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  • All right, let's jump right in.

    好了,我們直接切入主題。

  • According to a recent study, Americans are wasting $18,000 on nonessential items a year.

    一項近期研究指出,平均每名美國人每年花費一萬八千美金在不必要的東西上。

  • $18,000. Guys, that could be going toward paying down your debt, retirement or even your emergency fund.

    一萬八千美金。大夥們,這些錢大可拿來還債、當退休金或緊急備用金。

  • I mean, you could do so many things with that money.

    我的意思是,這些錢可以拿來做好多事。

  • Could you imagine if you had that money saved in the bank, how much better you would sleep at night versus spending it on stuff that really doesn't matter?

    你想像一下,比起將這一大筆錢花在非必需品上,存到銀行裡想必可以讓你夜晚睡更香。

  • Well, I put together a list of categories of things that you do not need to spend money on, okay.

    我整理了一個表格,將非必需品分類。

  • And I've broken them down into three different categories.

    我將它們分為三類。

  • The first one: subscriptions.

    第一類是:訂閱。

  • Smartphone apps, yep. They can get expensive.

    智慧型手機應用程式,沒錯。它們可能很貴。

  • I may or may not have purchased workout app that I thought you had to pay a little bit each month.

    我也曾經買過健身應用程式,我想說每個月只需要付一點費用。

  • No, no. They charged ole Rachel's account the entire amount.

    不,想太美了。它們最後花了妹子我一大筆金額。

  • So I got charged $109 for this dang workout app that later, come find out, it had workouts that basically you could get from the Nike app for free.

    所以我後來總共花了 109 美金在這個該死的健身應用程式上,後來才發現,原來 Nike 的應用程式上就有免費的。

  • But, oh, it just broke my heart and still scarred me to this day.

    不過 …… 這件事現在說來都還是讓我心痛。

  • But really, we can waste a lot of money on apps.

    但講真的,我們可能會浪費好多錢在應用程式。

  • Even those games that you're addicted to.

    甚至是那些你上癮的遊戲。

  • Yeah, it's like well 99 cents to buy this thing here or that thing here, and it just seems harmless.

    對,少少 99 分錢就能買個這個再買個那個,看起來無傷大雅。

  • But when you look, Americans spend almost $100 a year buying stuff in their mobile games.

    但當你細究,美國人平均每年花了近 100 美金在手遊上。

  • Yeah, it's crazy.

    太瘋狂了。

  • Also, subscription boxes.

    還有就是,訂閱盒。

  • Yeah, like Birchbox, Graze, Stitch Fix, BarkBox.

    像是 Birchbox (美妝訂閱盒)、Graze (零食訂閱盒)、Stitch Fix (服飾訂閱盒)、BarkBox (寵物狗用品訂閱盒)。

  • These are all really fun.

    這些東西是很有趣。

  • They're super convenient, but if you're getting out of debt, especially, or saving up for your emergency fund, places that you can cut.

    而且非常方便,但如果你債務纏身,或尤其是正在存緊急備用金,這些是你可以捨棄的。

  • Ah, cable, mmm, I'm sorry to say it, but it's true.

    啊,有線電視,嗯 …… 很抱歉這樣說,但是真的。

  • Things like cable, Hulu, Netflix, Amazon, YouTube TV, all of these subscriptions that are aroundyou can cut those.

    像是有線電視、Hulu、Netflix、Amazon、YouTube 電視,這些你生活周遭的訂閱,這些都能捨棄。

  • Because the average cable bill is $85 a month.

    因為有線電視每個月平均要價 85 美金。

  • That's over $1,000 a year.

    一年下來超過 1000 美金。

  • So remember, it's 2019. There's so many free or cheap options that you can have to watch TV, so look into that.

    所以記得,已經 2019 年了。有很多免費或是比較便宜的節目觀看選項,去研究一下這方面。

  • And I even went and looked at the top ten shows on TV right now, and eight out of 10 of them are on free TV.

    我甚至去超了目前前十大熱門節目,其中有八個都能在免費電視收看。

  • So you don't need cable or a subscription to watch those.

    所以你根本不需要有線電視或是訂閱就能觀看。

  • So you can keep up with the trends of all the great shows without spending all the money.

    不需要花那麼多的錢,你也能夠跟上節目潮流。

  • All right, the next category that you don't need to spend money on is in the financial space, okay.

    好,下一類非必需品是在金融方面。

  • Timeshares, oh, no, no, no.

    分時度假,噢噢絕對不行。

  • The average timeshare will cost you around $19,000, plus you have annual fees every year, and they're basically impossible to get rid of.

    分時度假平均會花你大約一萬九千美金,況且還有根本躲不掉的年費。

  • People are always wanting out of timeshares, and they can't get out.

    很多人都想擺脫分時度假,卻難以脫身。

  • Now if you're stuck in a timeshare and you really want to get out, there's an amazing company that will help you: Timeshare Exit.

    如果你正好深陷其中二期很想擺脫,有家很棒的公司可以幫你:Timeshare Exit。

  • So I'll put a link in the show notes to link to them, so make sure to check them out.

    我在底下附上連結,記得去看一下。

  • Also in the financial category is whole life insurance.

    還有就是終身壽險。

  • We talk about life insurance on here a lot, but it's just true. Whole life insurance is going to cost you 10 times more than term life.

    我們在這裡談過很多次終身壽險了,但事實真是如此。終身壽險的費用比定期壽險要貴上十倍。

  • Get it out of here.

    擺脫掉它吧。

  • Extended warranties. Research shows that if you need a repair on an appliance, the majority of the time, it is even outside the warranty time.

    保固期延長。研究顯示大多時候東西等到需要維修時,早已超過保固期。

  • So save that average $126 people usually spend on the extended warranty. Put it back in your pocket.

    所以省下人們通常花在保固期延長上的 126 美金吧。把錢放回口袋。

  • Last but not least in this category is the lottery.

    最後一點,樂透。

  • Yes, the average American spends $223 a year on the lottery, which equals $80 billion overall.

    沒錯,平均每位美國人年花 223 美金在樂透上,總和等於 800 億美金。

  • And we all know the stats about the chances that you're going to win the lottery.

    我們都知道中樂透的機率如何。

  • Okay, it's not gonna happen.

    認了吧,不可能的。

  • Let's just throw it out there. It's not gonna happen.

    錢就這樣撒出去了。美事卻總不成。

  • So save your money there.

    所以省下這筆錢吧!

  • And the last category you don't need to spend money on is when it comes to clothes and fashion.

    最後一類非必需品,衣服和時尚。

  • The average American spends $3,000 a year on clothes.

    平均每位美國人一年花 3000 美金在服飾。

  • I mean, how many times have you walked into your full closet and said, "Oh, I just don't have anything to wear?"

    想想你有多少次打開全滿的衣櫃如然後心想:噢,我怎麼沒什麼好穿的?

  • Yeah, it happens to me. I'm guilty of that.

    沒錯,我也會這樣想。我有愧於心。

  • But you know what it comes back to?

    但你知道事實是怎樣嗎?

  • It's not that you don't have anything to wear.

    你並不是真的沒東西好穿。

  • Obviously you do, but it's a heart issue.

    你顯然有很多,所以問題出在心態。

  • It's a contentment issue.

    關乎知足與否。

  • And so contentment is a huge part of this money message, you guys, and so we put together a special bundle for this episode that pairs my "Contentment Journal" with my book "Love Your Life, Not Theirs," because they pair so well together.

    所以要想省錢知足很重要,大夥們,為了這集我推出包含《知足日誌》及《愛自己的生活,而非他人的》的套組,這兩個很適合搭配。

  • And again, it gets you in this place of practicing contentment.

    最後一樣將你帶回到學習知足的課題。

  • So you can check that out if you click the link in the show notes.

    你可以點擊下方連結了解更多。

All right, let's jump right in.

好了,我們直接切入主題。

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