从0到财务自由：三个等级改变你的财富命运
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | At $0, you're a slave to the next paycheck. | 在10美元,你是下一个薪水的奴隶。 |
| 0:05 | At $25,000, you finally have breathing room. | 25,000美元,你终于有呼吸室了 |
| 0:09 | At $100,000, you're dangerous. | 十万元,你很危险 |
| 0:13 | But once you hit that final level, work becomes optional. | 但一旦你到了最后的关卡,工作就变成了可选的。 |
| 0:18 | I used to think getting to financial freedom was just one long road, | 我曾经认为获得金融自由只是一条漫长的道路, |
| 0:21 | but after reading the book Set For Life, | 但读完《人生设定》之后 |
| 0:24 | I realized that it is actually a game with three different levels. | 我意识到这其实是一个游戏 有三个不同的关卡。 |
| 0:29 | And the rules change at every level. | 规则在各个层面都有所变化。 |
| 0:32 | The exact rules that get you to your first $25,000 | 让你拿到头两万五的规矩 |
| 0:35 | will keep you totally stuck when you try to hit $100,000. | 当你试图打10万美元时 就会被困住 |
展开字幕全文（368 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | At $0, you're a slave to the next paycheck. | 在10美元,你是下一个薪水的奴隶。 |
| 2 | At $25,000, you finally have breathing room. | 25,000美元,你终于有呼吸室了 |
| 3 | At $100,000, you're dangerous. | 十万元,你很危险 |
| 4 | But once you hit that final level, work becomes optional. | 但一旦你到了最后的关卡,工作就变成了可选的。 |
| 5 | I used to think getting to financial freedom was just one long road, | 我曾经认为获得金融自由只是一条漫长的道路, |
| 6 | but after reading the book Set For Life, | 但读完《人生设定》之后 |
| 7 | I realized that it is actually a game with three different levels. | 我意识到这其实是一个游戏 有三个不同的关卡。 |
| 8 | And the rules change at every level. | 规则在各个层面都有所变化。 |
| 9 | The exact rules that get you to your first $25,000 | 让你拿到头两万五的规矩 |
| 10 | will keep you totally stuck when you try to hit $100,000. | 当你试图打10万美元时 就会被困住 |
| 11 | If you play the wrong level with the wrong rules, | 如果你玩错了关卡 错误的规则, |
| 12 | you can work hard for 10 years and never move forward. | 你可以努力工作10年 永远不要前进 |
| 13 | So today, I am giving you the full map, | 今天,我给你完整的地图 |
| 14 | three levels from zero to financial freedom. | 从零到金融自由三级. |
| 15 | Let's start with level one, zero to $25,000. | 先从一级开始,0到25000美元. |
| 16 | Most people are one bad month away from a crisis. | 大多数人都有一个糟糕的月 远离危机。 |
| 17 | Their whole life depends on next month's paycheck arriving on time. | 他们的一生都取决于下个月的工资按时到来. |
| 18 | Level one is about escaping that. | 一级是逃避它。 |
| 19 | The goal is simple. | 目标很简单。 |
| 20 | Save one full year of living expenses. | 省一整年生活费. |
| 21 | Depending on where you live, that's somewhere between $15,000 and $25,000. | 这取决于你住在哪里, 某处15,000到25,000美元。 |
| 22 | Think of it like a plane taking off. | 就像飞机起飞一样 |
| 23 | Without a runway, you can't get into the air. | 没有跑道,就无法进入空中. |
| 24 | Without cash in the bank, you're stuck. | 没有现金在银行,你卡住了。 |
| 25 | Here are four rules that will help you to save faster. | 这里有四项规则可以帮助你更快地节省. |
| 26 | Rule number one. | 规则一。 |
| 27 | You don't deserve the best. | 你配不上最好的人选 |
| 28 | You deserve freedom. | 你应该得到自由。 |
| 29 | Does an $80 bottle of wine make you 10 times happier than an $8 one? | 80美元酒能比8美元更快乐吗? |
| 30 | Of course not. | 当然不是。 |
| 31 | Good enough and the best usually give you the same experience, | 足够好,最好 通常给你同样的经历, |
| 32 | but the price difference is huge. | 但价格差异很大 |
| 33 | The same goes for your phones, clothes, cars, all of it. | 你的电话、衣服、车都一样 |
| 34 | Right now, you don't need to buy the best. | 现在,你不需要买最好的。 |
| 35 | You get what's good enough at a lower price so that you can save more. | 以低价得到足够好的东西,可以节省更多. |
| 36 | Rule number two. | 规则二。 |
| 37 | A dollar saved is worth more than a dollar earned. | 省下来的一美元价值超过一美元。 |
| 38 | Most people think earning more is the fastest way to get ahead, | 大多数人认为赚更多是最快的前进方式 |
| 39 | but saving is actually more powerful at level one. | 但储蓄在一级更强大 |
| 40 | Here's why. | 这是为什么。 |
| 41 | Income is taxed while savings are not. | 收入在储蓄不纳税的情况下征税。 |
| 42 | If you're paying 25% in taxes with a $5,000 raise, | 如果你付25%的税加5000美元 |
| 43 | you only keep $37.50. | 你只保留37块50 |
| 44 | But if you move to a cheaper apartment and save $5,000 on rent, | 但如果你搬到更便宜的公寓 并节省5000美元的租金, |
| 45 | you keep all $5,000. | 你留着所有的$5000。 |
| 46 | So at this stage, the money you don't spend is worth more than the money you chase. | 因此,在这个阶段,你不花的钱 比你追求的钱更值钱。 |
| 47 | Rule number three. | 规则三。 |
| 48 | Change the big things, not the small ones. | 改变大事,而非小事. |
| 49 | On average, over 70% of our spending goes to just three to four categories. | 平均来说,我们开支的70%以上只是三到四类。 |
| 50 | Housing, transportation, food, and health-related costs. | 住房、交通、食品和与健康有关的费用。 |
| 51 | The fun stuff like coffees, clothes, and the rest is less than 20%. | 有趣的东西,如咖啡,衣服,其余的不到20%. |
| 52 | And most people focus on that because they think big expenses like rent are fixed. | 大多数人关注这一点,因为他们认为租金等大开支是固定的。 |
| 53 | They're not. | 他们不是。 |
| 54 | Get a flatmate. | 找一个室友。 |
| 55 | Move to a cheaper neighborhood. | 搬到比较便宜的街区 |
| 56 | Switch to public transport. | 换乘公共交通. |
| 57 | Or if your culture supports it, live with your family. | 或者如果你的文化支持它, 与你的家人一起生活。 |
| 58 | There's no shame in this. | 此中无惭愧. |
| 59 | One decision about a big thing like housing can save you thousands a year. | 做出一个决定,像住房这样的大事,每年可以拯救你数千人. |
| 60 | You make it once and it's done. | 你做了一次就结束了 |
| 61 | No willpower needed every day. | 没有每天都需要的意志力。 |
| 62 | Compare that with trying not to eat out every Friday night. | 把这和每周五晚上不吃东西相比 |
| 63 | You save very little and you have to think about it every week. | 你省得很少,每星期都要考虑一下 |
| 64 | Rule number four. | 规则四。 |
| 65 | Kill the bad debt first. | 先杀坏债. |
| 66 | If you have high interest debt, do not invest, do not save, pay it off first. | 有高息债务的,不要投资,不要储蓄,先还. |
| 67 | Most people do the opposite. | 大多数人都这样做。 |
| 68 | They put money into the stock market earning 8% while paying 16% interest on a loan. | 他们把钱投进股票市场,赚取8%的收入,同时支付16%的贷款利息. |
| 69 | That's like running up an escalator that's going down twice as fast. | 这就像跑上一个自动扶梯 下降两倍快。 |
| 70 | No matter how hard you run, you're still going down. | 无论你跑多快,你还是会下去的 |
| 71 | Change how you see this. | 改变你的看法 |
| 72 | Paying off debt is like investing. | 偿还债务就像投资 |
| 73 | If you pay off a loan that charges you 16% interest, | 如果你还清贷款 收取你16%的利息 |
| 74 | you just earned a guaranteed 16% return on your money. | 你刚刚赚了16%的回报 |
| 75 | These four rules don't just save you money. | 这四条规则不只是省钱 |
| 76 | They open doors to better opportunities. | 他们为更好的机会打开了大门。 |
| 77 | Let me show you what I mean. | 让我告诉你我的意思。 |
| 78 | Meet David. | 见见大卫. |
| 79 | He earns five grand a month and spends it all and he never saves. | 他一个月挣五千块,花光了一切,从不省钱. |
| 80 | One day he gets offered a new job. | 总有一天他得到一份新工作。 |
| 81 | The salary is 15% less than what he makes now, but the upside is huge. | 薪水比他现在的低15%,但颠倒是巨大的. |
| 82 | Commission, ownership in the business, and a path to double his income within two years. | 佣金,企业所有权,以及两年内将收入增加一倍的途径. |
| 83 | But David can't take it. | 但大卫无法承受. |
| 84 | Because of the way he lives with big rent, big car payment, and all that, | 由于他的生活方式 与大租金,大汽车支付, 这一切, |
| 85 | he can't afford to earn less even for one month. | 他连一个月都赚不起少钱 |
| 86 | Now meet Marcus. | 现在见见马库斯 |
| 87 | He also earns $5,000 a month, but Marcus spends half and has saved $25,000. | 他也每月挣5000美元,但马库斯花费了一半,并节省了25000美元. |
| 88 | Same job offer lands on his table. | 同一份工作可以提供他桌上的土地。 |
| 89 | He takes it without thinking twice. | 他没有考虑过两次 |
| 90 | The lower salary is still more than he needs. | 低薪仍然比他需要的还要多。 |
| 91 | And if it doesn't work out, he has a full year of savings to survive. | 如果失败了,他还有整整一年的积蓄可以生存. |
| 92 | That's the hidden power of level one. | 这就是第一级隐藏的力量. |
| 93 | It doesn't just save you money. | 它不只是节省你的钱。 |
| 94 | It gives you better opportunities than others. | 它给你比其他人更好的机会。 |
| 95 | Most people call that luck. | 大多数人都这么认为 |
| 96 | But luck is just what happens when you're financially prepared | 但运气只是当你在财政上做好准备时会发生的 |
| 97 | and the right opportunity shows up. | 和正确的机会出现。 |
| 98 | Level two, 25 grand to 100 grand. | 2级,25000到100000 |
| 99 | Level one was defense, saving, and protecting. | 一级是防御、储蓄和保护。 |
| 100 | Level two is attack. | 二层是攻击 |
| 101 | There are two things you need to do to get from 25,000 to 100,000. | 有两件事你需要做 从25,000到100,000。 |
| 102 | Let's start with the first one. | 先标第一义. |
| 103 | Make your house pay for you. | 令家付嘱. |
| 104 | The place you sleep in is not an investment. | 你睡的地方不是投资 |
| 105 | It is an expense. | 这是一种费用。 |
| 106 | Whether you're renting or have your own place and mortgage, | 无论你租房还是有自己的房子和抵押贷款 |
| 107 | housing eats up the biggest chunk of your income. | 住房消耗了你最大的收入 |
| 108 | But there's a way to change that. | 但有办法改变这一点。 |
| 109 | The strategy is called house hacking. | 这个策略叫做黑客 |
| 110 | Here's how it works. | 以此为法. |
| 111 | You buy a place. | 你买一个地方。 |
| 112 | You live in one part of it. | 你生活在其中的一部分。 |
| 113 | Then you rent out the rest. | 然后把剩下的租出去 |
| 114 | It could be a house with a spare room, a small building with a few units, | 可能是一间房子,有间空房, 一间小楼,有几间房, |
| 115 | or a place where you rent out the ground floor to a business and live upstairs. | 或者你把地上一层租给企业住的地方 |
| 116 | The tactic will look different depending on where you live. | 根据你住在哪里,战术会有所不同 |
| 117 | But the idea is always the same. | 但是这个想法总是一样的. |
| 118 | Make housing pay for you. | 为您支付住房费用。 |
| 119 | When I first heard about house hacking, my immediate reaction was, | 当我第一次听到黑客时 我立即的反应是 |
| 120 | it's not for me. | 这不是给我的。 |
| 121 | I have a family. | 我有一个家庭。 |
| 122 | I live in a city where this seems impossible. | 我住在一个看起来不可能的城市 |
| 123 | Then I found out that one of my own friends with two little kids actually did it. | 后来我发现,我有一个朋友 和两个小孩一起做了 |
| 124 | He found a two-floor house a little far from the city center. | 他发现一栋两层的房子离市中心有点远. |
| 125 | The first floor, he turned it into office space and rented it to a company. | 一楼,他把它变成办公场所,租给一家公司. |
| 126 | And the second floor is where he lives with his family. | 二楼是他和家人住的地方 |
| 127 | His story taught me something important. | 他的故事教会了我一些重要的事情. |
| 128 | The moment you say, it's not possible, | 你说的那一刻 这是不可能的 |
| 129 | you just blocked your brain from thinking further. | 你只是阻止了你的大脑 进一步思考。 |
| 130 | You completely stop looking for solutions. | 你完全停止寻找解决方案。 |
| 131 | But the second you ask, how could I make it work? | 但你一问,我怎么才能成功? |
| 132 | Your brain immediately goes to work. | 你的大脑马上工作 |
| 133 | Keep your mind open. | 保持你的头脑开放。 |
| 134 | Because one smart decision about housing will help you more | 因为一个关于住房的明智的决定 会帮助你更多 |
| 135 | than cutting all other expenses for years. | 而不是削减所有其他开支多年。 |
| 136 | Now let's talk about the second thing, earning more. | 现在我们来谈谈第二件事 赚更多钱 |
| 137 | How you increase your income depends on who you are. | 如何增加收入取决于你是谁。 |
| 138 | Most people fall into one of two categories. | 大多数人属于两类。 |
| 139 | The first group doesn't want to deal with the headache of running a business. | 第一集团不想应付经营企业的头痛. |
| 140 | Their personality wasn't built for it. | 他们的性格不是为此而建的. |
| 141 | Asking them to build a business is like asking a fish to climb a tree. | 问其建业如请鱼攀树. |
| 142 | The second group, which is likely most of you watching right now, | 第二组,你们现在可能大多在看 |
| 143 | has that deep hunger to work for themselves. | 有着如此巨大的饥饿 为自己工作。 |
| 144 | You won't ever be truly happy working for a boss. | 你永远也不会是真正的快乐 为老板工作。 |
| 145 | So no matter which group you're in, | 所以无论你属于哪个组 |
| 146 | here is exactly how you handle level two. | 这里正是你处理第二层的方式 |
| 147 | If you don't want to run a business, | 如果你不想做生意的话 |
| 148 | you need to stop climbing a job ladder | 你需要停止攀登工作阶梯 |
| 149 | that only gives you a tiny 3% raise every year. | 那每年只给你3%的加薪 |
| 150 | You're going nowhere fast. | 你跑不远的 |
| 151 | Instead, find a job where the work you do | 相反,找到一份你的工作 |
| 152 | directly controls how much you get paid. | 直接控制你得到多少钱。 |
| 153 | Look into skills like sales, | 研究销售之类的技能, |
| 154 | where you get a direct cut of every deal you close. | 在那里你得到一个直接的切 每一个你关闭的交易。 |
| 155 | Join a small, fast-growing company. | 加入一个成长迅速的小型公司. |
| 156 | Or start doing freelance work on your own terms, | 或开始做自由职业 根据你自己的条件, |
| 157 | where you set your own prices. | 在那里你确定自己的价格。 |
| 158 | Now, the author of the book actually warns against | 现在,这本书的作者 实际上警告 |
| 159 | starting a side business here. | 在这儿做副业 |
| 160 | He thinks you can't make real money | 他认为你赚不到钱 |
| 161 | after you're tired and worn out from working your long day job. | 在你累累累累累累累的 长时间工作之后 |
| 162 | And look, if your side hustle is just trading your time for pennies | 你看,如果你的一方 拼命只是交换你的时间 钱 |
| 163 | like driving a taxi or delivering food, | 比如开车或送食物 |
| 164 | the author is 100% right. | 作者百分百正确。 |
| 165 | You will quickly burn out. | 你会很快烧掉的 |
| 166 | But if you are building a real business that can scale up, | 但是,如果你正在建立一个真正的企业 可以扩大, |
| 167 | I completely disagree with the author. | 我完全同意作者的观点。 |
| 168 | And I can say that | 我可以说 |
| 169 | because I actually lived it. | 因为我真的活了下来 |
| 170 | When I built my YouTube channel, | 当我建立我的YouTube频道时 |
| 171 | I didn't just quit my job to go all in. | 我不只是辞掉我的工作去所有。 |
| 172 | That's financial suicide. | 这是财务自杀。 |
| 173 | Instead, I learned to look at my day job differently. | 相反,我学会了不同看待我的日常工作。 |
| 174 | My day job became the angel investor | 我的日常工作成了天使投资人 |
| 175 | that paid for my life while I built my dream. | 我做梦的时候付出了生命的代价 |
| 176 | It paid my rent and bought my groceries, | 它付了我的房租 买了我的杂货 |
| 177 | so I never had to panic about money. | 所以我从不担心钱 |
| 178 | So here's what I did. | 这就是我所做的。 |
| 179 | I woke up early. | 我早点醒来 |
| 180 | I worked on my own business before I went to work. | 上班前我一直在做自己的事 |
| 181 | I poured my nights and weekends into it. | 我用我的夜晚和周末来灌注 |
| 182 | It was exhausting. | 感觉很累 |
| 183 | It was a massive grind. | 这是一个巨大的磨。 |
| 184 | And it took me three straight years of working on the side | 我花了三年时间在一边工作 |
| 185 | before my YouTube channel made enough money | 在我YouTube频道赚到足够的钱之前 |
| 186 | for me to quit my job for good. | 为了我永远辞掉工作 |
| 187 | Now look, whether you start a business or grow at your job, | 听着,无论你创业还是工作成长 |
| 188 | the exact second you start making more money, | 当你开始赚更多的钱, |
| 189 | a dangerous trap will trigger. | 一个危险的陷阱会触发。 |
| 190 | Your brain will tell you that because you're earning more, | 你的大脑会告诉你 因为你赚得更多 |
| 191 | you finally deserve to spend more. | 你终于该多花点钱了 |
| 192 | You'll want a better apartment, | 你会想要一个更好的公寓, |
| 193 | the brand new car and the expensive clothes. | 全新的车和昂贵的衣服。 |
| 194 | This is called lifestyle inflation | 这叫生活方式通胀 |
| 195 | and it will kill everything you just built. | 它会杀死你刚刚建造的一切 |
| 196 | Do not fall for it. | 不要爱上它。 |
| 197 | The goal of level two is not to look rich, | 第二层的目标不是看起来富有, |
| 198 | make more money, | 赚更多的钱, |
| 199 | but don't spend more yet. | 但不要花更多的时间。 |
| 200 | Now let's move to level three, | 现在,我们进入三级 |
| 201 | a hundred grand to financial freedom. | 10万的金融自由。 |
| 202 | Before we talk about how to get there, | 在我们谈论如何到达之前 |
| 203 | let me first clarify what financial freedom | 让我先澄清什么是金融自由 |
| 204 | actually means. | 实际意思是... |
| 205 | Financial freedom means the money that comes from your assets | 金融自由是指来自你资产的钱 |
| 206 | is more than your living expenses. | 不只是你的生活费 |
| 207 | That's it. | 就这样 |
| 208 | It's not about having a million in the bank | 银行里没有一百万 |
| 209 | or a sports car. | 或者是运动车 |
| 210 | It's cash flowing in every month, | 每个月都有现金流通 |
| 211 | money landing in your account from assets you own, | 钱从你拥有的资产入帐 |
| 212 | more than your bills. | 比你的账单还多 |
| 213 | Even when you don't work, | 即使你不工作的时候 |
| 214 | it keeps coming. | 它一直来。 |
| 215 | That is financial freedom | 这是财政自由 |
| 216 | and it starts with you knowing your freedom number. | 从你知道自由号开始 |
| 217 | How? | 怎么会? |
| 218 | Take whatever you spend in a year, | 收下你一年里花的钱 |
| 219 | multiply it by 25. | 乘以二十五义. |
| 220 | That's how much you need invested | 这就是你需要投入多少 |
| 221 | in income producing assets to be financially free. | 创造收入的资产在财政上是免费的。 |
| 222 | Say you spend 40,000 a year to live, | 说你每年要花四万来生活 |
| 223 | multiply that by 25 and your freedom number is a million. | 乘以25,你的自由数字是百万。 |
| 224 | Remember all that cutting back you did | 记住你所做的一切 |
| 225 | in level one? | 在一级? |
| 226 | This is where it really pays off. | 这是它真正回报的地方。 |
| 227 | Let's say you reduce your spending by $500 a month. | 假设你每月把开支减少500美元 |
| 228 | That's six grand a year. | 每年六千块 |
| 229 | Now your yearly expenses just dropped to $34,000. | 现在,你的年开支刚刚下降到34 000美元。 |
| 230 | Multiply that by 25 | 乘以 25 个 |
| 231 | and your new freedom number is $850,000. | 你的新自由号码是85万 |
| 232 | You didn't just save money. | 你不只是省钱 |
| 233 | You literally pulled the target closer to you | 你把目标拉近了 |
| 234 | and wiped $150,000 off the board in one single move. | 一举一动就把15万块从董事会上抹去 |
| 235 | So if you learn how to cut more in level one, | 所以,如果你学会如何削减更多的一级, |
| 236 | you can get to financial freedom faster. | 你可以更快地获得财务自由。 |
| 237 | Now let's talk about how to actually get there | 现在我们来谈谈怎么去 |
| 238 | through investing. | 通过投资。 |
| 239 | There are two proven paths. | 有两条经过验证的道路。 |
| 240 | Path number one, passive investing. | 路径一,被动投资. |
| 241 | Warren Buffett's mentor, Benjamin Graham, said, | 沃伦·巴菲特的导师本杰明·格雷厄姆说, |
| 242 | don't try to maximize returns. | 不要试图最大化回报。 |
| 243 | Try to maximize your chances | 尽量增加你的机会 |
| 244 | of getting decent returns over a lifetime. | 获得体面的回报 一生。 |
| 245 | This simply means it's always better to move | 这说明搬家总更好 |
| 246 | at a steady, safe pace and actually finish the race | 以稳健安全的速度完成比赛 |
| 247 | instead of sprinting so fast | 而不是跑这么快 |
| 248 | that you trip and break your leg. | 你绊倒和打断你的腿。 |
| 249 | This is the exact philosophy behind low cost index funds. | 这正是低成本指数基金背后的理念。 |
| 250 | Based on history, on average, | 根据历史,平均 |
| 251 | they return about eight to 10% per year. | 他们每年返回约8-10%。 |
| 252 | It won't make you rich by next year, | 明年你不会发财的 |
| 253 | but it gives you something much more valuable, | 但它给了你更有价值的东西, |
| 254 | peace of mind and consistency. | 平和的心灵和一致性。 |
| 255 | Look, my entire job is reading finance investing | 你看,我的全部工作是读 金融投资 |
| 256 | and money books, finding the core lessons | 和钱书,寻找核心教训 |
| 257 | 在YouTube上总结一下 | |
| 258 | And if you take the most famous investing books in history, | 如果你拿历史上最著名的投资书籍 |
| 259 | strip away all the Wall Street jargon, | 把华尔街的方言都撕开 |
| 260 | they all boil down to one simple sentence. | 都归结为一句话 |
| 261 | If you're an average person, | 如果你是一个普通人, |
| 262 | buy index funds and stop picking stocks. | 购买指数基金并停止购买股票。 |
| 263 | That's it. | 就这样 |
| 264 | Every top investor says the same thing, | 每个顶级投资者都这么说 |
| 265 | but almost nobody listens. | 但几乎没人听 |
| 266 | My friends know what I do for a living. | 我的朋友知道我做什么为生。 |
| 267 | So whenever we get together, | 所以,每当我们在一起, |
| 268 | they are always asking me for investing advice. | 他们总是问我投资建议。 |
| 269 | And every single time I say the same thing, | 每次我说同样的话 |
| 270 | just buy index funds. | 只是购买指数基金。 |
| 271 | Don't waste your time picking stocks. | 别浪费时间挑股票 |
| 272 | Invest your time to earn more at your day job or business. | 花点时间在日常工作或生意上赚更多钱 |
| 273 | Want to guess how many actually do it? | 想猜猜到底有多少人这样做? |
| 274 | Zero. | 零点 |
| 275 | Instead, they choose to waste hours | 相反,他们选择浪费时间 |
| 276 | picking individual stocks, | 采摘个人股票, |
| 277 | checking their portfolio six times a day | 一天检查六次投资组合 |
| 278 | and stressing over every little dip. | 每一次小水泡都会有压力 |
| 279 | Why? | 为什么? |
| 280 | Because index funds are boring. | 因为指数基金是无聊的。 |
| 281 | Most people don't want something small and consistent. | 多数人不希望 的东西小和一致。 |
| 282 | They want a dopamine hit. | 他们想要多巴胺 |
| 283 | What they don't realize is that a volatile stock | 他们没有意识到的是 挥发性股票 |
| 284 | that rockets up 30% for a few years | 几年来火箭上升30% |
| 285 | will eventually crash 50% in a single market downturn. | 最终会在一次市场下滑中崩溃50%。 |
| 286 | Meanwhile, the boring investor | 同时 那个无聊的投资者 |
| 287 | earning a steady uninterrupted 8%, | 收入连续8% |
| 288 | they'll win quietly. | 他们会悄悄地赢的 |
| 289 | A single massive loss can destroy your compounding power. | 一个巨大的损失可以摧毁你的复合力 |
| 290 | When you lose 50% of your money, | 当你失去50%的钱时 |
| 291 | you don't need a 50% gain to break even. | 你不需要50%的收益来打破平衡。 |
| 292 | You need a 100% gain just to get back to where you started. | 你需要100%的收益 才能回到你开始的地方 |
| 293 | Being consistent is better than going all in once. | 坚持下去总比一次好 |
| 294 | Look, the person who actually gets in shape and loses weight | 你看,那个真正成形并减肥的人 |
| 295 | isn't the guy who goes completely insane | 不是那个完全疯了的人吗? |
| 296 | at the gym for two weeks and burns out. | 在健身房待两周 然后烧掉 |
| 297 | It's the person who just shows up | 刚刚出现的人 |
| 298 | and does a moderate workout week after week, year after year. | 并且每周一次 年复一年地进行温和的锻炼 |
| 299 | And it's the same story for business, | 生意上也是这样 |
| 300 | relationships, just everything. | 关系,只是一切。 |
| 301 | One goes too hard and crashes, | 一个太难撞了 |
| 302 | the other stays consistent and wins. | 其他的则保持一致并获胜。 |
| 303 | So that's path number one. | 故道第一义. |
| 304 | Now let's talk about path number two, | 现在我们来谈谈第二路 |
| 305 | active real estate investing. | 积极房地产投资。 |
| 306 | You've already got a head start | 你已经有头绪了 |
| 307 | because of housing hacking from level two, | 因为二层的房屋入侵, |
| 308 | buying a property, living in part of it, | 买下一部分地产, |
| 309 | renting out the rest. | 租完剩下的钱 |
| 310 | The game now is to scale it. | 现在的游戏是规模化的. |
| 311 | After a few years, you move out of that first property, | 过了几年,你搬出第一块地 |
| 312 | keep it as a rental and buy the next one. | 留作租借,买下一部. |
| 313 | Do this a few times and you've got a portfolio | 做几次,你有一个组合 |
| 314 | of properties generating passive income. | 产生被动收入的财产。 |
| 315 | Real estate builds wealth five ways at once. | 房地产一时营造财富五法. |
| 316 | One, your tenants pay you rent every month, | 第一,房客每月付房租给你 |
| 317 | which is cashflow. | 这是现金流。 |
| 318 | Two, the property tends to go up in value over time, | 二,物业往往随时间推移而上升 |
| 319 | which is appreciation. | 这是感谢。 |
| 320 | Three, your tenants are paying down your mortgage, | 三,你的房客要偿还你的抵押贷款, |
| 321 | which means they're building your equity for you. | 这意味着他们正在为你建立你的公平。 |
| 322 | Four, tax benefits. | 四,税收优惠. |
| 323 | And five, inflation. | 第五,通货膨胀。 |
| 324 | Normally, inflation eats your savings alive, | 通常,通货膨胀 消耗你的储蓄活着, |
| 325 | but when you own property, you change the game. | 但是当你拥有财产时 你就会改变游戏 |
| 326 | Think about it, inflation forces your rent up. | 想想看,通货膨胀迫使你的租金上涨。 |
| 327 | It forces your house value up, | 它迫使你的房屋价值上升, |
| 328 | but your mortgage to the bank is frozen in time. | 但你对银行的贷款及时冻结了 |
| 329 | 10 years from now, you're collecting more rent, | 十年后,你收的租金会增加 |
| 330 | but paying the bank with cheaper dollars. | 但以更便宜的美元支付银行。 |
| 331 | And unlike index funds, real estate gives you control. | 与指数基金不同的是,房地产让你拥有控制权。 |
| 332 | You can find a better deal. | 你可以找到一个更好的交易。 |
| 333 | Renovate to increase rent. | 改建增租. |
| 334 | With stocks, you press buy and wait. | 有股票,你按买和等待。 |
| 335 | With property, you can actively make it more valuable. | 有了财产,你就可以积极使它更有价值. |
| 336 | Over 90% of small rental properties around the world | 全世界90%以上的小型出租房产 |
| 337 | are owned by regular people. | 由普通人拥有。 |
| 338 | People with day jobs who learned the basics | 有日间工作的人 学习基础 |
| 339 | and built from there. | 并在那里建造。 |
| 340 | They can do it. | 他们能做到的。 |
| 341 | So can you. | 你也一样。 |
| 342 | Most people who reach financial freedom use both paths. | 大部分达到经济自由的人使用两种途径. |
| 343 | Index funds for the peace of mind | 和平基金指数 |
| 344 | and real estate for the speed. | 和房地产 对于速度。 |
| 345 | So that's the map. | 这就是地图。 |
| 346 | Three levels. | 三关. |
| 347 | Level one gives you safety. | 一级能让你安全 |
| 348 | Level two helps you to earn more. | 二级帮助你赚更多的钱。 |
| 349 | And finally, level three gives you freedom. | 最后,第三级给了你自由。 |
| 350 | And one last thing. | 还有最后一件事 |
| 351 | Don't confuse financial freedom with being rich. | 不要混淆金融自由与富贵. |
| 352 | Rich comes later. | 富贵后来. |
| 353 | You get free first, | 你先免费 |
| 354 | then you pour all that time and energy | 然后,你倾注所有的时间和精力 |
| 355 | into something that truly matters. | 成为真正重要的事物 |
| 356 | And that's when the real wealth shows up. | 然则真财现时. |
| 357 | Freedom first, | 自由为第一 |
| 358 | rich second. | 富贵第二. |
| 359 | Get the order right. | 调正令. |
| 360 | And always remember, | 永远记住, |
| 361 | while the math of money is simple, | 钱的数学很简单 |
| 362 | the behavior is hard. | 行为是艰难的。 |
| 363 | Your biggest enemy on this journey | 这趟旅程中你最大的敌人 |
| 364 | will always be your own psychology. | 永远是你自己的心理学家 |
| 365 | If you want to master the mindset needed | 如果你想掌握需要的心态 |
| 366 | to actually reach financial freedom, | 真正达到财务自由, |
| 367 | watch this video on the psychology of money. | 看这段关于金钱心理学的视频 |
| 368 | Thanks for watching and I'll see you there. | 谢谢你的观看,我会看到你在那里。 |
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