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  • one million

    百萬

  • darker

    較暗

  • are like a lot

    像很多

  • talking about your financial future out those figures become applet all of your

    談論你的財務未來出這些數字變得小程序,你的所有

  • sleep

    睡覺

  • caught at

    捉住了在

  • uh... i'd like to start

    呃...我想開始

  • uh... by posing a problem for you

    呃...冒充你的問題

  • and so i'm just gonna talk for a couple minutes until two q and a because pat

    所以我只是要去談了幾分鐘,直到兩個Q,因為拍

  • what we want to loose talk about what's on your wife but i'd like to think about

    我們不想失去什麼談什麼對你的妻子,但我想思考的問題

  • this for just a second

    這第二

  • if as we walked out of here today

    如果我們走出今天在這裡

  • i said i would like to buy

    我說我想購買

  • ten percent of your financial future

    您的財務未來的10%

  • i was going to write you a check today

    我正想給你寫一張支票今天

  • from the state forest

    從國家森林

  • you were going to give me ten percent of everything you her

    你要的一切你她給我百分之十

  • uh... how much would you want your for that

    呃...多少,你想你的,

  • modify one-tenth of you

    修改你的十分之一

  • and uh... i may take a little bit incidently so

    呃...順便說一句這樣,我可能需要一點點

  • careful what you are

    小心,你是什麼

  • all right now

    現在好了

  • well i think it has a lot about that logic

    嗯,我覺得它有很多關於這一邏輯

  • cop like that for a few let's see how you're going to check for me today

    幾個這樣的警察,讓我們來看看你會如何檢查我今天

  • in doing a lot with the money but

    在做了很多的錢,但

  • from the state for if you have to give me

    如果你有給我的狀態

  • ten percent of what you were not

    你沒有什麼百分之十

  • i think it would be very foolish

    我認為這將是非常愚蠢的

  • of you

  • any of you

    任你

  • if you ask for less than say fifty thousand dollars out of the few years

    如果你問不到五萬塊錢說幾年

  • before you're out

    你之前

  • earning money in so i've got a few years of that money there but then i would

    賺錢,所以我已經得到了那筆錢存在了幾年的,但然後我會

  • start getting his royal yacht

    開始得到他的皇家遊艇

  • visual along so

    沿著這樣的視覺

  • i really think that

    我真的覺得

  • if you thought about it

    如果你想過

  • most of you would want

    你最希望

  • for a lot more that i think you'd be right

    很多,我認為你是對的

  • uh... fortunately i didn't make this deal with anybody when i started out so

    呃...幸運的是,我並沒有做這筆交易時,我與任何人開始

  • i'm nobody's got a ten percent royally may but

    我沒有人有百分之十的莊嚴,但

  • uh... i think that

    呃...我認為,

  • fifty thousand what sort of the absolute minimum

    五萬什麼樣的絕對最低

  • and if you think about that

    如果你認為,關於

  • that means the right today

    這意味著今天的權利

  • you're worth five hundred thousand

    你的價值五十萬

  • because of ten percent is worth fifty thousand in cash today

    因為10%是值得五萬現金

  • your potential

    你的潛力

  • is worth a minimum on a hundred percent faces

    值得一最低百分百的面孔

  • a five hundred thousand dollars that is the big financial asset you've got it's

    說的是大金融資產,你已經有了它的一個五十萬美元

  • way more important

    更重要的方式

  • what you do with that five hundred thousand dollar asset that you all today

    你做了什麼,五十萬美元的資產,你今天的一切

  • whether you decide to buy stocks or bonds or whether you put your money in a

    你是否決定購買股票或債券,或是否在你把你的錢

  • mutual fund or pick your own stocks or anything of that sort

    共同基金或挑選自己的股票或那樣的話

  • the biggest financial asset

    最大的金融資產

  • that you have going for you by miles

    你已經為你準備英里

  • is the value of your own earning power over the years

    多年來的價值是你自己的盈利能力

  • so that's really what you should focus on you're focusing on your financial

    所以這真的是你應著眼於你要專注於你的財務

  • full future

    充滿未來

  • that means you should find focus on you

    這意味著你應該找到專注於你

  • because whether your ten percent is worth fifty thousand or a hundred

    因為無論你百分之十的價值五萬百

  • thousand three hundred thousand

    三十萬

  • which would be a five hundred thousand millionaire three million for all of you

    這將是一個五十萬百萬富翁3000000大家

  • whether it turns out that be one of the other is really dependent

    是否原來,對方是一個真的是依賴

  • i had a very large part on what you do in the next few years

    在未來幾年中,我有一個非常大的一部分,你做什麼

  • all of you in this room

    所有你在這個房間裡

  • have the brains to do extremely well in life

    大腦做的非常好,在生活中

  • you've all got the energy to do extremely well in life

    你都做的非常好,在生活中得到的能量

  • and the question is how do you apply it

    問題是如何你申請

  • if you've got a two hundred horsepower motor

    如果你已經有了一個200馬力的電動機

  • you get two hundred or spa robert

    你得到200或水療羅伯特

  • you get your full

    你得到你的全

  • potential or do you get a hundred or spa our fifty horsepower

    潛在的或你一百年或水療50馬力

  • now there's two things that happen

    現在有兩件事情的發生,

  • hold you back

    抱你回去

  • and getting

    並獲得

  • force power out of here

    這裡強制權力

  • your engine whatever may be all of you have the contentions

    引擎無論是在座的各位都有爭

  • at one of those the lack of education but that probably isn't going to happen

    在那些缺乏教育,但可能不會發生

  • to very many people trump

    很多人王牌

  • if you don't have a lack of education didn't it if you didn't have a chance to

    如果你不缺乏教育沒有它,如果你沒有有機會

  • get a decent education life

    得到一個體面的教育生活

  • it would make any difference what that potential was because

    它將使任何區別是什麼潛力,是因為

  • you've ever unblock

    你曾經疏通

  • but the second most important thing

    但第二個最重要的事情

  • and equally as important

    和同樣重要

  • is in terms of the habits that you develop in terms of what you do with

    你做什麼的習慣,你開發

  • yourself

    你自己

  • one week

    一周

  • hire people

    僱人

  • we look for three qualities

    我們找三個素質

  • we look for integrity

    我們期待誠信

  • we look for intelligence

    我們期待的智能

  • and we look for energy

    我們期待的能源

  • but they don't have the first one integrity the other two will kill you

    但他們不具備第一個誠信的其他兩個會殺了你

  • because if you're hiring somebody without integrity he really want to be

    因為如果你僱用沒有誠信的人,他真的要

  • done and lazy gotcha major

    做懶疑難雜症主要

  • blasting the world you won't want to be smart energetic self

    爆破的世界,你會不會想成為聰明的充滿活力的自我

  • smart energetic only goals

    智能活力的唯一目標

  • with integrity

    誠信

  • but i say well

    但我說好

  • you make your own decision on that you can change

    你做你自己的決定,你可以改變

  • your i_q_ or how far you control footballer how high you can jump

    您的i_q_或你控制足球運動員,你可以跳多高多遠

  • of the color of your hair very easily

    你的頭髮的顏色很容易

  • but you can

    但你可以

  • elect

    選舉

  • to have integrity that matches anybody else has and if you match that

    有完整匹配別人的,如果你匹配

  • with intelligence which you have

    你有情報

  • and energy which you have

    和能量,你有

  • uh... you'll get an extraordinary resulting you'd be very foolish to

    呃...你會得到一個非凡的結果,你會很愚蠢

  • somebody ten percent of yourself for fifty thousand on the other hand

    另一方面,自己百分之十​​的人五萬

  • if you don't match it without your potential

    如果不匹配,它沒有你的潛力

  • in a significant part going use

    在要使用的一個重要組成部分

  • and i'll give you a little

    我會給你一個小

  • simple test apply in terms of thinking about the kinda habit she wanted about

    簡單的測試,適用於她想的還挺習慣思維

  • if you don't have any haven't you want to get you can be

    如果你沒有任何沒有你想要得到你可以

  • it can be lazy who can be prompt you can be it can be

    可以偷懶,誰能夠及時,你可以它可以

  • late you can be honest you can cut corners of the uh... police forces

    晚了,你可以說實話,你可以抄近路呃...警察部隊

  • and those resources for you to make

    這些資源為你做

  • nobody else is going to make room for you

    別人要你騰出空間

  • and i would suggest that you play this little game with me too

    我建議你玩這個小遊戲我太

  • think about the person you would most like to be in life

    想想你最想生活中的人

  • submit is one of your contemporaries maybe somebody will orbit pick up the

    提交你同時代的人之一,也許有人會軌道拿起了

  • person you admire the most person the you change places with if you could

    你最佩服的人,你改變的地方的人,如果你能

  • and then write down what you martin

    然後寫下你的馬丁

  • just put it on a piece of paper

    只是把它放在一張紙

  • figure out the person that you would

    搞清楚的人,你會

  • least like change places with who really turned you off

    變化的地方,誰真的把你最不喜歡

  • when you find repulsive

    當你發現排斥力

  • and lists the reasons why

    並列出原因

  • that person turn you off so much

    那人把你這麼多

  • to put those on the other side of the paper

    把上的紙張的另一側

  • and then look at that list

    然後看該列表

  • and you'll find that everything on the left hand side with which in my and

    ,你會發現,一切都在我和左側

  • other people

    其他的人

  • the qualities they bring to life

    他們帶來的生活素質

  • truthfulness

    真實性

  • generosity all kinds of things

    慷慨各種事情

  • the finals of things you can do it yourself it's very simple

    總決賽的東西,你可以自己做,這是非常簡單的

  • got apply yourself but the habit shoe formed and doing early on a military

    申請了自己,但鞋形成的習慣和做早期軍事

  • through life

    通過生活

  • and on the other hand you'll find that

    另一方面,你會發現

  • the things that make people repulsive

    人令人厭惡的東西,使

  • selfishness ob noxious use all these things egotism

    自私OB有害使用所有這些事情的利己主義

  • are things

    事情

  • but no one has to have if you find those it yourself you can get rid of them as

    但如果你發現那些它自己,你可以擺脫他們誰也沒有

  • well you get rid of them early so

    以及你擺脫他們這麼早

  • all i suggest is that you're right

    我的建議是,你說得對

  • the right down the list of what

    在右下方的列表是什麼

  • which admire

    佩服

  • what you find uh...

    你發現了什麼呃...

  • contemptible

    可鄙

  • and decide that in other ones on the left

    並決定在其他的在左邊

  • i meant

    我的意思

  • add and admired side everyone's you're going to acquire for yourself as you do

    添加和欽佩的一面每個人的你要為自己收購為你做

  • that when you're young and contrary to the rest of your life this doesn't work

    當你還年輕,你的餘生相反,這並不工作

  • if you do it when you're fifty or sixty

    如果你這樣做,當你50或60

  • by then they have a trip to well-formed

    然後他們有一個合式之旅

  • uh... but if you do it early

    呃...但如果你這樣做早期

  • behavior becomes becomes a habit so

    行為變得成為一種習慣,所以

  • if you do that

    如果你這樣做

  • two or three years now to go to the same exercise

    現在,兩年或三年去同樣的練習

  • you'll find out the person you admire the most as yourself

    你會發現的人,你最佩服的人作為自己

  • i can be a little bags under some circumstances but it does

    在某些情況下,我可以是一個小袋子,但它確實

  • uh... but it's not it's not a bad thing and that you want to be somebody like

    呃...但它不是,它不是一個壞事要有人像

  • and you don't want to be somebody picture that you dislike and and uh...

    你不想成為別人的圖片,你不喜歡和UH ...

  • formals habits early

    形參的習慣早

  • uh... he basically can't mess i'll give you one other small piece of advice is

    呃...他基本上不能惹我給你另外一個小忠告是

  • just a corollary on this

    這只是一個推論

  • and then we'll get to your questions in

    然後我們會得到您的問題。

  • and that is

    ,這是

  • as a general matters are one piece of specific finance

    作為一般事項是一件具體的融資

  • uh... financial advice

    呃...財務諮詢

  • i would say

    我想說

  • in onboard credit cards just forget about me

    板載信用卡忘掉我

  • uh... where in various businesses issue credit card the american public loves

    呃...在各項業務已發行信用卡的美國民眾愛

  • credit cards but if you start revolving debt on credit card you're going to be

    信用卡,但如果你開始循環債務的信用卡,你要去

  • paying

    付款

  • uh... eighteen or twenty percent and

    呃... 18%或20%,

  • you can't make

    你不能讓

  • progress and your financial life

    進步和你的財務生活

  • who are on borrowing money eighteen or twenty percent

    誰是借錢18%或20%

  • you can make a lot of money by lending out earlier eighteen or twenty percent

    你可以賺很多的錢借給了早期的18或百分之二十

  • over time

    隨著時間的推移

  • you can find a way that's good that uh... will borrow from you but

    你可以找到一種方法,這是很好的,呃...會向你借貸的,但

  • you don't want to be on the side of the equation

    你不希望是上側的方程

  • that's always behind in life

    在生活中總是落後

  • uh...

    呃...

  • you know i was lucky i'd saved about ten thousand dollars by the time i got out

    你知道我很幸運,我節省約10000美元的時候,我得到了

  • of school that ten thousand dollars was

    學校10000美元

  • really worth millions i might have run later on because after you get a family

    真正價值數百萬,我可能以後運行,因為當你得到一個家庭

  • member vaguely expenses role in but

    成員隱約開支的作用,但

  • but those are my tools to work with but it was only because i was ahead of the

    但這些都是我的工具,但它只是因為我是提前

  • game

    遊戲

  • if you're behind a game by ten thousand dollars at some point in paying eighteen

    如果你在遊戲的背後,在一些點10000美元支付18

  • or twenty percent interest on it

    或20%的利息

  • you will never economically you'll never get out of it cell

    你將永遠不會在經濟上你永遠不會得到它細胞

  • their partner that says

    他們的合作夥伴,說

  • i want to know is where i'm going to die so i'll never go there

    我想知道的是我就要死了,所以我永遠不會去的地方有

  • events true international matters as well you wanna figure out where you

    事件真正的國際問題,以及你想找出你

  • don't want to be

    不想

  • uh... at a time in a void that i get about a dozen letters a day

    呃...在虛空中,我得到大約寫了十幾封信一天時間

  • from people who are having terrible problems

    人有可怕的問題

  • and there are two reasons why they have terrible problems

    有兩個原因,他們有可怕的問題

  • one is

    一個是

  • a number of them up had health problems of some sort them and they have really

    其中一些向上的健康問題,他們有某種他們真的

  • been hit by some or somebody in their family has been hit by some kind of

    被擊中的部分或有人在他們的家庭一直受到某種

  • catastrophic

    災​​難性

  • uh... illness and that is that

    呃...的疾病,這是即

  • you know it's a terrible thing to happen to any family

    你知道這是一件可怕的事情發生在任何家庭

  • and they get in

    並且他們進入

  • there are bills they can't pay and and really only society consult that one

    他們不能支付票據和真的只有社會諮詢

  • in terms of protecting people against that but that's just plain bad luck

    在保護人民反對的條款,但只是普通的壞運氣

  • the other one is from people run up credit card debt and uh...

    另一種是從人跑了信用卡債務和UH ...

  • they're facing bankruptcy evident from bankruptcy once before

    他們面對顯而易見的,從破產的破產前一次

  • and they'll of what your money and they can they can pay the interest on loan

    ,他們會是什麼你的錢,他們可以,他們可以支付貸款利息

  • pani principled

    聚苯胺的原則

  • and a half of my letters come from people like that and that that

    和我的信的一半來自這樣的人,那

  • that problem is avoidable

    這個問題是可以避免的

  • catastrophic illnesses not but

    重病但

  • credit card debt has something to bring on yourself and

    信用卡債務有自己帶來的東西,

  • it's way better

    這是更好的方式

  • it's way easier

    它的方式更容易

  • to stay out of trouble

    留出麻煩

  • than to get out of trouble financially and and uh...

    比財政擺脫困境和UH ...

  • i will guarantee if you're in a big record that you will be in trouble

    我會保證,如果你是在一個大的記錄,你將有麻煩

  • probably the rest of your life in terms of

    大概而言,你的餘生

  • uh... your financial situation on the other hand if you get ahead of the game

    呃...另一方面,如果你的財務狀況,你獲得成功的遊戲

  • uh...

    呃...

  • even as on a very modest scale

    即使作為一個非常溫和的尺度

  • money is coming in from investing

    錢進來投資

  • mandira that you're a

    你是一個廟宇

  • you b

    您時

  • people owe you money or equities oyu ownership

    別人欠你的錢或股票奧尤所有權

  • and you'll be way ahead of the game compared to paying it uh...

    ,你就可以一路領先的遊戲相比支付呃...

  • it's always been paying them

    它總是支付

  • your creditors every month

    您的債權人每月

  • my advice to you this sir

    我建議你這先生

  • if you can't pay for don't buy it

    如果你不能支付不買賬

  • it yourself in a position where you can pay for anything and uh...

    它自己的位置,在那裡你可以付出任何東西,呃......

  • then we'll be glad to see abortion into the rest of furniture market

    然後,我們將高興地看到墮胎成為家具市場的其餘部分

  • now let's uh...

    現在,讓我們的呃...

  • let's have some questions

    讓我們有一些問題

  • we have a mic out there that

    我們有一個麥克風在那裡,

  • people can either go toward the travels around her

    人們可以往她身邊的旅行

  • and i can't necessarily situ well-fed

    我可以不一定原位精心餵養