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  • Back when i was a broke college student who received zero financial education from his

    當我還是一個窮困潦倒的大學生時,我從他那裡得到的財務教育為零。

  • parents, the only question that bothered my mind was - How on earth do these rich people

    父母,唯一困擾我的問題是--這些富人到底是如何

  • make billions of dollars.

    賺取數十億美元。

  • while the fed is raising the rates, the stock market is collapsing, the housing market is

    在美聯儲提高利率的同時,股票市場正在崩潰,住房市場正在崩潰。

  • about to implode, but this (Bernard Arnault) made 32 billion dollars.

    即將內爆,但這個(Bernard Arnault)賺了320億美元。

  • I mean, if i would make just 1/10th of that money, i would be the happiest person in the

    我的意思是,如果我能夠賺到這些錢的1/10,我將是最幸福的人。

  • world.

    世界。

  • even 1 percent of that money is 320 million dollars.

    即使是這些錢的百分之一也是3.2億美元。

  • thats the kind of money that can buy you literally anything you want, not only you but your kids,

    這筆錢可以買到你想要的任何東西,不僅是你,還有你的孩子。

  • your grand kids.

    你的孫子們。

  • thats it!

    這就是了!

  • congratulations!

    祝賀你!

  • you are forever rich!

    你是永遠的富翁!

  • no one in your next 3 or 4 generation at least be poor.

    你的下三代或四代中至少沒有人是窮人。

  • So do i make that kind of money?

    那麼,我是否能賺到這樣的錢?

  • I don't have rich parents.

    我的父母並不富裕。

  • in fact, despite that I absolutely love my parents, they taught me nothing about money,

    事實上,儘管我絕對愛我的父母,但他們沒有教我任何關於金錢的知識。

  • not because they didn't want to do that, but because they are financially illiterate,

    不是因為他們不想這樣做,而是因為他們是財盲。

  • because if they have been, they would have taught me something or gave me a small loan

    因為如果他們是,他們會教我一些東西或給我一個小貸款

  • of a million dollars and i wouldn't be a broke college student.

    如果有一百萬美元,我就不會成為一個破產的大學生。

  • What i didn't understand is that, most people on this Forbes list have made so much money

    我不明白的是,這個福布斯名單上的大多數人都賺了這麼多錢

  • from nothing.

    從無到有。

  • Some time in the past, when they young teenagers or adults, they might have been as broke as

    在過去的某個時候,當他們年輕的青少年或成年人時,他們可能會象現在這樣破產。

  • me.

    我。

  • so the question that i have been wondering is - if these people with no money in their

    是以,我一直想知道的問題是--如果這些沒有錢的人在其

  • pockets made so much money, why cant i make at least 1 percent of that money?

    口袋賺了那麼多錢,為什麼我不能至少賺到這些錢的1%?

  • before jumping into anything, i first have to figure out what i need to do.

    在進入任何事情之前,我首先要弄清楚我需要做什麼。

  • So, here are the rich people who don't share anything about their lives or business so

    是以,這裡是那些不分享任何關於他們的生活或業務的富人,所以

  • i am going to completely ignore them because its a waste of time but here the rich people

    我將完全不理會他們,因為這是浪費時間,但這裡的富人們

  • who took the time to share what made them so successful.

    他們花時間分享了使他們如此成功的原因。

  • one of them is Warren Buffett.

    其中之一是沃倫-巴菲特。

  • I am not a fan of being rich where i am so old that i cant enjoy that money, whats the

    我不喜歡在我這麼老的時候還能享受這些錢,那是什麼?

  • point of that money if i cant use while I am a young, handsome and strong.

    如果我不能在我年輕、英俊和強壯的時候使用這些錢,那就沒有意義了。

  • There is no point of making money if you are not going to use on yourself, your family,

    如果你不打算用在自己和家人身上,那麼賺錢就沒有意義。

  • or a cause you believe in, doesn't matter, helping poor people, saving the planet or

    或你相信的事業,無所謂,幫助窮人,拯救地球或

  • pay tuition for kids who cant afford it.

    為付不起學費的孩子支付學費。

  • But if i can make a few million dollars while i am young following his advice, the rest,

    但如果我能夠在年輕時按照他的建議賺到幾百萬美元,其他的就不用說了。

  • i will figure it out.

    我會想辦法的。

  • so i bought a bunch of books about warren Buffett.

    所以我買了一堆關於沃倫-巴菲特的書。

  • I went online i started reading his letters, watching his interviews, speeches and whatever

    我上網開始讀他的信,看他的採訪,演講和其他東西。

  • i could find.

    我可以找到。

  • i was surprised that becoming rich is often not repeating stupid, dumb mistakes.

    我很驚訝,成為富人往往不是在重複愚蠢、笨拙的錯誤。

  • if you just avoid some fundamental mistakes in your life, you are going to be rich.

    如果你在生活中避免一些基本的錯誤,你就會變得富有。

  • its sounds so simple that it feels like a scam.

    這聽起來很簡單,感覺像是一個騙局。

  • I decided to give it a shot.

    我決定給它一個機會。

  • surprise surprise, i did not become a billionaire.

    驚喜吧,我沒有成為億萬富翁。

  • By avoiding these mistakes and focusing on my business, I actually built something that

    通過避免這些錯誤並專注於我的業務,我實際上建立了一些

  • made me financially free.

    使我在財務上獲得自由。

  • So it doesn't matter how you planning to get rich, it could be by building a business like

    是以,你打算如何致富並不重要,可以通過建立一個像

  • in my case or building a sold career, the advice is the same.

    在我的情況下,或建立一個銷售的職業生涯,建議是一樣的。

  • you should avoid these mistakes at all cost.

    你應該不惜一切代價避免這些錯誤。

  • Number 1.

    1號。

  • According to Warren Buffett, the single biggest mistake that most people make is isnot

    根據沃倫-巴菲特的說法,大多數人犯的最大錯誤是 "不

  • learning the habit of saving properly.”

    學習正確的儲蓄習慣。"

  • It sounds boring, and you have heard it a million times.

    這聽起來很無聊,而且你已經聽過無數次了。

  • but everything comes down to this.

    但一切都歸結於此。

  • it doesnt matter how much money you make, you going to stay poor unless you master this

    不管你賺多少錢,除非你掌握了這一點,否則你將一直是窮人。

  • habit.

    習慣。

  • i know people who make way more money than I do, and yet every time i talk to them, they

    我認識一些人,他們賺的錢比我多得多,但每次我和他們交談時,他們

  • complain they cant afford this or that.

    抱怨他們買不起這個或那個。

  • they are worried if they are going to get fired or the economy will fall into a recession.

    他們擔心自己是否會被解僱或經濟會陷入衰退。

  • The only question that i have, what on earth did you do with all of that money that you

    我唯一的問題是,你到底用那些錢做了什麼?

  • have made the last 5 years.

    在過去的5年裡,我們已經取得了很大的進步。

  • You could achieve easily saved up that money and no matter what happens you would have

    你可以很容易地攢下這筆錢,無論發生什麼,你都會有

  • been fine.

    一直很好。

  • But no, you satisfied your urges and bought expensive crap that today holds no value.

    但是沒有,你滿足了自己的衝動,買了今天毫無價值的昂貴垃圾。

  • Here is how people become rich, its very simple.

    這就是人們如何致富,非常簡單。

  • you patiently save enough money that makes enough money that pays for your basic bills,

    你耐心地存夠錢,賺夠錢,支付你的基本賬單。

  • you are financially free.

    你在財務上是自由的。

  • now you can afford to do whatever you want to make a lot more money.

    現在你有能力做你想做的事情,賺更多的錢。

  • you are not tied to anyone, you are not accountable to any boss, you are obligated to waste your

    你不被任何人束縛,你不對任何老闆負責,你有義務浪費你的時間。

  • time doing anything that doesnt satisfy you or make you even more money.

    浪費時間做任何不令你滿意或讓你賺更多錢的事情。

  • so from there you are going to make hundreds of millions if not billions of dollars.

    是以,從那裡你將會賺取數億甚至數十億美元。

  • but thats not going to happen, unless you master the habit of saving money.

    但這是不可能的,除非你掌握省錢的習慣。

  • the second mistake that most people make is trying to time the market.

    大多數人犯的第二個錯誤是試圖為市場計時。

  • With all of this brain power, experience, wisdom, you name it.

    有了這些腦力、經驗、智慧,你說什麼就是什麼。

  • He never tries to time the market and then you have these 20 year old kids who barely

    他從來沒有嘗試過為市場計時,然後你有這些20歲的孩子,他們幾乎沒有

  • saved up a few thousand dollars are trying to make millions of dollars by timing the

    攢了幾千美元的人正試圖通過把握時機賺取數百萬美元。

  • market and calling the people who actually made billions of dollars - fools.

    市場,並稱那些真正賺取數十億美元的人為--傻瓜。

  • When there is a market rally they are laughing because everything is growing and then out

    當市場出現反彈時,他們在笑,因為一切都在增長,然後就出來了。

  • of nowhere the market collapse and they lose everything, because they have bet everything

    市場突然崩潰,他們失去了一切,因為他們把一切都賭上了。

  • they saved.

    他們救了。

  • They avoided the first advice, save money, don't gamble that money, your job is to

    他們迴避了第一個建議,省錢,不要賭那筆錢,你的工作是

  • build capital and not play with it trying to time the market.

    建立資本,而不是玩弄它,試圖把握市場時機。

  • When I got into the stock market for the first time, I did this mistake multiple times.

    當我第一次進入股票市場時,我多次犯了這個錯誤。

  • Although I did make some money, but I have also lost a lot of money.

    雖然我確實賺了一些錢,但我也損失了很多錢。

  • I didn't even remember beak even.

    我甚至都不記得鳥嘴了。

  • So the question is, what kind of stocks you have to buy.

    所以問題是,你要買什麼樣的股票。

  • That takes us to the next point.

    這就把我們帶到了下一個問題。

  • If you aren't thinking about owning a stock for ten years, don't even think about

    "如果你不考慮在十年內擁有一隻股票,甚至不要考慮

  • owning it for ten minutes.”

    擁有它10分鐘。"

  • Nowadays people throw their life's savings on something just because everybody talks

    現在人們把一生的積蓄都用在一些事情上,只是因為每個人都在談論。

  • about it.

    關於它。

  • Just because it's trending, just because its cool.

    只是因為它正在流行,只是因為它很酷。

  • Yo Man!

    Yo Man!

  • You barely saved that money!

    你幾乎沒有省下那筆錢!

  • How could you possibly throw it into something you barely know anything about!?

    你怎麼可能把它扔到你幾乎不瞭解的東西里!?

  • Did you read its financial statements?

    你讀過它的財務報表嗎?

  • Did you analyse its income statement?

    你分析了它的收益表嗎?

  • Have you seen their latest cashflow?

    你看到他們最新的現金流了嗎?

  • Do you have any idea how the company plans to grow in the next 5 or 10 years?

    你是否知道公司計劃在未來5年或10年內如何發展?

  • You haven't done any of those things, but you still decided to bet your life's savings.

    你沒有做過這些事情,但你還是決定賭上你一生的積蓄。

  • ftx is a great example, its crypto of course.

    ftx是一個很好的例子,當然是它的加密貨幣。

  • But it had exposed us!

    但它已經暴露了我們的身份!

  • We are willing to throw our money blindly into something we have no idea about it and

    我們願意把錢盲目地投入到我們對它毫無瞭解的東西中,而且

  • then blame wall street for everything.

    然後把一切都歸咎於華爾街。

  • Where were your due diligence.

    你們的盡職調查到哪裡去了。

  • So, before you invest in anything.

    是以,在你投資任何東西之前。

  • Are you confident enough to hold that investment for 10 years?

    你有足夠的信心持有這項投資10年嗎?

  • be it a business, real estate, stock or crypto.

    無論是企業、房地產、股票還是加密貨幣。

  • Trust me the answer is going to be NO in 9 out of 10 cases.

    相信我,在10個案例中,有9個案例的答案是否定的。

  • You have no idea how much money you are going to save.

    你不知道你將會節省多少錢。

  • the next one is simple and yet people fall for it every single time - avoid debt at all

    下一個問題很簡單,但人們每次都會上當受騙--完全避免債務。

  • cost.

    費用。

  • Its true that debt can be pretty helpful in some cases, but a lot of people don't have

    在某些情況下,債務確實可以起到相當大的幫助作用,但很多人都沒有

  • the discipline to handle debt.

    處理債務的紀律。

  • Leverage gives you all these options, but the number of people who actually go broke

    槓桿給了你所有這些選擇,但真正破產的人的數量

  • because the reality didn't match with the their plans.

    因為現實與他們的計劃不相符。

  • But because they have leveraged their positions, that single trade or that single deal destroyed

    但由於他們利用了自己的頭寸,那筆單一的交易或那筆單一的交易破壞了

  • whatever was left off their wealth.

    無論他們的財富剩下多少。

  • If you're smart, you're going to make a lot of money without borrowing.”

    如果你很聰明,你會在不借錢的情況下賺很多錢。"

  • And I didn't even mentioned the credit card debts.

    而我甚至沒有提到信用卡的欠款。

  • If you are borrowing money at 18 or 20 percent.

    如果你是以18%或20%的價格借錢。

  • You are guaranteed to go broke.

    你保證會破產。

  • you are not going to make it.

    你是不會成功的。

  • So, if you have any kind of credit card debt, the first thing you should do is pay off that

    是以,如果你有任何種類的信用卡債務,你應該做的第一件事就是償還這些債務。

  • debt.

    債務。

  • And finally, Anything you invest in yourself, you get back tenfold.

    最後,你在自己身上投資的任何東西,你都會得到十倍的回報。

  • I hear this all the time.

    我經常聽到這種說法。

  • What stock should I buy?

    我應該買什麼股票?

  • What properties should I buy?

    我應該購買哪些房產?

  • Where should i invest my money?

    我應該在哪裡投資我的錢?

  • let me ask you a genuine question - when was the last time you invested in yourself?

    讓我問你一個真正的問題--你最後一次為自己投資是什麼時候?

  • i am not talking you buying one single book on financial education 3 years ago.

    我不是在說你三年前買了一本關於金融教育的書。

  • If we take out school and college, how much money you actually put into developing yourself?

    如果我們去掉學校和大學,你究竟投入了多少錢來發展自己?

  • Thats the problems with most people.

    這就是大多數人的問題所在。

  • They are ready to throw money into the stock market without having any clue of whatever

    他們準備把錢扔進股市,卻對什麼都不瞭解。

  • besides watching someone online telling them to do so and so, but they hesitate to go to

    除了在網上看到有人告訴他們要這樣做、那樣做,但他們猶豫不決,不知道該不該去

  • a webinar to improve their social skills or accounting class to learn to read financial

    在網絡研討會上提高他們的社交技能,或在會計課上學習如何閱讀財務數據。

  • statements.

    聲明。

  • You are a project!

    你是一個項目!

  • you are a project of your own.

    你是一個自己的項目。

  • What you make out of yourself at the end of the journey is what matters the most.

    在旅程結束時,你自己做出的東西才是最重要的。

  • So, don't ignore yourself.

    所以,不要忽視自己。

  • Start by investing in yourself, in your skills, in your comfort, in your peace of mind.

    從投資於自己開始,投資於你的技能,投資於你的舒適度,投資於你的心靈的平靜。

Back when i was a broke college student who received zero financial education from his

當我還是一個窮困潦倒的大學生時,我從他那裡得到的財務教育為零。

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A2 初級 中文

沃倫-巴菲特不要犯這5個投資錯誤 (Warren Buffett: DO NOT MAKE These 5 Investing Mistakes)

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    Summer 發佈於 2023 年 01 月 17 日
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