It's really tough to get rich if you think like a poor person.

如果你像窮人一樣思考問題，要想致富真的很難。

And we all know poor people.

我們都認識窮人。

They're all over the place.

他們到處都是。

So I'm gonna just show you something here.

我給你看點東西。

This here is a gold Rolex Daytona.

這是勞力士戴託納金色腕錶。

The younger people have no idea what Daytona means, but this was Paul Newman's watch and all this stuff.

年輕人不知道代託納是什麼意思，但這是保羅-紐曼的手錶，以及所有這些東西。

And I own four Daytonas.

我擁有四輛 Daytonas。

Then you go, oh, what a waste of money.

然後你就會想，哦，真是浪費錢。

That's what a poor person thinks.

窮人就是這麼想的。

Why do I buy a $50,000 watch, let's say it is, and gold rings and all this?

比方說，我為什麼要買一塊價值 5 萬美元的手錶，還有金戒指之類的東西？

Well, the reason is because the national debt of America is through the frickin' roof.

原因是美國的國債已經高得離譜了。

We're going bankrupt.

我們要破產了。

The way America, with our politicians, the way they solve their problems is they print money.

美國政客解決問題的方式就是印鈔票。

One thing wrong with printing money, the rich get richer and the poor middle class get poorer.

印鈔票有一個弊端，那就是富人更富，貧窮的中產階級更窮。

Gresham's Law says when bad money enters a system, good money goes into hiding.

格雷沙姆法則認為，當劣幣進入一個系統時，良幣就會躲藏起來。

So here's a 50 cent piece, Kennedy half dollar, 1964.

這是一枚 50 美分的硬幣，1964 年的肯尼迪半圓。

This is from my friend Jim Clark of Republic Monetary Exchange here in Phoenix, Arizona.

這是我的朋友、亞利桑那州鳳凰城共和貨幣交易所的吉姆-克拉克發來的。

I buy a lot of gold, real gold and silver from him.

我從他那裡買了很多黃金，真正的黃金和白銀。

So when bad money enters a system, which is the bad money, this or this?

那麼，當劣質資金進入一個系統時，哪個是劣質資金，這個還是這個？

See, Gresham's Law says when bad money enters a system, good money goes into hiding.

格雷沙姆法則認為，當劣質資金進入一個系統時，良幣就會躲起來。

This is bad money.

這錢不好賺。

This is real money.

這可是真金白銀。

So what happens is when I show this to most people, most people will say, which one?

所以，當我把這個給大多數人看時，大多數人都會問，是哪一個？

I say, which one do you want?

我說，你想要哪個？

The $10 or the 50 cent piece?

10美元還是50美分？

The average person, young or old, jumps for this.

普通人，無論老少，都會為此雀躍不已。

But this is bad money.

但這不是錢。

The smart want real money.

聰明人要的是真金白銀。

And the reason this happens is every time the government prints money, which started in 1971 when Nixon took the dollar off the gold standard, every time you print money, the rich get richer.

之所以會出現這種情況，是因為每次政府印鈔票，從 1971 年尼克松讓美元脫離金本位開始，每次印鈔票，富人都會變得更富有。

Let me say it again.

讓我再說一遍。

When you print money, government's print money, which they're printing all over the world today, the rich are getting richer because assets go up in value.

當你印鈔票，政府印鈔票，如今全世界都在印鈔票時，富人會變得更富有，因為資產會升值。

What else goes up in price are food, eggs and stuff like this.

價格上漲的還有食品、雞蛋之類的東西。

So the rich get richer because they have real money, but the poor and middle class get hammered because inflation's killing them.

富人變得更富有，因為他們擁有真金白銀，但窮人和中產階級卻因為通貨膨脹而遭受重創。

So you look at America today, there'll be an election coming up for the president.

放眼當今美國，總統大選即將來臨。

And what's happening is inflation is killing people right now.

現在的情況是，通貨膨脹正在奪走人們的生命。

This is getting, takes more and more of these to buy one of these here.

越來越多的人需要在這裡買這些東西。

So you understand Gresham's law.

所以你明白格雷沙姆定律。

When bad money enters a system, this is bad money, this goes into hiding.

當劣質資金進入一個系統時，這就是劣質資金，這就是藏匿起來的劣質資金。

So Republic Monetary Exchange, you're in Phoenix, this is in hiding.

共和國貨幣交易所，你在鳳凰城，這是在藏身處。

This 50 cent piece is worth a lot more than this.

這塊 50 美分的石頭可比這個值錢多了。

So when we're talking about why do I buy assets, why do I buy real estate?

那麼，當我們談論為什麼要購買資產，為什麼要購買房地產時？

Because when I use debt, debt is this fake money here.

因為當我使用債務時，債務就是這裡的假錢。

To buy a house, this goes down in value, but the house goes up in value.

如果要買房子，這些東西會貶值，但房子會升值。

So that's why the smart people know how to use debt to get richer, because they use debt to buy real assets, and this gets worth less and less and less and less and less.

這就是為什麼聰明人知道如何利用債務致富，因為他們利用債務購買實際資產，而這些資產的價值會越來越低。

It's Gresham's law.

這就是格雷沙姆定律。

When bad money enters a system, good money goes into hiding.

當劣質資金進入系統時，良幣就會藏匿起來。

When bad money enters a system, the rich buy more assets like real estate, land, things like this.

當劣質資金進入系統時，富人就會購買更多的資產，如房地產、土地等。

So they get richer, and the poor and middle class get poorer because inflation kills them.

他們越來越富，而窮人和中產階級卻越來越窮，因為通貨膨脹會殺死他們。

That's Gresham's law.

這就是格雷沙姆定律。

It's been around for thousands of years.

它已經存在了幾千年。

So I hold this up here, 1964 real silver, and this.

所以我拿著這個，1964 年的真銀，還有這個。

I say, which would you rather have, this 50 cent piece or the $10?

我說，你想要哪個，是這塊 50 美分的還是那塊 10 美分的？

The rich will take this, poor middle class will take this.

富人會接受，貧窮的中產階級也會接受。

Let me explain this.

讓我來解釋一下。

When you print money, the price of assets go up, like my apartment houses go up, the price of oil goes up, and things like this.

當你印鈔票時，資產的價格就會上漲，比如我的公寓房會漲價，石油會漲價，諸如此類。

So what happens is you print money, the price of oil goes up, but so does the cost of a chicken because a chicken takes gas to get it to the supermarket.

你印鈔票，油價就會上漲，但雞肉的價格也會上漲，因為把雞肉送到超市需要加油。

So you go to the supermarket, why is this chicken $10 today, whatever it is?

所以你去超市，為什麼這隻雞今天要賣 10 美元，不管它是什麼？

I don't pay attention to that stuff.

我不關注這些東西。

But we're printing so much money.

但我們印了那麼多錢。

Today, this here, the solid gold watch, I've been buying gold since it was $50 an ounce.

今天，這塊純金手錶，我從每盎司 50 美元時就開始購買黃金了。

That's why I own gold mines.

這就是我擁有金礦的原因。

I don't like to fool around with too much stuff.

我不喜歡玩太多東西。

I have real gold.

我有真金白銀。

I can take it, I can feel it.

我能拿起來，我能感覺到。

It's in a private vault hidden in some mountain not too far from here.

它就藏在離這裡不遠的一座山上的私人保險庫裡。

But the reason why I buy this gold watch, let's say it costs $50,000, five years from now, what will this gold watch be worth?

但我買這塊金錶的原因是，假設它的價格是 5 萬美元，五年後，這塊金錶會值多少錢？

See, if gold today is, let's say, $3,000, and the prediction is gold is going to go to $15,000, so that's a five-timer.

比方說，如果今天的黃金價格是 3000 美元，而預測黃金價格將達到 15000 美元，那麼這就是五倍的價格。

So the reason I buy a gold watch, I can buy a cheap-ass Swatch watch or a Timex or whatever it is for 50 bucks.

所以我買金錶的原因是，我可以花 50 塊錢買一塊便宜的 Swatch 或 Timex 或其他什麼表。

I have some of those too.

我也有一些。

By buying a gold Rolex, I'm not saying do it, I'm just telling you how I think and how poor people think.

我不是說要買勞力士金錶，我只是告訴你我是怎麼想的，窮人是怎麼想的。

I'm going to get myself a cheap-ass Apple Watch.

我要給自己買一塊便宜的蘋果手錶。

No right-lefty Apple person would buy a solid gold Apple watch because it doesn't fit their genre.

左派蘋果人不會購買純金蘋果手錶，因為這不符合他們的風格。

But when I buy this thing here, I get to wear my asset on my wrist because it gets more valuable the more our government is fucked up.

但是，當我在這裡買了這個東西，我就可以把我的資產戴在手腕上，因為我們的政府越糟糕，它就越值錢。

The more they print money, the more valuable, it's not the watch, it's the gold in the watch.

他們印的鈔票越多越值錢，值錢的不是手錶，而是手錶裡的黃金。

So I'm just saying to you, that is how I think, and I was trained to think that way.

所以我只是想說，我就是這麼想的，我就是被訓練成這麼想的。

But a poor person, they want to buy something that's nice-looking but inexpensive, and that's why they're poor.

但是窮人，他們想買好看又不貴的東西，這就是他們貧窮的原因。

You know, some people will buy, like I see women with these very expensive handbags.

你知道，有些人會買，比如我看到有些女人拿著非常昂貴的手提包。

I hate to tell you this, the only place that's going to be good for is a Salvation Army thrift store, but they have some Gucci bag or something, or they got Gucci shoes, or whatever they have.

我不想告訴你，唯一的好去處是救世軍的舊貨店，但他們有一些古奇包包什麼的，或者他們有古奇鞋，或者他們有的任何東西。

But there's nothing wrong with wearing your assets on your wrist, or gold earrings, because it's not the earring, it's the gold.

但把資產戴在手腕上或戴金耳環也沒什麼不好，因為關鍵不在於耳環，而在於金子。

So if you can understand that, the reason poor people are poor is they think if they get something for cheap, they're smart, but they're really poor.

所以，如果你能理解這一點，窮人之所以窮，是因為他們認為如果能以便宜的價格買到東西，他們就很聰明，但其實他們真的很窮。

So ladies and gentlemen, people talk about mindfulness now, and Buddhism is mindfulness.

所以，女士們，先生們，現在人們都在談論正念，而佛教就是正念。

What are you saying to yourself?

你在對自己說什麼？

Oh, I can get by living this, or I can eat cheap food, or I can do this.

哦，我可以這樣生活，或者我可以吃便宜的食物，或者我可以這樣做。

Remember this, this is the rule.

記住這一點，這是規則。

When the government prints money, assets go price up in price.

當政府印鈔時，資產價格就會上漲。

The rich get richer, but the poor get poorer.

富人更富，窮人更窮。

So when you print money, the price of gasoline goes up, I get richer, because I own oil wells.

所以，當你印鈔票時，汽油價格就會上漲，我就會變得更富有，因為我擁有油井。

The poor middle class get poorer, because they're putting gas in the car, it's also taking gas to get that chicken and toilet paper to the supermarket.

貧窮的中產階級變得更窮了，因為他們給汽車加油的同時，還要花汽油把雞肉和衛生紙送到超市。

So that's what's going on in America today, and the biggest problem, as you know, is that most of our leaders, a lot of them are school teachers, like Tampon Tim Walls, who ran with Kamala.

這就是當今美國的現狀，而最大的問題是，正如你們所知，我們的大多數領導人，其中很多都是學校教師，比如和卡馬拉一起競選的棉條蒂姆-沃爾斯（Tampon Tim Walls）。

He's a college professor, or something like that, the governor.

他是大學教授之類的，州長。

Don't hang out with poor people.

不要和窮人混在一起

It's a waste of your time.

這是在浪費你的時間。

My poor dad, smart guy and all that, poor as a church mouse.

我可憐的爸爸，雖然聰明過人，卻窮得像教堂裡的老鼠。

He wanted everything that was inexpensive, rather than something that was valuable.

他想要一切便宜的東西，而不是貴重的東西。

Not the price, but what is the long-term value of what you're buying?

不是價格，而是您所購買的東西的長期價值是什麼？

Today, I'm taking delivery on a new car, not that I need a new car, but it's a very rare car.

今天，我要去提一輛新車，不是我需要新車，而是這輛車非常罕見。

So I get to drive around in a very rare car that only rich people can afford.

所以，我可以開著一輛非常稀有的車到處跑，只有有錢人才買得起。

Oh, such a waste of money.

哦，真是浪費錢。

I'd rather drive around in my Toyota Prius.

我寧願開著我的豐田普銳斯到處跑。

Okay, that's fine, you get from point A to point B, but you get richer.

好吧，這很好，你從 A 點到了 B 點，但你變得更富有了。

No, that's the problem.

不，這就是問題所在。

So the problem isn't the Toyota Prius, or my new collector car coming in.

所以問題不在於豐田普銳斯，也不在於我新買的收藏車。

The problem is how you think.

問題在於你如何思考。

So ladies and gentlemen, it's called mindfulness.

女士們，先生們，這就是所謂的 "正念"。

Be mindful.

注意。

The question is, are you thinking like a rich person, a poor person, or a school teacher?

問題是，你是像富人、窮人還是學校老師那樣思考問題？

So if you want to find out the top three things that schools should have taught you about money, and three is light, man.

所以，如果你想知道學校應該教給你的關於金錢的三大知識，"三 "就是 "輕"，夥計。

They don't teach you anything.

他們不會教你任何東西。

But the top three things that school did not teach you about money, please watch the next video.

但是，關於金錢，學校沒有教給你的前三件事，請觀看下一個影片。