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: 2025-08-19T18:30:26.000Z
Duration: 18 min 16 s

Last year, almost 11,000 millionaires left the United Kingdom, prior to that, thousands more left.

去年，近 11,000 名百萬富翁離開了英國，在此之前，還有數千人離開了英國。

現在進行式

And every single year, more rich people are deciding to leave the United Kingdom.

每年都有更多的富人決定離開英國。

to 不定詞

That raises the question, what exactly is happening with the British economy that rich people don't want to stay.

這就提出了一個問題：英國經濟究竟發生了什麼，以至於有錢人不願意留下來。

Because when a rich person leaves the country, it's not just a random person who left.

因為富人出國，並不是隨隨便便一個人離開。

So if you have built a business that's worth millions of dollars and now you are leaving and taking that business, taking your employees, or perhaps you're simply taking the jobs and you will create these jobs in another country.

是以，如果你建立了一家價值數百萬美元的企業，現在你要離開，帶走這家企業，帶走你的員工，或者你只是帶走工作崗位，你將在另一個國家創造這些工作崗位。

Soon, sometime in the future, the government will not be able to collect enough taxes in order to keep all of these programs.

很快，在未來的某個時候，政府將無法收取足夠的稅收來維持所有這些項目。

On the other side, millions of people are flooding into the United Kingdom.

另一方面，數百萬人湧入英國。

They're coming to build a far better life.

他們是來建設更美好的生活的。

But when they're coming, they're not coming with their businesses.

但他們來的時候，並不是帶著生意來的。

Maybe sometime in the future, they will build that business, but not today.

也許將來某個時候，他們會建立這種業務，但不是今天。

But when they do that and realize the exact same thing that millionaires today are realizing about the UK, they will also probably leave.

但當他們意識到這一點，並意識到與今天的百萬富翁們對英國的認識完全相同的事情時，他們也很可能會離開。

The UK has one of the worst taxation systems in the world.

英國是世界上稅收制度最糟糕的國家之一。

It's taxing people so much that it starts to make no sense whatsoever.

它對人們徵收的稅太多了，以至於開始變得毫無意義。

There is no shame in paying taxes, because if the government is taking that money and using that in order to improve the country, build better roads, build better schools for your kids, and have a much better healthcare system, nobody minds paying that much taxes.

納稅並不可恥，因為如果政府把這些錢用來改善國家，修建更好的道路，為孩子們建造更好的學校，並提供更好的醫療保健系統，那麼沒有人會介意繳納那麼多稅。

But when you're highly taxed and most of that money goes somewhere where most people don't even have a clue, that's where the problem actually starts.

但是，當你被徵收高額稅款，而大部分錢又流向了大多數人根本不知道的地方時，問題就真正開始了。

The most popular sort of taxes is, of course, income tax.

And income tax is the most popular income tax anywhere in the world, whether it's the United States, European Union, or any other wealthy country.

而所得稅是世界上最流行的所得稅，無論是美國、歐盟還是其他富裕國家都是如此。

Any income that is being made below 12 and a half thousand pounds is not taxed.

任何低於 1.25 萬英鎊的收入都不徵稅。

And that's where the good news stops, because if you are making less than that, then you are barely surviving.

好消息就到此為止，因為如果你的收入低於這個數字，那麼你只能勉強維持生計。

If you make more than that, then suddenly your tax rate goes to 20%.

如果你的收入超過了這個數字，那麼你的稅率就會突然上升到 20%。

That is much higher than the taxation that you are paying in the US.

這比您在美國繳納的稅款要高得多。

And it gets even worse for the people who are making much more than that, anything between 50 to 125 thousand dollars.

而對於那些收入遠高於這個數字的人來說，情況就更糟糕了，他們的收入在 5 萬到 12.5 萬美元之間。

If you would make the exact same amount of money in the US, you will pay for anything up to 94 thousand dollars, you are paying probably like 12% in taxes.

如果你在美國賺到完全相同的錢，你將為 9.4 萬美元以下的任何東西支付 12% 的稅款。

It goes higher than that, up to 20%, but that's for the income that goes up to 200 thousand dollars.

比這更高，最高可達 20%，但這是針對收入高達 20 萬美元的情況。

So if you take the US taxation system, where people think that it's really high, and compare it to what's happening in the United Kingdom, that's when you understand that, maybe compared to the UK, the United States is a tax haven.

是以，如果把人們認為稅率很高的美國稅收制度與英國的情況進行比較，你就會明白，也許與英國相比，美國就是一個避稅天堂。

If you are making more than that, it goes to 45%.

如果您的收入超過了這一比例，它就會變成 45%。

People who are making that much money are questioning themselves, should I be making that much money, what's the point for me to make 200 thousand dollars, what's the point of me making more than 125 thousand pounds, when anything above that, half of it will directly go to the government.

賺那麼多錢的人都在質疑自己，我應該賺那麼多錢嗎？我賺 20 萬美元有什麼意義？我賺超過 12.5 萬英鎊又有什麼意義？

The motivation to work harder, suddenly or instantly I would say goes dramatically to zero, and only the people who really want that money are going to do that.

我想說的是，努力工作的動力會突然或瞬間急劇歸零，只有真正想要這筆錢的人才會這麼做。

But besides those taxes, everybody who is employed has to pay anything between 8-10% in national insurance contribution.

但除了這些稅之外，每個就業者還必須繳納 8%-10%的國家保險費。

So if you are paying 40% plus 8-10%, that brings it to 50%.

是以，如果您支付 40% 的費用，再加上 8-10% 的費用，就達到了 50%。

And people who are making above this much, are paying around 55% in taxes.

而收入超過這個數字的人，要繳納 55% 左右的稅。

If you are a very skilled person living in the United Kingdom today, let's say you are like a very good doctor or an engineer or maybe an IT guy and you know that you could be making at least a few hundred thousand dollars anywhere all across the globe, why would you stay in the UK?

如果你是當今生活在英國的一名非常有技能的人，比方說你是一名非常優秀的醫生或工程師，或者是一名 IT 人員，而且你知道你可以在全球任何地方賺取至少幾十萬美元，那麼你為什麼還要留在英國呢？

With all of these skills, you know that you are going to become much faster financially independent if you have left to a country where the tax rate is half of that.

有了這些技能，你就會知道，如果你去了一個稅率只有一半的國家，你就會更快地實現經濟獨立。

The corporate tax rate is also worse than the United States and most of the other countries whose economies are growing.

公司稅率也低於美國和其他大多數經濟正在增長的國家。

If you are making less than $50,000, for example, you have to pay at almost 20% in tax rate.

例如，如果您的收入低於 50,000 美元，您就必須支付近 20% 的稅率。

你可能會說，這沒什麼大不了的。

It's like you are barely making any kind of real money.

就好像你幾乎沒賺到什麼真金白銀。

And if you are a country, if you are the government, you want to tell the population that if you are making less than 50,000 pounds, you should pay zero in taxes.

如果你是一個國家，如果你是政府，你想告訴民眾，如果你的收入低於 5 萬英鎊，你就應該零納稅。

That's what will incentivize people to start working and building businesses.

這樣才能激勵人們開始工作和創業。

Because 50,000 pounds is like a corner shop somewhere in there, somewhere that is barely surviving and making that much money.

因為 5 萬英鎊就像一個街角的小店，在那裡勉強維持生計，賺不了那麼多錢。

And even that person has to pay a 20% tax rate.

即使是這樣的人，也要繳納 20% 的稅率。

Like if you take that and you compare it, for example, to companies in the United States, if I'm not mistaken, Boeing like literally pays something between like 7 or 8% in tax rate because they have all of these financial schemes they are using in order to reduce their tax system.

如果你把它與美國的公司進行比較，如果我沒記錯的話，波音公司的稅率大概在 7% 或 8% 之間，因為他們使用了所有這些財務方案來降低稅率。

But if you are making more than $250,000, then your tax rate suddenly goes up to 25%.

但如果您的收入超過 25 萬美元，那麼您的稅率就會突然上升到 25%。

Because when you're building a business, like trust me, building a business is one of the hardest things you can do.

因為當你創建一個企業時，相信我，創建一個企業是最難的事情之一。

It's not like going, it's not like having a job.

這不像去上班，也不像有工作。

You're literally going to put into that your soul.

And there are chances that you're going to fail.

And chances that you will fail are much higher than the chances that you're going to succeed.

失敗的機率遠遠高於成功的機率。

And that's a huge gamble that anybody can possibly take.

這是任何人都有可能進行的一場豪賭。

And that means that there might be a year, two, three, five, and sometimes 10 years of super hard work to build one successful business that is going to be making millions of dollars.

這意味著，可能需要一年、兩年、三年、五年，有時甚至 10 年的超級艱苦努力，才能建立一個成功的企業，賺取數百萬美元。

And you want to tell that person that you're going to take a significant portion of their money for building that business, he would rather go and live on the minimum wage and just pay, I don't know, like 20% in taxes and just have a stable job instead of taking such a huge risk.

你要告訴那個人，你要從他的錢中抽出很大一部分來創業，他寧願去拿最低工資，只交 20% 的稅，有一份穩定的工作，而不是冒這麼大的風險。

It gets even worse when you start hiring people.

當你開始僱人時，情況就更糟了。

For every person that you hire, you have to pay almost 14% in national insurance contribution tax as if the 8 to 10% was not enough.

您每僱用一個人，就必須繳納近 14% 的國家保險繳款稅，而 8% 至 10% 的稅款還不夠。

He's going to be like, he's going to be a trouble for me for years to come because I have to pay an extra 14% for every single person.

他會說，他會在未來幾年給我帶來麻煩，因為我必須為每個人多支付 14% 的費用。

I would rather go hire somebody in a country that does not have this kind of tax.

我寧願去一個沒有這種稅的國家僱人。

Let's say that I have purchased stocks and a year from now or two years from now, I'm selling my stocks in order to cash out.

比方說，我購買了股票，一年後或兩年後，我要賣掉股票套現。

I have to pay 20% taxes for making that kind of an investment.

我必須為這樣的投資繳納 20% 的稅。

First of all, there should not be any kind of capital gain tax and if there is, it should not be more than 2 or 3%.

首先，不應該有任何形式的資本利得稅，即使有，也不應超過 2% 或 3%。

Now in the US, there is a progressive system, so it can be like 10, 12, sometimes 8%.

現在，美國有一個累進制，所以可能是 10%、12%，有時是 8%。

And there are some people who pay up to 20%, but not the vast majority of people.

也有一些人支付高達 20% 的費用，但不是絕大多數人。

So if you're a millionaire making money from the stock market, let's say built an investing portfolio of, I don't know, a million dollars and I'm cashing out some of my investments in order to pay for my bills.

是以，如果你是一個從股市賺錢的百萬富翁，比方說，我建立了一個投資組合，我不知道，一百萬美元，我兌現了我的一些投資，以支付我的賬單。

I would rather go to a tax haven and pay 0% in taxes because there are such options today in the world.

我寧願去避稅天堂，繳納 0% 的稅款，因為當今世界有這樣的選擇。

I simply can go to Ireland and pay a much lower tax rate than just being in the United Kingdom.

我只要去愛爾蘭，就能比在英國繳納低得多的稅率。

You also have like a real estate tax, property tax, whatever taxes you have.

您還需要繳納房地產稅、財產稅等各種稅費。

But the most interesting tax is the value added tax, which stands at 20%.

但最令人關注的稅種是增值稅，稅率為 20%。

After paying all of these taxes, you think that you don't pay any more taxes.

在繳納了所有這些稅款後，您認為您無需再繳納任何稅款。

Now that's where the real taxation actually starts.

Because anything that is being purchased in the UK, you have to pay a 20% tax to buy that.

因為在英國購買任何東西，都必須繳納 20% 的稅。

So if you suddenly made $100,000 and you saved that much money for the last couple of years in order to buy that BMW or that car that you always dreamed about, you will go to the showroom and you have to pay an extra 20% for buying that.

是以，如果你突然賺到了 10 萬美元，而你在過去幾年裡存了那麼多錢，就是為了買那輛寶馬或那輛你夢寐以求的汽車，那麼你去展廳買那輛車時，就必須多付 20%。

That's what value added tax is all about.

It means that you buy stuff and you pay 20% in taxes.

也就是說，你買了東西，就要交 20% 的稅。

You paid just half of your income in taxes and then your employer also paid an extra 15% on behalf of you for hiring you that could potentially be like part of your salary.

你只繳納了收入的一半稅款，然後你的僱主還為僱用你而額外支付了 15%的稅款，這可能相當於你工資的一部分。

You're coming to spend that money in the grocery store or to buy stuff in order for your living.

你們來是為了把這些錢花在雜貨店裡，或是為了生活買東西。

So if you add up all of these taxes, you'll find out that you have already made millions of dollars.

是以，如果把所有這些稅收加起來，你會發現自己已經賺了數百萬美元。

The only reason that you're not rich is because 80% or 90% of it literally went directly into the pockets of the politicians who don't know what they're doing.

你不富有的唯一原因是，80% 或 90% 的錢都直接進了那些不知道自己在做什麼的政客的腰包。

You see, there is a very real difference in mentality between a politician and a business person.

你看，政客和商人在心態上確實有很大的不同。

If I'm building a business, I understand the value of money.

如果我在創業，我就會明白金錢的價值。

I know what it means, what a dollar really is, because I have to make sure that every dollar is spent productively in the business for the business to grow.

我知道這意味著什麼，一美元到底意味著什麼，因為我必須確保每一元錢都用在業務上，使業務得到有效發展。

If I'm spending that money unproductively, business is going down.

如果我把錢花在了沒有效益的地方，生意就會下降。

I cannot hire more people, I cannot grow the business, I'm not going to make more money.

我不能僱傭更多的人，我不能發展業務，我不能賺更多的錢。

So I have an incentive in order to build a business, make more money.

是以，我有動力去發展業務，賺更多的錢。

When a politician gets into an office, he does not have that incentive.

當一個政客進入官場後，他就沒有這種動力了。

He's not motivated in order to spend that money productively.

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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”)

literally

situation

period

barely