I'm revealing the 75-10-15 rule that will allow you to build wealth regardless of how much you earn.

我將揭示 75-10-15 規則，無論你賺多少錢，它都能讓你積累財富。

It's a system that adapts to your income level, whether you earn 10,000 or a million dollars a year.

無論你的年收入是 1 萬美元還是 100 萬美元，這個系統都能適應你的收入水平。

Because no matter how much you earn, you're always gonna follow these three steps.

因為無論你賺多少錢，你都要遵循這三個步驟。

First, for every dollar that you earn, 75% or 75 cents of it will be the maximum amount you can use to spend to buy things.

首先，你賺到的每一美元中，75% 或 75 美分是你可以用來購買東西的最高金額。

Housing, food, vacations, Mr. Magic Lamps.

住房、食物、假期、神燈先生。

If you can spend less than 75% of your income, that's fantastic.

如果你的支出能低於收入的 75%，那就太好了。

But the beauty of the 75% limit is it gives you flexibility and encourages you to do two key things.

但 75% 上限的好處在於，它給了你靈活性，並鼓勵你做兩件關鍵的事情。

First, it forces you to look for cheaper alternatives.

首先，它迫使你尋找更便宜的替代品。

Premium gas or regular, organic free-range guacamole or regular, whole foods or Aldi's.

高級汽油還是普通汽油，有機土鱷梨醬還是普通鱷梨醬，全食品還是阿爾迪。

So most of the wealthy people that I know share this common trait, which is what I noticed after starting my own business and networking with other entrepreneurs, which honestly is a big deal for me because I'm naturally an introvert.

是以，我所認識的大多數富人都有這個共同特點，這也是我在自己創業並與其他企業家建立聯繫後注意到的，老實說，這對我來說是件大事，因為我天生內向。

But the most unexpected and revealing moment was when a bunch of us went out for dinner after an event and everyone was asking the waiter for happy hour specials and the cheapest wine they had.

但最出乎意料、最有啟發的時刻是，在一次活動結束後，我們一群人出去吃飯，每個人都在向服務員打聽歡樂時光的特價酒和最便宜的酒。

And I kid you not, when the bill came, people literally pulled out their phones to calculate how to evenly split the bill so everyone only paid for exactly what they had down to the last cent.

我開玩笑說，當賬單出來時，大家都掏出手機計算如何平分賬單，這樣每個人都只需支付自己的錢，精確到最後一分錢。

And keep in mind, these people were all millionaires.

記住，這些人都是百萬富翁。

Next, the 75 limit forces you to focus on value.

其次，75 美元的限額迫使你關注價值。

You've probably heard countless times before to stop buying coffee and instead save and invest that money.

你可能已經聽過無數次不要再買咖啡了，而是把錢存起來投資。

But I believe that's the wrong way to look at it.

但我認為這種看法是錯誤的。

Instead, before you make any purchase, you should ask yourself, how much do you value the thing that you're buying?

相反，在購買任何東西之前，你都應該問問自己，你對要買的東西有多看重？

If that $5 iced coffee makes you the happiest person in the world, makes you more productive, social, and reduces your stress for the rest of the day, then chances are the value you get from that cup of coffee is way more than the $5 it costs.

如果這杯 5 美元的冰咖啡能讓你成為世界上最快樂的人，讓你提高工作效率、社交能力，並減輕一天的壓力，那麼你從這杯咖啡中獲得的價值很可能遠遠超過它的 5 美元。

So go get it.

那就去買吧。

Instead of grasping at the little purchases and attempting to save money, it's more effective to focus on the bigger expenses, a brand new car, 100-inch TV, or a cheese dispenser.

與其加快腳步購買小東西並試圖省錢，不如把精力放在更大的開支上，比如一輛全新的汽車、100 英寸的電視機或奶酪分配器。

The thing with big purchases is they'll make you happy for a temporary amount of time.

購買大件商品的好處在於，它們會讓你暫時感到快樂。

But after that initial honeymoon period ends, your happiness level is right back where it started.

但在最初的蜜月期結束後，你的幸福指數又回到了起點。

Then that 70K car just becomes a regular old car with the same functionality as every other car.

然後，這輛價值 7 萬的汽車就變成了一輛普通的舊車，功能與其他汽車一樣。

So if you manage to spend less than 75% of your income, like you only spend 60% of it, then I need you to hold on to that 15% difference because I'm gonna show you what you need to do with it in a bit.

是以，如果你的支出低於收入的 75%，比如你只花了收入的 60%，那麼我需要你保管好那 15%的差額，因為我馬上就會告訴你該如何處理它。

Next, the 10 in the 75-10-15 rule says that for every dollar you earn, you should save at least 10% or 10 cents of it for this thing called a cushion fund.

其次，75-10-15 規則中的 "10 "說的是，你每賺到 1 美元，就應該至少存下 10%或 10 美分，作為緩衝基金。

A 2022 study found that as much as 56% of Americans can't afford an unexpected $1,000 expense.

2022 年的一項研究發現，多達 56% 的美國人無法承擔 1000 美元的意外支出。

Think of your cushion fund as a cash reserve that's specifically set aside for financial emergencies.

將您的緩衝基金視為專門用於財務應急的現金儲備。

And emergencies don't include a wild night out, vacations, or fried chicken cravings.

緊急情況並不包括狂野的夜晚、度假或對炸雞的渴望。

This money should only be used when pretty much all hell breaks loose, when your house gets flooded, when you get stranded in the middle of nowhere and have no other options, basically when your life is fubar.

這筆錢只能在以下情況下使用：萬劫不復；房子被淹；被困在荒郊野外，別無他法；基本上就是生活一團糟。

So about eight years ago,

大約八年前

I got into a really, really bad car accident that pretty much destroyed the front of my car.

我遭遇了一場非常非常嚴重的車禍，車頭幾乎被撞毀。

I was in a completely different state and I didn't know anyone, but the mechanic said that it was gonna cost about $15,000 to fix.

我當時在一個完全不同的州，也不認識任何人，但機械師說修車大約要花費 1.5 萬美元。

And I was really stressed out because I had no idea how I was gonna come up with this kind of money.

我當時真的很緊張，因為我不知道該如何籌到這筆錢。

I even considered taking on a loan, even though I knew that the interest for it would easily cost way more than that amount of money.

我甚至考慮過貸款，儘管我知道貸款的利息很容易就會遠遠超過這筆錢。

But then I remembered that I had my cushion fund saved for emergencies just like this.

但後來我想起來，我的緩衝基金就是為這樣的緊急情況準備的。

The good news is determining how much you actually need in your cushion fund is simple.

好消息是，確定您的緩衝基金實際需要的金額非常簡單。

Open up a spreadsheet and take account of all your monthly expenses.

打開電子表格，計算每月的所有開支。

Rent, pineapple pizza, bills, multiply this total by five.

房租、菠蘿披薩、賬單，總和乘以 5。

If your monthly expenses are $2,000, you generally wanna save for five months of expenses.

如果您的月支出為 2,000 美元，那麼您一般需要儲蓄 5 個月的支出。

So your cushion fund is $10,000.

所以你的緩衝基金是 10,000 美元。

Once you have your total, you need to commit to saving this amount.

一旦算出總數，您就需要承諾存下這筆錢。

I built this savings goal tracker to help me save money a lot faster.

我建立了這個儲蓄目標跟蹤器，幫助我更快地存錢。

I just put in how much I wanna save and then I can track my progress and visually see where I'm at.

我只需輸入我想節省的金額，然後就可以跟蹤我的進度，直觀地看到我的進展情況。

For a limited time,

限時搶購、

I'm giving away my ultimate savings goal tracker for free with the link below.

我將通過下面的鏈接免費贈送我的終極儲蓄目標跟蹤器。

But what's even more important is where you store your cushion fund.

但更重要的是，你把緩衝基金存放在哪裡。

While most people keep their savings in a traditional savings account like Chase or Bank of America, there are much better places called high yield savings accounts or HYSAs because they give you much higher interest rates which allow you to grow your money a lot faster.

雖然大多數人都將儲蓄存入傳統的儲蓄賬戶，如大通銀行或美國銀行，但也有更好的儲蓄賬戶，稱為高收益儲蓄賬戶或 HYSA，因為它們能為您提供更高的利率，讓您的資金增長得更快。

With traditional savings accounts like Chase, the national interest rate is 0.5% APY.

大通銀行等傳統儲蓄賬戶的全國年利率為 0.5%。

Meaning if you put $10,000 in the account, at the end of the year, the bank is just gonna give you $57 in interest, leaving you with $10,057.

也就是說，如果你在賬戶裡存入 10,000 美元，到了年底，銀行只會給你 57 美元的利息，剩下的就是 10,057 美元。

On the other hand, a high yield savings account can offer you 4% APY.

另一方面，高收益儲蓄賬戶可以為您提供 4% 的年利率。

Meaning at the end of the year, they'll give you $400 in interest, leaving you with $10,400.

也就是說，到了年底，他們會給你 400 美元的利息，讓你剩下 10 400 美元。

I'll leave some high yield savings accounts you can check out below.

下面我將為您介紹一些高收益儲蓄賬戶。

But an even bigger problem is most people don't know when to stop saving money.

但更大的問題是，大多數人不知道什麼時候該停止存錢。

The reality is you don't always wanna just save your money forever.

現實情況是，你並不總是想永遠把錢存起來。

Once you have your five months worth of cushion fund, stop saving and just hold on to that 10% amount you were gonna save and I'll show you what you need to do with it next.

一旦你有了 5 個月的緩衝基金，就不要再存了，只要留著你要存的那 10%，我會告訴你下一步該怎麼做。

The 15 in the 75-10-15 rule says that for every dollar you earn, you should invest at least 15% or 15 cents of it for your future.

75-10-15法則中的15指的是，你賺到的每一美元，都應該為你的未來投資至少15%或15美分。

And there are two specific accounts you should start investing with to optimize your taxes.

您應該從兩個特定賬戶開始投資，以優化您的稅收。

You basically wanna funnel any extra funds that you have into this particular step because the whole point of the 15% rule is to put your money to work so you can build assets and wealth because real wealth is built by owning assets.

基本上，你要把所有多餘的資金都投入到這一特定步驟中，因為 15%法則的全部意義就在於把你的錢用在刀刃上，這樣你就能積累資產和財富，因為真正的財富是通過擁有資產積累起來的。

The problem is we were only taught how to make money from our work and labor.

問題是，我們只學會瞭如何通過工作和勞動賺錢。

That's pretty much what school teaches us.

這差不多就是學校教我們的。

How can you get a high paying job?

如何獲得高薪工作？

But the wealthiest people in this country don't make their money from their job.

但這個國家最富有的人並不是靠工作賺錢的。

They make their money from their assets.

他們靠資產賺錢。

And after reading Rich Dad Poor Dad by Robert Kiyosaki,

在讀了羅伯特-清崎的《富爸爸窮爸爸》之後、

I realized that you can be completely broke with a high paying job.

我意識到，高薪工作也會讓你一貧如洗。

But if you have assets, you can spend all your money today and still be wealthy next month.

但是，如果你有資產，你可以今天花光所有的錢，下個月仍然富裕。

But unfortunately, like many people,

但不幸的是，和許多人一樣、

I never learned this in school nor did our parents teach us this.

我在學校裡沒學過這個，我們的父母也沒教過我們。

I pretty much had to go out of my way to learn this from reading and studying finance with books like Psychology of Money and The Intelligent Investor.

我幾乎是通過閱讀和研究《金錢心理學》和《聰明的投資者》等金融書籍才學會這一點的。

But this is one of those things that once you learn it, you can never unlearn it.

但是，這種東西一旦學會了，就再也學不會了。

But if you don't learn it, you might never learn it.

但如果你不學，可能永遠也學不會。

And if you don't learn it, you're never gonna be able to build true wealth.

如果你不學，就永遠無法積累真正的財富。

There are two specific investment accounts you should start investing with because of major tax advantages.

有兩個特定的投資賬戶具有重大的稅收優惠，您應該從這兩個賬戶開始投資。

First is the Roth IRA, which is an individual retirement account.

首先是羅斯個人退休賬戶，這是一種個人退休賬戶。

The main advantage of having a Roth IRA is that your earnings and profits grow tax free.

羅斯個人退休賬戶的主要優勢在於，您的收入和利潤增長都是免稅的。

That means when you retire and withdraw their earnings, you won't pay any taxes on it at all.

這意味著，當您退休並提取其收益時，您根本不用繳納任何稅款。

For instance, Peter Thiel famously grew his Roth IRA account to $5 billion.

例如，彼得-蒂爾（Peter Thiel）的羅斯退休儲蓄賬戶增長到了 50 億美元，這是很有名的。

And what's wild is that when he decides to withdraw from it, he's gonna pay $0 in taxes on it.

更瘋狂的是，當他決定從中撤出時，他將為此支付 0 美元的稅款。

The caveat is that you can only contribute money that has already been taxed, meaning after you received your paycheck.

需要注意的是，您只能捐出已納稅的錢，即您收到工資後的錢。

And the Roth IRA benefit is so great that the government limits how much you can contribute to it.

羅斯個人退休賬戶的好處是如此之多，以至於政府限制了您的繳款額度。

In 2024, if you're under the age of 50, you can only contribute $7,000 a year into a Roth IRA.

2024 年，如果您的年齡在 50 歲以下，您每年只能向羅斯退休帳戶繳納 7000 美元。

And if you're over the age of 50, you can contribute $8,000 a year.

如果您的年齡超過 50 歲，每年可繳費 8,000 美元。

It's a pretty straightforward four-step process to both open and contribute to a Roth IRA.

開設羅斯個人退休帳戶並向其繳款的四個步驟非常簡單。

First, you need to have what's called earned income, meaning that you need to get your income working for someone else, yourself, or a business that you own.

首先，您需要有所謂的 "勞動所得"，也就是說，您需要通過為他人、自己或自己擁有的企業工作來獲得收入。

Second, you wanna go to any brokerage website like Fidelity, Schwab, or Vanguard, and select the option to open a Roth IRA account.

其次，您可以訪問任何經紀網站，如富達（Fidelity）、施瓦布（Schwab）或先鋒（Vanguard），然後選擇開設羅斯退休儲蓄賬戶。

Third, once you have your account open, you wanna transfer money from your regular bank account to your Roth IRA account.

第三，賬戶開立後，您可以從普通銀行賬戶向羅斯退休帳戶轉賬。

Fourth, and please make sure you pay attention because many people completely miss this step and wonder why their Roth IRA account hasn't grown in 20 years.

第四，請務必注意，因為很多人完全錯過了這一步，不知道為什麼他們的羅斯退休帳戶 20 年來沒有增長。

And it's because you actually need to purchase some investments in the account.

這是因為您實際上需要在賬戶中購買一些投資品。

Don't worry about what you should invest in.

不用擔心該投資什麼。

I'm gonna share my favorite investments later where I can basically just set it and forget it.

我稍後會與大家分享我最喜歡的投資方式，基本上只要設置好就可以不用管它了。

The second account you should invest with is the 401k, which is an employer-sponsored account, meaning you can only have a 401k account if you work for an employer that offers it.

您應該投資的第二個賬戶是 401k 賬戶，這是一個由僱主贊助的賬戶，也就是說，您只有為提供 401k 賬戶的僱主工作，才能擁有 401k 賬戶。

But thankfully, many companies do.

但值得慶幸的是，許多公司都這樣做了。

Unlike a Roth IRA, all your contributions to the 401k is made with pre-tax dollars, meaning you'll pay taxes on the money later.

與羅斯個人退休帳戶不同，您向 401k 的所有繳款都是稅前資金，這意味著您以後要為這筆錢繳稅。

The idea is many people's income will be lower when they retire, so people are expecting to pay a smaller amount of taxes on the money in the future compared to now.

其原理是，許多人退休後收入會降低，是以他們希望將來繳納的稅款比現在少。

You basically assign a portion of your paycheck to be contributed to the 401k, and this account has a much higher contribution limit of $23,000 per year as of 2024.

您基本上是將工資的一部分存入 401k 賬戶，這個賬戶的繳款限額要高得多，從 2024 年起，每年的繳款限額為 23,000 美元。

One of the biggest advantages of the 401k is that many employers offer an additional benefit where they match your contribution, basically meaning they give you free money.

401k 最大的優勢之一是，許多僱主會提供額外的福利，即他們會匹配你的繳款，這基本上意味著他們會給你免費的錢。

The most common employer 401k match is a 100% match for the first 3% you contribute with a 50% match for the next 2%.

最常見的 401k 僱主配比是，您繳費的前 3% 100%配比，後 2% 50%配比。

It sounds really confusing, but basically if your salary is $65,000 and you maximize your contributions up to the employer's match, you will contribute 5% or $3,250 in a year.

這聽起來非常令人困惑，但基本上，如果您的工資是 65,000 美元，並且您的繳款額度達到了僱主的匹配額度，那麼您一年的繳款額度為 5%，即 3,250 美元。

And in return, your employer would immediately match and give you another $2,600 for free, no questions asked.

作為回報，你的僱主會立即匹配並免費再給你 2,600 美元，沒有任何問題。

Totaling $5,850 in your 401k.

您的 401k 中總共有 5,850 美元。

And again, it's basically like free money for you and your retirement in the future.

再說一遍，這對你和你將來的退休生活來說，基本上就是一筆免費的錢。

So if your employer offers this, this is an absolute no-brainer.

是以，如果您的僱主提供這種服務，這是絕對不二之選。

So after you have either one of these or both of these retirement accounts, you need to figure out where to invest your money.

是以，在您擁有其中一個或兩個退休賬戶後，您需要想清楚該把錢投到哪裡。

And before I tell you what I personally invest in, here's a practical reason that the wealthy invest in assets.

在我告訴你我個人投資什麼之前，先告訴你富人投資資產的一個實際原因。

If you invest just $100 every month for 50 years at a rate of return of 10%, at the end of the 50 years, you would have only contributed about $60,000.

如果您在 50 年裡每月只投資 100 美元，回報率為 10%，那麼在 50 年結束時，您只貢獻了約 60,000 美元。

But from overtime in the stock market and returns, your total portfolio value will be $1.4 million.

但從股票市場的超時收益來看，您的投資組合總價值將達到 140 萬美元。

Also, Moomoo, the investment app that I personally use is giving away five free stocks valued up to $10,000 if you open a new account and deposit $100 with my link below.

此外，我個人使用的投資應用程序 Moomoo 將免費贈送價值高達 10,000 美元的五支股票，只要您通過我下面的鏈接開立新賬戶並存入 100 美元即可。

Anyways, for most people, investing in an index fund or ETF is all that you really need to do.

總之，對大多數人來說，投資指數基金或 ETF 就是你真正需要做的。

Basically, instead of investing in one stock that can either go up or down, with an index fund or ETF, you actually invest in hundreds of different stocks.

從根本上說，指數基金或 ETF 投資的不是一隻可漲可跌的股票，而是數百隻不同的股票。

You automatically diversify your money and reduce your overall risk, meaning you can pretty much just set it up and forget it.

您可以自動分散資金，降低總體風險，這意味著您幾乎只需設置一下就可以了。

For example, if you were to buy an S&P 500 index fund, by buying that one fund, you would own a small percentage of every single stock in the S&P 500, thus you track the entire index.

例如，如果您購買標準普爾 500 指數基金，通過購買該基金，您將擁有標準普爾 500 指數中每隻股票的一小部分，從而跟蹤整個指數。

That would automatically provide you with diversification because your investment is now spread across the top 500 companies in the US.

這將自動為您提供分散投資的機會，因為您的投資現已分散到美國前 500 強公司。

And by buying an index fund, it's actually a lot cheaper than buying into each of these 500 companies individually on their own.

而購買指數基金，實際上要比單獨購買這 500 家公司中的每一家便宜得多。

Index funds are usually a great safe bet in retirement account because based on the average over the course of the past 80 years, index funds have been proven to return about 8% a year.

在退休賬戶中，指數基金通常是一個非常安全的選擇，因為根據過去 80 年的平均水平，指數基金的年回報率已被證明約為 8%。

Some years are naturally gonna be higher than others, but on average, you can expect your money to grow and compound over time.

有些年份自然會比其他年份高，但平均而言，你可以期待你的錢隨著時間的推移而增長和複利。

So with most of my money,

我的大部分錢也是如此、

I invest in passively managed index funds like FXAIX or VOO because it's easy and really straightforward, but you can invest in whatever you like.

我投資 FXAIX 或 VOO 等被動管理型指數基金，因為這既簡單又直接，但你也可以投資任何你喜歡的基金。

There are a ton of ETFs and index funds out there.

市場上有大量的 ETF 和指數基金。

And if the funds that I choose aren't available in your 401k, you can just look for another type of index fund that invest in a lot of companies in the US and you should be pretty golden for the most part.

如果您的 401k 中沒有我選擇的基金，您只需尋找其他類型的指數基金，這些基金投資於美國的許多公司，在大多數情況下，您應該會很滿意。

Which leads me to something that you've got to start accepting.

這讓我想到你必須開始接受的一件事。

And it's that even if you're trying your hardest to be better with money, sometimes you might still feel like you're not doing enough.

而且，即使你竭盡全力在金錢方面做得更好，有時你可能還是會覺得自己做得不夠。

And that might be because you don't know the 10 things you should never waste your money on.

這可能是因為你不知道千萬不能浪費錢的 10 件事。

Click here to learn the 10 things you need to stop buying immediately.

單擊此處瞭解您需要立即停止購買的 10 件物品。