Name: 我希望在 20 多歲時學會的 3 個理財習慣 (3 Money Habits I Wish I Learned In My 20s)
Uploaded: 2024-08-04T08:46:15.000Z
Duration: 7 min 27 s

過去簡單式

Three money and business laws I wish I understood in my 20s.

我希望在 20 多歲時就能明白的三條金錢和商業法則。

Number one, the assigned value framework.

A number of studies and research has shown that money doesn't buy happiness.

大量研究表明，金錢並不能買來幸福。

If you're struggling to make ends meet, then yes, every additional amount you make can in fact have a big difference.

如果您的生活捉襟見肘，那麼是的，您多賺的每一分錢實際上都會產生很大的影響。

But beyond a certain level where you've got your basics taken care of, it may well in fact be that not making more money, or not taking on that extra money, will have a bigger impact on your happiness than making that money.

但是，當你的基本生活得到了一定程度的保障之後，事實上，不賺更多的錢，或者不承擔額外的錢，對你幸福感的影響可能會比賺到這些錢更大。

So consider a scenario where you're really happy in your day job.

是以，考慮這樣一種情況：你在日常工作中非常快樂。

The work is fulfilling, it pays well enough, it gives you flexibility to enjoy your relations and your hobbies outside of work.

工作充實，報酬豐厚，還能靈活地享受工作之外的關係和愛好。

Now all of a sudden you're offered a promotion.

That promotion comes with a pay rise, but it also comes with working longer hours and taking on less enjoyable tasks and less fulfilling work.

升職意味著加薪，但也意味著工作時間更長，承擔的任務不那麼令人愉快，工作也不那麼有成就感。

So you have less time overall to even spend outside of work with the relations, spending on the things that are of interest to you.

是以，總體而言，你甚至沒有那麼多時間在工作之餘與家人相處，花在自己感興趣的事情上。

A year from now, would you be happier with the promotion and the more money that came with it, despite the drawbacks, or in preserving what you have now and instead leaving the money on the table?

一年後，你是更樂意接受升職和隨之而來的更多收入（儘管有種種弊端），還是更樂意保留現有的一切，而把錢留在桌上？

This is obviously more generalised and there's different things to consider depending on where you are in your career, time horizon.

這顯然比較籠統，根據您的職業生涯和時間跨度，需要考慮不同的事情。

But my point is that it's very tempting to maximise every opportunity and not leave money on the table or feel guilty about it, when maybe the value of not doing it might be worth more.

但我想說的是，最大限度地利用每一個機會，不把錢留在桌子上或為此感到內疚是非常誘人的，而不這樣做的價值可能更大。

So I try to approach decisions that I make with my own assigned value framework.

是以，我嘗試用自己指定的價值框架來做決定。

So the first layer is, will the extra money I make from saying yes to doing this thing impact my happiness levels in a positive or a negative way?

所以，第一層是，我答應做這件事所多賺的錢會以積極還是消極的方式影響我的幸福水準？

If no, it doesn't make a difference, then go for it.

Take on the opportunity and you'll probably be happy you did it years from now when that extra money buys you freedom or happiness or something else that you need.

抓住機會，多年以後，當這些額外的錢為你換來自由、幸福或其他你需要的東西時，你可能會為自己這樣做而感到高興。

If the answer is yes, it will make a difference and it'll make a difference in a positive way and I'll be happier through doing it, then yeah, take on that opportunity.

如果答案是 "是"，它會帶來改變，而且是積極的改變，我會是以而更快樂，那就抓住這個機會吧。

If however, the answer is yes, it will make a difference, but the pursuit of doing this thing and the extra money will be at the cost of my emotional and mental wellbeing and my happiness levels are there for a trade-off, then comes through another layer, which is what's worth more to you?

然而，如果答案是肯定的，它會帶來不同，但追求做這件事和額外的錢將會以我的情感和精神健康為代價，我的幸福水準是需要權衡的，那麼就會有另一層含義，那就是什麼對你來說更有價值？

The money or the assigned mental and emotional cost of doing the thing that's in relation to earning that amount.

與賺取該金額相關的金錢或指定的精神和情感成本。

No one can assign a value on your emotional or mental wellbeing better than you can.

沒有人比你更能為自己的情緒或精神健康定價。

So it's not something that you need to justify to anyone else.

所以，這不是你需要向別人證明的事情。

And I now use this framework to make sure that I'm not just chasing something just because.

現在，我利用這個框架來確保自己不會因為某些事情而盲目追求。

By doing this, you don't feel the need or feel guilty about leaving money on the table or feeling the need to squeeze the most out of every opportunity, which comes with a lot of other costs that we don't necessarily look at.

這樣做，你就不會因為把錢留在桌子上而感到有必要或有負罪感，也不會覺得有必要從每一個機會中榨取最大的利益，因為這還會帶來很多我們不一定會關注的其他成本。

Something that has been worth the value is CleanMyMac, which I've been using for nearly three years now.

CleanMyMac 是一款物有所值的軟件，我已經用了近三年。

I've tried a lot of Mac cleaning apps and this has been by far the best and they are doing a 30% off Black Friday sale right now.

我試過很多 Mac 清潔應用程序，這是迄今為止最好的，而且他們現在正在進行黑色星期五 7 折促銷。

In less than two minutes, it scans and cleans up your Mac in a few clicks.

只需點擊幾下，它就能在不到兩分鐘的時間內掃描並清理 Mac。

It removes any malware and every time I use that, I see a noticeable difference in the speed and the functionality of my Mac.

它可以清除任何惡意軟件，每次使用後，我都會發現 Mac 的運行速度和功能有了明顯的提升。

My favorite feature is their dashboard, which gives me a quick overview on every aspect of my Mac's performance, from the battery temperature to the internet connection.

我最喜歡的功能是他們的儀表盤，它能讓我快速瞭解 Mac 性能的方方面面，從電池溫度到網絡連接。

And they've also added a moonlock engine, as they call it, where the malware detection technology can analyze your external drives and your browser extensions.

他們還添加了一個所謂的 "月鎖引擎"，其中的惡意軟件檢測技術可以分析你的外部驅動器和瀏覽器擴展。

I've got the option that includes two Macs and I've left the link to check it out in the description.

我選擇了包含兩臺 Mac 的選項，並在說明中留下了查看鏈接。

Let it scan your laptop, see just how much of a difference it makes.

讓它掃描你的筆記本電腦，看看它能帶來多大的改變。

And if you decide to continue with the paid version, then by using the code Nisha, N-I-S-H-A, you can get 30% off right now through the Black Friday sale.

如果你決定繼續使用付費版本，那麼使用代碼 Nisha（N-I-S-H-A），就可以在黑色星期五促銷期間享受 30% 的折扣。

One of the most important business and money laws I've learned is that there's a delicate balance between effective planning and analysis paralysis.

我學到的最重要的商業和金錢法則之一是，有效規劃和分析癱瘓之間存在著微妙的平衡。

And I've sometimes overstepped into the excessive analysis part and other times I've fallen short of the proper planning part.

我有時會過度分析，有時又沒有做好規劃。

So my sister and I, we created an app a few years ago and it was a networking app centered around those that worked in the city.

幾年前，我和妹妹創建了一個應用程序，這是一個以在城市工作的人為中心的網絡應用程序。

So we spent so much time perfecting it and we spent a lot of money making it the best that it could be.

是以，我們花了很多時間來完善它，我們花了很多錢來使它達到最佳效果。

We thought that the more perfect it could be and the more close it could be to the final product, the better our chance of success and getting buy-in from other organizations and people.

我們認為，它越完美，越接近最終產品，我們成功的機會就越大，也就越能得到其他組織和人員的支持。

Then when we fully launched it, we realized that we were off the mark.

當我們全面啟動它時，我們才意識到我們偏離了目標。

There were a lot of issues that we didn't foresee.

有很多問題是我們沒有預料到的。

There wasn't enough demand and we were competing in a market where there was so much competition.

需求不足，而我們的市場競爭又非常激烈。

And looking back, I would have done it very differently.

現在回想起來，我當時的做法與現在大相徑庭。

Drew Houston, who is the CEO of Dropbox, when he had the idea of Dropbox, he spent only a few months developing a very basic but functional version of Dropbox.

德魯-休斯頓（Drew Houston）是 Dropbox 的首席執行官，當他有了開發 Dropbox 的想法時，他只花了幾個月的時間就開發出了一個非常基礎但實用的 Dropbox 版本。

He just wanted to see firsthand what the reaction of others would be.

他只是想親眼看看其他人會有什麼反應。

So he created a four-minute video, a demonstration showing how it works and then he sent it to potential customers asking them to put in their details and sign up to the waiting list if they were interested in it.

於是，他製作了一個四分鐘的視頻，演示了它是如何工作的，然後他將視頻發送給潛在客戶，請他們輸入自己的詳細信息，如果對它感興趣，就註冊到等候名單中。

That's very different to someone just saying, yes, I'm interested.

這與某人只是說 "是的，我感興趣 "是完全不同的。

Saying yes is easy to do, but signing up and putting your details in, you're asking people to put their money where their mouth is.

說 "好 "很容易做到，但註冊並提供詳細信息，就意味著要求人們把錢花在刀刃上。

And his waiting list exploded to 75,000 people overnight.

他的候選名單一夜之間增加到 75000 人。

While planning and perfection has its place, the most crucial thing you can do for a new product or new business is to get it into the user's hands as soon as possible.

規劃和完善固然重要，但對於新產品或新業務來說，最重要的是儘快將其交到用戶手中。

And in this case, there was tangible proof.

在這種情況下，就有了切實的證據。

I learned that it doesn't need to start as a masterpiece.

我明白了，不一定非要以傑作的形式開始。

It just needs to be put into the hands of users to test the hypothesis and then adapt based on real unfiltered user feedback.

它只需要交由用戶來測試假設，然後根據未經過濾的真實用戶反饋進行調整。

The true validation isn't from theoretical success or from a completed product in this case, but from actual user engagement.

在這種情況下，真正的驗證不是來自理論上的成功，也不是來自已完成的產品，而是來自實際的用戶參與。

Number three, do the hard and risky things early in life.

第三，在人生的早期就做艱苦而冒險的事情。

You can see this is a random mix of my favorite three laws.

你可以看到，這是我最喜歡的三條法律的隨機組合。

This is one I'm putting in because I failed to learn it early, but then I went on to the opposite end of the spectrum and really understood it by my late 20s.

我之所以把它放進去，是因為我很早就沒學會，但後來我又反其道而行之，在 20 多歲時才真正理解了它。

And I'm so thankful I did, because if I didn't push through the hardships and take a level of risk, this would have been one of my biggest fails of my life.

我非常感謝自己做到了這一點，因為如果我沒有克服困難，沒有承擔一定的風險，這將會是我人生中最大的失敗之一。

I'm talking about taking great risks in my 20s. 20s and even 30s are the time to do it.

我說的是在 20 多歲時冒很大的風險。20 多歲，甚至 30 多歲，正是這樣做的時候。

When I don't have responsibilities, no one's relying on me, I can work stupid hours, which I did in my day job, and then go home and keep working on my businesses and trying to push and make it work.

當我沒有責任，沒有人依賴我的時候，我可以傻傻地工作，我白天的工作就是這樣，然後回家繼續做我的生意，努力推動並讓它成功。

I'm so grateful that we set up that app and it failed and we lost some time and some money, but I learned so many mistakes from it.

我非常感謝我們建立了那個應用程序，雖然它失敗了，我們損失了一些時間和金錢，但我從中學到了很多錯誤。

I'm so glad that I've set up other businesses and they failed, but because I realized that I'm not good at it, I can't excel at it, or I wasn't interested.

我很高興，我也曾創辦過其他企業，但都失敗了，這是因為我意識到我不擅長，我不能出類拔萃，或者我不感興趣。

But I'm so thankful that I started this YouTube channel and lost my dignity and embarrassed myself in the early stages.

但我非常感謝自己創辦了這個 YouTube 頻道，並在初期失去了尊嚴，讓自己難堪。

I can't even watch my first few videos back, but I've kept them up because it shows the time when I was pushing through awkwardly in my living room and it gave me the skills to keep getting better.

我甚至不能回看我最初的幾個視頻，但我一直保留著它們，因為它們展示了我在客廳裡笨拙地突破的時光，它給了我不斷進步的技能。

I know that I don't want to be hustling like I am right now for the rest of my life.

我知道，我不想一輩子都像現在這樣忙忙碌碌。

I want to do the hard and the risky things now and then plan to be chilling someday.

我現在就想做艱苦和冒險的事情，然後計劃著有一天會變得冷酷無情。

That's not to say I'm not enjoying the journey, going back to that framework that we spoke about earlier.

這並不是說我不喜歡這段旅程，回到我們之前談到的框架。

It's well worth it, but it is to say that thinking of putting in the hard work now makes life so much easier.

這是非常值得的，但這是說，現在想到要付出艱苦的努力，生活就會變得容易得多。

So those are, at the moment, my top three business and money laws that I wish I knew earlier on.

以上就是我目前最希望早點知道的三大商業和金錢法則。

Let me know if any of them are surprising or new to you.

如果其中有讓您感到驚訝或新奇的內容，請告訴我。

If you disagree with any, I'd love to hear from you.

如果您有不同意見，我很樂意聽取您的意見。

I'm going to take some time to re-energize, strategize, look at things with a fresh pair of eyes and come back with some better stories and better content.

我要花一些時間重新振作起來，制定戰略，用全新的眼光看待問題，然後帶著更好的故事和內容回來。

If you have anything that you want to see specifically, let me know and I'll make those videos around that.

如果你們有特別想看的內容，請告訴我，我會圍繞這些內容製作視頻。

I'll see you in a few weeks so we can close out this year together.

幾周後再見，我們一起為今年畫上圓滿的句號。

 As always, thank you for watching and here are some of my other videos to binge and watch in the meantime.

一如既往，感謝您的收看，下面是我的其他一些視頻，在此期間您可以盡情觀看。

字幕列表影片播放

我希望在 20 多歲時學會的 3 個理財習慣 (3 Money Habits I Wish I Learned In My 20s)

struggle

scenario

mental

opportunity