Making six figures at the age of 25 and then multi six figures at the age of 30,

25 歲時賺到六位數，30 歲時賺到多位數、

I can hands down look back and say there were so many mistakes that I made along the way.

回首往事，我可以坦然地說，一路走來，我犯了很多錯誤。

And so in this video, I wanted to share with you seven of what I think are the biggest mistakes high income earners make and strategies to avoid them before it's too late.

是以，在本視頻中，我想與大家分享我認為高收入者最容易犯的七個錯誤，以及避免這些錯誤的策略，以免為時已晚。

Number one, being tied to golden handcuffs.

第一，被綁上金手銬。

This is probably the mistake that cost me the most number of years, and it's one of the most common mistakes I see people around me make.

這可能是讓我付出最多代價的錯誤，也是我身邊的人最常犯的錯誤之一。

Golden handcuffs is essentially when a company pays you so well that you forget or you sideline what you really want to do.

所謂 "金手銬"，實質上就是公司給你的報酬太高，以至於你忘記了自己真正想做的事情，或者說你把自己真正想做的事情放在了一邊。

It pays you enough to forget about your path, your dreams, your vision.

它給你的報酬足以讓你忘記自己的道路、夢想和願景。

When I first started my job in banking, I was making £35,000 and I remember thinking at the time if I were to do my own thing or change career paths, I'd need to earn the same amount to be able to justify the move. I looked into a few alternatives, but I was so comfortable with where I was, so I just continued to go down that same path.

剛開始在銀行工作時，我的薪水是 3.5 萬英鎊，我記得當時我在想，如果我想做自己的事情或改變職業道路，我需要賺同樣多的錢，才能證明我的選擇是正確的。我考慮了一些其他的選擇，但我對自己現在的工作很滿意，所以就繼續沿著這條路走下去。

And then a few years later, I was on six figures and I thought about it again.

幾年後，我的收入達到六位數，我又開始考慮這個問題。

I didn't really like my job at this point. I considered switching career paths, applying for other jobs, doing my own thing. I looked into all the options and very quickly realized that I am not going to sustain the level of income that I was on doing something else.

此時，我並不喜歡我的工作。我考慮過轉行，申請其他工作，做自己的事情。我研究了所有的選擇，很快就意識到，我不可能維持原來的收入水平。

And so again, buried this feeling inside of me, continued working. With every passing year,

於是，我再次把這種感覺埋在心裡，繼續工作。每過一年

I got another pay rise, a promotion, a bigger bonus. And year after year, these golden handcuffs got tighter and tighter. And it was only nine years in to my corporate career where I took a step back and thought, I actually hate what I do. I'm earning a good salary, but I don't even have the time or the freedom to enjoy it. I have very little control or autonomy over my life. And my relationship is shit because I'm always unhappy. And I let myself get to that point before realizing that I had the keys to the golden handcuffs all along.

我又加薪了，又升職了，獎金也更多了。年復一年，這些金手銬越銬越緊。直到我在公司工作九年後，我才回過頭來想，我其實很討厭我的工作。我的薪水很高，但我甚至沒有時間或自由去享受它。我對自己的生活幾乎沒有控制權和自主權。我的人際關係也很糟糕，因為我總是不開心。我讓自己走到這一步，才意識到金手銬的鑰匙一直在我手裡。

And what I'm trying to say is that sometimes when you're earning or used to earning a lot of money, it can be so tempting to just stay the path, but don't make the mistake of letting the fear of losing what you have prevent you from chasing what you truly want. Don't let it make you complacent if you aren't happy with where you are. Number two, not allowing yourself to spend.

我想說的是，有時候，當你賺到或習慣於賺到很多錢時，你可能會很想繼續走下去，但不要犯這樣的錯誤，不要因為害怕失去現有的一切而不去追逐自己真正想要的東西。如果你對自己的現狀不滿意，也不要是以而沾沾自喜。第二，不允許自己花錢。

I know people who have hundreds of thousands in the bank, but they're not able to spend their money joyfully. When you've got to a good place after years of scrimping and saving and counting every penny, it's then very hard to break out the habit that got you there. Even after achieving financial security, the idea of spending money on yourself or for fun or for joy, it just seems like a foreign concept and requires a shift of mindset from one that is of scarcity to one that is of abundance. So something now that I've implemented and I do, I have a fun budget in my tracker, and this is essentially a must spend percentage of my income. And I allocate 20% of my income every month on anything that I want, activities, experiences, eating out, clothes, absolutely anything. That way I'm still enjoying my life while I pursue my bigger financial goals. It's not just one or the other. Remember the hard work and the frugality that helped you accumulate your wealth doesn't have to define your spending habits for the rest of your life. It's okay to let go and enjoy your money. You've earned it. Number three, being overly dependent on one income stream. When you're making a lot of money from one income stream alone, it's super easy to just double down on it and become very reliant on it, overly dependent on it. And up until six years ago,

我認識一些人，他們在銀行裡有幾十萬的存款，但卻不能快樂地花錢。當你經過多年的節衣縮食、省吃儉用、精打細算，終於有了一筆不錯的收入時，你就很難改掉當初的習慣。即使在實現了財務安全之後，把錢花在自己身上、為了娛樂或為了快樂，這似乎也是一個陌生的概念，需要轉變心態，從匱乏的心態轉變為富足的心態。是以，我現在實施了一項計劃，在我的追蹤器中有一個 "娛樂預算"，這基本上是我收入中必須支出的百分比。我每個月都會把收入的 20% 用於我想要的任何事情，活動、體驗、外出就餐、衣服，絕對是任何事情。這樣，我在追求更大財務目

I was so dependent on my income for my day job, everything, my life, my flat, my car, everything would pretty much disappear if I'd lost my job. And this is a very vulnerable place to be in. It's very easy to be reliant on just one source of income and just assume that it will keep paying you. Yeah. Focus on maximizing what you make from it. Focus on moving jobs, getting a better pay, negotiating a salary, go for the extra promotions, but you still need to have other income streams and do something on the side, do whatever you need to so that you're not relying on just this one income stream because having one stream of income is too close to none. There are a lot of ways to make extra money outside of your nine to five. You just need to be a little bit more creative. In this video here, I talk about the other business ideas and passive income streams that I have as well. If you are looking to start your own side business of any sort, then one thing that can really help you from the start is understanding and being clear about the market potential, your competition, and exactly who your potential customers would be. I only really thought about this seriously halfway through my journey and ended up having to change direction on a few things and would have done some things differently if I knew what I know now back then.

我是如此依賴於我白天工作的收入，如果我失業了，我的生活、我的公寓、我的車，一切都會消失殆盡。這是一個非常脆弱的地方。只依賴一個收入來源，並認為它會一直給你錢是很容易的。是啊專注於最大限度地提高你的收入。集中精力換工作、爭取更好的薪水、談薪水、爭取額外的晉升，但你仍然需要有其他的收入來源，做一些副業，做任何你需要做的事情，這樣你就不會只依賴於這一種收入來源，因為只有一種收入來源太接近於沒有。朝九晚五之外還有很多賺外快的方法。你只需要更有創意一點。在這段視頻中，我也談到了我的其他創業想法和被動收入來源。如果你

If you want to learn more about how to start a business and you want templates or guides that can prompt you with things to consider from the outset, then I would highly recommend HubSpot's completely free business starter toolkit. It comes with a really comprehensive business plan template which will help you with your business, your vision, established goals, and plan for success. To ensure your business idea is viable, it also offers a feasibility study template.

如果你想了解更多關於如何創業的資訊，並希望獲得能提示你從一開始就需要考慮的事項的模板或指南，那麼我強烈推薦 HubSpot 完全免費的創業工具包。它配備了一個非常全面的商業計劃模板，可以幫助你瞭解自己的業務、願景、既定目標和成功計劃。為了確保你的創業想法可行，它還提供了一個可行性研究模板。

There's also a free business startup calculator that helps you with the financial aspects of starting a business. It helps you identify the potential costs associated with starting your business. Once again, this business starter kit HubSpot provides is available completely for free if you want to check it out in the description box below. Thank you to HubSpot for sponsoring this video. The fourth biggest mistake I see high earners make is waiting too long to start investing. According to a 2019 report by UBS Investor Watch, Billionaire's Insights it was called, it's noted that as the wealth of someone increases, so does their reluctance to spend or invest due to the fear of losing what they've worked so hard to accumulate. And the report found that over 60% of high net worth individuals suffer from decision paralysis. People prefer, especially at that level, to keep their money in a bank account because it feels safe, especially if they haven't become familiar with the idea of investing. Once you have an emergency fund, once you've paid off your high interest rate debt, you need to start making the rest of that money that you earn work for you. But the problem a lot of high earners have is that because they haven't got into the habit of investing, they have a lump sum that they're ready to invest, but they're now too scared to do anything with it. Their emotions take over. They don't want to lose it. They continue waiting and waiting until they think is the best time to get into the market. If you invest 200 a month for 30 years into the market at an average market return of 8%, you can expect to have a pot of over 270,000. If you wait until you have more money to invest and say you get to a point where you have the ability to invest a thousand a month and only have 10 years to invest it, with the same return, you'll end up with less. You'll actually end up with just over 170,000. Even though we often have the money to start investing with, we fall prey to this myth that we still need more to get started. And then we get to a point where we do have enough. We end up being too scared to invest it because we think we'll lose it. The way I see it, other than the money that you have for your emergency fund, the money that you are saving for an important big purchase or the money that you're investing into your learning or into a side business, the rest should just be parked away, taking along in a low cost index fund as soon as possible. In the comments on my last video that I released, there were so many people saying, where can you get this return? Where can you get a 6% return? Where can you get an 8% return? If you are new to investing and you know you should be doing it, you just don't know how to go about it, then I have a free masterclass that is releasing very soon. We'll cover at what point you should start investing, how much you need, what to invest in, and how to do it safely and strategically. If you want to know more, check the link below. Again, it is completely 100% free.

還有一個免費的創業計算器可以幫助您解決創業的財務問題。它可以幫助你確定與創業相關的潛在成本。再次強調，HubSpot 提供的這個創業工具包是完全免費的，如果你想查看，請點擊下面的描述框。感謝 HubSpot 贊助本視頻。我看到的高收入者犯的第四大錯誤是等待太久才開始投資。根據瑞銀《投資者觀察》（Billionaire's Insights）2019 年的一份報告指出，隨著財富的增加，人們也不願意消費或投資，因為他們害怕失去辛辛苦苦積累起來的財富。報告還發現，超過 60% 的高淨值人士患有決策癱瘓症。人們更

The next biggest money mistake is not giving money away. There are countless studies that show once you earn enough money to have your basic needs covered, every extra or additional amount of money you make after a certain threshold doesn't really move the needle that much when it comes to your happiness. And what I found is that despite a lot of people knowing this and being aware of it, we don't really consider how else we should use the money to make ourselves feel good.

下一個最大的金錢錯誤就是不給錢。有無數的研究表明，一旦你賺到的錢足以滿足你的基本需求，那麼在達到某個臨界點之後，你賺到的每一筆額外的錢都不會對你的幸福感產生太大的影響。我發現，儘管很多人都知道這一點，也意識到了這一點，但我們並沒有真正考慮過應該如何使用這些錢來讓自己感覺良好。

We just keep spending it on ourselves. And what I found is that out of all the things that I've spent on, the area that brings me the most happiness, the most joy, most fulfillment, is spending on other people or gifting money in some way. And giving away money can mean very different things for very different people. Maybe it's paying for your mom's operation so that she has less pain, paying for your grandma's electricity bill every month so that it's affordable to her. Maybe it's putting money towards the animal shelter down the road that you've wanted to support. Just helping a little is going to make you feel good about yourself and help others in the process. It is literally a win-win. And I truly believe that the more you can give away what has come to you, the more the universe will give you more of it because it understands that it's in the right hands of someone that is using it to do better.

我們總是把錢花在自己身上。而我發現，在我花掉的所有錢中，能給我帶來最幸福、最快樂、最充實感的，就是花在別人身上，或者以某種方式贈送金錢。對於不同的人來說，贈送金錢可能意味著非常不同的事情。也許是支付你媽媽的手術費，讓她少受痛苦；也許是支付你奶奶每月的電費，讓她負擔得起。也許是為你一直想支持的路邊的動物收容所捐款。只要盡一點綿薄之力，就能讓你自我感覺良好，並在此過程中幫助他人。這簡直就是雙贏。我真的相信，你越是能把你得到的東西送出去，宇宙就越會給你更多，因為它知道，這些東西在正確的人手裡，會被用來做得更好。

The next money mistake is working too much. There's a book written by an Australian nurse who recorded the top five dying regrets that she found amongst patients that she cared for in their final weeks of their lives. And their number one regret was,

下一個賺錢誤區是工作太多。一位澳洲護士寫了一本書，記錄了她在照顧的病人生命最後幾周裡發現的五大臨終遺憾。他們的頭號遺憾是

I wish I had the courage to live a life true to myself, not the life others expected of me.

我希望自己有勇氣過真正屬於自己的生活，而不是別人期望的生活。

And the second was, I wish I hadn't worked so hard. Money is a huge part of our lives.

第二個問題是，我希望我沒有那麼努力工作。錢是我們生活的重要組成部分。

It touches so many elements of our day-to-day. It unlocks countless opportunities. But there comes to a point where the pursuit of working more and more just for the sake of money comes at the cost of other things that are more important in life. Spending time with people you love, taking time out and enjoying the money you earn, that's the true essence of why we make money is to live a life that makes us happy. And when it comes to a point where the scale tips and you're working just to make more money, even though other things will actually bring you more happiness, then you know it's time to tip that scale the other way again.

它觸及我們日常生活的方方面面。它開啟了無數的機會。但是，在追求越來越多的工作只是為了賺錢的過程中，我們會以犧牲生活中其他更重要的事情為代價。花時間與你愛的人在一起，抽出時間享受你賺到的錢，這才是我們賺錢的真諦，也是為了讓我們過上幸福的生活。當天平傾斜到一定程度，你工作只是為了賺更多的錢，即使其他事情實際上會給你帶來更多的快樂，那麼你就知道是時候把天平再次倒向另一邊了。

The next money mistake is ruining relationships because of money. TD Ameritrade's 2018 survey found that 53% of millennials say it would be worth it, quote-unquote, to go into credit card debt if it meant that they can attend a wedding of a close friend or a family member. We live in a society where it's almost an expectation now to attend someone's wedding or a hen or a stag, even if it means going into debt as a result. But not everyone has the same priorities as you or as someone else when it comes to money. And thinking otherwise can cause the end of really good friendships. Looking at my Saco friends alone, I have some friends who openly acknowledge that they've chosen a career that doesn't pay well because they're doing it out of passion, out of service, and they don't care about the money side of it. And there are others who openly acknowledge that they're only doing their job for money and they have zero passion for it. To maintain a genuine friendship with people from different backgrounds that isn't based on how much money you have, you have to be mindful that not everyone has the same priorities when it comes to money. Just because one person wants to eat out at a fancy restaurant doesn't mean other people want to do the same or they have the same standard. Just because one person can afford to go on an extravagant destination hen or to organize an extravagant destination hen doesn't mean everyone else can. If you want to maintain genuine, authentic relationships and friendships, we can't let money or lack of define our connections. It's the shared experiences, the shared understanding, the mutual respect, that is where the foundations of genuine relationships are built, not in the size of a bank balance. And number eight, this is a bit of a bonus one that I thought about as I was recording, and it's not hiring an accountant or a lawyer.

下一個金錢錯誤是因金錢而破壞人際關係。道明證券2018年的調查發現，53%的千禧一代表示，如果能參加好友或家人的婚禮，那麼欠下信用卡債務也是值得的。我們生活在這樣一個社會里，參加別人的婚禮、母雞聚會或雄鹿聚會幾乎成了一種期望，即使這意味著要是以負債累累。但並不是每個人在金錢方面都和你或其他人有同樣的優先考慮。如果不這麼想，就會導致真正的好友誼走向終結。僅就我在薩科的朋友而言，我就有一些朋友公開承認，他們選擇了一份收入並不高的職業，因為他們是出於熱情、出於服務而從事這份工作，他們並不在乎錢的問題。還有一些人

When you have a sizable amount of money, it's easy to still think in the same ways that you did before making a lot of money. And that may mean you cheap out on a few things. You may not have an accountant. Instead of having a lawyer, you ask chat GPT to line up a contract for you. But as more and more money is involved, spending more in these areas to protect you and to protect your wealth will save you a lot more than it will cost you. The more money you have, the more money that you have to lose. And so hiring a good accountant and a good lawyer are two of the most important things you can do when you've built wealth. If you enjoyed this video, you might also enjoy this video right here on why so many high income earners are still feeling broke. Thank you for watching and I hope to see you there.

當你有了一大筆錢後，很容易還是用賺大錢之前的思維方式去思考問題。這可能意味著你會在一些事情上吝嗇。你可能沒有會計師。你可能沒有請律師，而是讓哈拉 GPT 幫你起草一份合同。但是，隨著涉及的資金越來越多，在這些方面多花點錢來保護自己和保護自己的財富，會比花的錢多得多。你擁有的錢越多，你可能損失的錢也就越多。是以，聘請好的會計師和好的律師是你積累財富後最重要的兩件事。如果你喜歡這段視頻，你可能也會喜歡這段視頻，它講述了為什麼這麼多高收入者仍然感到身無分文。感謝您的收看，希望在那裡見到您。