So today we're going to talk about five ways that you can make a passive income.

是以，今天我們將討論五種賺取被動收入的方法。

And for each of them, we're going to go over how difficult it is to start, how difficult it is to make $100 per week, and how difficult it is to maintain once it's up and running.

我們將逐一介紹創業的難度、每週賺取 100 美元的難度以及創業成功後的維持難度。

And we're going to see a good amount of variation among these categories as we cover the five.

在我們介紹這五個類別時，我們會看到這些類別之間有很大的差異。

So let's dive in.

那麼，讓我們開始吧。

So what do I mean by passive income?

那麼，我所說的被動收入是什麼意思呢？

Put simply, it's money that is not directly tied to your time.

簡單地說，就是與你的時間不直接掛鉤的錢。

You put the time and or money investment in once in the beginning, and then you put it out into the world for it to generate income without it needing more of your effort.

一開始，你只需投入一次時間和金錢，然後把它推向世界，讓它在不需要你付出更多努力的情況下產生收入。

An example, you write a cookbook with all of your recipes once, and then it can be sold repeatedly forever with little to no additional work from you.

例如，你只需將所有食譜寫入烹飪書一次，然後就可以永遠反覆出售，幾乎不需要你做額外的工作。

Now, I think it's important to clarify that passive income is not this rosy, magical, get rich quick while you sleep thing.

現在，我認為有必要澄清一下，被動收入並不是什麼美好的、神奇的、睡一覺就能快速致富的東西。

That literally doesn't exist.

這根本不存在。

You need to provide some type of value in order to make any income.

您需要提供某種類型的價值，才能獲得任何收入。

I also think we often associate passive income with hustle culture, you know, starting multiple businesses on the side, Gary Vee, David Goggins.

我還認為，我們經常將被動收入與喧囂文化聯繫在一起，你知道，加里-維、戴維-戈金斯等人都是兼職做起了多種生意。

I actually think about it pretty much exactly the opposite because passive income plus diversification allows you more freedom and time to focus on other aspects of your life without the stress of relying on one sole source of income.

實際上，我的想法恰恰相反，因為被動收入加上多樣化，可以讓你有更多的自由和時間專注於生活的其他方面，而不必依賴於唯一的收入來源。

So as with all income streams, even passive ones require your time and or money upfront to get it started.

是以，與所有收入流一樣，即使是被動收入流，也需要你付出時間和金錢來啟動它。

So here is to getting them started and let's kick it off with the king of all passive income streams, investing, with a focus on dividend stocks for this video.

讓我們從所有被動收入來源之王--投資開始，本視頻的重點是紅利股票。

So this is one of the most straightforward passive income strategies out there and I'm excited to talk to you about it.

是以，這是最直接的被動收入策略之一，我很高興能和你們談談。

So if you're new to investing, dividends are shares of a company that pay you out a portion of their profits on a regular basis, usually every quarter.

如果您是投資新手，股息就是公司定期（通常是每季度）向您支付部分利潤的股票。

And that is cash being paid out directly to you without the need to sell the stock, which is truly passive.

而且是直接向你支付現金，無需出售股票，這才是真正的被動。

As with any investment though, the key to making any money doing this is to choose the right stock.

不過，與任何投資一樣，投資賺錢的關鍵在於選擇正確的股票。

So when it comes to dividends, I would start by familiarizing yourself with stocks that are known as dividend kings.

是以，說到分紅，我會先熟悉那些被稱為分紅王的股票。

So these are a select group of companies in the stock market that have increased their dividend payouts for 50 or more consecutive years, which is really saying something by the way.

是以，這些公司都是股市中經過挑選的、連續 50 年或 50 年以上增加股息支付的公司，順便說一句，這確實很有意義。

That means that even during economic downturns like COVID, dot-com bubble, the great recession, when these companies likely had lower earnings, lower market cap, they still maintained their commitment to increase their dividend payouts to their investors, which I think just shows solid management of cashflow and reserves and a company's ability to withstand tough economic cycles.

這意味著，即使在經濟低迷時期，如 COVID、網絡保麗龍、大衰退時期，當這些公司的盈利可能較低，市值可能較低時，它們仍然堅持增加對投資者的股息支付，我認為這恰恰表明了公司對現金流和儲備的穩健管理，以及公司抵禦艱難經濟週期的能力。

So after dividend kings comes dividend aristocrats.

是以，紅利王之後就是紅利貴族。

No, I'm not making these names up, I wish I was.

不，這些名字不是我編的，但願是我編的。

And these are stocks that have increased their dividend payouts for at least 25 consecutive years.

而且，這些股票至少連續 25 年增加股息支付。

So besides the obvious reasons of why dividend kings and aristocrats would be a good place to start because they're consistent and reliable, it's worth noting that there are a lot of companies out there, a lot of young companies that might draw you in by offering really high dividend payouts.

是以，除了股息王和股息貴族因其穩定可靠而值得入手的顯而易見的原因外，值得注意的是，還有很多公司，很多年輕的公司可能會通過提供非常高的股息吸引你。

I would be cautious of these because it's just tough, kind of impossible to know which companies will maintain that commitment without a long track record to show for it.

我會對這些公司持謹慎態度，因為在沒有長期業績記錄的情況下，很難、甚至不可能知道哪些公司會保持這種承諾。

Now, our evaluation metrics.

現在是我們的評估指標。

How difficult is this to start?

啟動有多難？

It is so easy, one out of five.

太簡單了，五選一。

We're using my dog Willie instead of stars, so one Willie.

我們用我的狗威利代替星星，所以一個威利。

All you have to do to start investing is download an investing app, deposit some money and buy the stocks.

要開始投資，只需下載一個投資應用程序，存入一些錢，然後購買股票。

My personal experience, I started investing when I was 14, just little bits of birthday money here and there.

我的個人經歷是，我 14 歲時就開始投資了，只是在生日時在這裡和那裡賺點小錢。

And then more and more in high school as I started to make an income.

高中時，隨著我開始有了收入，這種想法越來越多。

And then after my internships in college and now I invest a majority of my income.

從大學實習到現在，我把大部分收入用於投資。

So point is, it is not hard to start even at a young age and good golly, will you thank yourself in 50 years if you do start at a young age, but no matter how old you are, the saying is the best time to start investing is yesterday, the second best time is today, so, and it's easy.

但無論你多大年紀，有句話說得好，開始投資的最佳時機是昨天，其次是今天，所以，這很容易。

Okay, difficulty to make $100 per week doing this.

好吧，這樣做每週賺 100 美元有困難。

This is where things get a little interesting.

這就是事情變得有點有趣的地方。

Let's do some quick maths.

讓我們快速計算一下。

So companies' dividend yields are calculated on an annual basis.

是以，公司的股息率是按年計算的。

So let's start by annualizing our $100 per week.

是以，我們先把每週 100 美元按年計算。

That's $5,200 per year.

每年 5,200 美元。

Now let's take Target, one of our well-known dividend kings and their current annual dividend yield is 3.05%.

現在，讓我們以 Target 為例，它是我們熟知的股息王之一，目前的年股息率為 3.05%。

So to make $5,200 per year or $100 per week just from dividend income with Target, you would need to invest, wait for it, $170,491.

是以，如果想通過 Target 每年賺取 5,200 美元或每週賺取 100 美元的股息收入，您需要投資 170,491 美元。

So I would give this category five willies.

是以，我會給這個類別打五分。

The capital investment needed to make a significant income from dividend payouts alone is quite high.

僅靠分紅獲得可觀收入所需的資本投入就相當高。

Even still, any money is better than none and you can kind of think of it as a tree that grows really, really slowly, but steadily.

儘管如此，有總比沒有好，你可以把它想象成一棵樹，雖然長得很慢，但卻很穩。

And finally, difficulty to maintain.

最後是維護困難。

I would give this zero willies if I could.

如果可以的話，我會讓它 "零恐懼"。

We'll give it half a willie because you might wanna check it on your stocks to see how they're doing every now and then.

我們給它打半分，因為你可能會時不時地查看一下你的股票，看看它們的表現如何。

But even then, the long game is the best way to go for almost all investors.

但即便如此，對幾乎所有投資者來說，長期博弈才是最好的方式。

So dividend stocks are certified passive.

是以，紅利股票是公認的被動型股票。

Final note on dividend stocks because I like to insert my little personal opinion here.

關於紅利股票的最後一點說明，因為我喜歡在這裡插入我的一點個人觀點。

I personally elect for all of my dividends to be automatically reinvested because I'd rather just have that money stay in the market and work for me for longer since I'm young and I can have a lot of years for it to grow.

我個人選擇將所有紅利自動再投資，因為我寧願讓這些錢留在市場上，為我工作更長時間，因為我還年輕，我還可以有很多年的時間來增長。

I would probably recommend doing the same if you're young and you have all that time.

如果你還年輕，有的是時間，我建議你也這樣做。

But at the same time, if you do have enough income invested for your dividend payouts to earn you a significant income, I can also see that being a really nice cashflow to have.

但與此同時，如果你確實有足夠的投資收入，讓分紅為你帶來可觀的收入，我也能看到這是一個非常不錯的現金流。

So whatever works for you, that's just what I do.

所以，只要適合你，我就是這麼做的。

And none of that was financial advice, I think I have to say.

我必須說，這些都不是財務建議。

All right, let's jump into our second passive income stream.

好了，讓我們進入第二個被動收入流。

And this one leans a lot more on the fun and creative side.

而這一款則更偏重於趣味性和創意性。

So I'm excited to talk about this one.

所以，我很高興能談談這個問題。

And it is print-on-demand.

而且是按需印刷。

So what is print-on-demand?

什麼是按需印刷？

Basically, it's a way to create custom merch like T-shirts, posters, mugs, totes, you name it, without needing to hold inventory because the product is printed and shipped only after the order is placed.

基本上，這是一種製作 T 恤衫、海報、馬克杯、手提袋等定製商品的方式，無需庫存，因為只有在下訂單後才會印刷和發貨。

It's kind of like drop shipping for custom merch.

這有點像定製商品的代發貨。

Whereas with typical merch fulfillment, the products are created before the orders come in in anticipation for the demand.

而在典型的商家履行過程中，產品是在訂單到來之前根據需求製作的。

So it's a really great option for entrepreneurs and creators and side hustlers who want to sell custom merch without having to estimate demand or hold inventory.

是以，對於想要銷售定製商品而無需估計需求或持有庫存的創業者、創作者和副業者來說，這是一個非常不錯的選擇。

And for me personally, merch is something I've wanted to do for a long time, but there are two things that have just kind of made me put it on the back burner forever.

就我個人而言，商業是我很久以來就想做的事情，但有兩件事讓我把它永遠擱置了。

And that is, one, finding a good fulfillment and production partner seemed like a really daunting task, and so I just never did it.

首先，尋找一個好的執行和製作夥伴似乎是一項非常艱鉅的任務，所以我從來沒有做過。

And two, I literally don't have space to hold inventory in my New York City apartment in the event that I did any of the fulfillment myself.

其次，我在紐約的公寓里根本沒有地方存放存貨，如果我自己完成的話。

But print-on-demand solves those problems.

但按需印刷解決了這些問題。

So I can show you exactly how to do this, and I'm very lucky to have the world's largest print-on-demand network with over 140 production hubs in 32 countries, Gelato, sponsoring this portion of today's video.

是以，我可以向你展示具體的操作方法。我很幸運，全球最大的按需印刷網絡、在 32 個國家擁有 140 多個生產中心的 Gelato 公司贊助了今天視頻的這一部分。

So I'm gonna use their platform to walk you through this process, and it's gonna be awesome.

是以，我將利用他們的平臺來引導你們完成這個過程，這將會非常棒。

Anyone can do this.

任何人都能做到這一點。

You don't have to be a creator with a big following.

你不必是一個擁有眾多粉絲的創作者。

There are people making thousands per month on Etsy by selling custom pet merch and lots of other things, which Gelato fulfills for them.

在 Etsy 上，有人通過銷售定製寵物用品和其他許多東西每月賺取數千美元，Gelato 為他們完成了這些工作。

So if we browse through their product catalog, you can see there are lots of different categories.

是以，如果我們瀏覽一下他們的產品目錄，就會發現有很多不同的類別。

I'm gonna do mug because I like to drink copious amounts of coffee.

我要做馬克杯，因為我喜歡喝大量的咖啡。

Just gonna drop in a picture of the love of my life.

順便給我的摯愛拍張照片。

This is how it would look.

這就是它的外觀。

Absolutely perfect.

絕對完美

And that's it.

就是這樣。

Super quick, easy example.

超級快速、簡單的例子。

Plus, you can see that you get 50% off your first order.

此外，您還可以看到，首次訂購可享受 50%的折扣。

So if you're ordering a sample to quality check, 50% off makes it pretty reasonable.

是以，如果您要訂購樣品進行質量檢查，五折優惠是非常合理的。

Now, this is just an item that I would love for myself.

現在，這只是一件我自己也會喜歡的物品。

I like to think everyone loves Willie as much as I do, but if I wanted to sell custom merch, here's what I could do.

我想每個人都和我一樣喜歡威利，但如果我想賣定製商品，我可以這麼做。

So I just made three really quick custom pet templates.

是以，我剛剛製作了三個非常快速的自定義寵物模板。

I used Willie, obviously, but I put your pet's name here so people can visualize what theirs would look like.

很明顯，我用的是威利，但我把你寵物的名字放在這裡，這樣人們就能想象出他們寵物的樣子。

And because Gelato integrates seamlessly with so many providers like Etsy, Shopify, a ton more, I could post these three things for sale on my Etsy shop directly from here.

由於 Gelato 與 Etsy、Shopify 等眾多供應商無縫集成，我可以直接從這裡將這三樣東西發佈到我的 Etsy 商店出售。

And one of the things that makes your life so much easier is that when the orders come in on Etsy, they're fulfilled directly, automatically through Gelato.

讓你的生活更輕鬆的一點是，當 Etsy 收到訂單時，它們會直接通過 Gelato 自動完成。

They do the printing and shipping for you literally while you sleep, once those orders come in.

一旦收到訂單，他們會在你睡覺時為你完成印刷和發貨。

So a thought that I had that you might also have is with the print-on-demand model, does that mean that shipping times and lead times are a lot longer since you don't already have the item ready to go when the order comes in?

我有一個想法，你可能也有，那就是按需印刷模式是否意味著發貨時間和交付週期會更長，因為訂單來的時候，你還沒有準備好商品？

Well, it turns out 90% of Gelato orders arrive within five days of ordering, and 90% are produced locally because they have so many global print providers, which kind of blew me away.

事實證明，90% 的 Gelato 訂單都能在下單後五天內送達，而且 90% 都是在當地生產的，因為他們有很多全球印刷供應商，這讓我大吃一驚。

Let's say your Etsy customer lives in Australia.

假設您的 Etsy 客戶住在澳洲。

Gelato will find its nearest print partner in Australia to produce and then ship locally that item.

Gelato 將在澳洲尋找最近的印刷合作伙伴來生產該產品，然後在當地發貨。

So to bring print-on-demand back into the context of passive income, let's run it through our evaluation metrics.

是以，為了將按需印刷重新納入被動收入的範疇，讓我們用我們的評估指標來衡量它。

So difficulty to start, I would give two willies.

是以，從一開始，我就會感到困難重重。

Of course, there's gonna be some time and creativity involved upfront because you've gotta make the designs and you have to make them good, otherwise they won't sell.

當然，前期需要花費一些時間和創意，因為你必須做出設計，而且必須做得很好，否則就賣不出去。

But with such sophisticated platforms like Gelato with a ton of customization and functionality, it's honestly easier than ever to get a shop up and running without even having to make a financial investment, besides probably ordering a sample for the thing that you wanna sell just to check for quality, you know?

但是，有了像 Gelato 這樣擁有大量定製化功能的先進平臺，說實話，除了訂購樣品檢查品質之外，現在開店比以往任何時候都容易，甚至不需要進行資金投入。

So it's very low risk with this model to start.

是以，這種模式的起步風險很低。

You don't even need a proof of concept.

你甚至不需要概念驗證。

Okay, difficulty to make $100 per week.

好吧，每週賺 100 美元有難度。

I've been doing a lot of research on this, and here are some interesting facts.

我對此進行了大量研究，以下是一些有趣的事實。

So merchants with 10 to 50 products have an average of 7.5 times the revenue compared to merchants with less than 10 products.

是以，與產品數量少於 10 種的商家相比，擁有 10 至 50 種產品的商家的平均收入是後者的 7.5 倍。

So it behooves you to have a lot of things up for sale, which you can do using this method with no additional cost.

是以，您最好有很多東西要出售，而使用這種方法無需額外費用。

So combining the low risk nature of starting this and the ability to scale it globally, my research deems it very doable to make $100 per week doing this if you have a creative design.

是以，結合創業的低風險性和在全球推廣的能力，我的研究認為，如果你有創意設計，每週賺 100 美元是非常可行的。

So let's give this category two and a half willies.

是以，讓我們給這個類別打兩個半分。

And finally, difficulty to maintain.

最後是維護困難。

I would give this two willies because you're probably gonna wanna post more items for sale as time goes on and monitor your sales, which is some time investment.

我會給它兩個警告，因為隨著時間的推移，你可能會想要發佈更多的待售商品，並監控你的銷售情況，這需要投入一些時間。

But for the most part, once the designs are created and up for sale, it is quite passive.

但在大多數情況下，一旦設計完成並開始銷售，就會非常被動。

So if you're interested in trying this for yourself, you can try Gelato for free and get 50% off your first order if it's placed within 72 hours of creating your account using my link in the description below.

是以，如果您有興趣親自體驗一下，您可以免費試用 Gelato，如果在創建賬戶後 72 小時內使用我在下面描述中的鏈接下單，您的首單還可以享受五折優惠。

And thank you to Gelato for enlightening me on print-on-demand.

感謝 Gelato 給我的按需印刷的啟發。

All right, jumping into our third passive income stream, I'm also excited to talk about this one.

好了，現在進入第三種被動收入來源，我也很高興能談談這一種。

Kind of excited to talk about all of them.

能談論所有這些，我有點激動。

And it's to create a digital product.

那就是創建一個數字產品。

So this is something that you create once like a budgeting template or an ebook or an online course or a video scripting template, you name it.

是以，這是你創建一次的東西，比如預算模板、電子書、在線課程或視頻腳本模板等，你說得出來。

But before talking about a brainstorming exercise that you could do to figure out what you should make, let's talk about a few of the reasons why digital products are such a great business model for passive income.

不過，在討論你可以做的頭腦風暴練習，以確定你應該賺多少錢之前，讓我們先來談談數字產品為什麼是一種獲得被動收入的絕佳商業模式。

The first is really low overhead costs.

首先是管理費用非常低。

So similar to print-on-demand where you're not holding inventory, a digital product is something that exists on the interwebs.

是以，與按需印刷類似，你不需要持有庫存，數字產品就是存在於互聯網上的東西。

So there's no production or shipping costs or any other logistic constraints that you typically have with a physical product.

是以，沒有生產成本、運輸成本或任何其他物流限制，而這正是實體產品通常會遇到的問題。

And with those low overhead costs and no physical inventory comes a really great ability to scale globally.

由於管理成本低，又沒有實體庫存，是以在全球範圍內的擴展能力非常強。

It can be sold repeatedly without additional ongoing costs, which also typically means a higher profit margin because your cost is basically zero besides the time and effort put into making the thing.

它可以重複銷售，無需額外的持續成本，這通常也意味著更高的利潤率，因為除了製作時間和精力外，你的成本基本為零。

And finally, it is easy to update.

最後，它易於更新。

So let's say you have a bonus chapter for your ebook or a bonus module that you wanna add later.

比方說，你的電子書有一個獎勵章節，或者你想在以後添加一個獎勵模塊。

You can do that with a digital product, which is pretty cool.

你可以用數字產品做到這一點，這很酷。

Okay, so those are some reasons that I'm such a proponent of digital products, but the hard part is making something that people will actually buy.

好了，以上就是我如此支持數字產品的一些原因，但最難的部分是製作出人們真正願意購買的產品。

The key is to create something valuable that your audience actually needs, whether it's sharing your expertise or a tool.

關鍵是要創造出閱聽人真正需要的有價值的東西，無論是分享你的專業知識還是工具。

Same with YouTube videos.

YouTube 視頻也是如此。

So for example, let's say you're a content creator that focuses on personal finance and entrepreneurship.

例如，假設您是一位專注於個人理財和創業的內容創作者。

Maybe there's a budgeting template that you made and show in your videos that your audience asks you for.

也許你製作了一個預算模板，並在視頻中展示，你的觀眾會向你索要。

Or if you're a cook and you wanna share all of your recipes in one place, a downloadable ebook could be a great option.

或者，如果你是一名廚師，想在一個地方分享你的所有食譜，可下載的電子書也是一個不錯的選擇。

Or an online course is a really great business model for people who have expertise in one particular subject and wanna consolidate all of their knowledge in one place via typically video modules.

或者，對於那些在某一特定領域擁有專業知識，並希望通過典型的視頻模塊將所有知識整合在一起的人來說，在線課程是一種非常好的商業模式。

But what if you're not a creator that's already in a specific niche and you're trying to figure out what digital product to make?

但是，如果你不是一個已經進入特定利基市場的創作者，而且你正試圖確定要製作什麼樣的數字產品，那該怎麼辦呢？

Again, going back to providing value, whether it's your expertise or a tool, think about what you specifically could provide value on.

再次回到提供價值的問題上，無論是你的專業知識還是工具，想想你具體能在哪些方面提供價值。

What is your competitive advantage?

您的競爭優勢是什麼？

That's where I would start.

我會從這裡開始。

How you can transform something that you are extra good at into a tool that someone else could use.

如何將自己特別擅長的事情轉化為別人可以使用的工具。

So, difficulty to start.

那麼，從困難開始。

I would give this one and a half willies.

我會給它一個半 "驚恐"。

Really anyone with a phone or a laptop could do this.

只要有手機或筆記本電腦，任何人都能做到這一點。

That's the beauty of it being digital.

這就是數字化的魅力所在。

The hard part is what comes next.

困難的是接下來要做什麼。

And that is actually making something that's worth buying and making sales.

那就是真正做出值得購買的東西，並實現銷售。

So without focusing on the $100 metric just for a second, let's talk broadly about how difficult it is to make any money at all doing this.

是以，我們暫且不談 100 美元這個指標，讓我們從廣義上談談做這件事有多難賺錢。

The reality is for you to be successful with a digital product, it has to be genuinely very good because it is such a competitive space.

現實情況是，數字產品要想取得成功，就必須真正非常出色，因為這個領域的競爭非常激烈。

There are just so many digital products out there, a lot of which are free.

現在有這麼多數字產品，其中很多都是免費的。

So yours has to stand out in some way for it to actually move.