Name: 富人創造世代財富的5種方法 (5 Ways Rich People Create GENERATIONAL WEALTH)
Uploaded: 2022-12-26T18:11:03.000Z
Duration: 9 min 21 s

程度副詞

Baby boomers are undoubtedly the wealthiest generation of the last 100 years.

嬰兒潮一代無疑是過去100年中最富有的一代。

After the deadliest war in human history, the next generation decided to stop fighting

在人類歷史上最致命的戰爭之後，下一代人決定停止戰鬥

The generation that built the infrastructure upon which we are building everything became

建立基礎設施的那一代人，我們在此基礎上建立的一切都變得

This generation amassed significant financial wealth and controls roughly 70% of all disposable

這一代人積累了大量的金融財富，控制了大約70%的可支配收入。

And now, they are expected to transfer their 30 trillion dollars worth of wealth to the

而現在，他們預計將把他們價值30萬億美元的財富轉移到

It might seem like they will just blindly pass their fortunes to their kids, but that's

看起來他們會盲目地將財富傳給他們的孩子，但那是

Ideally, they would, but the reality is that a staggering 70 percent of wealthy families

理想情況下，他們會這樣做，但現實情況是，有70%的富人家庭都是這樣的，令人震驚。

lose their wealth by the second generation, and the third generation often ends up with

到了第二代就會失去財富，而第三代往往會以失敗告終

Over 90 percent of wealth gets lost by the third generation.

90%以上的財富到第三代就會流失。

John Rockefeller was the wealthiest American ever lived who amassed a fortune of 400 billion

約翰-洛克菲勒是美國有史以來最富有的人，他積累了4000億的財富。

dollars as of 2017 when his company standard oil was broken down into multiple small companies

截至2017年，他的公司標準油被分解成多個小公司時的美元

that ended up worth much more individually.

But as of 2020, Forbes estimated the Rockefeller family's wealth at just 8.4 billion dollars

但截至2020年，福布斯估計洛克菲勒家族的財富只有84億美元

which is just 2.1% of the original 400 billion dollars.

這僅僅是原來4000億美元的2.1%。

If you are wondering where did that wealth go?

如果你想知道這些財富去了哪裡？

Well, the source of that wealth is the family's stake in oil and gas companies such as Chevron,

那麼，這些財富的來源是該家族在雪佛龍等石油和天然氣公司的股份。

A 100 years ago, refining oil was as revolutionary as building smartphones today.

100年前，提煉石油就像今天製造智能手機一樣具有革命性。

However, fast forward to the 21st century, oil is viewed as a commodity that's slowly

然而，快進到21世紀，石油被視為一種商品，正在慢慢地

So, governments across the world are setting deadlines on when they will forever ban gasoline

是以，全世界的政府都在為他們何時永遠禁止汽油設定最後期限。

cars which made these companies less valuable and drastically lowered the wealth of their

汽車，使這些公司的價值降低，並大大降低了他們的財富。

This brings us to rule number: Never let your wealth sleep.

這給我們帶來了規則編號。永遠不要讓你的財富沉睡。

Today we have little gadgets that we call smartphones.

今天，我們有一些小玩意，我們稱之為智能手機。

If you make the wrong bet, your entire wealth will go down the drain.

如果你下錯賭注，你的全部財富將付諸東流。

I mean, just take an example of Nokia shareholders.

我的意思是，僅以諾基亞股東為例。

Once upon a time, every other phone in people's hands was Nokia, but one mistake brought the

曾幾何時，人們手中的其他手機都是諾基亞的，但一個錯誤就把

The company today is worth less than 10 percent of its peak.

該公司今天的價值還不到其峰值的10%。

That's how you lose 90 percent of your wealth in less than two decades.

這就是你如何在不到20年的時間裡失去90%的財富。

Rothschilds once created the largest financial system in the world, moving fortunes from

羅斯柴爾德家族曾經創造了世界上最大的金融體系，將財富從

one continent to another, helping kings and queens across Europe and beyond to manage

從一個大陸到另一個大陸，幫助歐洲和其他地區的國王和王后管理

their fortunes and raise money for future conquests.

他們的財富和為未來的征服籌集資金。

But as a result of geopolitical changes in the world and an emergence of new rivals,

但由於世界地緣政治的變化和新對手的出現。

the family's net worth today is a tiny fraction of the enormous wealth they have been known

今天，該家族的淨資產只是他們已知的巨大財富的一小部分。

And in 10 years from now, the technologies that will run the world will be different.

而在10年後，管理世界的技術將是不同的。

If you want to build generational wealth, then you should always keep an eye on how

如果你想建立世代相傳的財富，那麼你應該始終關注如何

the world is changing and invest in companies that are driving that change.

世界正在發生變化，投資於正在推動這種變化的公司。

It might be difficult to build a fortune, but it's far more difficult to keep that wealth

積累財富可能很困難，但要保持這種財富就更難了。

Especially if you are used to a certain quality of life.

特別是如果你已經習慣了某種生活品質。

In fact, that's one of the main reasons why most people end up broke since their standard

事實上，這也是大多數人最終破產的主要原因之一，因為他們的標準

of life grows together with their income, but your income isn't guaranteed.

的生活與他們的收入一起增長，但你的收入並沒有保證。

There are millions of things that could happen and cut you from your income.

有數以百萬計的事情可能發生，並切斷你的收入。

That's why it is always important to live below your means.

這就是為什麼總是在你的能力範圍內生活是很重要的。

Ideally, never spend more than 50 percent of your income and if you have inherited that

理想情況下，永遠不要花費超過你收入的50%，如果你繼承了這個

wealth, then the vast majority of it should be reinvested back and the principle should

財富，那麼絕大部分應該被重新投資回來，而原則應該是

Let's say you have inherited a million dollars, that million should be invested, and whatever

假設你繼承了一百萬美元，那一百萬美元應該被投資，而不管是什麼

income that million earns by the end of the year can only be touched.

萬人在年底前獲得的收入只能被觸及。

Ideally, half of it should be reinvested back to let the principle grow faster than inflation.

理想情況下，其中一半應該重新投資，讓原則性的增長速度超過通貨膨脹。

With the rise of tech companies, investors began to care less about cash flow and more

隨著科技公司的崛起，投資者開始不太關心現金流，而更關心

People don't care about how much Tesla will make at the end of the year but how high the

人們並不關心特斯拉在年底會賺多少錢，而是關心特斯拉的價格有多高。

Earning on the rise of the stock is also great, but when it comes to generational wealth,

在股票上漲中賺錢也很好，但當涉及到代際財富時。

you want to create stable sources of cash because, at the end of the day, you want cash

你想創造穩定的現金來源，因為在一天結束時，你想要現金

to keep coming in to finance your lavish lifestyle.

以資助你奢侈的生活方式，並不斷湧入。

If your wealth is only on paper, then you are rich only on paper.

如果你的財富只是在紙上，那麼你的財富也只是在紙上。

People might respect you for that, but there is little use to that wealth.

人們可能會是以尊重你，但這種財富沒有什麼用處。

That's why tech entrepreneurs often start massively selling their shares after building

這就是為什麼科技企業家們在建立了自己的股份之後，往往開始大規模地拋售自己的股份。

Bill gates, before the dot com bubble, got rid of most of his Microsoft shares and diversified

比爾-蓋茨在互聯網保麗龍之前，擺脫了他的大部分微軟股票，並進行了多元化投資。

his investments into other stable businesses such as Berkshire Hathaway.

他的投資進入其他穩定的企業，如伯克希爾-哈撒韋。

Microsoft makes only around 1 percent of his entire portfolio.

微軟只佔他整個投資組合的1%左右。

Jeff Bezos has been selling billions of dollars worth of his amazon shares to buy properties

傑夫-貝索斯一直在出售其價值數十億美元的亞馬遜股票以購買房產

在全國範圍內，並在其他地方投資。

Uber's founder long ago left the company and sold his entire stake since uber is still

Uber的創始人早就離開了公司，並出售了他的全部股份，因為uber仍然是

What you want are businesses that put cash on the table at the end of the day.

你想要的是在一天結束時將現金放在桌上的企業。

They shouldn't necessarily be huge companies.

它甚至可以是當地的一家雜貨店。

Rental properties are a great source of cash.

出租房產是一個很好的現金來源。

In fact, it's one of the best ways to create generational wealth.

事實上，這是創造代際財富的最佳方式之一。

Especially in the last 2 years, the industry wasn't just cash flow positive, but prices

特別是在過去的兩年裡，該行業不僅僅是現金流積極，而且價格

appreciated by over 20 percent, which is quite unusual for the industry.

升值超過20%，這在行業中是很不尋常的。

最重要的是，這個行業是穩定的。

Even if you have purchased a property at the height of the housing bubble in 2007, in less

即使你在2007年房地產保麗龍的高峰期購買了房產，在較短的時間內

than 6 years, your property would have earned back its entire value by 2013.

超過6年，你的財產將在2013年之前賺回其全部價值。

Trust is basically a separate entity to which you can transfer your assets and then point

信託基本上是一個獨立的實體，你可以將你的資產轉移到這個實體，然後再指向

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富人創造世代財富的5種方法 (5 Ways Rich People Create GENERATIONAL WEALTH)

entire

discipline

appreciate

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