Name: 我36歲了！如果你20幾歲，一定要看這部影片！ (I'm 36. If You’re In Your 20s, Watch This)
Uploaded: 2026-02-19T01:41:59.000Z
Duration: 21 min 21 s
Description: 【看影片學英語】數萬部 YouTube 影片，搭配英漢字典即點即查，輕鬆掌握單字發音與用法，長久累積看電影不必再看字幕。

I spent most of my 20s chasing one thing, becoming a doctor.

我花了大部分的20幾歲追求一件事，就是成為一名醫生。

動名詞

And at the age of 33, after finally, you know, making it and getting this six figure salary and this prestigious job title, I quit all of it.

到了33歲，在我終於成功、拿到六位數的薪水和這個令人稱羨的職稱後，我全部辭掉了。

I walked away from medicine to become an entrepreneur.

我離開醫界，成為一名創業家。

And honestly, I felt like I had wasted an entire decade of my life.

老實說，我覺得我浪費了整整十年的生命。

But if I could go back and talk to my 25 year old self, I tell them this, that you're optimizing for the wrong thing.

但如果我能回到過去，跟25歲的自己說話，我會告訴他們這件事：你正在最佳化錯誤的事情。

So today I'm breaking down exactly what I wish I had understood in my 20s and early 30s.

所以今天我要來詳細解析，我希望在20幾歲和30幾歲初時就該明白的。

How to invest in yourself so that you can adapt to any market condition and actually build wealth.

如何投資自己，讓你能夠適應任何市場狀況，並且真正累積財富。

So think about your whole career, like investing.

所以，把你的整個職涯都想成是投資。

Like Most people put 100% of their assets in one single stock, which is their job title.

就像大多數人把100%的資產放在單一股票，也就是他們的職稱一樣。

But if that company tanks, then you're done.

但如果那間公司倒閉，你就完蛋了。

But what if instead you built yourself a diversified portfolio?

但如果換個方式，你建立了一個多元化投資組合呢？

Multiple revenue streams, skills that transfer across industries, and leverage that compounds even when you stop working.

多個收入來源、跨領域技能，以及即使你停止工作也能持續複利的槓桿。

If you watch me enough, you'll know that I love alliterations, but

如果你看我的影片夠多，就會知道我超愛頭韻，但是

you want to work on your mind, money and muscle.

你想要好好經營你的心智、財富和體魄。

So let's actually start with muscle, right?

所以我們就從體魄開始吧，對吧？

A lot of people ask like, what the hell does that mean?

很多人會問，這到底是什麼意思？

It's actually the most underrated investment.

And yes, I'm actually talking about muscles in your body, right?

沒錯，我說的就是你身體的肌肉，對吧？

Muscle directly determines how you build and sustain wealth.

肌肉量直接決定你如何累積財富和維持財富。

When I was working as a hospital doctor, especially during the pandemic, I was on the front lines.

我以前當醫院醫生時，尤其是在疫情期間，我都在第一線。

I was seeing patients at their absolute worst.

For many people, when they wake up in the morning, they literally can't do anything.

很多人早上醒來，真的什麼都做不了。

They open their eyes and they're just stuck in bed because they literally can't get out of bed.

他們睜開眼睛，就卡在床上，因為他們真的爬不起來。

And as a doctor, I met so many of these people and many of them had been very successful during their entire lives.

身為醫生，我遇到好多這樣的人，而且他們很多人一生都非常成功。

They'd built massive careers, they'd made so much money.

他們建立過很棒的職涯，賺了很多錢。

I mean, the hospitals I worked at, I was meeting celebrities and celebrities parents.

我的意思是，我工作的醫院，我遇到過很多名人還有名人的父母。

And the one thing I saw in common was that a lot of them completely neglected their health.

而我看到他們共同的一點是，很多人完全忽略了自己的健康。

And so now they were spending their final 20 to 30 years of their life just suffering.

所以他們生命最後的二、三十年就這樣痛苦地度過。

And so around this time, this is when I discovered the work of Dr. Peter Attia.

大約在這個時候，我發現了 Peter Attia 醫生的研究。

He's also another doctor who left traditional medicine to focus on longevity and quality of life.

他也是一位離開傳統醫學，轉而專注於長壽和生活品質的醫生。

And in his book Outlive, which I highly recommend, it just really changed the way I think about health as a long term investment.

在他的著作《Outlive》中，我非常推薦這本書，它徹底改變了我對健康作為長期投資的看法。

You know, when I exercise today, I don't care about the performance.

你知道，我今天運動時，我不在乎表現。

I care about the preservation and longevity of my body for whatever number of years I have left.

我在乎的是我餘生身體的保養和長壽。

It's correlated with things like metabolic health, cognitive function, and, and

它與代謝健康、認知功能，以及

your ability to stay independent as you age.

你年老時保持獨立的能力有關。

And studies have shown that people with higher muscle mass in their midlife have up to 50% lower mortality risk later on in life.

研究顯示，中年時肌肉量較高的人，晚年死亡風險會降低高達 50%。

But the problem is that after about age 30, you lose 3 to 5% of all your muscle mass per decade if you don't actively use it or maintain it.

但問題是，大約 30 歲之後，如果你不積極使用或維持肌肉，每十年就會流失 3% 到 5% 的肌肉量。

It's called sarcopenia, and it's one of the main reasons people lose mobility and independence.

這叫做肌少症，也是人們喪失行動能力和獨立性的主要原因之一。

And yes, if you start right now in your 20s, in your 30s, you build up a good reserve of muscle.

沒錯，如果你從 20 幾歲、30 幾歲就開始，就能建立良好的肌肉儲備。

All I'm saying is lift weights maybe two to three times per week and build a foundation now, because with all these medical advances that we're going through, we're probably going to extend all of human longevity into our 90s, who knows, maybe past 100 for a lot of people.

我只是想說，每週舉重兩到三次，現在就打好基礎，因為隨著我們經歷的這些醫療進步，人類的壽命可能會延長到 90 歲，甚至對很多人來說，可能超過 100 歲。

And you want to ask yourself, are you going to be able to enjoy those extra decades of your life, or are you going to be dependent on other people for basic needs?

然後你會問自己，你能不能享受生命中額外的幾十年，還是你會依賴別人來滿足基本需求？

Now, let's talk about the second M, which is money, right?

好，我們來談談第二個 M，也就是 money，對吧？

When you talk about investing, that's what most people talk about.

談到投資，這也是大多數人會說的。

But here's the thing that they don't teach you in school is that being rich and being wealthy, they're two completely different games.

但學校沒教你的一件事是，有錢和富有是兩種完全不同的遊戲。

And if you're in your 20s and 30s right now and you're kind of grinding for that high salary, then you might be playing the wrong game entirely.

如果你現在 20 幾歲或 30 幾歲，正在為高薪而努力，那你可能就玩錯遊戲了。

So when I was working full time as a doctor, I was making $350,000 per year, right?

所以當我全職當醫生的時候，我一年賺 35 萬美元，對吧？

It was a great salary on paper, but I was overworked.

帳面上看是個很棒的薪水，但我工作過度了。

My shifts were 12 hours, sometimes 15 hours long.

我的班次是 12 小時，有時候長達 15 小時。

I was so busy that I barely had time to spend the money.

And the thing that just kept bothering me was that the moment I stopped working, the money would stop coming in, which meant that I had zero leverage.

而一直困擾我的事情是，一旦我停止工作，錢就停止進來，這意味著我沒有任何槓桿。

So I was rich in income, but poor in assets, and income without assets.

所以我在收入上很富有，但在資產上很貧窮，而沒有資產的收入。

That's basically just a high paying job that you can't escape.

這基本上就是一份你無法擺脫的高薪工作。

When Mattie and I transitioned to entrepreneurship, we were starting to work for ourselves.

當我和 Mattie 轉向創業時，我們開始為自己工作。

we were also building wealth that worked for us even when we weren't working.

我們也在累積為我們工作的財富，即使我們沒有在工作。

So our YouTube videos, they just kept bringing in more views, more sales, more clients, our Digital products kept generating revenue.

所以我們的 YouTube 影片持續帶來更多觀看數、更多銷售、更多客戶，我們的數位產品持續產生收入。

I mean, we had some digital products that we stopped marketing for many, many months and, and

我的意思是，我們有些數位產品已經好幾個月沒有行銷了，而且

And so there are a lot of ways that you can build these kind of assets that work for you.

所以有很多方法可以為你建立這類為你工作的資產。

One of my favorite frameworks comes from Naval Ravikant, and he breaks down these assets into four categories.

我最喜歡的框架之一來自 Naval Ravikant，他將這些資產分為四類。

Capital is the old school kind of leverage.

This is hiring people to multiply your efforts.

這是聘請別人來放大你的努力。

It can get pretty expensive and hard to scale, but it is a form of leverage.

這可能會變得相當昂貴且難以擴大規模，但這也是一種槓桿。

But it's these last two forms of leverage that get really interesting because it's been democratized.

但最後這兩種槓桿才真的有趣，因為它們已經普及化了。

Build something once and it just works forever.

And this is why tech founders can become billionaires.

這也是為什麼科技創業者能成為億萬富翁。

You had to learn how to code to actually access this leverage.

你必須學會程式碼才能真正運用這種槓桿。

But now with AI, everyone's a vibe coder.

但現在有了 AI，人人都是 vibe coder。

If you spend a few hours to learn, you can probably vibe code some software that once took dozens of people to build.

如果你花幾個小時去學，你大概就能用 vibe code 做出以前需要數十人才能完成的軟體。

But the fourth piece of leverage here is content.

It's something that used to be reserved for the elites or like the ultra wealthy, right?

以前這東西是保留給菁英或超級有錢人用的，對吧？

Like back then, people owned like newspaper printing presses.

就像以前，大家擁有報紙印刷機一樣。

You had to be like a big celebrity to get even access the media.

以前你得是大明星才能接觸媒體。

Nowadays, anyone can create content and anyone can create attention.

現在人人都能創作內容，人人都能吸引目光。

And it's the attention that's actually the new form of cash.

而注意力，才是新的財富形式。

And content is the leverage that I use to escape my 9 to 5 job.

內容是我用來擺脫朝九晚五的槓桿。

You create once and you can distribute it infinitely.

My videos that I made three years ago are still bringing in me business today with no extra cost.

我三年前做的影片，到現在還能為我帶來生意，而且零成本。

So thinking about leverage in this way was such a wake up call for me.

所以這樣思考槓桿，對我來說是個很大的啟發。

Because rich means that you have cash flow, but

wealthy means that you have assets that generate cash flow.

富裕是指你擁有能產生現金流的資產。

And when you have things like code, content, collaboration, capital, all those things working together, you could lose everything tomorrow and still rebuild all your wealth back in a matter of months.

當你擁有程式碼、內容、合作、資金等一切事物一起運作時，你就算明天一無所有，也能在幾個月內重建所有財富。