Name: 思考金錢問題最有力的方法 | 寶拉-潘特 (The most powerful way to think about money | Paula Pant)
Uploaded: 2022-11-16T18:25:43.000Z
Duration: 6 min 44 s

- Every choice that you make comes with a trade-off.

- 你所做的每一個選擇都是有代價的。

Money is an invitation to critical thinking.

You can afford anything, but not everything.

你可以買得起任何東西，但不是所有東西。

無論是旅行、食物，還是房子。

You just can't have an endless series of ands.

你就是不能有一連串無休止的 "和"。

You might not be able to have that thing and something else

你可能無法擁有那個東西和其他東西

And that doesn't just apply to your money.

這適用於你的時間，你的重點。

your energy, your attention - any limited resource.

你的精力，你的注意力--任何有限的資源。

And life is the ultimate limited resource.

So when you practice being better at managing your money,

是以，當你練習更好地管理你的錢。

you practice being better at managing your life.

I am the host of the "Afford Anything Podcast."

我是 "負擔得起的任何東西播客 "的主持人。

I want to help you reach financial independence

by making smarter decisions with your money.

通過對你的錢做出更明智的決定。

The mistake that I see a lot of people make

is that oftentimes people will ask a question

是，很多時候人們會問一個問題

"我是否應該使用這個應用程序。

First-principles thinking is stripping away everything

and really getting to the root of something.

the tactics and the products are like the leaves of a tree.

戰術和產品就像一棵樹的葉子。

so, of course, it's what people might ask about first.

所以，當然，這也是人們可能首先問到的。

But first, let's start with the roots of that tree.

但首先，讓我們從這棵樹的根部開始。

And then from those roots stem that trunk of the tree,

From there, you go out into the branches of the tree,

Now that you know your philosophy of living,

you know your goals, now you can come up with strategies

你知道你的目標，現在你可以想出策略了

And then once you have that strategy in place,

然後，一旦你有了這個戰略，就可以了。

then those leaves are the tactics and the products.

那麼這些葉子就是戰術和產品。

about tactic or product, you've got a leaf in your hand,

關於戰術或產品，你的手中有一片葉子。

but you don't have that root system built yet.

so that you can have more money when you're 75 years old,

以便你在75歲時能有更多的錢。

it's really hard to get excited about that.

But when we reframe that as financial independence

但當我們將其重新規劃為財務獨立時

FI is the point at which your potential passive income -

FI是指你的潛在被動收入------的點。

money that comes to you when you're sleeping,

當你睡覺的時候，錢就會來找你。

is because then endless options open up for you.

因為這樣一來，無盡的選擇就為你打開了。

You have the freedom to do whatever you want -

你有做任何你想做的事的自由 --

whether that's to stay in your current profession,

無論那是為了留在你目前的職業。

make a midlife career change, become a full-time parent,

做出中年職業改變，成為全職父母。

or travel the world. Whatever choice you want to make,

或環遊世界。無論你想做什麼選擇。

you're able to make that without having to sweat

你能夠做到這一點，而不需要出汗。

about how you're gonna keep the lights on,

how you're gonna keep the fridge stocked.

but the first steps that you are going to take will differ

但你要採取的第一個步驟會有所不同。

depending on where you are in your journey.

增長的差距，投資的差距，重複。

between what you earn and what you spend.

And there are only two ways to increase that gap:

而增加這一差距只有兩種方法。

賺得更多或花得更少，或兩者兼而有之。

like me when I was in my first job out of college

就像我在大學畢業後的第一份工作中一樣

at that stage of life, your goal is to increase your income.

在人生的這個階段，你的目標是增加你的收入。

the low-hanging fruit is to curb that spending problem

and to address the root psychological issues

that are leading to that spending problem.

My personal feeling is that everyone should aim

我個人的感覺是，每個人都應該以

to save and invest at least 20% of their income.

儲蓄和投資至少佔其收入的20%。

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思考金錢問題最有力的方法 | 寶拉-潘特 (The most powerful way to think about money | Paula Pant)

depression

pandemic

strategy

practice