Hi guys, if you're new here, I'm Nisha, I'm a banker based in the UK and on this channel we explore all things personal finance, self-development and business.

大家好，如果你是新來的，我是妮莎，我是一名駐英國的銀行家，在這個頻道里，我們探討個人理財、自我發展和商業等一切問題。

So let's get straight into it.

那我們就直奔主題吧。

Number one, close the learning gap.

第一，縮小學習差距。

If you don't know where to start, start with this one.

如果您不知道從哪裡開始，那就從這個開始吧。

It sounds like such an obvious one but it is so, so overlooked and it's single handedly the most important one out of the list and that is to close the learning gap that the schooling system has created.

這聽起來似乎很明顯，但卻非常、非常容易被忽視，而且是清單中最重要的一項，那就是縮小學校教育系統造成的學習差距。

Education at school is tailored towards getting a good job, getting promoted, earning a high salary and then we're told to save part of our pay, the pay that the tax man doesn't rate for us.

學校的教育是為了找到一份好工作、升職、賺取高薪，然後告訴我們要把工資的一部分存起來，也就是納稅人沒有為我們評定的工資。

They tell us to put that money into savings accounts with interest rates that don't even keep up with inflation and they tell us to invest it in ISAs and 401ks which are managed by someone else who is making money doing it.

他們讓我們把錢存入利率甚至趕不上通脹率的儲蓄賬戶，還讓我們把錢投資到由別人管理的國際投資賬戶和 401k 賬戶，而這些賬戶的管理人卻在賺錢。

That's where the problem is, building true wealth under this paradigm is mathematically impossible.

這就是問題所在，在這種模式下創造真正的財富在數學上是不可能的。

In fact, the schooling system is designed to keep most people poor or at least working hard their entire lives just to keep their head above water and we've been so indoctrinated in this ideology that most people just think this is the way it is and that there is no alternative, there is nothing else to do.

事實上，學校教育體系的目的就是讓大多數人繼續貧窮，或者至少終其一生努力工作，以維持生計，而我們已經被灌輸了這種意識形態，以至於大多數人都認為事情就是這樣，別無選擇，別無他法。

They don't teach us financial literacy in school, they don't teach us about mortgages, about taxes, about corporate structures, managing your finances, none of that.

學校不教我們金融知識，不教我們抵押貸款、稅務、公司結構、財務管理，什麼都不教。

So it's up to us to close the financial literacy gap and educate ourselves on these topics.

是以，我們有責任縮小金融知識方面的差距，並就這些主題進行自我教育。

Read the books, watch the YouTube videos, listen to the podcast because a lot of building wealth and building income streams is about keeping the money you make and making it grow for you.

閱讀書籍、觀看 YouTube 視頻、收聽播客，因為很多財富積累和收入來源都是為了留住你賺到的錢，並讓它為你增值。

Number two, the spotlight effect.

第二，聚光燈效應。

This is one that used to really hold me back but when I got over it, it was a very kind of monumental and liberating feeling for me.

這個問題曾經讓我耿耿於懷，但當我克服了這個問題，就會有一種非常不朽和解放的感覺。

I always worried about what other people thought about me doing something, what my family would think, what my friends would think, what my colleagues would think but as you get older and I guess you learn with time that no one actually cares about what you're doing.

我總是擔心別人對我做某件事情的看法，擔心家人會怎麼想，擔心朋友會怎麼想，擔心同事會怎麼想，但隨著年齡的增長，我想你會慢慢明白，其實沒有人會在乎你在做什麼。

There's this phenomenon in psychology called the spotlight effect and the basic idea is that we go about our lives thinking that there is a spotlight trail on us and only us and everyone is looking at what we're doing and they're judging it but in reality we are only the centre and focal point of our own story.

心理學上有一種現象叫做聚光燈效應，其基本思想是，我們在生活中會認為有一束聚光燈照著我們，而且只有我們，每個人都在看著我們在做什麼，他們在評判我們，但實際上，我們只是我們自己故事的中心和焦點。

We are just a small snippet in everyone else's.

我們只是其他人的一個小片段。

And there's a famous quote that says we would worry less about what other people think about us if we actually realised how rarely they do.

有一句名言說，如果我們真正意識到別人對我們的看法很少，我們就不會那麼擔心別人對我們的看法了。

So stop worrying about what other people think and if you fail or succeed publicly and when you do you'll be willing to take on more opportunities that you would have otherwise been too afraid to take before.

是以，不要再擔心別人的看法，也不要再擔心自己是否會公開失敗或成功。

Number three, question the answer.

第三，質疑答案。

Once I learned that I need to do this, so many more doors opened up for me.

一旦我意識到我需要這樣做，就會有更多的機會向我敞開大門。

Just because one person said they can't help you or that your business idea isn't viable, it doesn't mean it's a no and that you should pack it all in.

僅僅因為一個人說他們幫不了你或你的創業想法不可行，並不意味著你就應該放棄一切。

There are 101 ways to get to the same destination so it may just mean that you need to knock on another door or take another path that no one has trodden down before.

有 101 種方法可以到達同一個目的地，所以這可能只是意味著你需要敲開另一扇門，或者走另一條沒有人走過的路。

When I was 23 I made up in my mind that I was going to hit six digits before my 25th birthday and that I wasn't going to let anything stop me from getting there.

23 歲那年，我下定決心，一定要在 25 歲生日之前達到六位數，我不會讓任何事情阻止我達到這個目標。

I worked super hard that year and at the end of the year I made a case to my boss at the time and said okay this is why I deserve that pay rise and he took it away and basically came back and said it's not possible and gave me this reason and this reason and this reason and I could have either just sat there and said okay this is the reality, I'm going to accept it, there's nothing I can do about it or take the matter in my own hands and say okay this isn't the answer that I was expecting but that doesn't mean there isn't another way that will get me there.

那一年我工作得非常努力，年底時我向當時的老闆提出了一個理由，並說好吧，這就是我應該得到加薪的原因，結果他把加薪拿走了，基本上是回來說這是不可能的，並給了我這樣那樣的理由，我本來可以坐在那裡說好吧，這就是現實、我既可以坐在那裡說，好吧，這就是現實，我只能接受，我無能為力；也可以自己解決這件事，說，好吧，這不是我期待的答案，但這並不意味著沒有其他辦法能讓我實現目標。

That's when I started living below my means and saved up enough to buy my first investment property which then led to me hitting that goal.

從那時起，我開始量入為出，積攢了足夠的錢來購買我的第一套投資性房產，並最終實現了我的目標。

So if you want to get from A to B it's not just one road that will get you there, it's not just one person that will help you or one company that will help you achieve it.

是以，如果你想從 A 地到達 B 地，並不是只有一條路能讓你到達那裡，也不是隻有一個人或一家公司能幫助你實現目標。

You may have to take a couple of detours and a load of rejections and setbacks but honestly and you'll hear me say this time and time again, when there is a will there is a way so if you want to take away one thing from this video let it be that.

你可能要走一些彎路，遭遇很多拒絕和挫折，但老實說，你會一次又一次地聽到我說，有志者事竟成，所以，如果你想從這段視頻中得到一點啟發，那就請記住這一點。

Number four, money out equals money in and this is one of the most important ones and I wish someone had drilled this into me earlier.

第四點，出錢等於進錢，這是最重要的一點，我希望有人能早點向我灌輸這一點。

I know so many people who work in well paid jobs, they earn a lot and they say they want to start all these side hustles and start building passive income streams but they don't want to spend any money to get started and I think this is really quite a self-limiting thought because they're spending on all these depreciating assets, they're going out on all these fancy holidays and extravagant restaurants but once it comes to actually investing that money they don't want to do it, they don't want to invest that money in themselves or on courses or on the better equipment for their podcast, they won't be willing to part with that money.

我認識很多人，他們從事高薪工作，掙得很多，他們說他們想開始所有這些副業，開始建立被動收入流，但他們不想花任何錢來開始，我認為這真的是一個相當自我限制的想法，因為他們花在所有這些貶值的資產上、他們在所有這些花哨的假期和奢華的餐廳上花費，但一旦涉及到實際投資，他們就不想這麼做了，他們不想把這些錢投資在自己身上，或者投資在課程上，或者投資在他們播客的更好的設備上，他們不願意捨棄這些錢。

There gets to a point with almost any venture where to be able to scale it or take it to the next stage you're going to have to spend some money and sometimes that means spending money to free up the time so that you can even start that venture in the first place.

幾乎所有的創業項目都會遇到這樣一個問題：要想擴大規模或進入下一個階段，你就必須花一些錢，有時這就意味著要花錢來騰出時間，這樣你甚至可以在一開始就開始創業。

As Naval says in his book The Almanac, set an hourly rate for yourself, be it $20 an hour, $50 an hour and anything you can outsource at less than that hourly rate then do it.

正如納瓦爾在《年鑑》一書中所說，為自己設定一個小時費率，不管是 20 美元一小時還是 50 美元一小時，只要你能以低於這個小時費率的價格外包，那就去做。

You'll find that doing this will free up so much time for you that you could spend working on your ventures or your own business ideas or educating yourself.

你會發現，這樣做會為你騰出很多時間，你可以把這些時間花在你的創業項目、自己的經營理念或自我教育上。

Before I used to think okay I'll do everything myself, I'll just spend 10 days on trying to learn this by myself instead of paying someone else to do it but that mindset of saving money at the cost of your time can't follow you through to financial wealth and Number 5, FOMO will hold you back.

以前我常想，好吧，我什麼都自己做，我就花 10 天時間自己學，而不是花錢請別人做，但這種以時間為代價的省錢心態無法讓你實現財務財富，而且第 5 點，FOMO 會讓你退縮。

FOMO is fear of missing out, fear of missing out when you see your friends living their best life on Instagram, eating out all the time, buying the latest iPhone, a new car, going on a big holiday and it takes a lot of willpower to say no to these things when everyone around you is doing it.

FOMO 就是 "害怕錯過"，當你看到朋友們在 Instagram 上過著最美好的生活，總是在外面吃飯，買最新款的 iPhone、新車，去度個大假，你就會害怕錯過。

But if you let your FOMO get the best of you then you're sacrificing your own narrative, you'll be throwing away unnecessary amounts of money trying to keep up with the lifestyle you're seeing other people live, you'll be wasting unnecessary amounts of valuable time that you could spend on working yourself or working on your side hustle just because of FOMO.

但是，如果你讓 "FOMO "衝昏了頭腦，那麼你就會犧牲你自己的敘述，你就會浪費不必要的金錢去追趕你看到的其他人的生活方式，你就會浪費不必要的寶貴時間，而你本可以把這些時間花在自己的工作或副業上，就因為 "FOMO"。

And everyone is going to get a level of fear of missing out at some point but I've learned that the only remedy for FOMO is finding meaning in what you're doing.

每個人都會有害怕錯過的時候，但我知道，唯一能解決 FOMO 的辦法就是在你所做的事情中找到意義。

It doesn't mean it has to be the most fulfilling thing in the world or the most satisfying thing that brings you the most happiness.

這並不意味著它必須是世界上最有成就感的事情，或者是最能帶給你幸福感的事情。

Meaning just means that it's part of a bigger narrative that you're building in your life.

意義只是意味著，它是你在生活中構建的更大敘事的一部分。

Now I'm very clear with the direction I'm going and where I want to be in my life in 5 years time and in 10 years time and whenever I see something that someone else posts on social media that makes me feel like I'm not living my best life and going out all the time and living completely in the here and now then I just remind myself that it's all in the idea or all because of this meaning.

現在，我非常清楚自己的人生方向，以及 5 年後和 10 年後我想要的生活。每當我看到別人在社交媒體上發佈的一些資訊，讓我覺得自己沒有過上最好的生活，沒有一直走出去，沒有完全活在此時此地，我就會提醒自己，這一切都源於這個想法，或者說，這一切都源於這個意義。

And at the end these small little sacrifices that I make now will all be worth it in the end.

最後，我現在所做的這些微不足道的犧牲最終都是值得的。

Number 6.

6 號

Action before overanalysis.

先行動，後過度分析。

This is one that's probably had the biggest impact on me.

這可能是對我影響最大的一次。

If there's one thing that was keeping me in the same place year after year after year it was the tendency to overanalyse versus just doing the thing.

如果說有什麼東西讓我年復一年地停留在同一個地方，那就是過度分析的傾向，而不是隻做事情。

Before starting this YouTube channel I must have thought about doing it for a good 6 months while I was thinking about what my niche should be, what would people care about hearing from me, what should my thumbnails look like.

在開設這個 YouTube 頻道之前，我一定想了整整 6 個月，當時我在想我的定位是什麼，人們會在意從我這裡聽到什麼，我的縮略圖應該是什麼樣子。

It's great to think about that new project and think about investing for the future but what's really going to make the difference 10 years from now is whether or not you actually did the thing.

考慮新項目、考慮為未來投資固然很好，但十年後真正起作用的是你是否真的做了這件事。

Even if it feels scary at some point you become acutely aware that the result of not taking action will be far more painful than whatever may happen if you take action.

即使在某些時候感覺很可怕，你也會敏銳地意識到，不採取行動的結果要比採取行動後可能發生的事情痛苦得多。

Even if you don't have it all planned out by virtue of just getting started you're naturally going to be taking on feedback along the way.

即使你還沒有計劃好一切，但由於剛剛起步，你自然會一路接受反饋意見。

Just get going, you can always change the path if you need to based on the feedback you're getting you'll learn and improve just by doing.

開始行動吧，如果需要，你可以根據得到的反饋隨時改變路線，你會在實踐中學習和進步。

Jeff Oslund in the book The Slight Edge says that the more you overthink preparing to start your goal the more overwhelmed you will feel and the less likely you are to take the action.

傑夫-奧斯蘭德在《微小的優勢》一書中說，在準備開始實現目標的過程中，你考慮得越多，就越會感到不知所措，就越不可能採取行動。

So keeping your thoughts about your plans simple helps you get out of your own head and into action more quickly.

是以，保持對計劃的簡單思考有助於你更快地從自己的頭腦中解脫出來，投入到行動中去。

Just take the opportunity and you'll learn the most just by doing it.

只要抓住機會，你就能從中學到最多的東西。

So that guys is what's kept me motivated and kept me going.

是以，正是這些傢伙讓我充滿動力，不斷前進。

If you enjoyed this video I've linked a few others here which you may also enjoy.

如果您喜歡這段視頻，我在這裡鏈接了其他一些視頻，您可能也會喜歡。

Thanks for watching and hopefully see you there.

感謝您的收看，希望能在現場見到您。