Name: 當我不再做這 8 件事時，我變得富有了 (I Got RICH When I Stopped Doing These 8 Things)
Uploaded: 2024-08-03T14:56:23.000Z
Duration: 10 min 33 s

to 不定詞

This coming recession is your opportunity to get rich.

即將到來的經濟衰退是你致富的機會。

Well, that's what all the YouTubers seem to be saying.

所有的 YouTuber 似乎都是這麼說的。

You need to get rich and you need to get rich quick.

你需要致富，你需要快速致富。

So let's talk about how you can win while others are losing.

所以，讓我們來談談如何在別人失敗的時候，你能贏。

The opportunity that is at our feet as I'm filming this video is absolutely insane.

在我拍攝這段視頻的時候，機會就在我們腳下，這絕對是瘋狂的。

So by being aware of the following eight traps, you'll be able to make much better choices with your money.

是以，瞭解了以下八大陷阱，你就能在理財方面做出更好的選擇。

Money trap one, being scared to take risks.

Being scared of risky opportunities is understandable in such uncertain times.

在這樣一個不確定的時代，害怕冒險的機會是可以理解的。

As an investor and a businessman, my job is always to minimize risk.

作為一名投資者和商人，我的工作始終是最大限度地降低風險。

Risk might sound sexy, but taking too much on is not a smart move.

風險可能聽起來很性感，但承擔太多並非明智之舉。

I say this, but even when you've done everything in your power to minimize risk, there is still going to be some in every opportunity.

我是這麼說，但即使你已經竭盡全力將風險降到最低，每個機會中還是會有一些風險。

And we all know the cliche saying that when something is too good to be true, it probably is.

我們都知道一句老生常談的話：好得不像真的東西，很可能就是真的。

If you're lucky enough to be between the ages of 20 and 50, then you're at a huge tipping point in your life.

如果你足夠幸運，年齡在 20 歲到 50 歲之間，那麼你正處於人生的一個重要轉捩點。

The decisions you make in this 30-year window will cause huge ripples that affect your loved ones like your parents, grandparents, partner, and kids, be that positively or negatively.

你在這 30 年中所做的決定會激起巨大的漣漪，影響到你的父母、祖父母、伴侶和孩子等親人，無論是積極的還是消極的。

To put it simply, this time period could make or break your financial future.

簡單地說，這段時間可以決定你的財務未來。

So when an opportunity that could completely change your life presents itself, will you be paralyzed due to the recession or will you objectively analyze the risk and act not out of fear, but ambition?

是以，當一個可以徹底改變你人生的機會出現時，你是會因為經濟衰退而裹足不前，還是會客觀地分析風險，不是因為恐懼，而是因為雄心壯志而採取行動？

Many millionaires say one of their five biggest life regrets was not being bolder.

許多百萬富翁說，他們人生五大遺憾之一就是沒有更大膽。

The thought of what could have been eats away at you if you don't take that small leap of faith.

如果你不堅定信念，就會被本可能發生的事情所吞噬。

Money trap two, investing in things you don't understand.

金錢陷阱二，投資於你不瞭解的事物。

This is the number one rule of investing.

It is extremely true, but every time a crisis happens, people totally ignore it.

這是非常正確的，但每次危機發生時，人們都會完全忽視它。

It's great there's so much information being shared online now.

現在能在網上分享這麼多資訊真是太好了。

The rich are finally giving out their secrets and people are listening.

富人終於說出了他們的祕密，人們也在傾聽。

However, it is important to be careful about what advice you act on.

不過，重要的是要謹慎對待你所採納的建議。

If you don't completely understand and invest in opportunity, stay away from it until you do.

如果你不完全瞭解並投資於機會，那麼在你瞭解之前，請遠離它。

I get lots of messages asking me my advice about stocks, cryptocurrency, and real estate.

我收到很多資訊，詢問我對股票、加密貨幣和房地產的建議。

It's obvious that some of these people have just watched a 10 minute video on the subject and are ready to put all their hard earned money into something that they don't fully understand.

很明顯，有些人只是看了 10 分鐘的相關視頻，就準備把辛苦賺來的錢全部投入到他們並不完全瞭解的事情上。

Like I said before, risk is good, but it's your job to minimize that risk by doing as much research as possible.

就像我之前說的，風險是好事，但你的工作就是通過儘可能多的研究將風險降到最低。

You should never just take advice from one person on the internet, as everyone has different opinions on investment opportunities.

您千萬不要只聽取互聯網上一個人的建議，因為每個人對投資機會都有不同的看法。

It's best to pull lots of opinions together so that you're able to make a more informed decision.

最好能綜合多方意見，以便做出更明智的決定。

Many years ago, when I was in my early 20s, I nearly put a big chunk of money into an investment group.

許多年前，當我 20 歲出頭時，我差點把一大筆錢投入一個投資集團。

Everything they touched seemed to turn to gold and I didn't really understand how they were doing it, so I passed on the opportunity.

他們碰過的東西似乎都會變成金子，我不太明白他們是怎麼做到的，所以我放棄了這個機會。

Had I invested $50,000 a year later, I would have lost over $300,000 because they were leveraging every investment by six times.

如果我在一年後投資 5 萬美元，我將損失 30 多萬美元，因為他們將每筆投資的槓桿放大了六倍。

It's a good lesson to learn though, because I would have previously thought the amount I invested would have been the maximum I could lose.

不過這也是一個很好的教訓，因為我之前以為我投資的金額已經是我可能損失的最大金額了。

I had yet to discover the perils of margin trading and I'm glad it didn't cost me 300K to learn that lesson.

我還沒有發現保證金交易的危害，我很慶幸沒有花 30 萬來吸取這個教訓。

Luckily now there are apps like public.com where you can interact with a community of investors and learn together.

幸運的是，現在有了像 public.com 這樣的應用程序，您可以與投資者社區互動，共同學習。

They also give you a free stock worth up to $1,000 when you sign up.

註冊時，他們還會免費贈送價值高達 1,000 美元的股票。

I'll leave that link in the description below.

我會在下面的說明中留下鏈接。

This may sound a bit strange, not spending enough.

這聽起來可能有點奇怪，因為花得不夠多。

I thought you were meant to spend less and invest more.

Well, the thing is, if you don't spend enough money on good quality products, then it could actually end up costing you more money.

問題是，如果你沒有花足夠的錢購買優質產品，那麼最終可能會讓你花更多的錢。

Being frugal with your money in some situations isn't a bad thing.

在某些情況下，節儉並不是壞事。

Like not spending too much on takeaways or shopping around for the best grocery deals.

比如，不在外賣上花太多錢，或者貨比三家，買到最實惠的日用品。

However, if people start trying to cut costs on everything, then it could be pretty dangerous.

但是，如果人們開始試圖削減一切成本，那就會非常危險。

Let's say you have to take your car in for a repair.

比方說，您必須把汽車送去修理。

If you go to the cheapest car repair shop, then you might be lucky enough to get a good service.

如果你去最便宜的汽車修理店，那麼你可能會幸運地得到很好的服務。

However, it's more likely that you aren't gonna get a quality job done as they can't afford to take the time to look after your car carefully.

然而，您更有可能得不到高質量的服務，因為他們沒有時間仔細檢查您的愛車。

They may cut corners and miss something or even lie about fixing the issue.

他們可能會偷工減料，漏掉一些東西，甚至謊稱已解決問題。

This means it's not gonna be long before your car has problems again and you'll have to go back and get it repaired properly.

這意味著用不了多久，您的愛車就會再次出現問題，您必須回去好好修理。

You might as well have spent the extra money now, which will save you money in the future.

還不如現在多花點錢，將來還能省錢。

And of course, that's the best case scenario.

What if the car is still dangerous and it causes you to have an accident?

如果汽車仍然很危險，導致您發生事故怎麼辦？

There are many things like a car repair that it's best to pay a little bit more for to be on the safe side.

有很多事情，比如修車，為了安全起見，最好多付一點錢。

Buying quality products and services also helps support the people that are offering them.

購買優質產品和服務還有助於支持提供這些產品和服務的人。

If no one buys these quality services, then they won't be there when we need them.

如果沒有人購買這些優質服務，那麼當我們需要它們時，它們就不會出現。

Money trap four, taking your job for granted.

金錢陷阱四，把工作視為理所當然。

With more people than ever losing their jobs and businesses going bankrupt, it's really not the time for people to take their job for granted.

現在失業的人比以往任何時候都多，破產的企業也比以往任何時候都多，人們真的不應該把自己的工作視為理所當然。

If you have a steady job, then you're in a better position than a lot of people at the moment.

如果你有一份穩定的工作，那麼你現在的處境比很多人都要好。

And you should do everything in your power to keep it that way.

你應該竭盡全力保持這種狀態。

If you want the ability to invest and having a strong income source, such as a job, is imperative.

如果你想擁有投資能力，那麼工作等強有力的收入來源是必不可少的。

並非一切都在我們的掌控之中。

However, when a business is in trouble, they often have to make some tough choices about who to fire first.

然而，當企業陷入困境時，他們往往不得不做出一些艱難的選擇，先解僱誰。

When the people in my team go the extra mile in a time like this, it doesn't go unnoticed.

在這樣的時刻，我團隊中的人付出了額外的努力，這不會被忽視。

If someone makes themselves indispensable to a business, then they're gonna be the ones holding onto their jobs longer than anyone else.

如果有人讓自己成為企業不可或缺的人，那麼他們就會比其他人更長久地堅守崗位。

I've noticed a trend going around on TikTok called silently quitting.

我注意到 TikTok 上有一種叫做 "默默退出 "的趨勢。

The basic idea is to do just the bare minimum at your job.

基本理念是在工作中只做最基本的事情。

I couldn't disagree more with this mentality.

It's important to remember that everyone is in the same boat and ideally an employer would love to save everyone's jobs.

重要的是要記住，每個人都在同一條船上，理想情況下，僱主都希望保住每個人的工作。

In order for this to happen, then the business needs to be performing to the best of its ability.

要做到這一點，企業就必須全力以赴。

One of my past members of staff would moan and complain about everything.

我過去的一名員工就會無病呻吟，抱怨一切。

Then he decided to leave because he was offered a job with a higher salary and more perks.

後來，他決定離開，因為有人給了他一份薪水更高、福利更多的工作。

As he left, I remember him saying, you'll be begging for me to come back.

他走的時候，我記得他說，你們會求我回來的。

He lasted less than a month at his new job.

他在新工作崗位上幹了不到一個月。

As he couldn't hit the targets, he also hated the traveling and the long hours.

由於無法擊中目標，他也討厭旅行和漫長的工作時間。

I'm not saying he begged for his job back, but he did ask.

我不是說他乞求重回工作崗位，但他確實提出了要求。

And as you can imagine, there was no position for someone that just does the bare minimum.

可想而知，沒有一個職位適合只做最基本工作的人。

There's an old saying that the grass is always greener on the other side.

有句老話說得好，"草長鶯飛"。

Payday loan companies are like predators during these times.

在這個時期，發薪日貸款公司就像掠奪者。

They see people are struggling and they advertise to them nonstop.

他們看到人們在掙扎，就不停地向他們做廣告。

Every time they open Facebook, every time they look at a billboard, every time they read a newspaper, get paid now, quick and easy.

每當他們打開 Facebook，每當他們看到廣告牌，每當他們閱讀報紙，都能快速輕鬆地獲得報酬。

Although a lot of people have become aware of this money trap, there are still lots that would consider taking out a payday loan and paying it back later.

雖然很多人已經意識到了這種金錢陷阱，但仍有很多人會考慮申請發薪日貸款，然後再還款。

This is one of the worst things someone can do as it has the potential to totally destroy your credit score, which could mean that buying a house or a car in the future could be a big challenge.

這是最糟糕的事情之一，因為它有可能完全毀掉你的信用評分，這可能意味著今後買房買車會是一個巨大的挑戰。

The interest rates on loans like these are sky high.

So you end up paying back way more than you actually borrowed.

是以，你最終要償還的金額遠遠超過你實際借貸的金額。

By simply tracking your spending, you can avoid being in a situation where these predatory companies can take advantage of you.

只需跟蹤自己的消費情況，就能避免被這些掠奪性公司利用。

Money trap six, not having a side hustle.

Although you shouldn't be taking your job for granted, it also shouldn't be your only way of generating income.

雖然你不應該把工作視為理所當然，但它也不應該是你唯一的創收途徑。

Think of a job as the foundation of your life.

If you're balancing everything on one foundation, when an earthquake hits such as a recession, your whole life is gonna crumble away.

如果你把一切都平衡在一個基礎上，一旦發生地震，比如經濟衰退，你的整個生活就會崩潰。

By having a side hustle, you create another stream of income that strengthens the foundations of your life.

通過副業，你可以創造另一種收入來源，從而鞏固你的生活基礎。

Now, if you lose your main job, you still have a source of income to pay your bills and it can prevent you from falling into bad debt.

現在，如果你失去了主要工作，你仍然有收入來源來支付賬單，而且可以防止你陷入壞賬。

My early jobs only just paid enough to keep my head above water.

我早期的工作收入僅夠維持生計。