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  • Translator: Queenie Lee Reviewer: Denise RQ

    翻譯者:Queenie Lee 檢閱者: Denise RQ

  • The average person in the UK has only 11 weeks income saved in the bank.

    在英國,一般人在銀行的存款數相當於他們 11 週的所得總數

  • How much do you have saved?

    你目前存了多少錢?

  • How long could you live for if your paycheck stopped coming in?

    如果你沒有薪水進帳,你能夠支撐多久?

  • Maybe you've never thought of that,

    或許你從來都沒有想過這個問題,

  • and it might be a little bit scary to think about.

    又或許光是想到這點,就令人感到害怕

  • Today, I'm going to share with you about passive income,

    今天,我要和你們分享一下關於被動收入

  • and how to design your dream life through building up your passive income's dreams.

    以及如何透過建立被動收入來描繪出你的夢想人生

  • Designing your dream life through passive income,

    透過被動收入描繪你的夢想人生,

  • that's a big claim.

    那是個很重要的主張

  • Wish me luck!

    祝我好運!

  • Why is passive income important to us?

    為什麼被動收入對我們而言很重要?

  • And what is it?

    而它又是什麼?

  • In October 2012, I knew absolutely nothing about passive income.

    在 2012 年的 10 月份時,我完全不知道被動收入是什麼,

  • I was here, it's like you've said, I was at B Block, Derwent uni,

    我當時在這裡,像你們講的,我在德溫特大學 B 棟,

  • and I knew nothing about passive income.

    而我對被動收入一無所知

  • I knew how to make income.

    我知道如何賺錢

  • I knew that you go and swap your time for money,

    我知道你必須用時間換取金錢,

  • that's called active income or earned income.

    那是所謂的主動收入或是賺取收入

  • It's what you do when you get a job, and that's what 99% of us in the world do.

    這就是你有工作時會做的事,而這也是全世界百分之九十九的人在做的事

  • The opposite of that is passive income, or recurring income.

    反之則是被動收入,或是經常性收入

  • It's where you do the work once,

    它是當你完成一次工作,

  • and you continue to get paid recurrently for very little or no actual work.

    而之後只要以少量或甚至不需要做任何工作就可以持續的獲得報酬

  • When your passive income, the recurring income,

    當你的被動收入或經常性收入

  • exceeds your cost of living

    超越你的生活開銷

  • what you spend on food, utilities, petrol, all that kind of stuff

    也就是你花在食物、水電、汽油,這些東西上的費用

  • when your passive income exceeds your cost of living,

    當你的被動收入超過你的生活開銷,

  • then you were financially free.

    那你就獲得財務自由

  • If you happen to lose a job or not get a paycheck,

    假使你碰巧失去了工作或是沒有得到工資,

  • you can live infinitely forever.

    你可以永遠的存活下去

  • Now, why is that important? So this is a question, get ready for it.

    那麼,為什麼這點很重要?所以這是一個問題,準備好了嗎?

  • Let's have some audience participation.

    大家一起來參與一下

  • Can you think of reasons why your paycheck would stop coming in?

    你能想到為什麼薪水會停止入帳的原因嗎?

  • You break a leg. Perfect!

    你摔斷腿,沒錯!

  • So you're sick, or you're incapacitated, you're unable to swap your time for money.

    所以你生病、或者你無法勝任,你無法以時間換取金錢

  • Thank you.

    謝謝你

  • Anybody else?

    其他人呢?

  • You get fired? Fantastic, perfect! Has anyone been fired in the room?

    你被炒魷魚?很棒,很好!在場的各位有人被炒魷魚過嗎?

  • (Laughter)

    (笑聲)

  • Perfect!

    非常好!

  • Anybody else got any other ones? Yeah.

    還有人有其他的答案嗎?

  • Awesome, that's a really good point.

    太棒了,這是個很好的論點

  • So your industry changes;

    所以你的產業轉型;

  • that could be a global financial crisis, or it could be modernization.

    這可能是全球性的金融危機,或是現代化

  • Things like that Lehman Brothers collapse,

    像是雷曼兄弟垮台的事件,

  • or the mining industry, or steel;

    礦業或鋼鐵業的

  • structural changes that can affect us.

    結構改變是會影響到我們的

  • That might have nothing to do with your competency at your job.

    那或許和你工作的能力無關,

  • You might also be taken over by a new firm.

    你的位置或許會被新公司的人佔走

  • There's a merger, and there are two of you at the same job.

    就是併購後,會有兩個人的職務重疊

  • And you're made redundant.

    那麼你就成為那個多餘的人

  • Or maybe you just fall out of your boss, and he asked you to trot along your way.

    又或許你和你的老闆意見分歧,所以他請你走人

  • It may not actually be due to your competency whatsoever.

    這或許和你的能力毫無關係

  • That's not a great position to be in, is it?

    但那不是一個太好的處境,對嗎?

  • If your financial security is effectively based on circumstance,

    如果你的財務安全是根基在環境

  • or things that might be out of your control.

    或你無法掌控的事情上

  • So when I was at uni,

    當我在唸大學的時候,

  • I just finished my second year, I got a first, which was great, in PPE.

    我剛讀完大二,我在哲學、政治學、經濟學都得了第一名,真的很棒

  • And I tried...

    然後我嘗試...

  • I took a few years to get to uni

    我花了幾年才進入大學,

  • I tried banking - I tried Citigroup in Canary Wharf

    我做過銀行業務,在金絲雀碼頭的花旗銀行

  • I tried accountancy, I tried law, I tried sales, IT sales, PR

    我做過會計、法律、銷售、資訊科技銷售、公關

  • then I've tried Procter & Gamble.

    然後我也嘗試了寶潔公司的工作

  • I had this long list of proper jobs

    我可以列出一張很長的工作表單

  • of what I thought respectable people go and do these things.

    是我認為品格高尚的人會去做的事情

  • I tried working with children.

    我試過和孩子們一起工作,

  • And I really enjoyed it, I didn't dislike the jobs.

    我非常享受,我並沒有討厭這些工作

  • I liked the people I was working with,

    我喜歡曾和我一起工作的人們,

  • so if you're watching, please, don't think I didn't.

    所以如果你們正在收看,請不要認為我不喜歡你們

  • But it didn't light me up.

    但那並沒有讓我開心

  • I couldn't see myself spending the next 45 to 50 years,

    我無法想像自己繼續工作 45 到 50 年,

  • so what is the retirement age now?

    那現在的退休年齡是幾歲呢?

  • Is it 65 or 67?

    是 65 還是 67 歲?

  • What happens when we get to that age now?

    當我們到了那個年紀的時候會發生什麼事?

  • 75, 80, 100? Who knows!

    75、80、100 歲?誰能夠知道!

  • I couldn't spend the next 50 years of my life doing this thing.

    我無法浪費未來的 50 年人生在做這件事

  • I remember Procter & Gamble,

    我記得寶潔公司

  • they said to me on my final day, in Hornbeam Park, Harrogate.

    他們在我上班的最後一天告訴我,就在位於哈羅蓋特的 Hornbeam 公園那的辦公室

  • They said, "We want to offer you a job when you finish uni,

    他們說:「我們想要在你大學畢業時提供你一份工作,

  • but we're not quite sure if it's right for you."

    不過我們不確定這工作是否適合你」

  • And I thought, "Well ...," you know, I didn't know how to take that.

    然後我想:「這個嘛...」你知道的,我不曉得要如何回應

  • They said, "Just pop out the room.

    他們告訴我:「你可以離開了,

  • We'll bring in the other boss, and we'll have a chat."

    我們將請另外一個老闆進來,然後我們要談一談」

  • When I came back in there I was smiling.

    當我再進去時,我臉上帶著微笑,

  • They were like, "What are you doing smiling?

    他們說:「你在笑什麼呢?

  • You know, we sort of saying we don't really want to offer you the job."

    你知道我們在想我們並不是很想要提供你這份工作」

  • I said, "No one has ever said that to me."

    我回答:「從來沒有人對我這樣說」

  • I thought it in my head.

    我在腦海裡想著,

  • I thought I can't do this, but I didn't know there was an alternative.

    我認為我無法勝任這份工作,不過我並不知道我還有其他選擇

  • It took someone else to say it to me,

    直到有人告訴我,

  • to say, "You know what? They're right. I can't do this."

    我才明白「你知道嗎?他們是對的,我的確做不來」

  • So, as scary as that was,

    因此,雖然感到很恐懼,

  • it's like I'd shut that door, and now it was like, "Well,

    就好像我將那扇門關上,而現在就像是

  • let's start something from fresh, what can I do?"

    「那就從頭來過吧,我能夠做什麼呢?」

  • So I went home that night and started googling,

    所以當晚我回到家裡便開始谷歌搜尋,

  • as any self-respecting person does when they're faced with a life crisis:

    就像任何有自尊心的人在面對人生難題時候一樣:

  • they jump on Google.

    他們求助於谷歌

  • I started discovering terms like, 'how can you be your own boss, '

    我開始發現一些術語,像是「如何做自己的老闆」、

  • 'passive income', 'wealth creation, ' and words I've never come across before.

    「被動收入」、「創造財富」,和一些我從沒見過的字句

  • I started to read, and I've read about real life case studies,

    我開始閱讀,並看了很多關於真實生活的案例研究,

  • not billionaires or these incredibly talented people

    不是億萬富翁,也不是那些才華洋溢的人

  • but normal people who had picked a strategy,

    而是一個決定了策略的普通人

  • there are lots of ways of bringing in passive income.

    有很多方法可以帶來被動收入,

  • I chose property, but there are a lot.

    雖然我選擇的是房產,不過方法其實還有很多種

  • They said about taking work, that's taking action.

    他們談到付諸行動這點

  • Is it get-rich-quick overnight? No.

    這能夠讓你一夜致富嗎?不能

  • If anybody tells you it is,

    如果任何人告訴你可以,

  • the only way of doing that is the lottery, alright?

    唯一的方法是樂透,對嗎?

  • But it can't be get rich fast

    但它不能夠快速致富

  • whatever that is for you: months, years, it doesn't take long.

    無論你的方法是什麼,幾個月或幾年都好,這不會花太久時間

  • Continual sustained action can get you the results you want.

    持續保持的行動可以讓你達到想要的結果

  • So I read loads of books, I thought: "Great."

    因此我讀了很多書,我心想:「太好了」

  • They asked me, "A master like in uni?" I was like, "I'm reading other stuff."

    人們問我:「你是唸碩士嗎?」我說:「我唸的是其他的東西」

  • I went along to these...

    我附和這些談話

  • I chose property, it resonates with me,

    我選擇房產,因為它和我產生共鳴

  • but as I said, you don't have to pick property.

    不過如同我所說,你不一定要選擇房產

  • I went along to these events where I met normal people.

    我參加很多活動,在那裡我遇到的都是一般人

  • I remember a guy called Trevor - a normal guy came across property

    我記得一個叫崔佛,一個恰巧走入房地產的普通男子

  • Boom! He had 30 or 60 other houses, whatever it was,

    他擁有 30 還是 60 間房子,不管到底是幾間,

  • and I was like, "Well, if he can do it, I can do it, too."

    然後我想,「如果他能夠做得到,那麼我也可以。」

  • So I spent my student loan, and I took out a credit card.

    所以我用了學生貸款,拿出我的信用卡

  • I invested in myself to learn what to do; I invested myself.

    我投資自己學習如何去做;我投資自己

  • To cut a long story short, I started with no money.

    長話短說,一開始我沒有錢

  • I had no knowledge or education in this kind of stuff.

    也沒有關於房產的知識或教育

  • Two years later,

    2 年以後,

  • I had paid off every investor I borrowed from, own 24 houses,

    我償還了所有借款給我的投資者,擁有 24 間房子,

  • with the portfolio worth 3.5 million quid,

    我的投資組合價值 350 萬英鎊

  • and I won a few national awards.

    並且我贏得一些國家獎項

  • That doesn't mean I'm special at all.

    那並不代表我有什麼特別

  • I think the biggest thing I want to get across is anyone can do it,

    我想我所要傳達最重要的事是每一個人都做得到,

  • it's a strategy.

    它是種策略

  • If someone happens to get a degree,

    如果有人得到一個學位,

  • it doesn't mean they're an absolute legend.

    並不代表他們就絕對是個傳奇

  • They've just done what they've been told.

    他們只是做了他們被要求做的事情

  • They've rocked up to the classes, done the homework and got the result,

    他們去上課,做作業並得到成績,

  • whether it happens to be the first or 21 or 22, you get a degree.

    無論是第 1 名或是 21 還是 22 名,都能得到學位

  • And it's the same with wealth creation stuff.

    這和創造財富的道理是一樣的

  • Some people are blessed with natural ability,

    有些人擁有與生俱來的能力,

  • and that might get them there a little bit quicker.

    而那或許讓他們能夠更快地達到目的

  • But anyone can achieve the same results.

    但任何人都能夠達到相同的結果

  • The reason I wanted to get into this stuff

    我想要談論這個的原因是

  • was because I didn't like through I was heading down.

    因為當時的我不喜歡自己前進的方向

  • Unfortunately, for people in the UK,

    不幸的是,英國人口中,

  • 60 to 70% of people don't like their job;

    有 60% 到 70% 的人們並不喜歡他們的工作;

  • 60 to 70% of people don't like their job.

    60% 到 70% 的人們不喜歡他們的工作

  • And of that, a third of them hate their job.

    在那其中又有三分之一的人憎恨他們的工作

  • So out of 100 people, whatever it is in this room,

    所以在 100 個人當中,無論現在這個房間裡有多少人,

  • 25 people hate their job; but you don't have a choice.

    有 25 個人憎恨他們的工作;不過你沒有選擇

  • If you don't know anything different,

    如果你不知道你還能夠做什麼其他的事,

  • you have to go and swap your time for money.

    你就是必須以時間來換取金錢

  • You've got bills, you've got a mortgage, you've got to look after the children,

    因為你有帳單要付、你有貸款、你還要照顧孩子,

  • you don't have an option.

    你沒有選擇

  • Often, we work so hard in the day, that we're knocked at the end of the day,

    當我們白天努力上班一整天過後,通常在下班時已經疲累不堪,

  • or we don't have the headspace to start thinking about other things.

    我們根本沒有腦容量再去開始思考有關其他的事情

  • I didn't want to be in that position.

    我並不想變成那樣

  • The further you are down the line...

    你越是往那裡走去...

  • For you, students out there:

    就是你,在這裡的學生們:

  • this is the perfect time to take action - now.

    現在是做出行動的最好時刻-就是現在

  • You've got the time to really check this stuff out

    你有時間去好好的了解這件事

  • because I found that the older people get,

    因為我發現人們年紀越大,

  • they tend to maybe have a few more limiting beliefs or barriers.

    他們似乎就會有更多的限制信念或障礙

  • Everyone has the same ability.

    每一個人的能力是一樣的

  • In fact, older people have more ability, because they have more life experience,

    事實上,年紀較大的人擁有更多能力,因為他們有豐富的人生閱歷,

  • but there might be other commitments there

    不過他們也會有更多的義務

  • that block them in their brain from doing it.

    阻擋他們的大腦去這麼做

  • That's the hardest thing need to overcome, is your limiting beliefs in your head.

    最艱難且需要被克服的事就是你腦中的限制信念

  • Passive income from property is one way, but you can choose network marketing,

    來自房產的被動收入是一個方法,但是你也可以選擇網路行銷

  • like Forever Living or Utility Warehouse - that kind of stuff.

    像是 Forever Living 或是 Utility Warehouse 那一類的東西

  • You start to sell, you then build up a team of people selling for you,

    你開始銷售,然後建立一個團隊替你販賣

  • and eventually, they're all making money for you;

    到最後他們都在替你賺錢

  • you're not doing any work,

    你沒有做任何工作

  • You've got affiliate marketing where you drive traffic to websites

    你有聯合行銷讓你在網路上進行交易

  • and you make commission off all the purchases.

    並在每一筆交易中賺取佣金

  • What else have we got?

    我們還有什麼其他的方法?

  • Owning a business:

    擁有一個企業:

  • if you're not working in a business, you're not self-employed.

    如果你不是從商,你不是自僱人士

  • if you are, you are not really a business owner

    如果你是,你也不是一個真正的企業家

  • because you're still swapping your time for money like a plumber

    因為你還是像一個水管工人一樣,用時間換取金錢

  • unless they've got a firm, where they oversee it,

    除非他們擁有一間公司,只需要監督,

  • and people are running out doing the work for them.

    而人們替他們工作

  • You're still swapping your time for money.

    要不然你仍然是用時間在換取金錢的

  • You've got Amazon where you can set up a business

    你可以在亞馬遜的網站上設立一個公司

  • where you buy products in China and sell them over here.

    你從中國買進商品並在這裡銷售

  • Obviously, make commission on that; property is another one there.

    顯然地,賺取佣金;房產是另一種方法

  • There are loads of different ways of you generating passive income.

    有很多不同的方法能夠產生被動收入

  • The other thing I want to say

    另一件我想要說的是

  • is those of you who've got money in the bank,

    那些把錢放在銀行的人

  • or those of you not in the room who are watching further down the journey,

    或是那些並不在這裡,但正在觀望未來的人,

  • often, we're so busy focused on earning the money,

    我們經常忙著賺錢

  • we're not focused on what to do with it.

    而沒有專注於如何使用金錢

  • Albert Einstein calls

    愛伯特愛因斯坦稱

  • the compounding effect the eighth wonder of the world.

    複合效應為世界的第八奇蹟

  • A little bit of action, if you're young,

    在你年輕的時候做出一些行動,

  • a little bit of sensible investment or making that money work a lot,

    一些明智的投資或是讓金錢大量的運轉,

  • had a few adds up to something really special over time.

    隨著時間能夠加總到一筆可觀的數字

  • That doesn't need to be risky, or it's going to end in tears.

    那並不需要冒險,或是以哭泣收場

  • If you're smart,

    如果你夠聰明

  • you can make that money work really, really hard for you.

    你能夠使那筆錢好好的替你工作

  • That's not just coming and investing with me, or...

    而那不只是和我一起投資,或是...

  • No, there are loads of ways of doing that.

    不是,有很多方法都能夠達到目的

  • In terms of the how-tos,

    關於「如何」這方面,

  • I'm not going to talk today massively about all the ways you can do it.

    我今天不打算多談有關於所有你可以做到的方法

  • I'll put my blog up, sign up to that,

    我會放在我的部落格,註冊它

  • and I can send you more about the how-tos and what's right for you

    我可以寄給你更多有關於「如何」以及什麼是適合你的方式,

  • based on your income, or where you're at, or the time you have.

    根據你的收入、或者你在哪裡、或是你有多少時間

  • But the main thing I want to get across to you

    但是我要傳達給你的重點是

  • is what happens if you don't focus on building up passive income.

    如果你沒有專注於建立起被動收入會發生什麼事

  • Your predictable future is where you are right now.

    你現在所處的位置就是你可以預見的未來

  • If you're a student then you're probably eying up a job in the future,

    如果你是一個學生,那麼你或許正在尋求未來的工作

  • or if you got a job at the moment - that's not going to change.

    或者你目前有一份工作,這是不會改變的

  • That's not a problem at all, not a problem at all.

    這根本不是問題,根本不是問題

  • But you may want something different. Do you want to be working for ...?

    不過你可能想要不同的東西,你想要在...工作嗎?

  • If you love your job, that's awesome. Keep doing what you do.

    如果你熱愛你的工作,那太好了!繼續保持下去

  • That's fantastic! You love it.

    那太棒了!你熱愛它

  • And you're very much in the minority of doing it.

    你是非常少數這樣熱衷工作的人

  • But have the security, the peace of mind, and the freedom

    不過要有安全感、安心和自由

  • that if your desires change, or if your circumstances change,

    有一天當你想要改變的時候,或者你身處的情況不同的時候

  • then you don't have to do that job anymore.

    到那時你不一定要工作

  • If it is not there, you don't have to worry.

    假使沒有工作,你也不必擔心

  • So if you are sick, ill, if you get fired,

    因此如果你生病、被炒魷魚,

  • if your job changes, or your industry collapses;

    工作改變,或是產業瓦解;

  • there's not a problem.

    都沒問題

  • Or if you want to look after a sick relative.

    甚至是你想要照顧一個生病的親戚

  • What happens if you do get your passive income?

    如果你有被動收入的話會發生什麼事?

  • Now, probably some of you in the room are thinking a fancy car, a big house,

    現在這個房間裡頭的某些人或許想要一台豪華轎車、一間大房子、

  • all the material... A fancy logo on your shirt.

    所有的物質... 一個昂貴品牌在你的襯衫上

  • And that stuff is cool, right? It's fun, and it's great.

    那樣很酷對吧?這很有趣也很棒

  • For some people, that means more than others.

    對於某些人來說,物質比什麼都重要

  • I think the biggest thing for me

    我認為對我而言最重要的

  • is to ask what would you do with your life if money was no object?

    是問問自己當你的人生處於一個金錢無虞的狀態下你會做什麼?

  • If you didn't have to swap your time for money,

    假使你不需要以時間換取金錢

  • what would you do?

    你會做什麼?

  • Would you travel?

    你會旅行?

  • Would you go and learn to surf in Hawaii or do yoga in India?

    在夏威夷學衝浪還是印度學瑜珈?

  • Or go and help an orphanage in Cambodia?

    或是幫助柬埔寨的孤兒?

  • What would you do? What are you passionate about?

    你會做什麼?你熱衷於什麼事情?

  • That's maybe not something we ask ourselves a lot

    這或許是一個我們不常問自己的問題

  • because we don't see a way to achieve that.

    因為我們無法預見要如何達成這件事