（中英附文稿）想实现财务自由，先别急着追高收益：普通人可执行
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | When I first met Alex Hermosy, he was in the process of selling his business. | 我第一次见到Alex Hermosy时,他正在卖他的生意。 |
| 0:03 | And so my first conversation with Alex, we talked for four hours and he showed me everything. | 所以我第一次和亚历克斯谈话 我们聊了四个小时 他给我看了一切 |
| 0:08 | Eight years later, I'm the CEO of that business. | 8年后,我是那个企业的首席执行官. |
| 0:10 | Fastest way to get in great rapport with people is to give them the gift of going second | 和人相处最快的方式 就是给他们第二次机会 |
| 0:15 | and actually share on the money side because it's the most vulnerable thing | 和实际上分享 一边的钱,因为它是最脆弱的东西 |
| 0:19 | and it allows you to get deeper in the conversation. | 这样你就能深入谈话了 |
| 0:22 | 他是Construction.com的首席执行官和管理合伙人,与Alex和Leila Hermosy并列. | |
| 0:27 | Today's guest is Sharan Srivatsa. | 今日嘉宾是沙兰·斯里瓦察. |
| 0:30 | He's going to break down the laws of money and what you need to start thinking about right now | 他会破坏钱的法则 你现在需要开始思考 |
| 0:34 | to make money easier for you. | 让你的钱更容易。 |
展开字幕全文（191 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | When I first met Alex Hermosy, he was in the process of selling his business. | 我第一次见到Alex Hermosy时,他正在卖他的生意。 |
| 2 | And so my first conversation with Alex, we talked for four hours and he showed me everything. | 所以我第一次和亚历克斯谈话 我们聊了四个小时 他给我看了一切 |
| 3 | Eight years later, I'm the CEO of that business. | 8年后,我是那个企业的首席执行官. |
| 4 | Fastest way to get in great rapport with people is to give them the gift of going second | 和人相处最快的方式 就是给他们第二次机会 |
| 5 | and actually share on the money side because it's the most vulnerable thing | 和实际上分享 一边的钱,因为它是最脆弱的东西 |
| 6 | and it allows you to get deeper in the conversation. | 这样你就能深入谈话了 |
| 7 | 他是Construction.com的首席执行官和管理合伙人,与Alex和Leila Hermosy并列. | |
| 8 | Today's guest is Sharan Srivatsa. | 今日嘉宾是沙兰·斯里瓦察. |
| 9 | He's going to break down the laws of money and what you need to start thinking about right now | 他会破坏钱的法则 你现在需要开始思考 |
| 10 | to make money easier for you. | 让你的钱更容易。 |
| 11 | What were the greatest lessons you learned about teaching tennis to billionaires and celebrities? | 你在向亿万富翁和名人传授网球方面学到的最伟大的教训是什么? |
| 12 | The amount of risk that we can take is based on how much pain we can handle as well. | 我们可以承担的风险量取决于我们能够承受多少痛苦。 |
| 13 | I think it's really sad that people are being taught that debt is bad. | 我认为人们被教导债务是坏的,这实在是可悲的. |
| 14 | Everything runs on the access to money overall. | 所有事情都要靠钱的获取 |
| 15 | So the fact that we have to go cut up our credit cards, that's like saying don't ever drive again. | 所以我们必须去切断我们的信用卡 就像说别再开车了 |
| 16 | What is the money framework you wish everyone knew sooner? | 你希望大家早点知道钱框架是什么? |
| 17 | I think it's evolved over time. | 我认为它是随着时间的推移而演变的。 |
| 18 | In my 20s, I thought it was about... | 20多岁时,我以为是... |
| 19 | You grew up in not around the most wealth in the world, right? | 你从小就在世界上最富有的地方长大,对吧? |
| 20 | You grew up without in kind of a middle, lower class environment financially. | 你从小没在中下层阶级环境中长大 |
| 21 | And I'm curious, now that you've been a part of multiple billion dollar companies, | 我很好奇,现在你 已经加入了数十亿的公司, |
| 22 | were the rules of money that you learned growing up much different than they are today? | 你所学的金钱规则 与今天大不相同吗? |
| 23 | Were there certain rules that you thought of that money is about one thing that now that you've learned it's a much different thing? | 你是否认为钱有一定规则 是关于一件事的? |
| 24 | I think that's a natural evolution, right? | 我认为这是一个自然进化,对不对? |
| 25 | Because money is tied so much to the environment that you're in. | 因为钱与你所处的环境息息相关 |
| 26 | If you take someone that grew up middle class versus someone that grew up wealthy, | 如果你把一个中产阶级长大的人 和一个富裕的人 |
| 27 | why does the wealthy person believe that they can achieve more? | 为什么富人认为他们能取得更多成就? |
| 28 | Because they just see that other people have achieved more. | 因为他们只看到其他人取得了更多的成就。 |
| 29 | I think there's such an environmental effect to money overall. | 我认为这对金钱有这样的环境影响。 |
| 30 | And I never realized that growing up. | 我从来没有意识到 长大。 |
| 31 | All I thought was the greatest thing would be for me to come to the US and at some point make $100,000 a year. | 我所想的最好的事情是 来到美国 并且每年赚10万美元 |
| 32 | My dad sold his scooter to get me a plane ticket. | 我爸爸卖了他的摩托车给我买机票 |
| 33 | My parents sold everything that they had to send me to the US. | 我父母把我送去美国的一切都卖了 |
| 34 | And at the airport, I remember my dad telling me, | 在机场 我记得我爸告诉我 |
| 35 | it's like, hopefully one day when you're in the States, you can make $100,000 a year. | 这就像,希望有一天 当你在美国, 你可以每年赚10万美元。 |
| 36 | That was the dream. | 那是梦 |
| 37 | That was the upper limit. | 这是上限。 |
| 38 | That was like, you need to hit that. | 这就像,你需要打。 |
| 39 | You've made it. | 你来了 |
| 40 | Yes. | 对 |
| 41 | And but I also think there's some humility to that because you realize that the goal is not that far off. | 但我也觉得这有些谦逊 因为你意识到目标并不遥远。 |
| 42 | There is a line of sight to actually getting to that thing. | 有一线视线 实际得到的东西。 |
| 43 | And then once you get there, you see where the next mountain is. | 然后,一旦你到了那里, 你可以看到下一个山在哪里。 |
| 44 | Sometimes I have friends who have this, | 有时候我有朋友有这个 |
| 45 | I need to have a $55 million net worth before I'm 55. | 我55岁之前需要5500万美金 |
| 46 | And I go, you have a minimum wage job. | 我走了,你有一份最低工资工作。 |
| 47 | You're so far removed from reality that you can't even see the next step in getting there. | 你离现实太远了 连下一步都看不到 |
| 48 | So, yes, the dichotomy was definitely there. | 所以,是的,两极分化是绝对存在的。 |
| 49 | But that was what my dad said to me before I stepped on that plan. | 但是,这就是我爸对我说的话 在我踏上这个计划之前。 |
| 50 | What was your big belief system around money when you were growing up? | 你小时候在金钱上有什么信仰? |
| 51 | That rich people are evil. | 那个有钱人就是邪恶的 |
| 52 | That if you had money, you probably got it by some kind of scam. | 如果你有钱,你可能得到它 通过某种骗局。 |
| 53 | If your family was wealthy, then you were wealthy. | 如果你的家庭富有, 那你是富有的。 |
| 54 | Everyone else could never become wealthy again. | 其他人再也不可能变得富有了 |
| 55 | If you had, you may win the lottery, but you should keep trying. | 如果你有,你可能会赢得彩票, 但你应该继续尝试。 |
| 56 | But all of us were just destined for a work hard, be mediocre life. | 但我们所有人都注定要努力工作 过平庸的生活 |
| 57 | Really? | 真的吗? |
| 58 | Who taught you those beliefs? | 谁教你这些信仰的? |
| 59 | I think it came from the general environment, because that's all that I saw. | 我认为它来自一般的环境, 因为我看到的就是这些。 |
| 60 | Really? | 真的吗? |
| 61 | And I saw my parents work so hard to make ends meet. | 我看见我父母努力工作 以维持生计 |
| 62 | And we lived in a one-bedroom apartment. | 我们住在一间单人房的公寓里 |
| 63 | I remember sleeping with my parents in the same bed till I was 15 years old. | 我记得和父母睡在同一张床上 直到我15岁。 |
| 64 | And I knew no different life. | 我对生活一无所知 |
| 65 | And looking back, that feels strange. | 回头看 感觉很奇怪 |
| 66 | But that is the only life that you know. | 但这是你唯一知道的生活 |
| 67 | It felt normal for you at the time, yeah. | 你当时感觉很正常 |
| 68 | And how old were you when you moved to the US? | 你搬到美国时多大了? |
| 69 | I was 16 when I came to the US. | 我16岁时来到美国。 |
| 70 | Wow. | 珃 |
| 71 | So how did your views around money change the moment you landed in the US from India? | 当你从印度登陆美国时 你对金钱的看法如何改变? |
| 72 | I'll tell you a crazy story. | 我会告诉你一个疯狂的故事。 |
| 73 | I landed in Chicago airport. | 我降落在芝加哥机场。 |
| 74 | And I had a ride that was supposed to pick me up. | 我搭了趟车来接我 |
| 75 | And I waited in the airport. | 我在机场等 |
| 76 | It took one hour, two hours, three hours. | 一个小时,两个小时,三个小时。 |
| 77 | This was before there were cell phones. | 这是之前有手机。 |
| 78 | And my name got called on the public address system. | 我的名字被调用 在公共广播系统。 |
| 79 | 说Sharan Trivats 警方向白色礼遇电话报案 | |
| 80 | So I was like, this is not fun on your first day in the US. | 所以我觉得,这不好玩 你在美国的第一天。 |
| 81 | So I go answer the phone and it says, hey, your ride, his car broke down. | 所以我去接电话 上面写着 你的车坏了 |
| 82 | So he wants you to take a bus and meet him in Moline, Illinois. | 他要你坐公交车去伊利诺伊州莫林见他 |
| 83 | Wow. | 珃 |
| 84 | I had no idea where Moline was. | 我都不知道莫琳在哪,我还不知道 |
| 85 | Like an hour away? | 像一个小时外? |
| 86 | Yeah. | 对 |
| 87 | It's kind of far. | 有点远 |
| 88 | Yeah, I've been there. | 是的,我去过那里。 |
| 89 | So I was like, sure. | 所以我是喜欢,当然。 |
| 90 | So I grabbed my bag and I left the airport and I figured out where I needed to go, grabbed | 于是我拿起我的包离开机场 找出我要去的地方,抓住 |
| 91 | the bus, and I jumped on this bus to go to Moline, Illinois. | 我跳上这辆巴士去伊利诺伊州莫林 |
| 92 | Well, we were supposed to be an hour, hour and a half away. | 嗯,我们应该是 一个小时,一个半小时。 |
| 93 | And hour goes by, two hours go by, three hours go by. | 一小时过去,两个小时过去,三个小时过去。 |
| 94 | Finally it's dark and we pull into a bus depot and I'm the only one on the bus. | 终于天黑了,我们把车开进公共汽车站 我是唯一一个在公共汽车上。 |
| 95 | And the bus driver comes up to me and says, hey kid, where are you headed? | 巴士司机来找我说 嘿,小子,你要去哪里? |
| 96 | And I said, Moline, Illinois. | 我说 伊利诺伊州莫林 |
| 97 | And he goes, well, we are in La Crosse, Wisconsin. | 他走了,我们是在威斯康辛州的拉克罗斯 |
| 98 | Oh, wow. | 哦,哇呜。 |
| 99 | So I'm in a completely different state. | 所以我处于完全不同的状态。 |
| 100 | I don't know anything about the geography of where I am. | 不知所处地理. |
| 101 | He says, well, if I were you, I would get in, rest for the night and figure out what | 他说,嗯,如果我是你,我会得到 进入,休息的夜晚 并找出什么 |
| 102 | you're going to do the next day. | 第二天你来 |
| 103 | And I didn't have a lot of money. | 亦无甚钱. |
| 104 | I had a hundred dollars in my pocket, maybe some loose change, tennis rackets and a bag. | 我口袋里有一百块,也许有些零钱,网球拍子和一个袋子。 |
| 105 | And that's it. | 且道. |
| 106 | So I grabbed my stuff and jump out of the bus and out of nowhere, this guy with the | 所以我抓住我的东西 跳出公交车 不知从哪里,这个家伙与 |
| 107 | hoodie jumps on and pulls a knife on me. | 连帽衫都跳上 拔刀指着我 |
| 108 | So this is seven hours in the US. | 所以这是7小时在美国。 |
| 109 | I get a knife. | 我得到一把刀。 |
| 110 | You're 16. | 你才16岁 |
| 111 | You're alone. | 你一个人 |
| 112 | I get my knife pulled on me. | 我得到我的刀拉着我。 |
| 113 | And he says, it's like, give me everything. | 他说,这就像,给我一切。 |
| 114 | So I just handed my bag and he starts to rummage through my stuff. | 所以我刚把包递过来 他开始翻我的东西 |
| 115 | And then he says, you're like the worst person I ever mugged. | 然后他说 你是我抢劫过的最坏的人 |
| 116 | And I go, what do you mean? | 我走了,你说什么? |
| 117 | How many times do you do this? | 你干过多少次? |
| 118 | Then I was afraid for my life because the last thing I wanted was to me bleed out in | 然后我害怕我的命 因为我最不想的就是流血 |
| 119 | La Crosse, Wisconsin, my parents not know what had happened. | 威斯康辛州的拉克罗斯 我父母不知道发生了什么 |
| 120 | So I pulled a hundred dollar bill out of my wallet. | 所以我从钱包里掏出一百块 |
| 121 | I mean, and I said, hey, I have a hundred dollars and I'm trying to get to school. | 我的意思是,我说,嘿, 我有100美元,我试图去上学。 |
| 122 | If I gave you this hundred, would you give me 50 back? | 如果我给你这一百块 你会给我五十块吗? |
| 123 | He looked at me weird and he opened up his ratty wallet and he dishes me out a 20, a | 他看着我怪怪的 他打开他的鼠皮钱包 他给我洗了20块 |
| 124 | 20 and a five, grabs the hundred and walks away. | 20和5,抓住百人走开。 |
| 125 | And if you put me in that situation- | 如果你让我陷入那种境地 |
| 126 | But if you put me in that situation today, I would not have tried to negotiate with their | 但是如果你今天把我置于那种境地 我就不会和他们谈判了 |
| 127 | mother. | 妈妈 |
| 128 | No, take the money. | 不,拿钱。 |
| 129 | Take the money. | 收钱. |
| 130 | And I think that when you're put in tough situations, you start to figure out how to | 我认为当你陷入困境时 你开始想出 |
| 131 | negotiate your way out of things. | 商议你的出路。 |
| 132 | And I think that was the big mindset, which is, wow, if that was the lowest of low, I | 我认为那是大思维, 即,哇, 如果这是最低的低,我 |
| 133 | could go and I could still find a way to have a conversation human to human with somebody | 我可以去,我仍然可以 找到一个方法 人与人交谈的人 |
| 134 | because I knew that he didn't want to hurt me in any way. | 因为我知道他不想伤害我 |
| 135 | I think even in the tightest of money situations or the tightest of life situations, there's | 我觉得即使在最紧的 金钱情况或最紧的生活情况, |
| 136 | probably a conversation to be had. | 可能还有话要说 |
| 137 | And that probably changed. | 这可能改变了。 |
| 138 | That was a low. | 那是个低调 |
| 139 | That probably changed a lot of things. | 这可能改变了很多事情。 |
| 140 | Interesting. | 有意思,这很有趣 |
| 141 | So when did your beliefs around money start to change? | 你对金钱的信念什么时候开始改变的? |
| 142 | How old were you? | 你几岁? |
| 143 | When do you start to notice that money wasn't like the root of all evil or people that had | 你什么时候开始注意到 钱不是所有邪恶的根 或那些有 |
| 144 | money were bad? | 钱是坏的? |
| 145 | When did that shift? | 什么时候换的? |
| 146 | When I graduated, I graduated from college with a computer science and math degree. | 毕业后从大学毕业,获得计算机科学与数学学位. |
| 147 | This was during the technology boom. | 这是在科技繁荣时期。 |
| 148 | And I was an early engineer in a startup and we raised $27.5 million and the company got | 我是一个早期的工程师 在启动,我们筹集了2750万美元 公司得到了 |
| 149 | bought for $550 million. | 买了5.5亿美元。 |
| 150 | And so I thought as an early employee, I was supposed to get a big fat stake, just shy | 所以我想,作为一个早期的员工, 我应该得到一个大的脂肪桩, 只是害羞 |
| 151 | of $50 million. | 5 000万美元。 |
| 152 | And this was before we had mobile phones and apps, et cetera. | 这之前我们有手机和应用程序,等等。 |
| 153 | So the only way you could check your balance was to go to a Bank of America ATM and hit | 所以你唯一能检查余额的方法 就是去美国银行的自动取款机 |
| 154 | receipt and it will tell you your balance. | 收据会告诉你余额 |
| 155 | So we were supposed to get our wire that day. | 那天我们本该拿到电线的 |
| 156 | And I went and got my wire and I looked at the account and it was a whole zero off. | 我去拿我的窃听器,我看着账户, 整个零关闭。 |
| 157 | I was like, this can't be right. | 我当时想,这不可能是正确的。 |
| 158 | I thought I was going to get a lot more than this and I would have made it. | 我以为我会得到更多的 超过这个,我会做到这一点。 |
| 159 | So I called the CEO of the business and I said, could you help me understand why this | 所以我打电话给企业的首席执行官 我说 你能帮我理解为什么 |
| 160 | is $4.97 million, not $47 million? | 是497万美元,不是4700万美元吗? |
| 161 | He says, well, you have something called a ratchet and a ratchet is a massive dilution | 他说,嗯,你有 叫做鼠标,鼠标是一个巨大的稀释 |
| 162 | based on how this acquisition happened. | 根据这次收购是如何发生的 |
| 163 | All my rules around money changed when I realized that everything was a contract, everything | 我所有关于钱的规则都改变了 当我意识到一切都是合同,一切 |
| 164 | was structural. | 是结构性的。 |
| 165 | If you did not speak the language of money, you're probably not going to make a lot of | 如果你不说钱的语言, 你可能不会做很多 |
| 166 | it. | 这个 |
| 167 | And that was the big shift for me. | 那是我最大的转变。 |
| 168 | It was not a, did someone tell me something or me see the world differently? | 不是A 是有人告诉我什么 还是我对世界的看法不同? |
| 169 | I just realized that I got a 10X cram down on what I was going to get. | 我刚刚意识到,我有一个10X cramm 我得到了什么我要得到。 |
| 170 | And that was because of a contractual issue that I did not know how to read. | 那是因为一个合同问题 我不知道如何阅读。 |
| 171 | And that was the entire reason why I decided to go to business school, the entire reason | 所以我才决定去商学院 |
| 172 | why I decided to go to Wall Street, just learn that thing. | 为什么我决定去华尔街, 只是学习的东西。 |
| 173 | Because if I learned how the contractual aspects of money work, because everything's a contract. | 因为如果我学会了钱的合同方面是如何工作的, 因为一切都是合同。 |
| 174 | And when you learn that, things get out significantly easier. | 当你知道这一点,事情会变得更容易。 |
| 175 | Interesting. | 有意思,这很有趣 |
| 176 | So how old were you when that exit happened? | 那出口发生时你多大了? |
| 177 | 21. | 21岁 |
| 178 | It's pretty young. | 相当年轻 |
| 179 | Yeah. | 对 |
| 180 | Man, so from 16 to 21, five years you were, you know, had no money, a hundred bucks into | 男人,所以从16到21,5年 你,你知道,没有钱,100美元进入 |
| 181 | I guess, a $5 million exit for you at the time, roughly. | 我猜你当时大概有500万个出口 |
| 182 | It's pretty good still. | 还不错 |
| 183 | Yeah. | 对 |
| 184 | I got to pay off all my debt by my grandma house and then decide to be like, well, what | 我得在外婆家偿还我所有的债 然后决定像什么 |
| 185 | am I going to do with my life? | 我要用我的生活吗? |
| 186 | And so I spent five years traveling the world and teaching tennis. | 于是我花了五年时间环游世界 教网球。 |
| 187 | And I got to a tennis pro or something, or like on the tour or something. | 我得到了一个网球职业什么的, 或者喜欢在巡演什么的。 |
| 188 | Yeah. | 对 |
| 189 | I played, I played pro tennis before and then I did not know what I wanted to do with my | 我打过网球,我打过职业网球,然后我不知道我想做什么 |
| 190 | life. | 活着 |
| 191 | So I was like, Hey, I'll go travel and teach tennis. | 所以我想,嘿,我去旅行 并教网球。 |
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