In fact, some of the most financially secure people I know don't earn huge paychecks.

事實上，我認識的一些經濟上最有保障的人並不掙大錢。

They've just mastered the secret to making their money work for them.

他們剛剛掌握了讓錢為自己工作的祕訣。

And that's exactly what we're going to do.

這正是我們要做的。

In the next 10 minutes, I'm going to show you how you can completely transform your financial life in just six months by following a clear month-by-month plan.

在接下來的 10 分鐘裡，我將向你展示如何通過制定清晰的逐月計劃，在短短六個月內徹底改變你的財務生活。

It's the same blueprint that's helped thousands of people go from paycheck-to-paycheck living to building real wealth.

正是這個藍圖幫助成千上萬的人從 "靠工資生活 "轉變為積累真正的財富。

If we're new here, hi, I'm Nisha.

如果我們是新來的，你好，我是妮莎。

I qualified accountant and a former investment banker.

我是一名合格的會計師，也曾是一名投資銀行家。

And on this channel, we talk about all things personal finance and self-development.

在這個頻道里，我們談論個人理財和自我發展的所有事情。

Let's start.

讓我們開始吧。

Month number one.

第一個月

Have you ever heard of the ostrich effect?

你聽說過鴕鳥效應嗎？

This is a psychological bias where people actively avoid information that makes them uncomfortable, especially when it comes to money.

這是一種心理偏差，人們會主動迴避讓自己不舒服的資訊，尤其是涉及金錢的資訊。

So if you think about it, have you ever delayed checking your bank account after a weekend of spending or ignored a credit card statement because you just didn't want to see the damage?

是以，仔細想想，你是否曾在週末消費後延後查看銀行賬戶，或者因為不想看到損失而忽略信用卡賬單？

That is the ostrich effect of action.

這就是行動的鴕鳥效應。

Our brains convince us that if we don't look, the problem somehow doesn't exist.

我們的大腦讓我們相信，如果我們不看，問題就不存在。

The irony is that avoidance actually makes things worse.

具有諷刺意味的是，逃避實際上會讓事情變得更糟。

Stress builds up in the background, small issues snowball into bigger ones, and before you know it, you feel completely out of control.

壓力不斷積聚，小問題越滾越大，不知不覺中，你就會感到完全失控。

But the moment you face your finances head on, something shifts.

但是，當你直面財務問題的那一刻，有些東西就會發生變化。

Clarity replaces anxiety.

清晰取代焦慮

What if replaces what's next?

如果 "取代了 "下一步是什麼？

So this month, month number one, is all about ripping off that band-aid and taking full control.

所以，這個月，第一個月，就是要撕掉Ok繃，完全掌控一切。

Step one, calculate your core four numbers.

第一步，計算你的四個核心數字。

These are the only four numbers you really need to focus on at this stage.

在現階段，您真正需要關注的只有這四個數字。

The first is your net income.

首先是您的淨收入。

So that is the amount that comes into your bank account after tax.

這就是稅後進入您銀行賬戶的金額。

Essentially, your take-home pay.

基本上就是你的實得工資。

Secondly, your fundamental expenses.

第二，您的基本開支。

So your rent or mortgage, your bills, food, i.e. groceries, transportation, anything that is fundamental to your day-to-day living.

是以，您的房租或抵押貸款、賬單、食品（即日用品）、交通以及任何與您的日常生活息息相關的東西。

Then your future you.

那就是未來的你。

Any money that is already going towards savings and investments.

任何已經用於儲蓄和投資的錢。

That thing you need to know.

你需要知道的那件事

And finally, your fun spending.

最後是你的娛樂消費。

The spending that's left over for the little pleasures in life that make it that much more fun.

剩下的花銷可以用來享受生活中的小樂趣，讓生活變得更加有趣。

This, when you start doing, is going to make you feel a bit uneasy.

這一點，當你開始做的時候，會讓你感到有些不安。

You might discover you're spending more on dining out than you realised, or that your subscription services are eating up a significant portion of your income.

您可能會發現，您在外出就餐上的花費比您意識到的要多，或者您的訂閱服務佔用了您收入的很大一部分。

But at this step, knowledge is power, and you'll see in the rest of the video why what we're doing in month one is so foundational.

但在這一步，知識就是力量，你會在視頻的其餘部分看到為什麼我們在第一個月所做的事情如此重要。

To make this process easier, I recommend using an app or a spreadsheet, ideally one that does the calculations for you.

為了讓這一過程更輕鬆，我建議使用一個應用程序或電子表格，最好是能幫你進行計算的應用程序或電子表格。

And it's really easy to use because the last thing you need when you're doing something that feels like a chore is using a tool that makes it even worse.

它非常易於使用，因為當你在做一件感覺很麻煩的事情時，你最不需要的就是使用一種會讓事情變得更糟的工具。

You just won't do it.

你就是不幹。

Less friction is key.

減少摩擦是關鍵。

If you want to use my Intentional Spending Tracker, it's linked in the description, and it comes with a step-by-step video on how to set it up as well.

如果你想使用我的 "用心消費追蹤器"，它的鏈接就在描述中，而且還附有如何設置的分步視頻。

Moving on to month number two.

接下來是第二個月。

This month, your goal is simple.

這個月，你的目標很簡單。

Save one month's worth of your fundamental expenses.

節省一個月的基本開支。

So if your fundamental cost that you calculated throughout month one is 2,500, that's your target amount to save up.

是以，如果你在第一個月計算出的基本費用是 2,500 美元，這就是你要攢下的目標金額。

I know it sounds like a lot, but this one step alone moves you into the top percentile of people who actually take control of their money.

我知道這聽起來很多，但僅這一步就能讓你成為真正掌控自己金錢的人中的佼佼者。

A lot of people don't get to the stage, not because they can't cut back, but because their brain fights against it.

很多人沒有達到這個階段，不是因為他們不能減少，而是因為他們的大腦與之對抗。

Humans are wired for immediate gratification, which makes saving feel like a loss.

人類的天性是急功近利，這讓人覺得儲蓄是一種損失。

But here's the reframe.

但這裡有一個重構。

You're not depriving yourself, you're buying freedom.

你不是在剝奪自己，而是在購買自由。

So for the next month, go all in.

是以，在接下來的一個月裡，要全力以赴。

Cancel subscriptions that you barely use.

取消幾乎不用的訂閱。

Cook at home instead of eating out.

在家做飯而不是外出就餐。

Pause non-essential purchases.

暫停非必要的採購。

And just know that this hit that you're taking in this month is temporary.

你要知道，這個月你受到的打擊只是暫時的。

If saving that amount in one month feels too aggressive, spread it out to two months or three months.

如果覺得一個月存這麼多錢太激進，可以把它分攤到兩個月或三個月。

But be honest with yourself.

但要對自己誠實。

Don't use a stretched-out timeline as an excuse to keep spending unnecessarily, because the faster you build this, the sooner you break free from the paycheck-to-paycheck cycle.

不要把拉長的時間表作為繼續不必要消費的藉口，因為你越快建立起這個時間表，你就能越快擺脫 "工資到工資 "的循環。

Moving on to month three.

進入第三個月。

Tackle bad debt and start building your emergency fund.

解決壞賬問題，開始建立應急基金。

Most people try to save and pay off debt at the same time, but end up spinning their wheels.

大多數人都試圖同時儲蓄和還債，但最終都是徒勞無功。

That's likely because they treat all debt as equal and they don't know what to target first.

這很可能是因為他們對所有債務一視同仁，不知道該首先針對什麼。

We need to separate the types of debt out.

我們需要將債務類型區分開來。

Some debt, like mortgage or student loans, can be seen as good debt.

有些債務，如按揭貸款或學生貸款，可以被視為好債務。

And other types of debt, like credit cards, consumer loans, they're seen as bad debt.

而其他類型的債務，如信用卡、消費貸款，則被視為壞賬。

It's stopping you from moving forward and comes with really high interest rates.

它阻止了你前進的腳步，還伴隨著非常高的利息。

So here's the plan.

計劃是這樣的

Rank your debt in terms of interest rate from highest to lowest.

將您的債務按利率從高到低排列。

For the debt that's over 8%, prioritise paying off ASAP in that order that you listed.

對於超過 8%的債務，按照你列出的順序優先儘快償還。

It's the fastest way out.

這是最快的出路。

How much can you put towards this debt?

你能為這筆債務投入多少錢？

Well, you've already calculated what you have left over from the tracker you filled out in month one.

那麼，你已經計算出了你在第一個月填寫的跟蹤表中的剩餘金額。

It's the number that you have left after paying for all your fundamental expenses.

這是您支付所有基本開支後剩下的數字。

Take as much of that number as possible and channel it straight into your high-interest debt repayment plan.

儘可能多地將這一數字直接用於你的高息債務償還計劃。

Once you've cleared out your high-interest rate debt, instead of paying down the rest of your debt, shift your focus to securing your emergency fund.

一旦你還清了高利率債務，與其償還其他債務，不如把重點轉移到確保應急基金的安全上。

This way, you're making faster progress.

這樣，你的進步就會更快。

Start by saving three to six months of your fundamental expenses.

從儲蓄三到六個月的基本開支開始。

So if you have a stable job, aim for three months to start with.

是以，如果您有一份穩定的工作，可以先以三個月為目標。

If your income is unpredictable, go straight towards the six months.

如果您的收入無法預測，請直接選擇六個月。

But don't get stuck here forever.

但不要永遠困在這裡。

A lot of people pause their financial growth to keep stacking cash.

很多人暫停財務增長，繼續堆積現金。

Instead, in month four, you want to start investing whilst building out the rest of your emergency fund.

相反，在第四個月，你要開始投資，同時積累應急基金的剩餘資金。

And by the way, this emergency fund needs to be easily accessible but not too accessible.

順便說一句，這筆應急基金要方便使用，但又不能用得太多。

So the best place is a high-interest savings account.

是以，高息儲蓄賬戶是最佳選擇。

It takes 10 minutes to set this up.

只需 10 分鐘即可完成設置。

If you don't know what account to use, watch this video right here on things to look out for when choosing.

如果您不知道使用什麼賬戶，請觀看這段視頻，瞭解選擇時應注意的事項。

Don't laugh at how awkward I was in that video.

別笑我在視頻裡有多尷尬。

It's one of the first videos I recorded on this channel, but it's a good one.

這是我在這個頻道上錄製的第一批視頻之一，但很不錯。

So month number four, start investing whilst you're topping up the rest of your emergency fund.

是以，第四個月，在充實應急基金的同時開始投資。

A lot of people think investing is complicated, risky, or something you do after you've saved for years.

很多人認為投資很複雜、有風險，或者是你存了很多年錢之後才做的事情。

But the truth is that the sooner you start, the more wealth you'll build.

但事實上，你越早開始，就能積累越多的財富。

So first thing, you want to make sure that you're maxing out your employer's benefits.

是以，首先，你要確保你的僱主為你提供了最多的福利。

This is the easiest form of free money.

這是最簡單的免費賺錢方式。

If your employer offers a retirement match, contribute enough to get it.

如果您的僱主提供退休匹配金，請繳納足夠的金額以獲得匹配金。

It's literally free money and 100% return on your contributions.

這簡直就是免費的錢，您的捐款將獲得 100% 的回報。

If you skip this, you're leaving money on the table.

如果跳過這一點，就等於把錢留在了桌子上。

Step two, open a tax-advantaged investment account.

第二步，開設稅收優惠投資賬戶。

Where you invest matters just as much as what you invest in.

投資地點和投資內容同樣重要。

So if you're in the UK, open up a Stocks and Shares ISA.

是以，如果您在英國，請開設股票和股票 ISA。

That's a tax-free investment account.

這是一個免稅投資賬戶。

If you're in the US, it's eRoth IRA.

如果您在美國，那就是 eRoth IRA。

That's a tax-free retirement savings account.

這是一個免稅的退休儲蓄賬戶。

You'll have different ones depending on the country that you're in.

根據您所在國家的不同，您會有不同的選擇。

These accounts let you keep more of your gains instead of losing them to tax.

這些賬戶可讓您保留更多收益，而不是因繳稅而損失。

Step three, invest in broad market funds.

第三步，投資廣義市場基金。

Keep it really simple.

簡單明瞭。

You don't need to pick stocks.

你不需要挑選股票。

In fact, most pros can't even beat the market consistently.

事實上，大多數專業人士甚至無法持續戰勝市場。

So instead, invest in index funds and ETFs.

是以，應投資於指數基金和 ETF。

They spread your risk across hundreds of thousands of companies.

它們將您的風險分散到成千上萬家公司。

The S&P 500 alone has averaged a 10.5% annual return over the last 20 years.

在過去 20 年中，僅標準普爾 500 指數的年平均回報率就達到了 10.5%。

That's the power of long-term investing.

這就是長期投資的力量。

And step four, keep building out your emergency fund without missing out on investing.

第四步，不斷積累應急基金，同時不忘投資。

You don't have to choose between saving and investing.

您不必在儲蓄和投資之間做出選擇。

You can do both.

你可以兩者兼顧。

So at first, you'll want to prioritise your emergency fund.

是以，一開始，你要優先考慮你的應急基金。

Then you might want to shift to 70% going towards your emergency fund and 30% going towards investing.

然後，您可能需要將 70% 的資金用於應急基金，30% 用於投資。

Then 50-50.

那就五五分成。

And then once you've built up your emergency fund, you can focus 100% on wealth building.

一旦你建立了應急基金，你就可以百分之百地專注於財富積累。

This way, you're always moving forward, building security and growing wealth at the same time.

這樣，您就能始終向前邁進，同時建立安全感和增加財富。

Month five, increase your income.

第五個月，增加收入。

Every job should give you one of two things, a learning opportunity or an earning opportunity.

每份工作都應該給你提供兩種機會，一種是學習機會，一種是賺錢機會。

Ideally, you want both.

理想情況下，兩者都要。

But if you're getting neither, you want to do something about it.

但如果兩者都沒有，你就想做點什麼。

Either negotiate a pay rise or start exploring better paying opportunities.

要麼協商加薪，要麼開始尋找薪酬更高的機會。

In most cases, switching jobs is the fastest way to increase your income.

在大多數情況下，換工作是增加收入的最快途徑。

And to really drive this point home, I've got a video breaking down my salary year by year for the nine years I spent in investment banking.

為了讓大家真正明白這一點，我製作了一個視頻，逐年分解我在投資銀行工作九年的薪水。

And you'll see exactly where the biggest pay jumps came.

你會發現，最大的薪酬跳躍究竟來自哪裡。

And that's why I'm saying this.

這就是我說這些話的原因。

If you're underpaid or undervalued, don't just wait for your employer to notice.

如果你的工資過低或價值被低估，不要只等著你的僱主發現。

Make the move that benefits you.

採取對你有利的行動。

And if you want to try something new, create a side income, sell a skill, start freelancing, monetise a hobby or build an online income stream.

如果你想嘗試新事物、創造副業收入、出售一技之長、開始自由職業、將業餘愛好貨幣化或建立在線收入流。

Even an extra 200, 300 a month can massively speed up your savings and investments.

即使每月多花 200 或 300 元，也能大大加快儲蓄和投資的速度。

So that's month five, increasing your income.

這就是第五個月，增加你的收入。

And then we're on to month six, automate and optimise.

然後是第六個月，自動化和優化。

Have you ever heard of decision fatigue?

你聽說過決策疲勞嗎？

It's a psychological phenomenon where the more choices that we make in our day, the worse our decisions become.

這是一種心理現象，即我們每天做出的選擇越多，我們的決定就越糟糕。

And by the time we get to the end of the day, our brains are so exhausted.

當我們結束一天的工作時，大腦已經疲憊不堪。

And so we default to whatever is easiest, whether that's skipping the gym, ordering a takeout or just ignoring our finances.

是以，我們會選擇最簡單的方式，無論是不去健身房、叫外賣還是忽略財務狀況。

And that's exactly why automation is one of the most powerful things that you can do for your finances.

這也正是為什麼自動化是你能為財務做的最強大的事情之一。

When you rely on manual decisions to save, invest or pay bills, you leave room for inconsistency.

當你依靠人工決定儲蓄、投資或支付賬單時，就會留下不一致的空間。

Some months you'll be on top of that and then other months when life gets busy, you'll fall behind.

有些月份你會做得很好，但有些月份當生活變得忙碌時，你就會落後。

That's why the secret to financial success isn't discipline, it's removing the need for discipline altogether.

這就是為什麼財務成功的祕訣不是紀律，而是完全不需要紀律。

So in this month, we're doing two things.

是以，在這個月裡，我們要做兩件事。

First, we're automating your entire money system, bills and fixed expenses.

首先，我們將您的整個資金系統、賬單和固定支出自動化。

You want to set up direct debits for rent, for mortgage, for utilities, for insurance, for debt repayments.

您想為房租、房貸、水電費、保險和債務償還設置直接借記。

This prevents late fees and also protects your credit score.

這樣可以避免逾期費用，還能保護您的信用評分。

Then you will automate your savings and investments, schedule automatic transfers to your savings, your investment accounts, your retirement fund.

然後，您將自動進行儲蓄和投資，安排儲蓄、投資賬戶和退休基金的自動轉賬。

And you already know what you can set up in this stage because you've already figured out what your finances look like.

你已經知道在這個階段可以設置什麼，因為你已經想好了自己的財務狀況。

You know how much you need for your fundamental living expenses.

你知道自己需要多少錢來支付基本生活費用。

And so you know what percentage you have available to be able to allocate towards your savings investments.

這樣你就知道自己有多大比例的資金可以用於儲蓄投資。

And you want to pay yourself first.

你要先給自己發工資。

You want to put that into your own pocket before paying anyone else.

你要先把錢放進自己的口袋，然後再付錢給別人。

And then the rest is your everyday spending.

剩下的就是你的日常開支了。

Use a separate account or a card for your fund money, your daily expenses.

使用單獨的賬戶或卡來存放您的基金資金和日常開支。

This makes budgeting effortless because when the money's gone, you know that it's gone.

這樣就可以毫不費力地編制預算，因為錢花完了，你就知道它花完了。

The second thing you want to do is review and adjust your financial plan because your financial plan isn't set in stone.

你要做的第二件事就是審查和調整你的財務計劃，因為你的財務計劃並不是一成不變的。

Your income changes, your expenses shift, your goals evolve.

你的收入在變化，你的支出在變化，你的目標也在變化。

Continuously check in with yourself and ask yourself, are my automated savings and investments still aligned with my goals?

不斷檢查自己，問自己：我的自動儲蓄和投資是否與我的目標保持一致？

Has my income increased?

我的收入增加了嗎？

If so, can I increase my savings rate?

如果是，我能提高儲蓄率嗎？

The financial world is constantly evolving.

金融世界在不斷髮展。

New investment opportunities, tax laws, money-saving strategies emerge all the time.

新的投資機會、稅法和省錢策略層出不窮。

So the more you educate yourself, the better equipped you'll be to capitalise on smart financial moves.

是以，你對自己的教育越多，你就越有能力採取明智的理財措施。

To stay up to date, you could always subscribe to this channel.

要想了解最新資訊，您可以隨時訂閱本頻道。

I upload a new video every Sunday, well, most Sundays, with the primary goal of helping you take control of your money and ultimately your entire financial life.

我每週日都會上傳一段新視頻，大部分週日都是如此，主要目的是幫助你掌控自己的金錢，並最終掌控你的整個財務生活。

And then I also throw some self-development in there too.

然後，我也會在其中加入一些自我發展的內容。

So if you haven't already, you can click the button below to subscribe and I'll see you next Sunday.

如果您還沒有訂閱，可以點擊下面的按鈕訂閱，我們下週日見。