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.