Here's four reasons why keeping a low profile can actually lead to higher rewards.

這裡有四個原因說明為什麼保持低調實際上會帶來更高的回報。

Number one, it frees you from the cycle of permanent dissatisfaction.

第一，它能讓你擺脫長期不滿的循環。

Think about your own life.

想想你自己的生活。

Every time you hit a milestone, whether it's getting a promotion, buying a nicer car, moving into a better neighborhood, a new set of standards suddenly surrounds you.

每當你達到一個里程碑，無論是升職、買一輛更好的車、搬進一個更好的社區，都會突然有一套新的標準圍繞著你。

It's like playing a never-ending game where the rules keep changing.

這就像在玩一個永無止境的遊戲，遊戲規則不斷變化。

You buy a great car and for a moment it feels amazing, but then you notice your friend's car is even better and that initial joy fades.

你買了一輛好車，一時間感覺棒極了，但隨後你發現你朋友的車更好，最初的喜悅就消失了。

This isn't just a feeling, it's backed by science.

這不僅僅是一種感覺，而是有科學依據的。

Researchers call it the hedonic treadmill and it's exactly what it sounds like.

研究人員稱其為 "享樂主義跑步機"（hedonic treadmill），聽起來確實如此。

Imagine you're on a treadmill at a gym.

想象一下，你正在健身房的跑步機上跑步。

No matter how fast you run, you stay in the same spot relative to the room.

無論你跑得多快，相對於房間來說，你都會停留在同一個位置。

The same thing happens with your happiness.

你的幸福感也是如此。

No matter how much more money you make or how many new things you buy, your overall happiness tends to stay the same.

無論你賺了多少錢，買了多少新東西，你的整體幸福感往往都不會變。

And there was a study that looked into how people's happiness actually change with their level of income.

有一項研究調查了人們的幸福感是如何隨著收入水平的變化而變化的。

And they found that once we have enough money to cover our basic needs like our food, shelter, healthcare, having more money doesn't make us a lot more happier.

他們發現，一旦我們有了足夠的錢來滿足我們的基本需求，比如食物、住所、醫療保健，擁有更多的錢並不會讓我們更快樂。

We quickly adapt to our new level of wealth and this adaptation means that what once felt like a big improvement soon becomes a new normal and we start wanting even more to regain that initial excitement.

我們很快就會適應新的財富水準，而這種適應意味著，曾經覺得是巨大進步的東西很快就變成了新常態，我們開始想要更多，以重拾最初的興奮。

Think about the last time you upgraded your iPhone.

想想你上次升級 iPhone 時的情景吧。

At first, it works really quickly, really thrilling to test out the new features, but how long does that excitement last?

起初，它的運行速度非常快，測試新功能的過程非常激動人心，但這種興奮能持續多久呢？

Soon enough, you're already thinking about the next upgrade and the cycle repeats with nearly everything that we buy.

沒過多久，你就會開始考慮下一次升級，幾乎我們購買的所有東西都會重複這樣的循環。

It's not just about phones.

這不僅僅是手機的問題。

It happens with cars, homes, clothes, and even social status.

汽車、住宅、服裝甚至社會地位都是如此。

And on top of that, social media only magnifies this pressure.

除此之外，社交媒體只會放大這種壓力。

And a report from Credit Karma revealed that 39% of Brits feel pressured by social media to spend more money to appear successful or happy.

Credit Karma 的一份報告顯示，39% 的英國人感到社交媒體的壓力，要求他們花更多的錢，以顯示自己的成功或快樂。

By choosing to instead look poor, you're simply stepping off of that relentless treadmill.

選擇 "窮則思變"，你只是從無情的 "跑步機 "上走了下來。

You're saying, I'm not buying into this, no pun intended.

你的意思是，我不相信這個，沒有雙關語的意思。

And the moment you do that, you'll find that the inner peace you get from making that decision and not feeling the need to compete with every single thing will bring you so much more happiness than staying on that treadmill ever will.

當你做出這個決定的那一刻，你就會發現，內心的平靜，以及不再覺得有必要與每件事情競爭，會給你帶來比在跑步機上更多的快樂。

Number two, we lose freedom of choice.

第二，我們失去了選擇的自由。

When I first started working in investment banking, I definitely fell into the whole keeping up with appearances.

當我剛開始在投資銀行工作時，我確實陷入了貌合神離的境地。

I wore designer clothes a lot, had the latest things, bought a nice car.

我經常穿名牌服裝，擁有最新的東西，買了一輛好車。

That was me.

這就是我。

And I spent so much of my income on things that made me look successful even though I knew my bank account showed the opposite.

我把很多收入都花在了那些能讓我看起來很成功的事情上，儘管我知道我的銀行賬戶顯示的情況恰恰相反。

But no one could see that side.

但沒人能看到這一面。

On the outside, I had it all.

從外表上看，我擁有一切。

But in the inside, I was stuck in a job I didn't enjoy on this treadmill that we spoke about, constantly chasing the next thing.

但在內心深處，我卻被困在一份我並不喜歡的工作中，在我們所說的跑步機上不斷追逐下一件事。

I was following the earn money, spend it, and then expect happiness and freedom to follow.

我遵循的是掙錢、花錢，然後期待隨之而來的幸福和自由。

Fast forward to two years ago, my spending on lingeries and wants went down to pretty much zero for six to nine months.

快進到兩年前，我在內衣和需求方面的支出在六到九個月內幾乎為零。

I was spending all of my money on education, skills, learning, putting it back into the business.

我把所有的錢都花在了教育、技能和學習上，把錢都投入到了生意中。

And I made a huge shift in my lifestyle for about two years, which led me to change my style of life forever.

在大約兩年的時間裡，我的生活方式發生了巨大轉變，這讓我徹底改變了自己的生活方式。

I focused on building a financial security that let me walk away from a six-figure bonus and leave a high-paying job because it didn't satisfy me.

我專注於建立財務安全，讓我能夠放棄六位數的獎金，離開高薪工作，因為它不能滿足我。

I decided to focus on something I love and genuinely have a passion for.

我決定專注於自己熱愛和真正有激情的事情。

And it gave me the freedom to travel whenever I wanted.

它給了我隨時旅行的自由。

I can genuinely tell you, having seen both sides, that that feeling of freedom, sense of empowerment, liberation, and being able to walk away from something that no longer serves you, completely beats the fulfillment that you get from a new item.

我可以真誠地告訴你，我已經看到了這兩面，那種自由感、授權感、解放感，以及能夠擺脫不再為你服務的東西的感覺，完全勝過你從一件新物品中獲得的成就感。

For those couple of years, I followed the earn money, invested towards freedom, and then spent on other things if I had any money left over.

在那幾年裡，我遵循著掙錢、投資、自由的原則，如果有剩餘的錢，就花在其他事情上。

When I talk about spending zero on my wants or my fund category, it's because everything was going towards education, investing, improving my skillset.

當我說到我的願望或我的基金類別支出為零時，那是因為一切都用於教育、投資和提高我的技能。

And that's where today's sponsor very nicely falls in.

這正是今天的贊助商的優勢所在。

And that is Skillshare, which is an amazing online platform for learning.

這就是 Skillshare，它是一個了不起的在線學習平臺。

They have all sorts of classes from entrepreneurship, graphic design, productivity, interior design, side hustle ideas, and the list goes on.

他們有各種各樣的課程，包括創業、平面設計、生產力、室內設計、副業創意等等，不勝枚舉。

And Skillshare played a huge part in my growth on YouTube because it was where I went to every time I was trying to learn something specific that I had no background in.

Skillshare 對我在 YouTube 上的成長起到了巨大的作用，因為每次我想學習一些沒有背景的特定知識時，我都會去找它。

YouTube is wildly different to banking.

YouTube 與銀行業務有著天壤之別。

And so I learned how to script through it, how to shoot, how to edit through it, and anything else I'm struggling with, someone will usually have a really good class on it.

是以，我通過它學會了如何編劇、如何拍攝、如何剪輯，還有其他任何我感到棘手的問題，通常都會有人給我上一堂非常好的課。

And I can learn from that without having to search through hundreds of Google searches and YouTube videos.

我可以從中學到東西，而不必通過數百次谷歌搜索和 YouTube 影片。

With slower work schedules during the summer period, we tend to have more time to explore our passions and hobbies.

夏季的工作安排較為輕鬆，我們往往有更多的時間去探索自己的激情和愛好。

And so right now I'm taking this time by Mimi Chow on how to draw, which has been a great way to get my creative juices flowing again.

是以，現在我正利用周咪咪教我畫畫的這段時間，這是讓我的創作靈感再次湧現的好方法。

If you are one of the first 500 people to click on the link in the video description, you get a totally free 30-day trial where you can binge watch as many classes as you want for free.

如果你是透過影片說明欄中連結的前 500 名用戶之一，您將獲得 30 天完全免費的試用期，您可以免費觀看任意數量的課程。

Thank you so much Skillshare for sponsoring this video.

非常感謝 Skillshare 贊助本影片。

The third reason why looking poor is important is because it takes you out of survival mode.

看起來窮之所以重要的第三個原因是，它能讓你擺脫生存模式。

Einstein famously wrote, a calm and modest life brings more happiness than the pursuit of success combined with constant restlessness.

愛因斯坦有句名言：平靜而謙虛的生活，比追求成功而不斷躁動不安的生活更能帶來幸福。

A study by the American Psychological Association revealed that 72% of Americans feel stressed about their money.

美國心理學協會的一項研究顯示，72% 的美國人在金錢方面感到壓力。

And a report by the Money and Pension Service in the UK found that 62% of adults feel anxious about their finances with 48% worrying about money at least once a week.

英國貨幣和養老金服務機構的一份報告發現，62% 的成年人對自己的財務狀況感到焦慮，48% 的人每週至少為錢擔心一次。

In today's world, a calm and modest life is pretty much essential for maintaining peace of mind and to reduce the level of anxiety when it comes to your finances.

在當今世界，平靜而適度的生活對於保持心態平和和減少財務方面的焦慮是必不可少的。

If you get a bonus or a pay rise and you get a new car that eats 40% of your take-home pay, you cannot afford to lose your job, take a break, or even consider other opportunities.

如果你拿到了獎金或加薪，買了一輛新車，吃掉了你實得工資的 40%，你就不能失業，不能休息，甚至不能考慮其他機會。

You're stuck in survival mode.

你陷入了生存模式。

Upgrading one thing often tends to lead to a domino effect of additional expenses as well.

升級一樣東西往往也會帶來額外開支的多米諾骨牌效應。

And Yahoo Finance listed car brands by their maintenance costs over the first 75,000 miles and they found that entry-level brands like Hyundai, Toyota, Honda are almost three times cheaper to maintain than luxury brands like BMW and Mercedes-Benz.

雅虎財經按汽車前 75,000 英里的保養費用列出了汽車品牌，他們發現現代、豐田、本田等入門級品牌的保養費用幾乎是寶馬和奔馳等豪華品牌的三倍。

When you upgrade, there is a domino effect on all the costs that you have to incur to maintain that item.

當您升級時，會對您維護該項目所需的所有成本產生多米諾骨牌效應。

So instead, the greater you can get the gap between your income and expenses, the more peace of mind you'll have.

是以，收入和支出之間的差距越大，你就越能安心。

The bigger that gap, the more freedom you have.

差距越大，你就越自由。

It gives you flexibility to take risks, try new things, or simply just take time off if you wanted to.

這讓你可以靈活地承擔風險、嘗試新事物，或者乾脆請假休息。

There is something called the Conquery Method popularized by Marie Kondo and it's all about only keeping the things that spark joy.

近藤麻理惠推廣了一種叫做 "征服法 "的方法，其核心就是隻保留能激發快樂的東西。

By doing this, you're not only clearing out your physical clutter, but also create space for greater mental clarity and emotional well-being.

這樣做，你不僅能清除身體上的雜物，還能為更清晰的頭腦和更健康的情緒創造空間。

You can apply this same philosophy to your finances.

您也可以將這一理念運用到您的財務工作中。

It's not just about saving money, but also about reducing the stress of maintaining this high status lifestyle that puts you in survival mode.

這不僅是為了省錢，也是為了減輕維持這種讓你處於生存狀態的高地位生活方式所帶來的壓力。

The thrill of a new purchase often fades leaving behind the anxiety of keeping up.

購買新東西的興奮感往往會消失，留下的是跟不上時代的焦慮。

The more things you have, the more you're in a cycle of living in survival mode.

你擁有的東西越多，你就越會陷入生存模式的循環。

Number four, the power of authentic living.

第四，真實生活的力量。

A really interesting study found that 25% of Americans admit that they have pursued a romantic relationship purely for the money aspect.

一項非常有趣的研究發現，25% 的美國人承認，他們曾經純粹為了金錢而追求一段浪漫的關係。

And over half of those people have misrepresented their financial situation to attract a partner.

其中一半以上的人為了吸引伴侶，曾虛報自己的財務狀況。

If you base your self-worth on external validations or material things or the amount of money you have, you risk attracting people who only value you for superficial traits.

如果你把自我價值建立在外部認可、物質或金錢數量上，你就有可能吸引那些只看重你表面特徵的人。

Authenticity is the cornerstone of lasting relationships and this idea extends beyond just romantic relationships.

真實是持久關係的基石，而這一理念不僅僅侷限於戀愛關係。

It applies to how we present ourselves in almost all aspects of our life.

它幾乎適用於我們如何在生活的各個方面展現自己。

As the saying goes, don't show off the outside of your house, show off the inside.

俗話說，不要炫耀房子的外表，要炫耀房子的內在。

The outside is what you display to strangers.

外表是你展示給陌生人的東西。

It's an attempt to gain their respect and admiration with outward appearances.

這是在試圖用外表來贏得他們的尊重和欽佩。

In contrast, the inside of your house represents your true self.

相比之下，房屋內部則代表著真實的自我。

That's what you share with family, with close friends.

這就是你與家人、好友分享的東西。

It's where your genuine values and characters shine through.

在這裡，你真正的價值觀和性格熠熠生輝。

And in the novel, Their Adolescent, the author wrote, if I had a hundred million, I would nevertheless walk around in old clothes because the knowledge of it, my consciousness of my wealth would suffice.

在小說《他們的青春期》中，作者寫道：如果我有一個億，我還是會穿著舊衣服走來走去，因為我對它的瞭解，我對財富的意識就足夠了。

This quote is what the essence of true wealth is.

這句話正是真正財富的精髓所在。

It's not about flaunting it, but about the inner confidence and the security that it brings.

這不是為了炫耀，而是為了內心的自信和由此帶來的安全感。

And many wealthy individuals understand this.

許多富人都明白這一點。

They often choose simplicity over showiness.

他們往往選擇簡單，而不是炫耀。

They don't make what they own their entire identity because they know that living authentically and valuing what's inside over an outward appearance is a really powerful way to build meaningful, resilient relationships.

他們不會把自己所擁有的東西作為自己的全部身份，因為他們知道，真實地生活，重視內在而不是外在，是建立有意義、有韌性的人際關係的一種非常有力的方式。

Those are four reasons why looking poor is important for internal happiness.

這就是為什麼 "看上去很窮 "對內心幸福很重要的四個原因。

If you like this video, you should definitely check out my video right here on four signs that you're doing well financially, even if it doesn't feel like it.

如果你喜歡這個影片，你一定要看看我的影片，這是你財務狀況良好的四個跡象，即使你感覺不到。

Thank you for watching.

感謝您的收看。

Don't forget to subscribe if you haven't already.

如果您還沒有訂閱，別忘了訂閱。

Otherwise, I'll see you there.

否則，我們到時見。