Name: 我讀了 40 本關於金錢的書。以下是能讓你致富的書 (I read 40 books on money. Here's what will make you rich)
Uploaded: 2024-08-04T08:32:48.000Z
Duration: 13 min 19 s

動名詞

Over the last few years, I have read almost every book that exists on money and investing, from the classic books that cover the fundamentals like Rich Dad Poor Dad, to the psychology focused ones like Think and Grow Rich, to the books that go into investing like One Up on Wall Street.

在過去的幾年裡，我幾乎讀遍了所有關於金錢和投資的書籍，從《富爸爸窮爸爸》等涵蓋基本知識的經典書籍，到《思考與致富》等注重心理學的書籍，再到《華爾街一枝獨秀》等深入投資的書籍。

未來簡單式

So in this video, I'm going to break down the key things I have learned and taken away from all the books that I've read.

是以，在本視頻中，我將詳細介紹我從所讀過的所有書籍中學到的關鍵知識。

過去簡單式

Some of them really surprised me because they contradicted what I learned from my day job in investment banking and I'm curious to know if you share the same perspective.

我很想知道你們是否也有同樣的看法。

So let's start off with the basics and the most popular one and that is Rich Dad Poor Dad.

是以，讓我們從最基本、最受歡迎的《富爸爸窮爸爸》開始。

This is the classic of classics and I can definitely see why it's so popular.

這是經典中的經典，我完全明白它為何如此受歡迎。

It covers the foundations for finance and money that isn't taught to us in school.

它涵蓋了學校沒有教給我們的財務和金錢基礎知識。

The premise of this book is based around the author's two dads, his biological father who recommends getting a secure job, taking the traditional path and retiring with a pension.

這本書的前提是圍繞作者的兩個父親展開的，他的生父建議找一份安穩的工作，走傳統的道路，退休後領取養老金。

And then there's a second dad who is his best friend's father and he was a high school dropout.

還有一個爸爸是他最好朋友的爸爸，高中輟學。

He built a business empire and was all about independent thinking and buying assets that make money for you.

他建立了一個商業帝國，一切都講究獨立思考，購買能為你賺錢的資產。

And this book is what introduced me to the concept of assets and liabilities.

正是這本書讓我瞭解了資產和負債的概念。

Assets, as it explains, are things that put money into your pocket.

資產，正如它所解釋的那樣，是能把錢裝進你口袋的東西。

This could be anything from investments like stocks and shares, real estate, side hustles or businesses that bring in extra income.

這可以是股票、房地產等投資，也可以是能帶來額外收入的副業或生意。

On the other hand, liabilities are things that take money out of your pocket and they lose value over time.

另一方面，負債是從你口袋裡掏錢的東西，它們會隨著時間的推移而貶值。

And these are the things you want to avoid, especially in the years that you're trying to build yourself up.

而這些都是你想要避免的，尤其是在你努力提升自己的那幾年。

He says that when you think of your home as a primary investment, you end up paying more for it and buying more house than you need.

他說，當你把房子當作一項主要投資時，你最終會為它付出更多，購買的房子也會超出你的需要。

And that sucks up a lot of your money in monthly installments that could have been used more profitably somewhere else.

這樣一來，每月的分期付款就會佔用你大量的資金，而這些資金本可以用在其他地方，獲得更大的收益。

So this is a really good book to begin your personal finance journey.

是以，這是一本開啟個人理財之旅的好書。

It explains the core concepts in a very digestible way and emphasizes the importance of giving each pound or each dollar a purpose and viewing it as an employee that is constantly working for you.

該書以非常易懂的方式解釋了核心概念，並強調了為每一磅或每一美元賦予目的的重要性，以及將其視為不斷為你工作的員工的重要性。

So this mindset clarifies the trade-off between present expenses and future income, because every dollar or every pound spent today is one that ultimately won't be able to work for you later down the road.

是以，這種思維方式明確了當前支出與未來收入之間的權衡，因為今天花費的每一美元或每一英鎊最終都將無法為你日後的生活服務。

Then he has a follow-up book, which is The Cashflow Quadrant.

之後，他又出版了一本名為《現金流象限》的書。

So there are hundreds of ways to earn money beyond the conventional nine-to-five job.

是以，除了傳統的朝九晚五的工作之外，還有數以百計的賺錢方式。

Most people think that a stable job is the only legit and realistic way to financial security, but this book will paint a whole new picture.

大多數人認為，穩定的工作是實現財務安全的唯一合法且現實的途徑，但本書將為您描繪一幅全新的圖景。

It makes you really understand the limitations of a nine-to-five job and how you don't have to be tied to a desk for the rest of your life in order to make money and be financially free.

它讓你真正瞭解到朝九晚五工作的侷限性，以及如何不必為了賺錢和財務自由而終生與辦公桌綁在一起。

In fact, it takes that one step further and says how relying purely on your job might just be the worst thing you do when it comes to making money and seeking financial freedom.

事實上，它更進一步指出，在賺錢和追求財務自由的過程中，單純依賴工作可能是最糟糕的事情。

The Cashflow Quadrant that he discusses represents the four ways to earn money.

他所討論的 "現金流象限 "代表了四種賺錢方式。

It's being an employee, so working a nine-to-five job, being self-employed or having a small business.

是僱員，即朝九晚五的工作，還是自營職業者或小企業。

So for example, if you're a dentist, a freelancer, and then there's being a big business owner, and then finally being an investor.

例如，如果你是牙醫、自由職業者，然後是大企業主，最後是投資者。

And in this book, he talks about how you can use this concept to achieve financial freedom and which of these paths are most likely going to lead you down that road.

在這本書中，他講述瞭如何利用這一概念實現財務自由，以及哪些路徑最有可能引領你走上財務自由之路。

It's a good book to get your mind ticking with ideas, but when it comes to actionable takeaways and things you can implement, I would recommend this book.

這是一本能讓你腦中閃現各種想法的好書，但說到可操作的收穫和可以實施的東西，我還是推薦這本書。

And that is A Four-Hour Workweek by Tim Ferriss.

這就是蒂姆-費里斯所著的《每週工作四小時》。

So when I read this, or even when I saw the title, I was initially quite sceptical.

是以，當我讀到這本書時，甚至當我看到書名時，我起初是相當懷疑的。

I mean, a four-hour workweek sounded too good to be true.

我的意思是，每週工作四小時聽起來好得不像真的。

But as I got deeper into the book, I realised it wasn't at all about working less.

但當我深入閱讀這本書時，我意識到它根本不是關於減少工作的。

He talks about how anyone can live a retired millionaire lifestyle by building their own business, automating it, and then collecting their income as they go and live their best life, or the life that they would usually wait for years and years and years to live when they retire.

他談到，任何人都可以通過建立自己的企業，使其自動化，然後邊做邊收，過上最好的生活，或者過上他們退休後通常要等待多年才能過上的生活，從而過上百萬富翁的退休生活。

When you read the book, it illustrates how something that is initially very far-fetched and seems like it's completely out of reach is actually a lot more achievable than you think.

當你閱讀這本書時，你會發現最初非常牽強附會、看似完全遙不可及的事情，其實比你想象的要容易實現得多。

是以，這兩本書是相輔相成的。

Cashflow Quadrant opens your eyes to the possibilities of earning money outside the traditional job setup, and then The Four-Hour Workweek gives you the tools to make that happen.

現金流象限》讓你看到在傳統工作之外賺錢的可能性，而《每週工作四小時》則為你提供了實現這一目標的工具。

The point that the author makes in this book is that there is no such thing as get rich easy, but there is such thing as get rich quick, which is really often.

作者在這本書中提出的觀點是，世界上沒有輕鬆致富，但有快速致富，這種情況確實經常發生。

He talks about the three paths in financial life.

他談到了財務人生的三條道路。

The first path is the sidewalk, and it's one where you spend more than you earn repeatedly, which keeps you trapped in a cycle of being paycheck to paycheck.

第一條路是人行道，在這條路上，你的花費一再超過你的收入，這讓你陷入了靠工資生活的怪圈。

The second path that he talks about is the slow lane, and it's about taking the safer path in life.

他說的第二條路是 "慢車道"，也就是走更安全的人生道路。

Getting good grades, getting a good job, saving a portion of your paycheck every month, and then putting that into investments, and eventually being able to retire at 65 plus years old.

取得好成績，找到一份好工作，每月從工資中拿出一部分存起來，然後用於投資，最終能夠在 65 歲以上退休。

And the issue with this is that it is a slow game, and you're ultimately trading your time for money.

問題是，這是一個慢速遊戲，你最終是在用時間換金錢。

And then there's path three, and that is the fast lane, and that is leveraging your time to create passive income.

第三條路是快車道，即利用時間創造被動收入。

So in other words, investing your time in work that generates passive income by creating a product or a system that's capable of earning an income long after your original time investment has been put into it, and it expands your income potential.

是以，換句話說，把時間投入到能產生被動收入的工作中，創造出一種產品或系統，這種產品或系統能夠在你最初的時間投入之後很長時間內賺取收入，並能擴大你的收入潛力。

So what I really like about this book is that MJ, the author, while saying there is such thing as getting rich quick, which can sound a bit scammy, he keeps it very real in that it isn't possible without a lot of hustle, a lot of hard work, and a lot of discipline.

是以，我非常喜歡這本書的一點是，作者 MJ 雖然說有快速致富這回事，聽起來有點騙人，但他說得非常真實，沒有大量的努力、辛勤的工作和嚴明的紀律是不可能的。

You need to be incredibly committed, and even though it might be or might look like that you get rich really quick, it's actually accumulation of years and experience and knowledge that gets you to that point.

你需要無比堅定地投入，儘管你可能會或看起來會很快致富，但實際上是多年的積累、經驗和知識讓你達到了那個境界。

This is one of the books that tends to have different opinions.

這是一本容易引起不同意見的書。

There's hardly a middle ground with this book.

I've come across people who felt that this book was all fluff and didn't really deliver on what it promised.

我遇到過一些人，他們覺得這本書都是浮雲，並沒有真正實現它的承諾。

They expected a clear actionable road map to wealth, and so they were quite disappointed when they didn't find that.

他們期望有一個清晰的、可操作的致富路線圖，是以，當他們沒有找到這個路線圖時，他們感到非常失望。

And on the other hand, there are people who credit this book with transforming their mindset and their financial lives.

另一方面，也有人認為這本書改變了他們的心態和財務生活。

For them, it was like this light bulb moment that helped them unlock their limiting money beliefs and figure out what was everything.

對他們來說，這就像 "電燈泡 "一樣，幫助他們解開了限制金錢的信念，弄清了什麼才是一切。

If you approach life with a scarcity mindset, thinking that there's never enough and that money is hard to come by, then that is what you'll experience.

如果你用匱乏的心態對待生活，認為永遠都不夠用，金錢來之不易，那麼這就是你的經歷。

Whereas on the other hand, if you believe in abundance and that you're capable of achieving wealth, your actions will align to those beliefs and lead you towards success.

而另一方面，如果你相信富足，相信自己有能力獲得財富，那麼你的行動就會與這些信念保持一致，並引領你走向成功。

But, and there is a big but, mindset alone is not enough.

但是，有一個很大的 "但是"，光有心態是不夠的。

You can have the most positive abundance-orientated mindset in the world, but if you're not taking any action, you're not going to get very far.

你可以擁有世界上最積極的富足心態，但如果你不採取任何行動，你就走不遠。

It's like having the best tools in the world, but never using them to build anything.

這就好比擁有世界上最好的工具，卻從來不用它們來建造任何東西。

You need both the right mindset and then also consistent focused action.

你既需要正確的心態，也需要始終如一的專注行動。

So if you're looking to improve the former and you're open to exploring your beliefs and digging deep into your mindset, then this book is for you.

是以，如果你想改善前者，並且願意探索自己的信念，深入挖掘自己的心態，那麼這本書就是為你準備的。

If you're not a fan of the philosophical approach and you're looking for a step-by-step guide to building wealth, then you might want to skip it and go for some of the other ones that I mentioned later in this video when it comes to the getting rich part.

如果你不喜歡哲學方法，而想找一本循序漸進的財富積累指南，那麼你可能想跳過它，去找我在本視頻後面提到的其他一些致富指南。

Next, we have another classic which is The Psychology of Money.

接下來，我們還有一本經典之作，那就是《金錢心理學》。

So I have a whole video dedicated to this book and the lessons I've learned, so I'll link that over here.

是以，我有一整段視頻專門介紹這本書和我學到的經驗教訓，所以我會把它鏈接到這裡。

Ultimately, money is as much about psychology as it is about maths.

歸根結底，金錢既與數學有關，也與心理學有關。

It's about how our minds perceive and interact with money, our feelings towards money, our past experiences with money, and these things often overshadow the raw financial knowledge that The most interesting part of this book for me is in relation to the fact of how often we misattribute the role of chance or luck in our financial lives.

對我來說，這本書最有趣的部分在於，我們常常錯誤地認為機會或運氣在我們的財務生活中扮演著重要的角色。

So Housel, the author, talks about how most of us learn what to do and what not to do about money by studying the most exceptional financial success stories, like the Bill Gates of the world, and we think that we can replicate it.

是以，作者霍塞爾談到，我們大多數人是如何通過研究世界上最傑出的財務成功案例（如比爾-蓋茨）來學習在金錢方面該做什麼和不該做什麼的，並認為我們可以複製這些成功案例。

But the more exceptional the story, the more likely it is that luck played a bigger role in So the fewer lessons you can actually take from it and implement into your own life.

但越是特殊的故事，越有可能是運氣起了更大的作用，所以你能從中汲取並應用到自己生活中的經驗教訓就越少。

So he actually recommends paying attention to the patterns and not to the people.

是以，他實際上建議關注模式而不是人。

So if one person took route A to get success, but 10 people took route B to get success, chances are route B is what's going to work for you, because it's more likely that chance or luck played a role for the person that took route A.

是以，如果一個人走了 A 條路線獲得成功，而 10 個人走了 B 條路線獲得成功，那麼 B 條路線很有可能對你有用，因為對走 A 條路線的人來說，機會或運氣更有可能起了作用。

When it comes to money, there are some key patterns and fundamentals that can apply to absolutely everyone and it doesn't require a whole amount of chance or luck.

說到賺錢，有一些關鍵的模式和基本原理絕對適用於每個人，而且不需要太多的機會或運氣。

And I've got a free guide that goes into this and on page 32 of that guide, it goes through the most likely things that will guarantee your success when it comes to investing.

我有一份免費的指南，其中第 32 頁介紹了最有可能保證你投資成功的事情。

These are the things that have been proven time and time again by investing experts that have trodden the path before us and things you need to consider.

這些都是投資專家們在我們之前走過的道路上一再證明過的，也是你需要考慮的。

同樣，該指南也是完全免費的。

If you want to check it out, it's in the description box below.

如果您想查看，請點擊下面的說明框。

There are also some fundamentals that I think most of the money books fail to mention and I'll go into that in a second.

還有一些基本要素，我認為大多數理財書籍都沒有提及，我稍後會詳細介紹。

But firstly, now that we covered the basics about how to manage your money, what about the getting rich part?

但首先，既然我們已經介紹瞭如何理財的基本知識，那麼致富的部分又是什麼呢？

Where should our money be channeled into to multiply its value?

我們的錢應該投向哪裡才能實現價值倍增？

Alex Hormozy introduced this concept of ignorance debt when it comes to gathering knowledge.

亞歷克斯-霍爾莫茲在談到收集知識時提出了 "無知債務 "這一概念。

He explains that the difference between your current level and earning 100 million is just the information that you haven't yet learned.

他解釋說，你目前的水準與賺到 1 億美元之間的差距，只是你還沒有學到的資訊。

It's the fact that you don't know how to make 100 million.

And we can use this ignorance debt concept when it comes to a lot better than we actually do.

我們可以利用這個無知債務的概念，當它比我們實際做的要好得多。

We may think that we have grasped all the intricacies and we're prepared to make really big decisions when it comes to money investing.

我們可能會認為，我們已經掌握了所有錯綜複雜的問題，我們已經準備好在投資理財方面做出真正重大的決定。

But this premature level of confidence can mislead us if we don't have a strong enough foundation when it comes to our understanding.

但是，如果我們的認識基礎不夠牢固，這種過早的自信就會誤導我們。

So what are some of the books that can help us tackle this ignorance debt and that can start you on your investing journey?

那麼，有哪些書籍可以幫助我們解決這些無知的債務問題，並開啟您的投資之旅？

Two books, The Intelligent Investor and Girls That Invest are great places to start.

聰明的投資者》（The Intelligent Investor）和《投資女孩》（Girls That Invest）這兩本書就是很好的開始。

The Intelligent Investor is a book Warren Buffett read when he was 19 and he still calls this the best book on investing that has ever been written.

聰明的投資者》是沃倫-巴菲特 19 歲時讀到的一本書，他至今仍稱這本書是有史以來最好的投資書籍。

The principles of this book are timeless and it illustrates how investing over the long term does not require any specialist knowledge.

本書的原則是永恆的，它說明了長期投資並不需要任何專業知識。

It doesn't require being super intelligent or having really deep insight on anything.

這並不需要超高的智商，也不需要對任何事情有深刻的見解。

It just requires two things and that is one, a rational framework to make a decision.

這隻需要兩樣東西，其一，做出決定的理性框架。

And secondly, not letting your emotions override your rational framework.

其次，不要讓情感凌駕於理性框架之上。

He covers how the market behaves, the basic fundamentals of finance and how to maintain control of your psychology.

他講述了市場的行為方式、金融的基本原理以及如何控制自己的心理。

Then the Girls That Invest is written by a friend of mine, Sim.

那麼投資的女孩》是我的一位朋友西姆寫的。

Another really good book for the ultimate beginner who wants to understand why they should invest, the basics and the terminology of investing and how to find your investing personality type and create a portfolio that matches that.

對於想要了解為什麼要投資、投資的基礎知識和術語，以及如何找到自己的投資性格類型並創建與之相匹配的投資組合的終極初學者來說，這又是一本非常好的書。

Then there's a little book of Common Sense Investing written by John and he invented index funds.

約翰寫了一本小書《投資常識》，他發明了指數基金。