I work, actually.

事實上，我在工作。

So I co-founded the startup.

於是，我共同創辦了這家初創公司。

It's called Secure My Scholarship.

它叫做 "確保我的獎學金"。

It's an edtech platform that connects students with scholarships at universities around the world.

這是一個教育技術平臺，將學生與世界各地大學的獎學金聯繫起來。

So I work full time, longer than full time, if you may say.

是以，我全職工作，如果可以這麼說的話，比全職工作時間還長。

What do you love about your job?

您喜歡您的工作哪一點？

I love the impact that we create, man.

我喜歡我們創造的影響力，夥計。

So we give, you know, students that come from hardworking middle class families or working class families a chance at going to the university of their dreams.

是以，我們為來自勤勞的中產階級家庭或工薪階層家庭的學生提供了進入理想大學的機會。

And personally, I love that about what we do.

就我個人而言，我喜歡我們的工作。

Did you always want to do that job?

你一直想做這份工作嗎？

This specifically?

具體是指？

No. But have I always wanted to work in something that would allow me to create an impact?

沒有，但我一直想從事能讓我產生影響的工作嗎？

Yes. Everything I've ever done in my life has been around companies with impact or with social causes.

是的。我一生所做的一切，都是圍繞著有影響力的公司或社會事業。

And somebody once asked me if I wasn't with Secure My Scholarship, what would you do?

有人曾問我，如果我不在 "確保我的獎學金"，你會做什麼？

And I said I'd work at a nonprofit.

我說我會在非營利機構工作。

Is there anything that you dislike about your job?

您不喜歡自己的工作嗎？

Me personally, no.

就我個人而言，沒有。

But if you ask my fiance, she will tell you that my job takes up a lot of my time.

但如果你問我的未婚妻，她會告訴你我的工作佔用了我很多時間。

And I think she hates that about my job.

我覺得她很討厭我的工作。

Would you like to do any other job in the future?

您今後還想從事其他工作嗎？

I got my hands full with Secure My Scholarship right now.

我現在正忙著 "確保我的獎學金"。

But in the future, who knows?

但將來，誰知道呢？

You know, I mean, I love solving problems and helping make people's lives better.

你知道，我的意思是，我喜歡解決問題，幫助人們改善生活。

And the world has a lot of issues.

這個世界有很多問題。

So, you know, who knows?

所以，誰知道呢？

Now let's talk about mobile phones.

現在我們來談談手機。

How often do you use your mobile phone?

您多久使用一次手機？

Oh, I use my mobile phone every day.

哦，我每天都用手機。

The company basically runs off my mobile phone.

公司基本上靠我的手機運行。

What are some of your favorite apps?

您最喜歡哪些應用程序？

I use LinkedIn a lot.

我經常使用 LinkedIn。

I use a productivity tool called Asana.

我使用一款名為 Asana 的生產力工具。

It allows me to track my tasks and manage my day.

它讓我能夠跟蹤我的任務，管理我的一天。

I use Slack a lot.

我經常使用 Slack。

Internal team communication.

團隊內部交流。

WhatsApp, obviously.

顯然是 WhatsApp。

I mean, everybody uses WhatsApp.

我的意思是，每個人都在使用 WhatsApp。

And yeah, a couple of apps.

對了，還有幾個應用程序。

Not that many.

沒那麼多。

I'm not one of those guys with 1,500 apps on their phone.

我不是那種手機上有 1500 個應用程序的人。

I have about eight or nine apps that I use.

我使用的應用程序大約有八九個。

Do you think that you use your phone too much sometimes?

您是否認為自己有時會過度使用手機？

Yes.

是的。

You know, it's funny that you ask that.

你知道嗎，你這麼問很有意思。

Before Secure My Scholarship, myself and the same founding team, we actually founded a startup called Lock & Stock.

在 "確保我的獎學金 "之前，我和我的創始團隊實際上創建了一家名為 "Lock & Stock "的初創公司。

It was a mobile app that basically rewarded you with offers and discounts for not using your phone when you were in class.

這是一個手機應用程序，基本上可以為上課時不使用手機的人提供優惠和折扣。

We wanted to kind of help students pay attention more in class, learn better, do better in their studies.

我們希望幫助學生在課堂上更加專心，學得更好，做得更好。

And then when they were done, they could buy one, get one free at the pizza place or something like that.

吃完後，他們可以在披薩店或類似的地方買一送一。

So, yeah.

所以，是的。

Now let's talk about your school.

現在我們來談談你們的學校。

Did you enjoy school?

你喜歡上學嗎？

That is a tough question.

這個問題很難回答。

When I was in school, I hated it.

我上學的時候，就很討厭學校。

But I think the beauty with school is that the later in life you go, the more you begin to appreciate the school that you went to.

但我認為，學校的美妙之處在於，你越到晚年，就越會開始感激你上過的學校。

Who was your favorite teacher?

你最喜歡的老師是誰？

My favorite teacher?

我最喜歡的老師？

My favorite teacher was a woman named Mrs. Mallika Menon.

我最喜歡的老師是一位名叫瑪莉卡-梅農（Mallika Menon）的女士。

She was my math teacher in grades 10 and 11.

她是我 10 年級和 11 年級的數學老師。

And I really liked her classes and I really enjoyed them.

我非常喜歡她的課，也非常享受。

And what specifically did you dislike about school?

你不喜歡學校的哪些方面？

I went to a school that made academic performance very, very important.

我就讀的學校非常重視學習成績。

Everything revolved around, okay, do better.

一切都圍繞著 "好吧，做得更好"。

You gotta do better, your grades, all of that stuff.

你必須做得更好，你的成績，所有這些東西。

Much to the neglect of maybe extracurriculars or sports,

也許課外活動或體育運動都被忽略了、

I played cricket and football in high school.

我在高中時打過板球和足球。

And I remember we wouldn't have any training practices, any practice matches.

我記得我們沒有任何訓練，沒有任何比賽練習。

We wouldn't go to any tournaments or we'd go to very few tournaments.

我們不會參加任何比賽，或者很少參加比賽。

And I didn't particularly like that when I was in school.

我上學的時候並不特別喜歡這樣。

The focus on academics and not really on other stuff.

只注重學業，不注重其他方面。

Describe a period of time from your studies that was difficult.

描述你學習過程中的一段困難時期。

I'd say the hardest time during my studies that was difficult was when I was in university,

在我的學習生涯中，我覺得最困難的時候是上大學的時候、

I think second or third year university.

我想是大學二年級或三年級。

To go to the university that I went to, it required a lot of effort.

要上我上過的大學，需要付出很多努力。

I think my parents really saved to send me to university and I had to get a bunch of scholarships and all of that stuff.

我想我的父母為了送我上大學真的是省吃儉用，我必須拿到一大堆獎學金之類的東西。

I wanted to make the most of it, but I didn't quite know how to do that.

我想充分利用它，但我不知道該怎麼做。

I was majoring in economics, but I also wanted to study this class and this class and this class and all of that stuff and really make the most of my time because I was lucky to be at the university that I went to.

我主修經濟學，但我也想學習這門課、這門課、這門課以及所有這些東西，真正充分利用我的時間，因為我很幸運能進入我就讀的這所大學。

This was perhaps 2015, 2016, second or third year of university.

這也許是 2015 年、2016 年，大學的第二年或第三年。

It was hard because I had only a limited amount of time and to fit all of this stuff in.

這很難，因為我的時間有限，而且要把所有這些東西都塞進去。

But I think through that experience and I came out very well, through that experience I learned,

但我認為，通過那次經歷，我很好地走出來了，通過那次經歷，我學到了東西、

I think I learned time management, just actually breaking down what I wanted to do, how I wanted to do it.

我想我學會了時間管理，學會了分解我想做的事情，學會了如何去做。

I had to schedule out my day and my week very, very, very well and really just make it happen for myself.

我必須非常、非常、非常好地安排我的一天和一週，真正為自己做到這一點。

And that was super difficult, right?

這超級困難，對吧？

Because the school I went to, everything was given to you on a platter.

因為在我就讀的那所學校裡，所有東西都是擺在盤子裡給你的。

These are your classes, this is what you gotta do.

這是你的課程，這是你必須做的。

But at university, I had to basically make my own schedule.

但在大學裡，我基本上得自己安排時間。

And if you were doing a simple major and that was it, then no harm, no foul.

如果你只是做了一個簡單的主修課程，那也沒什麼不好。

That's very clear cut, whatever.

這是非常明確的，無論如何。

When I graduated university,

大學畢業時

I graduated with a major in economics and minors in political science, international relations, mass communication and business administration.

我畢業時主修經濟學，輔修政治學、國際關係、大眾傳播和工商管理。

I would have had another minor in finance as well.

我還輔修了金融專業。

So I had four minors that I graduated with along with my major and I would have had a fifth minor as well.

是以，我畢業時有四個輔修專業和我的主修專業，我還會有第五個輔修專業。

And to make all of this work and just fit it into my schedule, super difficult.

要把這些工作都安排到我的日程表裡，難度可想而知。

But as I said, I was lucky to be at university when I was and I wanted to make the most of my time there.

但正如我所說，我很幸運能在大學裡學習，我想充分利用在大學裡的時光。

So we've been talking about a difficult time you had at university and we're gonna continue to talk about university education and higher education in general.

是以，我們一直在談論你在大學裡度過的一段艱難時光，我們將繼續談論大學教育和高等教育。

Should higher education be free to all citizens?

高等教育是否應該對所有公民免費？

To thank you for watching this video,

感謝您觀看本視頻、

I wanna give you a free course that has helped thousands of students improve their IELTS speaking score.

我想為您提供一門免費課程，它已幫助成千上萬的學生提高了雅思口語成績。

What it's gonna do is take you through every single part of the test and give you strategies for part one, part two and part three and also allow you to practice at home for free and get feedback.

它將帶你瞭解考試的每個部分，為你提供第一、第二和第三部分的考試策略，還允許你在家免費練習並獲得反饋。

To sign up for that for free, all you have to do is just click the link in the description.

要免費註冊，只需點擊描述中的鏈接即可。

Thanks very much and let's get back to the video.

非常感謝，我們繼續看視頻。

In an ideal world, yes, I think.

在理想的世界裡，我想是的。

The cost of quality education today is incredibly expensive and is rising year over year.

如今，優質教育的成本高得驚人，而且還在逐年上漲。

What happens with that is that this phenomenon then prices out so many people from the middle class and the working class who aren't given the same opportunities.

這種現象的後果是，中產階級和工人階級中的許多人是以失去了同樣的機會。

It shouldn't be that, okay, only if you can afford to pay $150,000 a year, you can go to a top 10 business school around the world and succeed in life.

這不應該是說，好吧，只有你能支付得起每年 15 萬美元的學費，你才能進入世界排名前十的商學院，並在生活中取得成功。

I mean, that's not fair.

我是說，這不公平。

It shouldn't have to be that way.

不應該是這樣的。

Through Secure My Scholarship,

通過 "確保我的獎學金"、

I remember there was this one girl two weeks ago who applied for an MBA in the USA and the cost of that MBA was like $65,000, which, I mean, $65,000 is a lot of money and especially when you're earning in rupees in India, that's a hell of a lot of money.

我記得兩週前有個女孩申請了美國的工商管理碩士（MBA）學位，學費大概是 6.5 萬美元，我的意思是，6.5 萬美元是一大筆錢，尤其是當你在印度掙盧比的時候，那就是一大筆錢了。

Now, I mean, what's her solution?

現在，我的意思是，她的解決方案是什麼？

I mean, should she give up on her dreams?

我的意思是，她應該放棄自己的夢想嗎？

Should she not go ahead and do it?

她不應該去做嗎？

I mean, what does she do?

我是說，她是做什麼的？

She applied through our platform.

她是通過我們的平臺申請的。

We helped her get a $25,000 scholarship to bring her fees down from 65,000 to 40,000.

我們幫助她獲得了 2.5 萬美元的獎學金，使她的學費從 6.5 萬美元降至 4 萬美元。

We can't make it free.

我們不能讓它免費。

Unfortunately, we're not the government.

不幸的是，我們不是政府。

We're not God or the government or whatever.

我們不是上帝、政府或其他什麼。

We can't make it free, but we can minimize it as much as we can.

我們無法讓它免費，但我們可以儘可能減少它。

I remember I was on a call with her and just the look of excitement on her face when she got this because she was taking a loan to go do her MBA and we effectively cut her loan by half and that's amazing.

我記得我和她通電話時，她拿到這個時臉上興奮的表情，因為她正在貸款讀 MBA，而我們有效地將她的貸款減少了一半，這太不可思議了。

Should scholarships only be given to gifted children?

獎學金應該只發給天才兒童嗎？

In a world with finite resources, I suppose.

我想，在這個資源有限的世界裡。

I guess this is a tricky question, right?

我想這是個棘手的問題，對嗎？

Because if there are only N number of seats and there's a cost that is Y and whatever, then you have to ensure that students who are,

因為如果只有 N 個座位，而成本是 Y 或其他，那麼你就必須確保那些學生、

I guess, academically talented or talented at a sporting level or an athletic level or whatever are able to get that push that they need because there are only limited seats.

我想，在學術上有天賦的人或在體育或運動方面有天賦的人或其他什麼人都能得到他們所需要的推動力，因為名額有限。

So, you know, if they're not gonna get it, then somebody else is gonna get the seat and they're gonna miss out.

所以，你知道，如果他們得不到，那麼別人就會得到這個席位，他們就會錯過。

So in that scenario, yes, scholarships.

是以，在這種情況下，是的，獎學金。

In this sense, I mean 100% scholarships should be given to gifted children because they've displayed some sort of aptitude or level where they can succeed and they should be given that push, I think.

從這個意義上說，我的意思是，應該向有天賦的孩子提供 100%的獎學金，因為他們已經表現出某種能力或水準，可以取得成功，我認為應該給予他們這種推動力。

Now, who determines how scholarships are given out?

現在，誰來決定如何發放獎學金？

And I know there's a lot of foul play at the university level or, you know, this guy is my cousin's kid, so give him 100% scholarship.

我知道在大學裡有很多犯規的行為，或者，你知道，這傢伙是我表弟的孩子，所以給他100%的獎學金。

It shouldn't be like that.

不應該是這樣的。

There should be an unbiased council that has to vote and decide or however these things are done, but it should be fair.

應該有一個不偏不倚的理事會來投票決定，或者無論如何來做這些事情，但都應該是公平的。

But in a world with limited seats and limited opportunities,

但在這個世界上，座位有限，機會也有限、

I guess, you know, you have to make sure that students who display a level of talent get access to those scholarships, I suppose.

我想，你知道，你必須確保那些展現出一定天賦的學生能夠獲得這些獎學金。

But again, just coming back to the previous question, if every student was allowed to study, that's a much more ideal world, I think.

不過，還是回到上一個問題，如果每個學生都能學習，我想這是一個更加理想的世界。

Some people think that charities should provide gifted children with scholarships and other people think that the government should do it.

有些人認為慈善機構應該為天才兒童提供獎學金，有些人則認為政府應該這樣做。

Who do you think should provide scholarships?

您認為誰應該提供獎學金？

To thank you for making it this far in the video,

感謝你們能在視頻中看到這裡、

I want to give you 10% off our VIP course.

我想給你的 VIP 課程打九折。

IELTS VIP course is the most successful

最成功的雅思 VIP 課程

IELTS course in the world.

全球雅思課程

That is a fact because we have more about seven, eight, and nine success stories than any other IELTS course in the entire world.

這是事實，因為我們比世界上任何其他雅思課程都擁有更多關於 7 分、8 分和 9 分的成功案例。

We do that by simplifying the whole IELTS process, supporting you with some of the best

為此，我們簡化了整個雅思考試流程，為您提供一些最好的支持，包括

IELTS teachers in the world, and being with you every step of the way until you get the score that you need.

世界上最好的雅思教師，與您一起走過每一步，直到您取得理想的成績。

All you have to do is just look down in the description, just click that, and you can sign up.

你只需在描述中往下看，點擊一下，就可以註冊了。

If you have any questions about the VIP course, always feel free to get in touch with us.

如果您對 VIP 課程有任何疑問，請隨時與我們聯繫。

We answer 100% of the questions that we get.

我們對收到的問題進行 100% 的答覆。

Hope that you become a VIP.

希望您成為 VIP。

If not, enjoy the rest of this free video.

如果沒有，請欣賞本免費視頻的其餘部分。

Can I say everyone?

我能說每個人嗎？

I mean, the government, see, it's in the government's best interests to ensure that its best and brightest receive the best education possible because they will then contribute to society.

我的意思是，政府要確保最優秀的人才接受最好的教育，這符合政府的最大利益，因為這樣他們才能為社會做出貢獻。

So it's in the government's best interest to do it.

是以，這樣做符合政府的最大利益。

From a charity or a nonprofit standpoint, 100%.

從慈善機構或非營利組織的角度來看，100%。

I actually, so someone once asked me,

實際上，有人曾經問過我、

I was on like another, someone once asked me, I was having a discussion, and they asked me, you know, Craig, if Secure My Scholarship, you know, just becomes this huge company and you exit someday, you know, what are you gonna do?

有一次，有人問我，我正在進行討論，他們問我，克雷格，如果 "我的安全獎學金 "成為一家巨大的公司，而你有一天會退出，你知道，你打算怎麼辦？

And, you know, my ambition, at least, if I have the resources, my ambition in life is to someday open schools, not university schools, at the primary level or up to the middle school level and make it free just for any student to come and get a great education for free, literally.

而且，你知道，我的理想是，至少，如果我有資源的話，我的人生理想是有朝一日能開辦學校，不是大學，而是小學或國中，讓任何學生都能免費來接受良好的教育，真的是免費。

So that's something that I am passionate about.

所以，這是我熱衷的事情。

That's also why I work 100 hours a week on Secure My Scholarship.

這也是我每週為 "確保我的獎學金 "工作 100 小時的原因。

So, I mean, if there's a charity or a nonprofit that's committed to this cause, then 100%.

所以，我的意思是，如果有慈善機構或非營利組織致力於這項事業，那就100%。

And the third, I guess, stakeholder is the universities themselves.

我想，第三個利益相關者是大學本身。

I mean, let's get one thing straight, right?

我的意思是，讓我們弄清楚一件事，對嗎？

Universities are incredibly wealthy institutions.

大學是非常富有的機構。

You look at not even your top 20 or top 30, you look at your top 200 universities in the US, in the UK, they have billion dollar endowment funds that are invested into, you know, some invested into government bonds or T-bills or whatever it may be.

你甚至可以看看排名前 20 或前 30 的大學，看看美國和英國排名前 200 的大學，它們都擁有數十億美元的捐贈基金，這些基金有的投資於政府債券，有的投資於國庫券，有的則投資於其他任何東西。

There are billions, I think Harvard's endowment fund is 40 billion or 50 billion.

哈佛大學的捐贈基金有 400 億或 500 億。

I mean, don't quote me on that, but it's in that ballpark range.

我的意思是，不要引用我的說法，但它是在這個範圍內。

And that's a lot of money from a university standpoint as well.

從大學的角度來看，這也是一筆不小的開支。

I feel like it should just be a part of their social responsibility to give back to the community that has given them so much.

我覺得這應該是他們社會責任的一部分，回饋給他們這麼多的社區。

That's what I think.

我就是這麼想的。

How will third level education change in the future?

第三級教育未來將如何變化？

I think tertiary education, university education is gonna get more creative.

我認為高等教育、大學教育將更具創造性。

It's already happening as well, but I mean, these like higher education is something that it will never go through like a sudden like shift.

這已經在發生了，但我的意思是，這些像高等教育這樣的東西，永遠不會經歷像突然轉向那樣的轉變。

A lot of people said after COVID, everything will be online, physical campuses are done, whatever.

很多人都說，COVID 之後，一切都將在線化，實體校園也將結束，等等。

And that just wasn't to be.

但事實並非如此。

I mean, even till today, we have students who apply through Secure My Scholarship for on-campus classes and online classes.

我的意思是，直到今天，我們還有學生通過 "確保我的獎學金 "申請校內課程和在線課程。

And 99% of students are applying for on-campus classes.

而 99% 的學生都在申請校內課程。

Online just didn't shake up the industry like everybody predicted.

只是，網絡並沒有像大家預料的那樣撼動整個行業。

But I think the real change is in the mode of education itself.

但我認為，真正的變革在於教育模式本身。

Gone are the days where you have to go to class, take notes, memorize, come back next week and regurgitate that on a test or an exam.

你必須去上課、記筆記、背誦，下週再回來在測驗或考試中重複這些內容的日子已經一去不復返了。

That doesn't work anymore.

這已經行不通了。

You're not training people the right way because today, if you need information, there's Google, there's ChatGPT and probably a lot other resources that can't come to mind right now, but information is available at your fingertips.