The key to getting rich isn't about living life at the extreme like waking up at 4am to get ahead of the competition or taking a daily ice bath to wake up your senses.

致富的關鍵並不在於極端的生活方式，比如凌晨四點起床以超越競爭對手，或者每天泡個冰浴以喚醒自己的感官。

It's actually about forming micro-habits, tiny habits that you follow consistently.

實際上，這就是要養成微習慣，養成持之以恆的小習慣。

These small habits compound over time and not only have a big impact on your finances but also on your physical, mental and emotional well-being.

這些小習慣日積月累，不僅會對你的財務狀況產生重大影響，還會影響你的身心健康和情緒穩定。

So in this video, I'm going to share with you 17 micro-habits that have completely transformed both my finances and other areas of my life and also share tips on how you can apply them to your own life as well.

是以，在這段視頻中，我將與你分享 17 個微習慣，它們徹底改變了我的財務狀況和生活的其他方面，同時也分享瞭如何將它們應用到你自己生活中的技巧。

Let's dive in.

讓我們深入瞭解一下。

Number one, create more than you consume.

第一，創造大於消耗。

According to the author of Rich Habits, the daily success habits of wealthy individuals, the wealthiest people in the world create more than they consume.

根據《富人的日常成功習慣》（Rich Habits）一書的作者所說，世界上最富有的人創造的財富比他們消費的財富還要多。

Thomas Cawley's research found that 67% of wealthy people watch TV for one hour or less each day compared to 77% of people who are struggling financially who watch TV for one hour or more each day.

Thomas Cawley 的研究發現，67% 的富人每天看電視的時間在一小時以內，而 77% 的經濟困難者每天看電視的時間在一小時以上。

Instead of being glued to the box, think about how you can create something.

與其固步自封，不如想想如何才能有所創造。

When you create something, you develop your knowledge, your skills, your experience more than you ever will through consuming.

當你創造一些東西時，你的知識、技能和經驗都會得到發展，這比你通過消費獲得的要多得多。

So to make creation a habit, start small.

是以，要讓創造成為一種習慣，就要從小事做起。

Maybe just 15 minutes a day doing something that you enjoy.

也許每天只需 15 分鐘，做一些你喜歡的事情。

This could be something like starting that YouTube channel that you've been thinking about, writing short stories, or even learning basic coding or something through fun apps.

這可以是開設你一直在考慮的 YouTube 頻道、寫短篇小說，甚至是通過有趣的應用程序學習基本的編碼或其他東西。

Then to make sure you're on track, do a regular audit of your creation time versus your consumption time.

然後，為確保您的工作步入正軌，請定期審核您的創建時間與消耗時間。

It should always show that you're creating more than you're consuming.

它應該始終顯示出你創造的比你消耗的多。

Number two, create distance from the wrong people.

第二，與錯誤的人保持距離。

There's a saying that is, you are the average of the five people you spend the most time with.

有句話說得好，你是與你相處時間最長的五個人的平均值。

And this has really struck a chord with me.

這讓我很有感觸。

I can't stress this enough.

這一點我怎麼強調都不過分。

If you find yourself surrounded by people who are always talking about other people or putting someone else down or complaining, find a way to create distance from that.

如果你發現自己周圍的人總是在談論別人、貶低別人或抱怨別人，那就想辦法與他們保持距離。

Because as long as that's around you, you're going to absorb that thinking and it's going to be really hard to make any drastic changes to your life.

因為只要你的周圍還存在這種想法，你就會吸收這種想法，你的生活就很難有大的改變。

You can tell how successful someone is going to be by the size of the problems or by the kind of problems they face.

你可以從問題的大小或問題的類型來判斷一個人的成功程度。

Find people whose problems are about how to build more wealth, the way they do it, how to solve a problem, how to overcome a challenge they're facing.

找到那些問題是關於如何創造更多財富的人，找到他們創造財富的方法，找到他們解決問題的方法，找到他們克服困難的方法。

It's hard to do this if you are just starting out.

如果你剛剛起步，很難做到這一點。

And I know two years ago when I was trying to find a place where I can tap into a new circle, I wasn't really able to be in the places I was able to do that.

我知道，兩年前，當我試圖找到一個能讓我進入一個新圈子的地方時，我並不能真正進入我能夠做到這一點的地方。

So my closest circle became books, podcasts, YouTube channels.

是以，我最親近的圈子變成了書籍、播客和 YouTube 頻道。

The internet makes it so much easier to shift your average.

互聯網讓平均值的變化變得如此簡單。

Number three, create an I can do this file.

第三，創建一個 "我能做到 "文件。

I record almost everything.

我幾乎什麼都錄。

Whenever I achieve something significant, I write it down.

每當我取得重大成就時，我都會把它寫下來。

Whenever I reach an important milestone, I write it down.

每當我達到一個重要的里程碑時，我都會把它寫下來。

Whenever I'm paralysed by fear or doubt about starting something new, I write that down.

每當我對開始一件新事物感到恐懼或懷疑時，我就會把它寫下來。

I remember my first live session on this channel being super nerve-wracking, but I went through it anyway and I saved the whole process from my fear and my doubt to how I felt after I did it to all the positive feedback I got after it and how it was received.

我記得我在這個頻道上的第一次直播課程非常緊張，但我還是堅持了下來，我保存了整個過程，從我的恐懼和懷疑到我做完後的感覺，再到我做完後得到的所有積極反饋以及大家的反應。

I put my entries into a tab on my Notion workspace labelled I can do this.

我把我的條目放到 Notion 工作區的一個標籤中，標明 "我可以這樣做"。

And it's just a motivation tool that reminds me about how I'm overcoming things and what I'm capable of.

它只是一個激勵工具，提醒我如何克服困難，以及我的能力。

Life has its inevitable peaks and troughs, and on my down days, just revisiting that file helps to put some pep back in my step and motivates me to reach new heights.

人生難免會有高峰和谷底，在我沮喪的時候，只要重溫一下那份文件，就能讓我重新振作起來，激勵我達到新的高度。

Number four, show gratitude.

第四，表示感謝。

I used to think gratitude journaling was a little bit cheesy until I came across Dr. Sophia Godkin's work, and she really highlights that the secret to happiness begins with gratitude.

我以前覺得寫感恩日記有點俗氣，直到我看到索菲亞-戈德金博士的作品，她真正強調了幸福的祕訣始於感恩。

So I started keeping a gratitude journal.

於是，我開始寫感恩日記。

At 8pm every evening, I get a notification from my Day One app, and I love using my phone for this because whenever the notification pops up, I can just quickly add an entry.

每天晚上 8 點，我都會收到 Day One 應用程序發出的通知，我喜歡用手機來做這件事，因為只要通知彈出，我就可以快速添加一個條目。

And then I pick a photo that I've taken that day, or I take one at that moment, and I write the day's highlights and what I'm grateful for.

然後，我會選一張當天拍的照片，或在那一刻拍的照片，並寫下當天的亮點和我的感激之情。

It could be something as simple as getting the perfect coffee, or a thoughtful message from a friend, or making it to a workout.

可能是一杯完美的咖啡，可能是朋友的一條貼心資訊，也可能是一次成功的鍛鍊。

What I've learned is that your mind attracts what you focus on.

我學到的是，你專注於什麼，你的思想就會吸引什麼。

When you actively look for good things, that's when life starts to shift.

當你積極尋找美好的事物時，生活就會開始轉變。

Instead of overthinking what went wrong, I'm always trying to notice the little things that went right.

我沒有過多地去思考哪裡出了問題，而是一直在努力注意那些正確的小事情。

So if you want to try it, set a five-minute evening reminder and just jot down one thing from your day that you're grateful for.

是以，如果你想嘗試一下，可以在晚上設置五分鐘的提醒時間，記下一天中值得感激的一件事。

If you're like me and you prefer digital over paper, I highly recommend trying out the Day One app.

如果你和我一樣喜歡電子版而不是紙質版，我強烈推薦你試試 Day One 應用程序。

Number five, automate these two things.

第五，將這兩件事自動化。

Warren Buffett famously said, do not save what is left after spending, but spend what is left after saving.

沃倫-巴菲特有句名言：不要把花掉後剩下的錢存起來，而要把存起來後剩下的錢花掉。

I take this principle even further by adding investments into the mix.

我將這一原則更進一步，加入了投資元素。

Do not save and invest what is left after spending, but spend what is left after saving and investing.

不要把花掉後剩下的錢儲蓄和投資，而是把儲蓄和投資後剩下的錢花掉。

For example, I've set up a system where every month a fixed portion of my income automatically is directed into my savings and my investment accounts before I could even spend a single penny.

例如，我建立了一個系統，每個月都會自動將收入的固定部分存入我的儲蓄和投資賬戶，然後再花一分錢。

Doing this has benefited me in two main ways.

這樣做主要讓我在兩個方面受益。

Firstly, I consistently grow my finances without having to rack my brain trying to remember when to make manual transfers, especially when things get busy.

首先，我的財務狀況持續增長，無需絞盡腦汁去記何時進行人工轉賬，尤其是在工作繁忙的時候。

And secondly, automating transfers means I'm less likely to make impulse purchases, like that limited time only that turns out not to be such a great deal in the cold light of day.

其次，自動轉賬意味著我不太可能衝動購物，比如限時搶購，結果發現在冷光下並不那麼划算。

Number six, get specific.

第六，要具體。

Every year, without fail, I write down one big financial goal and when I do, I like to be really specific.

每年，我都會不折不扣地寫下一個大的財務目標，寫的時候，我喜歡寫得非常具體。

Why?

為什麼？

Because the more specific you are about your goals, the more likely you are to achieve them.

因為你的目標越具體，你就越有可能實現這些目標。

So rather than stating a general intention like I will save more money, I tend to be more specific such as I will save 30,000 for a down payment for my forever home by the end of 2027.

是以，我不會說 "我要存更多錢 "這樣籠統的願望，而會說得更具體，比如 "我要在 2027 年底之前存夠 3 萬塊錢，為我的永久家園付首付"。

So as well as keeping me motivated, I find being specific with my financial goals helps me break them down into smaller and more manageable milestones.

是以，除了保持動力之外，我還發現，具體制定財務目標有助於我將目標分解成更小、更易於管理的里程碑。

So in my example of saving 30,000 by the end of 2027, I might aim to put away 1,250 each month in order to hit my target in two years.

是以，以我在 2027 年底前儲蓄 30,000 美元為例，我的目標是每月儲蓄 1,250 美元，以便在兩年內達到目標。

Number seven, audit these three buckets.

第七，審核這三個桶。

I've made auditing my spending a cornerstone habit quarterly for my business and monthly, sometimes weekly if I can, for my personal accounts.

我已經把審核支出作為一個基本習慣，企業賬戶每季度審核一次，個人賬戶每月審核一次，如果可以，有時每週審核一次。

And I categorise every expense into three buckets.

我把每一筆開支都分為三類。

Fundamental, which is your essential needs, fun, which is your lifestyle choices, and future, which is investments in your growth and the future you.

基礎，即你的基本需求；樂趣，即你對生活方式的選擇；未來，即對你的成長和未來的你的投資。

What I love about this is it's not just about tracking, it's about intentional living.

我喜歡這一點的原因在於，它不僅僅是關於追蹤，更是關於有意識的生活。

The intentional spending tracker that I use shows me in real time how I'm doing against my goals, whether I'm over or under budget and exactly how much I have left to spend.

我使用的 "有意支出追蹤器 "會實時顯示我的目標完成情況、超出或低於預算，以及我還有多少錢可以花。

When I do this, it's like having a financial compass that keeps me moving in the right direction.

當我這樣做時，就像有了一個財務指南針，讓我朝著正確的方向前進。

I saw someone on TikTok talking about how budgeting is like being on a strict diet.

我在 TikTok 上看到有人說預算編制就像嚴格節食。

Well, I actually argue that it's quite the opposite.

實際上，我認為情況恰恰相反。

I find it's incredibly empowering no matter how much you earn to have some clarity about where your money is going and when.

我發現，無論你掙多少錢，能清楚地知道錢的去向和時間，都會給你帶來難以置信的力量。

That kind of clarity helps you make financial decisions with confidence.

這種清晰度可以幫助你自信地做出財務決策。

If you want to use my intentional spending tracker, it's completely free.

如果你想使用我的有意消費跟蹤器，它是完全免費的。

It'll make it easy to categorise your expenses and spot areas when you might be overspending.

這樣就可以很容易地對開支進行分類，並發現可能超支的地方。

Plus, it also will tell you how much you have left to spend that month to keep on track with your goals.

此外，它還會告訴你當月還剩多少錢，以便你繼續實現目標。

Number eight, learn something new about money weekly.

第八，每週學習有關金錢的新知識。

You know that saying knowledge is power.

你知道知識就是力量這句話吧。

Well, Warren Buffett, once again, puts it even better.

沃倫-巴菲特（Warren Buffett）說得更好。

He says, the more you learn, the more you earn.

他說，學得越多，賺得越多。

Every week, I block out just one hour, maybe during my lunch break, maybe after dinner, to learn something new about money.

每週，我都會抽出一個小時，也許是午休時間，也許是晚飯後，去學習一些關於金錢的新知識。

It's not a huge commitment but it makes a real difference.

雖然投入不大，但效果確實不同。

Currently, I'm deep diving into behavioural finance, understanding how our early experiences shape our money mindset.

目前，我正在深入研究行為金融學，瞭解我們的早期經歷是如何塑造我們的理財心態的。

It's really fascinating to see how childhood experiences, even from as young as age seven, influences whether someone becomes a confident investor or feels anxious about spending.

童年的經歷，甚至從七歲開始的經歷，是如何影響一個人成為自信的投資者還是對消費感到焦慮的，這真是令人著迷。

There's always something new to learn and every little bit of financial knowledge adds up.

總是有新的東西要學，每一點金融知識都會讓人受益匪淺。

Whether it's learning about a new investment app or understanding how to negotiate better, these small lessons keep opening up new doors.

無論是學習新的投資應用程序，還是瞭解如何更好地進行談判，這些小課程都會不斷打開新的大門。

Number nine, stop caring about opinions.

第九，不要再在乎別人的看法。

Everyone cares about the opinions of others to some extent and it's one of the most difficult habits to break free from.

每個人都會在一定程度上在意別人的看法，而這是最難改掉的習慣之一。

But when you do, you start venturing out more and you start taking bigger risks.

但當你這樣做的時候，你就會開始更多的冒險，開始冒更大的風險。

One thing that helped me overcome this and stop caring too much about the opinions of others is asking myself this simple question.

有一件事幫助我克服了這個問題，不再過分在意別人的看法，那就是問自己一個簡單的問題。

In the grand scheme of achieving my life's goals, how important is this person's opinion?

在實現我人生目標的大計劃中，這個人的意見有多重要？

If the answer is not very important or something similar, I become laser focused on what I want to achieve and how I wanted to achieve it based on my own values, not the opinions of others.

如果答案不是很重要或類似的問題，我就會根據自己的價值觀，而不是別人的意見，專注於自己想要實現的目標和實現目標的方式。

Number 10, understanding the yes trap.

第 10 項，瞭解 "是 "的陷阱。

Learning to say no has been a really hard one for me to do and according to research published by Psychology Today, I'm not alone.

學會說 "不 "對我來說真的很難，而根據《今日心理學》發表的研究，我並不孤單。

We all feel this way to a lesser or greater extent.

我們或多或少都會有這種感覺。

It's a phenomenon psychologists call the yes trap.

心理學家稱這種現象為 "是 "的陷阱。

It's a deep-rooted feeling that we should always say yes to requests, to invitations, to opportunities, even when our plates are already full.

這是一種根深蒂固的感覺，我們應該總是對請求、邀請和機會說 "是"，即使我們的盤子已經滿了。

The consequence of the yes trap includes burnout, it includes resentment and it includes neglecting self-care.

"是 "的陷阱的後果包括倦怠、怨恨和忽視自我保健。

But there's also missed opportunities.

但也有錯失良機的時候。

By saying yes to everything, we lose out on pursuing opportunities that might actually align with our goals a lot more.

如果對所有事情都說 "是"，我們就會失去追求機會的機會，而這些機會實際上可能更符合我們的目標。

Something I found that really helped me with this is really crystallising my goals.

在這方面，我發現真正對我有幫助的是將我的目標具體化。

When you are able to get so clear on your goals, you're able to beat the yes trap because it became easier to say no to anything that didn't further them.

當你對自己的目標有了清晰的認識後，你就能戰勝 "是 "的陷阱，因為你可以更容易地拒絕任何與目標無關的事情。

So step one, get really clear on your goals.

所以第一步，要真正明確自己的目標。

Step two, whenever a new request comes in, ask yourself, will this help me achieve my goals or is it a potential distraction?

第二步，每當有新的請求時，問問自己，這會幫助我實現目標嗎，還是會分散我的注意力？

Number 11, invest in yourself.

第 11 項，投資自己。

I always say that the best investment you can ever make isn't in stocks, in commodities or even real estate, it's in yourself.

我常說，最好的投資不是股票、商品甚至房地產，而是你自己。

This is because the returns on self-investment compound in the same way that financial investments do.

這是因為自我投資的回報與金融投資的回報是複利的。

Their benefits add up over time.

隨著時間的推移，它們的益處會逐漸增加。

So whether you're pursuing your education, you're improving your fitness or you're practising self-care, putting yourself first is always a sound investment.

是以，無論你是在求學、健身還是自我保健，把自己放在第一位永遠是明智的投資。

Talking of self-investments, I wanted to share something with you that's made a massive difference in my life and that is today's sponsor Brilliant.

說到自我投資，我想和大家分享一件事，它給我的生活帶來了巨大的改變，那就是今天的贊助商 "輝煌"。

It's an amazing online learning platform that makes learning fun and effective.

這是一個神奇的在線學習平臺，讓學習變得有趣而有效。

Brilliant makes complex topics simple because you learn by doing with thousands of interactive lessons on offer ranging from maths and data analysis to programming and AI.

Brilliant 使複雜的主題變得簡單，因為您可以通過數千節互動課程，從數學和數據分析到編程和人工智能，邊做邊學。

What I love about Brilliant is how it helps you develop a powerful learning habit in just a few minutes a day.

我喜歡 Brilliant 的原因在於它能幫助你養成一種強大的學習習慣，每天只需幾分鐘。

Plus, it makes it easy to learn when you're on the move, whether you're doing a deep dive into a new topic or having a short practice session, you can learn on the phone right where you are.

此外，它還能讓你在移動中輕鬆學習，無論是深入學習新主題還是進行短期練習，你都可以隨時隨地在手機上學習。

Recently, they launched a tonne of new data science content, all of which uses real world data to train you to see trends and make better informed decisions.

最近，他們推出了大量新的數據科學內容，所有內容都使用真實世界的數據來訓練你洞察趨勢並做出更明智的決策。

Knowing how to read and understand data is literally one of the most important skills you can have in almost any industry.

在幾乎所有行業中，懂得閱讀和理解數據都是最重要的技能之一。

And what I love about the content on Brilliant is that you're learning this skill by working with real data sets from sources like Airbnb, Spotify, Starbucks.

我喜歡 Brilliant 上的內容，因為你可以通過使用 Airbnb、Spotify 和星巴克等來源的真實數據集來學習這項技能。

So whether you're a student, a professional or just someone who loves to learn, Brilliant has something just for you.

是以，無論您是學生、專業人士還是熱愛學習的人，Brilliant 都有適合您的產品。

And if you're ready to 10x your learning journey, you can try Brilliant completely for free for a full 30 days at brilliant.org forward slash Nisha.

如果你已經準備好讓你的學習旅程翻 10 倍，你可以在 brilliant.org forward slash Nisha 完全免費試用 Brilliant 30 天。

I've also linked it in the description or by scanning the QR code on the screen right now.

我還在說明中或通過掃描螢幕上的二維碼鏈接了它。

You can go through all the content completely for free.

您可以完全免費地瀏覽所有內容。

And if you love it and you want to continue, you can also get 20% off of your annual subscription using the same link.

如果您喜歡並想繼續訂閱，使用同一鏈接還可享受年度訂閱 8 折優惠。

Number 12, diversifying your financial life through multiple income streams.

第 12 項，通過多種收入來源實現財務生活多樣化。

Why?

為什麼？

Because A, most millionaires you meet will have multiple income streams and it really is a cornerstone in building wealth.

因為 A，你遇到的大多數百萬富翁都有多種收入來源，這確實是積累財富的基石。

And B, if one of your income sources take a hit, others can make up for that shortfall, allowing to keep your cash flow healthy.

B. 如果其中一個收入來源受到影響，其他收入來源可以彌補不足，從而使您的現金流保持健康。

Today, my online income comes from things like brand sponsorships, affiliate marketing, YouTube AdSense, investments, my own product.

如今，我的網絡收入來自品牌贊助、聯盟營銷、YouTube AdSense、投資和自己的產品。

If you're wondering about how you can go about creating a second income stream, take stock of your skills, your experience, your interests, and think about how you can goes into a lot more detail about potential ways that you can monetise your passion.

如果你想知道如何才能創造第二收入來源，請總結一下自己的技能、經驗和興趣，並思考如何才能更詳細地瞭解將自己的熱情貨幣化的潛在方式。

But what I want to add here is that fight the temptation to create multiple income streams at the same time.

但我想補充的是，要抵制同時創造多種收入來源的誘惑。

Start with one and then just go from there.

先從一個開始，然後再往下走。

Once that one is self-sustaining, then you can consider moving on to other opportunities.

一旦這個項目能夠自我維持，你就可以考慮轉向其他機會。

Number 13, simplify decision making.

第 13 項，簡化決策。

Steve Jobs was known for wearing his iconic black turtleneck, blue jeans and New Balance trainers.

喬布斯以穿著標誌性的黑色高領毛衣、藍色牛仔褲和 New Balance 運動鞋而聞名。

And then when Mark Zuckerberg came onto the idea, they wore the same outfit each day to reduce decision fatigue, saving their decision making energy for more pressing matters.

後來馬克-扎克伯格提出這個想法後，他們每天都穿同一套衣服，以減少決策疲勞，把決策精力留給更緊迫的事情。

I've applied this to my own life by wearing a select few clothes during my working hours or specifically during when I'm filming content.

我將這一點應用到自己的生活中，在工作時間或特別是拍攝內容時，只穿少數幾件衣服。

By automating these repetitive tasks means there's less friction in me actually sitting here and recording.

將這些重複性的工作自動化，意味著我坐在這裡錄音的摩擦減少了。

It saved me a tonne of time, but also a fair amount of money too.

這不僅節省了我大量的時間，還節省了不少錢。

So think about what areas of your life can you streamline to try and buy back more time and more energy.

是以，想想你可以精簡生活中的哪些方面，以爭取更多的時間和精力。

Number 14, network with intent.

第 14 項，有意識地建立網絡。

I did a podcast recently with Chris Donnelly, who just launched a new business and made 10 million in his first year.

我最近與克里斯-唐納利（Chris Donnelly）一起做了一次播客，他剛剛創辦了一家新企業，第一年就賺了 1000 萬。

And he made a really good point in that podcast where he went through a phase in his business where he was reaching out to 50 or more people a month or asking other people to introduce him to someone.

他在播客中提出了一個非常好的觀點，他在自己的事業中經歷過一個階段，那就是他每個月要接觸 50 個或更多的人，或者請其他人把他介紹給某個人。

And he really stressed the importance of the who factor in everything that we do.

他確實強調了 "誰 "因素在我們所做的一切中的重要性。

So while I did know this was a thing, and I did know the importance of it, the way he scaled his business just made me realise how much of a factor it can be.

是以，雖然我知道這是一個問題，也知道它的重要性，但他擴大業務規模的方式讓我意識到這是一個多麼重要的因素。

I've definitely become a lot more intentional with it now, and I've been putting myself out there more and reaching out more to people who I'd love to connect with.

現在，我肯定會更用心地去做這件事，我也會更多地把自己展示出來，更多地去接觸那些我願意與之交流的人。

You never know who that person can be that can unlock a new opportunity for you.

你永遠不知道誰能為你開啟新的機遇。

And one thing to stress here is that it's not just about what you can get, but also about what you can give.