2020 hasn't been easy.

2020年並不容易。

Most people lost their jobs, struggled to pay the bills, and in the worst financial

大多數人失去了工作，難以支付賬單，在最糟糕的金融

shape than they were a year ago.

形狀比一年前。

However, that wasn't the case for everyone.

然而，並非所有人都是如此。

Some people made so much money last year that it's even difficult to imagine that much wealth.

有的人去年賺了那麼多錢，甚至難以想象那麼多財富。

Elon Musk made over 120 billion dollars from January 2020 to December 2020.

從2020年1月到2020年12月，埃隆-馬斯克賺了1200多億美元。

I am not sure if he has realized that, but most people will never see this kind of numbers

我不知道他是否意識到了這一點，但大多數人永遠不會看到這樣的數字。

except in GTA.

除了在GTA。

And that is not even his entire net worth.

而這還不是他的全部淨資產。

If you consider SpaceX, the Boring company, and all of his other ventures, his net worth

如果你考慮到SpaceX，Boring公司，以及他所有的其他企業，他的淨資產。

could exceed the 200 billion dollar mark.

可能會超過2000億美元大關。

Elon Musk might seem like a nerd who doesn't care about money, but he is not.

埃隆-馬斯克看起來像是一個不在乎錢的書呆子，但他不是。

If you take a look at his biography, you will realize that he has always been really good

如果你看看他的傳記，你就會發現他一直都是很優秀的。

with money.

用錢。

At some point in his life, he spent 1 dollar a day on food so that he could invest enough

在他生命中的某個時刻，他每天花1元錢買食物，這樣他就可以投資足夠的錢。

money into his startup.

錢投入他的創業公司。

And that's the case with most rich people.

而大多數有錢人都是這樣。

Rich people understand how the game of money works, not everyone of course makes 120 billion

有錢人都明白錢的遊戲是怎麼玩的，當然不是每個人都能賺1200億的

dollars a year, but the world is filled with rich people, so if you want to be one of them,

美元一年，但世界上充滿了富人，所以如果你想成為他們中的一員。

you should master the rules first.

你應該先掌握規則。

We have already made a video on this topic, but here 7 more rules of money that you should

我們已經做了一個關於這個主題的視頻，但這裡的7個更多的規則的錢，你應該。

absolutely know if you want to build wealth.

如果你想積累財富，絕對知道。

1.

1.

Number one: "Someone's sitting in the shade today because someone planted a tree a long

第一條"今天有人坐在樹蔭下，因為有人種了很久的樹

time ago”.

前"。

When you look at someone who makes a lot of money, it's easy to fall into the perception

當你看到一個人賺了很多錢的時候，很容易就會陷入到這樣的認知中去

that they are simply lucky.

他們只是運氣好而已。

It's easy to point fingers and accuse rich people of being greedy.

指指點點，指責富人貪婪很容易。

But the truth is, people don't suddenly make a lot of money except when they win the lottery

但事實上，除了中獎的時候，人們並不會突然賺到很多錢。

but rather work super hard their entire lives, and then 20 or 30 years later, their hard

而是一生都在超強度工作，然後二三十年後，他們的辛苦

work starts to pay off.

工作開始有了回報。

Elon Musk didn't make 120 billion dollars because he worked so hard this year.

埃隆-馬斯克沒有賺到1200億美元，因為他今年很努力。

In fact, he probably didn't work as much as he usually does.

事實上，他可能不像平時那樣工作。

For the last 17 years, Elon Musk worked day and night to make Tesla a successful company.

在過去的17年裡，埃隆-馬斯克為了讓特斯拉成為一家成功的公司而日夜操勞。

He invested over 80 percent of his own fortune that he has made from PayPal into Tesla, and

他把自己從PayPal賺到的財富80%以上投資到特斯拉，並。

in 2008, the company literally was on the verge of bankruptcy.

在2008年，該公司真的瀕臨破產。

He even reached out to the CEO of Daimler to convince him to buy Tesla because the company

他甚至找到了戴姆勒的CEO，說服他收購特斯拉，因為該公司。

simply didn't have the funds to survive.

根本就沒有生存的資金。

But Daimler refused to even invest a dime in Tesla.

但戴姆勒甚至拒絕向特斯拉投資一分錢。

Elon Musk spent his last dollars to save Tesla and was homeless for a while since he couldn't

埃隆-馬斯克為了拯救特斯拉，花光了最後的美元，由於無法無家可歸，他一度

afford to pay the bills.

支付賬單的能力。

Imagine making 180 million dollars but still can't afford rent because you invested your

想象一下，你賺了1.8億美金，但還是付不起房租，因為你把你的投資

entire fortune in your next startup.

整個財富在你的下一個創業公司。

In 2018, Tesla was struggling financially again, Elon Musk reached out to Tim Cook to

2018年，特斯拉在財務上再次陷入困境，埃隆-馬斯克找到蒂姆-庫克，要

convince Apple to buy Tesla, but Tim Cook even refused to meet him.

說服蘋果收購特斯拉，但蒂姆-庫克甚至拒絕與他見面。

Elon Musk still somehow managed to save Tesla.

埃隆-馬斯克還是以某種方式成功拯救了特斯拉。

Today, Tesla is worth over half a trillion dollars, and Elon Musk is the second richest

如今，特斯拉的身價已超過5萬億美元，埃隆-馬斯克是第二大富豪。

person in the world.

世界上的人。

So if you want to be in a better financial position 5, 10, or 15 years from now, you

所以，如果你想在5年、10年或15年後有更好的財務狀況，你就應該

better start planting your tree now.

最好現在就開始種樹。

2.

2.

Number 2: The most important thing to do if you find yourself in a hole is to stop digging."

第2條：如果你發現自己在洞裡，最重要的事情就是停止挖洞。"

let's say you have borrowed money to buy a brand new BMW.

比方說，你借錢買了一輛全新的寶馬。

But you don't use it much because you work from home and only need a ride once or twice

但你不太使用它，因為你在家裡工作，只需要一兩次的車程。

a week, but you still have to make your monthly payments.

一個星期，但你還是要按月付款。

The rational decision would be to sell that car and pay off your debts since you don't

理性的決定是賣掉那輛車，然後還清債務，因為你沒有

need the car, but since you have already paid a portion of that car, you don't want your

需要這輛車，但由於你已經支付了部分車款，你不希望你的。

previous investments to go to waste, so you keep the car.

以前的投資要白白浪費，所以你把車。

It's like when you purchase a ticket to a movie but then find out that the movie is

這就像你買了一張電影票，但後來發現電影是

boring, you still keep watching it because you don't want your money to be wasted.

無聊，你還是繼續看，因為你不想你的錢被浪費掉。

And that is known as the Sunk cost fallacy.

而這就是所謂的沉沒成本謬誤。

We all made mistakes, especially financial mistakes but don't let that lead you into

我們都會犯錯，尤其是財務上的錯誤，但不要是以而陷入

making more financial mistakes.

犯更多的財務錯誤。

If you started a business and then realized that it was a mistake, stop wasting your money

如果你創業後發現是個錯誤，就不要再浪費錢了。

and time on a failing business.

和時間在一個失敗的企業。

The money you have spent is already gone!

你花的錢已經沒有了!

Warren Buffett was a major investor in many airlines, but airline stocks crashed when

巴菲特曾是許多航空公司的主要投資者，但航空股崩盤時

the pandemic hit the world.

疫情席捲全球。

Buffett lost billions of dollars, but he didn't insist on keeping his airline shares.

巴菲特損失了數十億美元，但他沒有堅持保留他的航空股。

Overnight, Warren Buffett sold his entire portfolio of airline shares and invested in

一夜之間，巴菲特賣掉了他的全部航空股票組合，投資於

different businesses that seemed to do better during the pandemic.

不同的企業，在大流行期間似乎做得更好。

3.

3.

Number 3: the worst investment you can have is cash.

第三條：你最差的投資就是現金。

Everybody is talking about cash being king and all that sort of thing.

大家都在談論現金為王之類的事情。

Cash is going to become worthless over time.

隨著時間的推移，現金會變得不值錢。

But good businesses are going to become worth more over time.

但好的企業會隨著時間的推移變得更值錢。

If you know anything about money, then you probably heard about the concept of inflation.

如果你對貨幣有所瞭解，那麼你可能聽說過通貨膨脹的概念。

Paper money has no intrinsic value.

紙幣沒有內在價值。

It's merely created by the federal reserve to make it easy to measure the value of goods

它只是聯邦儲備局為了方便衡量商品的價值而創造的。

and services.

和服務。

Every year the fed either prints more money or in some pomps money into the economy, which

每年美聯儲要麼印更多的錢，要麼把錢投入到經濟中去，而這些錢

decreases the value of the existing cash in the economy.

降低了經濟中現有現金的價值。

So having a lot of cash isn't real wealth.

所以，擁有大量的現金並不是真正的財富。

You are rich when you own businesses that constantly produce something and grow or assets

當你擁有的企業不斷地生產一些東西，並增長或資產時，你是富有的。

that in some way, provide value, like a property that can be rented out.

以某種方式提供價值，比如可以出租的房產。

So don't strive to have more cash but use that cash to buy businesses that that grow.

所以，不要追求有更多的現金，而是用這些現金去購買那些發展的企業。

4.

4.

Number 4:" Speculation is most dangerous when it looks easiest."

第四條："投機最危險的時候，看起來最容易。"

I remember back in 2017 when crypto-currencies were rising like falcon 9 (SpaceX rocket),

我記得在2017年的時候，加密貨幣就像獵鷹9號（SpaceX火箭）一樣上漲。

everyone was jumping on board.

每個人都在跳上船。

No-one wanted to miss this opportunity, but most of them had no idea what bitcoin or cryptocurrencies

沒有人願意錯過這個機會，但他們中的大多數人都不知道什麼是比特幣或加密貨幣。

are.

是：

They thought they could get in and make a fortune, but soon prices crashed, and some

他們以為可以進去大賺一筆，但很快價格就崩盤了，有的人

people lost their entire lives savings.

人們失去了一生的積蓄。

Not to say that bitcoin is useless or anything like that, but never invest in something you

並不是說比特幣沒有用或類似的東西，但永遠不要投資於你的東西。

don't understand.

不明白。

in fact, "risk comes from not knowing what you are doing" oh yeah, that's also warren

其實，"風險來自於不知道自己在做什麼 "哦，對了，這也是沃倫說的

Buffett's quote.

巴菲特的一句話。

There are literally millions of ways to make money, but if you don't know enough about

賺錢的方法簡直是千千萬萬，但如果你對以下方面不夠了解

it, then you are gambling.

那麼你就是在賭博。

Can you get lucky?

你能走運嗎？

Of course!

當然了！

But what are the chances that you will get lucky?

但是，你的運氣有多大的機率呢？

Go and ask people who buy lottery tickets.

去問買彩票的人。

Not much.

不多

So, don't speculate!

所以，不要亂猜測!

5.

5.

Number 5: "If you buy things you do not need, soon you will have to sell things you need."

5號："如果你買了不需要的東西，很快你就得賣掉你需要的東西。"

The biggest financial mistake most people make is buying things they don't need, especially

大多數人犯的最大的財務錯誤是購買他們不需要的東西，特別是。

when they can hardly afford them.

當他們幾乎負擔不起的時候。

Life isn't a straight line.

生活不是一條直線。

Sometimes you will make a lot of money; other times, business will be down, so if you don't

有時候，你會賺很多錢；有時候，生意會不景氣，所以如果你不。

have a cash cushion, you will have to sell things you really need to pay the bills.

有一個現金緩衝，你將不得不出售你真正需要的東西來支付賬單。

At the end of the day, all that you need is a roof over your head, food on the table,

在一天結束時，你所需要的是一個屋頂在你的頭上，食物在桌子上。

and some wheels to get around, even if they are not your wheels.

還有一些輪子，即使不是你的輪子，也可以到處走走。

So always limit your expenses that you don't really need and focus on using your financial

所以，一定要限制好自己並不真正需要的支出，集中精力用好自己的財務。

resources to build an extra source of income.

資源，建立額外的收入來源。

How many times we have stories of people who inherited millions of dollars or even billions

多少次，我們有多少人繼承了幾百萬甚至幾十億的故事。

but ended up broke because they bought too many things they don't need.

但最後卻因為買了太多不需要的東西而破產。

Even athletes like Mike Tyson, who made over 300 million dollars over his career but had

即使是像邁克-泰森這樣的運動員，他在職業生涯中賺了3億多美元，但也有了

to file for bankruptcy once he retired.

以申請破產，一旦他退休。

6.

6.

Number 6: Don't get caught up with what other people are doing

第六條：不要被別人的所作所為所迷惑。

Have you ever heard of someone who did the exact same thing that others did and made

你有沒有聽說過有人做了和別人一模一樣的事情，卻做出了。

a fortune.

一筆錢。

Probably not.

可能不會

That's why don't follow the crowd.

所以不要隨波逐流。

It doesn't matter what everyone else does.

別人怎麼做都無所謂。

Most people are going to settle for the average.

大多數人都會滿足於平均水平。

In fact, if most people are doing it, then you should stay away from it.

事實上，如果大多數人都在做，那麼你應該遠離它。

Great opportunities come when no one is paying attention.

偉大的機會在沒有人注意的時候出現。

Being a contrarian isn't the key, but being a crowd follower isn't either.

做一個反面教材不是關鍵，但做一個從眾者也不是關鍵。

You need to detach yourself emotionally.

你需要在情感上疏導自己。

Especially when it comes to investing, whoever everyone is on board and start investing in

尤其是在投資方面，不管是誰，大家都會加入進來，開始投資於

a certain company, stay away from it because chances you will end up losing your money

某個公司，遠離它，因為你會最終失去你的錢的機會。

are way higher than you would make something and vice versa of course.

是比你會做的東西高得多，當然反之亦然。

7.

7.

Number 7: It is not necessary to do extraordinary things to get extraordinary results.

7號：不需要做非凡的事情，就能得到非凡的結果。

Most people think that you have to do something extraordinary to make a lot of money.

大多數人認為，你必須做一些非凡的事情才能賺到很多錢。

That's one way to do it, but making money is usually about small daily choices such

這是一種方法，但賺錢通常是關於日常的小選擇，如

as setting aside 5 dollars a day and investing in an index fund.

如每天留出5元錢，投資於指數基金。

You might not become the next Elon Musk or won't be able to build rockets that will make

你可能不會成為下一個埃隆-馬斯克，也不會造出能讓人的火箭。

humanity multi-planetary and in the process become the world's richest person, but with

人類多星球，並在這一過程中成為世界首富，但隨著

small right decisions, you can achieve extraordinary results.

小小的正確的決定，你可以取得非凡的成果。

So don't aim for immediate great results.

所以不要追求立竿見影的大效果。

The only immediate results you can aim for are two 4 stocks from Webull if you sign up

如果你報名的話，你唯一能爭取到的立竿見影的結果就是來自Webull的兩隻4股。

and despot 100 bucks and start investing.

和despot 100塊錢，並開始投資。

Who else will give you two free stocks if you start investing, or learn how to invest

如果你開始投資，或者學習如何投資，還有誰會免費送你兩隻股票呢？

by taking this course on Skillshare for free if you use the link in the description.

如果你使用描述中的鏈接，可以免費參加Skillshare的課程。

These seven rules of money are entirely based on warren Buffet quotes.

這七條理財法則，完全是根據巴菲特的名言而來。

If there is one guy who can give you the best financial advice, then it's Warren Buffet.

如果說有一個人可以給你最好的理財建議，那麼就是巴菲特。

And now give this video a thumbs up, and if you are new around here, then subscribe and

現在給這個視頻豎起大拇指，如果你是新來的，那就訂閱吧。

turn on your notifications.

打開你的通知。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。