Name: 如何逃離 "老鼠賽跑"（學校從未教過你的金錢遊戲） (How To Escape The Rat Race (The Money Game That School Never Taught You))
Uploaded: 2025-10-21T04:42:10.000Z
Duration: 10 min 32 s

This is how most people play the game of money.

這就是大多數人玩金錢遊戲的方式。

分詞構句

Sacrificing pawns, obsessing on the small moves, but real wealth.

犧牲棋子，執著於小動作，但真正的財富。

It's about moving pieces that actually change the game.

重點在於移動那些真正能改變遊戲的棋子。

Because while most people spend their lives reacting, the wealthy are playing to win.

因為當大多數人一生都在被動反應時，富裕者卻是贏家思維。

And the worst part, Nobody ever taught you the real rules.

最糟的是，沒人教過你真正的規則。

You'll stay in the job that you pick for the rest of your life.

你將會一輩子待在你選擇的工作上。

We are one of the wealthiest nations in history, and yet, still seemingly, no one has any money.

我們是史上最富裕的國家之一，但似乎還是沒人有錢。

In 2016, a lottery winner named David Lee Edwards, who walked away with $27 million in winnings, was found living in a storage unit, penniless, battling addiction.

2016年，一位名叫David Lee Edwards的樂透中獎者，抱走了2700萬美元的獎金，卻被發現住在儲藏室裡，身無分文，還在與成癮搏鬥。

He had gone from instant multi millionaire to broke in less than a decade.

他不到十年就從瞬間成為百萬富翁淪為破產。

而他並不是唯一一個這樣的人。

Six figure earners are living paycheck to paycheck.

年收入六位數者卻過著月光族的生活。

Celebrities file bankruptcy after careers worth hundreds of millions.

名人們在擁有數億身價的事業後卻宣告破產。

People are financing their doordash orders.

人們竟然在用分期付款的方式支付他們的Doordash訂單。

This is not just a story of bad luck or greed or poor judgment.

這不只是個運氣不好、貪婪或判斷錯誤的故事。

這是一個關於一個系統，一個遊戲。

A game of money that has rules most people were never told.

一個大多數人都沒被告知規則的金錢遊戲。

Rules that quietly separate those who play to survive from those who play to win.

這些規則悄悄地將那些為了生存而玩遊戲的人，與那些抱持贏家思維的人區分開來。

And unless you learn the rules, you'll spend the rest of your life running harder and harder in a race you are never designed to finish.

而且，除非你學會規則，否則你餘生都會在一個你從未被設計來完成的賽跑中越跑越快。

Schools, and the systems are basically prisons.

學校和這些系統基本上就是監獄。

They keep kids locked up physically and mentally and prepare them for jobs that are basically prisons until they retire and go to a nursing home, their final prison.

它們在身心上囚禁著孩子們，並為他們準備了基本上也是監獄的工作，直到他們退休進養老院，那裡是他們最後的監獄。

So in this video, let's pull away the blindfold.

所以，在這支影片裡，讓我們來摘掉眼罩。

I'm definitely not in the rat race now, but I used to be.

我現在絕對不在這個老鼠賽跑裡了，但我以前是。

I worked in corporate jobs in cubicles with padded walls at Goldman and State Street.

我曾在高盛和State Street的隔間裡工作，牆壁還有軟墊。

I had a job where I had to clock in and clock out every time I went to the bathroom at Vanguard.

我在Vanguard有份工作，每次去上廁所都必須打卡。

But we're gonna expose why you were never taught the real game of money and how the system is structured and what you can do today to stop playing as a pawn on the board and start becoming the one making the rules.

但我們要揭露為什麼你從沒學過真正的金錢遊戲，這個系統是如何運作的，以及你今天可以做些什麼，來停止當棋盤上的棋子，並開始成為制定規則的人。

The illusion of the rat race most people's financial lives look like.

大多數人財務生活的「老鼠賽跑」幻象。

Go to school, get a job, earn wages, spend them on expenses, repeat.

去上學，找工作，賺取薪水，花在開銷上，重複。

The cycle is so deeply ingrained that we don't even question it.

這個循環根深蒂固，我們甚至不去質疑它。

但這就像跑步機，一場老鼠賽跑。

Every raise is matched by a new expense, every windfall canceled by a new debt.

每一次加薪都被新的開銷抵銷，每一次意外之財都被新的債務取消。

The faster you run, the more exhausted you get, and you never actually move forward.

你跑得越快，就越疲憊，而且你實際上從未前進。

A survey found that 78% of American workers live paycheck to paycheck.

一項調查發現，78% 的美國勞工是月光族。

But what is even more shocking, even among people earning over $100,000 a year, one in 10 are still broke at the end of every month.

但更令人震驚的是，即使是年收入超過十萬美元的人，每十個人中就有一個在每個月底仍然身無分文。

The answer lies in what I call the consumption trap.

This is what stops you from becoming rich.

這就是阻止你變得富裕的原因。

You earn money, you start motoring, but every time you get it, you spend it.

你賺錢，你開始享受生活，但每次你賺到錢，你就花掉了。

So you're forever stuck in a cycle that never has an end.

所以你永遠被困在一個永無止境的循環裡。

you'll hear some version of It's a medium of exchange, but that's not very useful.

你會聽到類似「它是交換媒介」的說法，但這沒什麼用。

A better way to think of it is money is stored value.

更好的思考方式是，金錢是儲存的價值。

You exchange money for something because you believe its value is equal to the dollars you gave up.

你用金錢換取某樣東西，因為你相信它的價值等於你付出的金錢。

From an early age, we are conditioned to see money not as stored value, but

從小，我們就被灌輸，金錢不是儲存的價值，

Good grades, good job, paycheck expenses.

好成績、好工作、月光族的開銷。

Entire economies are built on this cycle.

整個經濟體系都建立在這個循環上。

Advertisers fuel it, Credit cards lubricate it, social media amplifies it.

廣告商助長它，信用卡潤滑它，社群媒體放大它。

And it creates a culture where our worth is measured by what we consume.

這造就了一種文化，我們的價值由我們消費的東西來衡量。

The car we drive, the shoes we wear, the vacations we post online.

我們開的車、穿的鞋、在網上分享的假期。

爸，為什麼我們一定要去上學？

Because if you didn't buy stuff, everyone would be out of a job and no one would have any money.

因為如果你不買東西，大家都會失業，沒有人會有錢。

Wait, so I have to work for the rest of my life to pay for stuff that I don't want just so everyone else can suffer the same horrib?

等等，所以我要一輩子工作來買我不想買的東西，只是為了讓其他人也遭受同樣的痛苦嗎？

At best, managing your consumption keeps you from falling apart.

最好的情況是，管理你的消費可以讓你不會垮掉。

At worst, it chains you to debt, anxiety, and financial fragility.

最糟的情況是，它會讓你背負債務、焦慮和財務脆弱。

That's why high earners aren't even safe.

這就是為什麼高收入者也不安全。

62% of people making over $300,000 a year still struggle with credit card debt.

即使是年收入超過 30 萬美元的人，也有 62% 的人仍然為信用卡債務所苦。

And why millennials now fear debt more than death itself.

而千禧世代現在對債務的恐懼甚至勝過對死亡。

66% of us say we're more scared of running out of money than dying.

66% 的人表示，我們比擔心死亡更擔心錢會花光。

Because in the consumption trap, your entire financial life is defined by what goes out.

因為在消費陷阱裡，你整個財務生活都由支出定義。

And unless you break out of that paradigm, you'll never have anything left over to build with.

除非你打破這個思維模式，否則你永遠不會有餘錢來累積。

Part 3 Defense wins games, but not championships Let me be clear.

第三部分 防守贏得比賽，但贏不了總冠軍 讓我說清楚。

But remember, the master was once a beginner too.

但請記住，大師也曾是初學者。

So you start Like a snowball down the hill.

這樣一來，你就像滾雪球一樣，越滾越大。

Out of its total weekly income, Jack's family allows so much for food, household clothing.

傑克的家庭每週收入中，會撥出一部分用於食物、家庭用品和衣物。

Each part of their regular expenses is allowed for in the budget.

他們的日常開銷的每一項，都在預算中有所安排。

Three to six months of expenses, that's the minimum.

三到六個月的開銷，這是最低標準。

A proven savings framework for every paycheck.

每份薪水都有經過驗證的儲蓄架構。

The rule is you give 50% of take home pay to essentials only, things you need.

規則是，你把五成的稅後收入只用於必需品，也就是你需要的東西。

30% to discretionary spending once and 20% directly to savings.

三成用於可自由支配的開銷，兩成直接存起來。

So you're spending most of what you earn on your housing, food, utilities.

所以你大部分的收入都花在你的住房、食物、水電上。

You're spending 30% on entertainment, dining out, hobbies.

你將三成用於娛樂、外出用餐、嗜好。

Because what should really scare you, and

what scares me, is having to go work a normal job, a job I hate, where you take the subway every single day and a commute that feels like you're wasting time to a place where you like nobody that you work alongside doing things that don't stimulate you or inspire you.

還有讓我害怕的，是必須去一份普通的工作，一份我討厭的工作，每天搭地鐵通勤，通勤時間感覺像在浪費生命，去一個你一點都不喜歡同事的地方，做些不刺激或不啟發你的事情。

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如何逃離 "老鼠賽跑"（學校從未教過你的金錢遊戲） (How To Escape The Rat Race (The Money Game That School Never Taught You))

stuff

mindset

average

consumption