And one of the most life-changing skills I have learned through it all is how to handle my own finances, recognize my bad money habits, and break free from them.

我從這一切中學到最能改變生活的技能之一就是學會處理自己的財務、辨識自己糟糕的用錢習慣並改掉它們。

So, in this video, I'm going to share with you nine of the most common bad money habits that hold people back and tips on how to break out of them.

在這支影片中，我將跟大家分享九種最常見阻礙人們賺錢的壞習慣，以及如何戒掉這些壞習慣的技巧。

Number one, paying yourself last.

第一，先付錢給自己。

I first heard of this in the book "Rich Dad Poor Dad" by Robert Kiyosaki, and it's one of the blueprints in achieving financial freedom.

我第一次聽說這個方法是在羅伯特清崎的《富爸爸，窮爸爸》一書中，這個方法是實現財務自由的藍圖之一。

Robert explains that the way people pay their bills can be broken down into two types.

羅伯特解釋說，人們支付帳單的方式可以分為兩種類型。

The first way is the poor people's habit, and that is through paying yourself last.

第一種方式是窮人的習慣，那就是最後才付錢給自己。

So, as soon as your paycheck comes in, you then pay your rent, your phone bill, your subscriptions, you find your social plans,

一旦收到薪水，錢就拿去支付房租、電話費、訂閱費，社交用途，

and then you'll save whatever's left over⏤if there is even any money left to save.

然後最後還有錢可以存的話，才把會把剩下的存起來。

The second method he talks about is the rich people's habit, and they do the complete opposite.

他說的第二種方法是有錢人的習慣，而他們做的跟窮人的恰恰相反。

They pay themselves first, and that is what you want to do.

他們先付錢給自己，這也是大家應該要做的。

Take 10%, minimum, and put that into your savings account the minute you get paid⏤treat it like paying a bill.

在你拿到薪水的那一刻，最少把 10% 的錢存入儲蓄帳戶。

This is so important and, by doing this, you're guaranteeing that that money will be saved and won't just slip through your fingers through spending.

這非常重要，而且這樣做可以保證這筆錢會被節省下來，而不會因為花掉，錢就從指縫中溜走。

A lot of people are probably thinking, "There is no way I can do this; I live paycheck to paycheck."

很多人可能認為自己無法做到，因為我是月光族。

But the surprising thing is when you take that 10% and put it away,

但令人驚訝的是，當你拿走那 10% 的薪水並把它收起來時，

your mind will think of ways and structure your spending and structure your finances to last for the whole month.

你的頭腦就會想出方法和組織你的支出及財務狀況，讓你撐過一整個月。

And you won't even realize that you're saving in the background.

你甚至不會意識到你默默的在存錢。

People don't realize how much they're spending on paying the bills, buying something new, going on that weekend away, and then they save whatever is left.

人們不會意識到自己帳單、購物、週末度假花多少錢，然後只存剩下的。

But that's the backwards mentality.

但那是倒退心態。

The key is to pay yourself first instead of making other people richer by buying their things before you pay yourself.

重點是，先付錢給自己，而不是先買東西，讓別人變得更富有，最後才給自己留下錢。

The second bad money habit is getting comfortable with bad debt.

第二個糟糕的用錢習慣是對於負債感到很自在。

It seems that debt these days is actually the norm.

感覺現在擁有債務變成是一種常態。

People are using debt to buy the smallest of things⏤to buy presents, to buy clothes.

大家連最小的花費也會將它變成債務，像是買禮物，買衣服。

I have a straight rule, that is, unless I can afford to pay for that thing outright in cash, I shouldn't be buying it with any form of debt.

我有個很直接的原則，就是除非我有能力用現金直接支付那東西，否則我不應該以任何形式的債務購買它。

Remember, credit card companies want you to be bad with your finances because that's how they make money from this.

請記住，信用卡公司希望你的財務狀況不佳，因為這就是他們從中賺錢的方式。

The average credit card interest rate is 22%, which cancels all kinds of benefits and rewards these credit card companies are providing if you're not able to pay them off in time.

信用卡的平均利率為 22%，如果你無法及時還款，這些信用卡公司提供的各種福利和獎勵就會被取消。最好還是管理好自己的債務並儘快還清高額的利息。

... is not having a stockpile.

第三，沒有備用基金。

This ties into point number one, which is about paying yourself first.

這跟第一點有關，就是先付錢給自己。

And, essentially, it's saving enough so that you have a buffer behind you, of about three to six months.

從本質上講，這個方法節省了足夠的錢，就能讓你可以有大約三到六個月的備用基金動用。

This is super important, and it will give you peace of mind just by having this buffer kept to one side and available to tap into if you need it.

這很重要，因為保留一些錢讓你可以在需要時使用，這會讓你高枕無憂。

You free up that mental energy to designate to more important things.

你能有多餘的精力去做更重要的事情。

So, how do you gather this six months of buffer? It's through that paying yourself first.

為了收集這六個月的備用基金你必須先學會先付錢給自己。

Start putting that 10% away, and once you have your stockpile,

現在開始把那 10% 薪水存起來，一旦你有了儲蓄，

then you can start using the additional money you save to building into your investment fund and looking at investments.

你就可以開始使用你節省的額外資金來建立你的投資計畫並尋找投資標的。

Number four is not knowing your income or expenses properly.

第四，沒有真正地了解你的收入或支出。

Until you know what your starting point is, how do you know where you want to be?

除非你知道你的起點在哪，否則你怎麼知道你會想達到什麼目標呢？

There's something called "lifestyle inflation", and that is, your spending will rise as your income rises.

有一種叫做生活模式通膨的東西，那就是你的支出會隨著你收入的增加而增加。

The more money you make, the more you spend, and it's a cycle.

賺的錢越多，花的錢就越多，這是一個循環。

Make more money, buy a bigger house, buy a nice car, spend more, make more.

賺更多的錢，買更大的房子，買好出，買更多的東西，賺更多。

And it's crazy how normal this is, but it is a recipe for disaster.

這很瘋狂的普遍，但保證會有災難。

You want to be in control of your finances and mapping out where things are going.

你需要掌控自己財務，並規劃資金流向。

A budget tracker is super important, and you want it to include how much you're making, how much you pay yourself first⏤that 10% we spoke about,

預算紀錄非常重要，你得在裡面包括所賺收入、先給自己多少錢（我們先前提到的 10%）、

your expenses, so, your bills, your mortgage, your rent, your spending, your debt repayments, and so on.

你的開銷，也就是帳單、貸款、租金、花費、還貸，等等。

And you want to be keeping on top of that budget tracker⏤at least every three months, set a date night with that tracker.

你得持續控管預算紀錄，至少每三個月都花時間看看那個紀錄。

People who know exactly where they are financially⏤

明確知道自己的財務狀況的人，

they know their assets, they know their liabilities, they have a clear goal on where they want to go financially, and all they... all the steps they need to take to get there⏤

知道自己的資產、了解自己的負債、他們對自己的財務有明確的目標，他們為實現目標而採取的所有步驟，

are more likely to get a lot of money and build wealth compared to people who just fantasize about money but have no idea how to go about it, how they plan to acquire it, or how to manage it.

比起那些只會幻想，但不知道如何著手，不知道如何計畫去獲得或是管理錢財的人，他們更有可能獲得大量金錢並積累財富。

Just being mindful of their stuff and seeing those numbers in black and white will trigger you into action.

注意自己擁有的東西並看到那些黑白分明的數字就會觸發你採取行動。

Fifth bad money habit is having expensive hobbies.

第五個糟糕的用錢習慣是有昂貴的愛好。

A lot of people like to shop and I guess, yeah, part of this is retail therapy,

很多人喜歡購物，我覺得這部分原因是因為零售療法，

but, again, marketing, social media, and these multi-billion-pound organizations love to tell us how much we need to spend our money and spend our cash instead of keeping and investing it.

但同樣，行銷、社群以及國際公司很喜歡告訴我們應該如何花費而不是留下並存起。

Next up, we have focusing purely on saving.

接下來是只關注儲蓄。

If you want to improve your financial position,

如果你想改善你的財務狀況，

you can, firstly, save more of your existing income or you can make more money and create more income streams.

你可以存更多你現有的收入，或者你可以賺更多的錢，創造更多的收入來源。

And the ideal combination is a mixture of both.

而理想的組合是兩者兼而有之。

You can't build wealth if you're making more money and spending it all,

如果你賺了更多的錢並花光了所有的錢，你就無法積累財富，

but you also can't if you're just focusing on the saving side because there is a cap to how much you can save.

但如果你只專注於儲蓄，你也不能積累財富，因為儲蓄是有上限的。

Using those cashback sites will only get you so far.

利用那些現金回饋的網站不會讓情況變好。

So, to truly build wealth, you have to think of both sides of the equation,

因此，要真正積累財富，你必須思考問題的兩面，

both how you will save a larger percentage of your income but also how you will make more money.

同時考慮要如何將收入的更大比例存起來，以及如何賺更多的錢。

Saving money side has a cap, the making money side does not, it's infinite.

存錢有上限，但賺錢沒有，它是無限的。

There is unlimited potential upside, whether it's investing in the stock market, asking for a pay rise, starting a side hustle,

賺錢有無限的潛在增加空間，無論是投資股市、要求加薪、開始副業。

you want to break the bad money habit of thinking that saving money is going to massively increase your wealth.

你應該打破認為存錢會大大增加你的財富的糟糕用錢習慣。

Number seven, paying too much in taxes.

第七，繳納過多的稅款。

Taxes are going to be the single biggest expense in your life.

稅金會是你生活中最大的一筆支出。

Whilst everyone has to pay tax, a lot of people just pay it without considering how you can legally reduce your bill.

雖然每個人都必須繳稅，但很多人只是光繳稅而沒有考慮如何合法地減少稅金。

"Legally" is the key word here.

這裡的關鍵詞是「合法地」。

The wealthy, they have knowledge of legal corporate structures that come with tax advantages⏤they hire tax advisors that help them minimize their tax bills.

富人了解具有稅收優勢的合法公司，他們聘請稅務顧問幫助他們減少稅金。

So, if you want to get one step ahead, one of the best ways to increase your wealth is through understanding tax rules in a way that's stack up in your favor.

如果你想領先一步，增加財富的最佳方式之一就是以對你有利的方式理解稅收規則。

For example, investing through an ISA or a Roth IRA, which is an investment account that shelters your dividend and profit from taxes,

例如，通過 ISA 或 Roth IRA 進行投資，這是一種投資帳戶，可以保你的股息和稅收利潤，

or operating under a business instead of an individual if you're a solopreneur.

或者，如果你是獨立創業家，利用法人而不是自然人的名義進行。

All of this stuff is absolutely legal, and if you are someone who disagrees with this and prefers to pay more taxes regardless of whether or not you can reduce it legally,

但是這些行為都是絕對合法的，如果你不同意這一觀點寧願繳納更多的稅，不管你是否可以合法地減少它，

then it doesn't hurt to understand the tax rules and reduce that tax bill so that you can, instead, use the money to give back to things that directly align with your values,

那麼了解稅收規則並減少稅金並沒有什麼壞處，這樣你就可以用這筆錢回饋與你的價值觀直接一致的東西，

instead of letting someone else decide where that money should be going.

而不是讓別人決定這筆錢應該怎麼使用。

If you want me to make a video on tax, I was planning to; I already have a summary on what I want to include but I have been a bit skeptical about whether to release it.

如果你想要我製作一個關於稅收的影片，我正計劃要做了，我已經整理好想講的內容了，只是我一直很猶豫是否要發布該影片。

It's a topic that can go either way, so let me know in the comments below if you want to see that.

因為這是一個可以得到正面或是負面回饋的主題，所以如果你想看的話，請留言告訴我。

Number eight, waiting too long to invest.

第八，等太久才投資。

When you start having savings, you have that stockpile, that buffer that we spoke about,

當你開始有儲蓄時，你就有了我們談到的備用基金，

then you want to start looking at investing that money so that your money starts working for you and you want to diversify those investments so you can weather different situations that come around in life.

然後你應該開始考慮投資這筆錢，這樣你的錢就開始為你賺錢，並且要分散這些投資，這樣才可以應對生活中出現的不同情況。

But you want to avoid leaving that money in a bank account because inflation is a thing, and it means that you're essentially losing money every year.

但要避免把錢存銀行裡，因為通貨膨脹是真實發生的情況，這意表示你基本上每年都在虧錢。

So I have a mixture of safe investments, of riskier investments that I'm willing to lose as well.

所以我同時進行低風險跟損失也沒關係的高風險投資。

Start looking at different investment strategies once you've saved up enough.

一旦存夠了錢，就要開始考慮不同的投資策略。

Don't leave any additional money⏤more than you need to⏤in a bank account.

不要在銀行中存下任何超出你需要的額外資金。

I have another video on what you can be doing with your money in times like the current recession, and I'll link that here for you as well.

我有另一個影片是在介紹在當前經濟衰退時期可以用怎麼用錢的內容，我會把連結放在這。

There's always going to be reasons why you can't invest, because you don't have time, you don't have enough money, you don't know where to start.

總是有一些原因導致你無法投資，因為沒有時間、沒有足夠的錢、不知道從哪裡開始。

But the longer you put off investing, the harder you will have to work to get that same level of financial freedom as someone who starts investing earlier.

但是你推遲投資的時間越長，你就越需要努力工作才能獲得與較早開始投資的人相同水平的財務自由。

It may just be finding the right person or the right tools that help you resonate with your finances in a way that most appeals to you,

這可能只是跟找到合適的人或合適的工具來幫助自己以最有興趣的方式與自身的財務產生共鳴有關，

whether that's through an employee perspective, an entrepreneur perspective, someone who is a⏤less of a risk taker, someone who is more of a risk taker,

無論是從員工還是從企業家的角度、從不太願意冒險的人還是比較願意冒險的人的看法，

but there will be someone who kind of matches your investing style more closely.

但一定會有人更符合你的投資風格。

Thank you so much for watching; if you like this video, you may also enjoy another one that I've linked here on building wealth and making money work for you.

非常感謝收看，如果你喜歡這部影片，可以查看看另一個關於積累財富和讓錢滾錢的影片，連結放在這裡。