According to a recent study, Americans are wasting $18,000 on nonessential items a year.

一項近期研究指出，平均每名美國人每年花費一萬八千美金在不必要的東西上。

$18,000. Guys, that could be going toward paying down your debt, retirement or even your emergency fund.

一萬八千美金。大夥們，這些錢大可拿來還債、當退休金或緊急備用金。

I mean, you could do so many things with that money.

我的意思是，這些錢可以拿來做好多事。

Could you imagine if you had that money saved in the bank, how much better you would sleep at night versus spending it on stuff that really doesn't matter?

你想像一下，比起將這一大筆錢花在非必需品上，存到銀行裡想必可以讓你夜晚睡更香。

Well, I put together a list of categories of things that you do not need to spend money on, okay.

我整理了一個表格，將非必需品分類。

And I've broken them down into three different categories.

我將它們分為三類。

The first one: subscriptions.

第一類是：訂閱。

Smartphone apps, yep. They can get expensive.

智慧型手機應用程式，沒錯。它們可能很貴。

I may or may not have purchased workout app that I thought you had to pay a little bit each month.

我也曾經買過健身應用程式，我想說每個月只需要付一點費用。

No, no. They charged ole Rachel's account the entire amount.

不，想太美了。它們最後花了妹子我一大筆金額。

So I got charged $109 for this dang workout app that later, come find out, it had workouts that basically you could get from the Nike app for free.

所以我後來總共花了 109 美金在這個該死的健身應用程式上，後來才發現，原來 Nike 的應用程式上就有免費的。

But, oh, it just broke my heart and still scarred me to this day.

不過 …… 這件事現在說來都還是讓我心痛。

But really, we can waste a lot of money on apps.

但講真的，我們可能會浪費好多錢在應用程式。

Even those games that you're addicted to.

甚至是那些你上癮的遊戲。

Yeah, it's like well 99 cents to buy this thing here or that thing here, and it just seems harmless.

對，少少 99 分錢就能買個這個再買個那個，看起來無傷大雅。

But when you look, Americans spend almost $100 a year buying stuff in their mobile games.

但當你細究，美國人平均每年花了近 100 美金在手遊上。

Yeah, it's crazy.

太瘋狂了。

Also, subscription boxes.

還有就是，訂閱盒。

Yeah, like Birchbox, Graze, Stitch Fix, BarkBox.

像是 Birchbox (美妝訂閱盒)、Graze (零食訂閱盒)、Stitch Fix (服飾訂閱盒)、BarkBox (寵物狗用品訂閱盒)。

These are all really fun.

這些東西是很有趣。

They're super convenient, but if you're getting out of debt, especially, or saving up for your emergency fund, places that you can cut.

而且非常方便，但如果你債務纏身，或尤其是正在存緊急備用金，這些是你可以捨棄的。

Ah, cable, mmm, I'm sorry to say it, but it's true.

啊，有線電視，嗯 …… 很抱歉這樣說，但是真的。

Things like cable, Hulu, Netflix, Amazon, YouTube TV, all of these subscriptions that are around— you can cut those.

像是有線電視、Hulu、Netflix、Amazon、YouTube 電視，這些你生活周遭的訂閱，這些都能捨棄。

Because the average cable bill is $85 a month.

因為有線電視每個月平均要價 85 美金。

That's over $1,000 a year.

一年下來超過 1000 美金。

So remember, it's 2019. There's so many free or cheap options that you can have to watch TV, so look into that.

所以記得，已經 2019 年了。有很多免費或是比較便宜的節目觀看選項，去研究一下這方面。

And I even went and looked at the top ten shows on TV right now, and eight out of 10 of them are on free TV.

我甚至去超了目前前十大熱門節目，其中有八個都能在免費電視收看。

So you don't need cable or a subscription to watch those.

所以你根本不需要有線電視或是訂閱就能觀看。

So you can keep up with the trends of all the great shows without spending all the money.

不需要花那麼多的錢，你也能夠跟上節目潮流。

All right, the next category that you don't need to spend money on is in the financial space, okay.

好，下一類非必需品是在金融方面。

Timeshares, oh, no, no, no.

分時度假，噢噢絕對不行。

The average timeshare will cost you around $19,000, plus you have annual fees every year, and they're basically impossible to get rid of.

分時度假平均會花你大約一萬九千美金，況且還有根本躲不掉的年費。

People are always wanting out of timeshares, and they can't get out.

很多人都想擺脫分時度假，卻難以脫身。

Now if you're stuck in a timeshare and you really want to get out, there's an amazing company that will help you: Timeshare Exit.

如果你正好深陷其中二期很想擺脫，有家很棒的公司可以幫你：Timeshare Exit。

So I'll put a link in the show notes to link to them, so make sure to check them out.

我在底下附上連結，記得去看一下。

Also in the financial category is whole life insurance.

還有就是終身壽險。

We talk about life insurance on here a lot, but it's just true. Whole life insurance is going to cost you 10 times more than term life.

我們在這裡談過很多次終身壽險了，但事實真是如此。終身壽險的費用比定期壽險要貴上十倍。

Get it out of here.

擺脫掉它吧。

Extended warranties. Research shows that if you need a repair on an appliance, the majority of the time, it is even outside the warranty time.

保固期延長。研究顯示大多時候東西等到需要維修時，早已超過保固期。

So save that average $126 people usually spend on the extended warranty. Put it back in your pocket.

所以省下人們通常花在保固期延長上的 126 美金吧。把錢放回口袋。

Last but not least in this category is the lottery.

最後一點，樂透。

Yes, the average American spends $223 a year on the lottery, which equals $80 billion overall.

沒錯，平均每位美國人年花 223 美金在樂透上，總和等於 800 億美金。

And we all know the stats about the chances that you're going to win the lottery.

我們都知道中樂透的機率如何。

Okay, it's not gonna happen.

認了吧，不可能的。

Let's just throw it out there. It's not gonna happen.

錢就這樣撒出去了。美事卻總不成。

So save your money there.

所以省下這筆錢吧！

And the last category you don't need to spend money on is when it comes to clothes and fashion.

最後一類非必需品，衣服和時尚。

The average American spends $3,000 a year on clothes.

平均每位美國人一年花 3000 美金在服飾。

I mean, how many times have you walked into your full closet and said, "Oh, I just don't have anything to wear?"

想想你有多少次打開全滿的衣櫃如然後心想：噢，我怎麼沒什麼好穿的？

Yeah, it happens to me. I'm guilty of that.

沒錯，我也會這樣想。我有愧於心。

But you know what it comes back to?

但你知道事實是怎樣嗎？

It's not that you don't have anything to wear.

你並不是真的沒東西好穿。

Obviously you do, but it's a heart issue.

你顯然有很多，所以問題出在心態。

It's a contentment issue.

關乎知足與否。

And so contentment is a huge part of this money message, you guys, and so we put together a special bundle for this episode that pairs my "Contentment Journal" with my book "Love Your Life, Not Theirs," because they pair so well together.

所以要想省錢知足很重要，大夥們，為了這集我推出包含《知足日誌》及《愛自己的生活，而非他人的》的套組，這兩個很適合搭配。

And again, it gets you in this place of practicing contentment.

最後一樣將你帶回到學習知足的課題。

So you can check that out if you click the link in the show notes.

你可以點擊下方連結了解更多。