Name: 原來就是這些壞習慣讓你存不到錢還越來越窮！快來聽聽專業會計師怎麼說！ (ACCOUNTANT EXPLAINS: Middle Class Habits Keeping You in the Rat Race)
Uploaded: 2024-03-10T21:01:10.000Z
Duration: 8 min 28 s

動名詞

Having spent nine years of my life working in investment banking and three years studying accounting,

在投資銀行工作九年，三年學習會計的這段時間裡，

形容詞比較級

I have seen first-hand the middle-class habits that keep people in the rat race that keeps them tied to a job they don't like to sustain their lifestyle whilst their greater life goals and ambitions are placed in the background.

我親身見證了讓人陷入你爭我奪的中產習慣，使他們被綁在一份不喜歡的工作上，為了維持生活方式而忽略了更大的人生目標和抱負。

情態助動詞 A2

So in this video, I'll walk you through what these habits are and how you can avoid them.

在這部影片中，我將帶你瞭解這些習慣是什麼，以及如何避免它們。

Number one, working for less than you're worth.

第一，工作報酬低於自己的價值。

This is one of the biggest mistakes people make.

這是人們所犯的最大錯誤之一。

It's common practice for employers to pay their employees less than what they deserve.

僱主付給員工的工資低於他們應得的工資是很常見的做法。

And so they will pay their employees the least amount possible and just enough so they don't quit.

他們會支付給員工儘可能少的工資，只要剛好讓員工不會想離職就行。

How many people do you know whose employers haven't given them a raise at all or if they have, is something insulting? Like 3% or 4% which is less than the rate of inflation.

你認識多少人，他們的雇主根本沒有給他們加薪，或者即使加了，也是給 3% 或 4%，低於通貨膨脹率的這種污辱人的數字？

So essentially, despite you having another year of experience, you're getting paid less than you did the year before.

從本質上講，儘管你又有了一年的工作經驗，但你得到的報酬卻比前一年少。

And then when you leave the organization, they try to hire someone else. They realize they need to increase the salary in order to get anyone else to take the job.

當你離開公司後，他們再想僱人時，就會發現要想讓別人接受這份工作，就必須提高工資。

A middle-class habit is just accepting this the way it is because it's comfortable. You know you're getting paid X amount on X day no matter what.

中產階級的習慣就是接受這種方式，因為這樣很舒服，你知道，無論如何，你都能在 X 日拿到 X 錢。

But this habit will keep you in a cycle and finding a new job elsewhere could actually be the best decision you can make when it comes to getting out of the rat race.

但這種習慣會讓你陷入循環，而在其他地方找一份新工作，可能是你擺脫你爭我奪的最佳決定。

A more typical pay increase when you move between organizations is 10% to 20%, far higher than the 3% to 4% you would have got if you stayed in the company.

當你轉換到不同公司時，普遍的加薪幅度是 10% 到 20%，遠高於你留在公司時獲得的 3% 到 4%。

And if you're working hard and you're putting your soul into something and you feel like you're getting underpaid, it is okay to leave and go to a competitor.

如果你努力工作，全心投入某件事，但感覺自己的薪水太低，那麼離開並去競爭對手那裡也沒關係。

So network, learn about other industries, go find out what the market is paying for your role and have that conversation.

因此，網友嗎，去了解其他行業，了解市場為你的職位支付的費用，然後進行對話。

You may think that moving and starting from scratch is inconvenient.

你可能會覺得搬家和從頭開始很不方便。

But if you're getting paid 30% more, which you can then put into your investments to give you another source of income. It may well be worth it.

但是，如果你的工資增加了 30%，你就可以把這筆錢投入到投資中，為你提供另一個收入來源，這也許是值得的。

Number two, buying more than you can afford.

第二，購買超出自己能負擔的東西。

When people get their first full-time job, they get a promotion or a bonus, they tend to upgrade two things.

當人們找到第一份全職工作、獲得晉升或獎金時，他們往往會升級兩樣東西。

The first is their car because even if you don't have the money to buy a full, you can still afford the lease payments.

首先是他們的汽車，因為即使你沒有錢買一輛完整的汽車，你仍然可以負擔得起租賃費用。

And of course, this is structured in a way to make you buy a more expensive car than you can afford.

當然，這種結構的目的是讓你購買比你負擔得起的更昂貴的汽車。

And it's also the number one wealth killer.

It will keep you working to pay off the loan as long as you let it.

它就會讓你一直努力工作還清貸款。

What you want to do is either buy a car outright if you have the money for it or make sure your car finance payment is within the recommended guidelines.

你要做的是，要麽在有錢的情況下直接購買汽車，或者確保你的汽車融資付款在建議的指南範圍內。

The rule of thumb is to spend no more than 15% of your annual income towards your car.

經驗法則是，購買汽車的花費不超過年收入的 15%。

So if your annual income is 60,000, you should aim to spend no more than 9000 per year on a car.

如果你的年收入為 60,000 美元，那麼你應該以每年花費不超過 9,000 美元購買汽車為目標。

And that amount should include the car payment, insurance, maintenance and any other associated expenses.

這一金額應包括汽車付款、保險、維修和其他任何相關費用。

The second thing people will look to upgrade is their home because again, banks will lend you four or five times your salary to purchase your house.

人們想要升級的第二件事是他們的房子，因為同樣，銀行會借你的薪水四到五倍的錢來購買你的房子。

So even with a marginal increase in your salary, you can afford a lot more home, but you don't want to buy more home than you can afford.

因此，即使你的薪水略有增加，你也能負擔得起更多的房子，但你不想買超出你負擔能力的房子。

The rule of thumb here and the general guideline is that you don't want to be spending more than 28% of your income on your mortgage payments.

這裡的經驗法則和一般準則是，不要將超過 28% 的收入用於抵押貸款還款。

That's 28% of your gross income, income before tax.

If you want to learn more about the different ways, you should be managing your money and where you should be allocating it, I have a money MBA five-day email course.

如果你想更多地了解不同的方式，你應該管理你的錢，你應該在哪裡分配它，我有一個為期五天的金錢 MBA 電子郵件課程。

It's completely free and every day I email you with how you can make the most out of your money, and one of those emails goes over the recommended percentage of where your money should be going.

它是完全免費的，我每天都會向你發送電子郵件，告訴你如何充分利用你的資金，其中一封郵件會介紹你的金錢應該分配的建議百分比。

This will be linked in my description if you want to check out.

如果你想查看，連結在說明欄中。

Number three, relying on one source of income.

If we have learned anything from the last few years is that relying on one source of income is extremely risky.

如果說我們從過去幾年學到了什麼的話，那就是依賴單一收入來源是極度危險的。

The pandemic caused millions of people to lose their jobs.

And we're seeing the same happening again with more and more layoffs being announced.

我們看到同樣的情況再次發生，越來越多的人被裁員。

By having one source of income, you are one incident away from not having any income and cash flow.

只有一個收入來源，你離失去所有收入和現金流只有一步之遙。

And a middle-class habit is to just rely on one's source of income being their day job.

而中產階級的習慣通常是只依賴於自己的日常工作作為收入來源。

By doing this, you're putting your whole livelihood and financial responsibility in the hands of your employer and this is a super risky position to be in.

這樣做，你等於把你的全部生計和財務責任交給你的雇主，這是一個非常危險的處境。

So to break free from the rat race, you need to diversify your income streams;

因此，要擺脫激烈的競爭，你需要實現收入來源多元化；

get a second job, whether it's babysitting, being an Uber driver, starting an online business or investing in other cash-generating assets like the stock market or real estate.

找到第二份工作，無論是當保母、成為優步司機、創辦線上業務或投資股票市場或房地產等其他產生現金的資產。

Giving all your financial power to your employer is a slippery slope that you really want to avoid.

將你所有的財務權力交給你的雇主是你要避免的滑坡。

Next, we have ignoring the importance of saving for old age.

其次，忽略老年儲蓄的重要性。

Imagine if you were walking on the streets and you dropped $50 because you had a hole in your purse.

想像一下，如果你走在街上，由於錢包破了洞，掉了 50 美元。

And then the same thing happened the next day and the next day. You wouldn't let that keep happening.

第二天，同樣的事情又發生了，然後隔天又發生。你不會讓這樣的事情繼續發生。

You would either fix your purse or you would get a new one.

你要麼把錢包修好，要麼買個新的。

And the same thing applies when it comes to investing, yet very few of us act on it.

投資也是如此。然而，我們卻很少有人付諸行動。

Even though we are aware that by holding back on investing every day, we're essentially losing our own ability to let that money compound.

儘管我們意識到，透過每天抑制投資，我們基本上會失去讓這些錢複利的能力。

And a lot of that is because of the lack of tools and resources to help you get there, knowing what to invest in or knowing what's right for you.

這很大程度上是因為缺乏工具和資源來幫助你瞭解該投資什麼，或者瞭解什麼是適合你的。

And as Naval Ravikant states in his book, The Almanac, "You're not going to get rich renting out your time. You must own equity -- a piece of the business -- to gain your financial freedom."

正如納瓦·拉維坎特在他的《年鑑》一書中所說：「出租時間是不會致富的。你必須擁有股權——企業的一部分——才能獲得財務自由。」

If you don't know where to begin, then two that you can start with are index funds and a target date fund that builds a portfolio based on the retirement year you choose.

如果你不知道從哪裡開始，那麼你可以從指數基金和目標日期基金開始，後者根據你選擇的退休年份建立投資組合。

The sooner you put your money down for retirement, the better off you'll be.

你越早為退休存錢，你的生活就越好。

Next up, we have consumption versus production.

接下來，我們將討論消費與生產。

Money will come into your life and then not leave. This is a relationship that is often looked at in terms of income and expenses.

金錢會進入你的生活，然後就不會離開。 這種關係通常從收入和支出的角度來看。

And another way to express this is by looking at in terms of production and consumption.

表達這一點的另一種方式是從生產和消費的角度來看。

Money will come into your life because you have produced some sort of value, and for the majority of us, this value will come in the form of labor, a job.

金錢會進入你的生活，因為你創造了某種價值，而對我們大多數人來說，這種價值將以勞動、工作的形式出現。

Money will leave when you have consumed something; a new house, a car, Netflix subscription.

當你消費了一些東西，錢就會離開； 新房子、汽車、Netflix 訂閱。

In one way, we can look at the financial position of an individual by determining their relationship between consumption and production.

一方面，我們可以透過確定個人消費與生產之間的關係來了解個人的財務狀況。

And for a lot of people, that equation is negative.

對很多人來說，這個等式是負的。

In fact, the average American holds a debt balance of $96,000 and the average personal debt in the UK is over £33,000.

事實上，美國人的平均債務餘額為 9.6 萬美元，英國人的平均個人債務超過 3.3 萬英鎊。

The money is leaving quicker than it's coming in.

You want to recognize how this is impacting your financial position and both reduce the consumption part of the equation whilst putting as much money as you can into the production value,

你要意識到這是如何影響你的財務狀況的，並減少等式中的消耗部分，同時將盡可能多的錢投入生產價值中，

the sources where the money is coming into your life.

也就是金錢進入你生活的來源。

Next, we have ignoring financial literacy.

接下來，我們忽略了金融知識。

Financial mastery has a huge impact on our lives, whether we like to admit it or not.

無論我們願不願意承認，掌握財務都會對我們的生活產生巨大的影響。

We put so much importance on our well-being, our mental well being, our physical well being, but so little actually on our financial well-being when really, this plays an equally important role in our enjoyment in life.

我們如此重視自己的幸福、精神健康和身體健康，卻很少真正重視自己的財務健康。

It might just be excusable not to invest in our financial literacy in our early twenties.

在二十出頭的時候不投資我們的金融知識也許是可以理解的。

We're busy living life, dating, seeing new places, having expensive items.

我們忙於生活、約會、參觀新地方、購買昂貴的物品。

And because we don't have much money to begin with, the consequences of our lack of financial literacy are actually limited.

而且因為我們一開始就沒有多少錢，缺乏金融知識的後果其實是有限的。

However, if we carry that mindset through with us to our thirties and to our forties and don't bother developing our knowledge base of financial literacy,

然而，如果我們將這種心態一直延續到三、四十歲，並且不費心去發展我們的金融素養知識基礎，

it will become harder and harder to undo and this will echo through to the rest of our lives.

這個心態會變得越來越難抹滅，並將影響我們的餘生。

There are basic things you should understand; understanding tax rules, understanding what your income and expenses are, knowing how to get the most value out of your money.

你應該了解一些基本的事情； 了解稅​​務規則，了解你的收入和支出，並了解如何從你的資金中獲得最大價值。

And if you want to know more about any of these topics, then let me know and I'll make that for you.

如果你想了解更多關於這些主題的資訊，請告訴我，我會為你製作這類影片。

But just by ignoring this and not wanting to learn about it, you'll stay in a place where you keep working for money.

但是，如果忽視這一點，不想去了解它，你就會一直停留在為錢而工作的狀態。

Number seven, doing what everyone else is doing.

第七，做當今社會其他人都在做的事。

In today's society, we are really under pressure to spend and we have to do it to fit in.

我們確實面臨著消費壓力，為了適應這種壓力，我們必須這樣做。

This applies to everyone, whatever your income level is.

這適用於每一個人，無論你的收入如何。

I have worked with people who are making a lot of money way into the six figures, but they are still living paycheck to paycheck because they are spending to impress and to look rich and to show everyone how rich they are instead of actually being rich and building wealth.

我曾與一些人共事過，他們賺了很多錢，甚至達到了六位數，但他們仍然過著拮据的生活，因為他們花錢是為了給人留下深刻印象，是為了讓自己看起來很富有，是為了向所有人展示自己有多麼富有，而不是真正地富有和建立財富。

If you are spending on clothes and bags because you enjoy it and because it brings you happiness, then that's one thing.

如果你花錢買衣服和包包是因為你喜歡它，因為它能給你帶來快樂，那是一回事。

And I'm all for spending on things that brings you happiness and joy.

我支持把錢花在能給自己帶來幸福和快樂的東西上，

But spending on it to keep up with what everyone else around you is wearing and to post it on your social media to show everyone else what you're wearing rather than for your own happiness,

但花錢是為了跟上周圍人的穿著打扮，為了在社交媒體上向別人展示自己的穿著打扮，而不是為了自己的幸福，

And this is what keeps the middle-class in a never ending cycle.

而這正是讓中產階級陷入永無休止循環的原因。

It is a status-driven society, but you need to find why you're making money and working hard.

這是一個地位驅動的社會，但你需要找到自己賺錢和努力工作的原因。

What do you want to achieve and how do you want your life to look like?

你想實現什麼目標，你希望自己的生活是什麼樣子？

Whether it's to travel business class everywhere or to quit your job and never see your boss again, as long as it's in line with what your value is and it's not dictated by anyone else's.

不管是坐商務艙到處旅行，還是辭職後再也不見老闆，只要它符合你的價值，而不是由別人的價值決定。

That is what will get you out of the rat race.

只有這樣，你才能擺脫你爭我奪的境地。

The rat race isn't about working a 9 to 5 job.

你爭我奪的生活不是朝九晚五的工作。

It's about living life on such an edge where you are always chasing the next thing, whether it's a paycheck or a material possession in a way that your greater life goals and your ambitions are placed in the background in order to keep continuing this race.

"這是關於在生活中處於一種極端的狀態，你總是在追逐下一個事物，無論是薪水還是物質擁有，以一種方式讓你更大的人生目標和抱負被至於腦後，以便繼續這場競賽。

Hopefully, this video gave you some ideas or triggered some thoughts into habits that you do not want to go down.

希望這部影片能給你帶來一些啟發，或引發你對不想養成的習慣的思考。

If you enjoyed this video, you may also enjoy another video that I have on habits that made me six figures by 24 and I'll link that over here.

如果你喜歡這部影片，你可能也會喜歡我的另一部影片，講述了讓我在 24 歲之前賺到六位數的習慣，我會把連結放在這裡。