You feel like you are the king of the world!

你覺得你是世界之王!

Finally, it's time to live independently.

終於可以獨立生活了。

I am my own boss now!

我現在是自己的老闆了!

That thousand buck seems a lot because a month ago, you had nothing!

這一千塊錢看起來很多，因為一個月前，你什麼都沒有!

You no longer ask your mom for money to hung out, you are now “independent.”

你不再向媽媽要錢出去玩了，你現在 "獨立 "了。

Soon, you will be achieving your huge plans that you have been thinking over for years.

很快，你就會實現你多年來一直思考的龐大計劃。

However, after some time you start to change, your needs begin to grow.

然而，一段時間後，你開始改變，你的需求開始增長。

You no longer want to move around in public transport.

你不再想在公共交通中移動。

The idea of merely being full kinda seems too simple.

僅僅是吃飽了撐的想法似乎太簡單了。

Thankfully you got a promotion so now you are making 1500 dollars a month.

感謝你得到了晉升，所以現在你一個月能賺1500元。

Finally, you can drink something more expensive, you can eat more often outside.

最後，你可以喝一些更貴的東西，你可以經常在外面吃。

Maybe you can even take a cab instead of being lost in that crowd (metro).

也許你甚至可以打車，而不是在那人群中迷失（地鐵）。

By the way, what about your phone.

對了，你的手機呢。

You need Apple's flagship since your iPhone 8 is too old already, especially with a salary

你需要蘋果的旗艦機，因為你的iPhone 8已經太老了，尤其是在工資方面

of 2000 dollars(another promotion), that shouldn't be a problem..

2000美元(另一個促銷)，這應該不是問題......。

Yes, the price tag is a little too high, and you will need to take a loan, but man; The

是的，價格有點高，你需要貸款，但人；的。

applications will be a millisecond faster, the games will run a little smoother and your

應用程序的速度會快一毫秒，遊戲運行會更流暢一些，而你的

47 followers on Instagram will definitely appreciate that slightly better camera.

47個Instagram上的追隨者肯定會感激那臺稍微好一點的相機。

At some point, you start to notice that your salary has doubled, but your life didn't.

在某些時候，你開始注意到，你的工資翻了一番，但你的生活並沒有。

You still work in the same place, do the same thing.

你還是在同一個地方工作，做同樣的事情。

You start feeling like you are not making enough.

你開始覺得自己賺得不夠多。

You even start borrowing money.

你甚至開始借錢。

But what's the problem?

但有什麼問題呢？

You are now making more money, and yet you feel like you got poorer.

你現在賺的錢多了，卻覺得自己更窮了。

You had a dream once, travel, see the world, meet different people, learn to speak a new

你曾經有過一個夢想，旅行，看世界，認識不同的人，學習說一種新的。

language, dance.

語言、舞蹈。

And with more money, you should have more opportunities to experience that, but it feels

而且錢多了，應該有更多的機會去體驗，但覺得

the other way around.

反過來說。

Maybe you should make, even more, then you will definitely be happy and realize your

也許你應該做，甚至更多，那麼你一定會很高興，實現你的。

dreams.

夢想。

But I want to ask you, what do you think you really need?

但我想問你，你覺得你真正需要的是什麼？

More money?

更多的錢？

The truth is that a successful lifestyle leads the person to an endless cycle of expenses,

事實上，成功的生活方式會使人陷入無休止的支出循環。

without being able to save.

而無法保存。

With a higher salary, you will buy the exact same things but a little bit more expensive.

工資高了，你會買到完全一樣的東西，但價格會貴一點。

You will buy slightly better food, clothes and you will grab a cab instead of a bus.

你會買到稍微好一點的食物、衣服，你會打車而不是坐公車。

That's what consumerism is all about.

這就是消費主義的意義。

It's a strategy that's used by companies to drain every penny out of you!

這是公司用來榨取你每一分錢的策略!

Can you answer this question honestly, how much money do you really need in a month?

你能不能老老實實的回答這個問題，你一個月到底需要多少錢？

You haven't thought about that.

你沒有想過這個問題。

That's precisely why a job is a modern slavery for you.

正因為如此，工作對你來說就是一種現代的奴役。

However, you can use it to get your freedom!

但是，你可以用它來獲得你的自由!

Before you achieve a particular goal, you must first see it!

在你實現某個目標之前，你必須先看到它!

And here you have to follow the rule of 4%.

而在這裡，你必須遵循4%的規則。

Whatever the amount of money you need (30K USD) divided by 4%.

無論你需要多少錢（3萬美金）除以4%。

This is how much you should save.

這是你應該存的錢。

The stock market grows at an average rate of 7% adjusted to inflation.

經通貨膨脹調整後，股市的平均增長率為7%。

So if you invest 750K dollars, you can withdraw 30K dollars every year, and your investments

所以，如果你投資75萬元，每年可以提取3萬元，而你的投

will still be growing.

還會不斷增長。

That's what passive income really is.

這才是真正的被動收入。

You will no longer have to live in a specific place, work in a job that you hate.

你將不再需要住在一個特定的地方，從事一份你討厭的工作。

You can simply do whatever you want for the rest of your life because your passive income

你可以簡單地做你想做的任何事情，你的餘生，因為你的被動收入。

has your back.

有你的背部。

You can still work but only if you love it!

你還可以工作，但前提是你要熱愛它!

And that's what finical FREEDOM is!

這就是金融自由的含義！

So where exactly should you start!

那麼到底應該從哪裡入手呢!

Step One, Track your expenses and find out how much precisely you spend!

第一步，跟蹤你的支出，瞭解你的精確支出!

Step 2, figure out which categories can you optimize.

第二步，想好自己可以優化哪些類目。

If you spend 150 bucks on sweets a month.

如果你一個月花150塊錢買甜食。

5 dollars here, another 7 there, they add up.

這裡五塊錢，那裡七塊錢，它們加起來。

Stop that!

別這樣！

Step 3, fix the amount you want to save.

第三步，固定你要保存的金額。

So that you have a clear idea of how much money you spend and how much you put under

這樣你就能清楚地知道自己花了多少錢，放了多少錢在下面

your pillow.

你的枕頭。

Of course, you will have emergencies, but not every single month.

當然，你會有緊急情況，但不是每個月都有。

Therefore, be rational.

是以，要理性對待。

Now, the question is, what should you do with these savings.

現在的問題是，你應該如何處理這些儲蓄。

I can see 2 options.

我可以看到2個選擇。

Option 1 - You can Invest through an investment fund, which is a company that invests in hundreds

選擇1 - 您可以通過投資基金進行投資，這是一個公司，投資於數百個項目。

of other companies and that's the best option for most people.

的其他公司，這是大多數人的最佳選擇。

Option 2 - However, If you are willing to take it to the next level, you can create

選項2 - 然而，如果你願意把它帶到一個新的水準，你可以創建

your investment portfolio where you will invest in individual companies such as google, amazon,

你的投資組合，你將投資於個別公司，如谷歌，亞馬遜。

facebook.

臉譜網。

I have made multiple videos on the stock market so you can check them out for further details.

我做了多個關於股市的視頻，大家可以去看看，進一步瞭解。

This strategy is of course not going to make sense in the short run, but in 5 years, for

這個策略當然在短期內是沒有意義的，但5年後，對於

example, you can build a stable passive income of a few thousand dollars a month and retire.

例如，你可以建立一個穩定的每月幾千元的被動收入，然後退休。

It's mostly going to depend on how hard you are willing to hustle.

這主要是要看你願意如何努力拼搏。

Are you going to save 20% of your income or will go hard and save 60%.

你是要把收入的20%存起來，還是會硬著頭皮去存60%。

You are the one who will decide!

你才是決定的人!

Consumerism or Financial freedom?!

消費主義還是財務自由？