【财富思维】为什么看起来穷很重要 · 低调财富观
共 3 集
剧集目录
| 集 | 标题 | 时长 |
|---|---|---|
| P1 | 【财富思维】为什么看起来穷很重要 · 低调财富观 中英字幕 | 16:56 |
| P2 | 【财富思维】为什么看起来穷很重要 · 低调财富观 英文字幕 | 16:56 |
| P3 | 【财富思维】为什么看起来穷很重要 · 低调财富观 无字幕 | 16:56 |
P1 · 【财富思维】为什么看起来穷很重要 · 低调财富观 p01 中英字幕 (P1)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | For over a decade of my life, | 在我生命的十多年里, |
| 0:01 | I spent almost all of my money trying to keep up. | 我花了我几乎所有的钱 试图跟上。 |
| 0:04 | I was buying haul after haul of trendy clothes, | 我买了很多时髦的衣服 |
| 0:07 | posting flat lays on Instagram of my $14 avocado toast, | 在Instagram上贴上我的14美元鳄梨面包 |
| 0:11 | just for my mom to like it. | 只是让我妈妈喜欢它。 |
| 0:12 | And I would easily drop $600 on a pair of shoes | 我一双鞋就掉六百块 |
| 0:15 | that hurt my feet just so I could have the label. | 那伤了我的脚 让我可以有标签。 |
| 0:19 | And I was doing all of this | 我做了这一切 |
| 0:20 | just so I could feel like I had made it, | 让我觉得自己做到了 |
| 0:22 | and more importantly, to signal to others that I had. | 更重要的是, 向别人表示我有。 |
展开字幕全文（435 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | For over a decade of my life, | 在我生命的十多年里, |
| 2 | I spent almost all of my money trying to keep up. | 我花了我几乎所有的钱 试图跟上。 |
| 3 | I was buying haul after haul of trendy clothes, | 我买了很多时髦的衣服 |
| 4 | posting flat lays on Instagram of my $14 avocado toast, | 在Instagram上贴上我的14美元鳄梨面包 |
| 5 | just for my mom to like it. | 只是让我妈妈喜欢它。 |
| 6 | And I would easily drop $600 on a pair of shoes | 我一双鞋就掉六百块 |
| 7 | that hurt my feet just so I could have the label. | 那伤了我的脚 让我可以有标签。 |
| 8 | And I was doing all of this | 我做了这一切 |
| 9 | just so I could feel like I had made it, | 让我觉得自己做到了 |
| 10 | and more importantly, to signal to others that I had. | 更重要的是, 向别人表示我有。 |
| 11 | But in the background, I was completely broke | 但从背景来看 我完全破产了 |
| 12 | and in six figures of debt. | 和6个债务数字。 |
| 13 | But as soon as I stopped all the BS | 但只要我停止所有的BS |
| 14 | was when I started to save serious money | 那时我开始存大钱 |
| 15 | and build the rich girl life I had always dreamed of living. | 和建立富家女的生活 我一直梦想生活。 |
| 16 | So in this video, I'm gonna break down all the reasons why | 因此,在这个视频中,我将解析所有原因 |
| 17 | when you start making and saving serious money, | 当你开始赚钱和储蓄, |
| 18 | the best possible thing you can do | 最好的办法 |
| 19 | is to stay quiet about it and to avoid looking the part. | 保持安静 避免寻找角色 |
| 20 | Starting with reason number one, | 从第一原因开始 |
| 21 | life won't creep up on you. | 生命不会爬到你身上 |
| 22 | There's a term in personal finance that I fell victim to | 个人财务有个术语 我成了受害者 |
| 23 | as I was spending all of my disposable income | 因为我花光了所有可支配收入 |
| 24 | cost-playing rich, and that is lifestyle creep. | 成本游戏富有, 这就是生活方式的变态。 |
| 25 | Lifestyle creep essentially happens | 生活方式的变态 基本上发生 |
| 26 | when you increase your lifestyle alongside your income. | 当你增加你的生活方式 与你的收入。 |
| 27 | So as you make more money, | 所以,当你赚更多的钱, |
| 28 | that's when you start feeling like you need to | 当你开始感觉你需要 |
| 29 | upgrade your apartment or your car or buy better clothes. | 或购买更好的衣服。 |
| 30 | But I can tell you from firsthand experience | 但我能从第一手经验中告诉你 |
| 31 | that it is the fastest way of staying stuck with your money. | 这是用你的钱保持最快的方式 |
| 32 | And more people fall victim to this than you might think. | 而更多的人成为这个的受害者 比你想的。 |
| 33 | It's actually how a lot of people who make decent money | 其实是很多赚钱的人 |
| 34 | end up living paycheck to paycheck | 最终靠活工资维持生计 |
| 35 | because they're spending all of their money | 因为他们把钱都花光了 |
| 36 | maintaining their lifestyle | 维持他们的生活方式 |
| 37 | rather than being able to save and invest. | 而不是能够节省和投资。 |
| 38 | And the sort of insidious and hard part about it too | 和那种阴险和难的部分 |
| 39 | is that it's really hard to tell | 很难说 |
| 40 | when people are living this way | 当人们这样生活的时候 |
| 41 | because a lot of people subsidize their lifestyles | 因为很多人补贴他们的生活方式 |
| 42 | using things like credit cards and debt. | 使用诸如信用卡和债务之类的东西。 |
| 43 | So you may look like you're doing really well | 所以,你可能看起来像 你做得很好 |
| 44 | from the outside, but behind the scenes, | 从外面,但幕后, |
| 45 | you could be struggling and living paycheck to paycheck. | 你可能为了薪水而苦苦挣扎和活活 |
| 46 | This definitely happened to me | 这绝对发生在我身上 |
| 47 | when I first graduated university | 当我刚从大学毕业的时候 |
| 48 | and started working in my career. | 并开始在我的职业生涯中工作。 |
| 49 | Even though I graduated school | 虽然我毕业了 |
| 50 | with over $120,000 in student loans, | 有超过120 000美元的学生贷款, |
| 51 | I immediately moved to a big city out on my own | 我马上独自搬到一个大城市 |
| 52 | because I was sick of living with roommates | 因为我厌倦了和室友住在一起 |
| 53 | and I was spending all of my big girl money buying clothes | 我花了我所有大姑娘的钱买衣服 |
| 54 | so that I could look like I matched my income. | 那样我就可以看起来像我的收入。 |
| 55 | If I could do it all over again, | 如果我能再来一次 |
| 56 | at least for a little while, | 至少有一阵子 |
| 57 | I would try to live as cheaply as I could | 我会尽量低廉地生活 |
| 58 | so that I could put a lot of my money | 这样我就可以把很多钱 |
| 59 | to aggressively pay off my debt. | 来偿还我的债务 |
| 60 | Because at the end of the day, | 因为最后 |
| 61 | even though I was making good money, | 虽然我赚了很多钱 |
| 62 | it ended up being my debt and my lifestyle spending habits | 结果是我的债务和生活方式 消费习惯 |
| 63 | that was keeping me stuck. | 那让我困住了。 |
| 64 | But from the outside looking in, | 但从外面看, |
| 65 | you'd think I'd have my shit together. | 你以为我会得到我的狗屎在一起。 |
| 66 | So if you're watching this | 如果你在看这个 |
| 67 | and you're just starting your career | 你刚刚开始你的事业 |
| 68 | or you're expecting a bonus or a raise, | 或期待奖金或加薪, |
| 69 | it's going to feel very tempting to spend that money | 花那些钱会很诱人 |
| 70 | on things like lifestyle or buying a new car | 在生活方式或买新车上 |
| 71 | or making some kind of upgrade to your life. | 或者让你的生活得到提升 |
| 72 | And you know what, honestly, | 你知道,说实话, |
| 73 | I don't think that's fully a bad thing. | 我不认为这完全是件坏事。 |
| 74 | I think you should upgrade your lifestyle | 我想你应该提高你的生活方式 |
| 75 | as you make more money. | 当你赚到更多的钱。 |
| 76 | But the key here is to do it slowly. | 但关键是慢慢来。 |
| 77 | If you end up doing it too quickly, | 如果你最终做得太快, |
| 78 | that's when you find yourself locked into a lifestyle | 当你发现自己陷入了一种生活方式 |
| 79 | that you might not be able to afford. | 你可能负担不起。 |
| 80 | And then you're going to feel in the same place financially | 然后,你会感觉 在同一个地方 在经济上 |
| 81 | as you were before when you were making less money. | 就像你以前挣的钱少的时候一样 |
| 82 | If you care just a little bit less about looking the part | 如果你更不关心看角色 |
| 83 | and more about prioritizing your savings, | 更多关于优先 你的储蓄, |
| 84 | your financial future, investing, and building wealth, | 你的未来 投资 创造财富 |
| 85 | then the pressure to level up into a lifestyle | 然后压力升至一种生活方式 |
| 86 | you might not be able to afford yet | 你可能还买不起 |
| 87 | is going to be a lot less. | 将会少很多。 |
| 88 | And you're going to have so much more money in your pocket | 你口袋里还有这么多钱 |
| 89 | because of it. | 因为它。 |
| 90 | And here's the next problem. | 接下来的问题是 |
| 91 | Once you've upgraded your lifestyle, | 一旦你提升了你的生活方式 |
| 92 | it is really hard to downgrade once you've done it. | 完成后很难降级 |
| 93 | So if you're used to doing things like living alone, | 所以,如果你习惯做一些事情 像独居, |
| 94 | it's going to feel really uncomfortable | 它会觉得很不舒服 |
| 95 | to move in with roommates or your parents again | 和室友或你父母住在一起 |
| 96 | to save money. | 为了节省钱。 |
| 97 | Or if you're trying to shop less, | 或者你想少买一点 |
| 98 | it might feel uncomfortable to choose | 选择自己会觉得不舒服 |
| 99 | to wear some old clothes instead of buying something new | 穿旧衣服,而不是买新衣服 |
| 100 | for that next event. | 为下一场活动。 |
| 101 | It's going to feel like a downgrade | 感觉就像降级 |
| 102 | and it's going to hurt. | 它会伤害。 |
| 103 | And that's because even though downgrading your lifestyle | 这是因为,即使降低你的生活方式 |
| 104 | might be a logical financial decision, | 可能是一个合乎逻辑的财务决定, |
| 105 | especially if you're feeling financial pressure | 特别是如果你感到财政压力 |
| 106 | from lifestyle inflation, | 从生活方式通货膨胀, |
| 107 | emotionally, it's really hard to actually do. | 感情上,真的很难做到 |
| 108 | And let me tell you, I learned this the hard way. | 让我告诉你, 我学到了这个艰难的方法。 |
| 109 | When I committed to paying off my debt, | 当我承诺还债时 |
| 110 | I realized that I was living way above my means, | 我意识到,我的生活 比我的经济, |
| 111 | which meant that I had to start cutting out of my lifestyle. | 这意味着我不得不开始 切断我的生活方式。 |
| 112 | I stopped shopping completely. | 我完全停止购物。 |
| 113 | I stopped going on any and all vacations. | 我不再去度假了 |
| 114 | I stopped eating takeout for a while. | 我暂时不吃外卖了 |
| 115 | I basically cut out all the conveniences and luxuries | 基本上我剪掉了所有的便利和奢侈品 |
| 116 | from my life in order to put more money down on my debt. | 为了把更多的钱放在我身上 |
| 117 | And you know what? | 你知道吗? |
| 118 | It sucked. | 烂透了 |
| 119 | It was uncomfortable. | 感觉很不舒服 |
| 120 | It was embarrassing. | 太尴尬了 |
| 121 | And I even felt like I was going through | 我甚至感觉自己正在经历 |
| 122 | a bit of a withdrawal period because yeah, I kind of was. | 有点退出期,因为我有点。 |
| 123 | I was so used to spending in this certain way for so long | 我习惯用这种方式花这么久 |
| 124 | that it was really difficult to reverse course from that. | 很难从中逆转 |
| 125 | So if you do have a long-term goal of saving serious money | 所以,如果你有一个长期的目标 储蓄认真的钱 |
| 126 | or you're just starting right now, | 或者你刚刚开始 |
| 127 | it's always better to maintain your current standard | 保持你现在的标准总更好 |
| 128 | of living rather than upgrading to a place | 生活,而不是升迁到一个地方 |
| 129 | where you might be struggling to afford to maintain it. | 在那里你可能很难负担维持它。 |
| 130 | This doesn't necessarily mean that you can't spend money | 这不一定意味着你不能花钱 |
| 131 | on nice things, but when you choose to do that, | 但当你选择这么做时 |
| 132 | you have to make sure that you can afford it | 你必须保证你能负担得起 |
| 133 | in the first place and that you have enough | 首先,你有足够的 |
| 134 | so that you don't have to move backwards. | 以免你向后移动。 |
| 135 | And that's where a lot of people can find themselves stuck. | 很多人会发现自己被困在那里 |
| 136 | We often make our decisions based on emotions | 我们经常根据情绪来决定 |
| 137 | and what other people might think. | 还有别人会怎么想 |
| 138 | And then we kind of forget about doing the math. | 然后我们忘了做数学。 |
| 139 | Number three is you let go of the pressure | 第三,你放开压力 |
| 140 | to upgrade everything. | 以提升一切。 |
| 141 | Have you ever bought a really nice dress and thought, | 你有没有买过一件漂亮的衣服,想着 |
| 142 | oh, I love this, but now I need a pair of shoes | 哦,我喜欢这个,但现在我需要一双鞋 |
| 143 | to go with it. | 随它去。 |
| 144 | And now my purse doesn't go. | 现在,我的钱包不走。 |
| 145 | And now I need to get some accessories | 现在我需要一些配件 |
| 146 | and a new jacket to go with this. | 还要换件新外套 |
| 147 | And before you know it, you've bought an entire new wardrobe | 在你知道之前 你买了一套新的衣橱 |
| 148 | just to go with this one item. | 就为了这个 |
| 149 | Let me tell you, you're actually not crazy | 我告诉你,你其实不是疯了 |
| 150 | in having thought that or even having done it | 曾经这样想,甚至做过 |
| 151 | because it's an actual phenomenon called the Diderot effect. | 因为它是一个叫做迪德洛特效应的实际现象. |
| 152 | So your boy Diderot was a guy from the 17th century | 所以,你的儿子迪德洛特是一个男人 从17世纪 |
| 153 | who was broke. | 谁破产了。 |
| 154 | He came into some money and with that money, | 他拿了些钱 带着那些钱 |
| 155 | he bought himself a beautiful robe. | 他买了件漂亮的长袍 |
| 156 | This thing was gorgeous, but all of a sudden, | 这东西很漂亮 但突然间 |
| 157 | the rest of his stuff looked like shit. | 他剩下的东西看起来像狗屎。 |
| 158 | So he needed to upgrade to get a new rug, | 所以他需要升级 以获得新的地毯, |
| 159 | he got a new chair, he got art, he got sculptures. | 他有新的椅子,他有艺术,他有雕塑。 |
| 160 | And before you know it, Diderot was broke again. | 在你知道之前,迪德洛又破产了 |
| 161 | He did have a bunch of nice things, | 他确实有很多好东西, |
| 162 | but also he had no money. | 但他没有钱 |
| 163 | And this becomes another money trap | 这成了另一个金钱陷阱 |
| 164 | if you try to keep up appearances, | 如果你试图保持外表, |
| 165 | because buying one new purchase often leads to a spiral | 因为买一个新货 往往导致螺旋 |
| 166 | of consuming more to match it. | 消费更多来匹配它。 |
| 167 | I think at one time or another, we have all done this | 我想在某个时候 我们都这样做了 |
| 168 | and I wouldn't say it's anything to be ashamed about either | 我也不觉得羞愧 |
| 169 | because as humans, we do have a natural tendency | 因为作为人类,我们有自然的倾向 |
| 170 | to want to consume more rather than less. | 想要消费更多而不是更少。 |
| 171 | We're hunter gatherers, it's like in our DNA. | 我们是猎人采集者 就像我们的DNA一样 |
| 172 | And the way I think that you can really counteract this | 我认为你能够 真正反击这一点 |
| 173 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}就是专心填满你的生活 | |
| 174 | with not necessarily more things, but with the right things. | 与不一定更多的东西, 但与正确的东西。 |
| 175 | Focus on buying things that you actually care about | 专注于购买你真正关心的东西 |
| 176 | and that you actually use. | 而且你实际上使用。 |
| 177 | But what about the times when you do find yourself | 但是当你找到自己的时候 |
| 178 | either needing to or actually wanting to upgrade something? | 需要升级还是想升级? |
| 179 | This is when you can be a bit more strategic | 这时,你可以 有点更具战略性 |
| 180 | with your purchase and buy something that goes well | 买好东西 |
| 181 | and works well with what you already have. | 并用你已有的善功, |
| 182 | So for example, if you do wanna buy something new | 举例来说,如果你想买新东西 |
| 183 | for your wardrobe, then make sure it mixes and matches | 你的衣服,然后确保它混合和匹配 |
| 184 | with the clothes you already have. | 和已经拥有的衣服。 |
| 185 | I think if you set constraints around your upgrades, | 我认为如果你在升级时设置限制 |
| 186 | then you stop feeling the pressure | 然后你就不再感受到压力 |
| 187 | to keep buying more all the time. | 继续买更多时间。 |
| 188 | And when you do upgrade, it's going to be a more strategic | 当你升级时,它将是一个更具战略性的 |
| 189 | and intentional purchase. | 和故意购买。 |
| 190 | I think it really helps you build some defenses | 我认为这是真的帮助你 建立一些防御 |
| 191 | against what other people and what algorithms | 以别的民众和算法盟誓, |
| 192 | are pressuring you to buy. | 逼你买东西 |
| 193 | And you can feel more content and confident | 你可以感到更多 满足和自信 |
| 194 | in what you already have. | 在你已经拥有的。 |
| 195 | Plus you just end up keeping a whole lot more money | 而且你最后还多留了些钱 |
| 196 | in your pocket. | 在你的口袋内。 |
| 197 | Reason number four is that staying quiet | 第四个原因是保持安静 |
| 198 | just keeps it simple. | 简单点 |
| 199 | When you're not constantly upgrading, chasing trends, | 当你没有不断升级, 追逐趋势, |
| 200 | trying to keep up with the Kardashians or the Joneses | 试图跟上卡达什人或琼斯人 |
| 201 | 或在Instagram上的人, | |
| 202 | you're naturally uninviting more clutter into your life. | 你自然会邀请更多的人 进入你的生活。 |
| 203 | Because at the end of the day, things like clutter | 因为最后,事情像杂乱无章 |
| 204 | end up costing you more than just your money. | 最终你付出的不只是你的钱 |
| 205 | It eats up time, energy, maintenance. | 它消耗了时间,能量,维护。 |
| 206 | Keeping things simple is always easier and cheaper. | 保持简单总是容易和便宜的。 |
| 207 | And the great thing about quitting the upgrade rat race | 和伟大的事情 退出升级老鼠比赛 |
| 208 | is that once you stop letting your lifestyle | 一旦你不再让你的生活方式 |
| 209 | creep up on you like that, | 爬上你这样, |
| 210 | then you can start using your money as a tool | 然后你可以开始用你的钱做工具 |
| 211 | to design the life that you want to live | 设计你想要的生活 |
| 212 | instead of always just using it as a way | 而不是总是把它当作一种方法 |
| 213 | to measure yourself against other people | 来衡量自己对别人的打击 |
| 214 | and now strangers online. | 和现在的陌生人在线。 |
| 215 | Because don't forget that money can be used | 因为别忘了钱可以用 |
| 216 | to buy things other than stuff. | 买东西以外的东西。 |
| 217 | You can use it to shape your day. | 你可以用它来塑造你的日子。 |
| 218 | You can use it to reduce your stress | 你可以用它来减轻压力 |
| 219 | and you can use it to create options for yourself. | 你可以用它为自己创造选择。 |
| 220 | Like when I first started making more money, | 就像我刚开始赚钱的时候 |
| 221 | yeah, I bought nice things and nice things are nice. | 是的,我买了好东西,好东西是好的。 |
| 222 | But I realized quickly that I could also use that money | 但我很快意识到 我也可以用那笔钱 |
| 223 | to buy things like time. | 买东西像时间。 |
| 224 | For example, editing one YouTube video | 例如,编辑一个YouTube视频 |
| 225 | can easily take me up to 40 hours. | 可以轻松带我40小时。 |
| 226 | But if I was able to hire an editor, | 但如果我能雇个编辑 |
| 227 | that would offload a ton of time for me | 那会让我失去很多时间 |
| 228 | to either spend more time making more videos, | 要么花更多的时间 制作更多的视频, |
| 229 | which would in turn make me more money, | 这反过来又能让我赚更多的钱 |
| 230 | or just allow me to spend more time with friends and family | 或者让我多和朋友和家人相处 |
| 231 | or doing other hobbies that I enjoy like going to the gym. | 或者做我喜欢的其他爱好 比如去健身房 |
| 232 | You can also use your money as a tool to secure your future. | 你也可以用你的钱来保障你的未来 |
| 233 | If you do choose to save and invest your money, | 如果你真的选择存钱投资 |
| 234 | then you're buying security for your future self. | 那你就为未来的自己买保险 |
| 235 | I like to look at it this way. | 我喜欢这样看 |
| 236 | One way of spending costs you your time | 花你时间的一种方式 |
| 237 | while the other buys it back. | 另一边又买回来 |
| 238 | The next reason you might wanna avoid things | 下一个原因,你可能想要避免的事情 |
| 239 | like lifestyle inflation and flaunting your wealth | 像生活方式膨胀 炫耀你的财富 |
| 240 | is because after a while it kind of stops working. | 因为过了一段时间它就停止工作了 |
| 241 | Because I think we're all naturally wired to think | 因为我认为我们都是自然而然的 思考 |
| 242 | that once we achieve a certain milestone | 一旦我们达到某个里程碑 |
| 243 | or vision of success, then we'll be happy. | 或对成功的设想, 然后我们就会快乐。 |
| 244 | Whether it's things like finally getting that promotion, | 不管是最后升职的事 |
| 245 | paying off debt, or even finally getting visible abs. | 偿还债务,甚至最终变得明显腹肌。 |
| 246 | But once you finally get there and reach your goal, | 但一旦你终于到达并达到你的目标, |
| 247 | it kind of feels surprisingly empty. | 感觉很空虚 |
| 248 | And that's because research shows | 因为研究显示 |
| 249 | that even our biggest successes | 即使我们最大的成功 |
| 250 | quickly become our new baseline. | 迅速成为我们的新基准。 |
| 251 | So this tendency to basically return to your level | 所以,这个趋势 基本上回到你的水平 |
| 252 | of baseline and normal is called the hedonic treadmill. | 基线和正常的称为异步跑车。 |
| 253 | So when it comes to spending all your money on stuff | 所以,当它涉及到 花你所有的钱的东西 |
| 254 | and lifestyle, you're basically spending to nowhere. | 和生活方式,你基本上 花在任何地方。 |
| 255 | Everything you do buy, yes, makes you happy | 所有你买的东西,是的,让你快乐 |
| 256 | for like a split second for a moment. | 就像一分两秒 一瞬间 |
| 257 | But eventually that romance wears off | 但最终浪漫会消退 |
| 258 | and you'll find yourself needing to buy something again | 你会发现自己需要再买点东西 |
| 259 | and again just to get that feeling. | 并再次得到那种感觉。 |
| 260 | But before you say anything, I am not saying | 但是在你说话之前,我不是说 |
| 261 | that money can't buy happiness because yes, | 钱买不到幸福 因为是的 |
| 262 | it absolutely can and anyone who says otherwise | 它绝对可以,任何人 谁说不 |
| 263 | is bullshitting you. | 你在胡说八道 |
| 264 | Having even a little bit of financial security | 有一点财政保障 |
| 265 | buys you safety, it buys you stability, | 买你安全,它买你稳定, |
| 266 | it buys you time, opportunity, flexibility, | 它为你赢得了时间,机会,灵活性, |
| 267 | healthcare, and yes, even fun. | 医疗,是的,甚至有趣。 |
| 268 | But I think the point here is the problem comes | 但我认为问题在于 |
| 269 | when you try to buy that happiness in the wrong places | 当你试图买 在错误的地方的幸福 |
| 270 | and in the wrong things. | 和错误的东西。 |
| 271 | At the end of the day, all that junk you tried to buy | 最终,所有的垃圾 你试图购买 |
| 272 | to feel something used to be money. | 感觉一些曾经是钱的东西。 |
| 273 | So when you stop buying things to flaunt | 所以当你不再买东西来炫耀 |
| 274 | and in the name of lifestyle, | 以生活方式的名义 |
| 275 | then I think that's when you can better use your money | 那时候你就可以用你的钱了 |
| 276 | to actually buy the things that are gonna make you | 真正买的东西 会让你 |
| 277 | truly happy and that are in alignment with your goals, | 和你们的目标一致, |
| 278 | the lifestyle you want and your values. | 你想要的生活方式和你的价值观 |
| 279 | The lifestyle that you want authentically for you, | 你真正想要的生活方式, |
| 280 | not based on what it looks like to other people. | 而不是基于它看起来像其他人。 |
| 281 | The next reason I think you should stop trying | 下一个原因,我认为你应该停止尝试 |
| 282 | to buy your status to show off to other people | 买你的地位 向别人炫耀 |
| 283 | is you can use that money to build a F you fund. | 你可以用那笔钱来建立你的基金 |
| 284 | Yes, I love a good F you fund. | 是的,我喜欢一个很好的F你资助。 |
| 285 | At the end of the day, money buys you two things, | 最终,钱给你买了两件东西 |
| 286 | freedom and flexibility. | 自由和灵活性。 |
| 287 | When I was getting honest about things like my debt | 当我开始诚实地对待我的债务 |
| 288 | and my over consumption, the first thing I thought about | 和我的过度消费, 第一件事,我想 |
| 289 | was why I wanted to get out of debt. | 所以我想摆脱债务 |
| 290 | And if I was really honest with myself, | 如果我真的对自己诚实 |
| 291 | it wasn't necessarily so I could go out and buy more things. | 不一定让我能出去买东西 |
| 292 | I wanted to free up that money and start building my wealth | 我想腾出那笔钱 开始建立我的财富 |
| 293 | so that I could live my life the way I wanted to. | 这样我就能过上我想要的生活 |
| 294 | I wanted the freedom and flexibility to design my own day | 我想要自由灵活地设计自己的一天 |
| 295 | or to be able to go part-time at work | 或能够兼职工作 |
| 296 | so that I could pursue other interests | 这样我就可以追求其他利益 |
| 297 | on a more full-time basis. | 更全职。 |
| 298 | Or even if I wanted to do something as simple as get a dog | 即使我想做点简单的事 |
| 299 | or move out of my apartment, | 或者搬出我的公寓, |
| 300 | all of those things cost money. | 所有那些东西都要花钱 |
| 301 | And if all of your money is caught up in places like debt | 如果你所有的钱都困在债务之类的地方 |
| 302 | or spending it on things that you don't actually care about, | 或者花在那些你并不关心的事情上 |
| 303 | then it really limits your ability | 那真的会限制你的能力 |
| 304 | to do the things you wanna do | 来做你想做的事 |
| 305 | and design the life that you want to live. | 设计你想要的生活。 |
| 306 | And very slowly and surely over time, | 慢慢的 肯定的 随着时间的推移 |
| 307 | I was able to pay off my debt | 我得以还清债务 |
| 308 | and also build up a savings and a safety net | 建立储蓄和安全网 |
| 309 | so that I could go part-time at work. | 这样我就可以兼职工作了 |
| 310 | And I could take risks like pursuing YouTube | 我可以冒险去追求YouTube |
| 311 | and content creation on a more full-time basis. | 和内容在更全时的基础上创建. |
| 312 | If you can zoom out and look at the bigger picture | 如果你可以放大,看看大局 |
| 313 | and really think about your why, | 好好想想你为什么 |
| 314 | you're gonna be that much more motivated to save that money | 你会有那么多的动力去省钱 |
| 315 | so that you can spend your life | 让你度过一生 |
| 316 | and your time exactly the way you want to. | 和你的时间 正是你想要的方式。 |
| 317 | But the other thing that this money can buy you | 但还有一样钱可以买给你 |
| 318 | is safety and security. | 是安全保障。 |
| 319 | I think everybody needs an FU fund | 我觉得每个人都需要一个FU基金 |
| 320 | because yes, you can use it to take risks, | 因为是的 你可以用它冒险 |
| 321 | but you can also use it to take yourself out | 但你也可以用它去自杀 |
| 322 | of a situation you no longer want to be in, | 你不再想陷入这样的境地 |
| 323 | whether it be a toxic job or even a toxic relationship. | 无论是有毒的工作,甚至是有毒的关系。 |
| 324 | There's a saying in personal finance, | 个人财务有句谚语 |
| 325 | if it can go wrong, it will. | 如果它会出错,它会。 |
| 326 | So you need to be ready for that. | 所以,你需要做好准备。 |
| 327 | And let me tell you, | 让我告诉你, |
| 328 | when I was in the depths of my girl math, treat yourself era, | 当我在深 我的女朋友数学, 对待自己时代, |
| 329 | I remember vividly going out to the mall | 我记得去商场时很生动 |
| 330 | because that's how I spent my time | 因为我就是这样度过的 |
| 331 | and my income at the time, forget about saving, | 以及我当时的收入, 忘了储蓄, |
| 332 | but I dropped $500 going shopping that day. | 那天去购物时我掉了500块 |
| 333 | And then I scratched my car like severely, severely. | 然后,我刮我的车 像严重,严重。 |
| 334 | And I was in a total panic | 我当时非常恐慌 |
| 335 | because I had no idea how I was gonna pay to fix it. | 因为我不知道我该怎么付钱来修复它 |
| 336 | But on the flip side to that, | 但另一方面, |
| 337 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}没有问题 {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}我扔了500块 | |
| 338 | that I didn't really have on clothes | 我真的没有穿衣服 |
| 339 | that I also didn't need to impress people | 我也不需要打动别人 |
| 340 | that I didn't know and or didn't really like. | 我不知道 或不喜欢。 |
| 341 | And I know that scenario is minor | 我知道这个情节很轻微 |
| 342 | when it comes to something like a layoff | 当它涉及到 像裁员 |
| 343 | or an emergency situation. | 或紧急情况。 |
| 344 | But at the end of the day, | 但到头来, |
| 345 | if you have money set aside for big emergencies | 如果你有资金 预留用于重大紧急情况 |
| 346 | and even minor inconveniences, | 和轻微的不便, |
| 347 | it really does buy you peace of mind. | 它真的能给你带来平静 |
| 348 | Because on top of all the other stress | 因为除了其他压力之外 |
| 349 | you're already going through, | 你已经经历, |
| 350 | you don't wanna add money to the worry pile on top of that. | 你不会想把钱加在 担心的堆堆之上。 |
| 351 | This next reason, | 下一个原因 |
| 352 | I think that we can all take to heart a little bit more | 我想我们可以多一点心思 |
| 353 | and it's when you feel like you have enough, | 当你觉得你有足够的, |
| 354 | you stop wanting more all the time. | 你不再想要更多的时间。 |
| 355 | You're simply just grateful and content with what you have. | 你只是感激和满足 你所拥有的。 |
| 356 | And I truly believe that I think the richest | 我真的相信,我认为最富有的 |
| 357 | and most content and calmest people | 和最满意和最冷静的人 |
| 358 | are the ones who are grateful for what they already have, | 他们是感谢已获得的, |
| 359 | regardless of income. | 不论收入多少。 |
| 360 | And it doesn't mean that these people | 这并不意味着这些人 |
| 361 | don't have or own nice things, | 不拥有或拥有好的东西, |
| 362 | but it fully doesn't consume their thoughts, | 但它不完全消耗 他们的思想, |
| 363 | their time or their wealth. | 他们的时间或财富。 |
| 364 | And when you're truly content with what you have | 当你真正满足于你所拥有的 |
| 365 | and you kind of stop wanting for more all the time, | 你不再渴望更多时间, |
| 366 | I think that's when you can divert your money | 我想你可以把钱分给别人 |
| 367 | to spend it on other things that you truly value, | 把它花在 你真正珍视的其他事物上, |
| 368 | like experiences, like spending time with friends and family, | 像经验, 像花时间与朋友和家人, |
| 369 | like building your dream life. | 就像建立你的梦想生活。 |
| 370 | I think there's a great quote that sort of sums this up | 我觉得有一句好话 说得有点夸张 |
| 371 | from the author of The Psychology of Money, Morgan Housel. | 来自"钱的心理学"作者摩根·豪斯尔. |
| 372 | He says that wealth is not always what you want, | 他说财富不是你想要的 |
| 373 | it's what you have. | 这是你拥有的。 |
| 374 | And I think it's a great reminder, | 我认为这是一个伟大的提醒, |
| 375 | especially when you're feeling spendy | 特别是当你觉得浪费 |
| 376 | for kind of the wrong reasons. | 原因不对 |
| 377 | And this one I think flies under the radar a little bit, | 我想这个在雷达下飞了一下 |
| 378 | but once you start doing it, | 但一旦你开始这样做, |
| 379 | I feel like there is no other way to spend money. | 我觉得没有别的办法可以花钱 |
| 380 | But when you stop spending your money | 但当你停止花钱时 |
| 381 | with other people in mind is when you can start spending it | 其他人的心思是 当你可以开始花它 |
| 382 | in actual alignment with your values. | 与您的数值相对应。 |
| 383 | This is where it becomes a lot easier | 这里变得容易多了 |
| 384 | to spend on things like hobbies | 花在喜欢的东西上 |
| 385 | and things you enjoy guilt-free. | 以及你们所享受的,是无罪的。 |
| 386 | And I think it's also how you just live within | 我想这也是你如何在其中生活 |
| 387 | or even below your means without feeling dissatisfied from it. | 或甚至低于你的财力 而不感到不满。 |
| 388 | And when you do choose to spend money, | 当你选择花钱的时候 |
| 389 | when it's in alignment with your values, | 当它符合你的价值观, |
| 390 | that's when I feel like you also become | 那时我觉得你也是 |
| 391 | a lot more confident in that spending | 更有信心的花费 |
| 392 | and you start to experience buyer's remorse | 你开始体验买家的悔恨 |
| 393 | a lot less frequently. | 更不常见。 |
| 394 | And yes, this way of spending | 是的,这种支出方式 |
| 395 | is a great way to spend on yourself, | 是一个伟大的方式 花在自己身上, |
| 396 | but it can also free up money | 但也可以腾出钱 |
| 397 | so that you can support causes | 这样你就可以支持事业 |
| 398 | and donate to things that you believe in. | 并捐献给你们所信仰的东西。 |
| 399 | When all of your spending is tied to feeling pressure | 当你所有的花费都和压力有关 |
| 400 | from external forces to look or be a certain way, | 从外部力量看 或是一个特定的方式, |
| 401 | it becomes really difficult to spend | 很难花钱 |
| 402 | in alignment with your own values. | 符合自己的价值。 |
| 403 | And I feel like that's when none of that spending | 我觉得这时候,没有花费 |
| 404 | actually feels good. | 实际上感觉很好。 |
| 405 | At the end of the day, | 临终时. |
| 406 | when you're saying yes to a certain type of spending, | 当你对某类支出表示同意时 |
| 407 | you're saying no to something else. | 你在对别的东西说不 |
| 408 | And I think truly when you focus less | 我真心觉得当你不专心的时候 |
| 409 | on what other people are gonna think | 别人会怎么想 |
| 410 | or how you look to others, | 或你对别人的期待, |
| 411 | then you can really start to focus more | 那你就可以开始专心了 |
| 412 | on what you actually care about | 你真正关心的是什么 |
| 413 | and how you're gonna use your money as a tool | 还有你如何用你的钱做工具 |
| 414 | to design the authentic life that you want to live. | 来设计你想过的真实生活 |
| 415 | I think so many people use YOLO, | 我想这么多人使用YOLO, |
| 416 | you only live once, as an excuse to spend that money. | 你只活过一次,作为花钱的借口 |
| 417 | 当然是YOLO | |
| 418 | but don't you wanna use that money | 但是不要用那笔钱 |
| 419 | as a tool to build your authentic dream life? | 作为构建你真实梦想生活的工具? |
| 420 | Maybe not necessarily somebody else's. | 也许不一定是别人的 |
| 421 | So those are 10 reasons why | 所以,这是10个原因 |
| 422 | when you start saving serious money | 当你开始存大钱的时候 |
| 423 | and building real wealth, | 并创造真实的财富, |
| 424 | you might not wanna let others know about it, | 你也许不想让别人知道这件事 |
| 425 | especially in the way that you look. | 尤其是你的样子 |
| 426 | But if you're just getting started | 但如果你刚刚开始 |
| 427 | in building the money habits | 钱的习惯 |
| 428 | to actually get to this place, | 真正到达这个地方, |
| 429 | then you're gonna have to start with a budget. | 那你得从预算开始 |
| 430 | So watch this video next | 接下来看这个视频 |
| 431 | where I show you exactly how to budget | 我教你们怎么预算 |
| 432 | from start to finish, | 从开始到完成, |
| 433 | so you can start taking control of your money | 这样你就可以开始控制你的钱了 |
| 434 | instead of wondering where it all went. | 而不是在想这一切会到哪里去 |
| 435 | Thanks for watching and I'll see you next week, bye. | 谢谢你的观看 下周见 再见 |
该视频共有字幕 435 条。解锁更多字幕为会员功能，请移动到 价格
P2 · 【财富思维】为什么看起来穷很重要 · 低调财富观 p02 英文字幕 (P2)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | For over a decade of my life, | 在我生命的十多年里, |
| 0:01 | I spent almost all of my money trying to keep up. | 我花了我几乎所有的钱 试图跟上。 |
| 0:04 | I was buying haul after haul of trendy clothes, | 我买了很多时髦的衣服 |
| 0:07 | posting flat lays on Instagram of my $14 avocado toast, | 在Instagram上贴上我的14美元鳄梨面包 |
| 0:11 | just for my mom to like it. | 只是让我妈妈喜欢它。 |
| 0:12 | And I would easily drop $600 on a pair of shoes | 我一双鞋就掉六百块 |
| 0:15 | that hurt my feet just so I could have the label. | 那伤了我的脚 让我可以有标签。 |
| 0:19 | And I was doing all of this | 我做了这一切 |
| 0:20 | just so I could feel like I had made it, | 让我觉得自己做到了 |
| 0:22 | and more importantly, to signal to others that I had. | 更重要的是, 向别人表示我有。 |
展开字幕全文（435 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | For over a decade of my life, | 在我生命的十多年里, |
| 2 | I spent almost all of my money trying to keep up. | 我花了我几乎所有的钱 试图跟上。 |
| 3 | I was buying haul after haul of trendy clothes, | 我买了很多时髦的衣服 |
| 4 | posting flat lays on Instagram of my $14 avocado toast, | 在Instagram上贴上我的14美元鳄梨面包 |
| 5 | just for my mom to like it. | 只是让我妈妈喜欢它。 |
| 6 | And I would easily drop $600 on a pair of shoes | 我一双鞋就掉六百块 |
| 7 | that hurt my feet just so I could have the label. | 那伤了我的脚 让我可以有标签。 |
| 8 | And I was doing all of this | 我做了这一切 |
| 9 | just so I could feel like I had made it, | 让我觉得自己做到了 |
| 10 | and more importantly, to signal to others that I had. | 更重要的是, 向别人表示我有。 |
| 11 | But in the background, I was completely broke | 但从背景来看 我完全破产了 |
| 12 | and in six figures of debt. | 和6个债务数字。 |
| 13 | But as soon as I stopped all the BS | 但只要我停止所有的BS |
| 14 | was when I started to save serious money | 那时我开始存大钱 |
| 15 | and build the rich girl life I had always dreamed of living. | 和建立富家女的生活 我一直梦想生活。 |
| 16 | So in this video, I'm gonna break down all the reasons why | 因此,在这个视频中,我将解析所有原因 |
| 17 | when you start making and saving serious money, | 当你开始赚钱和储蓄, |
| 18 | the best possible thing you can do | 最好的办法 |
| 19 | is to stay quiet about it and to avoid looking the part. | 保持安静 避免寻找角色 |
| 20 | Starting with reason number one, | 从第一原因开始 |
| 21 | life won't creep up on you. | 生命不会爬到你身上 |
| 22 | There's a term in personal finance that I fell victim to | 个人财务有个术语 我成了受害者 |
| 23 | as I was spending all of my disposable income | 因为我花光了所有可支配收入 |
| 24 | cost-playing rich, and that is lifestyle creep. | 成本游戏富有, 这就是生活方式的变态。 |
| 25 | Lifestyle creep essentially happens | 生活方式的变态 基本上发生 |
| 26 | when you increase your lifestyle alongside your income. | 当你增加你的生活方式 与你的收入。 |
| 27 | So as you make more money, | 所以,当你赚更多的钱, |
| 28 | that's when you start feeling like you need to | 当你开始感觉你需要 |
| 29 | upgrade your apartment or your car or buy better clothes. | 或购买更好的衣服。 |
| 30 | But I can tell you from firsthand experience | 但我能从第一手经验中告诉你 |
| 31 | that it is the fastest way of staying stuck with your money. | 这是用你的钱保持最快的方式 |
| 32 | And more people fall victim to this than you might think. | 而更多的人成为这个的受害者 比你想的。 |
| 33 | It's actually how a lot of people who make decent money | 其实是很多赚钱的人 |
| 34 | end up living paycheck to paycheck | 最终靠活工资维持生计 |
| 35 | because they're spending all of their money | 因为他们把钱都花光了 |
| 36 | maintaining their lifestyle | 维持他们的生活方式 |
| 37 | rather than being able to save and invest. | 而不是能够节省和投资。 |
| 38 | And the sort of insidious and hard part about it too | 和那种阴险和难的部分 |
| 39 | is that it's really hard to tell | 很难说 |
| 40 | when people are living this way | 当人们这样生活的时候 |
| 41 | because a lot of people subsidize their lifestyles | 因为很多人补贴他们的生活方式 |
| 42 | using things like credit cards and debt. | 使用诸如信用卡和债务之类的东西。 |
| 43 | So you may look like you're doing really well | 所以,你可能看起来像 你做得很好 |
| 44 | from the outside, but behind the scenes, | 从外面,但幕后, |
| 45 | you could be struggling and living paycheck to paycheck. | 你可能为了薪水而苦苦挣扎和活活 |
| 46 | This definitely happened to me | 这绝对发生在我身上 |
| 47 | when I first graduated university | 当我刚从大学毕业的时候 |
| 48 | and started working in my career. | 并开始在我的职业生涯中工作。 |
| 49 | Even though I graduated school | 虽然我毕业了 |
| 50 | with over $120,000 in student loans, | 有超过120 000美元的学生贷款, |
| 51 | I immediately moved to a big city out on my own | 我马上独自搬到一个大城市 |
| 52 | because I was sick of living with roommates | 因为我厌倦了和室友住在一起 |
| 53 | and I was spending all of my big girl money buying clothes | 我花了我所有大姑娘的钱买衣服 |
| 54 | so that I could look like I matched my income. | 那样我就可以看起来像我的收入。 |
| 55 | If I could do it all over again, | 如果我能再来一次 |
| 56 | at least for a little while, | 至少有一阵子 |
| 57 | I would try to live as cheaply as I could | 我会尽量低廉地生活 |
| 58 | so that I could put a lot of my money | 这样我就可以把很多钱 |
| 59 | to aggressively pay off my debt. | 来偿还我的债务 |
| 60 | Because at the end of the day, | 因为最后 |
| 61 | even though I was making good money, | 虽然我赚了很多钱 |
| 62 | it ended up being my debt and my lifestyle spending habits | 结果是我的债务和生活方式 消费习惯 |
| 63 | that was keeping me stuck. | 那让我困住了。 |
| 64 | But from the outside looking in, | 但从外面看, |
| 65 | you'd think I'd have my shit together. | 你以为我会得到我的狗屎在一起。 |
| 66 | So if you're watching this | 如果你在看这个 |
| 67 | and you're just starting your career | 你刚刚开始你的事业 |
| 68 | or you're expecting a bonus or a raise, | 或期待奖金或加薪, |
| 69 | it's going to feel very tempting to spend that money | 花那些钱会很诱人 |
| 70 | on things like lifestyle or buying a new car | 在生活方式或买新车上 |
| 71 | or making some kind of upgrade to your life. | 或者让你的生活得到提升 |
| 72 | And you know what, honestly, | 你知道,说实话, |
| 73 | I don't think that's fully a bad thing. | 我不认为这完全是件坏事。 |
| 74 | I think you should upgrade your lifestyle | 我想你应该提高你的生活方式 |
| 75 | as you make more money. | 当你赚到更多的钱。 |
| 76 | But the key here is to do it slowly. | 但关键是慢慢来。 |
| 77 | If you end up doing it too quickly, | 如果你最终做得太快, |
| 78 | that's when you find yourself locked into a lifestyle | 当你发现自己陷入了一种生活方式 |
| 79 | that you might not be able to afford. | 你可能负担不起。 |
| 80 | And then you're going to feel in the same place financially | 然后,你会感觉 在同一个地方 在经济上 |
| 81 | as you were before when you were making less money. | 就像你以前挣的钱少的时候一样 |
| 82 | If you care just a little bit less about looking the part | 如果你更不关心看角色 |
| 83 | and more about prioritizing your savings, | 更多关于优先 你的储蓄, |
| 84 | your financial future, investing, and building wealth, | 你的未来 投资 创造财富 |
| 85 | then the pressure to level up into a lifestyle | 然后压力升至一种生活方式 |
| 86 | you might not be able to afford yet | 你可能还买不起 |
| 87 | is going to be a lot less. | 将会少很多。 |
| 88 | And you're going to have so much more money in your pocket | 你口袋里还有这么多钱 |
| 89 | because of it. | 因为它。 |
| 90 | And here's the next problem. | 接下来的问题是 |
| 91 | Once you've upgraded your lifestyle, | 一旦你提升了你的生活方式 |
| 92 | it is really hard to downgrade once you've done it. | 完成后很难降级 |
| 93 | So if you're used to doing things like living alone, | 所以,如果你习惯做一些事情 像独居, |
| 94 | it's going to feel really uncomfortable | 它会觉得很不舒服 |
| 95 | to move in with roommates or your parents again | 和室友或你父母住在一起 |
| 96 | to save money. | 为了节省钱。 |
| 97 | Or if you're trying to shop less, | 或者你想少买一点 |
| 98 | it might feel uncomfortable to choose | 选择自己会觉得不舒服 |
| 99 | to wear some old clothes instead of buying something new | 穿旧衣服,而不是买新衣服 |
| 100 | for that next event. | 为下一场活动。 |
| 101 | It's going to feel like a downgrade | 感觉就像降级 |
| 102 | and it's going to hurt. | 它会伤害。 |
| 103 | And that's because even though downgrading your lifestyle | 这是因为,即使降低你的生活方式 |
| 104 | might be a logical financial decision, | 可能是一个合乎逻辑的财务决定, |
| 105 | especially if you're feeling financial pressure | 特别是如果你感到财政压力 |
| 106 | from lifestyle inflation, | 从生活方式通货膨胀, |
| 107 | emotionally, it's really hard to actually do. | 感情上,真的很难做到 |
| 108 | And let me tell you, I learned this the hard way. | 让我告诉你, 我学到了这个艰难的方法。 |
| 109 | When I committed to paying off my debt, | 当我承诺还债时 |
| 110 | I realized that I was living way above my means, | 我意识到,我的生活 比我的经济, |
| 111 | which meant that I had to start cutting out of my lifestyle. | 这意味着我不得不开始 切断我的生活方式。 |
| 112 | I stopped shopping completely. | 我完全停止购物。 |
| 113 | I stopped going on any and all vacations. | 我不再去度假了 |
| 114 | I stopped eating takeout for a while. | 我暂时不吃外卖了 |
| 115 | I basically cut out all the conveniences and luxuries | 基本上我剪掉了所有的便利和奢侈品 |
| 116 | from my life in order to put more money down on my debt. | 为了把更多的钱放在我身上 |
| 117 | And you know what? | 你知道吗? |
| 118 | It sucked. | 烂透了 |
| 119 | It was uncomfortable. | 感觉很不舒服 |
| 120 | It was embarrassing. | 太尴尬了 |
| 121 | And I even felt like I was going through | 我甚至感觉自己正在经历 |
| 122 | a bit of a withdrawal period because yeah, I kind of was. | 有点退出期,因为我有点。 |
| 123 | I was so used to spending in this certain way for so long | 我习惯用这种方式花这么久 |
| 124 | that it was really difficult to reverse course from that. | 很难从中逆转 |
| 125 | So if you do have a long-term goal of saving serious money | 所以,如果你有一个长期的目标 储蓄认真的钱 |
| 126 | or you're just starting right now, | 或者你刚刚开始 |
| 127 | it's always better to maintain your current standard | 保持你现在的标准总更好 |
| 128 | of living rather than upgrading to a place | 生活,而不是升迁到一个地方 |
| 129 | where you might be struggling to afford to maintain it. | 在那里你可能很难负担维持它。 |
| 130 | This doesn't necessarily mean that you can't spend money | 这不一定意味着你不能花钱 |
| 131 | on nice things, but when you choose to do that, | 但当你选择这么做时 |
| 132 | you have to make sure that you can afford it | 你必须保证你能负担得起 |
| 133 | in the first place and that you have enough | 首先,你有足够的 |
| 134 | so that you don't have to move backwards. | 以免你向后移动。 |
| 135 | And that's where a lot of people can find themselves stuck. | 很多人会发现自己被困在那里 |
| 136 | We often make our decisions based on emotions | 我们经常根据情绪来决定 |
| 137 | and what other people might think. | 还有别人会怎么想 |
| 138 | And then we kind of forget about doing the math. | 然后我们忘了做数学。 |
| 139 | Number three is you let go of the pressure | 第三,你放开压力 |
| 140 | to upgrade everything. | 以提升一切。 |
| 141 | Have you ever bought a really nice dress and thought, | 你有没有买过一件漂亮的衣服,想着 |
| 142 | oh, I love this, but now I need a pair of shoes | 哦,我喜欢这个,但现在我需要一双鞋 |
| 143 | to go with it. | 随它去。 |
| 144 | And now my purse doesn't go. | 现在,我的钱包不走。 |
| 145 | And now I need to get some accessories | 现在我需要一些配件 |
| 146 | and a new jacket to go with this. | 还要换件新外套 |
| 147 | And before you know it, you've bought an entire new wardrobe | 在你知道之前 你买了一套新的衣橱 |
| 148 | just to go with this one item. | 就为了这个 |
| 149 | Let me tell you, you're actually not crazy | 我告诉你,你其实不是疯了 |
| 150 | in having thought that or even having done it | 曾经这样想,甚至做过 |
| 151 | because it's an actual phenomenon called the Diderot effect. | 因为它是一个叫做迪德洛特效应的实际现象. |
| 152 | So your boy Diderot was a guy from the 17th century | 所以,你的儿子迪德洛特是一个男人 从17世纪 |
| 153 | who was broke. | 谁破产了。 |
| 154 | He came into some money and with that money, | 他拿了些钱 带着那些钱 |
| 155 | he bought himself a beautiful robe. | 他买了件漂亮的长袍 |
| 156 | This thing was gorgeous, but all of a sudden, | 这东西很漂亮 但突然间 |
| 157 | the rest of his stuff looked like shit. | 他剩下的东西看起来像狗屎。 |
| 158 | So he needed to upgrade to get a new rug, | 所以他需要升级 以获得新的地毯, |
| 159 | he got a new chair, he got art, he got sculptures. | 他有新的椅子,他有艺术,他有雕塑。 |
| 160 | And before you know it, Diderot was broke again. | 在你知道之前,迪德洛又破产了 |
| 161 | He did have a bunch of nice things, | 他确实有很多好东西, |
| 162 | but also he had no money. | 但他没有钱 |
| 163 | And this becomes another money trap | 这成了另一个金钱陷阱 |
| 164 | if you try to keep up appearances, | 如果你试图保持外表, |
| 165 | because buying one new purchase often leads to a spiral | 因为买一个新货 往往导致螺旋 |
| 166 | of consuming more to match it. | 消费更多来匹配它。 |
| 167 | I think at one time or another, we have all done this | 我想在某个时候 我们都这样做了 |
| 168 | and I wouldn't say it's anything to be ashamed about either | 我也不觉得羞愧 |
| 169 | because as humans, we do have a natural tendency | 因为作为人类,我们有自然的倾向 |
| 170 | to want to consume more rather than less. | 想要消费更多而不是更少。 |
| 171 | We're hunter gatherers, it's like in our DNA. | 我们是猎人采集者 就像我们的DNA一样 |
| 172 | And the way I think that you can really counteract this | 我认为你能够 真正反击这一点 |
| 173 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}就是专心填满你的生活 | |
| 174 | with not necessarily more things, but with the right things. | 与不一定更多的东西, 但与正确的东西。 |
| 175 | Focus on buying things that you actually care about | 专注于购买你真正关心的东西 |
| 176 | and that you actually use. | 而且你实际上使用。 |
| 177 | But what about the times when you do find yourself | 但是当你找到自己的时候 |
| 178 | either needing to or actually wanting to upgrade something? | 需要升级还是想升级? |
| 179 | This is when you can be a bit more strategic | 这时,你可以 有点更具战略性 |
| 180 | with your purchase and buy something that goes well | 买好东西 |
| 181 | and works well with what you already have. | 并用你已有的善功, |
| 182 | So for example, if you do wanna buy something new | 举例来说,如果你想买新东西 |
| 183 | for your wardrobe, then make sure it mixes and matches | 你的衣服,然后确保它混合和匹配 |
| 184 | with the clothes you already have. | 和已经拥有的衣服。 |
| 185 | I think if you set constraints around your upgrades, | 我认为如果你在升级时设置限制 |
| 186 | then you stop feeling the pressure | 然后你就不再感受到压力 |
| 187 | to keep buying more all the time. | 继续买更多时间。 |
| 188 | And when you do upgrade, it's going to be a more strategic | 当你升级时,它将是一个更具战略性的 |
| 189 | and intentional purchase. | 和故意购买。 |
| 190 | I think it really helps you build some defenses | 我认为这是真的帮助你 建立一些防御 |
| 191 | against what other people and what algorithms | 以别的民众和算法盟誓, |
| 192 | are pressuring you to buy. | 逼你买东西 |
| 193 | And you can feel more content and confident | 你可以感到更多 满足和自信 |
| 194 | in what you already have. | 在你已经拥有的。 |
| 195 | Plus you just end up keeping a whole lot more money | 而且你最后还多留了些钱 |
| 196 | in your pocket. | 在你的口袋内。 |
| 197 | Reason number four is that staying quiet | 第四个原因是保持安静 |
| 198 | just keeps it simple. | 简单点 |
| 199 | When you're not constantly upgrading, chasing trends, | 当你没有不断升级, 追逐趋势, |
| 200 | trying to keep up with the Kardashians or the Joneses | 试图跟上卡达什人或琼斯人 |
| 201 | 或在Instagram上的人, | |
| 202 | you're naturally uninviting more clutter into your life. | 你自然会邀请更多的人 进入你的生活。 |
| 203 | Because at the end of the day, things like clutter | 因为最后,事情像杂乱无章 |
| 204 | end up costing you more than just your money. | 最终你付出的不只是你的钱 |
| 205 | It eats up time, energy, maintenance. | 它消耗了时间,能量,维护。 |
| 206 | Keeping things simple is always easier and cheaper. | 保持简单总是容易和便宜的。 |
| 207 | And the great thing about quitting the upgrade rat race | 和伟大的事情 退出升级老鼠比赛 |
| 208 | is that once you stop letting your lifestyle | 一旦你不再让你的生活方式 |
| 209 | creep up on you like that, | 爬上你这样, |
| 210 | then you can start using your money as a tool | 然后你可以开始用你的钱做工具 |
| 211 | to design the life that you want to live | 设计你想要的生活 |
| 212 | instead of always just using it as a way | 而不是总是把它当作一种方法 |
| 213 | to measure yourself against other people | 来衡量自己对别人的打击 |
| 214 | and now strangers online. | 和现在的陌生人在线。 |
| 215 | Because don't forget that money can be used | 因为别忘了钱可以用 |
| 216 | to buy things other than stuff. | 买东西以外的东西。 |
| 217 | You can use it to shape your day. | 你可以用它来塑造你的日子。 |
| 218 | You can use it to reduce your stress | 你可以用它来减轻压力 |
| 219 | and you can use it to create options for yourself. | 你可以用它为自己创造选择。 |
| 220 | Like when I first started making more money, | 就像我刚开始赚钱的时候 |
| 221 | yeah, I bought nice things and nice things are nice. | 是的,我买了好东西,好东西是好的。 |
| 222 | But I realized quickly that I could also use that money | 但我很快意识到 我也可以用那笔钱 |
| 223 | to buy things like time. | 买东西像时间。 |
| 224 | For example, editing one YouTube video | 例如,编辑一个YouTube视频 |
| 225 | can easily take me up to 40 hours. | 可以轻松带我40小时。 |
| 226 | But if I was able to hire an editor, | 但如果我能雇个编辑 |
| 227 | that would offload a ton of time for me | 那会让我失去很多时间 |
| 228 | to either spend more time making more videos, | 要么花更多的时间 制作更多的视频, |
| 229 | which would in turn make me more money, | 这反过来又能让我赚更多的钱 |
| 230 | or just allow me to spend more time with friends and family | 或者让我多和朋友和家人相处 |
| 231 | or doing other hobbies that I enjoy like going to the gym. | 或者做我喜欢的其他爱好 比如去健身房 |
| 232 | You can also use your money as a tool to secure your future. | 你也可以用你的钱来保障你的未来 |
| 233 | If you do choose to save and invest your money, | 如果你真的选择存钱投资 |
| 234 | then you're buying security for your future self. | 那你就为未来的自己买保险 |
| 235 | I like to look at it this way. | 我喜欢这样看 |
| 236 | One way of spending costs you your time | 花你时间的一种方式 |
| 237 | while the other buys it back. | 另一边又买回来 |
| 238 | The next reason you might wanna avoid things | 下一个原因,你可能想要避免的事情 |
| 239 | like lifestyle inflation and flaunting your wealth | 像生活方式膨胀 炫耀你的财富 |
| 240 | is because after a while it kind of stops working. | 因为过了一段时间它就停止工作了 |
| 241 | Because I think we're all naturally wired to think | 因为我认为我们都是自然而然的 思考 |
| 242 | that once we achieve a certain milestone | 一旦我们达到某个里程碑 |
| 243 | or vision of success, then we'll be happy. | 或对成功的设想, 然后我们就会快乐。 |
| 244 | Whether it's things like finally getting that promotion, | 不管是最后升职的事 |
| 245 | paying off debt, or even finally getting visible abs. | 偿还债务,甚至最终变得明显腹肌。 |
| 246 | But once you finally get there and reach your goal, | 但一旦你终于到达并达到你的目标, |
| 247 | it kind of feels surprisingly empty. | 感觉很空虚 |
| 248 | And that's because research shows | 因为研究显示 |
| 249 | that even our biggest successes | 即使我们最大的成功 |
| 250 | quickly become our new baseline. | 迅速成为我们的新基准。 |
| 251 | So this tendency to basically return to your level | 所以,这个趋势 基本上回到你的水平 |
| 252 | of baseline and normal is called the hedonic treadmill. | 基线和正常的称为异步跑车。 |
| 253 | So when it comes to spending all your money on stuff | 所以,当它涉及到 花你所有的钱的东西 |
| 254 | and lifestyle, you're basically spending to nowhere. | 和生活方式,你基本上 花在任何地方。 |
| 255 | Everything you do buy, yes, makes you happy | 所有你买的东西,是的,让你快乐 |
| 256 | for like a split second for a moment. | 就像一分两秒 一瞬间 |
| 257 | But eventually that romance wears off | 但最终浪漫会消退 |
| 258 | and you'll find yourself needing to buy something again | 你会发现自己需要再买点东西 |
| 259 | and again just to get that feeling. | 并再次得到那种感觉。 |
| 260 | But before you say anything, I am not saying | 但是在你说话之前,我不是说 |
| 261 | that money can't buy happiness because yes, | 钱买不到幸福 因为是的 |
| 262 | it absolutely can and anyone who says otherwise | 它绝对可以,任何人 谁说不 |
| 263 | is bullshitting you. | 你在胡说八道 |
| 264 | Having even a little bit of financial security | 有一点财政保障 |
| 265 | buys you safety, it buys you stability, | 买你安全,它买你稳定, |
| 266 | it buys you time, opportunity, flexibility, | 它为你赢得了时间,机会,灵活性, |
| 267 | healthcare, and yes, even fun. | 医疗,是的,甚至有趣。 |
| 268 | But I think the point here is the problem comes | 但我认为问题在于 |
| 269 | when you try to buy that happiness in the wrong places | 当你试图买 在错误的地方的幸福 |
| 270 | and in the wrong things. | 和错误的东西。 |
| 271 | At the end of the day, all that junk you tried to buy | 最终,所有的垃圾 你试图购买 |
| 272 | to feel something used to be money. | 感觉一些曾经是钱的东西。 |
| 273 | So when you stop buying things to flaunt | 所以当你不再买东西来炫耀 |
| 274 | and in the name of lifestyle, | 以生活方式的名义 |
| 275 | then I think that's when you can better use your money | 那时候你就可以用你的钱了 |
| 276 | to actually buy the things that are gonna make you | 真正买的东西 会让你 |
| 277 | truly happy and that are in alignment with your goals, | 和你们的目标一致, |
| 278 | the lifestyle you want and your values. | 你想要的生活方式和你的价值观 |
| 279 | The lifestyle that you want authentically for you, | 你真正想要的生活方式, |
| 280 | not based on what it looks like to other people. | 而不是基于它看起来像其他人。 |
| 281 | The next reason I think you should stop trying | 下一个原因,我认为你应该停止尝试 |
| 282 | to buy your status to show off to other people | 买你的地位 向别人炫耀 |
| 283 | is you can use that money to build a F you fund. | 你可以用那笔钱来建立你的基金 |
| 284 | Yes, I love a good F you fund. | 是的,我喜欢一个很好的F你资助。 |
| 285 | At the end of the day, money buys you two things, | 最终,钱给你买了两件东西 |
| 286 | freedom and flexibility. | 自由和灵活性。 |
| 287 | When I was getting honest about things like my debt | 当我开始诚实地对待我的债务 |
| 288 | and my over consumption, the first thing I thought about | 和我的过度消费, 第一件事,我想 |
| 289 | was why I wanted to get out of debt. | 所以我想摆脱债务 |
| 290 | And if I was really honest with myself, | 如果我真的对自己诚实 |
| 291 | it wasn't necessarily so I could go out and buy more things. | 不一定让我能出去买东西 |
| 292 | I wanted to free up that money and start building my wealth | 我想腾出那笔钱 开始建立我的财富 |
| 293 | so that I could live my life the way I wanted to. | 这样我就能过上我想要的生活 |
| 294 | I wanted the freedom and flexibility to design my own day | 我想要自由灵活地设计自己的一天 |
| 295 | or to be able to go part-time at work | 或能够兼职工作 |
| 296 | so that I could pursue other interests | 这样我就可以追求其他利益 |
| 297 | on a more full-time basis. | 更全职。 |
| 298 | Or even if I wanted to do something as simple as get a dog | 即使我想做点简单的事 |
| 299 | or move out of my apartment, | 或者搬出我的公寓, |
| 300 | all of those things cost money. | 所有那些东西都要花钱 |
| 301 | And if all of your money is caught up in places like debt | 如果你所有的钱都困在债务之类的地方 |
| 302 | or spending it on things that you don't actually care about, | 或者花在那些你并不关心的事情上 |
| 303 | then it really limits your ability | 那真的会限制你的能力 |
| 304 | to do the things you wanna do | 来做你想做的事 |
| 305 | and design the life that you want to live. | 设计你想要的生活。 |
| 306 | And very slowly and surely over time, | 慢慢的 肯定的 随着时间的推移 |
| 307 | I was able to pay off my debt | 我得以还清债务 |
| 308 | and also build up a savings and a safety net | 建立储蓄和安全网 |
| 309 | so that I could go part-time at work. | 这样我就可以兼职工作了 |
| 310 | And I could take risks like pursuing YouTube | 我可以冒险去追求YouTube |
| 311 | and content creation on a more full-time basis. | 和内容在更全时的基础上创建. |
| 312 | If you can zoom out and look at the bigger picture | 如果你可以放大,看看大局 |
| 313 | and really think about your why, | 好好想想你为什么 |
| 314 | you're gonna be that much more motivated to save that money | 你会有那么多的动力去省钱 |
| 315 | so that you can spend your life | 让你度过一生 |
| 316 | and your time exactly the way you want to. | 和你的时间 正是你想要的方式。 |
| 317 | But the other thing that this money can buy you | 但还有一样钱可以买给你 |
| 318 | is safety and security. | 是安全保障。 |
| 319 | I think everybody needs an FU fund | 我觉得每个人都需要一个FU基金 |
| 320 | because yes, you can use it to take risks, | 因为是的 你可以用它冒险 |
| 321 | but you can also use it to take yourself out | 但你也可以用它去自杀 |
| 322 | of a situation you no longer want to be in, | 你不再想陷入这样的境地 |
| 323 | whether it be a toxic job or even a toxic relationship. | 无论是有毒的工作,甚至是有毒的关系。 |
| 324 | There's a saying in personal finance, | 个人财务有句谚语 |
| 325 | if it can go wrong, it will. | 如果它会出错,它会。 |
| 326 | So you need to be ready for that. | 所以,你需要做好准备。 |
| 327 | And let me tell you, | 让我告诉你, |
| 328 | when I was in the depths of my girl math, treat yourself era, | 当我在深 我的女朋友数学, 对待自己时代, |
| 329 | I remember vividly going out to the mall | 我记得去商场时很生动 |
| 330 | because that's how I spent my time | 因为我就是这样度过的 |
| 331 | and my income at the time, forget about saving, | 以及我当时的收入, 忘了储蓄, |
| 332 | but I dropped $500 going shopping that day. | 那天去购物时我掉了500块 |
| 333 | And then I scratched my car like severely, severely. | 然后,我刮我的车 像严重,严重。 |
| 334 | And I was in a total panic | 我当时非常恐慌 |
| 335 | because I had no idea how I was gonna pay to fix it. | 因为我不知道我该怎么付钱来修复它 |
| 336 | But on the flip side to that, | 但另一方面, |
| 337 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}没有问题 {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}我扔了500块 | |
| 338 | that I didn't really have on clothes | 我真的没有穿衣服 |
| 339 | that I also didn't need to impress people | 我也不需要打动别人 |
| 340 | that I didn't know and or didn't really like. | 我不知道 或不喜欢。 |
| 341 | And I know that scenario is minor | 我知道这个情节很轻微 |
| 342 | when it comes to something like a layoff | 当它涉及到 像裁员 |
| 343 | or an emergency situation. | 或紧急情况。 |
| 344 | But at the end of the day, | 但到头来, |
| 345 | if you have money set aside for big emergencies | 如果你有资金 预留用于重大紧急情况 |
| 346 | and even minor inconveniences, | 和轻微的不便, |
| 347 | it really does buy you peace of mind. | 它真的能给你带来平静 |
| 348 | Because on top of all the other stress | 因为除了其他压力之外 |
| 349 | you're already going through, | 你已经经历, |
| 350 | you don't wanna add money to the worry pile on top of that. | 你不会想把钱加在 担心的堆堆之上。 |
| 351 | This next reason, | 下一个原因 |
| 352 | I think that we can all take to heart a little bit more | 我想我们可以多一点心思 |
| 353 | and it's when you feel like you have enough, | 当你觉得你有足够的, |
| 354 | you stop wanting more all the time. | 你不再想要更多的时间。 |
| 355 | You're simply just grateful and content with what you have. | 你只是感激和满足 你所拥有的。 |
| 356 | And I truly believe that I think the richest | 我真的相信,我认为最富有的 |
| 357 | and most content and calmest people | 和最满意和最冷静的人 |
| 358 | are the ones who are grateful for what they already have, | 他们是感谢已获得的, |
| 359 | regardless of income. | 不论收入多少。 |
| 360 | And it doesn't mean that these people | 这并不意味着这些人 |
| 361 | don't have or own nice things, | 不拥有或拥有好的东西, |
| 362 | but it fully doesn't consume their thoughts, | 但它不完全消耗 他们的思想, |
| 363 | their time or their wealth. | 他们的时间或财富。 |
| 364 | And when you're truly content with what you have | 当你真正满足于你所拥有的 |
| 365 | and you kind of stop wanting for more all the time, | 你不再渴望更多时间, |
| 366 | I think that's when you can divert your money | 我想你可以把钱分给别人 |
| 367 | to spend it on other things that you truly value, | 把它花在 你真正珍视的其他事物上, |
| 368 | like experiences, like spending time with friends and family, | 像经验, 像花时间与朋友和家人, |
| 369 | like building your dream life. | 就像建立你的梦想生活。 |
| 370 | I think there's a great quote that sort of sums this up | 我觉得有一句好话 说得有点夸张 |
| 371 | from the author of The Psychology of Money, Morgan Housel. | 来自"钱的心理学"作者摩根·豪斯尔. |
| 372 | He says that wealth is not always what you want, | 他说财富不是你想要的 |
| 373 | it's what you have. | 这是你拥有的。 |
| 374 | And I think it's a great reminder, | 我认为这是一个伟大的提醒, |
| 375 | especially when you're feeling spendy | 特别是当你觉得浪费 |
| 376 | for kind of the wrong reasons. | 原因不对 |
| 377 | And this one I think flies under the radar a little bit, | 我想这个在雷达下飞了一下 |
| 378 | but once you start doing it, | 但一旦你开始这样做, |
| 379 | I feel like there is no other way to spend money. | 我觉得没有别的办法可以花钱 |
| 380 | But when you stop spending your money | 但当你停止花钱时 |
| 381 | with other people in mind is when you can start spending it | 其他人的心思是 当你可以开始花它 |
| 382 | in actual alignment with your values. | 与您的数值相对应。 |
| 383 | This is where it becomes a lot easier | 这里变得容易多了 |
| 384 | to spend on things like hobbies | 花在喜欢的东西上 |
| 385 | and things you enjoy guilt-free. | 以及你们所享受的,是无罪的。 |
| 386 | And I think it's also how you just live within | 我想这也是你如何在其中生活 |
| 387 | or even below your means without feeling dissatisfied from it. | 或甚至低于你的财力 而不感到不满。 |
| 388 | And when you do choose to spend money, | 当你选择花钱的时候 |
| 389 | when it's in alignment with your values, | 当它符合你的价值观, |
| 390 | that's when I feel like you also become | 那时我觉得你也是 |
| 391 | a lot more confident in that spending | 更有信心的花费 |
| 392 | and you start to experience buyer's remorse | 你开始体验买家的悔恨 |
| 393 | a lot less frequently. | 更不常见。 |
| 394 | And yes, this way of spending | 是的,这种支出方式 |
| 395 | is a great way to spend on yourself, | 是一个伟大的方式 花在自己身上, |
| 396 | but it can also free up money | 但也可以腾出钱 |
| 397 | so that you can support causes | 这样你就可以支持事业 |
| 398 | and donate to things that you believe in. | 并捐献给你们所信仰的东西。 |
| 399 | When all of your spending is tied to feeling pressure | 当你所有的花费都和压力有关 |
| 400 | from external forces to look or be a certain way, | 从外部力量看 或是一个特定的方式, |
| 401 | it becomes really difficult to spend | 很难花钱 |
| 402 | in alignment with your own values. | 符合自己的价值。 |
| 403 | And I feel like that's when none of that spending | 我觉得这时候,没有花费 |
| 404 | actually feels good. | 实际上感觉很好。 |
| 405 | At the end of the day, | 临终时. |
| 406 | when you're saying yes to a certain type of spending, | 当你对某类支出表示同意时 |
| 407 | you're saying no to something else. | 你在对别的东西说不 |
| 408 | And I think truly when you focus less | 我真心觉得当你不专心的时候 |
| 409 | on what other people are gonna think | 别人会怎么想 |
| 410 | or how you look to others, | 或你对别人的期待, |
| 411 | then you can really start to focus more | 那你就可以开始专心了 |
| 412 | on what you actually care about | 你真正关心的是什么 |
| 413 | and how you're gonna use your money as a tool | 还有你如何用你的钱做工具 |
| 414 | to design the authentic life that you want to live. | 来设计你想过的真实生活 |
| 415 | I think so many people use YOLO, | 我想这么多人使用YOLO, |
| 416 | you only live once, as an excuse to spend that money. | 你只活过一次,作为花钱的借口 |
| 417 | 当然是YOLO | |
| 418 | but don't you wanna use that money | 但是不要用那笔钱 |
| 419 | as a tool to build your authentic dream life? | 作为构建你真实梦想生活的工具? |
| 420 | Maybe not necessarily somebody else's. | 也许不一定是别人的 |
| 421 | So those are 10 reasons why | 所以,这是10个原因 |
| 422 | when you start saving serious money | 当你开始存大钱的时候 |
| 423 | and building real wealth, | 并创造真实的财富, |
| 424 | you might not wanna let others know about it, | 你也许不想让别人知道这件事 |
| 425 | especially in the way that you look. | 尤其是你的样子 |
| 426 | But if you're just getting started | 但如果你刚刚开始 |
| 427 | in building the money habits | 钱的习惯 |
| 428 | to actually get to this place, | 真正到达这个地方, |
| 429 | then you're gonna have to start with a budget. | 那你得从预算开始 |
| 430 | So watch this video next | 接下来看这个视频 |
| 431 | where I show you exactly how to budget | 我教你们怎么预算 |
| 432 | from start to finish, | 从开始到完成, |
| 433 | so you can start taking control of your money | 这样你就可以开始控制你的钱了 |
| 434 | instead of wondering where it all went. | 而不是在想这一切会到哪里去 |
| 435 | Thanks for watching and I'll see you next week, bye. | 谢谢你的观看 下周见 再见 |
该视频共有字幕 435 条。解锁更多字幕为会员功能，请移动到 价格
P3 · 【财富思维】为什么看起来穷很重要 · 低调财富观 p03 无字幕 (P3)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | For over a decade of my life, | 在我生命的十多年里, |
| 0:01 | I spent almost all of my money trying to keep up. | 我花了我几乎所有的钱 试图跟上。 |
| 0:04 | I was buying haul after haul of trendy clothes, | 我买了很多时髦的衣服 |
| 0:07 | posting flat lays on Instagram of my $14 avocado toast, | 在Instagram上贴上我的14美元鳄梨面包 |
| 0:11 | just for my mom to like it. | 只是让我妈妈喜欢它。 |
| 0:12 | And I would easily drop $600 on a pair of shoes | 我一双鞋就掉六百块 |
| 0:15 | that hurt my feet just so I could have the label. | 那伤了我的脚 让我可以有标签。 |
| 0:19 | And I was doing all of this | 我做了这一切 |
| 0:20 | just so I could feel like I had made it. | 只是让我觉得自己做到了 |
| 0:22 | And more importantly, to signal to others that I had. | 更重要的是, 向其他人表示我有。 |
展开字幕全文（432 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | For over a decade of my life, | 在我生命的十多年里, |
| 2 | I spent almost all of my money trying to keep up. | 我花了我几乎所有的钱 试图跟上。 |
| 3 | I was buying haul after haul of trendy clothes, | 我买了很多时髦的衣服 |
| 4 | posting flat lays on Instagram of my $14 avocado toast, | 在Instagram上贴上我的14美元鳄梨面包 |
| 5 | just for my mom to like it. | 只是让我妈妈喜欢它。 |
| 6 | And I would easily drop $600 on a pair of shoes | 我一双鞋就掉六百块 |
| 7 | that hurt my feet just so I could have the label. | 那伤了我的脚 让我可以有标签。 |
| 8 | And I was doing all of this | 我做了这一切 |
| 9 | just so I could feel like I had made it. | 只是让我觉得自己做到了 |
| 10 | And more importantly, to signal to others that I had. | 更重要的是, 向其他人表示我有。 |
| 11 | But in the background, I was completely broke | 但从背景来看 我完全破产了 |
| 12 | and in six figures of debt. | 和6个债务数字。 |
| 13 | But as soon as I stopped all the BS | 但只要我停止所有的BS |
| 14 | was when I started to save serious money | 那时我开始存大钱 |
| 15 | and build the rich girl life I had always dreamed of living. | 和建立富家女的生活 我一直梦想生活。 |
| 16 | So in this video, I'm gonna break down all the reasons why | 因此,在这个视频中,我将解析所有原因 |
| 17 | when you start making and saving serious money, | 当你开始赚钱和储蓄, |
| 18 | the best possible thing you can do | 最好的办法 |
| 19 | is to stay quiet about it and to avoid looking the part. | 保持安静 避免寻找角色 |
| 20 | Starting with reason number one, | 从第一原因开始 |
| 21 | life won't creep up on you. | 生命不会爬到你身上 |
| 22 | There's a term in personal finance that I fell victim to | 个人财务有个术语 我成了受害者 |
| 23 | as I was spending all of my disposable income | 因为我花光了所有可支配收入 |
| 24 | costplaying rich and that is lifestyle creep. | 赌博富有,这就是生活方式的变态。 |
| 25 | Lifestyle creep essentially happens | 生活方式的变态 基本上发生 |
| 26 | when you increase your lifestyle alongside your income. | 当你增加你的生活方式 与你的收入。 |
| 27 | So as you make more money, | 所以,当你赚更多的钱, |
| 28 | that's when you start feeling like you need to | 当你开始感觉你需要 |
| 29 | upgrade your apartment or your car or buy better clothes. | 或购买更好的衣服。 |
| 30 | But I can tell you from firsthand experience | 但我能从第一手经验中告诉你 |
| 31 | that it is the fastest way of staying stuck with your money. | 这是用你的钱保持最快的方式 |
| 32 | And more people fall victim to this than you might think. | 而更多的人成为这个的受害者 比你想的。 |
| 33 | It's actually how a lot of people who make decent money | 其实是很多赚钱的人 |
| 34 | end up living paycheck to paycheck | 最终靠活工资维持生计 |
| 35 | because they're spending all of their money | 因为他们把钱都花光了 |
| 36 | maintaining their lifestyle | 维持他们的生活方式 |
| 37 | rather than being able to save and invest. | 而不是能够节省和投资。 |
| 38 | And the sort of insidious and hard part about it too | 和那种阴险和难的部分 |
| 39 | is that it's really hard to tell | 很难说 |
| 40 | when people are living this way | 当人们这样生活的时候 |
| 41 | because a lot of people subsidize their lifestyles | 因为很多人补贴他们的生活方式 |
| 42 | using things like credit cards and debt. | 使用诸如信用卡和债务之类的东西。 |
| 43 | So you may look like you're doing really well | 所以,你可能看起来像 你做得很好 |
| 44 | from the outside, but behind the scenes, | 从外面,但幕后, |
| 45 | you could be struggling and living paycheck to paycheck. | 你可能为了薪水而苦苦挣扎和活活 |
| 46 | This definitely happened to me | 这绝对发生在我身上 |
| 47 | when I first graduated university | 当我刚从大学毕业的时候 |
| 48 | and started working in my career. | 并开始在我的职业生涯中工作。 |
| 49 | Even though I graduated school | 虽然我毕业了 |
| 50 | with over $120,000 in student loans, | 有超过120 000美元的学生贷款, |
| 51 | I immediately moved to a big city out on my own | 我马上独自搬到一个大城市 |
| 52 | because I was sick of living with roommates | 因为我厌倦了和室友住在一起 |
| 53 | and I was spending all of my big girl money buying clothes | 我花了我所有大姑娘的钱买衣服 |
| 54 | so that I could look like I matched my income. | 那样我就可以看起来像我的收入。 |
| 55 | If I could do it all over again, | 如果我能再来一次 |
| 56 | at least for a little while, | 至少有一阵子 |
| 57 | I would try to live as cheaply as I could | 我会尽量低廉地生活 |
| 58 | so that I could put a lot of my money | 这样我就可以把很多钱 |
| 59 | to aggressively pay off my debt. | 来偿还我的债务 |
| 60 | Because at the end of the day, | 因为最后 |
| 61 | even though I was making good money, | 虽然我赚了很多钱 |
| 62 | it ended up being my debt and my lifestyle spending habits | 结果是我的债务和生活方式 消费习惯 |
| 63 | that was keeping me stuck. | 那让我困住了。 |
| 64 | But from the outside looking in, | 但从外面看, |
| 65 | you'd think I'd have my shit together. | 你以为我会得到我的狗屎在一起。 |
| 66 | So if you're watching this | 如果你在看这个 |
| 67 | and you're just starting your career | 你刚刚开始你的事业 |
| 68 | or you're expecting a bonus or a raise, | 或期待奖金或加薪, |
| 69 | it's going to feel very tempting to spend that money | 花那些钱会很诱人 |
| 70 | on things like lifestyle or buying a new car | 在生活方式或买新车上 |
| 71 | or making some kind of upgrade to your life. | 或者让你的生活得到提升 |
| 72 | And you know what? | 你知道吗? |
| 73 | Honestly, I don't think that's fully a bad thing. | 老实说,我不认为这是完全坏的事情。 |
| 74 | I think you should upgrade your lifestyle | 我想你应该提高你的生活方式 |
| 75 | as you make more money. | 当你赚到更多的钱。 |
| 76 | But the key here is to do it slowly. | 但关键是慢慢来。 |
| 77 | If you end up doing it too quickly, | 如果你最终做得太快, |
| 78 | that's when you find yourself locked into a lifestyle | 当你发现自己陷入了一种生活方式 |
| 79 | that you might not be able to afford. | 你可能负担不起。 |
| 80 | And then you're going to feel in the same place financially | 然后,你会感觉 在同一个地方 在经济上 |
| 81 | as you were before when you were making less money. | 就像你以前挣的钱少的时候一样 |
| 82 | If you care just a little bit less about looking the part | 如果你更不关心看角色 |
| 83 | and more about prioritizing your savings, | 更多关于优先 你的储蓄, |
| 84 | your financial future, investing and building wealth, | 您的金融未来, 投资和建设财富, |
| 85 | then the pressure to level up into a lifestyle | 然后压力升至一种生活方式 |
| 86 | you might not be able to afford yet | 你可能还买不起 |
| 87 | is going to be a lot less. | 将会少很多。 |
| 88 | And you're going to have so much more money in your pocket | 你口袋里还有这么多钱 |
| 89 | because of it. | 因为它。 |
| 90 | And here's the next problem. | 接下来的问题是 |
| 91 | Once you've upgraded your lifestyle, | 一旦你提升了你的生活方式 |
| 92 | it is really hard to downgrade once you've done it. | 完成后很难降级 |
| 93 | So if you're used to doing things like living alone, | 所以,如果你习惯做一些事情 像独居, |
| 94 | it's going to feel really uncomfortable to move in | 搬进来会很不舒服的 |
| 95 | with roommates or your parents again to save money. | 和室友或你的父母一起 来节省钱。 |
| 96 | Or if you're trying to shop less, | 或者你想少买一点 |
| 97 | it might feel uncomfortable to choose to wear some old clothes | 选穿旧衣服可能不舒服 |
| 98 | instead of buying something new for that next event. | 而不是为下个活动买新东西 |
| 99 | It's going to feel like a downgrade and it's going to hurt. | 将感降级而痛. |
| 100 | And that's because even though downgrading your lifestyle | 这是因为,即使降低你的生活方式 |
| 101 | might be a logical financial decision, | 可能是一个合乎逻辑的财务决定, |
| 102 | especially if you're feeling financial pressure | 特别是如果你感到财政压力 |
| 103 | from lifestyle inflation, | 从生活方式通货膨胀, |
| 104 | emotionally, it's really hard to actually do. | 感情上,真的很难做到 |
| 105 | And let me tell you, I learned this the hard way. | 让我告诉你, 我学到了这个艰难的方法。 |
| 106 | When I committed to paying off my debt, | 当我承诺还债时 |
| 107 | I realized that I was living way above my means, | 我意识到,我的生活 比我的经济, |
| 108 | which meant that I had to start cutting out of my lifestyle. | 这意味着我不得不开始 切断我的生活方式。 |
| 109 | I stopped shopping completely. | 我完全停止购物。 |
| 110 | I stopped going on any and all vacations. | 我不再去度假了 |
| 111 | I stopped eating takeout for a while. | 我暂时不吃外卖了 |
| 112 | I basically cut out all the conveniences and luxuries | 基本上我剪掉了所有的便利和奢侈品 |
| 113 | from my life in order to put more money down on my debt. | 为了把更多的钱放在我身上 |
| 114 | And you know what? | 你知道吗? |
| 115 | It sucked. | 烂透了 |
| 116 | It was uncomfortable. | 感觉很不舒服 |
| 117 | It was embarrassing. | 太尴尬了 |
| 118 | And I even felt like I was going through | 我甚至感觉自己正在经历 |
| 119 | a bit of a withdrawal period because yeah, I kind of was. | 有点退出期,因为我有点。 |
| 120 | I was so used to spending in this certain way for so long | 我习惯用这种方式花这么久 |
| 121 | that it was really difficult to reverse course from that. | 很难从中逆转 |
| 122 | So if you do have a longterm goal of saving serious money | 所以,如果你有一个长期的目标 储蓄认真的钱 |
| 123 | or you're just starting right now, | 或者你刚刚开始 |
| 124 | it's always better to maintain | 总是更好的维持 |
| 125 | your current standard of living | 您的当前生活水平 |
| 126 | rather than upgrading to a place | 而不是升级到一个地方 |
| 127 | where you might be struggling to afford to maintain it. | 在那里你可能很难负担维持它。 |
| 128 | This doesn't necessarily mean | 这不一定意味着 |
| 129 | that you can't spend money on nice things, | 你不能把钱花在好东西上 |
| 130 | but when you choose to do that, | 但当你选择这样做, |
| 131 | you have to make sure that you can afford it | 你必须保证你能负担得起 |
| 132 | in the first place and that you have enough | 首先,你有足够的 |
| 133 | so that you don't have to move backwards. | 以免你向后移动。 |
| 134 | And that's where a lot of people can find themselves stuck. | 很多人会发现自己被困在那里 |
| 135 | We often make our decisions based on emotions | 我们经常根据情绪来决定 |
| 136 | and what other people might think. | 还有别人会怎么想 |
| 137 | And then we kind of forget about doing the math. | 然后我们忘了做数学。 |
| 138 | Number three is you let go of the pressure | 第三,你放开压力 |
| 139 | to upgrade everything. | 以提升一切。 |
| 140 | Have you ever bought a really nice dress and thought, | 你有没有买过一件漂亮的衣服,想着 |
| 141 | oh, I love this, but now I need a pair of shoes | 哦,我喜欢这个,但现在我需要一双鞋 |
| 142 | to go with it. | 随它去。 |
| 143 | And now my purse doesn't go. | 现在,我的钱包不走。 |
| 144 | And now I need to get some accessories | 现在我需要一些配件 |
| 145 | and a new jacket to go with this. | 还要换件新外套 |
| 146 | And before you know it, | 在你意识到之前 |
| 147 | you've bought an entire new wardrobe | 你买了一个全新的衣柜 |
| 148 | just to go with this one item. | 就为了这个 |
| 149 | Let me tell you, you're actually not crazy | 我告诉你,你其实不是疯了 |
| 150 | in having thought that or even having done it | 曾经这样想,甚至做过 |
| 151 | because it's an actual phenomenon called the Diderot effect. | 因为它是一个叫做迪德洛特效应的实际现象. |
| 152 | So your boy Diderot was a guy from the 17th century | 所以,你的儿子迪德洛特是一个男人 从17世纪 |
| 153 | who was broke. | 谁破产了。 |
| 154 | He came into some money and with that money, | 他拿了些钱 带着那些钱 |
| 155 | he bought himself a beautiful robe. | 他买了件漂亮的长袍 |
| 156 | This thing was gorgeous, but all of a sudden, | 这东西很漂亮 但突然间 |
| 157 | the rest of his stuff looked like shit. | 他剩下的东西看起来像狗屎。 |
| 158 | So he needed to upgrade to get a new rug, | 所以他需要升级 以获得新的地毯, |
| 159 | he got a new chair, he got art, he got sculptures. | 他有新的椅子,他有艺术,他有雕塑。 |
| 160 | And before you know it, Diderot was broke again. | 在你知道之前,迪德洛又破产了 |
| 161 | He did have a bunch of nice things, | 他确实有很多好东西, |
| 162 | but also he had no money. | 但他没有钱 |
| 163 | And this becomes another money trap | 这成了另一个金钱陷阱 |
| 164 | if you try to keep up appearances, | 如果你试图保持外表, |
| 165 | because buying one new purchase often leads to a spiral | 因为买一个新货 往往导致螺旋 |
| 166 | of consuming more to match it. | 消费更多来匹配它。 |
| 167 | I think at one time or another, we have all done this | 我想在某个时候 我们都这样做了 |
| 168 | and I wouldn't say it's anything to be ashamed about either | 我也不觉得羞愧 |
| 169 | because as humans, we do have a natural tendency | 因为作为人类,我们有自然的倾向 |
| 170 | to want to consume more rather than less. | 想要消费更多而不是更少。 |
| 171 | We're hunter gatherers, it's like in our DNA. | 我们是猎人采集者 就像我们的DNA一样 |
| 172 | And the way I think that you can really counteract this | 我认为你能够 真正反击这一点 |
| 173 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}就是专心填满你的生活 | |
| 174 | with not necessarily more things, but with the right things. | 与不一定更多的东西, 但与正确的东西。 |
| 175 | Focus on buying things that you actually care about | 专注于购买你真正关心的东西 |
| 176 | and that you actually use. | 而且你实际上使用。 |
| 177 | But what about the times when you do find yourself | 但是当你找到自己的时候 |
| 178 | either needing to or actually wanting to upgrade something? | 需要升级还是想升级? |
| 179 | This is when you can be a bit more strategic | 这时,你可以 有点更具战略性 |
| 180 | with your purchase and buy something that goes well | 买好东西 |
| 181 | and works well with what you already have. | 并用你已有的善功, |
| 182 | So for example, if you do wanna buy something new | 举例来说,如果你想买新东西 |
| 183 | for your wardrobe, then make sure it mixes and matches | 你的衣服,然后确保它混合和匹配 |
| 184 | with the clothes you already have. | 和已经拥有的衣服。 |
| 185 | I think if you set constraints around your upgrades, | 我认为如果你在升级时设置限制 |
| 186 | then you stop feeling the pressure | 然后你就不再感受到压力 |
| 187 | to keep buying more all the time. | 继续买更多时间。 |
| 188 | And when you do upgrade, it's going to be a more strategic | 当你升级时,它将是一个更具战略性的 |
| 189 | and intentional purchase. | 和故意购买。 |
| 190 | I think it really helps you build some defenses | 我认为这是真的帮助你 建立一些防御 |
| 191 | against what other people and what algorithms | 以别的民众和算法盟誓, |
| 192 | are pressuring you to buy. | 逼你买东西 |
| 193 | And you can feel more content and confident | 你可以感到更多 满足和自信 |
| 194 | in what you already have. | 在你已经拥有的。 |
| 195 | Plus you just end up keeping a whole lot more money | 而且你最后还多留了些钱 |
| 196 | in your pocket. | 在你的口袋内。 |
| 197 | Reason number four is that staying quiet | 第四个原因是保持安静 |
| 198 | just keeps it simple. | 简单点 |
| 199 | When you're not constantly upgrading, chasing trends, | 当你没有不断升级, 追逐趋势, |
| 200 | trying to keep up with the Kardashians or the Joneses | 试图跟上卡达什人或琼斯人 |
| 201 | 或在Instagram上的人, | |
| 202 | you're naturally uninviting more clutter into your life. | 你自然会邀请更多的人 进入你的生活。 |
| 203 | Because at the end of the day, things like clutter | 因为最后,事情像杂乱无章 |
| 204 | end up costing you more than just your money. | 最终你付出的不只是你的钱 |
| 205 | It eats up time, energy, maintenance. | 它消耗了时间,能量,维护。 |
| 206 | Keeping things simple is always easier and cheaper. | 保持简单总是容易和便宜的。 |
| 207 | And the great thing about quitting the upgrade rat race | 和伟大的事情 退出升级老鼠比赛 |
| 208 | is that once you stop letting your lifestyle creep up | 一旦你不再让你的生活方式浮现 |
| 209 | on you like that, then you can start using your money | 这样你就可以用你的钱了 |
| 210 | as a tool to design the life that you want to live. | 作为设计你想要生活的工具. |
| 211 | Instead of always just using it as a way | 而不是总是把它当作一种方法 |
| 212 | to measure yourself against other people | 来衡量自己对别人的打击 |
| 213 | and now strangers online. | 和现在的陌生人在线。 |
| 214 | Because don't forget that money can be used | 因为别忘了钱可以用 |
| 215 | to buy things other than stuff. | 买东西以外的东西。 |
| 216 | You can use it to shape your day, | 你可以用它塑造你的一天, |
| 217 | you can use it to reduce your stress, | 你可以用它来减轻压力, |
| 218 | and you can use it to create options for yourself. | 你可以用它为自己创造选择。 |
| 219 | Like when I first started making more money, | 就像我刚开始赚钱的时候 |
| 220 | yeah, I bought nice things. | 是的,我买了好东西。 |
| 221 | And nice things are nice. | 美好的事物是不错的。 |
| 222 | But I realized quickly that I could also use that money | 但我很快意识到 我也可以用那笔钱 |
| 223 | to buy things like time. | 买东西像时间。 |
| 224 | For example, editing one YouTube video | 例如,编辑一个YouTube视频 |
| 225 | can easily take me up to 40 hours. | 可以轻松带我40小时。 |
| 226 | But if I was able to hire an editor, | 但如果我能雇个编辑 |
| 227 | that would offload a ton of time for me | 那会让我失去很多时间 |
| 228 | to either spend more time making more videos, | 要么花更多的时间 制作更多的视频, |
| 229 | which would in turn make me more money, | 这反过来又能让我赚更多的钱 |
| 230 | or just allow me to spend more time with friends and family | 或者让我多和朋友和家人相处 |
| 231 | or doing other hobbies that I enjoy like going to the gym. | 或者做我喜欢的其他爱好 比如去健身房 |
| 232 | You can also use your money as a tool to secure your future. | 你也可以用你的钱来保障你的未来 |
| 233 | If you do choose to save and invest your money, | 如果你真的选择存钱投资 |
| 234 | then you're buying security for your future self. | 那你就为未来的自己买保险 |
| 235 | I like to look at it this way. | 我喜欢这样看 |
| 236 | One way of spending costs you your time | 花你时间的一种方式 |
| 237 | while the other buys it back. | 另一边又买回来 |
| 238 | The next reason you might wanna avoid things | 下一个原因,你可能想要避免的事情 |
| 239 | like lifestyle inflation and flaunting your wealth | 像生活方式膨胀 炫耀你的财富 |
| 240 | is because after a while, it kind of stops working. | 因为过了一段时间,它就停止了工作 |
| 241 | Because I think we're all naturally wired to think | 因为我认为我们都是自然而然的 思考 |
| 242 | that once we achieve a certain milestone | 一旦我们达到某个里程碑 |
| 243 | or vision of success, then we'll be happy. | 或对成功的设想, 然后我们就会快乐。 |
| 244 | Whether it's things like finally getting that promotion, | 不管是最后升职的事 |
| 245 | paying off debt, or even finally getting visible abs. | 偿还债务,甚至最终变得明显腹肌。 |
| 246 | But once you finally get there and reach your goal, | 但一旦你终于到达并达到你的目标, |
| 247 | it kind of feels surprisingly empty. | 感觉很空虚 |
| 248 | And that's because research shows | 因为研究显示 |
| 249 | that even our biggest successes | 即使我们最大的成功 |
| 250 | quickly become our new baseline. | 迅速成为我们的新基准。 |
| 251 | So this tendency to basically return | 所以这种回归的倾向 |
| 252 | to your level of baseline and normal | 到基线水平和正常水平 |
| 253 | is called the hedonic treadmill. | 叫做狂飙跑步车 |
| 254 | So when it comes to spending all your money on stuff | 所以,当它涉及到 花你所有的钱的东西 |
| 255 | and lifestyle, you're basically spending to nowhere. | 和生活方式,你基本上 花在任何地方。 |
| 256 | Everything you do buy, yes, makes you happy | 所有你买的东西,是的,让你快乐 |
| 257 | for like a split second for a moment. | 就像一分两秒 一瞬间 |
| 258 | But eventually that romance wears off | 但最终浪漫会消退 |
| 259 | and you'll find yourself needing to buy something again | 你会发现自己需要再买点东西 |
| 260 | and again just to get that feeling. | 并再次得到那种感觉。 |
| 261 | But before you say anything, I am not saying | 但是在你说话之前,我不是说 |
| 262 | that money can't buy happiness because yes, | 钱买不到幸福 因为是的 |
| 263 | it absolutely can and anyone who says otherwise | 它绝对可以,任何人 谁说不 |
| 264 | is bullshitting you. | 你在胡说八道 |
| 265 | Having even a little bit of financial security | 有一点财政保障 |
| 266 | buys you safety, it buys you stability, | 买你安全,它买你稳定, |
| 267 | it buys you time, opportunity, flexibility, | 它为你赢得了时间,机会,灵活性, |
| 268 | healthcare, and yes, even fun. | 医疗,是的,甚至有趣。 |
| 269 | But I think the point here is the problem comes | 但我认为问题在于 |
| 270 | when you try to buy that happiness in the wrong places | 当你试图买 在错误的地方的幸福 |
| 271 | and in the wrong things. | 和错误的东西。 |
| 272 | At the end of the day, all that junk you tried to buy | 最终,所有的垃圾 你试图购买 |
| 273 | to feel something used to be money. | 感觉一些曾经是钱的东西。 |
| 274 | So when you stop buying things to flaunt | 所以当你不再买东西来炫耀 |
| 275 | and in the name of lifestyle, | 以生活方式的名义 |
| 276 | then I think that's when you can better use your money | 那时候你就可以用你的钱了 |
| 277 | to actually buy the things that are gonna make you | 真正买的东西 会让你 |
| 278 | truly happy and that are in alignment with your goals, | 和你们的目标一致, |
| 279 | the lifestyle you want and your values. | 你想要的生活方式和你的价值观 |
| 280 | The lifestyle that you want authentically for you, | 你真正想要的生活方式, |
| 281 | not based on what it looks like to other people. | 而不是基于它看起来像其他人。 |
| 282 | The next reason I think you should stop trying | 下一个原因,我认为你应该停止尝试 |
| 283 | to buy your status to show off to other people | 买你的地位 向别人炫耀 |
| 284 | is you can use that money to build a F you fund. | 你可以用那笔钱来建立你的基金 |
| 285 | Yes, I love a good F you fund. | 是的,我喜欢一个很好的F你资助。 |
| 286 | At the end of the day, money buys you two things, | 最终,钱给你买了两件东西 |
| 287 | freedom and flexibility. | 自由和灵活性。 |
| 288 | When I was getting honest about things like my debt | 当我开始诚实地对待我的债务 |
| 289 | and my overconsumption, the first thing I thought about | 和我的过度消费, 第一件事,我想 |
| 290 | was why I wanted to get out of debt | 所以我想摆脱债务 |
| 291 | and if I was really honest with myself, | 如果我真的对自己诚实 |
| 292 | it wasn't necessarily so I could go out | 不一定是为了让我能出去 |
| 293 | and buy more things. | 并买更多的东西。 |
| 294 | I wanted to free up that money and start building my wealth | 我想腾出那笔钱 开始建立我的财富 |
| 295 | so that I could live my life the way I wanted to. | 这样我就能过上我想要的生活 |
| 296 | I wanted the freedom and flexibility to design my own day | 我想要自由灵活地设计自己的一天 |
| 297 | or to be able to go part-time at work | 或能够兼职工作 |
| 298 | so that I could pursue other interests | 这样我就可以追求其他利益 |
| 299 | on a more full-time basis. | 更全职。 |
| 300 | Or even if I wanted to do something as simple as get a dog | 即使我想做点简单的事 |
| 301 | or move out of my apartment, | 或者搬出我的公寓, |
| 302 | all of those things cost money. | 所有那些东西都要花钱 |
| 303 | And if all of your money is caught up in places like debt | 如果你所有的钱都困在债务之类的地方 |
| 304 | or spending it on things that you don't actually care about, | 或者花在那些你并不关心的事情上 |
| 305 | then it really limits your ability to do the things | 那真的限制了你做事的能力 |
| 306 | you wanna do and design the life that you want to live. | 你想做和设计 你想要的生活。 |
| 307 | And very slowly and surely over time, | 慢慢的 肯定的 随着时间的推移 |
| 308 | I was able to pay off my debt and also build up a savings | 我还清了债务,还积累了储蓄 |
| 309 | and a safety net so that I could go part-time at work | 和一个安全网 这样我就可以兼职工作 |
| 310 | and I could take risks like pursuing YouTube | 我可以冒险,比如追求YouTube |
| 311 | and content creation on a more full-time basis. | 和内容在更全时的基础上创建. |
| 312 | If you can zoom out and look at the bigger picture | 如果你可以放大,看看大局 |
| 313 | and really think about your why, | 好好想想你为什么 |
| 314 | you're gonna be that much more motivated to save that money | 你会有那么多的动力去省钱 |
| 315 | so that you can spend your life and your time | 这样你就可以度过你的生命和时间 |
| 316 | exactly the way you want to. | 和你想的那样 |
| 317 | But the other thing that this money can buy you | 但还有一样钱可以买给你 |
| 318 | is safety and security. | 是安全保障。 |
| 319 | I think everybody needs an FU fund | 我觉得每个人都需要一个FU基金 |
| 320 | because yes, you can use it to take risks, | 因为是的 你可以用它冒险 |
| 321 | but you can also use it to take yourself out | 但你也可以用它去自杀 |
| 322 | of a situation you no longer want to be in, | 你不再想陷入这样的境地 |
| 323 | whether it be a toxic job or even a toxic relationship. | 无论是有毒的工作,甚至是有毒的关系。 |
| 324 | There's a saying in personal finance, | 个人财务有句谚语 |
| 325 | if it can go wrong, it will, | 如果它会出错,它会 |
| 326 | so you need to be ready for that. | 所以你得准备好 |
| 327 | And let me tell you, | 让我告诉你, |
| 328 | when I was in the depths of my girl math, | 当我在深 我的女朋友数学, |
| 329 | treat yourself era, | 对待自己时代, |
| 330 | I remember vividly going out to the mall | 我记得去商场时很生动 |
| 331 | because that's how I spent my time | 因为我就是这样度过的 |
| 332 | and my income at the time, forget about saving, | 以及我当时的收入, 忘了储蓄, |
| 333 | but I dropped $500 going shopping that day | 那天我买东西时掉了500块 |
| 334 | and then I scratched my car like severely, severely. | 然后,我刮我的车 像严重,严重。 |
| 335 | And I was in a total panic | 我当时非常恐慌 |
| 336 | because I had no idea how I was gonna pay to fix it. | 因为我不知道我该怎么付钱来修复它 |
| 337 | But on the flip side to that, | 但另一方面, |
| 338 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}没有问题 {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}我扔了500块 | |
| 339 | that I didn't really have on clothes | 我真的没有穿衣服 |
| 340 | that I also didn't need to impress people | 我也不需要打动别人 |
| 341 | that I didn't know and or didn't really like. | 我不知道 或不喜欢。 |
| 342 | And I know that scenario is minor | 我知道这个情节很轻微 |
| 343 | when it comes to something like a layoff | 当它涉及到 像裁员 |
| 344 | or an emergency situation. | 或紧急情况。 |
| 345 | But at the end of the day, | 但到头来, |
| 346 | if you have money set aside for big emergencies | 如果你有资金 预留用于重大紧急情况 |
| 347 | and even minor inconveniences, | 和轻微的不便, |
| 348 | it really does buy you peace of mind. | 它真的能给你带来平静 |
| 349 | Because on top of all the other stress | 因为除了其他压力之外 |
| 350 | you're already going through, | 你已经经历, |
| 351 | you don't wanna add money to the worry pile on top of that. | 你不会想把钱加在 担心的堆堆之上。 |
| 352 | This next reason, I think that we can all take to heart | 下一个原因,我想我们都能想到 |
| 353 | a little bit more. | 再多一点 |
| 354 | And it's when you feel like you have enough, | 当你觉得你有足够的, |
| 355 | you stop wanting more all the time. | 你不再想要更多的时间。 |
| 356 | You're simply just grateful and content with what you have. | 你只是感激和满足 你所拥有的。 |
| 357 | You know, and I truly believe that I think the richest | 你知道,我真的相信 我认为最富有 |
| 358 | and most content and calmest people | 和最满意和最冷静的人 |
| 359 | are the ones who are grateful for what they already have, | 他们是感谢已获得的, |
| 360 | regardless of income. | 不论收入多少。 |
| 361 | And it doesn't mean that these people | 这并不意味着这些人 |
| 362 | don't have or own nice things, | 不拥有或拥有好的东西, |
| 363 | but it fully doesn't consume their thoughts, | 但它不完全消耗 他们的思想, |
| 364 | their time, or their wealth. | 他们的时代,或他们的财富。 |
| 365 | And when you're truly content with what you have | 当你真正满足于你所拥有的 |
| 366 | and you kind of stop wanting for more all the time, | 你不再渴望更多时间, |
| 367 | I think that's when you can divert your money | 我想你可以把钱分给别人 |
| 368 | to spend it on other things that you truly value, | 把它花在 你真正珍视的其他事物上, |
| 369 | like experiences, like spending time with friends and family, | 像经验, 像花时间与朋友和家人, |
| 370 | like building your dream life. | 就像建立你的梦想生活。 |
| 371 | I think there's a great quote that sort of sums this up | 我觉得有一句好话 说得有点夸张 |
| 372 | from the author of The Psychology of Money, Morgan Housel. | 来自"钱的心理学"作者摩根·豪斯尔. |
| 373 | He says that wealth is not always what you want, | 他说财富不是你想要的 |
| 374 | it's what you have. | 这是你拥有的。 |
| 375 | And I think it's a great reminder, | 我认为这是一个伟大的提醒, |
| 376 | especially when you're feeling spendy | 特别是当你觉得浪费 |
| 377 | for kind of the wrong reasons. | 原因不对 |
| 378 | And this one I think flies under the radar a little bit, | 我想这个在雷达下飞了一下 |
| 379 | but once you start doing it, | 但一旦你开始这样做, |
| 380 | I feel like there is no other way to spend money. | 我觉得没有别的办法可以花钱 |
| 381 | But when you stop spending your money | 但当你停止花钱时 |
| 382 | with other people in mind is when you can start spending it | 其他人的心思是 当你可以开始花它 |
| 383 | in actual alignment with your values. | 与您的数值相对应。 |
| 384 | This is where it becomes a lot easier to spend | 这里变得容易花钱 |
| 385 | on things like hobbies and things you enjoy guilt-free. | 喜欢的东西,喜欢的东西 你享受无愧。 |
| 386 | And I think it's also how you just live within | 我想这也是你如何在其中生活 |
| 387 | or even below your means | 或甚至低于你的能力 |
| 388 | without feeling dissatisfied from it. | 不觉得不满意 |
| 389 | And when you do choose to spend money, | 当你选择花钱的时候 |
| 390 | when it's in alignment with your values, | 当它符合你的价值观, |
| 391 | that's when I feel like you also become a lot more confident | 那时我觉得你更自信了 |
| 392 | in that spending and you start to experience buyer's remorse | 在那个支出中,你开始经历 买家的悔恨 |
| 393 | a lot less frequently. | 更不常见。 |
| 394 | And yes, this way of spending is a great way | 是的,这种支出方式是很好的 |
| 395 | to spend on yourself, but it can also free up money | 花在自己身上,但它也可以腾出钱 |
| 396 | so that you can support causes | 这样你就可以支持事业 |
| 397 | and donate to things that you believe in. | 并捐献给你们所信仰的东西。 |
| 398 | When all of your spending is tied to feeling pressure | 当你所有的花费都和压力有关 |
| 399 | from external forces to look or be a certain way, | 从外部力量看 或是一个特定的方式, |
| 400 | it becomes really difficult to spend in alignment | 很难花在对齐上 |
| 401 | with your own values. | 与你自己的价值观。 |
| 402 | And I feel like that's when none of that spending | 我觉得这时候,没有花费 |
| 403 | actually feels good. | 实际上感觉很好。 |
| 404 | At the end of the day, when you're saying yes | 当你说"是"的时候 |
| 405 | to a certain type of spending, | 某类开支, |
| 406 | you're saying no to something else. | 你在对别的东西说不 |
| 407 | And I think truly when you focus less | 我真心觉得当你不专心的时候 |
| 408 | on what other people are gonna think | 别人会怎么想 |
| 409 | or how you look to others, | 或你对别人的期待, |
| 410 | then you can really start to focus more | 那你就可以开始专心了 |
| 411 | on what you actually care about | 你真正关心的是什么 |
| 412 | and how you're gonna use your money as a tool | 还有你如何用你的钱做工具 |
| 413 | to design the authentic life that you want to live. | 来设计你想过的真实生活 |
| 414 | I think so many people use YOLO, | 我想这么多人使用YOLO, |
| 415 | you only live once, as an excuse to spend that money. | 你只活过一次,作为花钱的借口 |
| 416 | 当然是YOLO | |
| 417 | but don't you wanna use that money as a tool | 但你不想用那笔钱当工具吗? |
| 418 | to build your authentic dream life? | 建立你真正的梦想生活? |
| 419 | Maybe not necessarily somebody else's. | 也许不一定是别人的 |
| 420 | So those are 10 reasons why when you start saving | 所以这是10个原因 当你开始储蓄 |
| 421 | serious money and building real wealth, | 认真的金钱和建立真正的财富, |
| 422 | you might not wanna let others know about it, | 你也许不想让别人知道这件事 |
| 423 | especially in the way that you look. | 尤其是你的样子 |
| 424 | But if you're just getting started | 但如果你刚刚开始 |
| 425 | in building the money habits to actually get to this place, | 建立钱的习惯 真正到达这个地方, |
| 426 | then you're gonna have to start with a budget. | 那你得从预算开始 |
| 427 | So watch this video next where I show you exactly | 所以,看这视频 下一个我展示给你看 |
| 428 | how to budget from start to finish | 如何从头到尾编制预算 |
| 429 | so you can start taking control of your money | 这样你就可以开始控制你的钱了 |
| 430 | instead of wondering where it all went. | 而不是在想这一切会到哪里去 |
| 431 | Thanks for watching and I'll see you next week. | 谢谢你的观看 下周见 |
| 432 | Bye. | 再见。 |
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