Um, if you're watching this and you have the goal for financial freedom This would be my honest advice now just in case you happen to be new to the channel Then hi, my name is ali and I used to be a doctor I had a day job working in the uk's national health service earning about 40 000 pounds 50 000 a year And after doing that for two years I decided to take a little bit of a break from medicine to focus full-time on my youtube channel and my business And i've actually been documenting the journey of starting off as a medical student through to junior doctor through to full-time entrepreneur through to author I've also written a book i've been documenting that on this youtube channel for the last seven years So you can literally see like track the progress from when I was a cute little medical student with a gap between his front teeth Uh making almost no money to now kind of having a team of like 20 people and running my own business And i'm now in a position where I would consider myself to be more or less financially free And so I feel like there's potentially some useful things that I can offer to someone who wants to be in that position Okay, so point number one is that we should really think about why do you want financial freedom?

如果您正在收看本節目，並且您的目標是實現財務自由，這將是我真誠的建議、我曾經是一名醫生，白天在英國國家醫療服務機構工作，年薪約 4 萬英鎊 5 萬英鎊，工作兩年後，我決定暫停從醫，全職專注於我的 youtube 頻道和事業。我還寫了一本書，在過去的七年裡，我一直在這個 youtube 頻道上記錄這些，所以你可以看到我從一個門牙間有縫隙的可愛小醫科學生，到現在擁有一個 20 人的團隊，經營著自己的事業，幾乎沒有賺到錢的過程、那麼，第一點就是，我們應該好好想想，你為什麼想要財務自由？

What does financial freedom get you that you do not already have because money is just a psychological and social construct Financial freedom is also a psychological and social construct.

因為金錢只是一種心理和社會建構 財務自由也是一種心理和社會建構。

What specifically?

具體是什麼？

Do you want that financial freedom will buy now in my case in the early stages of my journey when I had a day job There was something very specific.

你想獲得財務自由嗎？以我為例，在我人生旅途的早期階段，我有一份白天的工作。

I wanted I wanted the ability to go part-time The happiest doctors I knew were the ones who worked three days a week rather than six days a week And so I thought hey to maximize my chances of happiness and fulfillment Which is the thing I think we all want at the end of the day, you know I quite enjoy being a doctor but I can see myself not enjoying it if I had to do it full-time So I just wanted to have a way of making an extra few thousand dollars a month A few thousand pounds a month because that would buy my freedom to be able to work three days a week and not have to worry about like I really should take that extra shift because like Mortgage payments are a bit high today and cost of living crisis and all all of this sort of stuff to me Financial freedom meant buying my free time.

我想要兼職的能力，我認識的最快樂的醫生都是一週工作三天而不是六天的，所以我想，嘿嘿，讓我的快樂和成就感最大化，這是我認為我們最終都想要的東西、我很喜歡當醫生，但如果我必須全職工作，我可能會覺得不盡興，所以我只想有辦法每月多賺幾千美元 每月多賺幾千英鎊，因為這樣我就能獲得自由，每週工作三天，而不必擔心我是否真的應該多上幾天班，因為現在的房貸有點高，生活成本也很高，所有這些對我來說，財務自由意味著購買我的自由時間。

I felt like if I wasn't financially free then I would be almost by definition financially Chained to something and that something happened to be my day job This is the position that most of us are in we happen to be Financially chained to the thing that we do for work now for most of us that thing is one job For a single employer now, this is not necessarily a terrible thing There are plenty of people that I know who love their lives and are very happy and very fulfilled while also being proverbially Financially chained to a single employer various people in my team Are in many ways financially changed to me as an employer But various people in my team seem to really enjoy their jobs because the job comes with freedom And flexibility to an extent and they can work from anywhere and they do work that they think is meaningful Um, and it's just you know, good vibes.

我覺得，如果我不是財務自由的人，那麼從定義上講，我在財務上就會被某種東西所束縛，而這種東西恰好就是我的日常工作。 這就是我們大多數人的處境，我們恰好在財務上被我們的工作所束縛，現在對我們大多數人來說，我們的工作就是為一個僱主工作、我認識很多人，他們熱愛自己的生活，非常快樂，非常充實，同時在經濟上也被拴在一個單一的僱主身上，我團隊中的很多人在很多方面在經濟上都被我這個僱主改變了，但我團隊中的很多人似乎非常享受他們的工作，因為這份工作在某種程度上是自由和靈活的，他們可以在任何地方工作，他們做的工作是他們認為有

Similarly a lot of people I know who work at startups Uh, not the incredibly high growth really stressful kind but you know A small company a bit of a lifestyle business also really enjoy their jobs and have a lot of happiness and fulfillment Even though technically they are financially chained to an employer so the reason i'm saying all of this stuff is because When it comes to this desire for financial freedom, we really want to understand why What are we going for here?

同樣，我認識的很多在初創公司工作的人，呃，不是那種高增長、壓力巨大的公司，而是那種有點生活方式的小公司，他們也非常享受自己的工作，並擁有很多幸福感和成就感，儘管從技術上講，他們在經濟上與僱主是捆綁在一起的，所以我說這些話的原因是，當談到對財務自由的渴望時，我們真的想了解為什麼 我們要在這裡做什麼？

Is it that you want to be able to go part-time in your job?

您是否希望能夠兼職工作？

Is it that you want to be able to quit your job altogether?

您是否希望能夠完全辭職？

Is it that you want the lifestyle that you think rich people have?

你是否想要你認為富人擁有的生活方式？

Is it that you want a private jet?

你想要一架私人飛機嗎？

Is it that you want a yacht?

你想要一艘遊艇嗎？

Is it that you want a house with the mortgage paid off so that you don't have to worry about paying the mortgage?

您是否想要一套已還清貸款的房子，這樣您就不用擔心還貸問題了？

Is it that I don't know you want to be able to take your family on four holidays a year and ideally fly business Like whatever the thing is everyone has different motivations for financial freedom And so it's worth figuring out what those motivations are And the reason it's worth figuring out what those motivations are is because financial freedom runs the entire gamut Someone can be financially free with two thousand dollars a month if for example you live in pakistan Uh, which is where i'm from and you're making I don't know three or four k a month usd You're going to feel pretty financially free If you're living in new york city or in palo alto or in central london and you're making three to four k a month You're going to feel like you're somewhat on the poverty line.

我不知道你是否希望每年能帶家人去度假四次，最好還能出差，不管是什麼，每個人都有不同的財務自由動機，所以值得弄清楚這些動機是什麼，值得弄清楚這些動機是什麼的原因是，財務自由的範圍很廣，比如說，如果你住在巴基斯坦，每個月掙兩千美元就可以財務自由、如果你住在紐約、帕洛阿爾託或倫敦市中心，月薪三四千美元，你就會覺得自己財務自由了。

It just sort of depends right similarly if your Lifestyle costs if the sort of things that you would do if you had all the money in the world Don't cost a lot of money again You will feel financially free with a much lower amount of money If however the sorts of things you want to do if you had all the money in the world require Blowing large amounts of cash on yachts and dom perignon.

如果你擁有全世界所有的錢，你想做的事情卻需要在遊艇和唐培裡儂香檳上花費大筆現金，那麼你的生活方式是否需要花費大量的錢，這一點同樣取決於你的生活方式。

Is that an expensive drink dom perignon cristal?

那是昂貴的多姆-培裡儂-克里斯塔酒嗎？

I've heard of cristal whatever the like bossy whatever whatever these rappers buy if that is your idea of a good time You're going to need more money to feel feel financially free The thing to take away from this is that financial freedom is a feeling rather than a reality And we want to figure out What are the boxes that we would take that would give us that feeling and then once we have figured out those boxes?

你需要更多的錢才能感受到財務自由。從中可以看出，財務自由是一種感覺，而不是現實。

We can reverse engineer How much money do we need to feel financially free?

我們可以反向推算，我們需要多少錢才能感到財務自由？

It's not the only part of the equation There's also a good amount of inner work I know people who have tens of millions in the bank who don't feel financially free At that point clearly it's not about the money.

這並不是等式的唯一部分，還需要大量的內心修煉，我認識一些人，他們在銀行裡有幾千萬存款，但他們並不覺得財務自由。

It's about the inner work But when I was sitting across from this chap over dinner Let's call him john and he said his goal was to be financially free and I was like, okay And in my mind we're going through all of this Psychological stuff was going through my mind to be like, are you sure that's the goal?

但當我和一個人坐在一起吃飯時，我叫他約翰，他說他的目標是財務自由，我當時想，好吧，在我的腦海裡，我們正在經歷所有這些心理學的東西，我的腦海裡在想，你確定這就是目標嗎？

Like why is that the goal?

為什麼要這樣做？

Like what's the real motive?

比如真正的動機是什麼？

What are you hoping financial freedom will buy that you don't currently have etc, etc, etc But like it was pretty obvious in john's case that he had a job that he sort of enjoyed but didn't enjoy all the time He has kids and he would like ideally to be able to do what he wants To be able to spend more time with the kids to be able to go on holiday and not feel as if he's tied to A job that requires him to be at a particular location at a particular time every single day, which is fair enough And so I asked john the next question which is And this is the advice that I would give if someone's looking for financial freedom after you've figured out why you actually care about it What is the dollar amount that right now you think you need to feel financially free?

你希望財務自由能為你帶來什麼，而這些是你目前所沒有的，等等，等等， 但約翰的情況很明顯，他有一份工作，他有點喜歡，但並不總是喜歡。他有孩子，他希望最好能夠做他想做的事，能夠花更多的時間與孩子們在一起，能夠去度假，而不覺得自己被一份工作所束縛，這份工作要求他每天在特定的時間在特定的地點、這很公平，於是我問約翰下一個問題，如果有人想實現財務自由，在你想清楚為什麼要實現財務自由後，我會給他這樣的建議： 你認為現在需要多少錢才能感到財務自由？

I guarantee that number will change as you get closer to it, but that's okay We'll just pick a number for now because it's useful to have a goal To aim towards and then in the process of working towards that goal We're going to shift the goal posts and that's actually totally okay In fact, I would say pause the video now and have a think What is the amount of money you need in income before expenses and all that stuff How much money do you need coming in every month to feel financially free?

我保證這個數字會隨著你的接近而改變，但沒關係，我們現在就選一個數字，因為有一個目標是很有用的，然後在努力實現這個目標的過程中，我們會改變目標，這實際上是完全沒問題的。事實上，我想說的是，現在暫停視頻，想一想在支出和所有東西之前，你需要多少收入？

Worth having a think about what is that number right now?

值得思考的是，現在這個數字是多少？

For me, I would have said oh man if I could have 5k a month coming in In passive income, I would feel really financially free Cool, so that's 60k a year By the way Once you've gotten to a point where you've made all this money and achieved the financial freedom Then you're going to definitely want a place to invest that money Which is where the sponsor of this video comes in and that is trading 212 Trading 212 is a fantastic app that I personally use that lets you invest in stocks and shares in a commission-free fashion In particular, they have a new feature that gives you 1% cash back Which will be allocated to your invest account for each deposit that you make in your ISA So any money you deposit into your ISA, you'll get 1% back on that money completely for free They also have a new debit card that helps you save and invest your money automatically Which is designed to seamlessly integrate with your trading 212 invest account and lets you earn interest on your uninvested cash In 13 different currencies, my goodness, the card is also free and there are no sneaky fees or subscription plans So if you've been looking for a platform to help invest your cash and that sounds up your street Then do please click the link in the video description and that will take you to this page Where you'll be guided on how to sign up for an account and if you use that link You'll also get a completely free share up to the value of 100 pounds So thank you so much trading 212 for sponsoring this video and let's get back to it My friend Lawrence Yeo has a great blog moretothat.com, amazing stuff, and he has a great article about this He talks about how as you become the sort of person who is able to make 5k a month in passive income your identity changes You learn new skills and you literally become a new person And so by the time you're getting to 3, 4 or 4.5k a month The sort of person you are is no longer content with just the 5k a month And so the goal becomes 10k a month or 20k or 50k or 100k or a million a month or you know Whatever the thing might be and again It's less about the money and more about what sort of person you are en route to becoming En route to being able to earn that sort of money.

對我來說，我會說，哦，如果我每個月能有 5k 的被動收入，我就會感覺財務自由了 酷，所以一年就是 60k 順便說一下，一旦你賺到了這些錢，實現了財務自由，那麼你肯定會想要找個地方投資這些錢，這就是本視頻的贊助商，也就是 Trading 212 Trading 212 是我個人使用的一款非常棒的應用程序，它可以讓你以一種免佣金的方式投資股票和股票、他們有一項新功能，可以為您提供 1% 的現金返還，您在 ISA 中的每一筆存款都會分配到您的投資賬戶中。是以，您在 ISA 中存入的任何資金，都將獲得 1% 的現

So that was a bit of a tangent But the point is let's pick a number and let's then figure out What we need to get there.

這有點扯遠了，但重點是讓我們先選一個數字，然後再想一想我們需要什麼才能達到目標。

So in the case of John I didn't want to overstep too much too much by turning this into a whole like business coaching session with John and so like You know what he said when I asked him what his number is He said oh man If I could have a million pounds in the bank In the next eight years, then I'd feel really financially free.

所以，在約翰的案例中，我不想越俎代庖，把這變成約翰的整個商業指導課程，所以就像你知道他說了什麼，當我問他他的數字是多少時，他說，哦，天哪，如果我能在未來八年內在銀行裡有一百萬英鎊，那我就會感覺財務自由了。

Now when he said that a million in the bank by age 45.

現在，當他說 45 歲時銀行裡有一百萬時。

I was like There's there's more exploration that needs to be done here We need to untangle the reasons why like why is a million a special number for a lot of people a million is a really Nice round number because it's a million it feels like a lot of money All of this kind of thing and it absolutely is a lot of money but I suspect with a little bit more back and forth conversations if John and I were having a private coaching session we could have got that number down because We could have found ways for John to feel financially free even without a million in the bank And so there was a bunch of a bunch of things I was thinking on that front But let's just go with that.

我當時想，這裡需要做更多的探索，我們需要理清原因，比如為什麼 100 萬對很多人來說是個特別的數字 100 萬是個非常好的整數，因為它是 100 萬，感覺像是一大筆錢 所有這些事情，它絕對是一大筆錢，但我懷疑，如果約翰和我進行一次私人輔導，我們可以把這個數字降下來，因為我們可以找到讓約翰感到財務自由的方法，即使沒有 100 萬的存款。如果約翰和我進行一次私人輔導，我們可以把這個數字降下來，因為我們可以想辦法讓約翰感到財務自由，即使銀行裡沒有一百萬。

Let's say That your goal for financial freedom is I want a million in the bank in the next eight years Okay, fine So then we want to reverse engineer that so how much money do we have to make each year?

比方說，你實現財務自由的目標是，我希望在未來八年內在銀行存入一百萬 好的，那麼我們要反向推導，我們每年要賺多少錢？

Well million divided by eight is 125 000 now in order to have a million in the bank then that 125 000 presumably needs to be in savings and so like You actually need to be making let's say 250 000 a year in order to pay off all your taxes and all your expenses and stuff Or maybe should we say 200 000 in order to be left with 125 000 in savings So reverse engineering from this john needed 200 000 pounds a year In income in order to get to his goal of millionaire in the next eight years, okay, cool We've established that we need 200k This is what is called a goal and it's useful to have a goal, right?

好吧，一百萬除以八等於125 000，要想在銀行裡有一百萬，那麼這125 000就需要存起來，比如說，你實際上需要每年賺25萬，才能付清所有的稅和所有的開銷，或者我們應該說是20萬，才能剩下125 000的存款，所以約翰需要每年20萬英鎊的收入，才能在未來八年內實現百萬富翁的目標、這就是所謂的目標，有目標才有意義，對吧？

Like, uh, warren buffett has a great phrase.

沃倫-巴菲特有句話說得很好

I think it's from warren buffett Which is you can do anything, but you can't do everything.

我想這是沃倫-巴菲特說過的一句話：你可以做任何事，但你不能什麼都做。

So there's like a zillion things that you can do right now Yeah, you've literally got infinite life possibilities but if you have a clear goal, then that narrows down your list of possibilities to Assuming you want to go for the goal to things that would help you get to the goal Now I have a kind of conceptual framework for this that I call gps Goal plan and system by the way Uh, this is the sort of stuff i'm teaching in my upcoming productivity course in my productivity lab Which is a new community for aspiring and ambitious entrepreneurs creators and professionals That'll be linked down below if you want to check it out productivity lab.com Anyway, gps stands for goal plan system i.e.

所以，你現在可以做的事情多得數不勝數 是啊，你的人生有無限可能，但如果你有一個明確的目標，就會把你的可能性清單縮小到 假設你想去實現目標，而這些事情會幫助你實現目標、這是我即將在我的 "生產力實驗室"（productivity lab）裡開設的生產力課程中講授的內容。"生產力實驗室 "是一個面向有抱負、有雄心的企業家、創造者和專業人士的新社區。com 總之，gps 代表目標計劃系統，即

What is the goal cool?

目標是什麼？

What is the plan of how we're going to get to the goal?

我們實現目標的計劃是什麼？

And then what is the system for how we're going to stick to the plan now in this case?

那麼，在這種情況下，我們如何堅持計劃的制度是什麼？

Let's say the goal was two hundred thousand pounds in income every year again We can quibble all we like about the why behind the goal Should we really have the goal of millionaire in the next eight years?

我們可以就目標背後的原因爭論不休，我們真的應該在未來八年內實現百萬富翁的目標嗎？

Does it really matter who really cares etc, etc?

誰才是真正在乎的人，這真的重要嗎？

We can quibble about that all we like but let's let's just Take it as a given because there's so much quibbling that can be done with financial goals I I love quibbling with people about their financial goals, but like I'll put that off to the side So let's say we do have that goal of two hundred thousand pounds a year.

我喜歡和別人爭論他們的財務目標，但我還是把這個問題放到一邊去吧。

That's the goal.

這就是我們的目標。

Okay, cool Then we think what is the plan?

好吧，酷，那我們想想計劃是什麼？

What is the plan that you are currently following And what is the plan that you need to follow to get to that goal?

您目前遵循的計劃是什麼？為了實現這一目標，您需要遵循的計劃是什麼？

Everyone is always following a plan whether they are conscious of it or not in john's case His goal was two hundred thousand a year But the plan he was following was being a teacher teaching in a secondary school in london and earning I suspect Somewhere between 50 and 70k maybe slightly less than that.

每個人都在按照自己的計劃行事，無論他們是否意識到這一點。就約翰而言，他的目標是年薪 20 萬，但他的計劃是在倫敦的一所中學當一名教師，我猜他的收入在 5 萬到 7 萬之間，也許略低於這個數字。

So let's say he's earning 50k just for the sake of argument John's plan Is getting is is on track to earning 50k a year in income.

是以，我們假設他的收入為 5 萬，只是為了方便論證，約翰的計劃是讓他的年收入達到 5 萬。

John's goal is 200k a year in income.

約翰的目標是年收入 20 萬。

Okay, cool We have established very clearly that there is a discrepancy between the goal That john has and the plan that john is following to get there So in your case, what is the goal that you have and what is the plan that you're currently following?

好吧，冷靜 我們已經非常清楚地確定，約翰的目標和約翰為實現目標而執行的計劃之間存在差異。

And no plan is also a plan for example in my case if my goal was to get six-pack abs and the plan that I was currently following was Eating burgers every day and never going to the gym and doing 500 steps a day clearly That plan is not going to get me to the goal of six-pack abs So when we notice in this gps model when we notice that there is a discrepancy between the goal that we say we want And the plan that we are currently following to get to that goal At that point we have to make a choice Do you want to change the goal or do you want to change the plan?

例如，如果我的目標是擁有六塊腹肌，而我目前的計劃是每天吃漢堡，不去健身房，每天走 500 步，顯然，這個計劃無法讓我實現六塊腹肌的目標。是以，當我們注意到，在這個 gps 模型中，我們所說的目標與我們目前為實現目標而執行的計劃之間存在差異時，我們就必須做出選擇，是改變目標還是改變計劃？

Because you can't have a goal.

因為你不可能有目標。

I mean you can but like you are just setting yourself up for Unhappiness and misery if you clearly have a goal that you really want But the plan that you're following is not actually going to get you there So like let's try and align these things i'm all about living an aligned life You know aligning our the things that we're doing right now with like where we want to go in the future something to something I talk about in My book feel good productivity which is about how to do more of what matters to you without burning up And in a way that's actually fun and sustainable and meaningful.

我的意思是，你可以這樣做，但如果你有一個明確的目標，但你所遵循的計劃實際上並不能幫你實現目標，那麼你就會陷入不快樂和痛苦之中。把我們現在做的事情與我們未來想去的地方結合起來，這是我在我的書 "感覺良好的生產率 "中談到的，這本書講述瞭如何做更多對你來說重要的事情，而不至於焦頭爛額，並以一種有趣、可持續和有意義的方式進行。

You can check it out link down below So there's a discrepancy right between the goal and plan now I asked john this I said john It seems like we've got a discrepancy mate like between the goal that you say you want And the plan that you currently are following i.e being an re teacher in a school in london So which one would you like to change?

你可以在下面的鏈接中查看 目標和計劃之間存在差異 我問約翰 我說 約翰 看起來我們之間存在差異 夥計 你說你想要的目標和你目前正在執行的計劃之間存在差異 你想改變哪一個？

Would you like to change the goal or would you like to change the plan?

您想改變目標還是改變計劃？

The answer is not obvious here If for example john really really really liked being an re teacher And loved his life and loved the fact that he has half of the year off on school holidays Where he can spend time with his family and do things in the house, etc.

這裡的答案並不明顯，例如，如果約翰真的非常非常喜歡當一名再教育教師，喜歡他的生活，喜歡他一年中有一半的時間在學校放假，可以和家人在一起，在家裡做一些事情，等等。

Etc.

等等。

Great John might decide you know what?

偉大的約翰可能會決定你知道嗎？

I actually really want to continue being an re teacher and therefore i'm totally okay with changing the goal My goal is not going to be financial goal.

事實上，我真的很想繼續當一名再教育教師，是以我完全可以改變目標。

My goal is going to be a fulfillment goal I'm not going to worry about getting a million in the next eight years instead I'm gonna worry i'm gonna focus on taking care of my health and making sure I can show up With full presence for my family for my wife and kids and etc, etc That is totally fine.

我的目標將是實現目標，我不會擔心在未來八年內賺到一百萬，相反，我會擔心我會專注於照顧好自己的健康，確保我可以為我的家人為我的妻子和孩子全力以赴，等等等等，這完全沒問題。

If you find yourself wanting to change your goal.

如果你發現自己想改變目標。

I think that is amazing Because there is nothing more sad than working towards a goal and only finding out when you're close to it or getting there That actually the goal itself was not what you actually wanted You wanted something else Which is why i'm very bullish like whenever I kind of have these sorts of conversations with people and it results in them changing The goal I feel very happy because i've just saved you a ridiculously large amount of time and effort and pain because In one fell swoop you've decided to change the goal that you're working towards The goals that we work towards the goals that we choose to work towards are literally the thing that dictates our entire life Right because when you set a goal or set an intention That generally hopefully informs the actions that you're taking to work towards it and those actions Are what actually gives you your day-to-day experience of life?