提前退休，买房子还是股票？｜美国最值得信赖的理财专家之一

提前退休，买房子还是股票？｜美国最值得信赖的理财专家之一

发布于 2026-09-23 · 时长 1:49:37

字幕摘录

时间	英文	中文
0:00	If you don't get in the game of home ownership	如果你没有在游戏 家所有制
0:02	and you rent in your 20s and you rent in your 30s,	20多岁时租,30多岁时租,
0:05	you're going to turn around in your 40s	你40多岁时就会转身
0:07	and having not built any net worth.	并且没有建立任何净值。
0:09	And in fact, homeowners in America	事实上,美国的房主
0:11	are worth 40 times more than renters.	比租房人还值40倍
0:15	And I'm talking about ordinary Americans.	我说的是普通美国人。
0:17	But that doesn't mean that buying a home	但这并不意味着买房子
0:18	made them rich, right?	让他们发财,对吧?
0:19	It actually does, and I'm going to go through that.	事实上是的,我要去经历。

展开字幕全文（2454 条）

序号	英文	中文
1	If you don't get in the game of home ownership	如果你没有在游戏 家所有制
2	and you rent in your 20s and you rent in your 30s,	20多岁时租,30多岁时租,
3	you're going to turn around in your 40s	你40多岁时就会转身
4	and having not built any net worth.	并且没有建立任何净值。
5	And in fact, homeowners in America	事实上,美国的房主
6	are worth 40 times more than renters.	比租房人还值40倍
7	And I'm talking about ordinary Americans.	我说的是普通美国人。
8	But that doesn't mean that buying a home	但这并不意味着买房子
9	made them rich, right?	让他们发财,对吧?
10	It actually does, and I'm going to go through that.	事实上是的,我要去经历。
11	But am I not better off renting	但我租房不是更好吗?
12	and investing in the stock market?	投资股票市场?
13	I want to bust this myth	我想打破这个神话
14	because I have spent the last 33 years of my life	因为我度过了33年
15	helping millions of people with ordinary incomes	帮助数百万有普通收入的人;
16	become financially free,	成为财政自由,
17	including nine years as a financial advisor	包括担任财务顾问9年
18	at Morgan Stanley, and I got to see firsthand	在摩根斯坦利,我必须亲眼看到
19	how everyone who came into my office	来我办公室的每个人
20	with an ordinary income built wealth.	以普通收入创造财富。
21	And there's a formula to getting rich,	并且有一个公式 致富,
22	but there's also a system	但也有一个系统
23	to how you put your financial life on autopilot	如何让自己的经济生活自动驾驶
24	in less than 10 minutes.	不到10分钟
25	And it doesn't require discipline, budget,	也不需要纪律 预算
26	and you don't have to make a lot of money to get started.	你不必赚很多钱才能开始
27	But unless your financial plan is automatic, it will fail.	但是除非你的财务计划是自动的 否则会失败的
28	But more importantly, I believe the next 10 years	但更重要的是,我相信未来十年
29	will be the greatest opportunity to build wealth	这将是创造财富的最大机会
30	in our lifetime.	在我们的一生中。
31	And yet seven out of 10 people right now	现在十人中有七人
32	are living paycheck to paycheck.	薪水是活的
33	More than 50% of Americans don't have savings,	超过50%的美国人没有储蓄
34	and most people don't know where their money goes.	大多数人不知道他们的钱去了哪里
35	And in fact, when we ask people	事实上,当我们问人们
36	how much money would it take to totally change your life,	要花多少钱才能彻底改变你的生活
37	they say $10,000.	他们说一万元。
38	Now, how much money do you need to spend a day	一天要花多少钱?
39	to blow $10,000 a year?	一年一万块?
40	$27.40 a day.	日薪27.40元(日产).
41	If you invested that a day for 40 years,	如果你投资了40年
42	you'd have over $4,424,000.	你会有超过4,424,000美元。
43	That would be life-changing.	这会改变生命
44	But just before we get into all of the specifics	但就在我们了解所有细节之前
45	and the strategies, do you have any specific advice	和各种策略,你们有什么具体建议吗?
46	to people that are currently straddled with debt?	给目前负债累累的人?
47	Absolutely.	当然
48	There's a very simple formula to getting out of debt	摆脱债务的方法很简单
49	called dole.	叫做救济金。
50	I'd tell you to...	我会告诉你...
51	Listen, my team gave me a script that they asked me to read,	听着,我的团队给了我一个剧本 他们让我读,
52	but I'm just gonna ask you	但我要问你
53	in the nicest way I possibly can.	最好的方式,我可能会。
54	Thank you first and foremost	首先谢谢你
55	for choosing to subscribe to this channel.	用于选择订阅此频道。
56	It's been one of the most incredible crazy years of my life.	这是我一生中最不可思议的疯狂岁月之一.
57	I never could have imagined.	我从来没有想过。
58	I had so many dreams in my life,	我这辈子做了很多梦
59	but this was not one of them.	但这不是其中之一。
60	And the very fact that these conversations	而事实上这些对话
61	have resonated with you	与你共鸣
62	and you've given me so much feedback	你给我这么多反馈
63	is something I will always be appreciative of.	我会永远感激你
64	And I almost carry away a sort of burden	我几乎承担了某种负担
65	of responsibility to pay you back.	有责任还你钱
66	And the favor I would like to ask from you today	今天我想请你帮个忙
67	is to subscribe to the channel,	是订阅频道,
68	if you would be so obliged.	如果你愿意的话
69	It's completely free to do that.	这样做是完全自由的。
70	Roughly about 47% of you	大约47%的人
71	that listen to this channel frequently	经常听这个频道的
72	currently don't subscribe to this channel.	目前不订阅此频道。
73	So if you're one of those people,	所以,如果你是这些人之一,
74	please come and join us, hit the subscribe button.	请来加入我们,点击订阅按钮。
75	It's the single free thing you can do	这是你唯一可以自由做的事情
76	to make this channel better.	让这个频道更好。
77	And every subscriber sort of pays into this show	每位订户都会为这个节目付费
78	and allows us to do things bigger and better	并允许我们做更多更好的事情
79	and to push ourselves even more.	更能推动自己
80	And I will not let you down	我不会让你失望
81	if you hit the subscribe button, I promise you.	如果你按了订阅按钮 我保证
82	And if I do, please do unsubscribe,	如果我这样做,请做不订阅,
83	but I promise I won't.	但我保证不会的
84	Thank you.	谢谢
85	David, what has your mission been	大卫,你的任务是什么?
86	for the last three decades?	过去30年?
87	I have spent the last 30 years of my life	我花了30年的时间
88	helping ordinary people,	帮助普通人,
89	people with ordinary incomes become financially free.	有普通收入的人在经济上是免费的。
90	And the last 20 years,	而过去20年,
91	I've spent helping people become automatic millionaires.	我花了很多时间帮助人们成为自动百万富翁.
92	So I love to teach anyone at any income level,	所以我喜欢在任何收入水平上教任何人
93	minimum wage, living paycheck to paycheck,	最低工资、生活工资和工资;
94	you might be in debt, you might be struggling.	你可能欠债,你可能挣扎。
95	I've taught millions of people	我教过无数的人
96	how they can improve their life financially.	如何在经济上改善他们的生活。
97	That's what I've been dedicated to.	这就是我一直致力于的。
98	And I spent 33 years total	我花了33年的时间
99	in the financial service industry.	在金融服务行业。
100	And is this conversation just for people	这次谈话是针对人们的
101	that are in their 20s?	20多岁?
102	Or is it applicable to everybody at every age?	还是每个年龄的人都适用?
103	It's applicable to everybody at every age	它适用于每个年龄的每个人
104	because whatever your age is,	因为不管你多大年纪
105	look, Stephen, so many people	你看,斯蒂芬,这么多人
106	are living paycheck to paycheck right now.	现在要靠薪水维持生计
107	In this country, what's happening right now	这个国家,现在发生了什么
108	is that seven out of 10 people	10个人中有7个人
109	are being left behind financially.	在财政上被抛弃。
110	Seven out of 10 people right now	现在10个人有7个
111	are living paycheck to paycheck.	薪水是活的
112	When you go into looking at finances in America today,	当你今天看美国金融时
113	half of Americans can't get their hands on $1,000	一半的美国人拿不到一千块
114	in case of emergency purposes.	在紧急情况下。
115	And my biggest fear, why I updated this book	我最大的恐惧,为什么我更新这本书
116	and why I decided to come back out one more time	为什么我决定再出来一次
117	and do another financial literacy campaign,	并开展另一次金融扫盲运动,
118	is I'm afraid people are being left behind.	恐怕有人被抛弃了
119	I think with AI right now,	我想现在与AI,
120	the next 10 years are gonna be the greatest opportunity	接下来的十年将是最大的机会
121	to build wealth in our lifetime.	在我们的一生中创造财富。
122	That's the good news.	这是好消息。
123	The bad news is a lot of people are being left behind.	坏消息是很多人被抛弃了
124	My goal today, next hour, is very simple.	今天,下个小时,我的目标很简单。
125	I wanna give you the system	我想把系统给你
126	on how to become an automatic millionaire	如何成为一个自动百万富翁
127	at any age level, at any income level.	任何年龄,任何收入水平。
128	What I'm gonna teach you is how to put your financial life	我教你们怎么过经济生活
129	on autopilot in less than 10 minutes.	10分钟后自动驾驶
130	Because when your financial life is automatic,	因为当你的经济生活是自动的,
131	your habits work automatically.	您的习惯自动工作。
132	And an automatic financial life doesn't require discipline,	而自动的金融生活 不需要纪律,
133	doesn't require a budget,	不需要预算,
134	and you don't have to make a lot of money to get started.	你不必赚很多钱才能开始
135	Why should people be taking advice from you	为什么人们会接受你的建议
136	on this subject matter?	这个问题?
137	What have you done in those 33 years?	这33年你做了什么?
138	I've been doing this my entire life, right?	我一辈子都在做这个,对吧?
139	So if you go all the way back,	所以如果你一路回来
140	I started investing at the age of seven.	我7岁开始投资。
141	And how that happened is I had a grandmother,	我有一个祖母
142	an amazing grandmother, her name was Grandma Rose.	一个了不起的奶奶, 她的名字是祖母玫瑰。
143	At 30, she made a decision	30岁时,她做了决定
144	that changed the whole destiny of our family.	这改变了我们家族的整个命运
145	And the decision she made was she won't be poor anymore.	她的决定是她不再穷了
146	And at 30, on a very cold day, on her birthday,	30岁的时候,在非常寒冷的一天, 在她的生日,
147	she turned to my grandfather and she said,	她转向我爷爷说,
148	we don't have any money,	我们没有钱
149	we're living paycheck to paycheck,	我们靠薪水维持生计
150	and I don't wanna retire here.	我不想在这里退休
151	I wanna go to California, I wanna be where it's warm.	我想去加州 我想去温暖的地方
152	And my grandfather said,	我爷爷说
153	well, what do you wanna do about it?	你想怎么办?
154	And she's like, we need to change what we're doing	她喜欢,我们需要改变 我们在做什么
155	or nothing will change.	否则什么也不会改变。
156	And so my grandmother started saving 50 cents a week	所以我奶奶开始每周存50美分
157	out of her paycheck.	从她的工资。
158	So 50 cents each,	所以每个50美分
159	cause they were like middle-class people, right?	因为他们就像中产阶级,对吧?
160	Didn't have a college education.	没有受过大学教育
161	My grandfather worked in a plant,	我爷爷在工厂工作
162	my grandmother worked in retail,	我的祖母在零售业工作,
163	but she started saving small amounts of money.	但是她开始存些小钱
164	And over her lifetime, she became an investor	在她一生中,她成为一名投资人
165	and she became a self-made millionaire.	她成为了一个自制的百万富翁。
166	My first book, which you have sitting over here	我的第一本书,你坐在这里
167	was a book called Smart Women Finish Rich.	是一本叫"聪明女人完成富人"的书
168	It was the lessons that my grandmother taught me.	这是我祖母教我的教训。
169	So at seven, my grandmother took me to McDonald's	七点,我奶奶带我去麦当劳
170	and she taught me a lesson that would change my life.	她教了我一个改变我人生的教训
171	She said, David, you're sitting here eating McDonald's	她说,大卫,你坐在这里吃麦当劳
172	and cheeseburgers and your French fries and your milkshake.	还有芝士汉堡 薯条和奶昔
173	She said, I'm gonna teach you today how to be rich for real.	她说,我今天要教你怎么发财
174	You like to play Monopoly?	你喜欢玩独家游戏吗?
175	Here's my lesson today.	我今此课.
176	She said, there's three types of people.	她说,有三种人。
177	Those like you who are here eating right now,	像你这样的人现在在这里吃饭,
178	you're what's called a consumer.	你是所谓的消费者。
179	She said, the people over there who have been working,	她说,那边的人 谁一直在工作,
180	they're called employees	他们叫员工
181	and they've been working for minimum wage.	他们一直在为最低工资工作
182	And that's a very hard way to live.	而此道极难生.
183	She said, at the time they made 85 cents an hour.	她说,当时他们每小时赚85美分.
184	And she said, the third type of person	她说,第三种人
185	is the person who owns this place.	是这里的主人
186	They're called an investor.	他们被称为投资者。
187	And she said, today I'm gonna teach you	她说,今天我要教你
188	how to buy stock in McDonald's.	如何购买麦当劳的股票。
189	So that when you come to McDonald's,	所以当你来到麦当劳,
190	you'll make money from everybody who's here.	你会从所有在这里的人那里赚钱
191	When your friends come to McDonald's,	当你的朋友来到麦当劳,
192	you'll make money from them	你会从他们那里赚钱
193	and you'll be an owner of McDonald's.	你会成为麦当劳的老板
194	And she took me down to a brokerage firm,	她带我去了一家经纪公司
195	helped me buy my first share of stock in McDonald's.	帮我在麦当劳买到第一股股票
196	That moment changed my life	那一刻改变了我的生活
197	because what she made me realize is like,	因为她让我意识到,
198	everything that we do, I'm seven years old,	我们所做的一切, 我7岁,
199	everything that we do,	我们所做的一切
200	there's an opportunity to be an investor and own that.	有机会成为投资者 拥有它。
201	So like at nine years old, I'm at Disney.	所以,像9岁,我在迪士尼。
202	I'm like, hey, Mickey Mouse, are you public?	嘿,米老鼠,你公开吗?
203	So I was like not a normal kid in that way	所以我就不像一个正常的孩子那样
204	because I started investing at a young age.	因为我年轻时就开始投资
205	But then I made a lot of mistakes.	但后来我犯了很多错误。
206	Then I went to college.	后入大学.
207	Then I got myself in credit card debt.	然后我就欠了信用卡债
208	Then I believed all the myths	然后我相信所有的神话
209	that young people often believe.	年轻人常常相信
210	I believed I couldn't really invest a lot	我相信我不能投资很多
211	until I made a lot of money.	直到我赚了很多钱
212	So my early 20s, I was making money,	我20多岁时在赚钱
213	but spending everything.	但花费了一切。
214	So I went from making nothing to making $50,000 a year.	所以我从一无所有到每年5万美元。
215	And I'm still broke.	我还没破产
216	I'm like, well, it's not enough money.	钱不够
217	So I went to $75,000 a year, still broke, spending more.	所以我每年去75,000美元, 仍然破产,花费更多。
218	Then I got to $100,000 a year in income.	然后,我得到每年10万美元的收入。
219	A lot of money, right?	很多钱,对不对?
220	In my 20s, oh my God, I'm rich.	20多岁,哦,我的上帝,我有钱。
221	No, I was still spending more than I was making.	不,我还在花 比我制作的更多。
222	At that point, I was a financial advisor.	那时,我是一个财务顾问。
223	And also-	还有...
224	That was your job.	这是你的工作
225	That was my job.	这是我的工作。
226	I was working at Morgan Stanley,	我在摩根斯坦利工作过
227	helping people plan for retirement,	帮助人们计划退休,
228	teaching retirement seminars.	教授退休研讨会。
229	And I met this ordinary couple	我遇见了这对普通夫妇
230	that came into my office at the age of 52,	他52岁进入我的办公室
231	Jim and Sue McIntyre.	吉姆和苏・麦金泰尔
232	They had an ordinary job.	他们有一个普通的工作。
233	That year, they had made a little over $53,000.	当年,他们赚了53,000多美元。
234	Their average income over their lifetime was $40,000.	他们一生的平均收入为40 000美元。
235	And at 52, Jim put out all the statements	在52岁的时候 Jim把所有的口供都写出来了
236	on a table in front of me.	在我面前的一张桌子上
237	I sat there and added them up,	我坐在那里,然后把它们加起来,
238	and they had a net worth of $1.8 million.	他们的净价值是180万美元。
239	And I sat back at a table just like this and said,	我坐在一个桌子上像这样说,
240	how did you do this?	你怎么做到的?
241	And they had just been in my class for four weeks.	他们刚刚在我的班上呆了四个礼拜
242	Like, David, we did a lot of what you talked about,	像,大卫,我们做了很多 你谈论,
243	but we didn't have a budget,	但我们没有预算
244	because budgets don't work.	因为预算不起作用
245	And they talked about why budgeting didn't work for them.	他们谈到了为什么预算对他们不起作用。
246	They said, we put everything on autopilot.	他们说,我们把一切 自动驾驶。
247	We saved money automatically for everything.	我们自动地为一切节省了钱。
248	And that was the moment that changed my life.	那一刻改变了我的生活。
249	I realized that day,	我意识到那一天,
250	as somebody who was living paycheck to paycheck	做一个靠工资维生的人
251	with a high income,	有高收入者,
252	these people had half the income that I did,	这些人有我的一半收入,
253	and they were able to retire at 52.	他们得以在52岁退休。
254	I was in my mid-20s,	我在20年代中期的时候,
255	and I realized that if I didn't start saving and investing,	我意识到 如果我不开始储蓄和投资
256	I didn't change, nothing was gonna change.	我没有改变,没有什么会改变。
257	And I would never have the financial freedom that they had.	我永远不会有他们拥有的经济自由。
258	And so I went home that day,	那天我回家时
259	and I changed everything in my life.	我改变了我生命中的一切
260	Now I had a lot of bad habits,	现在我有很多坏习惯,
261	so I had a lot of things that needed to be changed.	所以我有很多事情需要改变
262	You were the senior vice president at Morgan Stanley	你是摩根斯坦利的高级副总裁
263	when you stepped down,	当你离开的时候,
264	and you soon after wrote this book	你写这本书后不久
265	called Smart Women Finish Rich.	"聪明女人完成富人"
266	It begs the question,	问题在于
267	what are the differences that you saw	你们所见的差别是什么?
268	through your process of financial education	通过您的金融教育过程
269	that women face versus men?	女人面对男人?
270	I was in business with my father,	我和我父亲有生意
271	and we had a lot of older clients.	我们有很多老客户
272	And I would sit in on meetings one after another	我会坐在一个接一个的会议
273	with widows.	与寡妇。
274	So in the first month of my career,	因此,在我的职业生涯的第一个月,
275	I sat in three meetings with three widows,	我和三个寡妇举行了三次会议
276	where the husband had dropped dead suddenly.	丈夫突然间死了
277	And my dad at the time was teaching these women	我爸当时教这些女人
278	how to read their broker statements,	如何阅读他们的经纪人声明,
279	how to write checks,	如何写支票,
280	and how to know if they would have enough money.	如何知道他们是否有足够的钱。
281	And I thought, this is crazy.	我想,这是疯了。
282	I said to my dad for the third appointment,	我对我爸说第三次约会
283	dad, what's going on here?	爸爸,这是怎么回事?
284	And he's like, well, what do you mean?	他喜欢,嗯,你是什么意思?
285	I go, well, you're teaching these women	我走了,你教这些女人
286	when their husband has just died,	当他们的丈夫刚刚去世的时候,
287	how to handle their finances.	如何处理他们的财务。
288	And he said, David, not a woman like your grandmother.	他说,大卫,不像你奶奶那样的女人
289	Your grandmother was a rarity.	你奶奶是个稀有的人
290	And I said, dad, that's crazy.	我说 爸爸 这太疯狂了
291	I'm gonna go out and teach a class for women and money.	我要出去给女人和钱上课
292	And when I started teaching a class for women and money,	当我开始为女人和金钱授课时
293	here's what I learned.	这是我学到的
294	Here are the things that make women different than men	这些东西让女人和男人不同
295	when it comes to money.	当与金钱有关.
296	Women, first of all, live longer than men,	女人,首先, 寿命比男人长,
297	which means they need more money than men do.	这意味着他们比男人需要更多的钱。
298	The average age of widowhood in America,	美国寡妇的平均年龄,
299	when I wrote that book originally, was 57, Steven.	我最初写那本书时 是57岁 史蒂芬
300	Now it's 59.	现在59岁了
301	You do all these shows on longevity.	你做所有这些关于长寿的节目。
302	It seems like everybody's living forever.	似乎每个人都会永远活着
303	They're not.	他们不是。
304	The average age of widowhood in America is 59 years old.	美国寡妇的平均年龄为59岁.
305	When you say widowhood,	当你说寡居
306	you mean the age in which a woman becomes a widow.	你是指一个女人成为寡妇的年龄
307	Exactly, they're married and they lose their husband.	没错 他们结婚了 失去了丈夫
308	So women are often wiped out when that happens financially.	因此,妇女往往在经济上被消灭。
309	Second thing is that women are hurt more than men	第二件事是女人比男人更受伤
310	when it comes to divorce.	离婚时
311	The third thing that affects women	影响女人的第三件事
312	is that they work fewer years.	他们的工作年数减少。
313	These are just the statistical realities.	这些只是统计现实。
314	Women work fewer years than men because they have children.	妇女工作年数少于男子,因为她们有子女。
315	So that's an average of somewhere between seven	平均七点左右
316	to 11 years less, and that's less money going	少了11年 钱就少了
317	into Social Security, retirement accounts,	进入社会保障、退休账户;
318	and it affects their earnings, and often they earn less.	并影响他们的报酬,他们往往所得较少。
319	So what I have taught for nearly 30 years now is,	所以我已经教了将近30年
320	as a woman, I don't care what your situation is.	作为一个女人,我不在乎你的处境
321	I don't care if you're an entrepreneur.	我不管你是不是企业家
322	I don't care if you're a stay-at-home mother.	我不管你是不是家里的母亲
323	I don't care if you're married to a local bank president.	我不管你是否与当地银行总裁结婚
324	I don't care if you're married, singled, widowed, divorced.	我不管你是否结婚,单身,寡居,离婚.
325	As a woman, you have to be in charge of your finances,	作为一个女人,你必须负责你的财务
326	period, drop the mic, end of discussion.	句号,删除麦克风,结束讨论。
327	You can't delegate your financial wellbeing	你不能把经济福利委托给别人
328	to anyone else.	给任何人。
329	You have to be in charge.	须执掌.
330	Now, I will also tell you, Steven,	现在,我也会告诉你,史蒂芬,
331	that women make better investors than men.	女人比男人更能投资
332	They make better investors than men	他们比男人更能投资
333	because often women don't trade like men do,	因为女人通常不像男人那样交易
334	and they do more research before they invest,	他们在投资前做了更多的研究,
335	and their performance is better.	他们的表现更好。
336	They're way better at long-term investing than men are.	他们长期投资比男人好得多
337	I heard some stats once upon a time	我曾经听到一些统计
338	that men are the majority of the gambling addicts.	赌博成瘾者大多是男人
339	Well, I'm sure they're the majority of the gambling addicts,	我相信他们是赌徒中的大多数
340	and also when you look at trading,	当你们观察交易的时候,
341	because trading's become a very big thing,	因为交易已经变得很重要了
342	but trading's always been a thing.	但交易一直都是一回事
343	Trading meaning?	交易的意义?
344	Trading, like trading stocks, buying and selling stocks.	交易,如交易股票,买卖股票.
345	Now it's buying and selling cryptocurrency,	现在它买卖密码货币,
346	buying and doing selling options.	购买和进行销售期权。
347	All of these things are primarily men doing it,	所有这些事情主要是男人做的,
348	and they don't make money	他们不赚钱
349	because the bulk of people who trade lose money day in,	因为大部分交易者 失去了一天的钱,
350	day out, and year out.	一天到晚,一年到头
351	I teach a philosophy, which is this.	我教的是哲学 就是这个
352	Your money and your investments should be boring.	你的钱和投资应该很无聊
353	Your life should be interesting.	你的生活应该很有趣
354	Your investments should be boring.	你的投资应该很无聊
355	If someone's coming to a cocktail party	如果有人来参加鸡尾酒会
356	and talking about their investments and it's exciting,	并谈论他们的投资 这是令人兴奋的,
357	something's wrong with it.	有点不对劲
358	Why?	为什么?
359	Because sexy is how you go broke when it comes to money.	因为性感是钱的时候你破产的方式
360	Boring is beautiful when it's about your wealth.	无聊是美丽的 当你的财富。
361	So even driving over here, my son was just like,	所以,即使开车过来, 我儿子只是喜欢,
362	Dad, why aren't you trading Tesla stock?	爸爸,你为什么不交易特斯拉股票?
363	I'm like, you know why I'm not trading Tesla stock?	你知道为什么我不卖特斯拉股票吗?
364	Because you can't make money trading.	因为你不能赚钱交易
365	You gotta figure out when to buy, when to sell.	你得想出什么时候买 什么时候卖
366	I want my kids investing in index funds.	我要我的孩子投资指数基金。
367	I have my clients investing in index funds.	我让客户投资指数基金
368	Boring is beautiful when it comes to money.	无聊是美丽的 当它涉及到金钱。
369	Before we get into the real specifics	在我们进入真正的细节之前
370	and the tactical strategies,	和战术策略,
371	and we think about a bunch of the sort of things	我们想着一堆事情
372	you said about debt and credit cards	你说债务和信用卡
373	and saving and getting out of debt	以及储蓄和摆脱债务
374	and how to become wealthy and an automatic millionaire,	如何成为富翁和百万富翁,
375	is there anything we should discuss	有什么值得我们讨论的吗?
376	as it relates to the broader context	由于它涉及更广泛的背景
377	of what's going on in the world?	世界发生什么事了?
378	Whether it's wealth inequality,	不管是财富不平等
379	whether it's the amount of people	不论是多少人
380	that are living paycheck to paycheck.	活生生的工薪阶层
381	I'm trying to get a picture on what the state	我试图得到一个图片 关于什么国家
382	of financial wealth looks like in the Western world.	金融财富看起来就像西方世界
383	Yeah, well, so let's talk,	是啊,那么,让我们谈谈,
384	you know, when people talk about economies,	你知道,当人们谈论经济,
385	here's the economy that matters.	经济才是最重要的
386	In my opinion, your economy.	我认为,你的经济。
387	Meaning the person that's listening,	意思是正在听的人,
388	the economy that you're in control of is yours.	你控制的经济是你的。
389	You're not in control over what's gonna happen	你无法控制未来
390	with interest rates,	利率,
391	what's gonna happen with geopolitical things,	地缘政治会怎样?
392	what's gonna happen with AI.	AI会怎么样?
393	The only economy that you can control is yours.	你唯一能控制的经济就是你的
394	Now here's the question.	现在的问题是:
395	Are you working?	你在工作吗?
396	Most cases, the answer is yes.	多数情况下,答案是肯定的。
397	The average person will work 90,000 hours	平均工作90 000小时
398	over their lifetime.	在他们一生中
399	So if you are a dual income household,	所以,如果你是一个双重收入家庭,
400	you're gonna work somewhere between 90 to 200,000 hours,	你会工作90到20万小时
401	the two of you, over your lifetime.	你们两个,在一生中
402	You're going to actually make millions of dollars	你会赚上百万
403	over your lifetime.	在你的一生中,你永远
404	The question is with your own economy,	问题是你自己的经济
405	are you going to keep any of the money?	你要留着钱吗?
406	And the sad thing for many people is that they're not.	而许多人悲哀的是,他们不是。
407	I say most people have what I call a no plan plan.	我说大多数人都有我所说的计划
408	Money comes in, money goes out.	钱进,钱出。
409	And they say, well, I don't know where the money all went.	他们说,嗯,我不知道 哪里的钱都去了。
410	And I go, that's called the no plan plan.	我走了,这就是所谓的无计划。
411	A person who's an automatic millionaire,	一个自动百万富翁的人
412	the moment money comes in,	钱一来,
413	they have a plan for exactly where it's gonna go.	他们有计划 确切的去向。
414	And that starts with paying themselves first automatically.	这首先要先自给
415	A lot of people listen to this.	很多人都听这个
416	And if I go back,	如果我回去的话
417	if I go back just over 10 years in my life,	如果我回到 刚刚超过10年我的生活,
418	I would have been sat listening to this conversation	我本来会坐着听这个谈话的
419	in 7,000 pounds of debt.	在7000磅的债务。
420	And I would have thought, God, becoming a millionaire,	我会想,上帝,成为百万富翁,
421	that's a million miles away.	那是一百万英里远。
422	No pun intended.	没有双关语的意思。
423	To become a millionaire,	成为百万富翁
424	I'm gonna have to earn so much more money.	我要赚这么多钱
425	And at the time I was working in call centers,	当时我在呼叫中心工作
426	it just felt so far away.	感觉太远了
427	And I say, people are struggling to feed their children,	我说,人们正在努力养活孩子,
428	let alone become a millionaire.	更别说成为百万富翁了
429	Is it far away for the average person?	对一般人来说是很远吗?
430	It's far away if you don't know the strategy.	不识方略则远矣.
431	There's a strategy to getting out of debt.	有解脱债之策.
432	There's a strategy to building wealth.	有建财之策.
433	There's a system.	有系统.
434	How much of it is just earning more money?	有多少只是赚更多的钱?
435	Because when I have these conversations on my show,	因为当我在节目中听到这些谈话时
436	I think the surprisingly untouched territory	我觉得这块地方 令人惊奇无比
437	is we don't teach people how to become more valuable	我们不教人如何变得更有价值
438	so that they can earn more money.	这样他们就能赚更多的钱。
439	A lot of it's about like index funds or savings, whatever.	大多是关于指数基金或储蓄,什么的。
440	But how much of it is just like,	但它有多少只是喜欢,
441	I need to get higher valued skills in the market.	我需要在市场上获得更有价值的技能。
442	We know for a fact that making more money	我们知道一个事实, 赚更多的钱
443	doesn't make you rich.	不会让你发财的
444	So people can go, as I told you earlier,	所以人们可以去, 正如我早些时候告诉你,
445	like from $100,000,	像从10万美元,
446	they can go from 50,000 to 100,000 and still be broke.	他们可以从5万到10万 仍然被打破。
447	They can go from 100,000 to 200,000 a year	他们每年可以从10万到20万
448	and still be broke.	并且仍然被打破。
449	They can go from 200,000 to 300,000 and still be broke.	它们可以从20万到30万,但仍然被打破.
450	In the US, when you take households	在美国,当你带家人
451	that make $150,000 a year,	一年赚150 000美元,
452	one out of three of them are still broke.	3个人中还有1个人破产了
453	When you peel back the curtain and you ask, why is that?	当你揭开窗帘问起 为什么?
454	Well, we know things cost more,	我们知道事情要花更多钱
455	but we also know there's massive lifestyle creep, right?	但我们也知道有 巨大的生活方式爬行,对不对?
456	You get around other people who are making more money	你绕过其他赚钱的人
457	and then you spend more money.	然后你花更多的钱。
458	And the reality is these phones	现实是这些电话
459	are designed to get you to spend everything, right?	让你花光一切,对吧?
460	Today with the algorithms,	今天的算法,
461	there's better technology today than there's ever been	今天有比以前更好的技术
462	to get you to spend more money.	让你花更多的钱。
463	And nobody wants you to spend money once,	没有人希望你花钱一次,
464	they want you to spend money for a lifetime, right?	他们希望你花钱一辈子,对不对?
465	It's the lifetime value of a customer.	这是客户的一生价值。
466	So there's a battle for our income.	因此,我们的收入有一场战斗。
467	And everyone wants a piece of it.	每个人都想要一块它。
468	It starts with the government.	从政府开始
469	Like you go to work and you go to work at nine	就像你上班,你九点上班
470	and you actually work from nine o'clock to 12 for taxes.	实际上你从九点到十二点都在纳税
471	Now, this is an important lesson actually.	现在,这是一个重要的教训。
472	The government doesn't ask you to budget, to pay taxes.	政府不要求你预算,缴税.
473	They take your taxes from you automatically.	他们自动从你身上扣税
474	They take social security from you automatically.	他们自动从你那里拿社会保障。
475	They take the money from you automatically	他们自动拿走你的钱
476	because they know you won't have anything to give	因为他们知道你不会有任何东西
477	if they don't take it from you.	如果他们不把它从你。
478	Then people work from 12 to about three o'clock	然后人们从12点到3点工作
479	for housing and food.	用于住房和食物。
480	And then from three o'clock to five o'clock	然后从三点到五点
481	for all the rest, all the rest of the things.	为一切众生一切众生.
482	The people who build wealth in America	在美国创造财富的人们
483	and really all over the world, they do something different.	并且真的在世界各地, 他们做了一些不同的事情。
484	They keep the first hour day of their income.	他们保留了收入的第一天。
485	What do you mean by that?	这是什么意思?
486	So what that means is whatever you earn,	所以,这意味着什么是任何你挣,
487	you can be making minimum wage.	您可领取最低工资。
488	You can be making $20 an hour, $30 an hour, $40 an hour.	你可以每小时赚20美元 每小时30美元 每小时40美元
489	Whatever you earn, the first hour day of your income	无论你赚多少 收入的第一天
490	has to go to you.	我必须去找你。
491	You're the first person who gets paid.	你是第一个拿到报酬的人
492	And you mean you have to save it, invest it?	你是说你要保存它,投资它?
493	You have to invest it.	你必须投资。
494	So how do you invest the first hour of your day	所以,你如何投资 你第一天的小时
495	without paying taxes?	不交税?
496	The answer is you pay yourself first using a 401k plan.	答案是,你先用401k计划支付自己.
497	So if you have a job with a retirement account,	所以,如果你有一个工作 在退休账户,
498	401k plan, you sign up and you use that plan.	401k计划,你报名并使用这个计划。
499	Now, I can't just stop right there, right?	现在,我不能就这样停下来,对不对?
500	Because it sounds so simple like, okay, I'll use my plan.	因为听起来很简单,好吧,我会用我的计划。
501	No, you have to know the formula	不,你必须知道公式
502	to using your plan to be rich.	用你的计划致富
503	We know after 40 years now, exactly what you need to do	我们知道40年后,你需要做什么
504	if you wanna be a millionaire.	如果你想成为一个百万富翁。
505	I can tell you how to become a millionaire	我可以告诉你如何成为百万富翁
506	starting in your 20s so that you're done	从你20多岁开始,这样你就完了
507	by the time you're in your mid 50s.	当你在50多岁的时候
508	You save a little, one hour day of your income	你省了一点,一天的收入
509	is 12.5% of your gross revenue.	这是你总收入的12.5%。
510	I went online today to look at what's the latest statistics	我今天上网看最新统计
511	with 401k millionaires.	与401k百万富翁.
512	The new stats that just came out from Fidelity.	菲德尔蒂刚发布的新数据
513	There are 654,000 people in Fidelity 401k plans	菲德尔401k计划有65.4万人
514	that are now millionaires.	现在的百万富翁。
515	What is a 401k?	什么是401k吗?
516	Because we've got a lot of global listeners.	因为我们有很多全球听众。
517	There's different types of 401k in every country.	每个国家都有401k的不同类型.
518	So in the US, a 401k plan is a retirement account.	因此在美国,一个401k的计划是一个退休账户.
519	It is a retirement account that the company has set up.	这是公司设立的退休账户。
520	And it allows you to put money away, tax deductible,	它允许你把钱放进去,可以扣税,
521	they call it pre-tax.	他们称之为税前。
522	In most countries, you have a deductible retirement account.	在大多数国家,您有一个可扣除的退休账户。
523	But it depends on the country too, right?	但这也取决于国家,对不对?
524	Like in Canada, it's a different type of plan	就像在加拿大,这是不同的计划
525	than it is in Australia, than it is in Italy,	比在澳大利亚, 比在意大利,
526	than it is here in the UK.	而不是在英国
527	Almost every country though,	几乎每一个国家,
528	has some form of retirement account	拥有某种形式的退休账户
529	and has the ability to put money away automatically.	并且有能力自动收钱。
530	Here's the problem.	问题是...
531	And I'll use the US specifically	我会特别使用美国
532	because it's where I do most of my work.	因为这是我的大部分工作。
533	In the US, those who have a 401k plan,	在美国,那些有401公里计划的人,
534	the ones that are millionaires, what they did,	那些百万富翁,他们做了什么,
535	here's the formula.	这里的公式。
536	The exact formula, they saved 14% of their gross income	准确的公式,他们节省了14%的毛收入
537	and their employer had a small match on top of that.	他们的雇主也有一个小火柴
538	And then how they invested the money is key	然后他们如何投资 钱是关键
539	because it's not enough to just put money	因为放钱还不够
540	in these 401k plans.	在这401k计划。
541	You have to be invested for growth.	你必须投资成长。
542	And growth means stocks, right?	增长意味着股票,对不对?
543	So you'd have to have, and the actual specific allocation	所以,你必须有, 和实际的具体分配
544	in these 401k millionaires I just talked about,	我刚刚提到的401千百万富翁
545	was about 70% stock and 30% bonds.	大约70%的股票和30%的债券。
546	Okay, now what are people doing that aren't achieving this?	好了,现在人们在做什么 没有做到这一点?
547	Well, the average American saving maybe three or 4%,	那么,平均美国储蓄 可能3或4%,
548	maybe 5% if they have a 401k plan.	也许5% 如果他们有401k计划。
549	People who don't have 401k plans in many cases	在许多情况下没有401k计划的人
550	aren't even doing this.	甚至没有做到这一点。
551	They can, they can open up an IRA account,	他们可以打开爱尔兰共和军的账户
552	but in most cases they're not doing that.	但在大多数情况下,他们不这样做。
553	So the whole secret is not budgeting, not using discipline,	所以整个秘密不是预算 不是用纪律
554	having the money move right from your paycheck.	把钱从你的薪水里挪走
555	Paycheck gets deposited automatically	薪水自动存入
556	and then it moves the day it hits your bank account	然后它移动的一天 它击中你的银行账户
557	automatically first for retirement.	自动先退休。
558	Then later we'll talk about building a security account,	然后我们再谈一个安全帐户
559	building a dream account.	建立梦想账户。
560	The key is that the money moves automatically.	关键是钱会自动移动
561	So in the United States now, there's by the way,	所以在美国,顺便说一句,
562	24 million millionaires now.	现在有2400万百万富翁
563	So we've seen an increase of 8 million millionaires	因此,我们已经看到800万富翁的增加
564	to 24 million millionaires in the US in just 20 years.	在短短的20年里,美国有2400万百万富翁。
565	How did they do that?	他们怎么做到的?
566	There's two primary escalators to wealth.	有两台主扶梯致富.
567	That is stocks and real estate.	这是股票和房地产。
568	And if you're not in stocks and you're not in real estate,	如果你没有股票,也没有房地产
569	you are being left behind.	你被抛弃了
570	When you say real estate, does that mean	当你说房地产, 意味着
571	having a mortgage and owning a home?	有抵押贷款和拥有住房?
572	It's owning a home or owning REITs.	它拥有一个住宅或拥有REIT.
573	REITs (英语).
574	REITs, Real Estate Equity Investment Trust.	REITs,房地产股权投资信托.
575	So that's another way to buy real estate	所以这是买地产的另一种方法
576	without actually having to own the home,	无需拥有房子,
577	but you don't get the same level of returns.	但你得到的回报并不相同
578	I mean, this is one of the hot topics of conversation	我的意思是,这是热门话题之一 谈话
579	we've had on the show several times is many of my guests	我们参加过好几次的演出,都是我的客人
580	that are sort of financial advisors say	财务顾问说
581	that owning a home is a bad investment.	拥有一个家是不好的投资。
582	I think from what I understood from the research	我从研究中明白了
583	and from reading your books that you feel differently	从阅读你的书 你的感觉不同
584	about that.	关于那个。
585	Yeah, I mean, I couldn't feel more differently.	是啊,我的意思是,我不能 感觉更不同。
586	When we look at where is wealth created	当我们看着创造的财富在哪里
587	in the United States and also abroad,	在美国和国外,
588	it's in two places.	分两处.
589	It's in home equity and it's in the stock market.	居家股权及股市.
590	So when you look at housing and you take someone	所以当你看房子,你带一个人
591	who owns a home and we'll talk about it,	谁拥有一个家 我们会谈论它,
592	you know it's hard to buy homes right now.	你知道现在买房子很难
593	But when you look at people who own a home	但当你看着拥有家的人
594	versus people who rent,	对租房的人,
595	homeowners in America, follow this for one second,	在美国的房主, 跟着这个一秒钟,
596	homeowners in America are worth 40 times more than renters.	在美国,房主的价值是租户的40倍。
597	So the average homeowner in America today	今天美国一般的房主
598	is worth over $400,000.	价值超过40万美元。
599	But this doesn't establish causation.	但这并不能确定因果关系。
600	That doesn't mean that buying a home made them rich, right?	这并不意味着买房子让他们发财,对吧?
601	It actually does.	其实是这样
602	And I'm gonna go through that here.	我要通过这里。
603	So the average renters were $10,000, right?	平均租户是一万美元,对吧?
604	So why does buying a home build wealth?	那么为什么买房子能创造财富呢?
605	And how much wealth the United States	和多少财富 美国
606	is now in home equity?	现在是家庭公平?
607	Wall Street Journal just ran an article on this,	《华尔街日报》刚刚刊登了一篇关于此事的文章
608	came out two days ago.	两天前出来了
609	There's $34 trillion now in home equity in America.	现在美国有34万亿美元的家庭股本。
610	This number has gone up 90% since before COVID.	这一数字自COVID之前以来增加了90%。
611	The other money is in retirement accounts,	其他的钱在退休账户里
612	which is 60, 70% in stocks.	这是60%,70%的库存。
613	There's $45 trillion now in retirement accounts.	现在退休账户里有45万亿美元
614	So those two things alone equal $80 trillion, right?	光是这两件事就等于80万亿,对吧?
615	Like when you wanna go like, where are the breadcrumbs?	比如你想去的时候 面包屑呢?
616	Where's wealth being created?	财富在哪里创造?
617	It's right in front of us.	就在我们面前
618	Now the problem that we have in the United States,	现在我们在美国的问题,
619	but also look, we're here in London right now,	听着 我们现在在伦敦
620	problem we have in so many cities	这么多城市都有问题
621	is that real estate keeps going higher and higher and higher	房地产在不断上升
622	and people's incomes are not keeping pace	和人们的收入没有跟上
623	with the cost of buying a home.	还有买房子的费用
624	So when someone comes on a show like this and says,	所以当有人来参加这样的节目 并说,
625	look, you don't have to buy a home.	听着 你不用买房子
626	It's cost more to have a house and rent.	有房子和房租比较贵
627	You know, I watched one of the shows.	你知道,我看一个节目。
628	I won't say who it was, it doesn't matter.	我不会说是谁的,没关系
629	They all say the same thing.	他们都这么说
630	Don't buy a house, you'll be trapped.	不要买房子,你会被困住
631	You'll have to pay real estate taxes	你要缴纳房地产税
632	and you'll have to pay insurance and things break.	你得付保险费 和东西中断。
633	They go through all these expenses	他们花这么多钱
634	and it makes it sound like, oh yeah,	这听起来就像,哦,是的,
635	if I rent, it'll be cheaper.	如果我租,那会更便宜。
636	Now, who do you think pays these expenses when you rent?	现在,你觉得谁支付这些费用 当你租?
637	You do.	没错
638	The landlord passes the cost of these expenses	房东支付这些费用
639	on to the renter ultimately.	归根结底是租户。
640	Why do they do this?	他们为什么要这么做?
641	Because people who buy real estate,	因为买房地产的人
642	buy it for an investment.	买它投资。
643	They buy it for an investment.	他们买它投资。
644	They're not subsidizing these costs.	他们不补贴这些费用。
645	So it's a hard thing to hear	所以很难听
646	and especially when you're young,	特别是你年轻的时候
647	like I have a son who's 22, he's in Chicago.	我有一个22岁的儿子 他在芝加哥
648	He's gonna move to New York City.	他要去纽约
649	It'll be extremely hard for him to buy a place in New York	他在纽约买房子会很难的
650	when he starts working right away.	当他马上开始工作时
651	Just will be, probably won't for two or three years.	只是会,可能不会 两三年。
652	Lot of young people, when they move to a major city,	许多年轻人,当他们搬到一个大城市,
653	they can't afford to buy right away.	他们买不起马上。
654	When I came out of college,	当我从大学毕业时,
655	like you, I was in credit card debt.	跟你一样,我欠信用卡
656	I had $12,000 in credit card debt.	我有12 000美元的信用卡债务。
657	I remember opening up my bills and having the room spin	我记得开张帐单 开着房间
658	and thinking, I'm never getting out of credit card debt.	想想,我永远不会摆脱信用卡债务。
659	How am I gonna buy a house?	我该怎么买房子?
660	但我确实做了 But I did.
661	And in fact, I didn't buy a home	其实我没有买房子
662	when I was young by myself.	我年轻的时候一个人
663	I bought a home with a best friend.	我和好朋友买了个房子
664	So how did I get my first house?	那么,我是如何得到我的第一所房子?
665	First house we bought was a quarter of a million dollars.	我们买的第一间房子是25万美元
666	We put 10% down and my best friend and I, Andrew,	我们放下了10% 我最好的朋友和我,安德鲁
667	we split that down payment.	我们分了定金
668	So we each put $12,500 down.	所以我们每人下12500美元
669	This is how we scraped it together.	这就是我们一起刮的
670	The house was a complete fixer upper	房子是完全固定的上层
671	and we didn't have enough money to make the mortgage payments	我们没有足够的钱来支付抵押贷款
672	so we rented out bedrooms.	所以我们租了卧室
673	And we had friends rent bedrooms	我们有朋友租卧室
674	and that helped us cover our mortgage.	这帮助我们支付贷款。
675	We scraped it together.	我们一起刮的
676	And that's what a lot of people do when you're young.	亦复如是广大众生年轻时所作.
677	But if you don't get in the game of home ownership	但是,如果你没有得到 游戏的家所有制
678	and you rent in your 20s and you rent in your 30s,	20多岁时租,30多岁时租,
679	you're gonna turn around in your 40s	你40多岁时就会转身
680	and having not built any net worth.	并且没有建立任何净值。
681	When I wrote The Automatic Millionaire 20 years ago,	二十年前我写《百万富翁自动》的时候
682	two things have happened since then.	之后发生了两件事
683	The stock market has gone up in 20 years, 600%.	股市20年上扬 60%.
684	Okay, so if you had a $100,000,	好吧,所以如果你有一个10万美元,
685	just that has gone to $600,000.	已经到了60万元了
686	If you bought a house, the house has gone up 400%.	如果你买了房子,房子已经上升了400%。
687	So when you read this book with all these,	所以当你读这本书和所有这些,
688	there's a whole chapter of updated success stories.	有整整一章 最新的成功故事。
689	There are a lot of ordinary people	这里有很多普通人
690	that started saving five, 10, 15, $20 a day,	开始每天节省5、10、15、20美元
691	bought a starter house, and today they're millionaires.	买了个起步房,今天他们是百万富翁
692	So am I not better off renting	租房我也没好过
693	and investing in the stock market versus buying a house?	投资股票市场和买房子?
694	Because obviously when I buy a house,	因为显然当我买房子时
695	I'm paying a premium on the house	我付了房子的价钱
696	so that I can get a mortgage.	这样我才能得到抵押贷款。
697	I wanna bust this myth because what happens	我想打破这个神话 因为会发生什么
698	is people come on and they go,	人们来了,他们走了,
699	the stock, look, I can tell you right now,	股票,你看, 我可以告诉你现在,
700	the stock market over the last 20 years	过去20年的股票市场
701	has averaged over 10% annually.	每年平均超过10%。
702	People go, the returns are better in the stock market	人们去,回报在股票市场更好
703	than the real estate.	比房地产。
704	Yeah, but that's not apples to apple comparison.	是的,但这不是苹果与苹果的比较。
705	Why?	为什么?
706	When you buy a piece of real estate,	当你买一块房地产时
707	when you buy a home,	当你买房子时
708	people don't typically pay cash for their first house.	人们一般不支付现金 他们的第一间房子。
709	They put down 20% and they borrow the other 80%.	他们放下了20%,他们借了另外80%。
710	So you take like an example of a,	所以,你举个例子,
711	take a $200,000 home.	带20万元回家
712	$200,000 home, you put 40 grand in.	二十万元的家,你给四万元
713	Home goes from 200,000 to 400,000.	家从二十万到四十万.
714	In 10 years, this has happened to so many people	十年来, 发生了这么多人
715	in the last five years.	在过去五年。
716	Since COVID, there are markets all over the US	自COVID以来,美国各地都有市场
717	where housing prices have gone up 100 to 200%.	房价已经上涨100-200%。
718	So a person buys a $200,000 home,	所以一个人买一个20万元的家
719	they borrowed 80%, it's doubled.	他们借了八成 翻了一倍
720	So they've made 200,000 in profit.	所以他们赚了20万
721	They didn't put in 200,000, they put in 40.	他们没有投入20万 他们投入40万
722	So they got a five times return on their down payment.	所以,他们得到了5倍的回报 他们的首付。
723	They go to sell their house,	他们去卖房子,
724	they don't pay taxes on the game.	他们不交税的游戏。
725	Because when you own a home, at least in the United States,	因为当你拥有一个家,至少在美国,
726	you own a home for over two years if you're single,	如果你单身,你拥有一个两年多的家,
727	you get $250,000 in tax-free gains.	你得到25万美元的免税收益。
728	If you're married,	如果你结婚了,
729	you get over a half a million dollars in tax-free gains.	你得到超过50万美元的免税收益。
730	You get tax deductions on the mortgages.	抵押贷款可以减税
731	So what happens is people come here and they go,	发生的事情是,人们来到这里,他们走了,
732	you know what, you shouldn't be tied down.	你知道吗,你不应该被绑起来。
733	You need to be flexible when you're young.	年轻时要灵活.
734	You don't wanna have the responsibility.	你不想有责任。
735	And you should take the extra money	你应该多拿些钱
736	and you should put it in a mutual fund.	你应该把它放在一个共同基金。
737	And you know what happens in the real world, Stephen?	你知道现实世界会怎样吗 史蒂芬?
738	People don't do that.	众生不作.
739	They rent an apartment that's nicer than what they can afford	他们租的公寓比他们买得起的好
740	and they spend all their money.	他们把钱都花光了
741	And then they turn around in their mid-30s	30多岁时他们转身
742	and they have no equity because they haven't bought anything	他们没有股本,因为他们没有买东西
743	and they also haven't saved money.	他们也没有省钱
744	It is an absolute fricking myth	这是一个绝对他妈的神话
745	{\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}人们会多收这笔钱
746	that they could have used to buy a house	他们本来可以买房子的
747	and they're gonna put it in the stock market.	他们会把它放到股票市场。
748	They don't do that.	他们不这样做。
749	And that's why also by the way,	所以顺便说一句,
750	corporate America got into the game	美国公司进入了游戏
751	of buying up real estate all over America,	买下整个美国的房地产,
752	houses and building apartments to rent	租房和公寓
753	to an entire generation hoping these people never buy.	给整个一代人 希望这些人不会买。
754	This like 10 days ago, Trump came out and basically said,	这就像10天前,特朗普出来 基本上说,
755	he wants the institutions out of buying up	他想让医院不要买东西
756	all the homes in America.	美国所有的家
757	Why does he wanna do that?	他为什么要这么做?
758	Because he recognizes how serious of a problem it is	因为他知道问题有多严重
759	to have a generation of Americans who are renters.	有一代美国人 谁租的。
760	I'm telling you, when you look at average Americans,	我告诉你,当你看看普通美国人,
761	I'm talking about ordinary Americans,	我说的是普通美国人
762	when you look at where their wealth is,	当你看着他们的财产在哪里的时候,
763	it's in home equity and it's in the stock market.	这是在家庭股本, 它在股票市场。
764	And this is the last thing I'll say,	这是我最后要说的
765	generational wealth is created for better or worse	世代相传的财富是创造的
766	through home equity.	通过家庭股本。
767	So when you look at,	所以当你看着,
768	you asked the question about causation.	你问了有关因果关系的问题。
769	If a family doesn't buy a home,	如果一家人不买房子
770	the likelihood the next generation can buy a home	下一代能否买到房子
771	is very low because when someone dies,	因为当有人死了,
772	the money that is in the house, that home equity,	家里的钱 房子的股票
773	is often what transfers to the next generation	经常是转移给下一代
774	and helps the next generation buy a house.	帮助下一代购买房子。
775	I was looking at some stats here	我在看一些数据
776	because I wish I could sit down all of the guests	因为我希望我能坐下所有客人
777	that have been on my show that have had a difference	曾经在我的节目 曾经有区别
778	of opinion and have said that buying a house	并说买房子
779	is a bad investment.	投资不好
780	It could be a really interesting conversation, right?	这可能是一个非常有趣的谈话,对不对?
781	It would be a really interesting conversation.	这将是一个非常有趣的谈话。
782	What I've done as an alternative to that approach	我所做的作为替代方法
783	is I've pulled up what they've said	我已经按他们说的做了
784	and I'm gonna give you some of the things they've said	我会给你一些他们说过的话
785	just so you can rebuttal them and have your say on them.	这样你就可以反驳他们 并有你的发言权他们。
786	One of the things that they often say	他们经常说的其中一件事
787	is that long-term real inflation adjusted home price	长期实际通货膨胀调整房价
788	appreciation in the US is about 1% annually.	美国每年升值约1%。
789	And one of my guests cited Robert Shiller	我的一位客人引用了罗伯特·希勒的话
790	as the evidence of that.	作为证据。
791	After maintenance, which usually equals one to 2%,	维修后,通常相当于1%至2%,
792	property taxes, which equals about 1%,	财产税,约为1%,
793	insurance and transaction costs,	保险和交易费用,
794	the net real returns approach roughly zero on average.	实际净回报率平均约为零。
795	So when you say housing is a great investment,	所以,当你说 住房是一个伟大的投资,
796	are you referencing the gross appreciation,	你是否提到 粗略的感谢,
797	which is the total appreciation,	这是完全的感谢,
798	or the net returns after taxes,	或税后的净收益,
799	maintenance, insurance, and selling costs?	维修、保险和销售费用?
800	So when you dig into these kind of numbers like this,	所以,当你挖掘 这样的数字,
801	what they are is they're numbers,	他们是数字,
802	but they're not real world, right?	但他们不是真实的世界,对不对?
803	So like when you talk to someone who owns a home today	就像你和今天有家的人说话一样
804	and they've owned it for 20 years,	他们拥有它20年,
805	and you ask them how much of your net worth	你问他们你净值多少钱
806	is now in the equity in your house?	你家现在有股本了?
807	Over 50% of their net worth is in their house.	超过50%的净值 在他们的房子。
808	You will see people on your YouTube channel	你会看到你的YouTube频道的人
809	that literally, if you read the comments,	字面上,如果你读的评论,
810	and I'm sure you do.	我敢肯定,你这样做。
811	I do, yeah.	是的,没错。
812	Where people say, it's not true.	凡人言之,实不实也.
813	There was a, I read a comment yesterday	昨天我读了一篇评论
814	在你的YouTube页面。
815	All I know is I bought a house	我只知道我买了房子
816	and it's gone up in value three and a half times.	价值上升了三倍半
817	And the rent when I bought the house was $1,200.	我买房子时的租金是1200美元
818	And the rent today to buy that, if I had that house,	今天要买的租金 如果我有那房子
819	if I was renting, it would be $4,000.	如果我租的话 一共是四千块
820	So the thing is you have to understand	所以你必须明白
821	is that rents always go up, Steven.	租金总是涨的 史蒂文
822	Like I lived in New York City for 18 years.	就像我在纽约市住了18年
823	When I moved in New York City in 2001,	2001年我搬到纽约市时
824	a really nice apartment,	一个非常漂亮的公寓,
825	a nice apartment was like $6,000 a month.	一个不错的公寓就像6000美元一个月。
826	When I left New York,	我离开纽约时
827	that same apartment was $25,000 a month.	同一个公寓是每月25,000美元。
828	Follow the insanity of that math.	跟着数学的疯狂
829	Now that apartment went from being $2 million apartment	现在那间公寓从两百万的公寓开始
830	to a $5 million apartment.	到一个500万美元的公寓。
831	So I could have been renting it,	我本来可以租的
832	but in my case I owned it	但就我而言,我拥有它
833	and it went up in value $3 million.	价值达300万美元
834	So I have friends who have been renting in New York	所以我有朋友在纽约租房
835	for 20 years, they have built no net worth.	20年来,他们没有建立净值。
836	I have no vested interest in this conversation,	我对这次谈话没有既得利益
837	meaning I don't sell real estate.	意思是我不卖房地产
838	I'm not a real estate agent.	我不是房地产经纪人
839	I'm not selling real estate.	我不卖房地产
840	I've just seen in the real world	我刚刚在现实世界看到
841	how people have built wealth.	人们是如何创造财富的。
842	The Macintyres in this book, The Automatic Millionaire,	这本书中的麦金泰尔人 自动百万富翁
843	when they came into my office	当他们来到我的办公室
844	and they were worth $1.8 million,	他们价值180万美元,
845	and he was 52 and able to retire,	他当时52岁,能够退休,
846	having earned an average of $40,000 a year,	平均每年挣40 000美元,
847	all their money wasn't in the stock market.	他们的钱不在股票市场
848	They had bought a home in San Leandro, California,	他们在加州圣莱昂德罗买了房子
849	what they called a middle-class neighborhood.	他们称之为中产阶级社区
850	Their home at the time was worth about $300,000.	他们当时的家值30万美元左右.
851	They had paid their mortgage off	他们已经偿还了抵押贷款
852	and they had bought one more house on their street.	他们又在街上买了一栋房子
853	They rented the first house.	他们租了第一个房子。
854	They bought a second house on their street.	他们在街上买了第二栋房子
855	They paid that mortgage off.	他们付了房贷
856	And so they owned two homes, Frank Claire,	他们拥有两栋房子 弗兰克·克莱尔
857	one house they got income from,	他们从一个房子得到的收入,
858	one house they lived in with no debt,	他们住的一间房子没有债务,
859	and then they had saved money in their 401k plan.	然后他们在401计划里节省了钱
860	So if I was a young person,	所以如果我是一个年轻人,
861	or not even a young person, a middle-aged and older person,	甚至连年轻人,中年和老年人,
862	who took my down payment	谁拿了我的定金
863	that I was gonna pay into the house,	我本来要付钱进屋的
864	if let's say it was, say my down payment was $20,000	就说我的定金是两万
865	and I put that into the S&P 500 instead,	我把它放在了S&P500, 相反,
866	over the long run,	从长远来看,
867	won't that grow larger	会不会变大?
868	than the total home equity potentially?	可能比总的房屋股本?
869	Here's why the index fund theory doesn't work.	这就是指数基金理论不起作用的原因.
870	You can't live inside an index fund.	你不能住在指数基金里
871	You can't live inside a mutual fund.	你不能住在一个共同基金。
872	You have to live somewhere as long as you're alive.	得住如来所.
873	Here's what people should do.	这就是人们应该做的。
874	Take a look at what you're paying in rent.	看看你们付的房租
875	Now ask yourself a question.	现在问自己一个问题。
876	If I am paying 5,000 a month in rent,	如果我每月付五千块的房租
877	which lots of people are, right?	有多少人,对不对?
878	Do you know people paying 5,000 a month in rent?	你认识每月付五千块房租的人吗?
879	Yes.	对
880	Okay, so they're paying 60,000 a year.	好吧,他们每年要付六万美金
881	Let's take that number.	让我们拿那个号码。
882	Yeah.	对
883	So over 10 years, they're gonna spend $600,000 in rent	十年后,他们要花60万的租金
884	if the rent doesn't go up.	如果租金没有上涨。
885	Yeah.	对
886	In 20 years, they're gonna spend 1.2 million in rent	20年后,他们会花120万的租金
887	if the rent doesn't go up.	如果租金没有上涨。
888	In 30 years, they will have spent $2 million in rent	30年后,他们要花200万的租金
889	if the rent doesn't go up,	如果租金没有上涨
890	but the rent does go up.	但租金确实上涨了
891	So the question you just have to ask yourself is,	所以你要问的是...
892	am I gonna take all this money that I'm spending on rent	我要收下我花在房租上的钱吗?
893	and never build anything?	从来不造什么?
894	And if you really believe that renting is better than owning,	如果你真的相信租房比拥有更好
895	then you should still consider the idea	那你还是考虑一下这个主意吧
896	of buying something then that somebody else rents.	买东西,然后别人租。
897	Because I promise you,	因为我答应你
898	somebody's getting rich in the transaction.	有人在交易中发财了
899	If you're the renter,	如果你是租户
900	you're not the one who's getting rich	你不是那个发财的人
901	in the transaction of renting.	在租赁交易中。
902	It is a great short-term solution renting.	这是一个很长的短期解决办法。
903	It is not a great term, long-term wealth building solution.	这不是一个伟大的长期财富建设解决方案。
904	The other thing that people often talk about,	人们经常谈论的另外一件事
905	and you cited earlier,	刚才你引用了
906	is the mobility that renting gives you.	是租房给你的流动性
907	Yeah.	对
908	Your son was here a second ago.	你儿子刚才在这里
909	He's 16 years old.	享年16岁.
910	Yeah.	对
911	Soon he'll be at the age where he's got his own place,	很快他就到了他有自己的位置的年龄
912	and he's thinking about different career opportunities,	他在考虑不同的职业机会
913	then I've got AIs, this big thing,	然后,我得到了AI,这个大事情,
914	so he might wanna go to San Francisco,	所以他可能想去旧金山
915	then he might wanna go live in Florence and wherever else.	然后他可能想住在佛罗伦萨和其他地方
916	If he's bought a place,	如果他买了房子
917	there is an interesting sort of psychological,	有一种有趣的心理类型,
918	but also financial component to the fact that	但同时也是财务部分,因为
919	it makes it harder for you to move	这让你更难移动
920	with the opportunity of life.	与生命的机会。
921	And if what people say about the future of work is true,	如果人们所说的关于未来工作的话是真的
922	that we're gonna have many more careers in our lives	我们将会有更多的职业生涯 在我们的生活
923	than we did in the past,	和过去一样
924	one might assume that we're also gonna be more mobile.	人们可能认为我们也会更机动
925	And so is there an argument to say that buying a house	还有一种说法是买房子
926	might hurt my professional opportunities,	可能会损害我的职业机会
927	my ability to pursue professional opportunities?	我追求职业机会的能力?
928	The answer is possibly, right?	答案可能是对吗?
929	But here's the thing about rent.	但这里的租金问题。
930	Rent's, interestingly enough, a major obligation, right?	租金,有趣的是, 一个重大的义务,对不对?
931	Usually when you go and you do a lease,	通常当你去做一个租约,
932	you lock yourself into a one-year lease.	你把自己锁在一个一年的租约。
933	Sometimes you lock yourself into a two-year lease.	有时候你把自己锁在两年的租约里
934	When you buy something,	当你买东西的时候
935	and this is assuming that you have the money	这是假设你有钱
936	to buy something, Stephen,	买东西,斯蒂芬,
937	look up, because you've got all the data	抬头看 因为你有所有的数据
938	at your fingertips here,	在你的指尖这里,
939	look at what the average length of time it takes	看看平均需要多少时间
940	to sell a home in the United States.	在美国卖房子
941	Just Google that right now.	只是谷歌现在。
942	Because what I will tell you is in certain markets,	因为我会告诉你的是 在某些市场,
943	you can put your home on the market	你可以把你的家 上市
944	and you can sell it in less than 90 days.	你可以在90天内卖掉它
945	Now, some markets, you can sell your home	现在,一些市场,你可以卖掉你的家
946	in less than 30 days.	不到30天时间
947	In many cases, you actually have more flexibility	在许多情况下,你其实更灵活
948	when you own something than when you rent,	当你拥有的东西 比当你租,
949	and that's if you wanna sell it.	如果你想卖掉它
950	It says the average time from listing to sale	上面说从上市到销售的平均时间
951	is about 47 to 62 days from listing to closing in 2025,	从上市到2025年关闭大约47至62天,
952	including 16 days on the market,	包括上市16天,
953	and 30 to 45 days to close.	关闭30到45天
954	That's called less than two months.	这叫做不到两个月。
955	Even in hot markets,	即使在热市,
956	the process from putting a house on the market	将房屋上市的过程
957	to legally selling it can take 1.5 to three months,	合法出售它可能需要1.5至3个月,
958	meaning home equity isn't a quickly accessible investment.	意思是住房股权不是快速获得的投资
959	Yeah, but do you think that's pretty quick, 90 days?	是的,但你认为这相当快,90天?
960	No, it is.	不,这是。
961	I mean, it takes you that amount of time	我的意思是,它需要你的时间
962	to get out of the lease.	离开租约。
963	Exactly.	没错
964	So here you've got a piece of property	所以这里有一块地产
965	that you can turn around and sell in less than 90 days.	你可以在90天内转身出售
966	Now, this is the US.	现在,这是美国。
967	You can't do that, like for instance, I live in Italy.	你不能这么做 比如说 我住在意大利
968	That could be very hard to do that in Italy.	在意大利可能很难做到这一点。
969	But in the US,	但在美国,
970	you've got something that's in a good market, it's liquid.	你有在好市场的东西, 它的液体。
971	The other thing is you can rent it, right?	还有一件事 你可以租下来 对吧?
972	You're actually not trapped.	你其实没有被困住。
973	If you start to build equity in your home	如果你开始在家中建立公平
974	and you pay your mortgage down slightly,	你略微还清你的抵押贷款
975	next thing you know, you're able to rent that property	接下来,你可以租房子了
976	and you can still move.	你仍然可以移动。
977	Today, people are taking their homes	今天,人们正在回家
978	and they're Airbnb-ing them.	并且他们正用空心药叉他们
979	What I really want for people	我真正想要的东西
980	is the chance to be financially free.	是获得财政自由的机会。
981	There's also an age at which it doesn't matter if you own.	也有一个年龄,如果你拥有它并不重要。
982	You know, once you start to get older	你知道,一旦你开始变老
983	and you've built financial security,	而且你已经建立了财政保障,
984	you get in your 50s or your 60s or your 70s	50或60或70岁
985	and you just want to travel and you don't want to own anything,	你只想旅行 不想拥有任何东西,
986	that's a different stage of life.	那是人生的不同阶段
987	So the question just becomes,	所以问题就变成
988	the money that you make,	你赚的钱,
989	I go back to the 90,000 hour comment.	我回到9万小时的评论。
990	When you work 90,000 hours over your lifetime,	当你一生工作9万小时时
991	what's your plan to keep some of this money?	你计划怎么留着这些钱?
992	You have to have a pay yourself first plan.	你必须要有第一个计划
993	That has to be your number one priority	这一定是你的首要任务
994	is that when you earn money,	当你赚钱的时候,
995	the first person who you're going to pay is you.	你要支付的第一个人就是你
996	If you say, you know what?	如果你说,你知道吗?
997	I watched Stephen and I saw David	我看着斯蒂芬和戴维
998	and I've seen a bunch of other people on his show	我见过一堆其他人在他的节目
999	and I'm not going to buy a house.	我不会买房子的
1000	Okay, then you have to pay yourself first more.	好吧,那么你必须先给自己更多的钱。
1001	Now I go around the world for the last 30 years,	30年来我环游世界
1002	starting with Oprah with the Automatic Millionaire.	由自动百万富翁Oprah开始。
1003	I launched this book on Oprah and I talked about,	我发行了这本书 关于奥普拉,我谈到,
1004	you have to save one hour day of your income	您必须节省一个小时的收入
1005	and people will get on these social media boards	人们会加入这些社交媒体
1006	and be like, I can't save 10% of my income.	我无法节省我10%的收入
1007	I can't live off 90% of my income.	我不能靠90%的收入维生
1008	It's not possible I have to spend all of it, right?	我不可能花光这一切,对吧?
1009	Well, then that person who's renting	那么那个租房的人
1010	and not buying a house, which is for savings,	不买房子,那是用来储蓄的,
1011	is clearly never going to save.	很明显是永远救不了的
1012	So the other thing about buying a house	还有买房子的事
1013	is it does require for savings	需要节省吗?
1014	because when you have a mortgage payment,	因为当你得到抵押贷款时
1015	part of that mortgage payment is paying down your debt.	抵押贷款的一部分是偿还你的债务。
1016	And I teach you how to use a bi-weekly mortgage payment plan.	我教你如何使用双周抵押付款计划。
1017	So you take a 30 year mortgage	所以你要30年的抵押贷款
1018	and you pay it off five years earlier	你五年前还了钱
1019	and doing that can save you,	这样做可以拯救你,
1020	depends on the size of the home,	取决于家庭的大小,
1021	can save you 50 to $100,000 just in interest payments.	可以节省50到10万的利息
1022	You talk about having a savings mindset.	你说有储蓄思维
1023	What is a savings mindset?	什么是储蓄心态?
1024	And how does one go about saving	怎样才能拯救
1025	if they are one of those people that says,	如果他们是说,
1026	listen, I'm barely getting by as it is, David.	听着,我几乎没怎么过日子,大卫
1027	Yeah.	对
1028	How the hell am I going to save money	我怎么省钱?
1029	when I'm actually increasingly getting	当我越来越得到
1030	into more debt right now?	变成更多的债务 现在?
1031	So the first thing is you have to find your money, right?	所以,第一件事是 你必须找到你的钱,对不对?
1032	So what I find, Steve, is when I talk to people,	所以我发现,史蒂夫, 当我与人们交谈,
1033	most people don't know where their money goes.	大多数人不知道他们的钱去了哪里。
1034	Literally, they don't know.	从字面上讲,他们不知道。
1035	They're like, how much money do you spend a month?	他们喜欢, 你花多少钱一个月?
1036	Well, I'm not really sure.	嗯,我不太确定,我还不知道
1037	How much money do you spend a year?	你一年花多少钱?
1038	Well, I'm not really sure.	嗯,我不太确定,我还不知道
1039	You need to be sure.	你必须要确定。
1040	So you should be doing something	所以你应该做点什么
1041	to track where your money goes.	追踪你的钱流向哪里
1042	Now, you can be sophisticated.	现在,你可以 精密。
1043	You can use an app that will track where your money goes.	你可以使用一个应用 跟踪你的钱流向。
1044	You can also take out a pad of paper.	你也可以拿出一张纸
1045	And I give people a seven-day financial challenge.	我给人们一个七天的财务挑战。
1046	For seven days, just bring a little pad of paper with you	七天,带点纸来
1047	and write down every single day where your money goes.	并写下每一天 你的钱去。
1048	Now, why do I want people to do that?	现在,为什么我要人们这样做?
1049	Because most people today are spending money unconsciously.	因为今天大多数人都在无意识地花钱.
1050	I go back to these phones.	我回到这些电话。
1051	The fact that I don't even have to carry a wallet anymore,	我甚至不用再带钱包了
1052	right?	对吧?
1053	It's just click, click, click and pay for things.	它只是点击,点击,点击和支付的东西。
1054	We've lost touch with spending money.	我们用钱已经失去联系了
1055	So when people start to see what they're really spending,	所以当人们开始看到 他们真正的花费,
1056	it's a wake-up call.	这是唤醒。
1057	The biggest thing I've been sharing lately	我最近分享过最大的东西
1058	is what does it take to blow $10,000 a year	一年要花一万块
1059	per day in terms of spending?	每日开支?
1060	How much money do you need to spend a day to blow $10,000?	要花一天花多少钱才能吹一万美元?
1061	Now, show us the, here,	现在,让我们看看,在这里,
1062	now we happen to have, these are,	现在我们碰巧有了,这些是,
1063	we have pounds today, right?	我们今天有磅,对不对?
1064	所以我在等 Stephen 现在
1065	I'm holding what is known as a brick.	我拿着一砖头
1066	So I don't know if your staff told you	所以我不知道你的手下有没有告诉你
1067	how much I'm holding here.	我在这里持有着多少。
1068	Do you know how much, what'd you guess I'm holding?	你知道我拿着多少钱吗?
1069	It looks like maybe $5,000.	看起来像五千块
1070	Okay, so this is a life-changing amount of money.	好吧,所以这是一个改变生命的钱。
1071	Stephen, this is $10,000 right here.	史蒂芬,这是一万块
1072	And what does it take to blow $10,000 in a year per day?	一年吹一万块要多少?
1073	How much money do you have to spend per day	每天要花多少钱?
1074	to go through $10,000?	一万块?
1075	I'll make it easy for you.	令诸方便.
1076	The answer is $27.40 a day.	答案是每天27.40美元。
1077	$27.40 a day adds up equaling $10,000 over the year.	全年每天27.40美元加起来等于10 000美元。
1078	Now, before we go through where do you spend this money	现在,在我们走之前,你在哪里花这些钱
1079	and how do you waste $27.40 a day,	每天浪费27.40美元,
1080	the question becomes if you didn't waste $27.40 a day	你一天不浪费27块40元,问题就成了
1081	and you were able to get yourself to invest $10,000 a year,	你每年能投资一万美元
1082	what could this be worth over time?	随着时间的推移,这有什么价值?
1083	And the answer is in 40 years,	答案是40年后,
1084	if this was in the S&P 500 fund, which you quoted earlier,	如果这是你之前引用的S&P 500基金
1085	and you earned 10% annually with reinvested dividends,	你每年以再投资股息赚10%
1086	that stack there would grow to over $4,400,000	那堆钱会增加到440万美元以上
1087	if you invested $27.40 a day.	如果你每天投资27.40美元
1088	Pass me this big brick.	把这块大砖递给我
1089	So if I save half of this a day,	所以如果我每天省下一半钱
1090	then in, did you say 40 years?	那你说40年了?
1091	In 40 years.	于四十年内.
1092	So let me give you the math	所以,让我给你的数学
1093	on a couple of different ways of doing this.	在几种不同的方式 做到这一点。
1094	Okay, so what would happen if you invested	好吧,如果你投资会怎么样?
1095	roughly half of this a day?	大约一天一半?
1096	The number I use is $27.40 a day.	我使用的号码是每天27.40美元。
1097	It's the magic number.	是魔数.
1098	That equals $10,000 a year.	相当于每年一万美元。
1099	If you invested that a day for 40 years,	如果你投资了40年
1100	you'd have over $4,424,000.	你会有超过4,424,000美元。
1101	If I invest $27 a day in 40 years,	如果我在40年里每天投资27美元
1102	I'll have $4 million.	我会有四百万
1103	Over $4 million.	超过400万美元。
1104	Let's go through the yeah-butts now	让我们通过 耶 -屁股现在
1105	because people are gonna hear this.	因为人们会听到这个。
1106	Some people are gonna go, wait, what?	有人会去,等等,什么?
1107	And then we'll talk about where you find $27.40 a day.	然后我们再谈你每天在哪里找到2740美元
1108	Yeah, but $4,400,000 won't be worth	是啊,但440万元不值钱
1109	a lot of money in 40 years.	40年里很多钱
1110	With inflation, it won't be worth that much.	随着通货膨胀,它不会值那么多钱。
1111	It won't have the same purchasing power.	它不会有同样的购买力。
1112	My answer would be it's worth a whole lot more than zero.	我的答案是,它的价值 超过零。
1113	If you're not saving any money,	如果你不省钱的话
1114	if you can't save $27.40 a day,	如果你一天不能节省27.40美元,
1115	you won't have $4,400,000.	你没有440万美金
1116	Yeah, but with taxes, it won't grow that much.	是的,但税, 它不会增长太多。
1117	Well, it could if it was in a retirement account.	如果在退休账户里就可以了
1118	You wouldn't be paying taxes on the money.	你不会付税的钱。
1119	Yeah, but it's not possible to earn 10% on my money.	是啊,但不可能用我的钱赚10%
1120	Well, the stock market for over 100 years	一百多年来的股票市场
1121	has averaged over 10% annually with reinvested dividends.	每年平均有10%以上的再投资红利。
1122	Yeah, but the stock market's risky and complicated.	是的,但股票市场的风险和复杂。
1123	Well, no, it's not.	嗯,不,这不是。
1124	If you bought an index fund,	如果你买了指数基金
1125	it's actually not that risky and complicated.	其实没那么危险和复杂
1126	Yeah, but I don't know.	对,但我不知道
1127	I don't know how to get started.	我不知道怎么开始
1128	Well, you could start really easily.	嗯,你可以很轻松地开始。
1129	You could open up a brokerage account.	你可以开个经纪账户
1130	You could go to a Charles Schwab, Fidelity.	你可以去找查尔斯・施瓦布 菲德尔蒂
1131	I mean, I'm literally gonna go through them all.	我的意思是,我字面上要去 通过所有。
1132	Vanguard, Robinhood, Coinbase, Acorns,	先锋 罗宾尼 库因巴 橡子
1133	and in less than 10 minutes,	不到十分钟
1134	you could open up an account and be saving,	你可以开户存钱
1135	pick a dollar amount, $5 a day, $10 a day, $27 a day,	一天5美元 一天10美元 一天27美元
1136	and that could change your life.	这会改变你的生活。
1137	Now, why is $10,000, Steve,	现在,为什么一万美元,史蒂夫,
1138	in such an important dollar amount?	这么大一笔钱?
1139	Here's why I can tell you, having done this for 30 years.	这就是为什么我可以告诉你, 这样做了30年。
1140	This dollar amount right here,	这个钱在这里,
1141	first of all, this is,	首先,这是,
1142	one in two Americans don't have $1,000	每两名美国人中就有一人没有一千元
1143	in a bank account right now.	现在在银行账户里
1144	So this is 10 times what one out of two Americans have.	这是两个美国人的10倍。
1145	But more importantly, $10,000, when we do surveys	但更重要的是,一万美元, 当我们做调查时
1146	and we ask people,	我们问人们,
1147	how much money would it take to totally change your life?	要花多少钱才能彻底改变你的生活?
1148	The answer's not a million dollars.	答无百万.
1149	The answer's not $100,000.	答无十万.
1150	The answer's actually 10,000.	答案其实是10,000.
1151	And the question is, why is it 10,000?	问题是,为什么是一万?
1152	And the reason is,	原因是,
1153	is that's about what the average person has	这就是普通人拥有的
1154	in credit card debt,	在信用卡债务,
1155	and they feel like they're drowning,	他们觉得自己快淹死了
1156	like you talked about earlier,	就像你刚才说的一样
1157	and they know that that could pay off their credit card debt.	他们知道这可以还清他们的信用卡债务
1158	Or they have a job they don't like,	或者他们有他们不喜欢的工作
1159	and they knew that if they had $10,000	他们知道,如果他们有1万美元
1160	in a savings account,	在一个储蓄账户中,
1161	they'd quit that job and they'd be free.	他们辞了那份工作,就自由了
1162	They'd have to go find another job.	他们得再找份工作
1163	Or start a business or something.	或起业业等.
1164	Or start a business.	或开业.
1165	Or, God forbid, they're in an abusive relationship	或者,上帝禁止,他们有虐待的关系
1166	and they can't leave.	他们不能离开。
1167	But if they had $10,000, they'd leave.	但是,如果他们有一万美元,他们会离开。
1168	So, you know, a lot of people go,	所以,你知道,很多人去,
1169	David, you just make this all too simple.	大卫,你太简单了
1170	And it's true.	亦复如是.
1171	I do.	当然
1172	Because when it's simple, people take action on it.	因为当它简单的时候 人们会采取行动
1173	So for years, I have taught this concept	多年来,我一直教这个概念
1174	called the latte factor.	叫做拿铁因子。
1175	A lot of people love me for it.	很多人都喜欢我
1176	Now I have a lot of people hate me for it.	现在有很多人恨我
1177	And I have taught that, you know,	我教过,你知道,
1178	we waste small amounts of money on a little thing.	我们把小钱浪费在一个小东西上。
1179	I had your staff bring me an iced coffee.	我让你的手下给我带了冰咖啡
1180	When I started teaching the latte factor,	当我开始教拿铁因子时
1181	I would talk about the idea	我想谈谈这个主意
1182	that we waste five bucks a day on coffee.	我们每天在咖啡上浪费五块钱
1183	And that if you don't believe	如果你不相信的话
1184	you can start saving and investing,	你可以开始储蓄和投资,
1185	at least save $5 a day.	至少每天省5块
1186	Make your coffee at home.	在家煮咖啡吧,谢谢
1187	And people would say, but I don't want to give up my coffee.	人们会说 但我不想放弃我的咖啡
1188	Okay, well then, figure out another way	好吧,那么,想个办法
1189	to save $5 a day.	一天节省5美元。
1190	This iced coffee, I don't know what it costs you in London.	这冰咖啡,我不知道它花费你在伦敦。
1191	In New York City, that coffee right there is $9.50.	在纽约市,那杯咖啡是9.50美元。
1192	Plus a tip, it's over 11 bucks.	加上小费,就超过11块钱.
1193	I know, because I was just in New York.	我知道 因为我刚刚在纽约
1194	So today we had a bunch of props here and I said,	所以今天我们这里有一堆道具 我说
1195	well, let's try to show like, what is $27.40?	好吧,让我们尝试展示 像,什么是27.40?
1196	Like when I go to my hotel later, when I leave here,	就像我后来去酒店的时候 当我离开这里的时候
1197	a cocktail is going to be 30 bucks, right?	鸡尾酒要30块,对吧?
1198	I was just in New York City,	我只是在纽约市,
1199	I had a cocktail in my hotel was $31.50.	我在酒店里喝了杯鸡尾酒31块50
1200	Wine, $50, eating out.	酒,五十,进食.
1201	You go and have lunch today, it's going to be $25.	你今天去吃午饭, 这将是25美元。
1202	And people say, well, I have to eat.	人们说,嗯,我得吃饭。
1203	And I go, I know you do,	而我去,我知道你这样做,
1204	but you could also brown bag your lunch.	但你也可以 棕袋你的午餐。
1205	It's what my grandmother did.	我祖母就是这样做的
1206	Now her friends teased her,	现在她的朋友嘲笑她,
1207	but my grandma was able to retire to California.	但我奶奶可以退休去加州
1208	And her friends all got stuck in Milwaukee, Wisconsin	她的朋友都困在威斯康辛州的密尔沃基
1209	where it was cold,	在那里,它是冷的,
1210	because they couldn't afford to retire the way she did.	因为他们无法像她那样退休
1211	How many people could actually save $27 a day?	到底有多少人每天能节省27美元?
1212	Because if I go back again, just over 10 years of my life,	因为如果我再次回去, 刚刚超过10年我的生活,
1213	I mean, there's no chance I could save $27 in a day.	我的意思是,没有机会 我可以省一天27美元。
1214	There's just no way.	没有办法了
1215	If you go back to what age?	如果你回到几岁?
1216	If I go back to between like 18, 19 years old,	如果我回到18到19岁之间
1217	roughly that period of my life, there was no way	在我生命的那一段时间里 没有办法
1218	I could have saved $27 a day.	我一天可以省27块
1219	Here's really the question.	这是真正的问题。
1220	Do you have friends,	你有朋友吗?
1221	and do you think you have people who work with you,	你认为你有 与你合作的人,
1222	who are making more than $50,000 a year,	年收入超过50 000美元,
1223	and they're not saving $27 a day?	他们一天不省27美元?
1224	They're not even saving $10 a day.	他们甚至连每天省10美元。
1225	This is true.	这是真的。
1226	I actually did a bit of research on this,	我确实做了一些研究
1227	and it says approximately 40 to 50 million families,	上面写着大约四千到五千万个家庭
1228	if we just take the United States,	如果我们只是拿 美国,
1229	where I think there's what,	在那里,我认为什么,
1230	330 million people roughly,	大约3.3亿人,
1231	approximately 40 to 50 million families in the US	美国约4 000万至5 000万家庭
1232	can realistically save $27 a day.	现实上可以每天节省27美元。
1233	This represents roughly the top 30 to 35% of households.	这大约代表了前30%至35%的家庭。
1234	For everyone else, the bottom 65 to 70%,	对其他人来说,最底层的65%到70%,
1235	saving that amount would require	节省这一数额需要
1236	either extreme poverty level budgeting	或赤贫水平的预算编制
1237	or is a mathematical impossibility.	或者数学上不可能
1238	Over 40 million people, they think,	超过4000万人,他们认为,
1239	can afford to save $27.50 a day?	一天能节省27.50美元?
1240	Yes, it's based on income and expenditure data	是的,这是基于收入和支出数据
1241	from 2025 to 2026.	从2025年到2026年.
1242	Approximately 40 to 50 million families in the US	美国约4 000万至5 000万个家庭
1243	can realistically save $27 a day.	现实上可以每天节省27美元。
1244	So for those 40 to 50 million people in the United States,	所以对于美国那四千到五千万人来说
1245	that would be life-changing.	那会改变生命
1246	Now, are there people who can't afford to save that?	现在,有没有人 谁负担不起 保存吗?
1247	Absolutely.	当然
1248	In the United States, I was just in Arizona.	在美国,我只是在亚利桑那州。
1249	I just did a keynote speech.	我刚做了个主旨演讲。
1250	I asked the audience,	我问观众,
1251	this is when the government was shut down.	这是政府被关闭的时候
1252	I said, how many people do you think in America	我说,你在美国想多少人
1253	are taking and receiving snap checks?	接受检查了吗?
1254	What's that?	这是什么?
1255	Thank you.	谢谢
1256	Because by the way,	因为顺便说一句,
1257	most Americans don't even know what a snap check is.	大部分美国人甚至不知道什么是快速检查。
1258	That's a check that the government gives to people for food.	这是政府给人们的食物的支票.
1259	And the dollar amounts a little over $6 a day.	美元每天要超过6美元
1260	So smart people in a room.	这么聪明的人在一个房间里。
1261	By the way, I didn't know the answer to this	顺便说一句,我不知道答案
1262	a week prior either.	都提前一个星期
1263	The answer is about 41 and a half million Americans	答案是4150万美国人
1264	get a snap check.	去检查一下
1265	When I told the room that, the room gasped.	当我告诉房间, 房间气喘吁吁。
1266	I said, so when you hear that the government	我说,所以当你听到政府
1267	was shut down for six weeks,	被关闭了六个星期,
1268	that was three pay cycles.	这是三个工资周期。
1269	Well, the average American	普通美国人
1270	doesn't have two weeks of expenses set aside.	没有预留两周的费用。
1271	I mean, I don't think everybody fully grasps	我的意思是,我不认为每个人都 充分把握
1272	the problem right now.	现在的问题。
1273	Four out of 10 Americans	10个美国人中有4个
1274	can't get their hands on $1,000	他们拿不到一千块
1275	in case of emergency purposes.	在紧急情况下。
1276	If you actually dig into the Federal Reserve data,	如果你真的挖掘 美联储的数据,
1277	it's 37% of Americans can't get their hands on $400	37%的美国人拿不到400美元
1278	in case of emergency purposes.	在紧急情况下。
1279	So there's a whole section of America	整个美国都有一部分
1280	that's truly struggling.	这是真正的挣扎。
1281	But there's a whole lot of America	但有很多美国
1282	that is still struggling.	这仍然在挣扎。
1283	They're living page to paycheck,	他们是活页工资,
1284	but their money's being taken from them all the time	但是他们的钱总是被拿走
1285	because they don't have a plan for it.	因为他们没有计划
1286	For that bottom 60% of Americans	对于那底层的60%的美国人
1287	that my research says wouldn't be able to save $27 a day,	我的研究表明每天不能节省27美元
1288	the data reveals a discretionary income cliff.	数据显示收入悬崖
1289	Once you drop below the top 40% of earners,	一旦你跌到收入最高的40%
1290	the money available after bills vanishes rapidly.	钞票迅速消失后可动用的资金。
1291	The top 20%, which I think earn $96,000 per household,	排名前20%,我认为每个家庭收入96,000美元,
1292	are in a surplus.	有盈余。
1293	The middle 20% have a $15,000 surplus,	中间20%有15,000美元的盈余,
1294	which the $27 a day takes 66% from.	每天27美元需要66%的收入。
1295	But the bottom 40% often have a roughly $2,000 surplus,	但最底层的40%经常有大约2000美元的盈余,
1296	so it's impossible for them to get to the $10,000.	所以他们不可能拿到一万美元
1297	For that bottom 40%, what's the advice for them?	对于40%的底部,有什么建议?
1298	Start with something.	从某事起.
1299	Okay, so we took this 50 and we said cut it in half 25.	好吧,所以我们拿了这个50,我们说把它减半25。
1300	I would say, can you save a dollar a day?	我想说 你能每天省一块钱吗?
1301	I have actually talked about this idea.	我确实谈过这个主意。
1302	Really simple, could you save $10 a day for 100 days?	很简单 你能每天省10美元100天吗?
1303	So if you're listening to me	所以,如果你听我说
1304	and you happen to really be struggling right now,	你碰巧在挣扎
1305	my question would be,	我的问题是,
1306	could you save $10 a day for 100 days?	你能每天节省10美元100天吗?
1307	Why?	为什么?
1308	Because it would get you your first $1,000.	因为它会给你的第一个1000美元。
1309	And you now have more than 50% of Americans	你现在有超过50%的美国人
1310	who don't have savings.	谁没有储蓄。
1311	And I can't tell you how many people have come back	我不能告诉你有多少人回来了
1312	after 100 days and said, okay, I did it.	100天后,我说,好吧,我做到了。
1313	It wasn't easy.	这可不容易
1314	For some people saving $10 a day	对有些人来说,每天存十块钱
1315	could be really, really hard,	可能真的,真的很难,
1316	but you're into fitness.	但你喜欢健身
1317	You saw my son who just came in here.	你看到我儿子刚进来
1318	Fitness is built through daily action, right?	健身是通过日常行动建立起来的 对吧?
1319	It's built through daily action,	它是通过日常行动建造的,
1320	daily eating well, going to the gym,	每天吃饭,去健身房
1321	doing certain things on a regular basis.	经常做一些事情
1322	Saving's the same thing.	救护亦复如是.
1323	There's a company called Acorns.	有个叫橡树的公司
1324	I invested in Acorns back in 2015.	我在2015年投资了橡树。
1325	Acorns came up with an app that helps you	橡子想出了一个帮助你的应用程序
1326	roll your change up.	把你的零钱卷起来。
1327	So if I go to Starbucks and I spend $9.50 on a coffee,	如果我去星巴克 花9块5的咖啡
1328	you can round it up where the 50 cents to 10 bucks	50美分到10美分,你就可以围起来
1329	is put into investments.	投入投资。
1330	Just rounding up your change.	只是整理你的零钱。
1331	And people have saved tens of thousands of dollars	人们拯救了数万美元
1332	over the last 10 years by just rounding up their change.	过去10年里, 仅仅通过整顿他们的变化。
1333	Every time I've tried to improve something in my life,	每次我尝试改善生活
1334	like my businesses, my health, my relationships,	就像我的生意,我的健康,我的关系,
1335	I've noticed that the biggest shifts	我注意到最大的变化
1336	have come from being better informed.	已经从更好的信息。
1337	And when it comes to our health,	至于我们的健康,
1338	most of us know very, very little.	我们大多数人知道非常,非常少。
1339	So when our team was approached about partnering	所以当我们的团队被联系到 关于伙伴关系
1340	with Function Health, it felt very much aligned.	与"功能健康",感觉非常一致.
1341	Their team has developed a way of giving you	他们的团队已经开发出一种方法给你
1342	a full 360 degree view of your health.	360度全景 健康。
1343	Many of the things that are going on in your body	你体内发生的很多事情
1344	in the form of different tests.	不同测试的形式。
1345	You do one blood draw and it gives you access	你做一个血画,它让你进入
1346	to over 160 lab results.	超过160个实验室结果。
1347	Hormones, heart health, inflammation, stress,	荷尔蒙 心脏健康 炎症 压力
1348	toxins, the whole picture.	毒素,整个画面。
1349	I use it and so have many of my team members.	我用它,我的许多队员也用它。
1350	You sign up and you schedule your tests.	你报名和安排你的测试。
1351	And once you're done, you get a little report	一旦你完成了,你得到一个小报告
1352	like the one I have here.	就像我这里的那个人
1353	I can see my in range results, my out of range results.	我可以看到我的范围结果,我的范围之外的结果。
1354	And there's a little AI function too.	还有一点AI的功能.
1355	So if I have any questions about my out of range results,	所以,如果我有任何问题 关于我的超出范围的结果,
1356	I can just go in there and ask it any question I want.	我可以进去问任何问题
1357	And these tests are backed by doctors	医生也支持这些测试
1358	and thousands of hours of research.	和数千小时的研究。
1359	It's $365 for a yearly membership.	每年会员额为365元.
1360	转到函数健康.com slash DOAC
1361	and use the code DOAC25 for $25 off your membership.	并使用代码DOAC25 对于你的会员25美元。
1362	I had a friend of mine contact me	我有一个朋友联系我
1363	and I spoke to one of the previous financial advisors	我跟前财务顾问谈过了
1364	and educators that I'd spoken to on the show about him.	和我在节目中说过的教育工作者
1365	He told me he was in deep financial debt,	他告诉我他欠了大笔钱
1366	probably earns about 50,000 pounds or dollars a year,	一年大概能赚5万英镑或美元
1367	but has got himself into real debt.	却陷入了真正的债务之中
1368	And I imagine a lot of my listeners are somewhat in debt,	我想象很多听众都欠债
1369	whether it's credit card debts or loans or others.	不管是信用卡债务还是贷款还是其他的
1370	Do you have any specific advice to people	你对别人有什么建议吗?
1371	that are currently straddled with debt?	目前负债累累?
1372	Absolutely, because it's one of the most important things	当然,因为这是最重要的事情之一
1373	you need to know how to get out of.	你需要知道如何离开。
1374	Debt is like quicksand.	债务就像流沙
1375	Like, you talked earlier about how you were in debt	喜欢,你早些时候谈到 你是如何负债
1376	and what that felt like.	还有那种感觉
1377	When I came out of college	当我从大学毕业时
1378	and I had $12,000 in credit card debt,	我有12 000美元的信用卡债务,
1379	it felt like the greatest weight on my shoulders.	感觉是我肩膀上最大的重量
1380	Like I was carrying like a 50 pound backpack	就像我背着一个50磅的背包
1381	and how did I get out of debt and how do you get out of debt?	我如何摆脱债务 你怎么摆脱债务?
1382	I will give you the very simple formula	我给你一个很简单的公式
1383	to getting out of debt.	摆脱债务。
1384	DOLP (英语).
1385	DOLP stands for Done On Last Payment.	DOLP代表最后付款完成。
1386	If you said to me, David, I've got five credit cards,	如果你对我说,大卫,我有五张信用卡
1387	I'd say, okay, Stephen, tear up his paper just like this	我会说,好吧,史蒂芬,把他的报纸撕成这样
1388	and I'd start listing your credit cards.	我会开始列出你的信用卡。
1389	I'd go one, two, three, four, five,	我会去一,二,三,四,五,
1390	and I'd list them all.	我会把它们都列出来
1391	Visa, MasterCard, and I'd list them.	签证,万事达卡,我会列出他们。
1392	And then I wanna know, how much do you owe?	然后我想知道,你欠多少钱?
1393	So I put the dollar amount down.	所以,我把美元数额。
1394	And what I would do is I put the dollar amount down on paper	而我会做的是,我把美元数额 降低在纸上
1395	and I'd list it small to large.	我会列举它小到大。
1396	Then I wanna know the interest rate.	然后我要知道利率。
1397	Now what people say is,	现在人们说,
1398	oh, you should take the highest interest rate	哦,你应该采取最高的利率
1399	and pay it off first.	先还钱
1400	But I wouldn't tell you that, Stephen.	但我不会告诉你,斯蒂芬。
1401	I'd tell you, you take the smallest credit card.	我告诉你,你拿最小的信用卡。
1402	I don't care what the interest rate is.	我不在乎利息是多少
1403	The smallest amount.	最小的金额。
1404	Smallest amount.	最细数.
1405	So maybe this card right here is $500	所以也许这张牌是500块
1406	and this card down here is 3,000.	这张牌是三千张
1407	I'd have you make minimum payments	我会让你支付最低金额
1408	on every card automatically.	每张卡片自动显示。
1409	This is really important, the automatic part.	这是非常重要的,自动部分。
1410	Have you go on, literally go into your house	你继续走,真的去你家
1411	and I'd open up your iPad	我会打开你的iPad
1412	and I'd have you make minimum payments online automatically	我会让你在网上自动支付最低金额
1413	so that every card's paid on time.	这样每张卡都按时支付
1414	Then I'd say, Stephen, how much extra money do you have?	那我说 Stephen 你还有多少钱?
1415	Because I want you to put it all towards the smallest card.	因为我希望你把它都放在最小的牌。
1416	We're gonna get that small card paid off	我们要把小牌还清
1417	as fast as possible.	尽可能快
1418	We're gonna add all the extra money to that small card.	我们把所有额外的钱都加进那张小卡里
1419	Minimum payments on everything.	最低支付的一切。
1420	Once that card's paid off, we're gonna go like this.	一旦那张卡还清了 我们就像这样走
1421	You don't have to close the account	你不必关闭账户
1422	because we don't wanna lower your credit score,	因为我们不想降低你的信用分数
1423	but we're gonna put that card over here and never use it.	但是我们要把牌放在这里 永远不要用它。
1424	Now we're gonna go to the next smallest card.	现在我们要去下一个最小的牌。
1425	Some people call this the snowball approach.	有人称这为"雪球方法".
1426	The reason I teach this system	我教这个系统的原因
1427	is it reduces the amount of credit cards you have	这能减少你的信用卡金额
1428	as fast as possible.	尽可能快
1429	And you see yourself make progress.	你看见自己进步了
1430	It's really important to see yourself make progress	看着自己进步真的很重要
1431	when you're doing anything financially.	当你做任何事情 在经济上。
1432	Then I would attack the interest rates.	然后,我会攻击利率。
1433	Because the interest rates aren't always permanent.	因为利率并不总是永久性的.
1434	You can negotiate your rates lower.	你可以低价谈判
1435	You can move credit cards to another card	可以将信用卡移动到另一张卡
1436	with a low interest rate.	利率低 利率低 利率低 利率低
1437	Have to be very careful though when you do that	你这样做的时候一定要非常小心
1438	because they're waiting for you to make a slip up	因为他们等着你犯错
1439	and make a late payment	并迟付
1440	and when they do,	当他们这样做的时候,
1441	they'll jack the credit card interest rates back up again.	信用卡利率又会回升
1442	You can also call up your credit card companies	您也可以拨打信用卡公司
1443	if you're really struggling and tell them,	如果你真的在挣扎 告诉他们,
1444	I'm struggling and I'd like to know	我在挣扎 我想知道
1445	if you have a program in place	如果你有一个程序
1446	where I can stop the interest rate	在那里我可以停止利率
1447	and pay these cards off in more accessible.	并支付这些卡 关闭更无障碍。
1448	Like this is basically what	碞钩硂妓
1449	the nonprofit credit card counseling organizations do.	非营利信用卡咨询组织也这样做。
1450	But the credit card companies	不过信用卡公司
1451	often have programs too for this.	经常有这样的程序。
1452	They'll tell you to stop using the card.	他们会告诉你停止使用卡片。
1453	They'll actually make it so you can't use the card anymore,	他们真的会成功的 这样你就不能用那张卡了
1454	but they'll stop the interest rate.	但他们会停止利率。
1455	So that approach has helped so many people	所以这个方法帮助了这么多人
1456	get out of credit card debt.	摆脱信用卡债务.
1457	Now I just want to say something super important	现在我只想说点非常重要的事
1458	because I've gone through this.	因为我经历了这个。
1459	When you go through the work	当你通过工作
1460	of getting out of credit card debt,	摆脱信用卡债务,
1461	it's a huge victory.	这是一个巨大的胜利。
1462	Don't go out and celebrate on the credit cards.	别出去在信用卡上庆祝
1463	Because I got myself out of credit card debt	因为我摆脱了信用卡债务
1464	in college junior year	高年级
1465	and then it went out and celebrated	然后它走出去庆祝
1466	and got myself back into credit card debt.	并让我回到信用卡债务。
1467	And people do this all the time.	人们总是这样
1468	Usually people get themselves in a hole	通常人们都会被困在洞里
1469	at least twice, sometimes three times.	至少两次,有时三次。
1470	Don't go back in a hole again.	别再进洞了
1471	I didn't carry credit cards for 30 years.	我30年没带信用卡了
1472	I only carried a debit card	我只带了一张借记卡
1473	and I had to pay it off every month.	我不得不每月还钱
1474	Should these people who are in the bottom sort of 60%	如果这些人在底层 排序60%
1475	be thinking at all about how to make more money?	想着怎么赚更多的钱?
1476	How to increase their income?	如何增加收入?
1477	Absolutely.	当然
1478	And what are the, like, the easiest ways to do that, that you'd recommend, just from your	你建议最简单的方法是什么?
1479	own experience of, you know, being in the professional world and...	自己的经验,你知道, 在专业世界和.
1480	So my experience, and I know that you, look, you wrote this great book, Diorama CEO, right?	所以,我的经验, 我知道你,你看, 你写这本伟大的书,狄奥拉马首席执行官,对不对?
1481	Anybody that hasn't read your book, you wrote this great book.	任何没读过你的书的人 你都会写这本书
1482	What's the best way to grow your income if you have a job?	如果你有工作,什么是增加收入的最好办法?
1483	It's to be good at what you do, right?	对你的工作很在行 对吧?
1484	You can have a job at minimum wage.	您可按最低工资标准工作。
1485	Let's pretend you work at McDonald's, and you have a job working minimum wage at McDonald's	让我们假装你在麦当劳工作, 你有一个工作最低工资 在麦当劳
1486	The owner of McDonald's, the guy who owns that franchise, or the gal that owns that	麦当劳的老板 那个拥有特许经营权的人 或者那个拥有这个的姑娘
1487	franchise, desperately needs good employees.	选举权,迫切需要好员工。
1488	Who becomes a manager that makes more money?	谁成为能赚更多钱的经理?
1489	The person who works really well.	工作的人真的很好。
1490	Now, a lot of people go, well, I don't know if I want to work at McDonald's.	现在,很多人去,嗯, 我不知道我是否想去麦当劳工作。
1491	I'm just giving you as an example.	我只是举个例子
1492	Anywhere you work, how you grow your income, is you are the best at what you do.	无论你在哪里工作, 如何增加你的收入, 你是最好的 你做什么。
1493	You show up early.	你来得真早
1494	You have a game plan at work.	你有游戏计划
1495	You work late.	你工作很迟
1496	You do what you say you're going to do.	汝当如是言.
1497	You don't wait to be told what to do, right?	你等不及要被命令做什么了 对吧?
1498	I've been an entrepreneur all my lifetime.	我一辈子都是个企业家
1499	The hardest thing about being an entrepreneur is what?	做企业家最难的是什么?
1500	Everything.	一切众生.
1501	It's everything.	谓一切法.
1502	And most people are entrepreneurs, well, a lot of times it's hard to have good people	大多数人都是企业家 很多时候很难有好人
1503	unless you're a good leader.	除非你是个好领导
1504	People are so thirsty to have jobs with purpose and meaning, and most people are actually	人们渴得要工作 目的和意义, 大多数人实际上
1505	looking for leadership.	寻找领导
1506	So if you can be really good at what you do, you will make more money.	所以,如果你能真正擅长你的工作, 你会赚更多的钱。
1507	There's no limit to wealth in the world, right?	世间财富无量,对吗?
1508	We've never seen so much wealth being created in our entire lives as right now.	我们从来没有见过如此多的财富 被创造在我们的整个生活 像现在。
1509	If I were a young lot of people, well, you should learn AI.	如果我是年轻人 你应该学会人工智能
1510	Yeah, you know what?	你知道吗?
1511	Probably you definitely should learn how to use AI because if you don't learn how to use	也许你应该学会如何使用人工智能 因为如果你不学会如何使用
1512	AI, you're going to have really limited skills and go into certain jobs.	AI,你会有 真的很有限的技能 并去某些工作。
1513	You know what else people are going to go out and do?	你知道别人还能做什么吗?
1514	Learn how to be a plumber.	学作水管工.
1515	Learn how to be an electrician.	学作电工.
1516	Learn how to put up garage doors.	学道置车库门.
1517	I've got friends, I was just recently on a podcast with a guy who's made a billion dollars	我有朋友,我刚在播客 和一个赚了十亿的人
1518	putting in garage doors, and he took me through his warehouse and showed me their garage door	把车库的门,他带我穿过他的仓库,给我看他们的车库的门
1519	models and I was like, you know, I've got a friend who makes gyms that go in garages.	我有一个朋友在车库里做健身房
1520	I just connected them.	我只是把他们连起来。
1521	He's got a huge business making gyms for garages.	他有一个巨大的生意 制造健身房的车库。
1522	There's just no limit to the amount of opportunities out there.	外面的机会是无限的
1523	You have to, though, get out of a stuck mind frame.	但是,你必须走出一个卡住的心理框。
1524	I mean, you had Tony Robbins here.	我的意思是,你有托尼・罗宾斯在这里。
1525	If there's anybody who can help you get out of the stuck mind frame, it's that guy, right?	如果有人能帮助你摆脱困境 那就是那个人 对吧?
1526	But you can't, you can't have the zigzag that they used to call it, stinking thinking.	但你不能,你不能有 zigzag 他们用它叫, 臭思想。
1527	You have to have the ability to look into the future and believe that your future can	你必须有能力 展望未来 相信未来可以
1528	be as exciting today or better.	今天还是更刺激
1529	I put up a post yesterday.	我昨天贴了个帖子
1530	I said, I would rather be an optimist and be wrong than a pessimist and be right.	我说,我宁愿是一个乐观主义者,而且错误而不是悲观主义者,而且正确.
1531	And you show me somebody who wants to make more money, go in the world an optimist and	你告诉我有人 谁想赚更多的钱, 去世界乐观主义者和
1532	figure out how to go make more money.	想办法赚更多钱
1533	Do you think a lot of this is a mindset at the core of it?	你觉得这里面有很多是心理问题吗?
1534	Obviously, there are real socioeconomic factors and there's people who live in certain	显然,有真正的社会经济因素 和人们生活在某些
1535	situations.	情况
1536	And if I think back to where I was born in Botswana, there's just less	如果我回想一下我出生在博茨瓦纳的地方 就会有更少
1537	opportunity and sometimes you have repressive governments and other factors that will	有时你还有镇压性政府和其他因素
1538	objectively keep you stuck.	客观上让你卡住了
1539	But all other things being equal, how much of the game is mindset?	但是,所有其他事情是平等的, 多少游戏是心态?
1540	It always comes down to a decision.	总是有决定的
1541	And we started by talking about my grandmother.	我们开始谈论我的祖母。
1542	If my grandmother hadn't made a decision at 30 that she didn't want to be poor, she	如果我奶奶30岁的时候没有做一个决定 她不想贫穷,她
1543	was tired of living paycheck to paycheck.	厌倦了活的薪水
1544	She hadn't decided that she would go out and teach herself about money and take 50	她没有决定要出去 教自己钱,拿50块
1545	cents of her paycheck and 50 cents from my grandfather's paycheck and start investing.	她的薪水还有我祖父的薪水50分 开始投资
1546	I wouldn't be here today.	我今天不会在这里。
1547	She made a decision that had a ripple effect through our family.	她做了一个决定 对我们的家庭产生了波澜效应
1548	She built financial security for herself with that one decision.	她用这个决定为自己建立了财务保障。
1549	She taught my father how to invest and he was a financial advisor for over 45 years.	她教我父亲投资 他当了45年的财务顾问
1550	My sister's a financial advisor.	我妹妹是个财务顾问
1551	I was a financial advisor.	我是财务顾问
1552	I spent the last 30 years teaching people about money.	过去30年我教别人钱
1553	One woman's decision had this ripple effect.	一个女人的决定产生了这种连锁反应.
1554	So one thing I say to people who are listening, especially the moms, sometimes you got to	所以,我说一件事,正在听的人, 特别是妈妈, 有时你必须
1555	make a decision that's not just for you.	做一个不只是为你的决定。
1556	You're actually making a decision for your family and you can come up with a list of	你实际上在为你的家人做决定 你可以想出一个清单
1557	reasons why this stuff won't work.	为什么这些东西不起作用。
1558	Somebody who's watching this show or listening to us right now, they're already	现在在看节目或听我们说话的人 他们已经
1559	interested in this.	对这个感兴趣
1560	That's why they're here.	是故众生.
1561	Now they're here for a couple of reasons, either A, they're hurting financially and	现在他们来这里有几个原因 不管是A还是A 他们都在经济上受到伤害
1562	they know they need to fix something.	他们知道他们需要 修复的东西。
1563	Great.	不错
1564	Start where you are, fix what needs to be fixed.	从你在哪里开始 修补需要修补的东西
1565	Some people are like, you know, I think I'm doing pretty well, but I'm not sure if I'm	有些人喜欢,你知道, 我想我做得很好, 但我不确定如果我
1566	doing everything well.	一切顺利
1567	You know, I've opened up my Roth IRA or I've opened up my 401k plan, putting some	你知道,我已经打开我的罗斯爱尔兰共和军 或者我已经打开我的401k计划,放一些
1568	money away, but I don't know if I'm putting enough money away.	但是我不知道我是不是把足够的钱拿走了
1569	Then you can improve what you're doing.	然后可以改进你的工作。
1570	Some people are like, I'm renting.	有些人喜欢,我租。
1571	I think I would like to buy a house someday.	我想有一天我会买个房子
1572	All right, make that a goal.	好吧,做一个目标。
1573	I teach three buckets when it comes to money, three baskets.	我教三桶当钱,三篮.
1574	Pay yourself first for retirement.	先自付退休费.
1575	We haven't even talked about emergencies yet.	我们甚至还没有谈论过紧急情况。
1576	Putting aside, putting aside money for emergency purposes, have to talk about that.	搁置,留钱用于紧急用途,必须谈这个.
1577	You got to, you got to get more money put aside for emergency purposes and then	你一定要,你得到更多的钱 被放在紧急用途,然后
1578	building a dream account.	建立梦想账户。
1579	You need to put money away for your dreams.	你需要把钱放进梦里
1580	Those three accounts should be automated.	这三个帐户应该自动化。
1581	And on that point of having three accounts, you call it a future account, an emergency	说到三个账户 你称之为未来账户 紧急情况
1582	account and a dream account.	账户和梦想账户。
1583	How much of your earnings should you be putting into each of those accounts on a	你应该把收入的多少 投入到每个账户上
1584	monthly basis?	每月一次吗?
1585	All right.	好吧,我们走。
1586	So keep super simple.	所以保持超简单。
1587	I recommend one hour a day.	我建议每天一小时
1588	Again, this is earlier, it's twelve and a half percent of your gross income.	同样,这是更早的, 这是你总收入的12%半。
1589	When you say one hour a day, you mean one hour of the time you work per day.	当你说每天一个小时,你指的是每天一个小时的工作时间.
1590	Yeah.	对
1591	So whatever you make an hour, if you're working a 40 hour workweek, twelve and a	所以,不管你赚一个小时, 如果你工作 40小时每周,十二和一个
1592	half percent of your gross income goes off the top into a retirement account.	一半的毛收入从头到尾 进入退休账户。
1593	Now, let me just say something up for the yeah butters.	现在,让我只说一些 上面的黄油。
1594	They're like, I can't go from zero to 12 percent.	他们喜欢,我不能 从0到12%。
1595	There's no way.	法无生法.
1596	Then start at one percent.	然后从1%开始。
1597	If you're not saving right now and you're listening to us and all you do when you	如果你现在不储蓄,你正在听 我们和所有你做,当你
1598	leave this podcast is make one decision and that decision is I'm going to save one	离开这个播客是做出一个决定, 决定是我要保存一个
1599	percent of my income and you start that this month, your life will change.	我收入的百分之百 你从这个月开始 你的生活就会改变
1600	Your life will change because you start the process of making a difference.	你的人生会改变 因为你开始改变
1601	It's just like the first day you go to the gym.	就像你第一天去健身房一样
1602	Now, I will tell you, if you save one percent of your income, you won't notice it.	现在,我会告诉你,如果你节省了1%的收入, 你不会注意到的。
1603	And if you did that every month for a year, at the end of the year, you would have	如果你一年中每个月都这么做 在年底 你就会
1604	12 percent and you will be saving four times what the average American saves and	12%,你会节省 4倍于平均美国节省和
1605	you will be in a rock star shape.	你会成为摇滚明星
1606	Then the second hour, this is where people's minds blow up.	然后第二个小时,这就是人们的思想爆炸的地方。
1607	But the second hour, the first hour goes for the future.	但是第二个小时,第一个小时是未来。
1608	The second hour goes for safety and for dreams.	第二小时是为了安全,为了梦想
1609	So 30 minutes of your income, roughly five percent should go into an emergency	所以30分钟的收入, 大约5%应该进入紧急情况
1610	account and another five percent goes into a dream account.	和另外5%进入梦中账户。
1611	Now, that dream account could be for buying a house, could be saving money for	现在,这个梦的账户可能是用来买房子的, 可能是用来存钱的
1612	college, could be the vacation you want to take at the end of the year, could be	大学,可能是你想 在年底的假期,可以是
1613	getting married, could be the engagement ring, but you're putting money away for	结婚,可能是订婚戒指, 但你把钱拿了
1614	your dreams because when you put money away for your dreams, that's how they	你做梦是因为当你把钱放进梦里的时候
1615	become real.	变得真实。
1616	And, you know, the book is called The Automatic Millionaire.	这本书叫做"自动百万富翁"
1617	This is a book that sold over two million copies on its own.	这本书靠自己销量超过两百万份.
1618	Why did you use the word automatic?	你为什么用自动词?
1619	Unless your financial plan is automatic, it will fail.	除非你的财务计划是自动的 否则会失败的
1620	How do I know this?	我怎么会知道?
1621	Because I spent nine years as a financial advisor at Morgan Stanley and I got to see	因为我在摩根斯坦利当了九年财务顾问 我得看看
1622	firsthand everyone who came into my office with an ordinary income, who built	以普通收入进入我办公室的每个人 第一手
1623	wealth, they did it by saving automatically.	财富,他们通过自动储蓄。
1624	Every single time a client came into my office and they said, I'm going to bring	每次有客户来我办公室 他们说,我会带
1625	you a check every month myself.	你每个月都有一张支票
1626	I never had a client save for more than six months.	我从来没有客户 除了超过六个月。
1627	They stopped.	他们停下来了。
1628	Once you make the decision to automate your financial life, it works in the	一旦你决定 使你的金融生活自动化, 它在
1629	ưμ㼯A
1630	Now, here's the thing.	事情是这样的
1631	Everybody else is already doing this to you.	其他人都已经这样对你了
1632	You go to a gym to go work out.	你去健身房锻炼一下
1633	They don't ask you to bring them money every month.	他们不要求你每月带钱给他们
1634	They automatically bill you.	他们自动给你开账单
1635	You get a phone bill.	你得到一个电话账单。
1636	They automatically bill you.	他们自动给你开账单
1637	Today, in many cases, when you rent, they automatically pull the money out of your	今天,在很多情况下,当你租房的时候, 他们自动从你的钱里抽出来
1638	account.	账户。
1639	The banks automatically take money from you for your mortgage.	银行会自动从你那里拿钱作为抵押
1640	When you pay taxes, they're all automated.	当你交税时,它们都是自动化的.
1641	Everyone takes money from you automatically.	每个人都自动从你身上拿钱
1642	Everything that you sign up for on your phone is a subscription service.	所有你报名的电话都是订阅服务。
1643	Netflix.	网易财经.
1644	Go through your credit card today.	今天去查查你的信用卡吧
1645	Open up your phone.	把手机打开
1646	Look at all your subscriptions.	看看你所有的订阅。
1647	All those businesses are taking money from you automatically.	所有那些企业都自动从你身上拿钱
1648	Why?	为什么?
1649	That's the only way they can be in business.	他们只有这样才能做生意
1650	They know if they don't get money from you automatically, you won't keep using them.	他们知道,如果他们不从你那里自动得到钱, 你就不会继续使用它们。
1651	Most people who start off with a free subscription, it'll take them three to six	大部分都是免费订户的人 需要三比六
1652	months to turn off something that they don't use.	几个月后关掉他们不使用的东西
1653	I'm here getting people to automate their financial life for themselves.	我在这里让人们 自动化 他们的财务生活为自己。
1654	Is there simple ways, apps, tools, websites we can use to go through all of our	是否有简单的方式,应用程序,工具,网站 我们可以用来通过我们的所有
1655	subscriptions and turn them all off?	订阅和关闭全部?
1656	Yes, there are.	是的,还有。
1657	So let me tell you the easiest way.	让我告诉你最简单的办法
1658	This is really actually free publicity for Apple.	这其实是苹果的免费宣传。
1659	Because so many people have Apple phones.	因为很多人都有苹果手机
1660	Number one, only do your subscriptions inside of Apple.	第一,只在苹果内部订阅
1661	In an ideal world, don't pay anybody directly.	在理想的世界里,不要直接付钱给任何人.
1662	Do it all through Apple.	全部通过苹果公司完成.
1663	Why?	为什么?
1664	Because if you go to the bottom of your phone and you don't know how to do this	因为如果你去你手机的底部 而你不知道如何做到这一点
1665	and you put subscriptions, up will pop everything that you signed up for.	你把订阅, 升会弹出所有 你报名。
1666	And you can go click, click, click and turn them all off.	你可以点击,点击,点击,然后把它们全部关掉。
1667	Another thing I will tell you is that when you sign up for anything, let's say	还有一件事我要告诉你 当你报名参加任何活动时
1668	it's a one year, because everything has a one year trial subscription or a one	一年,因为每件事都有一年的试用期或一年的
1669	month trial subscription.	每月试用费。
1670	The moment you sign up for it, shut it off.	你一报名就把它关掉
1671	Because what happens is if you sign up for anything and think of any subscription	因为会发生什么,如果你注册什么 想到任何订阅
1672	you can imagine, companies hate me for this.	你可以想象,公司恨我这一点。
1673	The moment you shut it off, when the time comes for it to renew, they will offer	当你关闭它的时候 当它更新的时候,他们会提供
1674	you a better deal to renew.	你有一个更好的交易 续约。
1675	Okay, so I've opened up my phone.	好吧,所以我打开了我的手机。
1676	I've gone to the settings.	我去了环境。
1677	I've clicked on my name in the settings and then I've clicked on the button	我在各种场合点击我的名字 然后点击按钮
1678	subscriptions.	订阅.
1679	I have one, two, three, four, five, six, seven, eight, nine, 10, 11, of which	我有1,2,3,4,5,6,7,8,9,10,11,其中,
1680	three of them I would keep.	三个,我会保留。
1681	So all these other ones have just been running in the background and it's	所以所有这些其他的 刚刚运行 在背景,它是
1682	because I used an app one time and it signed me up to some kind of free trial.	因为我曾经用过一个应用软件 它让我接受免费审判
1683	And I just totally forgot to cancel it.	我只是完全忘记取消它。
1684	Oh my God, some of them are massive.	哦,我的上帝,有些是巨大的。
1685	So as you do this, what you're doing right now is a real life example.	所以当你这样做的时候,你现在正在做的是一个现实生活中的例子。
1686	So if someone's listening to us watching this, they're married, they've got kids	所以如果有人在听我们看, 他们结婚了,他们有孩子
1687	or they're single by themselves.	或者他们独自一人
1688	This one exercise, my guess is there are many, many people listening that could	这一次,我猜, 有很多,很多人听 可以
1689	find $50, $100, $200 a month.	一个月找50美元100美元200美元
1690	They could shut off and redirect that money to saving and investing and that	他们可以关闭 和转移资金 储蓄和投资
1691	could change your life.	可能改变你的生活。
1692	Are there other apps you can use and go to to figure out how to cancel or leave	是否有其他的应用程序可以使用,并去寻找如何取消或离开
1693	your subscription?	你的订阅费?
1694	So there are, and most of these apps you have to pay for, right?	所以有,并且大多数这些应用 你必须支付,对不对?
1695	So like you can go to, so then you're right back into paying for now.	所以,你可以去, 所以,你现在正回到支付。
1696	Probably the two most popular apps are Monarch and YNAB.	两个最受欢迎的应用程序可能是Monarch和YNAB.
1697	You can also use your credit cards.	您也可使用信用卡。
1698	The credit card comes in doing a better job of showing it on your statements.	信用卡来做一个更好的工作 在你的报表上显示它。
1699	And again, I go back to the Apple example because Apple makes it the	再说一遍,我回到苹果的例子,因为苹果使它
1700	easiest to shut these off.	把这些都关掉比较容易
1701	Maybe some of you will be spending $100 a month.	也许你们中有些人每月要花100美元
1702	So I did $100 a month and it says if you invest, if you sort of cancel those	所以我一个月做了100美元 上面写着如果你投资 如果你取消那些
1703	subscriptions and invest $100 per month for 40 years, an annual rate of return of	40年来每月订阅和投资100美元,年收益率
1704	about 10%, which is roughly what you get if you just put it into some of the big	大约10%,这是你得到的, 如果你只是把它一些大
1705	tech index funds at the moment.	目前的技术指数基金.
1706	The total money you'll have in 40 years is $632,000, which is a staggering,	40年后你总共能赚到632 000美元 这太惊人了
1707	life-changing amount of money.	改变生命的金钱
1708	It's staggering.	令人惊骇.
1709	And let me just give some very specific investments for people to consider,	让我给大家一些非常具体的投资 让他们考虑一下
1710	right?	对吧?
1711	And they still need to do their own due diligence and read prospectuses and yes,	他们仍然需要做自己的尽职调查 并读出计划书,是的,
1712	there's risk involved in the stock market.	股市有风险
1713	But the first one I would talk about and look at, these are all listed in my book	但我想谈的第一个,看看, 这些都在我的书上列出
1714	because I just want to give you, because people are like, what's an index fund?	因为我只是想给你, 因为人们喜欢, 什么是指数基金?
1715	What do I buy?	我买什么?
1716	Look at the Vanguard Total Stock Market Fund.	看"先锋总股市基金".
1717	符号为VTI.
1718	This is actually the largest index fund in the world.	这是世界上最大的指数基金。
1719	There's trillions of dollars now in this fund.	这个基金现在有好几万亿美元。
1720	I talk about it in the book.	我在书里说了
1721	I looked up the annual returns of VTI.	我查了VTI的年回报
1722	The last 10 years have been 14%.	过去十年是14%。
1723	14% annually.	每年14%。
1724	This fund has 3,500 stocks, all the biggest US stocks.	这个基金有3500种股票,都是美国最大的股票.
1725	So you don't have to figure out what stock to buy.	所以你不用想出买什么股票
1726	You buy this fund.	你买这个基金。
1727	You buy an exchange-rated mutual fund.	你买一个交换评级的互助基金。
1728	You have access to 3,500 great American companies.	你有3500个伟大的美国公司
1729	I'll give you another stock index fund I love.	我会给你另一个股票指数基金 我爱。
1730	And everybody can buy this on their phone right now, probably.	每个人现在都可以用手机买这个
1731	Literally.	当然
1732	You can go to Vanguard, Schwab, Fidelity.	你可以去前锋,施瓦布,菲德尔蒂
1733	This is an ETF, so it's available everywhere.	这是一个ETF,所以它到处都有。
1734	It股.
1735	And if you want to figure out how to do this, and you're listening right now,	如果你想想出办法 你现在在听
1736	what I'd do is use ChatGBT or Gemini and put in the stock, the funds that has been said,	我要做的是使用ChatGBT或双子座 并放入股票 资金已经说,
1737	and ask it, how do I invest in this in the country that I'm in?	问一下,我如何在这个国家投资?
1738	What app do I need to use?	我需要用什么应用程序?
1739	What website do I need to use?	我该用什么网站?
1740	Again, this is not investment advice.	这又不是投资建议。
1741	Well, I guess it kind of sounds like it is.	听起来有点像
1742	Well, someone says, okay, but I'm in wherever I am.	好吧,有人说,好吧, 但我在任何地方我。
1743	I'm in the UK.	我在英国
1744	What's an index fund in the UK that covers the UK?	英国什么指数基金能覆盖英国?.
1745	I'll give you the global version of VTI, because I own these funds.	我会给你全球版本的VTI, 因为我拥有这些资金。
1746	So the global version of VTI is a symbol, which I'm going to give you in our Vanguard fund.	因此,全球版本的VTI是一个符号,我将在我们的先锋基金中给你这个符号.
1747	When you say you own these funds, for clarity, you mean you've invested in them?	你说你拥有这些钱,为了澄清, 你是说你投资了?
1748	Yeah, I've got money in these mutual funds.	是的,我有钱在这些共同基金。
1749	So this other fund, because I want money, my personal money that's in the stock market,	所以,这个其他基金, 因为我想要钱, 我的个人钱,在股票市场,
1750	I am one third global investments and I'm two thirds US investments.	我是全球投资的三分之一,我是美国投资的三分之二。
1751	So I have a lot of global index funds.	我有很多全球指数基金。
1752	This global index fund, the symbol is VEA, because this is the Vanguard global	这个全球指数基金,符号是VEA, 因为这是先锋全球
1753	index fund without US stocks.	没有美国股票的指数基金。
1754	Symbol again is VEA.	符号又是VEA.
1755	That fund last year, and it won't always be like this because global investments have	去年的基金,不会总是这样 因为全球投资
1756	underperformed the US for a long period of time.	长期表现不佳的美国.
1757	That fund last year was up 35%.	去年的基金增加了35%。
1758	Last year, global investments significantly outperformed the US investments.	去年,全球投资的绩效大大超过美国的投资。
1759	And the US investment market was up on average at 17%.	美国的投资市场平均上升了17%。
1760	So the US markets were up 17% or higher, and global investments were up 30% or higher.	因此,美国市场上升17%或更高,全球投资上升30%或更高。
1761	There will be a point in time, Steven, without a shadow of a doubt, that we will see a market	一定有时间,史蒂文 毫无疑问,我们会看到市场
1762	pullback.	退后,我们走
1763	And when that day comes, you have to stay the course and keep investing automatically,	当那一天来临,你必须坚持下去,并不断自动投资,
1764	monthly.	每月一次。
1765	And then I'm going to give you a tech fund because everybody wants to know,	然后我要给你一个技术基金 因为每个人都想知道,
1766	what should I invest in?	我该投资什么?
1767	That is, should I invest in AI tech fund?	也就是说,我应该投资 AI技术基金?
1768	And my answer would be is you don't need an AI tech fund.	而我的答案是 你不需要AI技术基金。
1769	You need the best tech fund that's existed in my lifetime.	你需要我一生中最好的技术基金
1770	And that's the NASDAQ 100 ETF.	这是纳斯达克100ETF。
1771	And the symbol for that is QQQ.	象征着... ...
1772	So go and look, go into whatever you're using and go look up QQQ, read about the top 100	所以,去看看,去 进入任何你使用 和去抬头看,看 关于前100
1773	stocks in the NASDAQ and the returns for QQQ.	纳斯达克的股票和QQ的回报。
1774	I mean, actually in top of my mind right now, I think it's over 20%.	我的意思是,实际上在我的头 现在,我认为它超过20%。
1775	But look up what is the QQQ total return been for the last 10 years?	但看看过去10年的总回报是多少?
1776	I can tell you since I put money in QQQ, it's gone up tenfold.	我可以告诉你,自从我把钱放进... ... ,它已经增加了十倍。
1777	Now, the market's been unbelievable and there will be pullbacks.	现在,市场是不可思议的, 将会有退缩。
1778	And that is also why I should say this, even because we haven't even addressed this.	这也是为什么我应该这样说, 即使我们甚至还没有解决这个。
1779	I don't run around telling people to put all their money in the stock market.	我不会到处叫人把钱都放进股票市场
1780	I also don't think that young people should be putting all their money in the stock market.	我也认为年轻人不应该把他们所有的钱都投入股票市场.
1781	I think one of the greatest myths out there is that when you're young,	我认为最伟大的神话之一 在那里是,当你年轻,
1782	you should take a lot of risk.	你应该冒很大的风险
1783	Let me say that one more time because it's super important.	让我再说一遍,因为它非常重要。
1784	So make sure it sits.	故须定坐.
1785	Everyone says when you're young, you should take risk.	大家都说年轻时应该冒险
1786	The problem with that advice is that today people in their 20s and their 30s are taking	这个建议的问题是,今天,20岁和30多岁的人正在接受
1787	a lot of risk.	风险很大
1788	They're not just putting money in index funds.	他们不只是把钱 指数基金。
1789	They're putting money in meme coins.	他们把钱放进铸币局
1790	They're putting money in meme stocks.	他们把钱在meme股票。
1791	They're putting money in NFTs.	他们把钱在NFT。
1792	They're on social media and TikTok watching people day trade.	他们通过社交媒体和TikTok观看人日交易.
1793	They're trying to get into options.	他们试图进入选择。
1794	What they're really trying to do is get rich quick.	他们真正想做的是迅速发财
1795	All I can tell you is the older guy in the room here,	我只能告诉你 房间里那个老家伙
1796	people who try to get rich quick stay broke forever.	那些想赚大钱的人会永远破产
1797	And the problem with taking too much risk with your money when you're young is if you keep,	你年轻的时候拿钱冒太多的风险 问题是如果你坚持
1798	if you do everything right,	如果你做的一切对,
1799	let's just say you shut off all your subscriptions and you're saving $200 a month,	假设你关闭了所有的订阅 每月节省200美元
1800	but you put that $200 a month into a junk investment and you turn around in 10 years	但你把每月200美元投入垃圾投资 10年后转身
1801	and you have nothing to show for it, you'll stop investing.	你没有什么可以展示的, 你会停止投资。
1802	Looking at the QQQ data.	看数据。
1803	So this is the NASDAQ 100.	这就是纳斯达克100
1804	So this invests in the top 100 companies in America.	这投资了美国100强的公司。
1805	And the NASDAQ Stock Exchange.	还有纳斯达克证券交易所.
1806	The returns over the last 10 years from 2016 to 2026,	从2016年到2026年这十年的回报,
1807	the annualized returns have been roughly 19%.	年回报率约为19%。
1808	The total return of that period has been roughly 480%.	这一时期的总回报率约为480%。
1809	So a $10,000 investment 10 years ago would now be worth approximately $60,000 today	十年前投资一万元 现在价值六万元
1810	if you've done nothing.	如果你什么都没做的话
1811	And nothing.	也没什么
1812	Never added to it.	从没加过
1813	Over the last 20 years, the annualized returns,	在过去的20年里,每年的回报,
1814	the return every year has been 15% with a total return over that period of 1,500%.	每年的回报率为15%,同期的总回报率为150%。
1815	Again, so if you've added $10,000 to it 20 years ago and done nothing,	再说一遍,如果你20年前加了一万元 却什么都没做
1816	you would have roughly $170,000 today.	今天你大概有17万块
1817	So here's the beauty of what you just did.	这就是你刚刚做的好事
1818	You checked my advice, you looked at the data,	你检查了我的建议, 你看的数据,
1819	and now you know what has been done in the past, right?	现在你知道过去做过什么了吧?
1820	Let me give you a super boring fun.	让我给你一个超级无聊的乐趣。
1821	I'm not sponsored by Vanguard.	我没有得到先锋的赞助
1822	I'm just giving generic vanilla stuff here.	我只是给 通用香草的东西在这里。
1823	Look up the Vanguard Balanced Fund.	查查前卫的平衡基金
1824	So right, Vanguard Balanced Fund.	所以,前锋平衡基金。
1825	And the Vanguard Balanced Fund is 60% stocks and 40% bonds.	而先锋平衡基金则是60%的股票和40%的债券.
1826	That, by the way, is the most typical asset allocation,	顺便说一句,这是最典型的资产分配,
1827	the difference between stocks and bonds in the world.	世界股票和债券的差别。
1828	The average retiree has a portfolio that's about 60% stock and 40% bonds.	平均退休人员拥有约60%的股票和40%的债券的投资组合.
1829	You look up the Vanguard Balanced Fund,	你看看前卫的平衡基金
1830	and what you're going to find is that fund has averaged over 8% annually since inception.	你将会发现的是,基金自创立以来 平均每年超过8%。
1831	It is as boring an investment as they come.	这就像他们来的投资一样无聊。
1832	So if someone says, well, I don't want to be 100% stocks.	所以如果有人说 我不想成为100%的股票
1833	I just want to be more conservative, but I want some stock exposure.	我只是想更加保守, 但我想要一些股票曝光。
1834	The Vanguard Balanced Fund is a great example.	先锋平衡基金是一个很好的例子。
1835	I list all these funds in the Automatic Millionaire.	我列出所有这些资金 在自动百万富翁。
1836	One of the kind of funds I talk about the most	我谈论最多的基金之一
1837	is what's called a target-dated mutual fund.	这就是所谓的目标日期共同基金。
1838	I don't know if you guys have a 401k plan.	我不知道你们有没有401k计划
1839	We have something similar.	我们有类似的东西。
1840	Okay.	摆
1841	So in the US, if you have a 401k plan,	所以在美国 如果你有401公里计划
1842	what you're going to find when you open up your 401k plan	当你打开你的401k计划时 你会找到什么
1843	is you have what are called target-dated mutual funds.	您是否有所谓的目标日期共同基金。
1844	This is a one-stop mutual fund solution to your investing all the way until you retire,	这是一个一站式共同基金解决方案 你的投资一直直到你退休,
1845	and it will be divided among stocks and bonds,	将分股票和债券,
1846	and it will be what's called rebalanced automatically as you get closer to retirement.	这将是所谓的 重新平衡 随着你接近退休。
1847	So it'll go from being more stocks when you're young, less stocks as you get older.	所以当你年轻的时候,它会从更多的股票, 少的股票随着你的年龄的增长。
1848	There are trillions of dollars now in these target-dated mutual funds.	这些目标日期共同基金现在有数万亿美元。
1849	When I wrote the Automatic Millionaire 20 years ago, it's just getting started.	20年前我写《百万富翁自动》的时候 才刚开始
1850	This automatic solution to investing has changed the game of investing for millions of Americans.	这种投资的自动解决方案改变了数百万美国人的投资游戏.
1851	That's why there's 24 million millionaires,	这就是为什么有2400万百万富翁,
1852	and that's why there's now $45 trillion in retirement accounts.	这就是为什么现在退休账户有45万亿美元。
1853	We have a brain budget.	我们有脑部预算
1854	The way to think about it is we have a limited amount of energy	我们的能量是有限的
1855	that we can spend every single day.	我们可以花一天的时间。
1856	I'm saying find ways to simplify your life.	我是说 想办法简化你的生活
1857	One way I've conserved my body budget is via our sponsor, Factor,	我节省身体预算的方法之一 就是通过我们的赞助商,Factor,
1858	who are a meal delivery service.	他们是送餐服务。
1859	They are especially great because they make fresh meals,	他们特别棒,因为他们做新鲜的饭,
1860	and they cater to so many different diets.	和它们满足 这么多不同的饮食。
1861	High protein, keto, vegan, vegetarian, low-carb, gluten-free, paleo diets, you name it.	高蛋白质 素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素,食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素,食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食素食
1862	Every meal is designed by a dietician, made by chefs, and delivered right to me.	每顿饭都是由一位餐饮师设计,由厨师制作,并直接交给我.
1863	Fresh and never frozen.	新鲜又不冷
1864	So if you're ready to streamline your food intake,	所以,如果你准备好 精简你的食物摄入,
1865	visit factormeals.com slash diary 50 off and use my code diary 50 off to get 50%	使用我的密码日记 50 得到50%
1866	off your first factor box plus free breakfast for one year.	你的第一个因素盒外加免费早餐一年。
1867	And this offer is only valid for new factor customers	这个提议只对新要素客户有效
1868	with code and qualifying auto review subscription patches.	带有代码和资格自动审查订阅补丁。
1869	Over the years, people have reached out asking me for mentorship,	这些年来,人们一直联系 问我的导师,
1870	but the challenge I've always faced is that my calendar doesn't permit me to help every	但我一直面临的挑战是 我的日历不允许我帮助每一个
1871	single person that reaches out.	单人 伸出。
1872	So when I know I can't personally help,	所以当我知道我无法亲自帮忙时
1873	I try to push people towards tools that I think can.	我试图把人们推向我认为可以的工具。
1874	And that's why I wanted to tell you a little bit about a resource	这就是为什么我想告诉你一些 关于资源
1875	that I think will be great for those of you who are	我认为对你们中那些
1876	founders of small and medium-sized businesses.	中小型企业的创始人。
1877	It's a content series that our long-time show sponsor, Vodafone, has created.	这是我们的长期节目赞助商沃达丰创作的内容系列.
1878	It's called Vodafone Business Dot Connected.	它被称为Vodafone 商业点连接。
1879	你会在YouTube上找到的
1880	This series delivers the knowledge that founders today need to grow their company	这个系列提供今天创始人 需要培养公司的知识
1881	in the digital age.	在数字时代。
1882	There you'll learn about personal branding, cybersecurity, scaling, e-commerce companies,	在那里你会了解个人品牌 网络安全 规模化 电子商务公司
1883	and through conversations with many founders who I've invested in	并通过与许多创始人的对话 我投资
1884	and worked closely with, the opaque picture of building a business will become clear.	和密切合作,建立企业的不透明情况将变得清晰。
1885	Some of those founders I've invested in in the series include Christiana Brenton from Flight Story,	我在系列中投资过的一些创始人 包括"飞行故事"的克里斯蒂安娜·布伦顿
1886	Marissa Poster from Perfect Ted, Leo Harrison from Chapter Two,	玛丽莎海报 来自完美泰德,里奥哈里森 从第二章,
1887	and Georgia Gibson, who I've partnered with, to buildsteven.com.	我和乔治娅·吉布森合作过,
1888	And these are just a few of the great names involved.	这些只是其中几个伟大的名字。
1889	搜索Vodafone Business Dot Connected 学习更多.
1890	The other book that you wrote, which sold incredibly, incredibly well,	你写的另一本书, 卖得惊人,令人难以置信
1891	is this book about smart couples finish rich.	这本书是关于聪明的情侣 完成富裕。
1892	That's the title.	即是标题.
1893	Smart couples finish rich.	聪明的情侣 完成富裕。
1894	Nine steps to creating a rich future for you and your partner.	九步为你和你的伙伴创造丰厚的未来.
1895	As it relates to how rich or wealthy you become,	至于你变得多富多富
1896	the person you choose and the way that you configure that relationship.	选择的人,以及你如何配置这种关系。
1897	How consequential is that?	这有多严重?
1898	It's everything.	谓一切法.
1899	Really?	真的吗?
1900	It can be everything.	它可以是所有的东西。
1901	Why?	为什么?
1902	You're married?	你结婚了?
1903	I'm married.	我结婚了
1904	Yeah.	对
1905	So why can it be everything?	那为什么是一切?
1906	Because here's what happens in the real world, Steven.	因为在现实世界中会发生什么 史蒂文
1907	Often, we marry our financial opposite.	通常,我们结婚 我们的经济相反。
1908	So I always joke, like I used to do a lot of seminars for couples,	所以,我总是开玩笑, 就像我以前做 很多研讨会的情侣,
1909	and I'd say there's two types of people that are born in the world.	我想说世上有两种人
1910	One person comes out literally with a calculator,	一个人从字面上出来了 一个计算器,
1911	and they're born to track where all the money goes,	他们天生就追踪所有的钱流向哪里
1912	and they love to budget, and they're super excited about investing.	他们喜欢预算 他们对投资非常兴奋
1913	That's one kind of person.	这是一种人。
1914	The other kind of person loves to shop, loves to spend money.	另一种人喜欢购物,喜欢花钱.
1915	Almost inevitably, those two people hook up.	几乎不可避免地,那两个人勾搭在一起。
1916	Now, sometimes two people who like to spend money marry.	有时候有两个喜欢花钱的人结婚
1917	That's a disaster because they end up broke.	那是一场灾难 因为他们最终分手了
1918	So now, what do you do about the couple that's got their financial opposites?	那么,现在,你做什么 夫妇谁有 他们的财务对立?
1919	That's what led to smart couples finish rich,	才导致聪明的情侣发财
1920	because if you are married to your financial opposite,	因为如果你嫁给了你的经济反面,
1921	you will fight about money all the time.	你会为钱而战
1922	And fights about money are what lead to divorce.	而争钱是导致离婚的原因.
1923	They're the number one cause of divorce.	他们是离婚的头号原因。
1924	The real key in what I've been teaching now for over two decades	真正的钥匙 我教了20多年
1925	is the way you get couples on the same page when it comes to money	是你们在金钱问题上 让夫妻们在同一页上
1926	is you start with your values.	你从你的价值观开始。
1927	So you look at what do you really value most together as a couple.	所以,你看什么是你们真正最 价值作为一对夫妇。
1928	You put the money aside for a second.	你把钱放一边了
1929	You go through your values.	你通过你的价值观。
1930	What's most important to you?	对你最重要的是什么?
1931	What do you really care about?	你真正关心的是什么?
1932	You talk about your values,	你谈论你的价值观,
1933	and then you build a financial plan around what's really most important to you.	然后,你建立一个财务计划 围绕什么 真正对你最重要的。
1934	You say that there's six worst money mistakes that couples make,	你说情侣们犯了六个最糟糕的失误
1935	and the first of those is not deciding who is responsible for what.	并且其中第一个不是决定谁对什么负责。
1936	Yeah.	对
1937	So often in a relationship, one person pays the bills.	在一个关系中,经常有一个人支付账单。
1938	Okay.	摆
1939	Who's managing the money?	谁在管理钱?
1940	Now, I used to say in every household there should be at least one person	我以前说每个家庭至少应该有一个人
1941	that's paying the bills and the other person is managing the money,	这是支付账单, 而另一个人管理的钱,
1942	meaning that they're in charge of the investments,	这意味着他们负责投资,
1943	that you still get together and go through it.	你们还是会聚在一起 经历这一切
1944	As I've gotten older, I've really realized how important this is,	随着我长大了,我意识到 这有多重要,
1945	because I go back to the fact that the average age is 59.	因为我回到平均年龄是59岁的事实。
1946	Average age of widowhood is 59.	寡妇的平均年龄为59岁。
1947	I'm 59 now.	我现在59岁了
1948	I've had three best friends already pass away, all men,	我有三个最好的朋友已经去世了,所有的男人,
1949	and they passed away before they were 57.	他们57岁之前就去世了
1950	So all of these statistics that I talk about, I'm seeing them come true.	因此,我所说的所有这些统计, 我目睹了它们成真。
1951	And I will tell, especially to the women, hear me loud,	我会告诉,尤其是女人, 大声听我说,
1952	hear me on this loud and clear, but this is important for the men too.	听清楚了,这对男人也很重要
1953	The question you need, this is hard to hear,	你需要的问题,这很难听
1954	the question you have to ask yourself is if your partner died today,	你不得不问自己 你搭档今天是不是死了
1955	what would you need to know about the finances?	你对财务有什么了解?
1956	And the answer is everything.	答案就是一切 答案就是一切 答案就是一切
1957	Now, what does that mean, everything?	这是什么意思,一切?
1958	That means you would need to know where is the money?	这意味着你需要知道钱在哪里?
1959	Does he have money in an old 401k plan?	他在401k的旧计划里有钱吗?
1960	Does he have money in an IRA account?	他在爱尔兰共和军的账户里有钱吗?
1961	Does he have money in a bank account?	他在银行账户里有钱吗?
1962	What are the passwords to get into the accounts?	入帐密码是什么?
1963	Where's the will?	遗嘱呢?
1964	Six out of 10 people listening to us today don't have a will.	今天听我们说话的人中有六人没有遗嘱.
1965	You have to have a will.	你必须有遗嘱。
1966	At any age.	在任何年龄。
1967	At any age, especially if you're in a relationship,	在任何年龄, 特别是如果你在一个关系,
1968	you have to have a will.	你必须有一份遗嘱。
1969	If you have kids, you have to have a will.	如果你有孩子, 你必须有一个遗嘱。
1970	Is there life insurance?	有人寿保险吗?
1971	You know, so many people today who have children	你知道,今天这么多人 谁有孩子
1972	don't have life insurance and they don't have assets.	没有人寿保险 他们没有资产
1973	You should at least get a million to $2 million term policy.	你至少应该得到一百万到两百万的定期政策。
1974	Super inexpensive, protect your family.	超便宜的,保护你的家人。
1975	You have to run the drill, right?	你必须运行钻头,对不对?
1976	Like we got on a plane, we flew here today.	就像我们搭上飞机一样,我们今天飞到这里。
1977	The first thing they do on a plane before you take off	在你起飞前他们首先在飞机上做的事
1978	is they talk to you about what to do in case of emergency purposes.	他们跟你谈了在紧急情况下该怎么做
1979	The mask is going to come down, you can put it on your face.	面具要掉下来了 你可以放在脸上
1980	Okay, you get on a cruise boat.	好吧,你上游轮。
1981	The first thing you do is talk about what you're going to do	你要做的第一件事是谈论你将要做的事
1982	if the cruise boat's got a problem.	如果游轮有问题的话
1983	You're going to go get in these emergency boats.	你要上这些紧急船只
1984	You need to run the fire drill for your family on finances.	你得为家里人进行财务消防演习
1985	I almost died like it's now been four years ago.	我差点死了 就像四年前一样
1986	My wife found me face down, passed out.	我妻子发现我脸朝下,昏倒了
1987	I was brought to the hospital in Florence.	我被带到佛罗伦萨的医院
1988	I was in a coma for four days.	我昏迷了四天了,我还不知道
1989	I was in the hospital for 17.	我在医院里待了17年
1990	I had meningitis.	我脑膜炎。
1991	When I came out of just like a movie,	当我出来 就像一部电影,
1992	I'm laying down in the hospital.	我躺在医院里
1993	Doctor's looking over me.	医生在看我
1994	Doctor says, do you know what your name is?	医生说,你知道你的名字吗?
1995	I said, it's David.	我说,这是大卫。
1996	He's very good.	他很厉害
1997	He said, your last name is?	他说,你的姓是?
1998	I said, it's Bach.	我说,这是巴赫。
1999	He says, do you know where you are?	他说,你知道你在哪里吗?
2000	I go, yeah, I'm in Milan.	我去,是的,我在米兰。
2001	I just had an ankle surgery	我刚做了个脚踝手术
2002	because I had had an ankle surgery two weeks prior,	因为我两周前做过脚踝手术
2003	two weeks before that.	两周前
2004	And he says, no, no, you're in Santa Maria Novella.	他说,不,不,你在圣玛丽亚诺韦拉。
2005	You're in the ICU.	你在重症监护室
2006	We're treating you right now for meningitis.	我们正在治疗你的脑膜炎。
2007	But now that you've opened up your eyes,	但既然你睁开了眼睛
2008	you're going to be okay.	你会没事的。
2009	You're safe now.	你现在安全了
2010	And then they brought my wife in.	然后他们把我妻子带进来了
2011	They said, do you know what her name is?	他们说,你知道她叫什么名字吗?
2012	And I made a joke.	我开玩笑的
2013	I said, it's Rebecca.	我说,这是丽贝卡。
2014	She was like, whoo.	她喜欢,哇。
2015	I go, honey, I can still be a smart ass in the hospital.	我走了,亲爱的,我还能在医院里当个聪明的混蛋
2016	It's Alasia.	这是阿拉西亚。
2017	And she starts screaming and yelling.	她开始尖叫和喊叫。
2018	And she's like, oh my god, oh my god, he's okay.	她就像,哦,我的上帝, 哦,我的上帝,他没事。
2019	But Stephen, the truth was I wasn't okay	但史蒂芬,事实是我不好
2020	because when you get meningitis, you get brain swelling.	因为一旦脑膜炎发作 脑部就会肿胀
2021	So I couldn't remember things.	所以我不记得了
2022	I couldn't remember my passwords to the bank account.	我不记得银行账户的密码了
2023	I didn't know the passwords to my phone number anymore,	我都不知道电话号码的密码了
2024	to my phone.	到我的电话。
2025	One of the things I did when I came out of the hospital,	我出院时做过一件事
2026	because I always manage the money,	因为我总是管理钱,
2027	is I said to my wife,	我对我妻子说,
2028	we're going to hire a financial advisor	我们要雇个财务顾问
2029	and you have to be involved in what's going on.	你必须参与到事情中去
2030	We actually had yesterday our annual account review	我们昨天真的做了年度账户审查
2031	because I tell couples,	因为我告诉夫妇,
2032	you've got to have an annual account review either together	你们必须进行年度账户审查
2033	and if you have a financial advisor,	如果你有财务顾问,
2034	you're at a minimum with your financial advisor.	你至少和你的财务顾问在一起
2035	And I didn't want to cancel the appointment	我不想取消约会
2036	because even though you guys invited me to come here,	因为即使你们邀请我来这里
2037	I'm like, I'm keeping the appointment.	我像,我保持预约。
2038	We'll fly your flute this morning.	我们今早会飞你的笛子
2039	And so again, having worked at Morgan Stanley	在摩根斯坦利工作过
2040	for nine years and been a financial advisor,	做了九年财务顾问
2041	I've seen too many couples not do this,	我见过太多的情侣没有这样做,
2042	including sadly, Stephen, my dad just recently passed away	包括悲哀,斯蒂芬, 我爸爸刚刚去世
2043	and my dad was in the money management business his whole life.	我父亲一生都在钱管行工作
2044	So he managed the money.	所以他管理钱。
2045	And my mom was not involved.	我妈妈没参与进来
2046	And when my dad passed away,	当我爸去世时
2047	we had to just like my book,	我们不得不喜欢我的书,
2048	step in and help my mom with everything.	进来帮我妈妈处理一切
2049	Now she's lucky.	现在她很幸运了
2050	She's got two kids in the business.	她有两个孩子在生意。
2051	But as she did, my mom was just a ripe,	但正如她所做的, 我妈妈只是一个成熟,
2052	waiting example of somebody who could be taken advantage of.	等待一个可以被利用的人的例子。
2053	So the time to learn about money is before there's a problem.	所以学钱的时机在问题出现之前.
2054	If you took smart couples finishers,	如果你把聪明的夫妇 完成者,
2055	honestly, Stephen, it's designed to be a roadmap for two people together	老实说 史蒂芬 这是两个人的路线图
2056	where you can sit down	在那里你可以坐下来
2057	and go through this book chapter by chapter together,	并逐章阅读这本书,
2058	starting with just organizing your financial information,	从整理你的财务信息开始
2059	putting everything into file folders.	将所有文件放入文件文件夹。
2060	It starts the conversation	开始对话了
2061	and then talking about your values,	然后谈论你的价值观,
2062	then talking about your dreams,	然后谈论你的梦想,
2063	then going into, well, what do you want to share?	然后进入,嗯,你想分享什么?
2064	You know, you have a very, I don't know all your stuff,	你知道,你有一个非常,我不知道你的一切,
2065	but I've followed you for years.	但我跟踪了你好几年了
2066	I told you I'm a fan of yours.	我说过我是你的粉丝
2067	I've got your book.	我有你的书。
2068	I've watched your podcast.	我看过你的播客了
2069	I've listened to you now for years.	吾今听汝数年.
2070	As your business is expanding,	随着你生意的扩大
2071	your life is getting more complicated.	你的生活越来越复杂了
2072	God forbid something happens to you tomorrow.	愿上帝保佑你明天发生什么
2073	Yeah, it'd be a fucking nightmare.	是啊,这将是一个他妈的噩梦。
2074	And she's your fiance.	她是你的未婚夫 她是你的未婚夫吗
2075	She wouldn't even know where to start.	她甚至不知道从哪里开始。
2076	And I don't know if she would know who to call.	我不知道她是否知道该给谁打电话
2077	So it's a worthwhile conversation.	所以,这是一个值得的对话。
2078	Like I just had this guy in the show and I don't know.	就像我刚才有这家伙在节目 我不知道。
2079	Maybe we really need to like, you know, involve you a little bit.	也许我们真的需要,你知道, 让你参与一点点。
2080	I was just looking at some of the data here	我只是看看这里的一些数据
2081	and it says that in terms of income ignorance,	它说,在收入无知方面,
2082	according to a 2021 study by Fidelity Investments,	根据菲德尔利奇投资公司2021年的研究
2083	nearly 40% of couples could not even identify	近40%的夫妇甚至无法识别
2084	how much their partner earned.	他们的搭档赚了多少钱
2085	It says in terms of financial infidelity,	它说在财务不忠,
2086	surveys from bankrate and creditcards.com	来自银行利率和信用卡的调查.com
2087	consistently find that up to 40% of adults share	一致发现,高达40%的成年人占
2088	that they have kept financial secrets,	他们保守了财务秘密,
2089	which is hiding cash, hiding bank statements	隐藏现金 隐藏银行对账单
2090	and hiding debts that they have from their romantic partner.	并隐藏着他们对浪漫伴侣欠下的债
2091	That's almost half.	这几乎是一半。
2092	And you pointed out this earlier on, which is the CFO dynamic.	你早些时候指出,这是CFO的动态。
2093	In many households, one spouse acts as the chief financial officer	在许多家庭中,配偶一方担任首席财务官
2094	and research indicates that roughly 50% of couples	研究表明,大约50%的夫妇
2095	have a non-managing spouse who has little to no idea	有非管理配偶 几乎不知道
2096	how much money the family have total.	家里有多少钱
2097	They don't know where it is and they don't know the passwords.	他们不知道在哪里 他们不知道密码
2098	It can sound scary.	听起来很可怕
2099	It can sound intimidating.	听起来很可怕
2100	And yet I can tell you every day,	但我每天都可以告诉你,
2101	people who actually kind of do this basic stuff	做这些基本事情的人
2102	that we've talked about,	我们谈过的,
2103	once you start to do it, you feel a lot better.	一旦你开始做, 你会感觉好多了。
2104	You feel better instantly.	你立即感觉好点了
2105	You don't have to go from having no savings	你不必去没有储蓄
2106	to having a million dollars to feel better.	拥有一百万美金来感觉更好。
2107	If you just start automatically saving some money,	如果你只是开始自动储蓄一些钱,
2108	paying yourself first,	先付钱给自己
2109	the moment you make that decision, you'll feel better.	当你做决定的时候 你会感觉好点
2110	You go and you turn off some subscription fees	你去,你关闭一些订阅费
2111	like you just looked at.	就像你刚才看到的一样
2112	The moment you do that, you'll feel better.	当你这样做的时候,你会感觉更好。
2113	It's literally like a financial muscle.	这就像一个金融肌肉。
2114	You start to build this financial muscle	你开始建立这种金融实力
2115	when you start to take action.	当你开始采取行动。
2116	It is action that changes your life.	改变你人生的是行动
2117	I always say, I wrote all these books.	我总是说 这些书都是我写的
2118	If a person buys a book, reads it, and doesn't do anything,	如果一个人买了一本书,读了它,不做任何事情,
2119	then I was a form of entertainment.	然后,我是一种娱乐形式。
2120	If you listen to a podcast on money and you don't do something,	如果你听播客讲钱却不做点什么
2121	then we were, again, a form of entertainment.	然后,我们再次是一种娱乐形式。
2122	My purpose for doing this podcast today,	今天我做播客的目的,
2123	why I got on a plane and flew out here immediately	为什么我坐飞机 飞来这里
2124	to do this with you,	和你做这个,
2125	was I want to try to change somebody's life today.	我想改变某人今天的生活
2126	I've always taken the approach of like,	我总是这样
2127	I want to change a person's life one person at a time.	我想一次改变一个人的生活
2128	And sometimes the things I share are hard to hear,	有时我分享的东西 很难听到,
2129	but I also know they wake people up.	但我也知道他们把人们吵醒了
2130	You had this great, great quote in this book.	这本书里有一句很棒的话
2131	I was showing this today to my son.	我今天正给我儿子看这个
2132	For those of you who can't see me,	你们这些看不见我的人
2133	I'm holding Stephen's book, A Diary of the CEO,	我拿着Stephen的书 《首席执行官日记》
2134	which also sold millions of copies.	还卖了上百万份
2135	And this is your quote on page 233.	这是你的第233页的引文。
2136	I wonder if you remember your quotes	我想知道你是否记得你的引用
2137	because sometimes you forget them, right?	因为有时候你会忘记他们,对吧?
2138	If you want long-term success in business, relationships, and life,	如果你想在商业、关系和生活中 长期取得成功
2139	you have to get better at accepting uncomfortable truths	你必须要更善于接受不舒服的真相
2140	as fast as possible.	尽可能快
2141	When you refuse to accept an uncomfortable truth,	当你拒绝接受一个不舒服的真相时
2142	you are choosing to accept an uncomfortable future.	你选择接受一个不舒服的未来
2143	The one thing that wasn't in this quote was money.	引文中唯一没有的就是钱.
2144	And everything we're talking about is,	我们谈论的一切都是,
2145	I'm like, you're going to work $90,000 over your lifetime.	你一辈子要工作九万元
2146	If you don't pay yourself first	如果你不先付钱
2147	and you have nothing to show for it,	你没有什么可展示的,
2148	the uncomfortable truth is you will be broke.	令人不舒服的事实是 你会破产。
2149	We haven't talked about global issues	我们还没讨论过全球问题
2150	and government issues and debt.	问题和债务问题。
2151	Why do you have to take care of yourself financially right now	为什么你现在要照顾好自己?
2152	more than ever before?	比以前更厉害?
2153	Because the future is about to radically change.	因为未来即将发生巨大变化。
2154	And I will talk out of both sides of my mouth for a second.	我会从我两边的嘴里说出来
2155	Number one, I believe the next 10 years, hands down,	第一,我相信接下来的十年,双手放下来,
2156	will be the greatest opportunity to build wealth in our lifetime.	这将是我们一生创造财富的最大机会。
2157	AI is going to create so much wealth	AI要创造这么多财富
2158	that we've never seen anything like it.	我们从未见过这样的事情
2159	When you look at the returns in the stock market from last year,	看看去年股市的回报
2160	they're a result of AI.	这是AI的结果。
2161	What's happening is AI is making companies	发生的事是AI在制造公司
2162	more profitable and more productive than they've ever been.	比以前更有利可图,更富有生产力
2163	The downside is people are losing their jobs.	缺点是人们正在失去工作。
2164	You've had people on the show,	你已经有人在节目,
2165	including Tony Robbins talking about this,	包括托尼・罗宾斯 谈到这一点,
2166	and there are going to be a lot more of those job losses.	还会有更多的工作损失
2167	So some people are going to get much wealthier	所以有些人会更有钱
2168	and then a whole lot of other people are going to have a challenge.	然后很多人会面临挑战
2169	But there's another problem that we're not talking enough about,	但还有另一个问题 我们说的不够多,
2170	and that is the safety nets of governments.	这就是政府的安全网
2171	All these safety nets that were created in the U.S.,	所有这些安全网 在美国,
2172	Social Security, Medicare, Medicaid, unemployment,	社会保障、医疗保险、医疗补助、失业、
2173	you can go through every single country.	你可以通过每一个国家。
2174	All of these things are called entitlement programs,	所有这些东西都叫做权利方案,
2175	which is a fancy word for saying	说来话长
2176	the government made a promise to you	政府答应你
2177	and a whole lot of people are dependent on that promise,	很多人都依赖这个承诺
2178	and there's not enough money to pay for those promises.	没有足够的钱来兑现承诺
2179	So like in the U.S., you take Social Security.	所以,像在美国, 你拿社会保障。
2180	The average Social Security check right now is $1,900.	目前平均社会保障支票为1900元.
2181	Not a lot of money, but about 60 million Americans	不是很多钱,而是六千万美国人
2182	depend on that amount of money.	要靠那笔钱
2183	In the U.S., Social Security, this is government data,	在美国,社会保障, 这是政府的数据,
2184	not me, you can do all this stuff online.	不是我,你可以在网上做所有这些事情。
2185	The government is telling us that in 2033, that's around the corner,	政府告诉我们,在2033年, 在拐角处,
2186	that Social Security is going to be underfunded	社保资金将会不足
2187	and they're going to have to cut the benefits.	他们不得不削减利益。
2188	Now what they're talking about is cutting the benefits by 20%.	现在,他们所说的是 削减20%的福利。
2189	You have a lot of Americans that that's going to be a real problem for.	你有很多美国人 这会是一个真正的问题。
2190	Every country's got this issue because people are living longer,	每个国家都有这个问题 因为人们活得更久
2191	governments have more debt than they've ever had.	政府的债务比以前多
2192	I am here to tell you, it's a cliche term, but no one's coming to save you.	我来告诉你,这是一个陈词滥调, 但没有人来救你。
2193	You're going to have to save yourself	你一定要自救,你必须自救
2194	and you're going to have to take your personal financial well-being	你将不得不拿 你的个人经济福利
2195	more seriously now than ever before.	现在比以前更严重了
2196	And if you do, you will be in great shape.	如果你这样做,你会 在伟大的状态。
2197	If you don't, you will be dependent on a system that is buckling.	如果你不这样做,你将依赖于一个 正在打击的系统。
2198	One of the things in your, I think it's the sixth point of the six things	你的其中一件事,我想这是六件事中的第六点
2199	that couples get wrong is waiting too long to pay off the mortgage.	情侣犯错 等待太久 无法偿还抵押贷款。
2200	What do you mean by that?	这是什么意思?
2201	I actually had a friend contact me and ask this.	其实我有个朋友联系我问这个
2202	They said, Stephen, I've got some cash that's been given to me.	他们说,史蒂芬,我得到了一些现金给我。
2203	Through an inheritance, should I pay off my mortgage or should I go invest	通过继承,我应该还清抵押还是去投资
2204	in the stock market and the S&P 500 or something else?	在股票市场和S&P 500还是别的什么?
2205	Yeah.	对
2206	I didn't know what to say because I'm not a financial advisor.	我不知道该说什么 因为我不是财务顾问
2207	If you called me up and you said, David, what should I do?	如果你打电话给我 你说,大卫,我该怎么办?
2208	I'd go, Stephen, what's the rate on your mortgage?	我会去,史蒂芬,你的房贷利率是多少?
2209	Then you'd say, well, David, I got a mortgage five years ago and it's two and a half percent.	然后,你会说,嗯,大卫, 我得到了抵押贷款 五年前,这是2%半。
2210	I'd say, okay, well, that's a really low rate, Stephen.	我说,好吧,好吧, 这是一个非常低的比例,斯蒂芬。
2211	You know what?	你知道吗?
2212	You can put the money in a money market account right now and make more than that.	你可以把钱放进一个货币市场账户 赚得更多
2213	So maybe you don't need to rush to pay it off as fast as possible.	所以也许你不用急着付账
2214	But if you've got a mortgage at six or seven or eight percent, it's a no-brainer.	但是,如果按六七或八个百分点的抵押贷款,则是无脑者.
2215	The biggest thing I can tell you about paying down your mortgage early is actually really simple.	我可以告诉你的关于提前还贷最大的事情 其实很简单。
2216	Here's ways to do it.	以此为法.
2217	If you make one extra payment a year on a mortgage, you'll take a 30-year mortgage	如果你每年多付一笔抵押贷款 就要30年的抵押贷款
2218	and you'll pay it off, depends on the rate, five, six, seven years sooner.	你会付的,取决于利率, 五,六,七年的早。
2219	So you can go online.	这样你就可以上网了
2220	You can run a calculator.	你可以运行一个计算器。
2221	Today you don't even need calculators.	今天你甚至不需要计算器
2222	Just run the question.	问吧
2223	You put in your mortgage.	你把贷款放进去了
2224	You tell Jim and I, here's the size of my mortgage.	你告诉吉姆和我,这是我的贷款规模。
2225	Here's my mortgage payment.	这是我的抵押款。
2226	If I make an extra payment a year, how many years faster will I pay it off?	如果我一年多付一笔钱 还要花多少年才能还清?
2227	And how much will I save?	我还能省多少钱?
2228	And you'll see the number.	你会看到号码。
2229	When people see the number in black and white, they go, oh, I've got to do that.	当人们看到黑白的数字, 他们去,哦,我必须这样做。
2230	Now, here's the key.	现在,这是关键。
2231	Make that payment automatic.	使支付自动。
2232	The easiest way you make your payment automatic is either make one extra payment at the end	你最容易自动付款的方法 就是在最后多付一笔
2233	of the year or take your mortgage payment and increase it by 10%.	或接受抵押贷款并增加10%。
2234	So if your mortgage payment is $1,000, make an $1,100 a month mortgage payment and tell	所以如果你的抵押贷款是1000美元, 每月支付1100美元抵押贷款,并告诉
2235	the bank you want to add that to the principal.	银行,你想要 添加到本金。
2236	When people do that, they need to make sure, though, that money is actually paying down	当人们这样做, 他们需要确保,虽然, 该钱实际上是支付
2237	the principal.	校长
2238	Another way to do that is a bi-weekly mortgage payment plan, where you take your mortgage,	另一种方式是双周抵押付款计划 在那里你接受抵押贷款
2239	you split it in half, you pay half every two weeks.	你每两周付一半钱
2240	That'll also pay your mortgage off early.	这也能提前还清你的抵押贷款
2241	Prenup to agreements.	协议前协议。
2242	I'm engaged.	我订婚了
2243	Yep.	对
2244	Should I be getting a prenup?	我应该得到一个婚前协议?
2245	So I would tell anyone who's getting married, number one, if your incomes are not the same,	所以我会告诉任何人 谁结婚,第一, 如果你的收入是不一样的,
2246	you should get a prenup.	你应该有婚前协议
2247	Number two, if you both have good incomes, you should get a prenup.	第二,如果你们都有好收入,就应该有婚前协议.
2248	Number three, if you're in your 30s, you should get a prenup.	第三,如果30多岁,就应该有婚前协议.
2249	You would never go into a business without a contract.	没有合同你绝不会去做生意
2250	Marriage is the ultimate contract.	婚姻是最终契约。
2251	It just is.	就是这样
2252	Now, is it romantic to do a prenuptial agreement?	现在,做婚前协议是浪漫吗?
2253	No.	没有
2254	Does one person in the relationship typically not like doing a prenup?	关系上的一个人通常不喜欢做婚前协议吗?
2255	Yes.	对
2256	I know a lot of women today who want prenups and the husbands don't want them.	我认识很多想要婚前协议的女人 丈夫不想要
2257	It's whoever's making the money.	是谁赚的?
2258	But I will say this about prenups.	但我要说的是婚前协议
2259	You need a lawyer, she needs a lawyer.	你需要律师 她需要律师
2260	You cannot go and do a prenup right before you get married.	你不能在结婚前去做婚前协议
2261	When people do that, those prenups get thrown out the window	当人们这样做, 那些婚前协议被扔出窗口
2262	because they will claim and say and have an argument for,	因为他们要说和争论,
2263	I was under extremely undue influence to sign this agreement before the wedding.	婚礼前我签署这份协议 受到了极大的影响
2264	And those agreements get thrown out, even if there's disclaimer language.	而那些协议被抛弃, 即使有免责语言。
2265	And both of you need attorneys.	你们俩都需要律师
2266	And prenuptial agreements can often be like a negotiation.	而婚前协议往往可以像谈判一样.
2267	And you can learn a lot about your partner that it's not always pretty.	你可以从你的搭档那里学到很多东西 发现它并不总是很漂亮
2268	I'm not saying you, but one can learn a lot about their partner	我不是说你们,但可以多了解他们的搭档
2269	that's not always pretty when you do a prenuptial agreement.	当你做婚前协议时,这并不总是漂亮的。
2270	And once the prenuptial agreement is done, if it's a reasonable prenuptial agreement,	一旦婚前协议达成 如果这是合理的婚前协议
2271	it goes in a file.	放在档案里
2272	It doesn't get looked at again.	不复观心.
2273	And it won't matter unless the day comes that you need to pull it out.	除非有一天你需要把它拔出来 否则这不重要
2274	And that's for a first time marriage.	这是第一次结婚
2275	You're a second time marriage or a third time marriage	你是第二次婚姻还是第三次婚姻
2276	and you've got kids and custody issues and support for your first wife.	你还有孩子和监护权问题 还有对你第一任妻子的支持
2277	You definitely need a prenup.	你绝对需要一个婚前协议。
2278	What is the most important thing we should have talked about that we didn't talk about?	我们不该谈的最重要的事情是什么?
2279	Steven, we've talked a lot about money today, but money is just a tool.	史蒂文,我们今天谈了很多钱,但钱只是一个工具。
2280	So what we actually haven't got to talk a lot about is	所以,我们实际上没有 谈了很多
2281	using money to free yourself to live your best life.	用钱来解放自己 过上最好的生活
2282	And you don't have to have money to live your best life.	亦不须财财得福寿.
2283	Again, money is just a tool.	同样,金钱只是一个工具。
2284	So what's most important in life?	那么,什么是最重要的 在生活中吗?
2285	I'm going to say things that people know.	我今当说众生所知.
2286	Health.	卫生。
2287	I started following you because of all the shows you did on health.	我开始跟着你 因为你在健康方面做了很多节目
2288	Love.	爱
2289	People hold on to love way too much.	人们太爱别人了
2290	Gratitude.	谢谢
2291	Being consistently grateful for the life you have.	永远感激你的人生
2292	Friendship.	友谊
2293	Loving your friends fully.	完全爱你的朋友
2294	And the last thing is fun.	则最后事趣.
2295	You know, I think people go through life and at some point they stop designing their life.	你知道,我想人们会经历生活, 在某些时候,他们停止设计自己的生活。
2296	My grandmother used to say, you've got to dream it, design it, and do it.	我祖母常说,你必须做梦,设计,做.
2297	And she's like, you've got to run out of time.	她就像,你必须用完时间。
2298	So what I would say to anybody is like,	所以我想对任何人说,
2299	you've got this one beautiful moment in time where you're here.	你有一个美丽的时刻 在你在这里的时间。
2300	What do you want?	你想怎样?
2301	And start working on that today.	今天开始研究
2302	You listened to the episode with Tony Robbins.	你和托尼·罗宾斯一起听了这集
2303	You've referenced him several times in this conversation.	你在这次谈话中多次提到他
2304	If someone were to ask me who is the greatest mentor and the greatest influence in my life	如果有人问我 谁是我生命中最伟大的导师和最大的影响力
2305	besides my grandmother and my father, it's Tony Robbins.	除了我的祖母和我父亲, 这是托尼·罗宾斯。
2306	So I went to Tony Robbins seminars in the early 90s.	所以我在90年代初参加了托尼·罗宾斯研讨会。
2307	Back in the day when he had an infomercial with audio cassettes.	那天他有一个带录音带的缩影
2308	And I went to a program that he taught in Hawaii.	我去了一个他在夏威夷教的课程。
2309	他有一家大酒店 叫Waikoloa。
2310	And he did an exercise.	他做了一个运动。
2311	It's like I remember like this is yesterday.	就像我记得昨天这样
2312	He said to the room we were in, there were, I don't know, a thousand of us in this room.	他对我们的房间说, 有,我不知道,我们一千人在这个房间。
2313	He said, how many of you have a dream that you're not working on?	他说,你们中有多少人有一个你没有在努力的梦想?
2314	And we all had dreams.	我们都有梦想
2315	So he got us into a peak state and he had his work on our dreams.	所以他让我们进入一个高峰状态 他有他的作品 我们的梦想。
2316	And then he asked the question, how many of you think you're going to be alive in 10 years?	然后他问了这个问题,你们中有多少人认为10年后会活着?
2317	Everyone's like, yeah, I'm going to be alive in 10 years.	每个人都喜欢,是的, 我将活在十年。
2318	He's like, great.	他就像,伟大的。
2319	So I got a question for you.	所以我有个问题要问你
2320	Are you going to be alive in 10 years having worked on your dream?	你在梦里工作了10年 你会活着吗?
2321	Hopefully gotten it, right?	希望得到它,对不对?
2322	Done all the things I've taught you to do.	完成我教你的一切
2323	Model the masters, got yourself in peak state, learn the pattern recognition.	模范的主人, 让你自己处于高峰状态, 学习模式识别。
2324	Have you gotten 10 years older having gone through dreams and maybe got it?	你做梦的时候 10岁了吗?
2325	Or did you just get 10 years older and you let your dream die?	还是你老了10岁 让你的梦想死去?
2326	You let your dream die and just let that sit.	你让你的梦想死去 并让它坐着
2327	And then he had us go off in groups and share our individual dream.	然后他让我们分头行动 分享我们的梦想
2328	So we'd all written it down on paper.	所以我们都写下来了
2329	So I shared that my dream and this young kid, financial advisor, I'm a guy,	所以我分享了我的梦想 和一个年轻的孩子 财务顾问 我是个男人
2330	I shared my dream was to write a book called Smart Women Finish Rich	我和大家分享我的梦想是写一本书 叫《聪明女人完成富人》
2331	and teach a million women to be smart with money so they could protect themselves,	并教一百万女人 聪明与金钱, 这样她们可以保护自己,
2332	teach their kids, and help their family.	教他们的孩子,帮助他们的家人。
2333	My heart's pounding, Steve, and I'm sharing this idea with 10 strangers.	我的心在跳动,史蒂夫 我和10个陌生人分享这个想法
2334	And then we go back into the room and he's like, how'd that go?	然后我们回到房间,他想,怎么样?
2335	Are you guys all ready?	你们准备好了吗?
2336	He gets us back in a peak state.	他让我们回到一个高峰状态。
2337	10 minutes later, a woman comes taps me on the shoulder and she says,	10分钟后,一个女人来拍我的肩膀,她说,
2338	I just heard about your dream.	我刚听说你的梦
2339	My name's Vicki.	我叫维琪
2340	I've worked on Tony's last two books.	我研究过托尼的最后两本书
2341	If you want to do your book, you're going to need a book proposal.	若欲修行书法,须求书提案.
2342	You've done books, you know this.	你写过书,你知道的
2343	She's like, I can help you write a book proposal.	她喜欢,我可以帮你写一个书提案。
2344	I hired her.	我雇她来的
2345	I started working on that book proposal.	我开始研究那本书的建议
2346	Later, I would go after the same agent that Tony has, Jan Miller.	后来,我会去找托尼的经纪人,扬·米勒
2347	She'd become my agent.	她会成为我的经纪人
2348	He'd write a cover letter.	他会写封面信
2349	I'd get a book deal and I'd start working to help millions of people.	我会得到一个书交易 我开始工作 帮助数百万人。
2350	It started at a Tony Robbins seminar.	它起源于托尼·罗宾斯的研讨会.
2351	And I go back to my grandmother, right?	我回到祖母身边,对吗?
2352	Dream it, design it, and do it.	梦想,设计,并做.
2353	He gave me the life skills to do that.	他给了我谋生的技巧
2354	And I will tell you something about Tony because you see Tony on all these shows and	我会告诉你一些关于托尼的事情 因为你看到托尼在这些节目上
2355	people go, is Tony the real deal?	人们去, 托尼是真正的交易?
2356	I see even if I was with you and I send Tony a text,	就算我跟你在一起 给托尼发短信
2357	and Tony has a lot of friends like this, Tony gets right back to me.	托尼有很多这样的朋友 托尼马上会来找我
2358	Tony's the real deal.	托尼是真正的交易。
2359	I just went to Germany and took my older son, Jack, who's 22,	我刚去了德国 带走我22岁的儿子杰克
2360	to see him do UPW in September.	在9月见到他做UPW。
2361	It could bring tears to my eyes because I wanted Jack to have the experience without me there.	这会给我眼睛带来泪水 因为我希望杰克没有我在场
2362	He was, bless Tony, sitting in the front row.	他是,祝福托尼,坐在前排。
2363	I came in on day three when he was in the peak state.	我于第三日来,当他处于高峰状态.
2364	And I came in and I watched him.	我进来看他
2365	I was basically his age.	我基本上都是他的年纪
2366	And I thought, God, I went in and I gave him a hug.	我想,上帝,我进去 并给了他一个拥抱。
2367	And I'm like, you just don't even know.	我很喜欢,你只是不知道。
2368	This experience that you're seeing, what you're learning today, if you use this stuff,	如果你用这些东西的话
2369	it will change your life.	它会改变你的生活。
2370	That's the power of Tony.	这是托尼的力量。
2371	People go, whatever it is, your podcast, your events, Tony's events, my books,	人们去,不管它是什么,你的播客,你的事件,托尼的事件,我的书,
2372	we're just catalysts.	我们只是催化剂
2373	But God, God gave you a seed and a dream.	但上帝,上帝给了你一个种子和一个梦想。
2374	And when we're the catalyst for like, look, go do this.	而当我们是催化剂一样, 你看,去做到这一点。
2375	Listen to that voice.	听那个声音。
2376	Whoever your God is, that soul that you hear yourself saying,	无论你所崇拜的是什么人,你所听见的那个人,
2377	I have a dream.	我有一个梦想。
2378	If I only had 10 years left to live,	如果我只有10年的时间活着,
2379	I would really hate to die with that dream inside me.	我真的不想死 与我的梦。
2380	That's the dream you go work on.	这就是你的梦想
2381	And since then, you've done exactly that.	从那时起,你就是这么做的
2382	You've educated hundreds of millions of people through your books,	你通过你的书教育了数亿人
2383	through podcasts, seminars, newsletters,	通过播客、研讨会、通讯、
2384	and thousands of media appearances on how to do exactly that,	成千上万的媒体出现 如何做到这一点,
2385	how to get financially free, pursue their dreams, get hold of their money	如何获得经济自由 追求梦想 获得金钱
2386	so that they can live the life that is destined for them.	以便他们能享受自己注定的生活。
2387	And that is an incredible thing.	这是一件不可思议的事。
2388	And you've sold almost 10 million copies of your books worldwide.	你在全球售出了近1000万本书。
2389	I'm sure you're going to hit that number at some point soon.	我敢肯定,你会打 这个数字在某个时候很快。
2390	And I guess you'll never get to see the impact that that's had on so many people's lives	我猜你永远不会看到 影响 这么多人的生活
2391	and how you've therefore changed the trajectory of their financial future	以及你如何改变他们的金融未来轨迹
2392	and their kids and their kids and their kids,	他们的孩子,他们的孩子,他们的孩子,他们的孩子,
2393	like your grandmother did for you and your family.	就像你祖母为你和你的家人所做的那样。
2394	I highly recommend everybody go and listen to that episode.	我强烈建议大家去听这集
2395	I'm actually going to link it below.	我实际上要把它连接到下面。
2396	So if you haven't listened to the episode with Tony Robbins,	如果你没有听托尼·罗宾斯的剧集
2397	that's a great next thing to do if you're still listening now.	如果你现在还在听的话 那下件事情就太好了
2398	But David, I wanted to thank you so much for coming.	但是大卫,我真想谢谢你能来
2399	And you present a really interesting different perspective on the subject of money,	你对钱的问题提出了非常有趣的不同观点,
2400	which is hard to find.	很难找到
2401	It's rare, but it's very, very, very important.	虽然很罕见,但非常,非常,非常重要.
2402	And I'm hopeful it'll be consequential for many.	我希望这对很多人都是后果。
2403	We have a closing tradition, as you know,	我们有一个封闭的传统,你知道,
2404	where we ask the next guest the question left by the last.	问下一位客人最后留下的问题
2405	And the question left for you is interesting.	留给你的问题很有趣
2406	If you had all the money you needed to have to support yourself and your family,	如果你有你需要的所有钱来养活自己和家人
2407	zero financial worries,	没有金融问题,
2408	what job profession would you be doing?	你会做什么职业?
2409	Or rather, what would you spend your time on?	或者,你会花你的时间吗?
2410	That's surreal that this is the question you're giving me,	这是超现实的,这是你给我的问题,
2411	that that was asked before I got here.	那是我来这里之前问的
2412	Like that's a God moment, too.	就像这是上帝的时刻一样
2413	Like that's meant to be.	犹如是意.
2414	I'm not making this up.	我不是在编剧
2415	So because that's me, I have enough.	所以,因为那是我, 我有足够的。
2416	I have all the money that I need.	我有我需要的一切钱。
2417	I have my health right now.	我现在身体健康
2418	I have my time.	我有时间。
2419	And this year, what am I going to do?	今年,我该怎么办?
2420	What I want to go do, my dream for the year?	我想做什么,我今年的梦想?
2421	I want to have an endless ski season.	我想有一个无尽的滑雪季节。
2422	So at the end of the year, ask me, did I ski somewhere every month this year?	所以,在年底,问我, 我滑雪 今年每个月哪里?
2423	I leave you today.	我今离开汝.
2424	I go back to Florence for 24 hours and I turn around and go to Verbier, Switzerland with friends.	我回到佛罗伦萨24小时 转身跟朋友去瑞士韦比耶
2425	I'm going to try to ski somewhere every day, every month this year	我每天都要去滑雪,今年每个月
2426	with friends and with family all around the world for fun.	和朋友,和家人 在世界各地的乐趣。
2427	I did this as my last dream to help one more generation be smart with their money.	我这样做是作为我最后的梦想 帮助一代人聪明用他们的钱。
2428	This is my final book.	这是我最后一本书。
2429	These may be my final podcast.	这些可能是我最后的播客
2430	And what you've done is you've updated your smash hit bestselling book that's sold millions	你所做的是更新了你的破烂畅销书 这本书卖了数百万
2431	and millions and millions of copies that you wrote 20 years ago to make it relevant to the	以及20年前你写的上百万份 使它与
2432	current financial situation and world that we live in.	目前的财政情况和我们生活的世界。
2433	And my goal with this was a lot of my readers now in their 50s and their 60s,	我的目标就是在50年代和60年代 我有很多读者
2434	but they've got young kids like I do.	但他们有像我一样的小孩
2435	And I wanted this to be a book they can put in their hands.	我希望这本书是一本 他们可以放在手中。
2436	I'm going to link the book below.	我要把书连到下面
2437	Fantastic reader.	伟大的读者。
2438	You've written several incredible books.	你写了几本不可思议的书
2439	So I'm going to link all of them below in the description for anyone that wants to	因此,我将把下面所有的东西 都联系起来,在描述任何想要
2440	have a copy of them.	有一份他们的副本。
2441	The Automatic Millionaire.	自动百万富翁.
2442	A powerful one-step plan to live and finish rich.	一个强大的单步计划 生活和完成富裕。
2443	David, thank you.	大卫,谢谢你
2444	Stephen, thank you.	斯蒂芬,谢谢你。
2445	It's been great.	这是伟大的。
2446	I'm going to show you how to get clear what you really want,	我要教你如何明白你真正想要的是什么
2447	figure out what's been stopping you,	想想是什么阻止了你们
2448	put the plan in place and teach you the most important thing that's made me successful.	把计划落实好 教你让我成功的最重要的事情
2449	And I don't think people fully realize the significance of how many of the most influential	我觉得人们并没有充分意识到 多少最有影响力的
2450	people on planet Earth you have worked with and continue to work with.	地球上的人 你曾经和继续合作过
2451	What is the pattern that you noticed in those people?	你在这些人身上注意到的规律是什么?
2452	So I found four things with them.	所以我找到了四样东西
2453	The first thing is, the first thing is, the first thing is, the first thing is, the first thing is,	第一种是,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第
2454	the first thing is, the first thing is, the first thing is, the first thing is, the first thing is,	第一种是,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第二,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第一,第

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