Oh cool, this kid already has three mansions and 15 million dollars.

哦，酷，這孩子已經有了三棟豪宅和 1500 萬美元。

If so, then you're not alone.

如果是這樣，那麼你並不孤單。

I'm Vincent and I'm breaking down six reasons why you might feel like everyone else has more money than you and how you can use that to your advantage.

我是文森特（Vincent），我將為你分析為什麼你會覺得別人都比你有錢的六個原因，以及如何利用這些原因來為自己謀利。

The first reason is they made a bad choice.

第一個原因是他們做出了錯誤的選擇。

And let me explain.

讓我來解釋一下。

So back in 2019, one of my co-workers, he posted these incredible photos from his two-week vacation in Italy.

是以，早在 2019 年，我的一位同事就發佈了他在意大利度假兩週時拍攝的這些令人難以置信的照片。

He stayed at the Four Seasons.

他住在四季酒店。

He ate at Michelin star restaurants and he flew first class.

他在米其林星級餐廳用餐，坐頭等艙。

And here I was sitting dumbfounded on my phone, right?

而我卻呆呆地坐在手機上，對吧？

We both had the same salary.

我們倆的工資是一樣的。

We both worked the same amount of hours and worked at the same time.

我們的工作時數和工作時間都一樣。

So I couldn't figure out how he could afford all this.

所以我不明白他怎麼能負擔得起這一切。

So when he got back from his vacation, I was obviously nosy and I asked him how he did this and he just laughed.

是以，當他度假回來後，我顯然多管閒事，問他是怎麼做到的，他只是笑了笑。

Turns out he recently broke up with his girlfriend and he wanted to make her jealous.

原來，他最近和女朋友分手了，他想讓她吃醋。

And now he has to deal with $15,000 in credit card debt.

現在，他不得不面對 15,000 美元的信用卡債務。

Now, unfortunately, we live in a world that rewards visible wealth.

現在，不幸的是，我們生活在一個獎勵看得見的財富的世界裡。

That's the car you drive, the clothes you wear, and the jewelry you own.

這就是你開的車，你穿的衣服，以及你擁有的珠寶。

These things aren't just accessories.

這些東西不僅僅是配件。

They're kind of status symbols.

它們是一種身份的象徵。

Just like how peacocks flaunt their feathers to attract a mate, people use these things to feel validated in society.

就像孔雀炫耀自己的羽毛來吸引配偶一樣，人們用這些東西來感受自己在社會中的地位。

But unlike peacocks, we have the option to buy things with money that we don't have.

但與孔雀不同的是，我們可以選擇用沒有的錢買東西。

Like most luxury spending is paid for with a lot of debt.

就像大多數奢侈消費都是用大量債務換來的一樣。

In fact, the average American household carries over $7,200 in credit card debt as of 2024.

事實上，到 2024 年，平均每個美國家庭的信用卡債務將超過 7,200 美元。

But what's interesting is in the book The Millionaire Next Door, the author discovers that most of the millionaires he surveyed, most of them drove secondhand cars, they shopped at Walmart, and they dressed and looked like normal people.

但有趣的是，在《鄰家百萬富翁》一書中，作者發現他調查的大多數百萬富翁都開著二手車，在沃爾瑪購物，衣著和長相都與普通人無異。

Meaning most wealthy people aren't here showing off their money every chance they get because they know it's more important to prioritize saving and investing to actually financially successful than just signaling it.

這意味著大多數富人不會一有機會就在這裡炫耀他們的財富，因為他們知道，要想真正在經濟上取得成功，優先儲蓄和投資比一味地炫耀更重要。

By the way, if you want to learn how you can save $1K this month without changing your lifestyle or pinching pennies, I'm hosting a completely free 5-day $1K savings challenge starting January 6th, where we're going to cover the best saving strategies, tips, and resources that actually work.

順便說一下，如果你想了解如何在不改變生活方式或摳門的情況下，在本月節省 1,000 美元，我將從 1 月 6 日開始舉辦一個為期 5 天的完全免費的 1,000 美元儲蓄挑戰賽，我們將介紹最有效的儲蓄策略、技巧和資源。

It's completely free, and if you want to check it out, the link is down below, or you can scan the QR code.

它是完全免費的，如果你想查看，鏈接在下面，或者你可以掃描二維碼。

If you get to that site and it says it's no longer available, then unfortunately we already reached capacity.

如果您訪問該網站時顯示已無法訪問，那麼很遺憾，我們的訪問量已經達到飽和。

Next, you're not really sure what you want in life.

其次，你並不確定自己想要什麼樣的生活。

I spent years working a job that I wasn't a fan of because I basically followed what everyone else did.

我花了好幾年時間做一份自己並不喜歡的工作，因為我基本上是在跟著別人做。

During my senior year, everyone is looking for a job, but I honestly had no idea what I wanted to do.

大四那年，每個人都在找工作，但說實話，我根本不知道自己想做什麼。

My parents are immigrants, they have blue-collar workers, so they didn't know too much about corporate America or all the different job opportunities available, so it's not like I could just go ask them.

我的父母都是移民，他們都是藍領工人，所以他們對美國公司或各種工作機會並不太瞭解，所以我也不能隨便去問他們。

But I noticed that some of my smartest friends, they really wanted to work in finance or consulting, so I was like, why not?

但我注意到，我的一些最聰明的朋友，他們非常想從事金融或諮詢工作，所以我就想，為什麼不呢？

What's the worst that can happen?

最壞的情況是什麼？

And let me tell you, my god, the worst happened.

讓我告訴你，我的上帝，最糟糕的事情發生了。

I was depressed, I felt empty, I was sad every single day that I went there for years.

多年來，我每天去那裡都會感到沮喪、空虛和悲傷。

And then one day, I just cracked.

然後有一天，我崩潰了。

I had enough, and I realized that I had never once asked myself if this is what I truly wanted.

我受夠了，我意識到我從來沒有問過自己，這是否是我真正想要的。

You see, our brains are hardwired to need some sort of reference point in order to make sense of our world.

要知道，我們的大腦天生就需要某種參考點，以便理解我們的世界。

So if you don't have a clear vision of your own goals, then you're more likely to compare yourself to others and use where they're at to figure out where you should be doing or what you should be doing.

是以，如果你對自己的目標沒有一個清晰的認識，那麼你就更有可能把自己與別人進行比較，用別人的現狀來衡量自己應該做什麼或應該做什麼。

There's this thing called this self-determination theory, or SDT, that says that we all have three foundational psychological needs that we need met before we can feel comfortable about ourselves.

有一種叫做 "自我決定理論"（SDT）的理論認為，我們每個人都有三種基本的心理需求，我們需要滿足這些需求，才能讓自己感覺舒適。

The first psychological need is autonomy, meaning you feel like you have control over your own life and your own decisions.

第一種心理需求是自主，這意味著你覺得自己可以控制自己的生活和決定。

The next is competence, meaning you feel capable in your skills and what you do.

其次是能力，即你覺得自己有能力勝任自己的技能和工作。

And the third is relatedness, which means that you feel like you belong to a community or have meaningful connections with people.

第三種是關聯性，這意味著你覺得自己屬於一個群體，或者與人建立了有意義的聯繫。

And not being sure of what you want in life is one of the easiest ways to make yourself feel insecure about your own finances.

而不確定自己想要的生活是讓自己對自己的財務狀況感到不安全的最簡單方法之一。

So don't be like me, where I spent years letting other people's definition of success define my own.

所以，不要像我一樣，多年來一直用別人對成功的定義來定義自己。

I think everyone should spend at least one afternoon or two and really sit down and try to figure out what you want, and then start using your past self as a reference point instead of other people.

我認為每個人都應該至少花一兩個下午的時間，真正坐下來想一想自己想要什麼，然後開始用過去的自己而不是其他人作為參考。

For instance, are you doing better today than you were doing a few years ago?

例如，您今天的表現是否比幾年前更好？

Did you get a job promotion, a pay raise, did you pick up a new skill, or did you grow as an individual?

你是升職了、加薪了、掌握了新技能，還是個人成長了？

The next reason you feel everyone has more money than you is because of how naturally people want to portray themselves.

你覺得每個人都比你有錢的另一個原因是，人們很自然地想塑造自己的形象。

I think it's natural that we all like to take pictures or record videos of moments in our lives that are different from our regular day to day.

我認為，我們都喜歡拍照或錄製視頻，記錄生活中不同於日常的瞬間，這是很自然的事情。

Like, no one out here is actively taking selfies of ourselves, walking into our 9 to 5 job doing the same thing that we do every Monday to Friday.

就像，這裡沒有人會主動給自己拍自拍，朝九晚五地做著週一到週五的工作。

But when we do something different, like when we go on vacation or we buy something really expensive that we wouldn't normally do or buy, that's when we wipe our phone camera lens and we start turning into professional photographers with all the angles.

但當我們做一些與眾不同的事情時，比如去度假，或者買一些我們平時不會做或不會買的非常昂貴的東西時，就是我們擦拭手機相機鏡頭的時候，我們開始變成擁有各種角度的專業攝影師。

And since it's human nature to seek validation from other people, we tend to share these with friends and family and even put them on social media to the point where all our social media feeds are just highlight reels of everyone, like the very best moments of everyone's lives.

尋求他人的肯定是人類的天性，是以我們往往會與親朋好友分享，甚至把它們放到社交媒體上，以至於我們所有的社交媒體都是每個人的精彩片段，就像每個人生活中最美好的時刻。

And there's nothing inherently wrong with any of this, but that's just why everyone seems like they're living it up and spending a lot of money.

這些本質上都沒有錯，但這就是為什麼每個人看起來都過得很好，花了很多錢。

Most people aren't sharing the normal or the bad stuff they go through, like them paying off their credit card bills or them working overtime to afford something really nice.

大多數人不會分享他們所經歷的正常或糟糕的事情，比如他們還清了信用卡賬單，或者他們加班加點買得起非常好的東西。

And even for me, right?

對我來說也是如此，對嗎？

I try not to record when I have pimples on my face, but I've been getting them a lot recently and I can only hold off recording for so long.

我儘量不在臉上長痘痘的時候錄音，但最近臉上經常長痘痘，我只能忍著不錄音。

So thank you everyone for pointing it out.

謝謝大家的指出。

By the way, if you got any advice for these bad boys, let me know in the comments.

順便說一句，如果你對這些壞男孩有任何建議，請在評論中告訴我。

The next time you're doing scrolling and you come across one of these highlight reels, just acknowledge that it's okay to feel a little jealous, but just remind yourself that nobody is sharing their normal lives or their everyday struggles happening behind the scenes.

下一次，當你在瀏覽網頁時看到這些精彩片段時，承認自己有點嫉妒是可以的，但要提醒自己，沒有人在分享他們的正常生活，也沒有人在分享他們每天在幕後的掙扎。

So don't measure your financial picture based on what you see on social media.

是以，不要根據你在社交媒體上看到的內容來衡量你的財務狀況。

It's like comparing a picture perfect movie trailer to the actual behind the scenes chaos of what it takes to film a movie.

這就好比把完美如畫的電影預告片與拍攝一部電影的真實幕後混亂情況相提並論。

Next, you're focusing too much on visible spending.

其次，你過於關注可見支出。

Now, if you've been following me for a while, then you've heard me constantly say that one of the best ways to build wealth is by consistently investing for the long term.

現在，如果你已經關注我一段時間了，那麼你一定聽我說過，積累財富的最佳方法之一就是堅持長期投資。

And if you've been doing this, that means that a big part of your spending is invisible.

如果你一直這樣做，那就意味著你的很大一部分支出都是隱形的。

Like you can't go around showing off your 401k or your Roth IRA accounts at a party.

就像你不能在派對上到處炫耀你的 401k 或羅斯退休儲蓄賬戶一樣。

And I know it can get really tough, right?

我知道這很難，對吧？

When you see everyone or you hear everyone talking about getting the latest gadgets and gizmos and plenty, and you're just sitting here like, oh yeah, well, I just bought a stock that's going to help me retire five years earlier.

當你看到每個人或聽到每個人都在談論獲得最新的小工具、小玩意兒和很多東西時，你坐在這裡就會想，哦，是啊，我剛買了一隻股票，可以讓我提前五年退休。

Like I remember when all my close friends and I, we started working, right?

我記得我和我所有的好友都開始工作了，對吧？

All of them started getting nicer clothes, no more H&M or Forever 21.

他們都開始買更好的衣服，不再是 H&M 或 Forever 21。

It was now strictly Banana Republic or J.Crew or whatever jazz.

現在，這裡只剩下 Banana Republic 或 J.Crew 或其他什麼爵士樂了。

One person even bought a brand new Audi just three months into his new job.

有一個人甚至在剛工作三個月時就買了一輛全新的奧迪。

And then there was me just quietly trying to max out my 401k and HSA accounts and start investing, right?

而我只是默默地努力用完我的 401k 和 HSA 賬戶，然後開始投資，對嗎？

Like I still wore my old clothes.

就像我還穿著以前的衣服一樣。

I had my old phone and it would always say, damn, it's time for an upgrade.

我的舊手機總是說，該死的，該升級了。

But fast forward to today, all that invisible spending was what allowed me the freedom to start my own media company.

但快進到今天，所有這些隱形支出讓我有了創辦自己媒體公司的自由。

And now those same friends are now asking me, what should they invest in?

現在這些朋友又問我，他們應該投資什麼？

How can they make more money, et cetera, et cetera.

他們怎樣才能賺更多的錢，諸如此類。

And then there's also that one guy who's still paying off his Audi car loan.

還有一個人還在償還他的奧迪汽車貸款。

There's a really interesting take about this in the book, The Psychology of Money, where the author, Morgan Housel says, wealth is what you don't see, right?

在《金錢心理學》一書中，有一個非常有趣的觀點，作者摩根-豪塞爾說，財富就是你看不到的東西，對嗎？

It's the savings.

這是節約。

It's the investments.

是投資。

It's the financial security.

是經濟保障。

It's the peace of mind that comes from having invisible spending and money.

這就是隱形支出和資金帶來的安心感。

And what you see, in other words, what people show you is often not actual wealth.

而你所看到的，換句話說，人們展示給你的往往不是實際的財富。

It's spending.

這是開支。

So the next time that you were tempted to splurge because you think everyone else seems to be, remember that true wealth often grows quietly.

所以，下次當你覺得別人都在揮霍時，請記住，真正的財富往往是悄無聲息地增長的。

Your invisible investments may not be Instagram worthy or something you can experience today, but it will be worth it in the future.

你的隱形投資可能不值得在 Instagram 上發表，也不是你今天就能體驗到的，但它在未來將是值得的。

The next reason is you're focusing too much on the exception and not the rule.

第二個原因是，你過於關注例外情況，而不是常規情況。

I remember back in 2021 when Dogecoin, FTSE, and GameStop AMC was all the rage, right?

我還記得 2021 年，Dogecoin、FTSE 和 GameStop AMC 風靡一時，對嗎？

I would hear all about these overnight success stories of how people turned $100 into a million dollars all over TikTok, Reddit, and even YouTube.

我在 TikTok、Reddit 甚至 YouTube 上都能聽到這些一夜暴富的故事，人們如何將 100 美元變成一百萬美元。

And I mean, even I got caught up in that, right?

我的意思是，連我自己都被捲了進去，對吧？

But the problem is, is when most people see these kind of get rich quick stories, the immediate natural thought is, hmm, that seems doable.

但問題是，當大多數人看到這些快速致富的故事時，自然會馬上想到，嗯，這似乎是可行的。

Let me give it a go, which is survivorship bias hard at work, which is basically when we just focus on the winners of people who made a lot of money.

讓我來試試，這是倖存者偏差在起作用，基本上就是我們只關注那些賺了很多錢的人的贏家。

We often ignore the losers, right?

我們經常忽視失敗者，對嗎？

We see the guy with the Lamborghini who got rich off of Bitcoin, but we don't see the tens of thousands who lost their savings.

我們只看到那個開著蘭博基尼的傢伙靠比特幣發家致富，卻看不到成千上萬的人失去了他們的積蓄。

And this all happens because of two simple reasons.

而這一切的發生都有兩個簡單的原因。

The first one is people probably feel too embarrassed to publicize losing all their money on a silly, risky gamble.

首先，人們可能覺得不好意思公開自己在一場愚蠢而冒險的賭博中輸掉了所有的錢。

And I mean, I would.

我的意思是，我會的。

And number two, posts about losing money probably aren't going to go viral.

第二，關於賠錢的帖子可能不會成為病毒。

So you tend to hear less about it.

是以，你往往聽得比較少。

But if you dig really, really deep, you can actually find some really sad stories of people losing all their money, their life savings, how their nest egg, right?

但是，如果你真的真的深入調查，你會發現一些非常悲慘的故事，人們失去了所有的錢，失去了畢生的積蓄，失去了他們的巢穴，對嗎？

Like even looking at the numbers of comments and likes for these types of stories is nothing compared to how viral the winning stories get.

就像即使看看這類報道的評論和點贊數量，也比不上獲獎報道的病毒式傳播。

So the next time you see someone post about getting rich on TikTok, Instagram, YouTube, Reddit, whatever, remember that's the exception, not the rule.

是以，下次當你看到有人在 TikTok、Instagram、YouTube、Reddit 等網站上發佈發財致富的消息時，請記住那只是例外，而不是規則。

The main thing is to just stay focused on investing for the long term, trust the process and know that being consistent will pay off over time.

最重要的是，要專注於長期投資，相信投資過程，並知道堅持不懈就會有回報。

The next reason everyone seems to have more money than you is sometimes people just do have more money than you, whether that's because their parents are rich, they got really lucky or because they worked really, really hard.

每個人似乎都比你有錢的另一個原因是，有時人們確實比你有錢，不管是因為他們的父母很有錢、他們運氣很好，還是因為他們非常非常努力地工作。

I think too often people spend their mental energy feeling frustrated or feeling bad for when they see people doing better than them.

我認為，當人們看到別人做得比自己好時，往往會感到沮喪或難過，從而耗費大量的精力。

And I say this as someone who has seen both sides, right?

我是以一個見過雙方的人的身份說這番話的，對嗎？

I grew up poor.

我從小家境貧寒。

I had free school lunch my entire life.

我一輩子都在學校吃免費午餐。

And then I went to a college where, according to the New York Times, one in four students came from the one percent.

後來我上了一所大學，據《紐約時報》報道，那裡每四個學生中就有一個來自那百分之一的人。

That is the wealthiest of the wealthiest in the world.

這是世界上最富有的人中最富有的人。

Kids were driving Maseratis in school.

孩子們在學校裡開著瑪莎拉蒂。

They were wearing Louis Vuitton and wearing it to class and flying to Cabo for spring break.

他們穿著路易威登去上課，飛去卡波過春假。

And as someone who started literally from the bottom and now can say I've done pretty well for myself, I realized that all the time I spent feeling frustrated in college didn't really achieve anything other than make myself feel bad.

作為一個從最底層做起，現在可以說已經做得相當不錯的人，我意識到，我在大學裡花在沮喪上的所有時間，除了讓自己感覺糟糕之外，並沒有真正達到任何目的。

What I found really helpful for me was instead of asking myself, why does so and so have more money than me?

我發現對我真正有幫助的是，不要問自己：為什麼某某比我有錢？

I started asking myself, how did they do it or how did their parents do it?

我開始問自己，他們是怎麼做到的，或者他們的父母是怎麼做到的？

And it's a simple rephrase of the question that forces you to work backwards and figure out what their process was, what their behaviors were, what their actions, what their habits were that allowed them to build so much wealth, which you might be able to adopt and let it work for you.

這只是一個簡單的問題重述，它迫使你逆向思維，找出他們的過程是什麼、他們的行為是什麼、他們的行動是什麼、他們的習慣是什麼，從而讓他們積累了如此多的財富，而你或許可以採用這些，並讓它們為你所用。

You see, the shift in questioning is the difference between having a fixed mindset versus a growth mindset.

你看，提問方式的轉變就是固定型思維模式與成長型思維模式的區別。

When you have a fixed mindset, you believe that your abilities, your opportunities and situations cannot be changed.

當你擁有固定思維模式時，你就會認為自己的能力、機會和處境是無法改變的。

But if you have a growth mindset, you know that these qualities can be changed.

但是，如果你擁有成長型思維模式，你就會知道這些品質是可以改變的。

So you start seeing challenges as opportunities to learn and improve.

是以，你開始把挑戰視為學習和進步的機會。

And in this case, referencing someone else's success is a good thing because you're using someone else's journey as a blueprint to follow for yourself, which changes your negative feelings into positive action.

在這種情況下，參考別人的成功經驗是一件好事，因為你把別人的歷程作為自己的藍圖，從而將消極情緒轉化為積極行動。

And this kind of leads me into something that you've got to start accepting is that even if you know all this information, just knowledge and information will only get you so far.

這讓我意識到，即使你知道所有這些資訊，知識和資訊也只能讓你走得更遠。

It's really taking action that makes the difference.

行動才是真正的改變。

So you actually want to get better with your money.

所以，你其實是想更好地利用你的錢。

It all starts with what you do with your money after you get your paycheck.

一切都要從你領到工資後如何支配自己的錢開始。

Click here to learn the 10 steps you need to take immediately after you get paid.

單擊此處瞭解獲得報酬後需要立即採取的 10 個步驟。