Name: "大多數人都不知道英國即將發生什麼" (“Most People Have No Idea What’s About To Happen To The UK”)
Uploaded: 2025-07-26T18:45:30.000Z
Duration: 16 min 56 s

The British economy is in a dire situation.

情態助動詞 A2

The cost of living is rising, life becomes unbearable, and the government can't fill the budget.

生活成本不斷上漲，生活變得難以承受，而政府卻無法填補預算。

動名詞

Which is why a lot of people started throwing the idea of introducing the wealth tax.

這就是為什麼很多人開始提出開徵財富稅的想法。

At the end of the day, the top 10% of British people own 50% of the entire wealth, while the bottom 50% owns almost nothing.

說到底，英國收入最高的 10%的人擁有全部財富的 50%，而收入最低的 50%的人幾乎一無所有。

So you can't force these people to pay more taxes, but you can always tax the rich in order to fill the budget of the government.

是以，你不能強迫這些人繳納更多的稅，但你總是可以向富人徵稅，以填補政府的預算。

But what if I told you that a wealth tax isn't going to solve any problem.

但如果我告訴你，財富稅並不能解決任何問題呢？

In fact, the wealth tax is going to destroy the British economy, and it's not just the rich people will become poor, but everyone else will become significantly poor and the entire government can collapse.

事實上，財富稅會摧毀英國經濟，不只是富人會變窮，其他人都會明顯變窮，整個政府都可能崩潰。

If you think that I am exaggerating, let me explain.

如果你認為我誇大其詞，請聽我解釋。

On one side, the cost of living is rising dramatically, and that is true.

一方面，生活成本急劇上升，這是事實。

Over the last 3 years alone, the cost of living has risen by 20 percent, and that's not including 2024 to 2025.

僅在過去 3 年裡，生活成本就上漲了 20%，這還不包括 2024 至 2025 年。

If you also include that, then the prices have risen so much that people can barely make it to the ends meet.

如果把這些也算進去，那麼物價上漲的幅度之大，已經讓人們入不敷出了。

And if you look at the CPI reports, then it has been rising between 7 to 8 percent over the last couple of years, and inflation right now is about 3.7 percent.

如果你看一下消費物價指數的報告，那麼在過去幾年裡，它的漲幅一直在 7% 到 8% 之間，而現在的通脹率約為 3.7%。

Prices on services has risen even faster than that, at 5.7 percent.

服務價格的上漲速度甚至比這更快，達到了 5.7%。

On the other side, if you look at the government's budget, you see that there is a deficit of 137 billion pounds.

另一方面，如果你看看政府的預算，就會發現赤字高達 1370 億英鎊。

Which means that the government is spending way more than it's receiving in taxes, which is why it's going through a crisis.

這意味著政府的支出遠遠超過了稅收收入，這也是政府正在經歷危機的原因。

However, if you look at the people who are actually paying taxes, you will be amazed that the top 1 percent of British households are paying literally a third of all the taxes in the country.

然而，如果你看看那些真正納稅的人，你就會驚訝地發現，英國家庭中收入最高的 1%的人所繳納的稅款幾乎佔全國總稅款的三分之一。

So the top 1 percent is literally paying most of the taxes in the country.

是以，最高的 1%的人實際上支付了全國大部分的稅收。

And if you also include the top 10 percent of all the British households, suddenly you find out that they pay 60 percent of the entire taxes.

如果再算上英國所有家庭中收入最高的 10%，你會突然發現，他們繳納的稅款佔整個稅款的 60%。

However, the bottom 50 percent are paying less than 10 percent of the entire budget.

然而，底層 50% 的人所支付的費用還不到整個預算的 10%。

In other words, rich people are financing the entire government.

換句話說，富人在為整個政府提供資金。

The top 10 percent of the British households are paying for the government to function.

英國收入最高的 10% 的家庭正在為政府的運作買單。

If you remove the top 10 percent and how much taxes are contributing to the country, then the bottom 50 percent are not going to survive.

如果剔除收入最高的 10%的人以及他們對國家的稅收貢獻，那麼收入最低的 50%的人將無法生存。

現在你又想向他們徵收更多的稅。

I would understand that by taxing them more is going to solve the problem, but here is why that is a horrible idea.

我明白向他們徵收更多的稅就能解決問題，但這是一個可怕的想法。

You first have to understand how money is basically made and there are two ways to do that.

首先，你必須瞭解錢基本上是怎麼賺來的，有兩種方法可以做到這一點。

On one side, people get a fixed income or any kind of income, and that's how most people generate their money.

一方面，人們可以獲得固定收入或任何形式的收入，這也是大多數人的生財之道。

You have your job, you go to your job, and every week or every month you are getting paid a fixed income.

你有自己的工作，你去上班，每週或每月都有固定的收入。

You can also make an income from a business, that's what we call a dividend.

您也可以從企業中獲得收入，這就是我們所說的分紅。

That is pure cash getting from your job or a business directly into your pocket.

這就是從你的工作或企業直接進入你口袋的純現金。

The more money pours into your pocket, the more taxes you pay.

流入你口袋的錢越多，你繳納的稅就越多。

If you are making 10 thousand dollars or 10 thousand pounds in this case, then you are not paying much in taxes.

在這種情況下，如果你的收入是 1 萬美元或 1 萬英鎊，那麼你繳納的稅款並不多。

But if you are getting a million pounds into your pocket every month or every year, then you are paying a lot of taxes.

但是，如果你每個月或每年都有一百萬英鎊進賬，那麼你就得交很多稅。

On the other side, there is a second way to make money, and that is wealth.

另一方面，還有第二種賺錢方式，那就是財富。

Wealth isn't direct cash that gets into your pocket.

財富並不是直接進入你口袋的現金。

It is the real assets that are under your name that depreciate in value over time.

隨著時間的推移，您名下的實際資產才會貶值。

Now the value of your house might have risen 2 times or 3 times or might have tripled over the last couple of years.

現在，您房子的價值在過去幾年裡可能上漲了 2 倍、3 倍或 3 倍。

However, it doesn't mean that you got so much money into your pocket.

然而，這並不意味著你的口袋裡有那麼多錢。

You are still living in the exact same house, but the price of your house have gone from 300 thousand pounds to a million pounds, and finally you are a millionaire.

你仍然住在一模一樣的房子裡，但房子的價格從 30 萬英鎊漲到了 100 萬英鎊，最後你成了百萬富翁。

But did somebody pay you a million pounds?

Wealth is also land that is under your house.

Wealth is also businesses, such as stocks that you own in the stock market.

財富也是企業，比如您在股票市場上擁有的股票。

And most of the wealth in any country, including the United Kingdom, is either real estate or stocks in the stock market.

而包括英國在內的任何國家的大部分財富都是房地產或股市中的股票。

And here is why wealth inequality has been rising so fast.

這就是為什麼財富不平等現象上升如此之快的原因。

It's not the fault of the rich people, but rather it's the fault of the government.

這不是富人的錯，而是政府的錯。

Since 2008, the government of the UK and most of the western governments have been keeping very low interest rates.

自 2008 年以來，英國政府和大多數西方國家政府一直保持著極低的利率水準。

It was just recently that they have risen the interest rates when inflation got out of control.

就在最近，當通貨膨脹失控時，他們才提高了利率。

When you lower down interest rates, the cost of borrowing money becomes very cheap and everybody starts borrowing money.

當你降低利率時，借錢的成本就會變得非常低廉，每個人都開始借錢。

That increases the supply of money or any currency in the economy, which devalues the value of the currency, which devalues the value of the pound in this case.

這就增加了經濟中的貨幣或任何貨幣的供應量，從而使貨幣貶值，在這種情況下，英鎊就貶值了。

And if somebody on the other side has a house, his house is going to be adjusted to the real or the new supply of money within the economy.

如果另一方有人有房子，他的房子將根據經濟中的實際或新的貨幣供應量進行調整。

So the price of that house is going to rise.

So it's not the fault that that person has bought a house, but it's the government dropped out the interest rates and devalued the value of the currency.

所以，這不是那個人買房的錯，而是政府降息、貨幣貶值的錯。

On the other side, the government has been massively borrowing money.

另一方面，政府一直在大量舉債。

This is the balance sheet of the bank of England.

這是英格蘭銀行的資產負債表。

And whenever the bank of England increases its balance sheet, it means that it is buying government bonds from the government of the UK, which means that it's directly printing the money and directly increasing the supply of the pound in the economy.

每當英格蘭銀行增加資產負債表時，就意味著它在向英國政府購買政府債券，這意味著它在直接印鈔，直接增加經濟中的英鎊供應量。

In 2008, when the global economy collapsed, including the British economy, the British economy massively increased the amount of pounds in the economy.

2008 年，當包括英國經濟在內的全球經濟崩潰時，英國經濟大幅增加了經濟中的英鎊數額。

And since then, it has been growing tremendously.

從那時起，它就一直在飛速發展。

Do you see a very clear trend between very low interest rates and the government massively borrowing money and increasing the supply of the money?

你是否發現，在極低的利率與政府大量借貸並增加貨幣供應量之間存在著非常明顯的趨勢？

And I want you to pay attention to the blue line because that is the real supply of money.

我希望你們注意藍線，因為那才是真正的貨幣供應。

That is the balance sheet of the bank of England.

這就是英格蘭銀行的資產負債表。

And in 2020, again, the same thing happened.

2020 年，同樣的事情再次發生。

The bank of England started buying massively all the government bonds from the British government, which allowed the British government to raise as much money as they wanted, which devalued the value of the pound.

英格蘭銀行開始大量購買英國政府的所有政府債券，這使得英國政府可以隨心所欲地籌集資金，從而使英鎊貶值。

So what we had at the end of the day is that if you are in a fixed income and if you have a job, your employer is not obligated by law to raise your income if the pound gets devalued.

是以，我們最終得到的結果是，如果你有固定收入，如果你有工作，根據法律，如果英鎊貶值，你的僱主沒有義務提高你的收入。

Your employer is going to offer a price for that job and it's your job or it's your responsibility or your choice to accept that job or not.

你的僱主會為這份工作開出一個價碼，接受與否是你的工作、你的責任或你的選擇。

On the other side, when you increase the supply of money within the economy, everybody understands that the value of the pound has dropped, but this house still holds the exact same value, which means that its price is going to rise to adjust the new supply of money within the economy, which is why the price of that house increases.

另一方面，當你增加經濟中的貨幣供應量時，每個人都明白英鎊的價值下降了，但這套房子的價值仍然保持不變，這意味著它的價格會上漲，以適應經濟中新的貨幣供應量，這就是這套房子價格上漲的原因。

So if you want to know the problem, the problem isn't that the rich people are very greedy and bad people, yes, they might be greedy, yes, they might be working super hard, yes, they have made the right choice to take their money and buy assets that over time appreciated in value, but the real problem is that the cost of living is rising so much or why most people cannot afford a house today is because the government of the UK has been systematically devaluing the dollar through low interest rates and massively borrowing money that devalues your pounds so that you can't afford a house in 2025.

所以，如果你想知道問題所在，問題並不在於富人是非常貪婪的壞人，是的，他們可能很貪婪，是的，他們可能工作得非常努力，是的，他們做出了正確的選擇，拿著自己的錢購買了隨著時間推移而升值的資產、但真正的問題是，生活成本上升得如此之快，或者說為什麼大多數人如今買不起房子，是因為英國政府一直在通過低利率和大規模借貸有計劃地使美元貶值，從而使你的英鎊貶值，以至於你在 2025 年買不起房子。

So you can't actually blame the rich people, you can't blame the wealthy people.

是以，你實際上不能責怪富人，你不能責怪富人。

It's not their fault that they have used their money to buy houses.

他們用自己的錢買房並不是他們的錯。

I'm not saying that everything is fair, I'm not saying that everybody made their money in the right way, but if you give it a very general perspective, it's the fault of the government.

我不是說一切都是公平的，我也不是說每個人都以正確的方式賺到了錢，但如果你從一個非常普遍的角度來看，這都是政府的錯。

And now let's imagine that we are going to impose a wealth tax of 10%.

現在讓我們設想一下，我們將徵收 10%的財富稅。

Let's say that we've got a problem, it doesn't matter who caused the problem.

比方說，我們遇到了問題，誰造成的問題並不重要。

Let's assume that we are going to put a 10% wealth tax on any wealth that is above a million dollars.

假設我們要對 100 萬美元以上的財富徵收 10%的財富稅。

It's just an example, just to give you a hypothetical example of how the system would work.

這只是一個例子，只是給你一個系統如何運行的假設性例子。

So on one side, you have people who bought houses.

Imagine somebody who bought a house 20 years ago for 300,000 pounds or 500,000 pounds.

試想一下，有人在 20 年前花 30 萬英鎊或 50 萬英鎊買了一棟房子。

Now, 20 years later, because the government has been devaluing the value of the pound, the price of that house has been increasing and it tripled and now it's worth 1.5 million pounds.

20 年後的今天，由於政府讓英鎊貶值，這棟房子的價格不斷上漲，現在已經翻了三倍，價值 150 萬英鎊。

So is it the fault of this person who has been living in this house for 20 years that the value of his house has grown to 1.5 million pounds?

那麼，這個人已經在這所房子裡住了 20 年，他的房子的價值卻增長到了 150 萬英鎊，這難道是他的錯嗎？

Now if we want this guy to pay a 10% tax on the value of his wealth, then he has to sell that house in the first place in order for him to have the cash to pay it.

現在，如果我們想讓這個人按其財富價值繳納 10%的稅，那麼他首先必須賣掉那套房子，這樣他才有現金支付稅款。

You can't be paying a portion of your house to the government, you have to liquidate your assets first.

你不能把房子的一部分交給政府，你必須先把資產變現。

Now he has to sell his house simply because the government has been printing so much money.

現在他不得不賣掉房子，原因很簡單，因為政府印了太多的鈔票。

Ask yourself the question, is it fair to this person, maybe this is a 70 year old guy who has been living in that house for the last 30 years, is it fair to him?

捫心自問，這對這個人公平嗎？也許這是一個 70 歲的老人，過去 30 年一直住在那所房子裡，這對他公平嗎？

Well, let's assume that we are going to do it anyways.

好吧，假設我們無論如何都要這麼做。

And we will have to do this on the entire country, which means that everybody with a net worth of over a million dollars will have to sell their assets.

我們必須在全國範圍內這樣做，這意味著每個淨資產超過一百萬美元的人都必須變賣資產。

Because you have to understand that wealth and income are two completely different things.

因為你必須明白，財富和收入是完全不同的兩回事。

Most of their wealth is either being tied in the real estate market with houses or it is in stocks in the stock market.

他們的大部分財富要麼被捆綁在房地產市場的房子上，要麼被捆綁在股票市場的股票上。

So those people don't have a lot of cash.

Now these guys, all of these rich people with a net worth of over a million dollars are going to sell their house in the market.

現在，這些人，所有這些淨資產超過百萬美元的富人都將在市場上出售他們的房子。

There will be an oversupply of houses in the market and not much demand on the other side.

市場上的房屋將供過於求，而另一方的需求卻不多。

Now the value of these houses are going to drop.

現在，這些房屋的價值將會下降。

Now this house no longer worth 1.5 million pounds, now it worth maybe 900 thousand pounds.

現在，這棟房子不再值 150 萬英鎊了，可能只值 90 萬英鎊。

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"大多數人都不知道英國即將發生什麼" (“Most People Have No Idea What’s About To Happen To The UK”)

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