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亏了一大笔钱后,我领悟到的10件事【TED演讲】

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P1亏了一大笔钱后,我领悟到的10件事【TED演讲】 中英双语16:02
P2亏了一大笔钱后,我领悟到的10件事【TED演讲】 英文字幕(16:02
P3亏了一大笔钱后,我领悟到的10件事【TED演讲】 无字幕(中16:02

P1 · 亏了一大笔钱后,我领悟到的10件事【TED演讲】 p01 中英双语 (P1)

字幕摘录

时间英文中文
0:01I used to be successful, according to society.我曾经是成功的,根据社会。
0:05I had left a well-paid job in marketing to become an entrepreneur.我为了成为企业家 离开了一份高薪的营销工作
0:10And very soon I could buy anything I wanted.很快我就能买到我想要的东西
0:13Not anything in the world, anything I wanted, which was a lot still.世界上什么都没有,我想要的, 还有很多。
0:17My impulse purchases included a brand new car and a house.我的冲动购买包括一辆全新的汽车和一栋房子.
0:23My entire life was just about fun, and I can say I created some amazing memories.我的整个人生都是有趣的, 我可以说,我创造了一些惊人的回忆。
0:30But it was just fun.但它只是乐趣。
0:31I wanted more.我还想吃
0:33I wanted joy.我想要快乐。
0:34I wanted to do something that would last, something that mattered.我想做一些能持久的事 很重要的事
展开字幕全文(278 条)
序号英文中文
1I used to be successful, according to society.我曾经是成功的,根据社会。
2I had left a well-paid job in marketing to become an entrepreneur.我为了成为企业家 离开了一份高薪的营销工作
3And very soon I could buy anything I wanted.很快我就能买到我想要的东西
4Not anything in the world, anything I wanted, which was a lot still.世界上什么都没有,我想要的, 还有很多。
5My impulse purchases included a brand new car and a house.我的冲动购买包括一辆全新的汽车和一栋房子.
6My entire life was just about fun, and I can say I created some amazing memories.我的整个人生都是有趣的, 我可以说,我创造了一些惊人的回忆。
7But it was just fun.但它只是乐趣。
8I wanted more.我还想吃
9I wanted joy.我想要快乐。
10I wanted to do something that would last, something that mattered.我想做一些能持久的事 很重要的事
11So I started working with students, and this was fantastic.所以我开始和学生一起工作,这太棒了。
12For the first time in my life, people would come up to me and say,我这辈子第一次有人来找我说
13thank you, you've changed my life.谢谢你,你改变了我的生活。
14And that was so valuable to me that I would do it for just a little bit of money,那对我很重要,我为了一点钱就这么做,
15if they wouldn't pay me enough.如果他们不付我足够的钱。
16I would even do it for free.我甚至会免费做
17A lot.经常
18Until I reached a point where even a small financial setback直到我到了一个点 甚至一个小小的财政挫折
19could ruin me as an entrepreneur.可能毁了我作为一个企业家。
20And of course it did.当然了
21In the middle of summer of 2016, when all schools are closed2016年夏中,所有学校关闭
22and I wouldn't have any income for another two months or so,再过两个月我就没有收入了
23I received five envelopes at the same time from the tax services,我同时从税务部门收到五个信封
24demanding that I pay for my glory days immediately.要求我立即为我的荣耀付出代价
25This cost me everything I had.这花了我的一切。
26All my savings, all the money that I had, and all I had left in an instant我所有的积蓄,我所有的钱, 我留下的一切瞬间
27was just a few coins that I found between the cushions of the sofa只是我发现的几块硬币 在沙发的垫子之间
28and in my coat pockets and in my car, and three euros and 97 cents in the bank.在我的外套口袋里 在我的车里 还有银行里的三欧元和97美分
29Two days later, my daughter would come back from staying with her father.两天后,我女儿会回来陪她的父亲
30She would come back on her birthday, and I couldn't afford to bake her a cake.她生日时会回来 我负担不起给她烤蛋糕
31What I wanted to do was just to crawl into bed and cry,我想做的只是爬进床上哭
32which I don't like, and just hide under the covers until it would all just go away.藏在盖子底下 直到一切都消失
33But I couldn't.但我无法。
34I didn't have time because I only had 48 hours我没有时间 因为我只有48小时
35to prove to myself that I was better than this.来证明我比这强
36That I was a good mother.我是个好母亲
37So what I did was the most terrifying and the most embarrassing thing我所做的是最可怕 最尴尬的事
38I've ever done in my life.我这辈子做过很多事
39I decided to expose myself publicly as a failure,我决定公开揭露自己的失败
40and I thought that the best place to start would be rock bottom.我想,最好的起点是 摇滚底层。
41So I gave away my last bit of money, and then I had absolutely nothing,于是我把最后一点钱都给了 我一无所有
42and then the only way was up.然后唯一的办法就是起来。
43I called it The Money Project.我称之为钱计划。
44I published a video on Facebook stating that I had failed gloriously我在脸书上发表了一段视频 说我失败了
45as an entrepreneur, that I was totally broke,作为一个企业家, 我彻底破产,
46and that I was determined to change my situation,我决心改变我的处境
47to learn anything I could about entrepreneurship and business and money学习我所能学到的一切 关于创业、商业和金钱
48and enhance my financial intelligence,并增强我的金融情报
49and that I was determined to become free of financial stress within six months,我决心在六个月内摆脱财政压力
50and to go from nothing to a fortune,为了从无到有,
51or at least discover what the secret to doing that was,或至少发现是什么秘密 这样做,
52and to become a successful entrepreneur.成为成功的企业家
53And I would write a book about it,我会写一本关于它的书,
54and this book I would sell right away for ten euros a copy,这本书我会马上卖10欧元一册,
55and that day I didn't dare look at the responses on my timeline那天我不敢看时间轴上的回复
56because this was quite scary,因为这是相当可怕的,
57but that first day I sold 64 books,但第一天我卖了64本书
58and I had a fortune.我有一个财富。
59Until this day I've never felt more rich in my entire life,直到今天 我这辈子从未觉得更有钱过
60because this meant I could now bake a birthday cake,因为这意味着我现在可以烤一个生日蛋糕了
61and she could have a proper birthday, which she did.她可以有一个合适的生日,她做到了。
62And then I read, I vlogged, I blogged, I interviewed,我读了,我写了,我写了博客,接受采访,
63I learned anything I could, and I succeeded.我学到了一切,我成功了。
64Within six months I was free of financial stress,六个月内,我没有财政压力
65and I could say that I was a successful entrepreneur.我可以说我是一个成功的企业家。
66And all this time I had been thinking that this Money Project,我一直想这个钱计划
67what I called it, was about money, of course, and business,我称之为钱 当然还有生意
68but deep down it was about something completely different.但是在内心深处 事情完全不同
69It was about value and about life,这是关于价值和生命,
70and I will share with you what I learned about life.我会和你们分享我学到的生活
71Lesson number one, money is important.第一课 钱很重要
72Quite a cliché.陈词滥调.
73But I was raised in a way to believe that money is not important,但我养大是为了相信钱不重要
74and I inherited this conviction somehow.我继承了这个信念
75I can't blame anyone in particular,我不能怪任何人特别,
76but somehow it planted a conviction in my head但不知怎的,它使我心中充满了信念
77that people with money are not nice people.有钱的人不是好人
78So when I had money, I would spend it as soon as I could.所以当我有钱的时候 我会尽快花掉
79And then when I found my purpose working with students,然后当我发现我的目的 在学生工作,
80I just didn't ask for it.我只是没有要求
81I didn't care, I just wanted to change the world,我不在乎 我只是想改变世界
82which I had no impact on whatsoever with three euros and 97 cents.3欧元和97美分 我没有任何影响
83And I also learned that money doesn't make you a bad person,我也知道钱不会让你变成坏人
84it just makes you more of who you are.它只是让你更多 你是谁。
85So if you're a jerk with a lot of money,如果你是个有钱的混蛋
86you're probably a jerk when you're broke as well.你可能是一个混蛋 当你破产了。
87And if I would have more money, I would simply give more.如果我有更多的钱,我只会给更多。
88But if I have to worry about money every day, all day,但如果我每天都要担心钱的事
89I can't even take care of myself, and I have nothing to give.我甚至不能照顾自己, 我没有什么可以给。
90Lesson number two, money equals time.第二课 钱等于时间
91As soon as we start working, we start exchanging time for money,一旦我们开始工作, 我们开始交换时间的钱,
92which is a problem because we can always make more money,这是一个问题,因为我们总是可以赚更多的钱,
93but we can never make more time.但我们再也没有时间了
94And I started to exchange my time for far too little money.我开始用我的时间交换太少的钱
95I could barely survive.我几乎无法生存。
96And at the end of the month, there was nothing ever left月末时 什么都没有了
97to invest in my future.投资我的未来。
98So I would have to spend all my time to make just a little bit of money,所以我得花所有时间赚点钱
99and I would probably have to do that for the rest of my life我可能不得不这样做 我的余生
100because there was nothing left.因为那里什么都没有
101And for the rest of my life, I would have given away the one thing而我的余生, 我会放弃一件事
102that means the very most to me, which is time,这对我来说意味着最重要的, 是时候了,
103time with my loved ones and time for myself.时间与我的爱人 和时间我自己。
104So I decided that it was time that I value my time.所以我决定,时间是 我珍惜我的时间。
105I would spend it more consciously, and when it comes to work,我会更自觉地花掉 当它涉及到工作时
106I would have to exchange it for more money我不得不用它换更多的钱
107so I could spend less time working and more time actually living.所以我可以花更多的时间工作 更多的时间实际生活。
108Lesson number three, money equals value.第三课,钱等于值.
109It took me two years to discover that the money project is not about money.我花了两年时间才发现 这笔钱不是钱的事
110It's about value.是为值.
111And I've always seen myself as a confident person,我一直认为自己是个自信的人
112but I didn't value myself because the way you treat yourself但我不重视自己 因为你对待自己的方式
113is a reflection of the way you see yourself,这反映了你对自己的看法,
114and I've been treating myself like crap,我一直把自己当垃圾
115which I found a terrible example to set for my daughter.我为我女儿树立了一个可怕的榜样。
116So changing my rates was not enough.所以,改变我的费率是不够的。
117I had to change the way I see myself.我必须改变自己的看法
118I had to start seeing myself as a person of value,我不得不开始将自己视为一个有价值的人,
119and that was not easily done.这并不容易完成。
120It's a process, and I'm still working on it,这是一个过程, 我还在努力,
121so I still, on a regular basis, I still have to remind myself,所以我还是定期提醒自己
122it's okay, you're worth every penny.没关系,你每分钱都值
123And even now, I find it hard to say this out loud.即使现在 我很难大声说出来
124I get a bit embarrassed, so I'm still learning.我有点尴尬,所以我还在学习。
125I have to keep practicing.我得继续练习
126Lesson number four.第四课.
127What people say doesn't matter.人之所言无碍.
128You're a cheap whore.你是个贱货
129You're a fraud.你是个骗子
130How can you do this to your child?你怎么能这样对你的孩子?
131Just a few of the comments that I received.只是我收到的一些评论。
132The hateful ones were on my timeline on Facebook,讨厌的人在我的时间线上 在Facebook上,
133but the quiet ones, they hit safely in my inbox,但安静的, 他们安全地击中了我的收件箱,
134confessing only to me that they had screwed up too,只向我承认他们也搞砸了
135that they too had found their purpose他们也发现自己的宗旨,
136and wanted to change the world and worked really hard,并想改变世界 努力工作,
13780 hours a week, just like me, and barely surviving,每周80小时,就像我一样,几乎没活下来
138but no one could know, so they didn't go public但没人知道,所以他们没有公开
139because they were too ashamed to be a failure.因为他们太羞愧了,不能成为失败者。
140But they were very glad that I went public但是他们很高兴我公开了
141and exposed myself as a failure暴露自己是个失败者
142because now they could learn from my mistakes.因为他们现在可以从我的错误中吸取教训。
143And I was thankful that I could help them,我很感激我能帮助他们,
144and I was also thankful for the haters,我也感谢那些仇恨者,
145whether it was the strangers on my timeline是否是我时间线上的陌生人
146or even some of my own friends甚至我的一些亲友
147talking badly about me behind my back背着我说不好
148because they taught me that nothing is ever personal,因为他们教会我 没有什么是私人的,
149not really.没有
150What people say about you and what people think about you,人们对你的看法和对你的看法
151it comes from their view of the world.它来自他们的世界观。
152It's from their opinions and their values这是他们的观点和价值观
153and their experiences, and maybe they're having a bad day和他们的经验, 也许他们有一个糟糕的一天
154or they're very insecure or unhappy.或者他们非常不安全或不快乐
155It has nothing to do with you.这和你无关
156And the way other people treat you还有别人对待你的方式
157is not a reflection of who you are,不是反映你是谁,
158it's a reflection of who they are.这是他们是谁的反映。
159So now when someone says something hurtful to me,所以现在有人对我说些伤人的话
160it still hurts, but not as much仍然很痛,但没这么痛
161because I know it probably has nothing to do with me.因为我知道这可能跟我无关
162That's number five.即为第五.
163What people say matters.众生所说法.
164What people say matters most when people is you当人是你的时候 别人说什么才是最重要的
165because the person with the most opinions about you,因为对你最有意见的人
166the person who talks to you the most, is you.最能跟你说话的人是你
167And you tend to believe yourself, right?你总是相信自己 对吧?
168So be kind.所以请慈悲.
169A few days into the project I asked my daughter,几天后,我问我女儿
170how do our money worries make you feel?我们的钱让你感觉如何?
171And she said, we don't have money worries,她说,我们不担心钱
172we just have less money than most people.我们的钱比大多数人都少
173And then I realized that until that moment然后我意识到,直到那一刻
174I had been saying to myself on a regular basis,我经常对自己说
175you're such a failure.你真是个失败者
176And then I realized, because of my daughter,后来我意识到 因为我女儿
177that that kind of thinking was not going to do my circumstances any good.那种想法对我的情况没有任何好处。
178And that's what they are, circumstances.情况就是这样
179They don't define you.他们没有定义你。
180Your response to them does.你对他们的反应确实如此。
181And my response was to be kind to myself,我的反应是对我好
182to say to myself, you'll be okay.对我说,你会没事的。
183You can do this.你可以做到这一点。
184And then whatever it took, I would do it.之后无论付出什么代价 我都会这么做
185That's the number six.即第六义.
186It's really simple.很简单
187I learned so much about business and entrepreneurship我学到了很多关于商业和创业的知识
188and compounding, investing, entrepreneurship,以及复合、投资、创业、
189about scalability, hour rates, sales,关于可伸缩性,小时率,销售,
190low-hanging fruit, runway, value propositions.低挂水果 跑道 价值建议
191But to be honest, everything I learned但说实话,我学到的一切
192I could have learned from my grandmother.我本可以从祖母那里学的
193Because the essence is this.因为本质就是这个。
194Spend less, earn more, invest wisely,少花钱多赚钱 明智投资
195and most of all, value yourself.最重要的是,重视你自己。
196But simple is not always easy.但简单并不总是容易的。
197Let me ask you a question.让我问你一个问题。
198Who makes more money today than you did at your very first job?今天谁比你第一次工作赚的钱还多?
199That's quite a lot of people.相当多人
200Okay.摆
201Be ready.准备好
202There's another question.还有个问题
203Be honest.诚实点
204I promise I won't tell anyone, but be honest.我保证不会告诉任何人,但说实话。
205Who still, at the end of the month, sometimes is out of money?还有谁,在月底,有时是没钱?
206Or a lot of times, maybe.也可能是很多时候
207Yeah.对
208That's quite a lot, huh?够多的吧?
209Okay.摆
210You're not alone.你不是一个人。
211And this is why.这就是为什么。
212It's called Parkinson's Law.名为帕金森定律.
213Your expenses will always rise to match your income.您的开销将永远与收入相匹配。
214This is why most people retire poor这就是为什么大多数人 退休穷人
215and why lottery winners tend to end up with less money和为什么彩票赢家往往以更少的钱结束
216a few years after they won than they had before.在他们获胜之后的几年里
217And about a year after I started the money project,在我开始钱项目一年后
218I was earning a lot of money.我赚了很多钱。
219I was doing well, but still I didn't really have anything left我做得很好,但我还是没有 真正留下任何东西
220at the end of the month.月终时。
221And I realized that when it comes to spending,我意识到,当涉及到支出,
222I'm a 12-year-old.我十二岁了
223So I should treat myself accordingly.所以我应该这样对待自己
224So now I hardly have any access to my money.所以现在我几乎拿不到钱了
225As soon as money comes in,钱一进来
226most of it goes straight to accounts that I cannot touch,大部分都直接转到我无法触及的账户上
227and I will probably have to do this for the rest of my life,我可能不得不这样做 我的余生,
228and I don't care.我无所谓
229Because if there's one thing that I learned from this project,因为如果我从这个项目学到一件事
230it's I can't afford to be poor.我无法承受贫穷
231Lesson number eight.第八课.
232Being broke sucks.破产很糟
233It does.没错
234Two years ago, my entire life was urgent.两年前,我整个人生都很紧迫
235Everything was urgent.一切都很紧急
236I had to be a full-time problem solver,我不得不是一个全职的问题解决者,
237which is both exhausting and impossible.这既累人又不可能
238It捉22.
239Because scarcity captures the mind.因为缺乏能捕捉到心灵
240Research shows that when all you can think about,研究表明,当你能想到的一切,
241and that was the case for me,对我来说就是这样
242when all you can think about is how do I get food on the table tonight?你唯一能想到的就是 我今晚怎么把食物放在桌上?
243How do I get money today?我今如何得钱.
244That takes up all of your thinking space.这占用了你所有的思考空间。
245There's no room left to solve anything for tomorrow or next week明天和下周都无处可查
246or to make a change next year.或者明年做点改变
247You're stuck in the situation.你被困在这种情况下
248And my situation was that my brain felt like a ticking time bomb.我的情况是,我的大脑 感觉就像一颗定时炸弹。
249I can still today hear the sound of the bills dropping on my doormat,今天我仍然能听到 帐单掉在我的门垫上的声音,
250and it still freaks me out.还让我害怕
251And day and night, I felt this blind panic.日复一日,我感到盲目的恐慌
252I couldn't breathe.我无法呼吸。
253There was no way out.没有出路。
254I was suffocating.我闷死了
255So the first thing and the only thing that I could do was breathe.所以第一件事,我唯一能做的就是呼吸。
256I freed my mind, and I made a decision我解放了头脑,我做了一个决定
257that I was going to be successful in the direction of my purpose.我会成功实现我的目标
258I found my focus.我发现我的焦点。
259I stopped sabotaging myself.我不再破坏自己。
260And I became successful.我获得了成功。
261Lesson nine, stay broke.第九课,继续破产。
262Epictetus said a very long time ago,埃皮卡特斯很久以前说过
263wealth consists not in having great possessions,财富不在于有大的财产,
264but in having few wants.但因为没有太多的希望
265The paradox is that the more money you have,矛盾的是 你的钱越多
266the more silence and no Wi-Fi become a luxury.沉默和无线网络成为奢侈品
267It's ridiculous how much money rich people, money-wise rich people,有钱人,有钱人,
268spend on going somewhere quiet.花去一个安静的地方。
269When I had nothing, all I could afford was to go somewhere quiet,当我一无所有时 我只能去一个安静的地方
270to just sit still or read a book or go outside or go for a run,静静地坐着或看书 或出去或跑步,
271play with my child.和我的孩子玩游戏
272And in those moments, I found my most profound moments of happiness.在那些时刻,我找到了我最深的幸福时刻。
273I learned that my daughter doesn't need any money我得知我女儿不需要钱
274or expensive gifts or fancy trips.或昂贵的礼物或豪华旅行。
275All she wants, really, is a few moments a day of my undivided attention.她想要的,真的,是 几天的时间,我无所不在的关注。
276And all I really want is to be present in my own life.我真正想要的就是在自己的生活中出现
277So now that I have money, I choose to live as if I'm broke.所以现在我有钱了,我选择活得像没钱一样
278And without the worries, I can finally say money is not important.而且不用担心,我终于可以说钱不重要。
该视频共有字幕 278 条。解锁更多字幕为会员功能,请移动到 价格

P2 · 亏了一大笔钱后,我领悟到的10件事【TED演讲】 p02 英文字幕(注释+中文外挂) (P2)

字幕摘录

时间英文中文
0:01I used to be successful, according to society.我曾经是成功的,根据社会。
0:05I had left a well-paid job in marketing to become an entrepreneur,我离开一份高薪的营销工作 成为一名企业家,
0:10and very soon I could buy anything I wanted.很快我就能买到我想要的东西
0:13Not anything in the world, anything I wanted, which was a lot still.世界上什么都没有,我想要的, 还有很多。
0:17My impulse purchases included a brand new car and a house.我的冲动购买包括一辆全新的汽车和一栋房子.
0:23My entire life was just about fun, and I can say I created some amazing memories,我整个人生都很好玩 我可以说我创造了一些惊人的回忆
0:30but it was just fun.但它只是乐趣。
0:31I wanted more.我还想吃
0:33I wanted joy.我想要快乐。
0:34I wanted to do something that would last, something that mattered.我想做一些能持久的事 很重要的事
展开字幕全文(209 条)
序号英文中文
1I used to be successful, according to society.我曾经是成功的,根据社会。
2I had left a well-paid job in marketing to become an entrepreneur,我离开一份高薪的营销工作 成为一名企业家,
3and very soon I could buy anything I wanted.很快我就能买到我想要的东西
4Not anything in the world, anything I wanted, which was a lot still.世界上什么都没有,我想要的, 还有很多。
5My impulse purchases included a brand new car and a house.我的冲动购买包括一辆全新的汽车和一栋房子.
6My entire life was just about fun, and I can say I created some amazing memories,我整个人生都很好玩 我可以说我创造了一些惊人的回忆
7but it was just fun.但它只是乐趣。
8I wanted more.我还想吃
9I wanted joy.我想要快乐。
10I wanted to do something that would last, something that mattered.我想做一些能持久的事 很重要的事
11So I started working with students, and this was fantastic.所以我开始和学生一起工作,这太棒了。
12For the first time in my life, people would come up to me and say,我这辈子第一次有人来找我说
13thank you, you've changed my life.谢谢你,你改变了我的生活。
14And that was so valuable to me that I would do it for just a little bit of money,那对我很重要,我为了一点钱就这么做,
15if they wouldn't pay me enough.如果他们不付我足够的钱。
16I would even do it for free, a lot.我甚至会免费做,很多。
17Until I reached a point where even a small financial setback could ruin me as an entrepreneur.直到我到了一个点 即使是小的金融挫折 也可能毁了我作为一个企业家。
18And of course it did.当然了
19In the middle of summer of 2016, when all schools are closed2016年夏中,所有学校关闭
20and I wouldn't have any income for another two months or so,再过两个月我就没有收入了
21I received five envelopes at the same time from the tax services,我同时从税务部门收到五个信封
22demanding that I pay for my glory days immediately.要求我立即为我的荣耀付出代价
23This cost me everything I had, all my savings, all the money that I had,这花了我所有的一切, 我所有的储蓄, 我所有的金钱,
24and all I had left in an instant was just a few coins that I found between the cushions of the sofa我在沙发上找到的只是几块硬币
25and in my coat pockets and in my car, and three euros and 97 cents in the bank.在我的外套口袋里 在我的车里 还有银行里的三欧元和97美分
26Two days later, my daughter would come back from staying with her father.两天后,我女儿会回来陪她的父亲
27She would come back on her birthday, and I couldn't afford to bake her a cake.她生日时会回来 我负担不起给她烤蛋糕
28What I wanted to do was just to crawl into bed and cry, which I don't like,我想做的只是爬到床上哭, 我不喜欢,
29and just hide under the covers until it would all just go away.躲在盖子下 直到一切都消失
30But I couldn't.但我无法。
31I didn't have time because I only had 48 hours to prove to myself我没时间,因为我只有48小时来证明自己
32that I was better than this, that I was a good mother.我比这还好 我是个好母亲
33So what I did was the most terrifying and the most embarrassing thing I've ever done in my life.所以,我所做的是我这辈子做过的最可怕和最尴尬的事情。
34I decided to expose myself publicly as a failure,我决定公开揭露自己的失败
35and I thought that the best place to start would be rock bottom.我想,最好的起点是 摇滚底层。
36So I gave away my last bit of money, and then I had absolutely nothing,于是我把最后一点钱都给了 我一无所有
37and then the only way was up.然后唯一的办法就是起来。
38I called it The Money Project.我称之为钱计划。
39I published a video on Facebook stating that I had failed gloriously as an entrepreneur,我在脸书上发表了一段视频 说我作为企业家失败了
40that I was totally broke, and that I was determined to change my situation,我完全破产了, 我决心改变我的处境,
41to learn anything I could about entrepreneurship and business and money学习我所能学到的一切 关于创业、商业和金钱
42and enhance my financial intelligence,并增强我的金融情报
43and that I was determined to become free of financial stress within six months我决心在六个月内摆脱财政压力
44and to go from nothing to a fortune or at least discover what the secret to doing that was和去从无到有财富 或者至少发现 秘密是什么做
45and to become a successful entrepreneur.成为成功的企业家
46And I would write a book about it, and this book I would sell right away for 10 euros a copy.我会写一本关于这本书的书, 这本书我会马上卖10欧元一本。
47And that day I didn't dare look at the responses on my timeline because this was quite scary.那天我不敢看时间表上的反应 因为这很可怕
48But that first day I sold 64 books, and I had a fortune.但第一天我卖了64本书,我有一笔财富。
49Until this day I've never felt more rich in my entire life直到今天 我这辈子从未觉得更有钱过
50because this meant I could now bake a birthday cake,因为这意味着我现在可以烤一个生日蛋糕了
51and she could have a proper birthday, which she did.她可以有一个合适的生日,她做到了。
52And then I read, I vlogged, I vlogged, I interviewed, I learned anything I could, and I succeeded.然后我读了,我写了,我写了,我采访了, 我学到了什么,我成功了。
53Within six months I was free of financial stress, and I could say that I was a successful entrepreneur.六个月内,我没有财政压力,我可以说我是一个成功的企业家。
54And all this time I had been thinking that this money project, what I called it,我一直在想这个钱项目,我称之为它,
55was about money, of course, and business.当然是钱和生意
56But deep down it was about something completely different.但是在内心深处, 事情完全不同。
57It was about value and about life.这是关于价值和生命。
58And I will share with you what I learned about life.我会跟你分享我学到的生活
59Lesson number one.第一课
60Money is important.钱很重要
61Quite a cliché.陈词滥调.
62But I was raised in a way to believe that money is not important.但我的成长方式是相信钱不重要
63And I inherited this conviction somehow, I can't blame anyone in particular,我继承了这个信念 我不能怪任何人
64but somehow it planted a conviction in my head that people with money are not nice people.但不知何故,它使我深信 有钱的人不是好人
65So when I had money, I would spend it as soon as I could.所以当我有钱的时候 我会尽快花掉
66And then when I found my purpose, working with students, I just didn't ask for it.后来我找到了我的目的, 和学生一起工作, 我只是没有要求它。
67I didn't care.我不关心。
68I just wanted to change the world,我只是想改变世界
69which I had no impact on whatsoever with three euros and 97 cents.3欧元和97美分 我没有任何影响
70And I also learned that money doesn't make you a bad person.我还知道钱不会让你变成坏人
71It just makes you more of who you are.它只是让你更多 你是谁。
72So if you're a jerk with a lot of money, you're probably a jerk when you're broke as well.如果你是个有钱的混蛋 你可能也是个破产的混蛋
73And if I would have more money, I would simply give more.如果我有更多的钱,我只会给更多。
74But if I have to worry about money every day, all day, I can't even take care of myself.但是,如果我每天要担心钱,一整天,我甚至不能照顾自己.
75And I have nothing to give.我没什么好给的
76Lesson number two.第二课.
77Money equals time.钱等于时间。
78As soon as we start working, we start exchanging time for money,一旦我们开始工作, 我们开始交换时间的钱,
79which is a problem because we can always make more money, but we can never make more time.这是一个问题,因为我们总是可以赚更多的钱, 但我们永远不能得到更多的时间。
80And I started to exchange my time for far too little money.我开始用我的时间交换太少的钱
81I could barely survive.我几乎无法生存。
82And at the end of the month, there was nothing ever left to invest in my future.而到了月底,我的未来再也没有投资了.
83So I would have to spend all my time to make just a little bit of money.所以我得花所有时间赚点钱
84And I would probably have to do that for the rest of my life because there was nothing left.我可能不得不做我的余生 因为那里什么都没有了。
85And for the rest of my life, I would have given away the one thing that means the very most to me,而在我的余生, 我本会放弃一件事 对我意义最大的,
86which is time, time with my loved ones and time for myself.时间,时间 与我的爱人 和时间我自己。
87So I decided that it was time that I value my time.所以我决定,时间是 我珍惜我的时间。
88I would spend it more consciously.我会更自觉地花掉
89And when it comes to work, I would have to exchange it for more money说到工作,我就得换钱
90so I could spend less time working and more time actually living.所以我可以花更多的时间工作 更多的时间实际生活。
91Lesson number three, money equals value.第三课,钱等于值.
92It took me two years to discover that the money project is not about money.我花了两年时间才发现 这笔钱不是钱的事
93It's about value.是为值.
94And I've always seen myself as a confident person, but I didn't value myself我总是将自己视为自信的人 但我并不重视自己
95because the way you treat yourself is a reflection of the way you see yourself.因为你对待自己的方式 反映了你对自己的看法
96And I've been treating myself like crap, which I found a terrible example to set for my daughter.我把自己当垃圾一样对待 我为我女儿树立了一个可怕的榜样
97So changing my rates was not enough.所以,改变我的费率是不够的。
98I had to change the way I see myself.我必须改变自己的看法
99I had to start seeing myself as a person of value.我不得不开始将自己视为一个有价值的人。
100And that was not easily done.这不容易完成。
101It's a process, and I'm still working on it.这是一个过程,我仍在努力。
102So I still, on a regular basis, I still have to remind myself,所以我还是经常提醒自己
103it's okay, you're worth every penny.没关系,你每分钱都值
104And even now, I find it hard to say this out loud.即使现在 我很难大声说出来
105I get a bit embarrassed, so I'm still learning.我有点尴尬,所以我还在学习。
106I have to keep practicing.我得继续练习
107Lesson number four, what people say doesn't matter.第四课,人们说的不重要
108You're a cheap whore.你是个贱货
109You're a fraud.你是个骗子
110How can you do this to your child?你怎么能这样对你的孩子?
111Just a few of the comments that I received.只是我收到的一些评论。
112The hateful ones were on my timeline on Facebook, but the quiet ones, they hit safely in my inbox,讨厌的人在我的时间线上 在Facebook上, 但安静的, 他们安全地击中了我的收件箱,
113confessing only to me that they had screwed up too, that they too had found their purpose只向我承认他们也搞砸了 他们也找到了他们的目的
114and wanted to change the world and worked really hard, 80 hours a week, just like me, and barely surviving.并想改变世界 努力工作, 每周80小时,就像我一样, 勉强生存。
115But no one could know, so they didn't go public, because they were too ashamed to be a failure.但无人能知,所以没有公开,因为他们太惭愧,不能成为失败者.
116But they were very glad that I went public and exposed myself as a failure,但是他们很高兴我公开了自己是个失败者
117because now they could learn from my mistakes.因为他们现在可以从我的错误中吸取教训。
118And I was thankful that I could help them.我很感激我能帮助他们
119And I was also thankful for the haters, whether it was the strangers on my timeline,我也感谢那些仇恨者 不管是我时间线上的陌生人
120or even some of my own friends talking badly about me behind my back,甚至我的一些朋友 背着我说起我
121because they taught me that nothing is ever personal, not really.因为他们教我,没有什么 永远不是个人,不是真的。
122What people say about you and what people think about you, it comes from their view of the world.人们对你所说的话,以及人们对你的看法,都来自他们对世界的看法.
123It's from their opinions and their values and their experiences,这是来自他们的观点,他们的价值观 和他们的体验,
124and maybe they're having a bad day or they're very insecure or unhappy.也许他们今天过得很糟 或者很不安全或者很不高兴
125It has nothing to do with you.这和你无关
126And the way other people treat you is not a reflection of who you are, it's a reflection of who they are.而其他人对待你的方式并不是反映你是谁,而是反映他们是谁.
127So now when someone says something hurtful to me, it still hurts, but not as much,所以现在有人对我说伤害的话 仍然很痛 但没那么痛
128because I know it probably has nothing to do with me.因为我知道这可能跟我无关
129Lesson number five.第五课.
130What people say matters.众生所说法.
131What people say matters most when people is you.当人是你时人们说的才是最重要的
132Because the person with the most opinions about you, the person who talks to you the most, is you.因为对于你最有意见的人 最能跟你说话的人就是你
133And you tend to believe yourself, right?你总是相信自己 对吧?
134So be kind.所以请慈悲.
135A few days into the project I asked my daughter, how do our money worries make you feel?几天后,我问我女儿 我们的钱让你觉得怎么样?
136And she said, we don't have money worries, we just have less money than most people.她说,我们没有钱的担心, 我们的钱比大多数人少。
137And then I realized that until that moment I had been saying to myself on a regular basis, you're such a failure.然后我意识到,直到那一刻, 我一直经常对自己说, 你是如此失败。
138And then I realized, because of my daughter, that that kind of thinking was not going to do my circumstances any good.然后我意识到,因为我的女儿, 这种想法是不会 对我的情况有任何好处。
139And that's what they are, circumstances.情况就是这样
140They don't define you, your response to them does.他们没有定义你, 你的反应他们。
141And my response was to be kind to myself, to say to myself, you'll be okay, you can do this.我的反应是对我好,对自己说, 你会没事的,你可以做到这一点。
142And then whatever it took, I would do it.之后无论付出什么代价 我都会这么做
143Lesson number six.第六课.
144It's really simple.很简单
145I learned so much about business and entrepreneurship and compounding, investing, entrepreneurship, about scalability, hour rates, sales, low-hanging fruit, runway, value propositions.我学到了很多关于商业和创业以及复合,投资,创业,可伸缩性,小时率,销售,低挂水果,跑道,价值命题的知识.
146But to be honest, everything I learned, I could have learned from my grandmother.但老实说,我学到的一切 我都能从祖母那里学到
147Because the essence is this, spend less, earn more, invest wisely, and most of all, value yourself.因为本质上是这样的,少花钱,多赚钱,明智投资,最重要的是重视自己.
148But simple is not always easy.但简单并不总是容易的。
149Let me ask you a question.让我问你一个问题。
150Who makes more money today than you did at your very first job?今天谁比你第一次工作赚的钱还多?
151That's quite a lot of people.相当多人
152Okay.摆
153Be ready.准备好
154There's another question.还有个问题
155Be honest.诚实点
156I promise I won't tell anyone, but be honest.我保证不会告诉任何人,但说实话。
157Who still, at the end of the month, sometimes is out of money?还有谁,在月底,有时是没钱?
158Or a lot of times, maybe.也可能是很多时候
159Yeah.对
160That's quite a lot.这是相当多。
161Huh?是吗?
162Okay.摆
163You're not alone.你不是一个人。
164And this is why.这就是为什么。
165It's called Parkinson's Law.名为帕金森定律.
166Your expenses will always rise to match your income.您的开销将永远与收入相匹配。
167This is why most people retire poor and why lottery winners tend to end up with less money a few years after they won than they had before.这就是为什么大多数人退休穷人的原因,以及为什么彩票赢家在获胜几年后往往会比以前少花钱。
168And about a year after I started the money project, I was earning a lot of money.在我开始钱项目一年后, 我赚了很多钱。
169I was doing well, but still I didn't really have anything left at the end of the month.我做得很好,但仍然没有 真正留下任何在月底。
170And I realized that when it comes to spending, I'm a 12-year-old, so I should treat myself accordingly.我意识到,在支出方面,我是一个12岁的孩子, 所以我应该对自己做出相应的对待。
171So now I hardly have any access to my money.所以现在我几乎拿不到钱了
172As soon as money comes in, most of it goes straight to accounts that I cannot touch.钱一来 大部分就直接转到我无法触及的账户上
173And I will probably have to do this for the rest of my life, and I don't care.我一生都得这么做 我不在乎
174Because if there's one thing that I learned from this project, it's I can't afford to be poor.因为如果我从这个项目中学到了一件事,那就是我不能贫穷。
175Lesson number eight.第八课.
176Being broke sucks.破产很糟
177It does.没错
178Two years ago, my entire life was urgent.两年前,我整个人生都很紧迫
179Everything was urgent.一切都很紧急
180I had to be a full-time problem solver, which is both exhausting and impossible.我不得不是一个全职的问题解决者, 这既累人又不可能。
181It捉22.
182Because scarcity captures the mind.因为缺乏能捕捉到心灵
183Research shows that when all you can think about, and that was the case for me,研究表明,当你能想到的一切, 而对我来说,
184when all you can think about is how do I get food on the table tonight, how do I get money today,当你能想到的只是 我如何得到食物今晚的桌上, 我如何得到今天的钱,
185that takes up all of your thinking space.这占用了你所有的思考空间
186There's no room left to solve anything for tomorrow or next week or to make a change next year.明日或下周,或明年改,皆无解决之余地.
187You're stuck in the situation.你被困在这种情况下
188And my situation was that my brain felt like a ticking time bomb.我的情况是,我的大脑 感觉就像一颗定时炸弹。
189I can still today hear the sound of the bills dropping on my doormat, and it still freaks me out.今天我仍然能听到 帐单掉在我的门垫上的声音, 它仍然吓到我了。
190And day and night, I felt this blind panic.日复一日,我感到盲目的恐慌
191I couldn't breathe.我无法呼吸。
192There was no way out.没有出路。
193I was suffocating.我闷死了
194So the first thing and the only thing that I could do was breathe.所以第一件事,我唯一能做的就是呼吸。
195I freed my mind, and I made a decision that I was going to be successful in the direction of my purpose.我解放了头脑,我做了一个决定,我将在我的目的方向上取得成功.
196I found my focus.我发现我的焦点。
197I stopped sabotaging myself, and I became successful.我不再破坏自己, 我得到了成功。
198Lesson 9.第九课
199Stay broke.保持破产。
200Epictetus said a very long time ago, wealth consists not in having great possessions, but in having few wants.Epictetus很早就说过,财富不在于拥有巨大的财产,而在于没有多少欲望.
201The paradox is that the more money you have, the more silence and no Wi-Fi become a luxury.矛盾的是,你的钱越多,沉默和没有Wi-Fi就会成为奢侈品.
202It's ridiculous how much money rich people, money-wise rich people, spend on going somewhere quiet.有钱人,有钱人,花多少钱去安静的地方是荒谬的.
203When I had nothing, all I could afford was to go somewhere quiet, to just sit still or read a book or go outside or go for a run, play with my child.当我一无所有时 我只能去一个安静的地方 静静地坐着或者看书 或者出去玩 和我的孩子玩
204And in those moments, I found my most profound moments of happiness.在那些时刻,我找到了我最深的幸福时刻。
205I learned that my daughter doesn't need any money or expensive gifts or fancy trips.我得知我女儿不需要任何金钱 昂贵的礼物 或花样旅行
206All she wants, really, is a few moments a day of my undivided attention.她想要的,真的,是 几天的时间,我无所不在的关注。
207And all I really want is to be present in my own life.我真正想要的就是在自己的生活中出现
208So now that I have money, I choose to live as if I'm broke.所以现在我有钱了,我选择活得像没钱一样
209And without the worries, I can finally say money is not important.而且不用担心,我终于可以说钱不重要。
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P3 · 亏了一大笔钱后,我领悟到的10件事【TED演讲】 p03 无字幕(中英外挂) (P3)

字幕摘录

时间英文中文
0:01I used to be successful, according to society.我曾经是成功的,根据社会。
0:05I had left a well-paid job in marketing to become an entrepreneur.我为了成为企业家 离开了一份高薪的营销工作
0:10And very soon I could buy anything I wanted.很快我就能买到我想要的东西
0:13Not anything in the world, anything I wanted, which was a lot still.世界上什么都没有,我想要的, 还有很多。
0:17My impulse purchases included a brand new car and a house.我的冲动购买包括一辆全新的汽车和一栋房子.
0:23My entire life was just about fun, and I can say I created some amazing memories.我的整个人生都是有趣的, 我可以说,我创造了一些惊人的回忆。
0:30But it was just fun.但它只是乐趣。
0:31I wanted more.我还想吃
0:33I wanted joy.我想要快乐。
0:34I wanted to do something that would last, something that mattered.我想做一些能持久的事 很重要的事
展开字幕全文(278 条)
序号英文中文
1I used to be successful, according to society.我曾经是成功的,根据社会。
2I had left a well-paid job in marketing to become an entrepreneur.我为了成为企业家 离开了一份高薪的营销工作
3And very soon I could buy anything I wanted.很快我就能买到我想要的东西
4Not anything in the world, anything I wanted, which was a lot still.世界上什么都没有,我想要的, 还有很多。
5My impulse purchases included a brand new car and a house.我的冲动购买包括一辆全新的汽车和一栋房子.
6My entire life was just about fun, and I can say I created some amazing memories.我的整个人生都是有趣的, 我可以说,我创造了一些惊人的回忆。
7But it was just fun.但它只是乐趣。
8I wanted more.我还想吃
9I wanted joy.我想要快乐。
10I wanted to do something that would last, something that mattered.我想做一些能持久的事 很重要的事
11So I started working with students, and this was fantastic.所以我开始和学生一起工作,这太棒了。
12For the first time in my life, people would come up to me and say,我这辈子第一次有人来找我说
13thank you, you've changed my life.谢谢你,你改变了我的生活。
14And that was so valuable to me that I would do it for just a little bit of money,那对我很重要,我为了一点钱就这么做,
15if they wouldn't pay me enough.如果他们不付我足够的钱。
16I would even do it for free.我甚至会免费做
17A lot.经常
18Until I reached a point where even a small financial setback直到我到了一个点 甚至一个小小的财政挫折
19could ruin me as an entrepreneur.可能毁了我作为一个企业家。
20And of course it did.当然了
21In the middle of summer of 2016, when all schools are closed2016年夏中,所有学校关闭
22and I wouldn't have any income for another two months or so,再过两个月我就没有收入了
23I received five envelopes at the same time from the tax services,我同时从税务部门收到五个信封
24demanding that I pay for my glory days immediately.要求我立即为我的荣耀付出代价
25This cost me everything I had.这花了我的一切。
26All my savings, all the money that I had, and all I had left in an instant我所有的积蓄,我所有的钱, 我留下的一切瞬间
27was just a few coins that I found between the cushions of the sofa只是我发现的几块硬币 在沙发的垫子之间
28and in my coat pockets and in my car, and three euros and 97 cents in the bank.在我的外套口袋里 在我的车里 还有银行里的三欧元和97美分
29Two days later, my daughter would come back from staying with her father.两天后,我女儿会回来陪她的父亲
30She would come back on her birthday, and I couldn't afford to bake her a cake.她生日时会回来 我负担不起给她烤蛋糕
31What I wanted to do was just to crawl into bed and cry,我想做的只是爬进床上哭
32which I don't like, and just hide under the covers until it would all just go away.藏在盖子底下 直到一切都消失
33But I couldn't.但我无法。
34I didn't have time because I only had 48 hours我没有时间 因为我只有48小时
35to prove to myself that I was better than this.来证明我比这强
36That I was a good mother.我是个好母亲
37So what I did was the most terrifying and the most embarrassing thing我所做的是最可怕 最尴尬的事
38I've ever done in my life.我这辈子做过很多事
39I decided to expose myself publicly as a failure,我决定公开揭露自己的失败
40and I thought that the best place to start would be rock bottom.我想,最好的起点是 摇滚底层。
41So I gave away my last bit of money, and then I had absolutely nothing,于是我把最后一点钱都给了 我一无所有
42and then the only way was up.然后唯一的办法就是起来。
43I called it The Money Project.我称之为钱计划。
44I published a video on Facebook stating that I had failed gloriously我在脸书上发表了一段视频 说我失败了
45as an entrepreneur, that I was totally broke,作为一个企业家, 我彻底破产,
46and that I was determined to change my situation,我决心改变我的处境
47to learn anything I could about entrepreneurship and business and money学习我所能学到的一切 关于创业、商业和金钱
48and enhance my financial intelligence,并增强我的金融情报
49and that I was determined to become free of financial stress within six months,我决心在六个月内摆脱财政压力
50and to go from nothing to a fortune,为了从无到有,
51or at least discover what the secret to doing that was,或至少发现是什么秘密 这样做,
52and to become a successful entrepreneur.成为成功的企业家
53And I would write a book about it,我会写一本关于它的书,
54and this book I would sell right away for ten euros a copy,这本书我会马上卖10欧元一册,
55and that day I didn't dare look at the responses on my timeline那天我不敢看时间轴上的回复
56because this was quite scary,因为这是相当可怕的,
57but that first day I sold 64 books,但第一天我卖了64本书
58and I had a fortune.我有一个财富。
59Until this day I've never felt more rich in my entire life,直到今天 我这辈子从未觉得更有钱过
60because this meant I could now bake a birthday cake,因为这意味着我现在可以烤一个生日蛋糕了
61and she could have a proper birthday, which she did.她可以有一个合适的生日,她做到了。
62And then I read, I vlogged, I blogged, I interviewed,我读了,我写了,我写了博客,接受采访,
63I learned anything I could, and I succeeded.我学到了一切,我成功了。
64Within six months I was free of financial stress,六个月内,我没有财政压力
65and I could say that I was a successful entrepreneur.我可以说我是一个成功的企业家。
66And all this time I had been thinking that this Money Project,我一直想这个钱计划
67what I called it, was about money, of course, and business,我称之为钱 当然还有生意
68but deep down it was about something completely different.但是在内心深处 事情完全不同
69It was about value and about life,这是关于价值和生命,
70and I will share with you what I learned about life.我会和你们分享我学到的生活
71Lesson number one, money is important.第一课 钱很重要
72Quite a cliché.陈词滥调.
73But I was raised in a way to believe that money is not important,但我养大是为了相信钱不重要
74and I inherited this conviction somehow.我继承了这个信念
75I can't blame anyone in particular,我不能怪任何人特别,
76but somehow it planted a conviction in my head但不知怎的,它使我心中充满了信念
77that people with money are not nice people.有钱的人不是好人
78So when I had money, I would spend it as soon as I could.所以当我有钱的时候 我会尽快花掉
79And then when I found my purpose working with students,然后当我发现我的目的 在学生工作,
80I just didn't ask for it.我只是没有要求
81I didn't care, I just wanted to change the world,我不在乎 我只是想改变世界
82which I had no impact on whatsoever with three euros and 97 cents.3欧元和97美分 我没有任何影响
83And I also learned that money doesn't make you a bad person,我也知道钱不会让你变成坏人
84it just makes you more of who you are.它只是让你更多 你是谁。
85So if you're a jerk with a lot of money,如果你是个有钱的混蛋
86you're probably a jerk when you're broke as well.你可能是一个混蛋 当你破产了。
87And if I would have more money, I would simply give more.如果我有更多的钱,我只会给更多。
88But if I have to worry about money every day, all day,但如果我每天都要担心钱的事
89I can't even take care of myself, and I have nothing to give.我甚至不能照顾自己, 我没有什么可以给。
90Lesson number two, money equals time.第二课 钱等于时间
91As soon as we start working, we start exchanging time for money,一旦我们开始工作, 我们开始交换时间的钱,
92which is a problem because we can always make more money,这是一个问题,因为我们总是可以赚更多的钱,
93but we can never make more time.但我们再也没有时间了
94And I started to exchange my time for far too little money.我开始用我的时间交换太少的钱
95I could barely survive.我几乎无法生存。
96And at the end of the month, there was nothing ever left月末时 什么都没有了
97to invest in my future.投资我的未来。
98So I would have to spend all my time to make just a little bit of money,所以我得花所有时间赚点钱
99and I would probably have to do that for the rest of my life我可能不得不这样做 我的余生
100because there was nothing left.因为那里什么都没有
101And for the rest of my life, I would have given away the one thing而我的余生, 我会放弃一件事
102that means the very most to me, which is time,这对我来说意味着最重要的, 是时候了,
103time with my loved ones and time for myself.时间与我的爱人 和时间我自己。
104So I decided that it was time that I value my time.所以我决定,时间是 我珍惜我的时间。
105I would spend it more consciously, and when it comes to work,我会更自觉地花掉 当它涉及到工作时
106I would have to exchange it for more money我不得不用它换更多的钱
107so I could spend less time working and more time actually living.所以我可以花更多的时间工作 更多的时间实际生活。
108Lesson number three, money equals value.第三课,钱等于值.
109It took me two years to discover that the money project is not about money.我花了两年时间才发现 这笔钱不是钱的事
110It's about value.是为值.
111And I've always seen myself as a confident person,我一直认为自己是个自信的人
112but I didn't value myself because the way you treat yourself但我不重视自己 因为你对待自己的方式
113is a reflection of the way you see yourself,这反映了你对自己的看法,
114and I've been treating myself like crap,我一直把自己当垃圾
115which I found a terrible example to set for my daughter.我为我女儿树立了一个可怕的榜样。
116So changing my rates was not enough.所以,改变我的费率是不够的。
117I had to change the way I see myself.我必须改变自己的看法
118I had to start seeing myself as a person of value,我不得不开始将自己视为一个有价值的人,
119and that was not easily done.这并不容易完成。
120It's a process, and I'm still working on it,这是一个过程, 我还在努力,
121so I still, on a regular basis, I still have to remind myself,所以我还是定期提醒自己
122it's okay, you're worth every penny.没关系,你每分钱都值
123And even now, I find it hard to say this out loud.即使现在 我很难大声说出来
124I get a bit embarrassed, so I'm still learning.我有点尴尬,所以我还在学习。
125I have to keep practicing.我得继续练习
126Lesson number four.第四课.
127What people say doesn't matter.人之所言无碍.
128You're a cheap whore.你是个贱货
129You're a fraud.你是个骗子
130How can you do this to your child?你怎么能这样对你的孩子?
131Just a few of the comments that I received.只是我收到的一些评论。
132The hateful ones were on my timeline on Facebook,讨厌的人在我的时间线上 在Facebook上,
133but the quiet ones, they hit safely in my inbox,但安静的, 他们安全地击中了我的收件箱,
134confessing only to me that they had screwed up too,只向我承认他们也搞砸了
135that they too had found their purpose他们也发现自己的宗旨,
136and wanted to change the world and worked really hard,并想改变世界 努力工作,
13780 hours a week, just like me, and barely surviving,每周80小时,就像我一样,几乎没活下来
138but no one could know, so they didn't go public但没人知道,所以他们没有公开
139because they were too ashamed to be a failure.因为他们太羞愧了,不能成为失败者。
140But they were very glad that I went public但是他们很高兴我公开了
141and exposed myself as a failure暴露自己是个失败者
142because now they could learn from my mistakes.因为他们现在可以从我的错误中吸取教训。
143And I was thankful that I could help them,我很感激我能帮助他们,
144and I was also thankful for the haters,我也感谢那些仇恨者,
145whether it was the strangers on my timeline是否是我时间线上的陌生人
146or even some of my own friends甚至我的一些亲友
147talking badly about me behind my back背着我说不好
148because they taught me that nothing is ever personal,因为他们教会我 没有什么是私人的,
149not really.没有
150What people say about you and what people think about you,人们对你的看法和对你的看法
151it comes from their view of the world.它来自他们的世界观。
152It's from their opinions and their values这是他们的观点和价值观
153and their experiences, and maybe they're having a bad day和他们的经验, 也许他们有一个糟糕的一天
154or they're very insecure or unhappy.或者他们非常不安全或不快乐
155It has nothing to do with you.这和你无关
156And the way other people treat you还有别人对待你的方式
157is not a reflection of who you are,不是反映你是谁,
158it's a reflection of who they are.这是他们是谁的反映。
159So now when someone says something hurtful to me,所以现在有人对我说些伤人的话
160it still hurts, but not as much仍然很痛,但没这么痛
161because I know it probably has nothing to do with me.因为我知道这可能跟我无关
162That's number five.即为第五.
163What people say matters.众生所说法.
164What people say matters most when people is you当人是你的时候 别人说什么才是最重要的
165because the person with the most opinions about you,因为对你最有意见的人
166the person who talks to you the most, is you.最能跟你说话的人是你
167And you tend to believe yourself, right?你总是相信自己 对吧?
168So be kind.所以请慈悲.
169A few days into the project I asked my daughter,几天后,我问我女儿
170how do our money worries make you feel?我们的钱让你感觉如何?
171And she said, we don't have money worries,她说,我们不担心钱
172we just have less money than most people.我们的钱比大多数人都少
173And then I realized that until that moment然后我意识到,直到那一刻
174I had been saying to myself on a regular basis,我经常对自己说
175you're such a failure.你真是个失败者
176And then I realized, because of my daughter,后来我意识到 因为我女儿
177that that kind of thinking was not going to do my circumstances any good.那种想法对我的情况没有任何好处。
178And that's what they are, circumstances.情况就是这样
179They don't define you.他们没有定义你。
180Your response to them does.你对他们的反应确实如此。
181And my response was to be kind to myself,我的反应是对我好
182to say to myself, you'll be okay.对我说,你会没事的。
183You can do this.你可以做到这一点。
184And then whatever it took, I would do it.之后无论付出什么代价 我都会这么做
185That's the number six.即第六义.
186It's really simple.很简单
187I learned so much about business and entrepreneurship我学到了很多关于商业和创业的知识
188and compounding, investing, entrepreneurship,以及复合、投资、创业、
189about scalability, hour rates, sales,关于可伸缩性,小时率,销售,
190low-hanging fruit, runway, value propositions.低挂水果 跑道 价值建议
191But to be honest, everything I learned但说实话,我学到的一切
192I could have learned from my grandmother.我本可以从祖母那里学的
193Because the essence is this.因为本质就是这个。
194Spend less, earn more, invest wisely,少花钱多赚钱 明智投资
195and most of all, value yourself.最重要的是,重视你自己。
196But simple is not always easy.但简单并不总是容易的。
197Let me ask you a question.让我问你一个问题。
198Who makes more money today than you did at your very first job?今天谁比你第一次工作赚的钱还多?
199That's quite a lot of people.相当多人
200Okay.摆
201Be ready.准备好
202There's another question.还有个问题
203Be honest.诚实点
204I promise I won't tell anyone, but be honest.我保证不会告诉任何人,但说实话。
205Who still, at the end of the month, sometimes is out of money?还有谁,在月底,有时是没钱?
206Or a lot of times, maybe.也可能是很多时候
207Yeah.对
208That's quite a lot, huh?够多的吧?
209Okay.摆
210You're not alone.你不是一个人。
211And this is why.这就是为什么。
212It's called Parkinson's Law.名为帕金森定律.
213Your expenses will always rise to match your income.您的开销将永远与收入相匹配。
214This is why most people retire poor这就是为什么大多数人 退休穷人
215and why lottery winners tend to end up with less money和为什么彩票赢家往往以更少的钱结束
216a few years after they won than they had before.在他们获胜之后的几年里
217And about a year after I started the money project,在我开始钱项目一年后
218I was earning a lot of money.我赚了很多钱。
219I was doing well, but still I didn't really have anything left我做得很好,但我还是没有 真正留下任何东西
220at the end of the month.月终时。
221And I realized that when it comes to spending,我意识到,当涉及到支出,
222I'm a 12-year-old.我十二岁了
223So I should treat myself accordingly.所以我应该这样对待自己
224So now I hardly have any access to my money.所以现在我几乎拿不到钱了
225As soon as money comes in,钱一进来
226most of it goes straight to accounts that I cannot touch,大部分都直接转到我无法触及的账户上
227and I will probably have to do this for the rest of my life,我可能不得不这样做 我的余生,
228and I don't care.我无所谓
229Because if there's one thing that I learned from this project,因为如果我从这个项目学到一件事
230it's I can't afford to be poor.我无法承受贫穷
231Lesson number eight.第八课.
232Being broke sucks.破产很糟
233It does.没错
234Two years ago, my entire life was urgent.两年前,我整个人生都很紧迫
235Everything was urgent.一切都很紧急
236I had to be a full-time problem solver,我不得不是一个全职的问题解决者,
237which is both exhausting and impossible.这既累人又不可能
238It捉22.
239Because scarcity captures the mind.因为缺乏能捕捉到心灵
240Research shows that when all you can think about,研究表明,当你能想到的一切,
241and that was the case for me,对我来说就是这样
242when all you can think about is how do I get food on the table tonight?你唯一能想到的就是 我今晚怎么把食物放在桌上?
243How do I get money today?我今如何得钱.
244That takes up all of your thinking space.这占用了你所有的思考空间。
245There's no room left to solve anything for tomorrow or next week明天和下周都无处可查
246or to make a change next year.或者明年做点改变
247You're stuck in the situation.你被困在这种情况下
248And my situation was that my brain felt like a ticking time bomb.我的情况是,我的大脑 感觉就像一颗定时炸弹。
249I can still today hear the sound of the bills dropping on my doormat,今天我仍然能听到 帐单掉在我的门垫上的声音,
250and it still freaks me out.还让我害怕
251And day and night, I felt this blind panic.日复一日,我感到盲目的恐慌
252I couldn't breathe.我无法呼吸。
253There was no way out.没有出路。
254I was suffocating.我闷死了
255So the first thing and the only thing that I could do was breathe.所以第一件事,我唯一能做的就是呼吸。
256I freed my mind, and I made a decision我解放了头脑,我做了一个决定
257that I was going to be successful in the direction of my purpose.我会成功实现我的目标
258I found my focus.我发现我的焦点。
259I stopped sabotaging myself.我不再破坏自己。
260And I became successful.我获得了成功。
261Lesson nine, stay broke.第九课,继续破产。
262Epictetus said a very long time ago,埃皮卡特斯很久以前说过
263wealth consists not in having great possessions,财富不在于有大的财产,
264but in having few wants.但因为没有太多的希望
265The paradox is that the more money you have,矛盾的是 你的钱越多
266the more silence and no Wi-Fi become a luxury.沉默和无线网络成为奢侈品
267It's ridiculous how much money rich people, money-wise rich people,有钱人,有钱人,
268spend on going somewhere quiet.花去一个安静的地方。
269When I had nothing, all I could afford was to go somewhere quiet,当我一无所有时 我只能去一个安静的地方
270to just sit still or read a book or go outside or go for a run,静静地坐着或看书 或出去或跑步,
271play with my child.和我的孩子玩游戏
272And in those moments, I found my most profound moments of happiness.在那些时刻,我找到了我最深的幸福时刻。
273I learned that my daughter doesn't need any money我得知我女儿不需要钱
274or expensive gifts or fancy trips.或昂贵的礼物或豪华旅行。
275All she wants, really, is a few moments a day of my undivided attention.她想要的,真的,是 几天的时间,我无所不在的关注。
276And all I really want is to be present in my own life.我真正想要的就是在自己的生活中出现
277So now that I have money, I choose to live as if I'm broke.所以现在我有钱了,我选择活得像没钱一样
278And without the worries, I can finally say money is not important.而且不用担心,我终于可以说钱不重要。
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