One is when you don't have enough money, and the second is when you have too much money,

一個是當你沒有足夠的錢，第二個是當你有太多的錢。

and you have to manage it.

而你必須管理它。

Which one do you prefer?

你喜歡哪一個？

Most of you would probably prefer the second one.

你們中的大多數人可能會更喜歡第二種。

At the end of the day, thinking about how to invest your money is far better than planning

在一天結束的時候，思考如何投資你的錢要比計劃好得多。

how not to die out of starvation.

如何不因飢餓而死亡。

But the reason why so many us are in such a dark financial situation is because of the

但是，我們這麼多人處於如此黑暗的財務狀況的原因是由於

lack of financial literacy.

缺乏金融知識。

We somehow came to the conclusion that we naturally understand how to manage our money

我們莫名其妙地得出結論，我們自然明白如何管理我們的錢。

when the opposite is true.

而事實恰恰相反。

According to a study, the lack of financial literacy cost Americans $415 billion in 2020.

根據一項研究，缺乏金融知識在2020年使美國人損失了4150億美元。

For some reason, people lean to believe that financial success is more of luck than hard

出於某種原因，人們傾向於認為財務上的成功更多的是靠運氣而不是靠努力。

work, but by looking at the lottery winners, we can confidently say that its not about

工作，但通過觀察彩票中獎者，我們可以自信地說，它不是關於

not having money because the overwhelming majority of lottery winners go back to where

沒有錢，因為絕大多數的彩票中獎者都回到了原地。

they started after a year of winning the lottery since they mismanage their money and end up

他們在贏得彩票一年後開始，因為他們管理不善，最終導致了

wasting it in less than 12 months.

在不到12個月的時間裡浪費了它。

That's not surprising because only 30 percent of Americans have a long-term financial plan.

這並不奇怪，因為只有30%的美國人有一個長期的財務計劃。

And having a financial plan is very different from following that plan, so the percentage

而有一個財務計劃與遵循該計劃是非常不同的，是以，百分比

of people who take their financial lives seriously are a small minority.

認真對待自己財務生活的人是少數。

But then we complain how about how greedy capitalists like Jeff Bezos have corrupted

但我們又抱怨像傑夫-貝索斯這樣貪婪的資本家如何腐蝕了

the system.

該系統。

Well, of course, the system is far from perfect, but if you want to do better financially,

嗯，當然，這個系統遠非完美，但如果你想在財務上做得更好。

you have to accept your reality and succeed within it.

你必須接受你的現實並在其中取得成功。

The most popular financial advice you probably heard of is to SAVE at least 20 percent of

你可能聽說過的最流行的財務建議是，至少要將20%的

your income, have an emergency fund.

你的收入，有一個應急基金。

That's solid advice considering that 40 percent of Americans have less than 300 dollars in

考慮到40%的美國人擁有不到300美元的存款，這是個可靠的建議。

savings, but that's not enough!

儲蓄，但這是不夠的!

What if I told you that saving money is a bad idea?

如果我告訴你，省錢是個壞主意呢？

In fact, if you would have spent all of your savings last year, you would be doing far

事實上，如果你將去年所有的儲蓄都花掉，你會做得更多。

better financially than you are now?

在經濟上比現在好嗎？

I know that this is against everything you have been taught about money, but in this

我知道這與你所學到的關於金錢的所有知識相悖，但在此

video, you will find out why saving money, at least this year, is a bad idea.

視頻中，你會發現為什麼省錢，至少在今年，是一個壞主意。

If you are ready, give this video a thumbs up, and here is a little disclaimer - this

如果你準備好了，請為這個視頻豎起大拇指，這裡有一個小小的免責聲明--這個

is not financial advice, and everything that is said in this video is for educational purposes

並非財務建議，本視頻中所說的一切均為教育目的。

and now let's dive in.

現在讓我們深入瞭解一下。

One of

其一

the most common ways throughout history people

歷史上人們最常見的方式是

has made money is through saving account.

賺錢是通過儲蓄賬戶。

You could keep your money in a bank, and in return, the bank would pay you interest.

你可以把錢放在銀行裡，作為回報，銀行會付給你利息。

In fact, that's how banks work in the first place.

事實上，這就是銀行工作的初衷。

They take your money and lend it to someone else in the form of mortgages, car loans,

他們拿著你的錢，以抵押貸款、汽車貸款的形式借給別人。

and so on.

等等。

Back in the 1970s, for example, you could earn anything from 7 to 9 percent on your

例如，在20世紀70年代，你可以從你的資產中獲得7%到9%的收益。

savings account.

儲蓄賬戶。

To be honest, that's a pretty decent return considering that savings accounts are one

說實話，考慮到儲蓄賬戶是一個相當體面的回報。

of the safest forms of investments.

是最安全的投資形式。

But that has changed over time.

但隨著時間的推移，這種情況已經改變。

Keeping your money in a bank today will earn almost nothing?

今天把錢放在銀行裡，幾乎什麼都賺不到？

What?

什麼？

Nothing!

什麼都沒有!

Well, not exactly nothing but something close to that.

好吧，不是完全沒有，而是接近於此。

The largest US banks pay anything from 0.01 to 0.05 percent.

美國最大的銀行支付從0.01%到0.05%不等。

Just to give you a sense of how little is that.

只是為了給你一個感覺，那是多麼的少。

If you keep your hard-earned thousand dollars in a bank, at the end of the year, you will

如果你把辛苦賺來的一千美元放在銀行裡，到了年底，你會

receive an extra 50 cents.

獲得額外的50美分。

Yes, you won't even earn a dollar!

是的，你甚至不會賺到一美元！這就是我們的工作。

But why!?

但為什麼！？

Because banks no longer rely on the depositors to function.

因為銀行不再依賴儲戶來運作。

Banks don't need your money to be able to lend to others.

銀行不需要你的錢就能貸款給別人。

They can simply borrow from the Fed at a very low rate like 0.5 percent and lend it to everyone

他們可以簡單地以非常低的利率如0.5%向美聯儲借款，並將其借給所有人

else at a higher percentage, like 2 percent.

其他以更高的比例，如2%。

So it doesn't make sense to pay you a higher percentage if you deposit your money in a

是以，如果你把錢存進了銀行，支付給你更高的百分比是沒有意義的。

savings account.

儲蓄賬戶。

Banks have shifted from being an investment tool to a place just to park your money.

銀行已經從一個投資工具轉變為一個只是停放資金的地方。

So any money you save slowly becomes less valuable over time due to inflation, especially

是以，你存下的任何錢都會因為通貨膨脹而慢慢變得不值錢，尤其是

since 2020.

自2020年以來。

If you haven't spent your savings last year on any asset that appreciates in value, your

如果你沒有把去年的儲蓄花在任何升值的資產上，你的

savings are worth significantly less than they did last year.

儲蓄的價值大大低於去年的水準。

Let me give you a simple example.

讓我給你舉個簡單的例子。

In the last quarter of 2019, right before the pandemic, the median home price was 318K

在2019年的最後一個季度，就在大流行之前，房價的中位數是318K

dollars.

美元。

Fast forward to the second quarter of 2021.

快進到2021年的第二季度。

The median house price jumped to 375K dollars.

房價中位數躍升至37.5萬美元。

That's around a 20 percent increase.

這大約是20%的增長。

In fact, house prices have increased by around 25 percent on average, which means that you

事實上，房價平均上漲了約25%，這意味著你

would be far better off spending all of your savings on any property last year than keeping

將你的所有積蓄花在去年的任何財產上，會比保留你的財產要好得多。

it in the bank.

它在銀行裡。

That was not unique to real estate.

這並不是房地產所特有的。

Asset prices have grown across all categories.

所有類別的資產價格都有增長。

Some even doubled in lass than 12 months.

有些甚至在12個月內翻了一番。

That's why most rich people bought as many houses as possible, invested in the most stable

這就是為什麼大多數富人儘可能多地購買房屋，投資於最穩定的

companies and even spent fortunes on cryptocurrencies just to avoid cash because keeping cash since

公司，甚至在加密貨幣上花費巨資，只是為了避免使用現金，因為保留現金自

2020 was a bad idea.

2020年是個壞主意。

If you have even invested that money in yourself in way possible, that would be a better idea

如果你甚至以可能的方式將這些錢投資在自己身上，那將是一個更好的主意。

than just keeping it in a bank where interest rates are at almost zero percent.

比起把它放在利率幾乎為零的銀行裡。

We don't really know how long this astronomical inflation is going to continue.

我們真的不知道這種天文數字般的通貨膨脹會持續多久。

It definitely has slowed down, but judging by the Fed's contradicting statements, it's

它肯定已經放緩了，但從美聯儲自相矛盾的聲明來看，它是

unclear how long it will continue.

不清楚它將持續多長時間。

It might last another year.

它可能會再持續一年。

The only savings account that makes sense to keep your money in is crypto.

唯一有意義的儲蓄賬戶是加密貨幣，把你的錢放在裡面。

Wait for a second!

等一下!

Can you lend your crypto and earn interest?

你可以借出你的加密貨幣並賺取利息嗎？

Yes, you can!

是的，你可以!

But crypto was created to decentralize the financial system so that we can avoid the

但是，創建加密貨幣是為了使金融系統去中心化，以便我們能夠避免

banks.

銀行。

Well, that's a story for another time.

好吧，那是另一個時間的故事。

There are crypto banks like Gemini to whim you can lend your bitcoins and earn up to

有一些加密貨幣銀行，如Gemini，你可以把你的比特幣借給他們，並賺取高達

8 percent interest.

8％的利息。

The only problem is that your interest is paid based on the price of the crypto.

唯一的問題是，你的利息是根據加密貨幣的價格來支付的。

And judging by how volatile crypto is, at least today, your 8 percent can either be

從加密貨幣的波動程度來看，至少在今天，你的8%可能是

a lot or very little depends on the mood of Bitcoin.

很多或非常少取決於比特幣的情緒。

What you have to keep in mind is not to lose your principle when trying to make money on

你必須牢記的是，在試圖賺錢的時候，不要失去你的原則。

your savings.

你的儲蓄。

What's the point of getting a 20 percent rate of return when the price of that crypto could

獲得20%的回報率有什麼意義呢，因為該加密貨幣的價格可能會

go to zero?

歸零？

It actually happened.

它真的發生了。

That also applies to peer-to-peer lending.

這也適用於點對點借貸。

Your sibling might promise you a higher interest rate, but good luck even getting your principal

你的兄弟姐妹可能會向你承諾更高的利率，但祝你好運，甚至可以得到你的本金。

back.

背面。

As a wise man once said: if you lend money to a friend, you will either lose the money

正如一位智者所言：如果你把錢借給朋友，你要麼會失去這筆錢

or gain an enemy.

或獲得一個敵人。

Despite the importance of saving money, it isn't always the right strategy for financial

儘管省錢很重要，但這並不總是正確的財務戰略。

independence.

獨立。

How many people do you know became financially independent, flipping coupons and saving every

你知道有多少人通過翻閱優惠券和節省每一分錢而變得經濟獨立。

penny possible?

有可能嗎？

Don't get me wrong.

不要誤會我的意思。

I am a passionate supporter of the FIRE movement, and I do save the vast majority of my income,

我是FIRE運動的熱情支持者，而且我確實把絕大部分的收入都存起來了。

but there is only so much you can save.

但你能省下的只有這麼多。

There is a limit that you can't cross.

有一個極限，你不能跨越。

As a human, you need to spend some money to cover your basic necessities, so focus on

作為一個人，你需要花一些錢來支付你的基本生活費用，所以要關注

increasing your income rather than just saving.

增加你的收入，而不僅僅是儲蓄。

In fact, sometimes saving money can do more harm than good.

事實上，有時省錢可能弊大於利。

Buying low-quality food, for example, will damage your health over time and reduce your

例如，購買低質量的食物，隨著時間的推移，會損害你的健康，減少你的

life expectancy.

預期壽命。

So all that money you save but won't be able to spend throughout your lifetime is money

是以，你省下的那些錢，但在你的一生中都無法花掉，這就是錢。

wasted.

浪費了。

Sometimes when we are so desperately trying to chase money that we forget the very purpose

有時，當我們如此拼命地追逐金錢時，卻忘記了自己的目的。

of money.

的錢。

Money is not the goal.

錢不是目的。

Working hard just to have more money is not going to make you live forever, and it's not

僅僅為了擁有更多的錢而努力工作並不能使你長生不老，也不是

a fulfilling job.

一個令人滿意的工作。

Money is a tool to achieve more meaningful goals, such as a better quality of life for

金錢是實現更有意義的目標的工具，比如說，更好的生活品質，為

your and your family.

你和你的家人。

To have the financial freedom to do what inspires you, and the list goes on and on.

擁有財務自由來做激發你的事情，這樣的例子不勝枚舉。

Every hour you spend earning money is an hour you could have spent doing other things that

你花在賺錢上的每一個小時，都是你可以用來做其他事情的時間。

make you happier.

讓你更快樂。

Of course, if what you're doing is both earning you money and making you happy, then you are

當然，如果你所做的事情既能為你掙錢，又能讓你快樂，那麼你就是

a lucky person, but that's not usually the case for most people.

一個幸運的人，但對大多數人來說通常不是這樣的。

Does that mean you should stop saving money?

這是否意味著你應該停止省錢？

Not really!

並非如此!

Whether the inflation rate is 3 or 4 percent.

無論通貨膨脹率是3%還是4%。

You always need to have an emergency fund.

你總是需要有一個應急基金。

Something always goes wrong, no matter how perfectly you plan.

無論你的計劃多麼完美，總會出錯。

Of course, you can use your credit card, but paying a 25 percent interest on your credit

當然，你可以使用你的信用卡，但要為你的信用卡支付25%的利息。

card is the first financial mistake you should avoid at all costs.

卡是你應該不惜一切代價避免的第一個金融錯誤。

If your emergency fund is enough to keep you alive for a year at least should something

如果你的應急基金足以讓你生存一年，至少應該有一些東西

go wrong, you should be fine.

出了問題，你應該會沒事的。

The rest, if you are young, invest it aggressively to rip the rewards of compound interest.

其餘的，如果你還年輕，就積極地投資，以獲取複利的回報。

I know that 20 or 30 years looks like a really long time, but it's going to happen a lot

我知道20或30年看起來真的很長，但它會發生很多事情

sooner than you imagine.

比你想象的更快。

But where should you invest your money?

但你應該把錢投資在哪裡？

Investing today is easier than ever.

今天的投資比以往更容易。

You have the real estate, the bond market, crypto, or the stock market.

你有房地產，債券市場，加密貨幣，或股票市場。

But before you start investing in the stock market, you have to understand the basics

但在你開始投資股市之前，你必須瞭解基礎知識

of the stock market.

的股票市場。

You have to learn how to read financial statements, analyze companies, and read between the lines.

你必須學會如何閱讀財務報表，分析公司，並閱讀字裡行間。

That's why I created a short, animated course on Skillshare that will teach you everything

這就是為什麼我在Skillshare上創建了一個簡短的動畫課程，將教會你一切

you need to learn about the stock market.

你需要了解股票市場。

The entire course is animated from top to bottom and explained so simply that even if

整個課程從上到下都是動畫，解釋得非常簡單，即使是

you know nothing about the stock market, you will become an expert, the first 100 of you

你對股票市場一無所知，你將成為專家，你的前100個

to use the link in the description will get a two weeks of Skillshare premium and will

使用描述中的鏈接將獲得兩週的Skillshare溢價，並將

be able to watch the course for free.

能夠免費觀看該課程。

At the end of the course, there will be an assignment that you have to complete, and

在課程結束時，將有一項你必須完成的作業，並且

I will personally check your assignment and provide you with feedback.

我將親自檢查你的作業並向你提供反饋。

And now give this video the thumbs up that it deserves, and make sure to subscribe if

現在給這個視頻豎起應有的大拇指，並確保訂閱，如果

you haven't done that yet.

你還沒有做到這一點。

Thanks for watching and until next.

謝謝你的觀看，直到下一次。