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金錢沒有固定的主人。十年、二十年前的我們很難想象到今天擁有的一切，現(xiàn)在的我們也很難想象到十年、二十年后自己的境況，那時候我們的財富可能更多，也有可能更少，甚至是一無所有。如果你在金錢管理上一地雞毛，賺多少花多少，日子過得緊巴巴，怎樣才能留住自己的金錢，并逐漸積累更多財富呢？- There's a very good chance that if you're watching this video and you are a person who lives in the year 2023, you don't have as much money as you probably want to have. It's difficult times right now. I've always been pretty good at making money. I've always found a way to somehow acquire money, but I've always been horrible at keeping it. No matter how much money I made I always found a way to live paycheck to paycheck somehow, like I just couldn't figure out how people accumulate wealth. And that is until first year of university when I read this book called 'The Richest Man in Babylon.' I'd have one earbud in my downtime at work listening to 'The Richest Man in Babylon.'如果你正在觀看這個視頻，并且生活在2023年，那么很可能你沒有你渴望的那么多錢。當下是困難的時期。我一直非常擅長賺錢。我總是找到一種方法來賺到一些錢，但是我一直守不住錢，簡直一地雞毛。無論我賺了多少錢，我總是賺多少花多少，日子過得緊巴巴，好像我就是想不明白別人如何積累財富。直到我大學一年級的時候，我讀了一本叫做《巴比倫最富有的人》的書。在休息時間，我總是戴著耳機聽《巴比倫最富有的人》。And I remember my mind slowly being blown and it completely shifted my mindset towards how money even works. And it really acted as the catalyst, the game changer that shifted the trajectory of my financial reality, and helped me end up where I am today. So I wanna share with you guys some of the key takeaways that I learned from 'The Richest Man in Babylon,' so that hopefully by the end of this year you will have more money in your bank account and your financial future will end up looking a lot more optimistic.我記得這本書慢慢地顛覆了我的思維，完全改變了我對金錢運作原理的看法。這本書就像催化劑，改善了我的糟糕財務現(xiàn)狀，并幫助我走到了今天的位置。所以我想和你們分享一些我從《巴比倫最富有的人》中學到的關鍵要點，希望到今年年底，你的銀行賬戶里會有更多的錢，你未來的財務狀況看起來會更加樂觀。So the only way that you are going to work your way out of financial misery is if you stop falling for the biggest money mistake. What is the biggest money mistake? Well, it's not this cute little thing, it's not this little mistake that you know, haha, silly me, it's so much bigger than you think. So let me paint a picture, it's kind of the only way of understanding it. 擺脫財務困境的唯一方法是不要犯最大的金錢錯誤。什么是最大的金錢錯誤呢？嗯，不是什么不要緊的小錯誤，不是你以為不要緊的小錯誤，是比你想象的要嚴重的錯誤。那么讓我給你做個假設，這可能是唯一的理解方式。Let's pretend that you are a little kid again, you're nine years old and you really lucked out because it's your full-time job to play Chuck E Cheese games. You go to Chuck E Cheese, you play Whack-a-Mole, you drain the hoops, shoot the guys, I don't know what you do at Chuck E Cheese. I haven't been there since I was nine years old, but that is now your full-time job as a nine year old. You work there all day nine to five, Monday through Friday and at the end of each day you're given the Chuck E Cheese tickets. 假設你再次成為一個小孩子，你九歲了，你真的很幸運，因為你的全職工作是玩Chuck E Cheese的游戲。你去Chuck E Cheese，打Whack-a-Mole，投籃，射擊，我不知道你在Chuck E Cheese上做什么。自從我九歲以后我就沒去過那里了，但是現(xiàn)在作為一個九歲的孩子，那是你的全職工作。你從周一到周五，每天都在那里工作，早九點到下午五點，每天結束時你會得到Chuck E Cheese的獎券。And as a nine year old, you're probably very excited. You're thinking, man, I'm making so much damn ticket money, I can afford all of these cool prizes at the Chuck E Cheese Prize counter. Your entire mind is occupied by this. It's occupied by the amount of tickets that you have and what you can purchase at the prize counter with the tickets that you have. Everybody in the world is playing this game with money. We are all in Chuck E. Cheese. We are under the illusion that we are getting paid with Chuck E Cheese tickets, and the only thing to do with the Chuck E Cheese tickets is to buy Chuck E Cheese prizes.作為一個九歲的小孩子，你可能非常興奮。你會想：“天哪，我賺了這么多獎券，我能買到Chuck E Cheese獎品柜上所有酷炫的獎品?！蹦阏麄€大腦都被這件事占據(jù)著，你關注的是你擁有的獎券數(shù)量，以及你可以用這些獎券在獎品柜臺上購買什么。世界上的每個人都在用金錢玩這種游戲。我們都生活在Chuck E Cheese，我們被錯覺所迷惑，以為我們得到的Chuck E Cheese的獎券是報酬，而唯一能用Chuck E Cheese獎券做的就是買Chuck E Cheese的獎品。But when you think this way, you are living in the Matrix, you are not aware of the fact that you're actually getting paid in cash and you can step outside of Chuck E Cheese and spend money on whatever you want. You know, it sounds overly simple and kind of ridiculous when I put it this way, but this is exactly what keeps people financially stuck. It's because they slave away for $10 an hour, eight hours a day, 40 hours a week at the trinket shop and then they come home we start thinking about all these cool trinkets that we can buy with our money that we earned from working at the Trinket shop.但是當你這樣想時，你就像生活在擬真劇場中，你沒有意識到你實際上是以現(xiàn)金支付的，你可以走出Chuck E Cheese，在任何你想買的東西上花錢。我這么說聽起來過于簡單，有點荒謬，但這正是讓人們財務上陷入困境的原因。因為他們每小時為10美元辛苦工作，每天工作8小時，每周40小時在飾品店工作，然后回家后我們開始考慮用我們從飾品店工作賺到的錢去買所有這些酷炫的飾品。And this is extra sinister because the Trinket shop actually makes more money off of you than you make off of them because when you work at the Trinket shop you are worth more than $10 an hour to them. Otherwise they wouldn't pay you, you would be a net loss to them. So for all of the time and effort and sweat you invest into the Trinket shop, they give you a little bit in return and then you somehow fall for the ruse, and convince yourself to give the money right back to the Trinket shop by buying trinkets. Everything that you watch on the TV when you get home, every billboard that you see on your drive home from work is just talking about Trinkets again.而更加陰險的是，飾品店實際上從你身上賺的錢比你從他們身上賺的錢還要多，因為當你在飾品店工作時，你對他們來說價值超過每小時10美元。否則他們就不會付錢給你，你對他們來說是一個凈虧損。所以，對于你在飾品店投入的所有時間、努力和汗水，他們只給你一點回報，然后你不知怎么就上當了，讓自己把錢又回饋給飾品店去買飾品。當你回家后看電視時，你看到的一切，每一塊路上的廣告牌，都在談論飾品。Ooh, look at this little Trinket you can buy. Even though you just spent all day serving the Trinket shop and the Trinket owners here give your money back to the Trinket shop. That's how you get the (beep). The question is how do we break free of this cycle? There's only one way really and that is to pay yourself first. This is one of the biggest takeaways from 'The Richest Man in Babylon.' If you pay yourself first, you make $10 from working at the Trinket shop every day, just take one. This one is for you and for you alone, okay. You take this, you put it in a different account first and then you use this to buy trinkets. Do whatever the hell you want with this. You gotta pay rent, right. You know, rent's like all of it. There's like internet and phone bill and you're out again, but at least you paid yourself first.噢，看這個你買的小飾品。盡管你整天都在為飾品店工作，而你還把你的錢還給飾品店。這就是你得到（嘟嘟聲）的方式。問題是我們如何打破這個循環(huán)呢？實際上只有一種方法，那就是先把錢支付給自己。這是《巴比倫最富有的人》中最重要的經驗之一。如果你先把錢支付給自己，你每天從飾品店工作賺了10美元，就拿出一部分給自己。這一部分是給你自己的，只給你自己，好嗎？你拿著筆錢，先放到一個不同的賬戶里，然后用另一部分錢來買飾品。對于這部分錢，你可以隨便用，想怎么用就怎么用。你還得付房租，對吧。房租占了大頭。還有網費、話費，你又花光了，但至少你先給自己支付了一筆錢。10% may sound like such a small amount, but if you save 10% you'll be doing more than most people do. Most people don't save anything because they feel like they can't. But in reality most people have a Netflix subscription, a Disney Plus subscription, blabbity, blabbity, blah, right. And they go to Starbucks or they go to Tim Horton's here in Canada, McDonald's. Everybody manages to hemorrhage money. It's because if you are an average person then you follow right into the demographic of buying things that you don't need. Your money is going to go to the emperors of the world no matter what. It's just gonna happen, it's the way the world is structured. 10%聽起來是一筆很小的錢，但如果你存下10%，你就比大多數(shù)人做得更多了。大多數(shù)人不存錢，因為他們覺得自己存不了。但實際上，大多數(shù)人訂閱了Netflix，訂閱了Disney Plus，各種買買買，諸如此類的東西。他們去星巴克，或者在加拿大去Tim Horton's，或者去麥當勞。每個人都會管不住手大筆花錢。因為如果你是一個普通人，那你就是購買不需要的東西的目標群體。無論如何，你的錢都會流向世界的統(tǒng)治者。只會這樣，這就是這個世界的運行原理。But if you pay yourself first you will find a way to save a little bit on groceries, a little bit on coffee. Human beings are super adaptable. If you learned that, okay next month you're gonna make 90% of what you normally make you would find a way to make it work, you always do. You're still here. We are survivors, and we're in a situation economically where you really have to bet on yourself because nobody's gonna do it for you. It's crucial that you pay yourself $1 for every $10 that you make. You put it into an account that you cannot, and will not spend on anything other than things that can potentially yield a return, we'll get into that later. But at the very least it sits in an account that you don't touch. You don't waste it away on everything else, that money is for you, it's yours and yours to keep.但是如果你先把錢支付給自己，你會找到方法在生活用品上省一點，咖啡上省一點。人類的適應能力非常強。如果你學到了，下個月你只能拿到你平常收入的90%，你會找到辦法讓習慣能夠維持下去，你一直都這樣做。你還在這里。我們是幸存者，在經濟上我們真的必須押注在自己身上，因為沒有人會替你做這件事。關鍵是你每賺10美元，要給自己支付1美元。把1美元存到一個你無法、也不會用于其他任何可能帶來回報的事物的賬戶中，關于這一點我們以后再談。但至少這筆錢存在一個你不碰的賬戶中。你不會揮霍掉，不會用來買任何東西，錢是留給你自己的，是你的，一直都是你的。Okay, so let's summarize what we've learned so far and then let's move on to the next most important thing. Number one is we're not at Chuck E. Cheese. Number two is that the only way to escape the nightmare of the Trinket shop tyranny is to pay yourself first. Then the next most important thing is to increase your ability to earn.讓我們總結一下目前為止我們學到的東西，然后再繼續(xù)下一個最重要的事情。第一，我們不是在飾品店。第二，擺脫飾品店的噩夢統(tǒng)治的唯一方法就是先把錢支付給自己。然后下一個最重要的事情是提高你的賺錢能力。Once you've gotten into a habit of continually saving as much as you can, paying yourself first before you pay anyone else then the only way to increase your wealth or increase the rate in which you accumulate this stack of cash that you have and you don't touch is to increase the income coming in. So how do you do that? The easiest way is through education. Now, I don't mean you have to spend four years and tens of thousands of dollars getting a college degree because we live in the information age. There are so many marketable skills that you can learn online for free without the need to pay a cent, like a perfect example of this is video editing.一旦你養(yǎng)成了不斷存錢的習慣，先給自己支付金錢，然后再給別人支付，那么增加財富，或者增加你積累的那堆現(xiàn)金的速度的唯一方法就是增加收入。那么你該如何做呢？最簡單的方法是通過學習。現(xiàn)在，我不是說你必須花四年時間和數(shù)萬美元去獲得學位，因為我們生活在信息時代。你可以免費在線學到很多有市場價值的技能，不需要花一分錢，比如一個完美的例子就是視頻剪輯。So I know a guy who I know quite well, he might even be watching this video and be like, hey, that's me. He just learned video editing basically this year, you know, dabbled a little bit in the past and it led to a four to six month stint working as a video editor for some company and now he has that on his resume and now he can go get another video editing job. People want things that are popular. Video content is extremely popular. You learn how to do Photoshop, you can pose as a thumbnail expert. People are hitting up my DMs all the time saying, hey, do you want YouTube Shorts? People pay money for that kind of thing.我認識一個人，我對他非常了解，他甚至可能在看這個視頻，會說：“嘿，那是我?！彼旧鲜窃诮衲瓴艑W會視頻剪輯的，以前只是稍微嘗試了一下，然后他在一家公司做了四到六個月的視頻剪輯工作，現(xiàn)在他的簡歷上有這個經歷，現(xiàn)在他可以去找另一份視頻編輯的工作了。人們喜歡受歡迎的東西。視頻內容非常受歡迎。你學會了如何使用Photoshop，你可以自稱是一個圖像處理專家。有人一直在我的私信中問：“嘿，你想做YouTube Shorts嗎？”有人會為這類東西付錢。You know, you look around you, you're here on YouTube, you're watching a video, someone edits videos, someone makes videos, be the guy who knows a little bit more than your average person on how to produce video content and boom, you have a job that's in demand. Learn how to do things, okay. Learn how to make things, how to build things and monitor what you're consuming. With whatever you input into your brain on a daily basis, you have to ask yourself is this helping me grow? Is this helping me expand my expertise and my usefulness to the world and the value that I can add to people? Or is it just keeping me distracted and entertained? Because the bar is so low, like if you don't fill your time constantly with TikTok and YouTube, you are so far ahead of the pack in 2023. Just find ways to just not be on these platforms all the time and you are well ahead of everybody else.你看看周圍，你在YouTube上，你在看視頻，有人在剪輯視頻，有人在制作視頻，成為一個比普通人更懂得如何制作視頻內容的人，哇，你就有一個有需求的工作了。學會做事情，好嗎。學會制作東西，學會培養(yǎng)能力，并監(jiān)控你所消耗的內容。對于你每天輸入到大腦中的一切，你必須問自己這是否有助于我的成長？這是否有助于我擴展我的專業(yè)知識和對世界的貢獻價值？還是只是讓我分心和娛樂？因為標準很低，如果你不把時間都花在斗音和YouTube上，你在2023年已經領先其他人很多了。只要找到不總是沉迷于這些平臺的方法，你就能遠遠領先于其他人。And then have the added upgrade of educating yourself on how certain creative things work, how to start copywriting, maybe how to leverage AI to make creative content. Stick your finger into the air, analyze where the wind is blowing, start working on what's popular and figure out more about it and you'll be surprised as to how many people want to pay money for people like you who know what to do. And also ask yourself and reflect on what is occupying your mind. Like what are you excited by, motivated by? And that might sound like meaningless mindset, gobbly gook, but it really is everything. What you are preoccupied with and excited by reveals what your incentive structure is. 然后你可以繼續(xù)自學一些創(chuàng)造性的事情，如何開始寫文案，如何利用人工智能創(chuàng)作內容。在風口上，豬都會飛，嘗試伸出手感知風向，分析風往哪里吹，開始研究流行什么，挖掘更多的信息，你會驚訝于怎么那么多人像你那樣愿意為知道做什么怎么做而付錢。也問問自己，反思一下，是什么占據(jù)了你的大腦，是什么讓你興奮，是什么讓你有動力？這種思維模式聽起來好像沒什么意義，但這就是一切。你所關注的以及興奮的東西，揭示了你的激勵機制。You know, are you excited about the new Bethesda game that's never gonna come out? Or are you excited about financial freedom? Spending time with people you care about, your spiritual wellbeing, your social wellbeing? Like where is your mind at? Because the answers to these questions often reveal where you're gonna end up months and years down the line. 你是對那款永遠不會發(fā)布的貝塞斯達游戲感到興奮嗎？還是對財務自由感到興奮？對與你在乎的人共度時光、你的精神幸福、你的社交幸福感到興奮嗎？你的心思在哪里？因為對這些問題的回答通常會揭示出你未來幾個月甚至幾年會走向何方。Oh, hey Joey, from the future here I totally forgot to film this part, so here we go. As we talked about earlier, you save your money, right? So as you're escaping the Matrix you're starting to develop this pocket of wealth for yourself. You're saving $1 for every $10 that you make so that you're slowly making your gold pouch fatter. What do you do with it? Do you just let it sit there? Well, you know what's funny is if you did nothing else and you just let the money sit there, and you didn't invest it, you didn't let the money work for you, you would still be doing so much more than most people. Most people don't save anything. But I do want to say that saving while it is so much better than not saving it's also the second worst thing you can do with your money.嘿喬伊，我來自未來，我完全忘記錄制這一部分，所以我們開始吧。就像我們之前討論的那樣，你存錢，對吧？所以當你逃離'擬真劇場'時，你開始為自己積累財富。你每掙10美元就存1美元，這樣你的金袋子就會慢慢變鼓。那你拿這些錢做什么呢？你只是讓這筆錢靜置嗎？有趣的是，如果你什么也不做，只是讓錢靜置，不進行投資，不讓錢為你工作，你仍然比大多數(shù)人做得更多。大多數(shù)人都不存錢。但我想說的是，儲蓄雖然比不儲蓄要好得多，但只儲蓄也是你對錢做的第二糟糕的事情。The worst thing is to not save at all. The second worst thing you can do is to just save it and do nothing with it. And the reason why that's bad, well, I mean it's good, but the reason why it's not optimal is because when your money sits in the bank you actually lose money over time. I mean, you gain money over time assuming that you are saving it, but you actually lose a lot of money due to inflation. Year after year because of inflation your dollar, even though the dollar amount is constant, the dollar value, the weight of the dollar is going down over time. It's inevitable. So you're actually losing money, you're slowly leaking it when it sits in the bank. Another important point to make is that when your money just sits in a savings account in the bank, it's not actually sitting in a savings account in the bank, right?最糟糕的事情是根本不儲蓄。你能做的第二糟糕的事情就是只是存錢，什么都不做。為什么只存錢不好呢，嗯，我是說存錢是好的，但只存錢不是最佳選擇，因為當你的錢留在銀行里時，隨著時間的推移，你實際上會損失錢。我的意思是，假設你儲蓄了錢，隨著時間的推移，你會獲得更多的錢，但由于通貨膨脹，你實際上會損失很多錢。年復一年，由于通貨膨脹，盡管金額不變，美元的價值隨著時間的推移而下降。這是不可避免的。所以你實際上在損失錢，在銀行里的錢慢慢地流失。另一個重要的觀點是，當你的錢只是放在銀行的儲蓄賬戶里時，錢實際上并沒有真的留在銀行的儲蓄賬戶里，對嗎？This isn't the olden days where you had sacks of gold and you gave it to a bank and it's just sitting there. You know, you can open up the vault again and take your money out whenever you want it. What's actually happening is you're loaning your money to the bank and the bank is doing what you should be doing with your money, but they're doing it instead. And that's how they make a profit. That's how the banks make money, is they borrow your money and they invest it and grow the money. And they say, oh yeah, you know what? We're just paying for security, so when you want your money again you can take it out, but that's not always the case. You know, the Great Depression proved that. If you've ever seen the movie, 'It's A Wonderful Life' you know there could be a bank run and you can't take your money out.這不是舊時代，你把金袋交給銀行，然后它就在那里靜置。你可以重新打開金庫，隨時取出你的錢。實際上正在發(fā)生的是你把錢借給了銀行，而銀行正在做你應該做的事情，但他們代替你去做。這就是銀行賺錢的方式，他們借用你的錢進行投資并增加資金。他們說，噢，是的，我們只是為了安全性支付費用，所以當你想要你的錢時，你可以取出來，但真相并不總是如此。你知道，'大蕭條'證明了這一點。如果你看過電影《生活多美好》，你就知道可能會發(fā)生銀行擠兌，你無法取出你的錢。The bank goes sorry, we lost all of your money because the economy crashed. You can't do anything about it. So I think that's why it's crucial that while it is better than nothing to have your money sitting in the bank you should start learning how to invest. And I will never give you investment advice because I'm not an expert, but I will give you just a vague idea of what I'm doing. Essentially what I do is I diversify, right. So instead of having 100% of my money in the bank, I'm currently building a property where property value is high. I understand not everyone has the luxury to do that, but you know I'll at least have some land that I can call my own that has no mortgage on it.銀行說，抱歉，我們把你的錢都丟了，因為經濟崩潰了。你對此無能為力。所以我認為很關鍵的是，雖然把錢存入銀行比什么都不做要好，但你應該開始學習如何進行投資。我永遠不會給你投資建議，因為我不是專家，但我會給你一個大致的想法，就是我在做什么。基本上，我進行分散投資。所以我不會把我的所有錢都放在銀行里，我目前正在購買房產，房產價值很高。我知道不是每個人都有這個條件，但至少我將擁有一些我自己的土地，沒有抵押貸款。I really want to get into buying some gold, you know some actual tangible things that are out there as well as put money in index funds and whatever, in the states you have 401ks or whatever. But the the point being is that the only way that you're going to learn how to invest is by investing. You're going to lose your money because you're not a pro at it. But 'The Richest Man In Babylon' has a lot of great advice about seeking advice. You'll start to gain a lot of wisdom about evaluating the types of people that have the highest probability of helping you out and giving you sound investment advice and sort of making yourself immune to its too good to be true type situations.我真的想開始購買一些黃金，一些實實在在的有形資產，還有把錢投資到指數(shù)基金或者其他方式，在美國有401k計劃之類的。但關鍵是你學會如何投資的唯一途徑就是通過實際投資。你會因為不是專業(yè)人士而虧錢。但《巴比倫最富有的人》給出了很多關于尋求建議的好建議。你會開始獲得很多關于評估哪些人最有可能幫助你并給出可靠投資建議的智慧，以及使自己對那些聽起來太好以至于難以置信的情況免疫。Get rich quick schemes are schemes. The only way to get rich quick is to offer genuine value to people. To help people out you either have to help a lot of people solve a small problem, or help a few people solve a big problem. And if you really luck out, you help a lot of people solve a big problem, but it's not as easy as it sounds. So if you wanna get rich, maybe you help a few people solve a big problem or a medium-sized problem. Maybe you invest in a pressure washer for $500. Maybe you knock door to door on people's doors because you knock on doors when you go door to door and you say, hey I noticed your driveway is really dirty, I'll pressure wash it for a hundred bucks. And they'll say, oh, a hundred bucks, that's super cheap. Or they'll say, a hundred bucks, that's a ripoff, my driveway is super small.快速致富的計劃都是騙局。快速致富的唯一途徑就是為人們提供真正的價值。要幫助別人，你要么幫助很多人解決一個小問題，要么幫助幾個人解決一個大問題。如果你真的運氣好，你幫助很多人解決一個大問題，但這并不像聽起來那么容易。所以，如果你想致富，也許你可以幫助幾個人解決一個大問題或者一個中等規(guī)模的問題。也許你投資500美元買一個高壓清洗機。也許你挨家挨戶去敲門，因為當你挨家挨戶敲門時，你會說：“嘿，我注意到你的車道很臟，我可以收100美元給你清洗一下?！彼麄儠f：“哦，100美元，太便宜了?！被蛘咚麄儠f：“100美元，那也太貴了，我的車道很小?！?/span>You never know until you try. If you pressure wash four driveways during the Summer then you pay for your pressure washer back. See, investing doesn't always have to be into the stock market. There are ways where you can invest in yourself. You know, maybe you buy two pressure washers, three pressure washers, maybe you start charging $200, you start paying a friend to help you with the pressure washing company. You take a little bit of the cut because you invented the company and you scale. You know, there's so many ways to invest in assets that will make you money. You just have to be creative and you have to be engaged, and you have to fill your mind with good ideas from audio books, YouTube videos, online courses, talking with people who are knowledgeable, you know start occupying your mind with inventive ideas and then go and take action on them.你不試試就永遠不知道。如果你在夏天清洗了四條車道，那你就能賺回你購買高壓清洗機的錢。你看，投資并不總是指投資股市。有很多方式可以投資自己。也許你買兩臺高壓清洗機，三臺高壓清洗機，也許你開始收費200美元，并雇一個朋友幫助你經營高壓清洗公司。你從中分一點利潤，因為你創(chuàng)辦了這家公司，然后擴大規(guī)模。你知道，有很多資產投資方式會給你帶來收益。你只需有創(chuàng)意，保持參與，并從有聲讀物、YouTube視頻、在線課程、與有知識的人交談中獲取良好的思路，讓自己充滿創(chuàng)造性的想法，然后采取行動。That's the most important thing. So step one, like I said be aware that you're in the matrix. Step two or Chuck E Cheese or whatever. Step two is to escape Chuck E Cheese. Start paying yourself first, developing a little money patch on the side that's growing and growing and growing, and adding and adding and adding. And all of a sudden while you're living a very similar lifestyle, it's a lifestyle 90% similar to how you were living, except the only difference is that you have an accumulation of wealth growing. And then with that wealth, start educating yourself on how to make the money work for you. Diversify so you're not just keeping everything in the bank. Maybe this is stuff you've heard a million times before, but if you are an average person, you're not doing it. Statistically, you're not doing these things. 這是最重要的事情。所以第一步，就像我說的，意識到你在擬真劇場中。第二步是逃離“查克·奇齊”（Chuck E Cheese）或其他類似的劇場。開始先為自己存錢，開辟一個小小的儲蓄之地，它不斷地增長、增加。突然間，你的生活方式與過去90%相似，只有一個區(qū)別，你積累了財富。然后利用這些財富，開始學習如何讓錢為你工作。分散投資，不要把所有東西都放在銀行里。也許你之前聽過這些東西無數(shù)次，但如果你是普通人，你可能沒有去做。統(tǒng)計數(shù)據(jù)顯示，大多數(shù)人并沒有采取這些措施。So really start with step one and step two and step three. It doesn't have to be perfect, but the enemy of good is perfect. Perfect is the enemy of good, something like that. Take care guys. If you're investing, let me know in the comment section below what you're investing in. Are you banking everything on crypto, on a niche coin that you're hoping blows up? Why is that not a get rich scheme? I wanna know these things, I wanna learn from you guys. Hopefully this video gives you some ideas that... 所以真正從第一步、第二步和第三步開始，步驟不必完美，但是完美是良好的敵人，就是這樣，各位保重。如果你正在投資，請在下方評論區(qū)告訴我你投資了什么。你是否把一切都押在加密貨幣上，押注在你希望暴漲的某種小眾幣上？為什么這不是快速致富的計劃？我想了解這些事情，我想向大家學習。希望這個視頻能給你一些思路...Hopefully it just simplifies things for you. Personal finance does not need to be super complicated. If you do the basics and you nail the basics, you're doing so much better than most people. But most people fail at the basics and then they look for the super complicated get rich schemes while they're simultaneously hemorrhaging money due to lifestyle inflation and they're never saving anything or paying themselves first, or developing any kind of wealth in the background. 希望能為你簡化事情。個人理財并不需要非常復雜。如果你掌握了基本原則并做好了基本功，你就比大多數(shù)人好很多。但是大多數(shù)人在基礎方面失敗，然后尋找超級復雜的快速致富計劃，同時由于生活水平提高而不斷地浪費金錢，從未存錢或為自己創(chuàng)造任何財富。So nail the fundamentals and then go to the financial experts of YouTube and try to find the best way to help your money make you money. Other than that though, guys thank you so much for watching this video as per usual.所以抓住基本要素，然后去看看YouTube上的金融專家，試圖找到幫助你的錢為你賺錢的最佳方法。除此之外，感謝大家一如既往地觀看這個視頻。Other than that, guys, good luck. If you're in a bad financial place, it can get better. No matter how bad the economy is around you, there are always outliers, people who can change their situation through hard work and determination and just the right information. You know, maybe you've been given bad information, and hopefully this is kind of simplifying things for you and gives you encouragement to help you develop wealth slowly but surely, so that you can escape whatever situation that you're in.此外，朋友們，祝你好運。如果你的財務狀況不好，它可以變得更好。無論你周圍的經濟環(huán)境有多糟糕，總會有一些例外，有些人可以通過努力工作、決心和正確的信息改變自己的狀況。也許你曾經得到了錯誤的信息，希望這個視頻能夠為你簡化事情，并鼓勵你慢慢但確定地積累財富，這樣你就可以擺脫你所處的任何困境。 譯制：良哥 source: Better Ideas 微信的規(guī)則進行了調整 學完請多點“在看”，喜歡請點分享和贊 這樣小one的推送才能繼續(xù)出現(xiàn)在你的訂閱列表里 才能持續(xù)給大家分享實用有趣的學習干貨~
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