Name: 理財上最糟糕的錯誤！你犯了哪些？ (The WORST Mistakes In Personal Finance)
Uploaded: 2026-02-28T21:43:58.000Z
Duration: 17 min 23 s

祈使句型

I've made so many mistakes for the last 15 to 20 years that I wish I could just go back and tell myself, don't be an idiot.

在過去 15 到 20 年裡，我犯了太多錯誤，真希望我能回到過去告訴自己，別當笨蛋。

But what I can do is make sure a few of you don't run into the same mistakes that I did.

但我能做的是確保你們當中有些人不會犯跟我一樣的錯誤。

And that's what brings me to this video here.

It's from a YouTuber, Ben Felix, who I absolutely love, and

這是來自一位 YouTuber Ben Felix，我非常喜歡他，

he breaks down the most common financial mistakes that are probably going to be costing you three thousands, if not tens or hundreds of thousands of dollars over your lifetime.

他分析了最常見的財務錯誤，這些錯誤可能會讓你損失數千，甚至數十萬或數十萬美元。

And I want to comment on this as soon as you hit the like button and subscribe, because I guarantee this is going to wind up saving people a lot of money.

當你按下喜歡按鈕並訂閱後，我馬上就要來評論這個，因為我保證這會幫大家省下很多錢。

This first mistake might be controversial and I feel a little bad saying it, but

這個第一個錯誤可能會有點爭議，說出來我有點過意不去，但是

我覺得它沒有得到足夠的重視。

I know that's not completely in your control.

我知道這件事不是你完全能控制的。

Luck, including the family and the country that you're born into, can have a big impact.

像是運氣，包括你出生的家庭和國家，都會有很大的影響。

Income inequality is a complex issue, but

貧富差距是一個複雜的問題，但是

it remains true that for many people, especially younger people, your human capital, your ability to earn income by working or starting a business, is your most valuable asset.

對於很多人，特別是年輕人來說，你的人力資本，也就是你透過工作或創業來賺取收入的能力，仍然是你最有價值的資產。

You know, this is something I didn't realize until it was way too late.

說真的，這是我太晚才意識到的事情。

Like in the beginning of my career, I would do everything possible just to save any amount of money, regardless of how much time it took.

就像在我職涯初期，我會盡一切可能去省下任何一點錢，不管花多少時間。

Like I would spend an hour trying to save $10 on something while I really just should have been using that hour to make an extra hundred dollars.

像是為了省下 10 美元，我會花一個小時，但我其實應該要花那一個小時去多賺一百塊。

I mean, that would have taken me so much further than trying to like nickel and dime every little thing and using all of my mental energy just to save like pennies here and there.

我的意思是，這會讓我的進步大得多，而不是去斤斤計較每一件小事，把所有精神都花在省下零錢上。

It really made no difference whatsoever in the long run.

長遠來看，這真的沒有任何差別。

So my biggest piece of advice is if you can use your time to preferably make more money than save every little dollar possible, because in the long run it is going to help you out.

所以我最大的建議是，如果你能利用你的時間來賺更多錢，而不是盡可能地省下每一塊錢，因為長遠來看，這會對你有幫助。

Investing in your human capital by getting a formal education or learning a trade can increase the amount that you expect to earn over the course of your life, which is a pretty obvious benefit, but

投資你的人力資本，像是接受正規教育或學習一門手藝，可以增加你預期一輩子的收入，這是一個很明顯的好處，但是

it can also make your income more resilient to bad economic times.

這也能讓你的收入更能抵禦經濟不景氣。

Income and education are also associated with all kinds of other important metrics, like happiness, at least up to a point, and

收入和教育也跟各種其他重要的指標有關，像是幸福感，至少在某個程度內，以及

Number one, go and read the book Think and Grow Rich.

第一個，去讀《Think and Grow Rich》。

It is free on YouTube as an audiobook, so that costs you nothing.

這本書在 YouTube 上有 audiobook，免費聽，完全不用花錢。

Next go and read or listen to the book how to Win Friends and Influence People.

接著，去讀或聽《How to Win Friends and Influence People》。

Then go and read or listen to the book Awaken the Giant within by Tony Robbins.

然後去讀或聽 Tony Robbins 的《Awaken the Giant within》。

I promise that's going to be better than any education you could ever pay for.

我保證這樣做會比你花錢讀的任何教育都來得好。

And then all you have to do is learn how to be a self starter, take initiative and be self sufficient enough to to learn on your own.

然後你只需要學會如何當個自動自發的人，主動出擊，並且足夠獨立自主，可以自己學習。

If you could do that, I promise you're going to get ahead of like 90% of people out there for the cost of zero.

如果你能做到這點，我保證你就能超越外面大約 90% 的人，而且零成本。

The next Big Mistake Is Not Saving Enough A common number that gets thrown around is 10% of your income.

下一個大錯誤是儲蓄不足。一個常被提到的數字是你收入的 10%。

The important point from that research is that if you wanted to work and save for 40 years and then live in retirement for 40 years with a 70% income replacement rate, you'd need to save a minimum of 11.28% of your income during your working years.

那項研究重要的重點是，如果你想工作儲蓄 40 年，然後退休過 40 年，並且有 70% 的收入替換率，你工作期間至少需要儲蓄你收入的 11.28%。

I gotta say, the math on this just ain't mathing.

我得說，這數學算起來根本不對勁。

Because if you have 40 years of working and saving to be able to retire for 40 years, that's 80 years.

因為如果你有 40 年的工作和儲蓄時間，才能退休 40 年，這總共是 80 年。

Assuming you just start working and saving at the age of 18, this assumes you're going to live to the age of 98, which realistically most people are not going to live to 98.

假設你從 18 歲就開始工作儲蓄，這表示你活到 98 歲，但實際上大多數人活不到 98 歲。

The average lifespan is somewhere in like the mid to late 70s, which means you have to work and save for 40 years to maybe get 20 years in retirement.

平均壽命大概落在 70 幾歲，這表示你得工作儲蓄 40 年，才能換來 20 年的退休生活。

And realistically this 20 years is not going to be that great because your quality of life really tends to decrease after the age of like 60, 68 to 70.

而且說實在的，這 20 年的退休生活不會太好過，因為你的生活品質通常在 60、68 到 70 歲之後就會開始下降。

In terms of your physical ability to go and do things, this means you have to save more than 10%.

就身體能力來說，這代表你需要儲蓄超過 10%。

Realistically, most people need to save anywhere from 15 to 20% at a worst case scenario.

實際上，最糟的情況下，大多數人需要儲蓄 15% 到 20%。

And ideally you're saving 20 to 30% of your income.

理想情況下，你會儲蓄收入的 20% 到 30%。

That would get you on track to be able to retire early enough to be able to still enjoy most of your life.

這樣你就能提早退休，並且還能享受大部分的人生。

And if you're a crazy hyper saver, ideally you should be saving like 30 to 35% of your income.

如果你是那種超級節儉的人，理想上你應該儲蓄收入的 30% 到 35%。

That's just going to give you the best chance possible coming out ahead and having enough money stashed away not to have to work figuring out the exact amount you should be.

這樣才能讓你更有機會脫穎而出，存夠錢不用再煩惱確切的儲蓄金額。

Saving really requires sitting down with a good financial planning calculator or a financial planner and mapping out your long term goals so that you can chart the path to get there.

儲蓄真的需要坐下來，搭配一個好的財務規劃計算機或財務規劃師，規劃你的長期目標，這樣你才能規劃出達成目標的路徑。

I'm going to show you the chart, by the way, that changed my entire outlook on saving and investing.

順帶一提，我要給你看一張改變我對儲蓄和投資看法的圖表。

This shows you exactly how much you need to save to be able to retire in a certain amount of years.

這張圖讓你清楚知道，要達成特定年限的退休目標，你需要存多少錢。

So if you want to retire in under 10 years, you, you probably have to save 70% of your income.

所以如果你想在十年內退休，你可能得存下收入的 70%。

But you can also save a lot less, retire with a lot less if you know what you want to do.

但如果你知道自己想做什麼，你也可以存少一點，然後用比較少的錢退休。

This chart is absolutely gold in terms of achieving financial independence, which pretty much everyone watching I'm sure wants to hit at some point.

這張圖在達成財務獨立這方面絕對是無價之寶，我相信這裡幾乎所有觀眾都想在某個時候達成這個目標。

Not setting financial goals is another one of the biggest mistakes in personal finance.

沒有設定財務目標，是個人理財上另一個最大的錯誤。

People make wild financial decisions when they don't have at least a rough idea of where they want to end up.

當人們對自己最終想去哪裡沒有個大概想法時，他們會做出非常衝動的財務決定。

It's worth thinking hard about the financial goals you want to set, which isn't always easy.

仔細思考你想要設定的財務目標是值得的，雖然這不總是件容易的事。

If I ask you what your financial goals are, you probably won't be able to tell me.

如果我問你財務目標是什麼，你可能說不出來。

Even if you think you can, it's weird to think about.

就算你覺得自己說得出來，這也是一件有點奇怪的事。

Hey look, I know I'm usually a bit jokey in these videos, but

嘿，我知道我平常在影片裡比較愛開玩笑，

in all seriousness, anytime someone sets a financial goal, it's the same thing.

但說真的，只要有人設定財務目標，結果都差不多。

It's make more money, spend less, invest more consistently, yada yada yada.

就是賺更多錢、花更少錢、更穩定地投資，諸如此類的。

But there is one thing that literally determines whether or not you could even enjoy those things, and

但有一件事，真的決定了你能不能享受這些，那就是

For the longest time I made excuses for myself.

Like maybe I just got a bad night of sleep and I feel a little tired, a little fatigued, I got a little brain fog and I chalked it up to like, maybe I'm just a bit stressed out.

像是可能我睡得不好，覺得有點累、有點疲勞、有點腦霧，然後我就歸咎於，也許我只是有點壓力。

Last year Function Health reached out because they wanted me to do blood work.

去年 Function Health 找我，因為他們想讓我做血液檢查。

And I said yes because I've been putting it off and I wanted to get it done anyway.

我答應了，因為我一直拖著沒做，而且本來就想做。

And when I got my results, I had no idea that I had high cholesterol and some markers that suggested I should follow up on my thyroid.

拿到報告的時候，我完全不知道我有高膽固醇，還有一些指標顯示我應該追蹤一下甲狀腺。

Thankfully though, after making a few adjustments and taking some over the counter supplements, I legitimately feel completely better.

不過幸好，在做了一些調整並服用了一些非處方補充品後，我真的感覺好多了。

And none of that would have been possible without our sponsor, Function Health.

而這一切如果沒有我們的贊助商 Function Health，都是不可能的。

For those unaware, Function gives you access to more than 100 biomarkers, including things like cardiovascular health, inflammation, metabolic health, hormones, and

有些人可能不知道，Function 提供你超過 100 種生物標記的檢測，包含心血管健康、發炎、代謝健康、荷爾蒙等等，

And what I really liked about this is that it wasn't just a one off snapshot and that follow up testing was included so that you could track trends and see how your decisions are actually impacting your body over time.

我真的很喜歡這點，它不只是一次性的快照，還包含後續追蹤檢測，讓你追蹤趨勢，看看你的決定實際上是如何隨著時間影響你的身體。

In fact, when I did my second follow up, I I was able to reduce my cholesterol substantially.

事實上，在我第二次追蹤時，我成功大幅降低了我的膽固醇。

Seeing these changes happen firsthand was truly eye opening.

親眼看到這些改變發生，真的讓我大開眼界。

All because of dietary changes, sleep consistency and a few other things that I otherwise just would have had no clue on.

全都是因為飲食改變、規律睡眠和其他一些我原本根本不會知道的事情。

On top of that, I'm just going to say it.

I get super weirded out by having my blood drawn.

Like it's not something I would ever want to do.

就像我絕對不想做這件事一樣。

But lab visits are really quick and easy.

不過抽血檢查真的很快速又方便。

They have more than 2,000 locations across the United States and the membership is only $365 a year or about a dollar a day.

他們在美國有超過 2,000 個據點，年費只要 365 美元，大約一天一塊錢。

So if you want to take ownership of your health the same way you take ownership finances, the link is down below in the description.

所以如果你想像掌握財務一樣掌握自己的健康，連結就在下方的說明欄。

Or you could scan the QR code on the screen to sign up and get started today.

或者你可以掃描螢幕上的 QR code 註冊並立即開始。

Again, that link is down below or the QR code on the screen.

再說一次，連結就在下方，或是螢幕上的 QR code。