Name: 按年齡劃分您應該投資多少錢（從 0 美元到百萬富翁） (How Much You Should Invest By Age (from $0 to millionaire))
Uploaded: 2025-07-19T22:11:47.000Z
Duration: 15 min 8 s

動名詞

The average American makes around $45,000.

美國人的平均收入約為 45,000 美元。

未來簡單式

After taxes, it will leave him only with around $38,000.

稅後，他只剩下大約 38 000 美元。

However, by the age of 35, most Americans or the average American has a net worth of around $16,000.

然而，到 35 歲時，大多數美國人或普通美國人的淨資產約為 16 000 美元。

Despite making around $45,000 a year, by the time the average American gets to 35, he first gets into the college and anchors a student debt, and then he needs a car to get around which means that he will get an auto loan, and by the time he gets a mortgage, he's filled in debt, which means that his net worth at this point is entirely negative.

儘管美國人的年收入在 4.5 萬美元左右，但當他們平均年齡達到 35 歲時，他們首先要考上大學並背上學生債務，然後需要一輛汽車代步，這意味著他們將獲得汽車貸款，當他們獲得抵押貸款時，他們已經負債累累，這意味著此時他們的淨資產完全是負數。

However, as he starts paying off a portion of his mortgage, he starts building real equity and his net worth after the age of 35 gets into the positive side, which allows him to build real wealth.

然而，隨著他開始償還部分房貸，他開始積累真正的資產淨值，35 歲以後他的淨資產就會進入正值，從而積累真正的財富。

Buying a house is the ultimate way to build wealth.

Since house prices grow on average between 3-5% if you take out 2020 and 2021 when they have been growing by over 20% annually.

因為如果剔除 2020 年和 2021 年房價年增長率超過 20% 的情況，房價的平均增長率在 3-5% 之間。

Which means that by the time the average American retires at the age of 50, 60, or 70, he will end up with a house that's worth around $500,000 up to a few million dollars which can potentially make him a multimillionaire by making the right investment of buying that house as early as possible.

這意味著，當普通美國人在 50、60 或 70 歲退休時，他將擁有一套價值約 50 萬美元到幾百萬美元的房子，如果儘早購買這套房子並進行正確的投資，他將有可能成為千萬富翁。

However, house prices have grown so much that the median house today is around $416,000 which is 11 times the average income.

然而，房價增長如此之快，以至於今天的房屋中位數約為 41.6 萬美元，是平均收入的 11 倍。

The vast majority of people simply won't be able to buy a house.

But because we usually consider the household income, and that means that two people are working to be able to buy one house, it makes it a bit much easier.

但由於我們通常考慮的是家庭收入，這意味著兩個人工作就能買一棟房子，這就使情況變得容易了一些。

In fact, house prices have grown so much, or in other words, the dollar was devalued over the last 2-3 decades to the point where somebody with a $45,000 income can only afford a $200,000 house.

事實上，房價已經增長了很多，或者換句話說，在過去的二三十年裡，美元貶值到了一個收入為 45,000 美元的人只能買得起 20 萬美元的房子的地步。

And let's be honest, what can you possibly afford with that $200,000?

老實說，20 萬美元你能買得起什麼呢？

And that led a lot of people to ask the most basic question, what if there is an alternative way to build wealth?

這讓很多人提出了一個最基本的問題：如果有其他積累財富的方法呢？

How do these top 1% build their wealth that they end up with millions of dollars while the average American barely gets a $200,000 house by the time he retires?

這些最富有的 1%的人是如何積累財富，最終擁有數百萬美元的財富，而普通美國人退休時卻只能勉強擁有一套 20 萬美元的房子？

What if there is a much better way to build wealth instead of the one that Americans have been using the last 100 years by buying a house.

如果有更好的方法來積累財富，而不是美國人過去 100 年來一直使用的買房方法，那又會怎樣呢？

Now let's take a hypothetical example and imagine that instead of buying a house, or income into investing in the stock market.

現在，讓我們舉一個假設的例子，想象一下，你沒有買房子，也沒有投資股市的收入。

Let's assume that we have 4 people and all of them plan to retire at the age of 65.

假設我們有 4 個人，他們都計劃在 65 歲退休。

The first one is John who just recently turned 20 and he has plenty of time to start investing.

第一位是剛滿 20 歲的約翰，他有足夠的時間開始投資。

The second one is Peter, he is 30 years old and he finally came across our channel and realized the importance of investing and he is like, yes, I will start investing.

第二位是彼得，他今年 30 歲，終於接觸到了我們的頻道，意識到了投資的重要性，他想，是的，我要開始投資了。

Our third friend is Mike who is 40 years old.

我們的第三個朋友是 40 歲的邁克。

He is far behind everyone else but as they say, the best time to plant a tree was yesterday and the second best time is today.

他遠遠落後於其他人，但俗話說，種樹的最佳時機是昨天，其次才是今天。

And our final person is Alex who is 50 years old.

He knows that he doesn't have plenty of time but he has plenty of experience behind him.

他知道自己時間不多，但他有豐富的經驗。

All of them will be investing the exact same amount, $500 per month.

他們的投資額完全相同，都是每月 500 美元。

John will be the longest in the market for over 45 years since he is 20 and by the time he will be 65, he has an entire life to live in.

約翰從 20 歲開始，在市場上的時間最長，將超過 45 年，到 65 歲時，他將有一整個人生。

Over the course of 45 years, he will be investing $270,000.

在 45 年的時間裡，他將投資 27 萬美元。

While that seems like a lot of money, that's the kind of money that you can put for a down payment for a decent house, he will be investing all of that money through a period of 45 years into the stock market.

雖然這看起來是一大筆錢，但你可以用這筆錢付一棟像樣的房子的首付，他將在 45 年的時間裡把這筆錢全部投入股市。

All of them will be investing in the most safest investment possible in the stock market.

他們都將在股票市場上進行最安全的投資。

We are not talking about one particular stock.

All of them will be investing into the S&P 500 that proved to be over the long run to provide you with a return of investment of 10% annually.

他們都將投資於標準普爾 500 指數，長期來看，該指數可為您提供每年 10%的投資回報。

By the time he is going to retire at 65 years old, he will be sitting on 3.5 million dollars.

到他 65 歲退休時，他將坐擁 350 萬美元。

Yes, he has invested $270,000, but now this investment has turned into 3.5 million dollars, which gave him an investment growth of over 3 million dollars and 170 thousand dollars.

是的，他投資了 27 萬美元，但現在這筆投資變成了 350 萬美元，他的投資增長了 300 多萬美元和 17 萬美元。

So with just $500 investment per month, our friend John can simply retire.

是以，只需每月投資 500 美元，我們的朋友約翰就可以輕鬆退休了。

Even if he withdraws 5% annually from his investment portfolio, his money is not going to deteriorate year by year, in fact, it will continue to grow and will still provide him with at least $150,000 of annual income.

即使他每年從投資組合中提取 5%的資金，他的錢也不會逐年減少，事實上，這筆錢還會繼續增長，每年仍可為他提供至少 15 萬美元的收入。

And if you check that income and compare it to how much the average American is making today which is around $45,000 and after taxes $38,000, that probably puts him at the top 5% of the highest earners.

如果將這一收入與目前美國人的平均收入（約 4.5 萬美元，稅後 3.8 萬美元）進行比較，他的收入可能屬於收入最高的前 5%。

Our second friend, Peter, who is 30 years old, who also will be investing $500 per month.

我們的第二位朋友彼得今年 30 歲，也將每月投資 500 美元。

Now he will be in the market for a slightly shorter period of time of 35 years.

現在，他進入市場的時間將稍短一些，為 35 年。

Do you see that the difference between these two people investing is very small because both of them are investing $500 per month.

你看到了嗎，這兩個人的投資差距非常小，因為他們都是每月投資 500 美元。

However, if you look at the difference, at the final value, you will be shocked.

然而，如果你看看最終價值的差異，你會大吃一驚。

John will make 3 times the amount that Peter is going to make.

Yes, Peter will also end up with over a million dollars in his portfolio, but now compare a million dollars with 3.5 million dollars.

是的，彼得的投資組合中最終也會有超過一百萬美元，但現在將一百萬美元與 350 萬美元進行比較。

However, one started in his 30s while the other started in his 20s.

不過，一個人從 30 多歲開始，而另一個人則從 20 多歲開始。

That's the kind of difference that it can possibly make.

But what about Mike who is 40 years old and he will be in the market just 25 years.

但是，邁克今年 40 歲，他進入市場的時間只有 25 年。

He will be investing over the course of his career $150,000.

他將在職業生涯中投資 15 萬美元。

Which seems like a lot of money to be honest.

But again, if you compare it to how much Peter is investing, $150,000 compared to $260,000 or $10,000 isn't that big of a difference.

但同樣，如果與彼得的投資額相比，15 萬美元與 26 萬美元或 1 萬美元的差距並不大。

The final value at the age of 65 for Mike will be $400,000.

邁克 65 歲時的最終價值為 40 萬美元。

He won't even make half a million dollars, simply of a 10 years difference.

他甚至賺不到 50 萬美元，僅僅是 10 年的差距。

Now compare how much Mike is making to John at over 3.5 million dollars.

現在來比較一下邁克的收入和約翰 350 多萬美元的收入。

And his investment is going to grow by $259,000, again a third of what Peter is making.

他的投資將增長 25.9 萬美元，同樣是彼得收入的三分之一。

Now let's go to our final friend who is Alex in his 50s.

最後一位朋友是 50 多歲的亞歷克斯。

He will be 15 years in the market, since he is 50, he will retire at 65, he is 15 years in the market.

因為他 50 歲，他將在 65 歲退休，所以他在市場上的時間是 15 年。

Now $90,000 might seem like a lot of money, but what is $90,000?

現在看來，9 萬美元似乎是一大筆錢，但 9 萬美元是什麼呢？

Most people can make that in a single year.

大多數人都能在一年內做到這一點。

His $90,000 are probably almost going to double over this period and he will retire with $158,000.

在此期間，他的 90,000 美元可能幾乎會翻一番，他退休時將有 158,000 美元。

I want you to pay attention how much of a difference does it make when you start early.

我希望你們注意，早開始會有多大的不同。

The exact same $500 per month is going to make John a multi-millionaire with over 3.5 million dollars in his portfolio while Alex will retire with less than $200,000.

同樣是每月 500 美元，約翰將成為擁有 350 多萬美元投資組合的千萬富翁，而亞歷克斯退休後將擁有不到 20 萬美元。

In fact John can even sell a portion of his income and buy a house.

事實上，約翰甚至可以賣掉一部分收入來買房子。

Or maybe even John can probably buy a house or take a mortgage when he is 25, 30 or 35 years old and end up with 3.5 million dollars and a house.

也許約翰在 25 歲、30 歲或 35 歲時就可以買房或抵押貸款，最終擁有 350 萬美元和一棟房子。

The only difference is that one person thought about it very early and started investing even a small amount of money into the market as early as he possibly can.

唯一不同的是，有一個人很早就想到了這一點，並儘可能早地開始將哪怕是少量的資金投入市場。

Einstein called compound interest as the 8th wonder of the world.

愛因斯坦把複利稱為世界第八大奇蹟。

Because it allows your money to earn more money.

因為它能讓你的錢賺更多的錢。

Now if $500 in the beginning doesn't seem like a lot of money, because it's not a lot of money, over time your $500 will earn $1.

現在，如果 500 美元在開始時看起來並不是很多錢，因為它並不是很多錢，但隨著時間的推移，你的 500 美元將賺取 1 美元。

And over time it's going to compound and compound and compound.

隨著時間的推移，情況會越來越複雜。

And based on the rule of 72, if you are making 10% annually, every 7 years, your money is going to double.

根據 "72法則"，如果你每年賺10%，那麼每7年，你的錢就會翻一番。

So when $1000 doubles, it's not a lot of money.

是以，當 1000 美元翻倍時，它就不是一筆大錢了。

When $10,000 doubles into $20,000, it's slightly more meaningful but it's not really a lot of money.

當 10,000 美元翻倍成 20,000 美元時，它的意義就稍微大了一些，但實際上並不是很多錢。

10 萬美元翻一番，就是 20 萬美元。

When $1 million doubles, it's already $2 million.

當 100 萬美元翻倍時，就已經是 200 萬美元了。

It's the kind of money that can change your life.

So the longer it's in the market, the faster it's going to double and the wealthier you're going to get.

是以，它在市場上的時間越長，翻倍的速度就越快，你就會變得越富有。

And that is the fundamental difference why the rich people keep getting richer while the vast majority of people look at the top 1% and cannot possibly realize what exactly is happening.

這就是為什麼富人越來越富，而絕大多數人只看到最富有的 1%，卻不可能意識到到底發生了什麼的根本區別。

Now let's try to answer a very basic question.

現在，讓我們試著回答一個非常基本的問題。

How much of monthly investment is it required for anybody to retire with a million dollars assuming that they will retire at the age of 65?

假定任何人在 65 歲退休，每月需要投資多少才能獲得一百萬美元？

If John wants to retire with a million dollars at the end of the day, he will have only to invest $165 per month.

如果約翰想在退休後擁有一百萬美元，他每月只需投資 165 美元。

That's basically not buying a Starbucks coffee every morning and instead of taking that money and investing into the stock market.

這基本上就是每天早上不買星巴克咖啡，而是把錢拿去投資股市。

And you will retire with a million dollars.

退休後，你將擁有一百萬美元。

I'm not telling you that you should stop buying Starbucks coffee, but I simply want you to imagine how much of a difference it's going to make.

我並不是告訴你應該停止購買星巴克咖啡，我只是想讓你想象一下這將會帶來多大的變化。

If Peter wants to retire with a million dollars, he will have to invest triple this amount at $440 already per month to be able to retire with a million dollars.

如果彼得想用一百萬美元退休，那麼他必須以每月 440 美元的價格投資三倍於這一數額的資金，才能用一百萬美元退休。

Simply because John started much earlier, he has this huge advantage.

只因為約翰起步更早，所以他擁有巨大的優勢。

And in his thirties, he will be able to continue simply investing $165 and still retire with a million-dollar portfolio.

而到了三十多歲，他還能繼續簡單地投資 165 美元，退休後仍能擁有百萬美元的投資組合。

If Mike decides to retire with a million-dollar portfolio, he has to invest $1200 per month.

如果邁克決定退休後擁有百萬美元的投資組合，他每月必須投資 1200 美元。

That is 8 times the amount that John has to invest.

And finally, Alex will have to invest triple this amount at $3200 to be able to retire with a million dollars when he is 65 years old.

最後，亞歷克斯必須投資三倍於這一數額的 3200 美元，才能在 65 歲退休時擁有一百萬美元。

And the only difference between these four people is that the longer you are in the market, the more money you are going to make.

而這四個人之間唯一的區別就是，你在市場上的時間越長，你賺的錢就越多。