Name: 我研究了1個月的錢！現在我討厭現金！ (I studied money for 1 month. Now I hate cash.)
Uploaded: 2026-01-20T17:42:06.000Z
Duration: 6 min 32 s

祈使句型

See, I used to think that cash is king, but now I think it's the enemy.

其實我以前覺得現金為王，但現在我覺得它是敵人。

Most of us put cash right here in our bank account where we think it's safe.

我們大多數人會把現金放在銀行帳戶裡，覺得那裡很安全。

頻率副詞

平均通貨膨脹是百分之三點一。

This means that every year our money disappears by 3.1%.

這代表我們的錢每年都會消失百分之三點一。

My friend Yoni and I are on a six month challenge to study money.

我的朋友 Yoni 和我正在進行一個為期六個月的挑戰，來研究金錢。

How it works, how it shrinks, and how it grows.

它是如何運作、縮水和增長的。

Yoni is the founder of Etoro, the largest social trading platform in the world.

Yoni 是 Etoro 的創辦人，Etoro 是全球最大的社交交易平臺。

If you want to join us, just click on this link.

如果你想加入我們，點擊這個連結就可以了。

Everything we're reading is available to you for free.

我們正在閱讀的內容，你都可以免費取得。

If every year is only 3.1%, in 24 years alone, your money will go down like this and you will have 50% less buying power.

如果每年只有 3.1%，光是 24 年，你的錢就會變成這樣，購買力會少一半。

Your money is worth half as much, which means everything else is double as expensive.

你的錢價值減半，代表其他東西都變貴一倍。

So your cash sitting in the bank today can buy you a car, but

所以你今天存在銀行的現金可以買一輛車，但

in 24 years it may only buy you a bicycle.

24 年後可能只夠買一輛腳踏車。

The importance of learning how to manage money is, if you think about it, we spend so much of our time getting a job making money.

學習如何管理金錢的重要性，仔細想想，我們花很多時間找工作賺錢。

We need to spend some of that time actually managing money in order to build wealth over time.

我們需要花一些時間來實際管理金錢，才能隨著時間累積財富。

I see so many of NAAS company members keep their salary, salaries in cash in the bank.

我看到很多 NAAS 公司成員把薪水、薪水以現金存放在銀行裡。

Like Lorena, who now has tens of thousands of dollars sitting in cash.

就像 Lorena 一樣，她現在有幾萬塊現金放在那裡。

You have to learn about how to invest and invest your money.

你需要學習如何投資，以及如何投資你的錢。

Compound interest investing stock market.

從 1957 年開始，這是一個真實的故事。

If you take the US stock market or the S&P 500, which is basically a representation of the biggest companies in America, The S&P 500 got a yearly profit of 10% on average.

如果你看美國股市，或是 S&P 500，它基本上代表了美國最大的公司，S&P 500 平均每年有 10% 的獲利。

This means despite the Vietnam War, despite the dot com bubble, despite the 2008 financial crisis, despite the COVID 19 pandemic, the US stock market went up on average 10% every year.

這代表儘管有越戰、網路保麗龍、2008 年金融危機、COVID 19 疫情，美國股市平均每年都上漲了 10%。

This tiny 10% difference can make a huge difference in your money in investing.

這微小的 10% 差異，在你的投資金錢上，可以造成巨大的不同。

Cash sitting in the bank goes down like this.

放在銀行裡的現金會像這樣貶值。

He says compound interest is the eighth wonder of the world.

He who understands it earns it and he who doesn't, pays it.

理解它的人能賺到它，不理解它的人則要付出代價。

各位，我不是在給你們財務建議。

I'm not gonna say invest in this stock or that stock.

我不會說要投資這支股票或那支股票。

What I'm gonna say is if your money is sitting in cash like many people in my company, then you may be doing a mistake.

我會說的是，如果你的錢像我公司裡很多人一樣放在現金裡，那你可能犯了個錯誤。

自從我拍了那支影片後，我的頭髮長長了。

But also I looked into our cash as NAS company and I discovered a massive problem.

但我也檢視了我們 NAAS 公司的現金，發現了一個大問題。

So we have access to $30 million as a company.

所以我們公司有 3000 萬美元可以使用。

And I discovered that 10 million of these dollars are sitting there in cash.

我發現其中 1000 萬美元就這樣放在現金裡。

And that's a big problem because it means we're losing $300,000 a year just from inflation.

這是一個大問題，因為這代表我們每年光是通膨就損失 30 萬美元。

So what I did, we kept enough cash for three months of operations as a company.

所以我做了什麼呢？我們公司保留了三個月營運所需的現金。

And the remaining in the 10 million, we just invested all of it in very low risk interest bearing stuff.

而剩下的 1000 萬美元，我們全數投資在風險非常低、有利息的產品上。

This one day exercise with my team has saved me hundreds of thousands of dollars.

這項和團隊一起進行的單日演練，為我省下了數十萬美元。

我花了一個月的時間研究金錢。

And I'm telling you, investing is not scary.

You can invest in stocks, in assets, in real estate, in crypto, anything you want.

你可以投資股票、資產、房地產、加密貨幣，任何你想投資的東西。

The most important thing is don't leave your money in cash because it disappears 3.1% every God damn year.

最重要的一點是，別把錢放在現金裡，因為每年都會消失 3.1%。

No one can time the market and no one knows when it goes up or down.

沒有人能預測市場時機，也沒有人知道它什麼時候會漲或跌。

Investing belongs to the future and cash belongs to the past.

投資屬於未來，現金屬於過去。

你們也看到了，我真的很討厭現金。

See you next month for another video about money.

下個月見，看我們另一支關於金錢的影片。