Name: 【TEDx】用不完美的收入，創造你完美的人生 Alex Szepietowski TEDxUniversityofYork (Design Your Dream Life Through Passive Income | Alex Szepietowski | TEDxUniversityofYork)
Uploaded: 2018-02-10T21:59:58.000Z
Duration: 15 min 6 s

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 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？

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，

為什麼被動收入對我們而言很重要？

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，

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

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,

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，

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，

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？

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？

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

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？

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,

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

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

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.

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.

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

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

然後我也嘗試了寶潔公司的工作

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

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

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

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，

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？

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

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

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」

當我再進去時，我臉上帶著微笑，

They were like, "What are you doing smiling?

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 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

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」

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：

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，

【TEDx】用不完美的收入，創造你完美的人生 Alex Szepietowski TEDxUniversityofYork (Design Your Dream Life Through Passive Income | Alex Szepietowski | TEDxUniversityofYork)

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【TEDx】用不完美的收入，創造你完美的人生 Alex Szepietowski TEDxUniversityofYork (Design Your Dream Life Through Passive Income | Alex Szepietowski | TEDxUniversityofYork)

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