Name: 美國經濟出現嚴重問題 (Something is going deeply wrong inside US economy)
Uploaded: 2025-08-26T18:02:09.000Z
Duration: 11 min 53 s

There is something strange and weird happening inside the US economy.

美國經濟內部正在發生一些奇怪的事情。

to 不定詞

The US government is about to take 14 trillion dollars out of US taxpayers money and give it to foreign governments and wall street.

美國政府即將從美國納稅人的錢中拿出 14 萬億美元，交給外國政府和華爾街。

過去簡單式

This sounds like an exaggeration, however, last year alone, the US government paid the Japanese government about 50 billion dollars in pure cash, the UK government about 35 billion dollars, the Chinese government about 40 billion dollars and so on and so forth.

這聽起來似乎有些誇張，然而，僅去年一年，美國政府就向日本政府支付了約 500 億美元的純現金，向英國政府支付了約 350 億美元，向中國政府支付了約 400 億美元，如此等等。

But that number is about to explode, you are working so hard, making so much money and paying a good portion of your income to the US government as taxes in hopes that this money will be used to build better roads, better infrastructure, provide you with better social security, better medicare.

但是，這個數字馬上就要爆炸了，你們如此努力地工作，賺這麼多錢，並將收入的很大一部分作為稅款上繳美國政府，希望這筆錢能用來修建更好的道路、更好的基礎設施，為你們提供更好的社會保障和更好的醫療保障。

But that money is being taken and given directly to wall street and foreign governments.

但這些錢都被拿走了，直接給了華爾街和外國政府。

It might seem like I am exaggerating, so let me explain.

也許我說得有點誇張，請聽我解釋。

Over the last decades, we have built a perfect system, where trillions of dollars will be taken from US taxpayers and will be given directly to foreign governments and wall street.

在過去的幾十年裡，我們建立了一個完美的體系，從美國納稅人手中拿走數萬億美元，直接交給外國政府和華爾街。

This is probably the best investing strategy that I have ever seen.

這可能是我見過的最好的投資策略。

The US government last year earned from taxes about 5 trillion dollars.

美國政府去年的稅收收入約為 5 萬億美元。

This is the most amount of money that any government has ever made.

這是有史以來政府賺得最多的一筆錢。

And it might seem like this is enough money to make the United States great, to pay for everything, build roads, bridges and everything the United States ever needs.

這些錢似乎足以讓美國變得偉大，支付一切費用，修建道路、橋樑和美國所需的一切。

But a trillion dollars of that money was taken last year and was paid in interest payments.

但其中有一萬億美元是去年拿去支付利息的。

Because the United States has around 37 trillion dollars of debt.

因為美國有大約 37 萬億美元的債務。

And the interest payments on those debts are about 3% to 4.5%.

而這些債務的利息支出約為 3%至 4.5%。

Last year alone, it amounted to 1 trillion dollars.

僅去年一年就高達 1 萬億美元。

And the irony of this debt is that it explodes because of the compound interest.

具有諷刺意味的是，這種債務會因複利而爆炸。

Just like you can invest in the stock market and over a long period of time, your investments are going to exponentially grow, the exact same terminology works against you when you have debt.

就像你可以投資股票市場，在很長一段時間內，你的投資會呈指數增長一樣，當你有債務時，同樣的術語也會對你不利。

And because the US debt has grown to 37 trillion dollars, there is no way back. 9 trillion dollars of that debt is being owned to foreign governments. 7.4 trillion dollars is intra-governmental debt.

由於美國的債務已增至 37 萬億美元，是以已無路可退。其中9萬億美元是外國政府的債務。7.4萬億美元是政府內部債務。

But most of that debt or about 20 trillion dollars of that is domestic debt.

但這些債務中的大部分（約 20 萬億美元）是國內債務。

Most of that debt is being owned by wall street.

For example, Berkshire Hathaway, Warren Buffett's company owns around 350 billion dollars of US treasurer bills.

例如，沃倫-巴菲特（Warren Buffett）的伯克希爾-哈撒韋公司（Berkshire Hathaway）擁有約 3500 億美元的美國國庫券。

And this year alone, Warren Buffett is going to receive 15 billion dollars from the US government just because he holds so much US treasurer bills.

僅今年一年，沃倫-巴菲特就將從美國政府獲得 150 億美元，原因就在於他持有大量美國國庫券。

Warren Buffett has hundreds of billions of dollars worth of cash, and he doesn't know where to invest that money.

沃倫-巴菲特（Warren Buffett）擁有價值數千億美元的現金，但他不知道該把這些錢投資到哪裡。

So the best investment right now is probably US treasurer bills since they are very liquid, they are very safe, and at the same time, they are providing the investors with at least 4.5% in interest rates.

是以，目前最好的投資可能是美國國庫券，因為它們的流動性很強，非常安全，同時還能為投資者提供至少 4.5% 的利率。

You can easily liquidate that money anytime you want.

But the vast majority of that investment is being held by mutual funds and hedge funds.

但這些投資絕大部分由共同基金和對沖基金持有。

So if you are an investor at least in the S&P 500 or any of these mutual funds, then you are directly benefiting from this.

是以，如果你至少是標準普爾 500 指數或這些共同基金的投資者，那麼你將直接從中受益。

This investment is so good that the vast majority of countries across the globe has been investing in the US debt.

這項投資如此之好，以至於全球絕大多數國家都在投資美債。

The best example is, of course, Luxembourg.

This is a tiny country in the middle of Europe, and they hold around 430 billion dollars in US treasurer bills.

這是一個位於歐洲中部的小國，他們持有大約 4300 億美元的美國國庫券。

And last year alone, Luxembourg received 17 billion dollars in pure cash from the US government.

僅去年一年，盧森堡就從美國政府獲得了 170 億美元的純現金。

Since the population of Luxembourg is about 678 thousand people, every single person in Luxembourg has received 25 thousand dollars in pure cash directly into their pockets.

由於盧森堡人口約為 67.8 萬，是以每個盧森堡人都直接收到了 2.5 萬美元的純現金。

Like people in Luxembourg do not have to work because the US taxpayers are paying off for their lifestyle.

就像盧森堡人不用工作，因為美國納稅人為他們的生活方式買單。

I mean, 25 thousand dollars is of course not enough money to change any person's life, but for the vast majority of people all across the globe, 25 thousand dollars is a decent income.

我的意思是，2.5 萬美元當然不足以改變任何人的生活，但對於全球絕大多數人來說，2.5 萬美元是一筆不錯的收入。

Imagine you have somebody there who already has a roof over his head and has a car.

想象一下，你那裡有一個人已經有房有車了。

An extra 25 thousand dollars is probably gonna pay for most of his bill if he is a middle class.

如果他是中產階級，多花 2.5 萬美元可能就能支付大部分賬單。

So the middle class people in the US are financing literally the lifestyle of the vast majority of people all across the globe because the US has borrowed so much money.

是以，美國的中產階級正在為全球絕大多數人的生活方式提供資金，因為美國借了這麼多錢。

This is the largest transfer of wealth that has ever happened in history because trillions of dollars are flowing out of the pockets of middle class americans and getting into the pockets of middle class people all across the globe.

這是歷史上規模最大的財富轉移，因為數萬億美元正從美國中產階級的口袋中流出，進入全球中產階級的口袋。

And that's all because of the fault of the US government.

As if the US government has built an automatic system of transfer of wealth from middle class americans to everybody else. 80% of all the taxes in the US are being paid by the middle class americans.

就好像美國政府建立了一個自動從美國中產階級向其他人轉移財富的系統。美國80%的稅收都是由中產階級繳納的。

They are not being paid by the bottom 50% of americans and they are not also being paid by the top 1%.

支付這些費用的並不是最底層的 50%美國人，也不是收入最高的 1%美國人。

Because the top 1% or even the top 10% of americans primarily make their money from investments and dividends and businesses and that is where you have the lowest tax rate.

因為收入最高的 1%，甚至是收入最高的 10%的美國人主要通過投資、分紅和經商來賺錢，而這正是稅率最低的地方。

Most of the taxes that comes into the budget of the US government are payroll tax and income tax and most of them are being paid by the middle class americans.

美國政府預算中的大部分稅收是工資稅和所得稅，其中大部分由美國中產階級支付。

And because the US government has accumulated 37 trillion dollars of debt, and just let me clarify this, this debt is growing day by day.

因為美國政府已經積累了 37 萬億美元的債務，而且讓我澄清一下，這些債務還在與日俱增。

If you literally pause this video and check out the total amount of debt by the time this video is over, it is probably like 37.3 trillion dollars or 37.5 trillion dollars or god forbid by the end of the video it's gonna be 38 trillion dollars who knows.

如果你暫停這段視頻，看看視頻結束時的債務總額，可能是 37.3 萬億美元或 37.5 萬億美元，或者視頻結束時會是 38 萬億美元，誰知道呢。

And then all of that money is going to go directly into the pockets of investors.

然後，所有這些錢都會直接進入投資者的口袋。

And since there is an interest on it, the debt compounds over time.

由於需要支付利息，債務會隨著時間的推移而不斷增加。

Based on the best projections that we have right now, the debt to GDP ratio in the united states by about 2055 is going to reach 175 percent.

根據我們目前的最佳預測，到 2055 年左右，美國的債務與 GDP 之比將達到 175%。

And this is probably the best estimates that we have.

這可能是我們所掌握的最佳估計數字。

If you actually take the worst case scenario, this is probably going to be like 250 percent.

如果從最壞的情況來看，這個比例可能會達到 250%。

Because this estimation didn't take into account that there are going to be multiple crises on the way in the next 20 to 30 years, so it's very easy to assume that this number is going to cross 200 percent for a fact.

因為這一估算沒有考慮到未來二三十年內還會有多次危機，所以很容易就能推測出這一數字將超過 200%的事實。

And because the debt is growing over time, the interest on the debt is also growing over time.

由於債務隨著時間的推移不斷增加，債務的利息也隨著時間的推移不斷增加。

According to the best estimates, at least by 2035, and that's within the next 9 years, the united states will pay 14 trillion dollars in interest to the people who hold this debt.

根據最佳估計，至少到 2035 年，也就是未來 9 年內，美國將向持有這些債務的人支付 14 萬億美元的利息。

And who are the people holding the US debt?

It's the foreign governments, which is about 9 trillion dollars.

是外國政府，大約有 9 萬億美元。

Maybe by 2035, it's gonna be like 15 trillion dollars, who knows.

也許到 2035 年，會達到 15 萬億美元，誰知道呢。

It's mostly wall street, and some of that debt is being owned by social security trust funds and trust funds that pay medicare.

主要是華爾街，其中一些債務由社會保障信託基金和支付醫療保險的信託基金擁有。

But what is interesting is that by 2035, the total interest payments annually is going to be about 1.8 trillion dollars.

但有趣的是，到 2035 年，每年的利息支出總額將達到約 1.8 萬億美元。

And this is the best case scenario, it can easily go to 2.5 trillion dollars.

這是最好的情況，它很容易達到 2.5 萬億美元。

So you are working so hard and paying so much taxes, all the americans working super hard and paying so much in taxes, and yet this money, instead of being used to make America better, to clean the american streets, build better infrastructure in America, will simply be paid to investors because the US government has accumulated so much debt.

是以，你們如此努力地工作，繳納如此多的稅款，所有美國人都超級努力地工作，繳納如此多的稅款，但這些錢卻沒有用來讓美國變得更好，沒有用來清潔美國的街道，沒有用來在美國建設更好的基礎設施，而只是付給了投資者，因為美國政府已經積累了如此多的債務。

And based on the projections that we have, the average interest payment is going to be about 4%.

根據我們的預測，平均利息支出約為 4%。

So if you accumulate for example 100 trillion dollars of debt, it can easily go to 100 trillion dollars within the next 30 to 40 years.

是以，如果你積累了例如 100 萬億美元的債務，那麼在未來 30 到 40 年內，債務很容易增加到 100 萬億美元。

The US government will be paying 4 trillion dollars in interest payment just to maintain that debt.

美國政府將支付 4 萬億美元的利息來維持這筆債務。

That is assuming that interest rates on US bonds are not going to rise above 4%.

前提是美國債券的利率不會超過 4%。

Absolutely, because there are going to be times when inflation will get out of control and investors will demand a much higher interest rate on US debts because it makes no sense to loan money to the US government below the inflation rate.

當然，因為有些時候通脹會失控，投資者會要求美國債務的利率高得多，因為以低於通脹率的利率向美國政府貸款是毫無意義的。

The real question is that how did we get over here?

真正的問題是，我們是怎麼過來的？

Why wasn't the government careful and how did the government manage to bring the United States in such a position?

政府為什麼不小心謹慎，政府又是如何將美國置於如此境地的？

If you go prior to 2008, the debt to GDP ratio was about 60% and it wasn't a problem.

如果在 2008 年之前，債務與 GDP 的比率約為 60%，這並不是一個問題。

Yes, the US government used to pay some amount of interest to the people who loaned that money to the US government but it wasn't much.

是的，美國政府曾經向借錢給美國政府的人支付過一些利息，但並不多。

However, since 2008, that number has exploded and now the new debt to GDP ratio is about 120%.

然而，自 2008 年以來，這一數字急劇上升，目前新債務與 GDP 的比率約為 120%。

What makes this even more interesting is that most of that debt was acquired when the interest rate on the US debt was lower than usual.

更有趣的是，大部分債務都是在美國債務利率比平時低的時候獲得的。

For example, between 2008 up until 2022, the interest rate on the US debt was about 2.5% or even lower, in some years, it was even 1%.

例如，從 2008 年到 2022 年，美國債務的利率約為 2.5%，甚至更低，有些年份甚至只有 1%。

So no wonder the government borrowed so much money.

When you can borrow money at 1% interest rate, the government continue to borrow trillions of dollars.

當你能以 1%的利率借到錢時，政府卻繼續借入數萬億美元。

But because that debt is going to expire a certain time in the future and you have no money to pay it back, what you have to do, you are going to refinance it.

但是，由於這筆債務將在未來某個時間到期，而你又沒有錢償還，所以你必須做的，就是對它進行再融資。

And you will refinance it at a new interest rate, which is the current interest rate in the market, which is how the United States got into this problem in the first place.

你將按照新的利率進行再融資，這就是當前的市場利率，這也是美國當初陷入這一問題的原因。

So over the next couple of decades, the United States will remain this place where trillions of dollars will be generated by the middle class Americans but at the same time, a good portion of that money will be directly paid into foreign governments and Wall Street.

是以，在未來幾十年裡，美國仍將是一個由美國中產階級創造數萬億美元的地方，但與此同時，這些錢的很大一部分將直接支付給外國政府和華爾街。

And this is probably the biggest wealth transfer in history.

這可能是歷史上最大的財富轉移。

And that's why the real question comes back to you.

這就是為什麼真正的問題又回到了你的身上。

Do you want to be the person who pays so much taxes to the US government or do you want to be the beneficial out of this system.

你是想成為向美國政府繳納鉅額稅款的人，還是想成為這個系統的受益者。

This system is going to exist for years to come, nobody is going to change this system.

這個系統將存在多年，沒人能改變這個系統。

Because if you change this system, if the US government stops paying their interest on its debts, the United States dollar will no longer be the global reserve currency.

因為如果改變這一體系，如果美國政府停止支付債務利息，美元將不再是全球儲備貨幣。

So the entire wealth or the top 1% will milk everything out of the US government over the next couple of decades.

是以，在未來幾十年裡，全部財富或最富有的 1%將從美國政府榨取一切。

So the question comes back to you again, do you want to be an investor or do you want to be in the middle class who pays so much taxes.

是以，問題又回到了你的身上，你是想成為一名投資者，還是想成為一名繳納大量稅款的中產階級。

這種制度不可能永遠持續下去。

Because at certain point, the US government will realize that all the money that's being collected from the US taxpayers is being spent on investors.

因為到了一定時候，美國政府就會意識到，從美國納稅人那裡收來的錢都花在了投資者身上。

And that's why probably or that's when probably the US government will default on its debts.

這就是為什麼美國政府很可能會拖欠債務的原因。

But that's not going to happen 5 years from now or 10 years from now or even 20 years from now.

但這不會在 5 年、10 年甚至 20 年後發生。

So until we have the time, it is probably the best for you to take the best advantage out of it and to make the most amount of money.

是以，在我們有時間之前，對你來說，最好的辦法可能就是充分利用它，賺取最多的錢。

That's it for today, thanks for watching, and I will see you in the next one.

今天就到這裡，感謝您的收看，我們下期再見。