That's terrible because if something goes wrong, you will have to take unnecessary loans

那就糟糕了，因為如果出了問題，你就得去借不必要的貸款。

and pay high interest.

並支付高額利息。

Interests on credit cards are insane.

信用卡的利息是瘋狂的。

They could go up 20 or even 30 percent.

他們可能會上漲20%甚至30%。

You have to be a moron to pay that much interest.

你得是個白痴才能支付那麼多的利息。

But even those who actually save some money reportedly said they don't have much in their

但據報道，即使是真正省下一些錢的人，也表示自己的錢不多。

savings account.

儲蓄賬戶；

When almost 60 percent of the population says that they have less than a thousand dollars

當近六成的人說自己的錢不到一千塊時

in their savings account, you know that we have a problem because a thousand dollars

在他們的儲蓄賬戶，你知道，我們有一個問題，因為一千美元，

is probably not enough to cover the rent.

可能不足以支付租金。

To be honest, it is difficult to save money today because we are surrounded by so many

說實話，今天要想省錢是很難的，因為我們身邊有太多的

things pushing us to spend.

的事情推動我們去消費。

Even before the video started, you probably saw an ad that called you to visit their website

甚至在視頻開始之前，你可能看到一個廣告，叫你訪問他們的網站。

and spend some cash.

並花費一些現金。

That's not entirely bad, because spending drives the economy forward.

這也不完全是壞事，因為消費推動了經濟的發展。

But we have to find some balance so that we don't find ourselves paying a 30 percent interest.

但我們必須找到一些平衡點，這樣我們才不會發現自己要支付30%的利息。

People often complain that they can't save because they need to cover their basic expenses.

人們經常抱怨自己無法儲蓄，因為他們需要支付基本的開支。

To these people, I want to say that Starbucks coffee is not a necessity.

對於這些人，我想說，星巴克咖啡不是必需品。

You can make a coffee at home for a fraction of that price, but a 4 dollar coffee cap isn't

你可以在家裡做一個咖啡的價格的一小部分，但4美元的咖啡蓋是不是

the most insane thing people waste their money on.

最瘋狂的事情，人們浪費自己的錢。

There are other things that people waste a fortune that they could have saved otherwise,

還有一些人浪費了一筆錢，本來可以省下的。

and this video we are going to discover 5 of them.

而這個視頻我們將發現其中的5個。

Hi, Proactive thinkers!

嗨，積極主動的思考者!

Before we move on.

在我們繼續前。

A few words from our sponsor.

我們的贊助商說了幾句話。

Number - bad habits!

數字--壞習慣!

What?

什麼？

How is that related to wasting or saving money?

這與浪費或省錢有什麼關係？

You just have to take a look at how much people spend on alcohol, for example.

比如說，你只要看看人們在酒上的花費是多少就可以了。

A fortune!

一筆錢！

Twenty bucks here or 30 dollars there don't seem like much, but if you add it up over

二十塊錢在這裡或三十塊錢在那裡似乎並不多，但如果你把它加起來，在這裡，在那裡。

the course of a month, it will amount to a significant number.

在一個月的時間裡，這將是一個很大的數字。

According to the Bureau of Labor Statistics, Americans spend about 1 percent of their gross

根據美國勞工統計局的數據，美國人的消費佔其總收入的1%左右。

annual income on alcohol.

每年的酒類收入；

For the average household, that's $565 a year, $5,650 in 10 years, or a whopping $22,600

對於普通家庭來說，每年565元，10年後為5650元，即高達22600元。

over 40 years.

40多年來。

That doesn't seem much to some of you.

對你們中的一些人來說，這似乎不算什麼。

But don't be fooled by this number.

但不要被這個數字所矇蔽。

It takes into account all Americans, including those who don't drink and those who drink

它考慮到了所有的美國人，包括那些不喝酒和喝酒的人。

once to twice a year.

每年一到兩次。

So if you only take into account those who drink regularly, that number would be much

所以，如果你只考慮到那些經常喝酒的人，這個數字就會大打折扣

higher.

較高。

A few hundred dollars a month is normal for regular drinkers.

對於經常喝酒的人來說，一個月幾百元是正常的。

The same goes for smoking, gambling, and other bad habits.

吸菸、賭博等不良習慣也是如此。

The average cost of a pack of cigarettes is $6.28, which means a pack-a-day habit sets

一包煙的平均成本是6.28元，也就是說，每天一包煙的習慣就會形成

you $188 per month or $2,292 per year.

你每月188美元或每年2,292美元。

These numbers might not frighten you, but if you count the opportunity cost, you will

這些數字可能不會嚇到你，但如果你計算機會成本，你會

probably get rid of these habits immediately.

可能會立即擺脫這些習慣。

The opportunity cost basically means what you could have done with that money if you

機會成本基本上是指，如果你用這筆錢可以做什麼？

haven't spent on drinking or smoking.

沒有花在喝酒和抽菸上。

If you throw that 2292 dollars every year into an index fund with a 7 percent return,

如果你每年把這2292元錢投進指數基金，回報率為7%。

with the power of compound interest, you can expect to have $489,593 in 40 years.

在複利的力量下，你可以預期在40年內擁有489,593美元。

Next time before you buy that pack of a cigarette, imagine that number in your head.

下次在你買那包煙之前，在腦子裡想象一下這個數字。

Especially today, investing is super easy.

尤其是在今天，投資超級簡單。

You can do it with a few clicks on your phone and avoid commissions that investors had to

在手機上點擊幾下就可以完成，避免了投資者不得不的佣金。

pay back in the days.

日內還清。

Investing doesn't just mean the stock market.

投資並不只是指股市。

You can learn a few skills here on internet and work for Tesla and make more than than

在這裡你可以在互聯網上學習一些技能，為特斯拉工作，賺的錢比

you can imagine!

你可以想象

You thought you need a degree to work at Tesla!?

你以為在特斯拉工作需要學歷！？

Well you are wrong, at least that's what the man who runs the company said (https://bit.ly/2DdLceL).

好吧，你錯了，至少那個開公司的人是這麼說的（https://bit.ly/2DdLceL）。

And if you get fired, Apple will probably hire you (https://bit.ly/3jv073H).

而如果你被解僱了，蘋果很可能會僱用你（https://bit.ly/3jv073H）。

But wait a minute what kind of skills do you need to get hired by such companies?

但是等一下，你需要什麼樣的技能才能被這樣的公司錄用呢？

Programming, coding, analysing and understanding data.

編程、編碼、分析和理解數據；

No matter what industry you're in, learning how to analyze and understand your data is

無論你身處哪個行業，學習如何分析和理解你的數據都是一件很重要的事情。

critical.

關鍵。

That's why DataCamp - the sponsor of this video - provides you with the tools to learn

這就是為什麼DataCamp--本視頻的贊助商--為你提供學習工具的原因。

the data science and analytics skills you need to succeed in the real world.

您在現實世界中取得成功所需的數據科學和分析技能。

You want to learn a programming language such as Python or SQL.

你想學習一門編程語言，如Python或SQL。

You can start with absolutely basics and move up to professional levels.

你可以從絕對的基礎知識開始，再到專業水準。

You can brows by topics to find out what you want to learn.

你可以按主題瀏覽，找到你想學習的內容。

Lets try applied finance.

讓我們試試應用金融。

They have courses that will teach you different financial analysis that can help you with

他們的課程會教你不同的財務分析，可以幫助你與。

investing.

投資。

You can acquire new skills fast with more than 300 courses that combine short expert

您可以通過300多門課程快速掌握新的技能，這些課程結合了短期的專家課程，並將這些課程的內容融入到您的生活中。

videos with immediate hands-on-keyboard exercises from over 250 instructors!

250多位老師的視頻與即時的鍵盤練習!

All courses, exercise or projects can be completed from the comfort of your browser, so you won't

所有的課程、練習或項目都可以在舒適的瀏覽器中完成，所以你不會有任何的壓力。

need to install any new software.

需要安裝任何新軟件。

And the best part of it is that, if sign up to DataCamp by clicking the link in your description,

而且最好的是，如果通過點擊描述中的鏈接註冊DataCamp。

you will be able to check the first chapters of any course for free!

您將能夠免費檢查任何課程的第一章!

And you will be supporting us to create more videos for you.

而您也會支持我們為您製作更多的視頻。

And now lets get back to the video.

現在讓我們回到視頻。

Smoking is terrible, but you know what's worst than smoking.

吸菸很可怕，但你知道什麼比吸菸更可怕嗎？

2.

2.

Paying high-interest rates.

支付高額的利息。

Credit cards are great.

信用卡是偉大的。

It's probably the best way to build your credit score and maintain it.

這可能是建立和維持你的信用分數的最好方法。

It is extremely important because it will help you to get loans and lower interest.

這是極其重要的，因為它將幫助你獲得貸款和降低利息。

But here is when things get terrible.

但這裡是事情變得很糟糕的時候。

When you use a credit card to pay for things you cannot afford, what ends up happening

當你用信用卡來支付你買不起的東西時，最後會發生什麼呢？

is that, you will not be able to cover your credit card debt at the end of the month and

是，你將無法在月底支付你的信用卡債務，並。

the interest starts rolling.

利息開始滾動。

Have you ever taken a look at how high credit card interest rates are?

你有沒有看過信用卡利率有多高？

They could go as high as 20 or 30 percent.

他們可能高達20%或30%。

The interest on your mortgage would seem like peanuts in front of credit card rates.

在信用卡利率面前，房貸利息會顯得如同花生。

That might not seem like a big deal, but 41 percent of credit card users reported that

這看起來似乎不是什麼大事，但41%的信用卡用戶報告說

they are failing to pay their bills on time.

他們沒有按時支付賬單；

And that's what these banks are counting on.

而這正是這些銀行的指望。

They want you to forget!

他們想讓你忘記！

No wonder why total credit card debts have risen to almost a trillion dollars nationally.

難怪全國的信用卡債務總額已經上升到近萬億元。

So don't ever get a credit if you can't control your spending habits, especially if you have

所以，如果你不能控制自己的消費習慣，千萬不要上徵信，特別是如果你有了

some really bad habits.

一些真正的壞習慣。

How I keep my credit card interest-free is that I know how much exactly I spend.

我如何保持信用卡的免息，就是我知道自己到底花了多少錢。

I can use a debit card to pay my bills, and I have absolutely no problem with that, but

我可以用借記卡付賬，我完全沒有問題，但是......"。

I use a credit card because I would rather keep building my credit score.

我之所以使用信用卡，是因為我寧願繼續建立我的信用分數。

And on the last day of each month, I cover all my debt even though I might have another

每個月的最後一天，我都會還清所有的債務，即使我可能會有另一筆錢。

few weeks.

幾周。

If you still forget to pay your debt on time, then whenever you pay your bills or cover

如果你還是忘了按時還債，那麼每當你支付賬單或蓋

your rent, make sure you include paying for your credit card simultaneously.

你的租金，確保你包括同時支付你的信用卡。

One of the trends that have been rising for the last few decades is

在過去的幾十年裡，其中一個趨勢是不斷上升的。

3.

3.

Fast Fashion!

快時尚！

And you know what?

你知道嗎？

I hate fast fashion!

我討厭快時尚！

Don't get me wrong.

別誤會我的意思

They do make some good clothes, and there is nothing wrong buying clothes and I personally

他們確實做了一些好的衣服，買衣服沒有錯，我個人也很喜歡。

love to dress properly, I am a big fan of fashion!

喜歡適當的穿衣打扮，我是時尚的忠實粉絲!

But here is the problem.

但問題就在這裡。

Since the market is flooded with cheap clothes, we, on average, started buying more clothes

由於市場上充斥著廉價的衣服，我們，平均開始購買更多的衣服。

than need.

比需要。

Take a look at your wardrobe.

看看你的衣櫃。

Do you really wear most of your clothes as often as you think?

你的大部分衣服真的像你想象的那樣經常穿嗎？

I am sure that you have 2 or 3 pairs of jeans and a few t-shirts that you were every day.

我相信，你每天都有兩三條牛仔褲和幾件T恤，你是。

The rest of your clothes have been lying on your wardrobe, probably for years.

你剩下的衣服一直躺在衣櫃上，可能已經好幾年了。

And like everyone else, you have clothes that you never wore but you though you need them

像其他人一樣，你有一些你從未穿過的衣服，但你覺得你需要它們

when you were shopping.

當你在購物時。

The trend has become so popular that some people shop every week.

這股潮流已經變得非常流行，有些人每週都會逛街。

That's insane!

這是瘋了！

What I hate about it the most is that, just because the clothes are cheap, you end up

我最痛恨的是，就因為衣服便宜，你最後

buying more clothes than you need.

買的衣服比你需要的多。

The question is, why buy a lot of low-quality cheap clothes?

問題是，為什麼要買很多低質廉價的衣服？

Instead, of having 10 or 20 pairs of jeans, just get yourself 2 high-quality jeans that

與其擁有10條或20條牛仔褲，不如給自己買2條高質量的牛仔褲。

you will feel comfortable wearing, and you would look much better.

你會覺得穿著舒服，你會看起來更好。

And you will end up spending a lot less.

而你最終會少花很多錢。

That's not the worst way humanity is wasting money.

這還不是人類最糟糕的浪費錢的方式。

No matter how many clothes you buy, they definitely won't harm yourself as the next thing on our

無論你買多少衣服，它們絕對不會傷害自己，因為接下來我們的。

list does.

列表確實。

4.

4.

Eating Garbage What?

吃垃圾什麼？

Who eats garbage?

誰吃垃圾？

Unfortunately, most people literally eat nothing but garbage because most of what's sold on

不幸的是，大多數人從字面上看，除了垃圾什麼都不吃，因為大多數賣的東西都是垃圾。

the shelves of grocery stores is made out of harmful ingredients in many ways.

在雜貨店的貨架上是由許多有害成分製成的。

And if you consider the fact that fast food has become the new norm for years already.

而如果考慮到快餐已經成為新的常態多年。

You can imagine how much garbage people are eating.

可想而知，人們吃了多少垃圾。

People spend most of their money on food, and there is nothing wrong with that.

人們把大部分的錢都花在吃上，這並沒有錯。

But at least consume quality food that isn't harmful to your body.

但至少要攝入對身體無害的優質食物。

Almost all junk food that's sold are filled with different types of sugar to boost your

幾乎所有出售的垃圾食品都含有不同類型的糖，以提高你的

dopamine when you consume it and create a sense of addiction so that you come back for

多巴胺，當你消耗它，並創造一個上癮感，所以你回來的

it again and again.

它一次又一次。

And that's done purposefully.

而這是有目的的。

So we ended up developing a habit of always eating junk food, sneakers bar, chips, or

所以我們最後養成了一個習慣，總是吃垃圾食品，運動鞋吧，薯片，或。

soft drinks.

軟飲料。

Some studies even say that a lot of people spend almost 90 percent of their income on

有研究甚至說，很多人幾乎把收入的90%都花在了

food, which is absolutely insane!

食物，這絕對是瘋狂的!

5.

5.

And lastly Unnecessary monthly subscriptions

最後是不必要的月租費。

Businesses realized that it's much better to sell you a subscription that's cost a few

商家意識到，賣給你一個訂閱，成本高得多。

dollars a month than a product with a few hundred dollar price tags.

元，比起幾百元價位的產品，一個月。

First, you aren't going to hesitate that much since it's just 10 dollars a month, especially

首先，你不會猶豫那麼多，因為一個月才10塊錢，特別是

if you enter your credit card information now.

如果您現在輸入信用卡資訊。

You will get the first month for free, but later on, you will completely forget about

你會得到第一個月的免費，但以後，你會完全忘掉。

it, but the company will keep charging you forever.

但公司會一直向你收費，永遠。

There is nothing with getting a subscription you use or need, but when you sign up for

獲得一個你使用或需要的訂閱沒有什麼，但當你註冊了

the gym but then end up visiting it once or twice a year, I don't think you need to renew

健身房，但最後每年去一兩次，我認為你不需要續費。

your annual membership.

您的年度會員。

84% of Americans unaware of how much they spend on subscription services.

84%的美國人不知道自己在訂閱服務上花了多少錢。

Have you realized that everything has recently turned into a subscription, music, video,

你有沒有發現，最近所有的東西都變成了訂閱，音樂，視頻。

movies, apps, games, softwares?

電影、應用、遊戲、軟體？

Every few months, audit your spending and get rid of these unnecessary subscriptions

每隔幾個月，審計一下自己的消費，把這些不必要的訂閱去掉。

because you will end up paying a fortune for something you don't even use.

因為你最終會花一大筆錢買一些你根本用不上的東西。

And that's your list of insane ways people waste the money they worked to earn with blood

這就是你列舉的人們浪費血汗錢的瘋狂方式。

and sweat.

和汗水。

And now it's your turn!

現在輪到你了！

What would you add to this list?

你想在這份名單上添加什麼？

How do you waste money?

你是怎麼浪費錢的？

Let me know in the comments below.

請在下面的評論中告訴我。

Other than that, make sure to give this video thumbs.

除此之外，一定要對這個視頻豎起大拇指。

And hit that subscribes button if you are new around here and if you want to be notified

如果你是新來的，如果你想得到通知，請點擊訂閱按鈕。

whenever we upload, hit that bell button.

每當我們上傳的時候，按下那個鈴鐺鍵。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。