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简单几步,实现财富自由 – 译学馆
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简单几步,实现财富自由

Simple Steps to Financial Freedom

You may have heard that money doesn’t buy happiness
你可能听过 钱买不到幸福
and the person that told you
告诉你这个道理的人
that probably had a lot of money,
可能很有钱
but they aren’t exactly wrong.
但是他们的说法不完全错误
I think what’s closer to the
我认为这种说法更贴近事实
truth is having money’s not everything
有钱并不是一切
not having it is.
但是没有钱就会失去一切
Kanye West said that.
这句话是坎耶·韦斯特说的
And while I don’t always take financial advice from rappers,
我并不总会采纳纸上谈兵的人的理财建议
Kanye’s got a pretty good point.
坎耶的一个观点非常好
When you don’t have money it becomes the source
没有钱
of a lot of pain, frustration, and anger.
是一切痛苦 沮丧和气愤的源头
It consumes your life and becomes the lens with which you see the world. “Hey,
它消耗着你的生命 让你带着这样的有色眼镜看待世界
how much did that cost?””Oh, that must’ve been expensive.” “Hey,
“嘿 那个多少钱呀?” “哦 那肯定很贵”
I think you owe me 20 bucks.
“我想你欠我20美元
You can… you can pay me later. That’s…
你可以 可以之后还给我
Venmo?”
那是venmo吗?”
When we don’t have it, every problem seems to revolve around money.
当你没有钱的时候 所有的问题似乎都围绕着钱
And while being rich won’t fix every problem in your life,
虽然有钱并不能解决生活中的所有问题
stacking up some money seems like a worthwhile pursuit.
但是攒些钱似乎值得一试
When you become financially free,
当你经济独立了
you will no longer make every decision solely based on money.
你就不需要基于钱来做每一个决定了
You don’t take the job just because it pays better,
你不会仅仅因为一份工作工资高 就接受这份工作
you don’t have to look at the price
你不需要去看有机食品的价格
of organic groceries to make sure you can afford them, hell,
来确认自己能支付得起
you can take Uber Black to the airport
有时你可以
…every once in awhile.
做豪华轿车去机场
Imagine being at a place where you never had to worry about money again.
想象这样一个地方 在这里 你不需要再为钱而忧心
And maybe not even that far
这个地方可能并不那么远
Imagine a place where money wasn’t the major stressor
想象一个地方 在这里
in your life and on your relationships.
钱不是生活和伙伴关系中最主要的压力
The steps to get there are simple,
到那里的步骤很简单
but it’s not gon na happen overnight.
但是不会仅一个晚上就发生
So let’s get started.
现在让我们开始吧
Step one: create an emergency fund.
步骤1: 设立应急基金
Save a thousand dollars and put it
攒1000美元
into an emergency fund that you’ll only use in dire circumstances.
将它放入一个应急账户中 只在紧急情况下使用
I remember reading a story from Dave Ramsey
我记得 读过戴夫 拉姆齐的一个故事
from someone who literally put their emergency fund
他真的将应急基金存放在一个框中
inside a frame with the words”break glass in case of emergency.”
上面写着”紧急情况下打碎玻璃”
Hold up though.
指挂起来
Emergencies don’t include beer money, vacations,
紧急情况不包括 买酒钱 度假
or even an engagement ring.
甚至是订婚戒指
It’s a… it’s a minimalist ring.
这是一个极简的戒指
This money should only be used if, and when,
这个钱应该在
shit hits the fan.
遇到麻烦的时候使用
When your car breaks down, when you need
比如车坏了
to replace your water heater, basically when your
需要换热水器
life would otherwise become completely derailed,
总的来说 就是如果不解决的话 生活会完全脱轨
that’s when you go to the emergency fund.
这个时候 就可以去使用应急基金了
Why create an emergency fund?
为什么要创建应急基金呢
Because everything that can go wrong, will go wrong
因为一切可能会出错的事情 确实会出岔子
and instead of borrowing money from your family again,
这个时候你要有可以依赖的东西
or pulling out your credit card, pushing yourself further into debt,
而不是再次向家人借钱
you’ll have something to fall back on.
或者用信用卡 让自己背负更多的债务
The great thing about the emergency fund is
应急基金好的地方在于
that it starts to give you that feeling of financial freedom.
它会给你一种财富自由的感觉
For the first time maybe in your adult life,
可能在你的成年生活中
you have some room to breathe.
第一次有呼吸的空间
This step is the quickest way to finally
这一步是最快
start to gain some control back in your life.
获得生活控制权的方式
Step two: pay off your debt.
步骤2: 还清贷款
About 80 % of American adults are
大约80%的美国成年人都背负债务
in debt and we’ve just accepted this as the status quo.
我们也已经接受这一现状
Maybe we bought shit we didn’t
可能我们买了不需要的东西
need to furnish an apartment we couldn’t afford,
去用来装修我们负担不起的公寓
or purchased a new car when we could’ve bought used.
或者我们本可以买一个二手车 但是却买了一个新车
For me, one of the biggest problem
我觉得 债务最大的一个问题是
with debt is that it restricts your monthly income.
它限制了你每月的收入
So when you’re paying five to seven hundred dollars, even more
当你要还500到700 甚至更多的
on your mortgage, student loans, your car payment
房贷 助学贷款以及车贷
it severely restricts the amount of money you can save.
这极大地限制了你存钱的额度
The other thing I’ll say is
我要说的另一件事是
that you’re gon na be saving thousands of dollars
如果你能更快还清贷款
in interest if you’re able to pay off your loans quicker.
你将会省下几千美元的利息
Forget about cutting back on your daily lattes,
不要再想着削减用于喝咖啡的日常开销了
this is where you’re gon na take the biggest step toward financial freedom.
快速还清贷款才是通往财富自由最重要的一步
Let’s say you have a hundred thousand dollars in student loans
假设 你有1000元的助学贷款
at a 5 percent interest for a twenty year term
贷款20年 5%的利率
if you only pay the minimum
如果你每月只还最低还款额
for the entire period of the loan,
还满20年
you’ll end up giving the bank over a hundred and fifty eight thousand dollars.
你最终要给银行158000美元
This kinda feels like an emergency.
这有点儿像是一个紧急情况
So what’s the best way to pay off your debt early?
那么早点还清贷款 最快的方法是什么呢
There are a couple takes on how to do this.
有几个能早点还清贷款的方法
You could tackle the high interest loans first.
你可以先解决掉高额利息
Each loan is a different amount with a different interest rate.
每一次贷款的贷款额都是不同的 利率也不同
By the numbers,
从额度上来说
the smartest decision is to attack the highest interest rate first,
最聪明的决定是 先解决最高的利息率
then take them out one by one.
然后一个一个还清
Another option is called”The Debt Snowball.”
另一个方法叫”债务雪球”
It takes into account human behavior.
它将人类行为考虑进去了
By tackling the smallest loan first,
先还最少的贷款
we’re able to knock it out quicker,
我们能更快的还清一个贷款
which helps build momentum and motivates us to pay off other loans.
这样让我们有动力还清其他的贷款
So when I first got really serious
当我开始严肃对待
about paying off my debt early
早日还清贷款这件事的时候
I brought everything and organized it into a spreadsheet like this.
我把所有的信息都写入到这样的电子表格中
I would log in a couple times a
我会一周登录几次
week sometimes I would log in every single day
有时每天都会登录进去
and just visualize what it would be
只是看一下 一些贷款还清户
like to pay off some of these loans.
会是什么样子
And I would just delete them,
我会像疯子
one by one, like a madman,
得了妄想症的人一样
like somebody who’s completely delusional,
一个一个将它们删除
and I would keep an eye on my monthly payments
我会关注我每月的支出
because I knew that if I could get them
因为我知道 如果我的支持足够低
low enough, then I’d be able to move
我就可以
out of my parents’ house.
搬出我父母的家了
So this is what drove me.
它给了我动力
I started to have hope again.
我又开始充满希望
I started to feel
我感觉
like there was a light at the end of the tunnel
隧道的尽头就是光明
and I would actually eventually be able to pay all this off.
我最终能将贷款还清
Step three: create a runway.
第三步:创建一个轨道
What would it feel like to have six to twelve months
在你的银行账户中 总是有
worth of expenses in your bank account at all times?
你6到12个月花销的钱数 这是什么样的感觉?
Imagine the kind of freedom and stability you’d have
想象一下这种自由以及稳定
knowing that if you ever got injured, lost your job,
要知道 如果你受伤了 失去工作
or you couldn’t find anymore clients, that
或者你找不到更多的客户
you’d be taken care of for the foreseeable future.
你可以预见的将来 你依然能照顾好自己
This is why having runway is so important.
这就是有规划重要的原因
Open up a spreadsheet and take account of all your monthly expenses. Rent,
打开一个电子表格 把花销也计算在内
groceries, internet, insurance, Netflix, your phone bill, etc.
房租 杂物费 网费 保险 Netflix服务费用 以及手机账单等等
So pulling all of this information
对我来说 将这些信息都写入到电子表格中
into my spreadsheet was an amazing way for me to start to see
是一个非常好的方式
what’s the absolute minimum that I needed to survive on?
可以用来查看 我最少需要多少钱能生存
And as a freelance filmmaker with my income varying widely,
作为一个收入波动很大的自由电影制作人
this was a really powerful number to have. Okay,
这真的是非常庞大的数字
now for some tough math.
现在开始一些复杂数学计算吧
Multiply that number by six months to get your first target runway goal.
用那个数字乘6个月 得到你的一个目标
The next goal after that would be to get twelve months of runway.
接下来的目标是第十二个月的
This number now becomes your baseline;
现在这个数字就是你的底线
it’s like an extended emergency fund.
就像是一个无限扩大的应急基金
Except I wouldn’t put twenty two thousand dollars
但是我不会把22000美元
in a frame above your bed,
放在床头的框架中
I think the bank might be a little bit safer.
我认为放在银行可能会更安全点
Step four: start a retirement fund.
步骤四: 存退休金
Retirement funds are one of those things that you know you should do,
你知道存退休金是你应该做的事情之一
but you haven’t done yet,
但是你还没有存
but eventually you’ll get to it, but you probably never will.
最终你会用到它的 但是也有可能永远也用不到
Retirement funds are those things that your friends talk about sometimes
你的朋友们有时会讨论退休金的问题
and whenever they do you just smile and nod,
只要他们在谈论这件事 你就只是微笑点头
but really you’re thinking,”fuck you, Brian, you’re a piece of shit. I don’t care what your stocks are,”
但是实际上你在心里想 “布莱恩 你个混蛋 我不关心你有多少资本”
and then you think to yourself,”what’s a 401k I’m gonna look that up.”
然后暗自思衬 “401K是什么 我去查查”
Personal finance is often about making short-term sacrifices for long-term gain.
个人理财 经常是做短期的牺牲 来获取长期收益
By saving a little bit each year you’ll
每年攒一点钱
be able to set yourself up for a dignified retirement. First,
能够让你自己在退休的时候很体面
compound interest is the shit, and here’s why:
首先 复利就是这样 下面是原因
So you have a lot of money,
你有很多钱
like you have ten thousand dollars,
比如说 你有10000美元
and then over the course of a year,
然后过了一年
that money is making money because you’re investing it into stocks and stuff
钱又生钱 因为把钱投资到股票和不动产上
and then you have more money
然后在年底
at the end of the year
你就会有更多的钱
so then the next year you’re making more money on top
下一年 你就会在这个基础上赚更多的钱
of that money and then that money’s making even more money
甚至会比上一年更多
and then the next year you’re making even more money.
然后第二年 你又会赚更多的钱
I’m just gon na do a quick illustration so it’s not as confusing.
我只是做一个快速的示例 没有那么难懂
Say you put ten thousand dollars into a 401k
假设你将10000美元存到401k中
receiving a ten percent annual return at the age of twenty
20岁的时候 拿到总回报的10%
if you never touch that money
如果你在70岁前
until you turn seventy years old
一直不动这笔钱
you’ll have over 1.1 million dollars in the bank
那么只需存10000美元
all that from simply putting away ten thousand dollars.
你就可以在银行中有超过1100000美元的存款
Use a compound interest calculator online to see
使用网上的复利计算机可以看到
how much you could retire with based on your yearly savings. Alright,
基于每年的存款 退休的时候能有多少钱
so for me personally, I invest at Vanguard vanguard.com,
对于我来说 我在vanguard.com上做了投资
I invest primarily in low-cost mutual funds
只投资了低成本的共同基金
about ninety percent stocks, ten percent bonds.
90%的股票 以及10%的债券
Now I chose this fund because it’s essentially a snapshot of the U.S. economy.
现在我选择了这项基金 因为它基本上就是美国经济的快照
So since 1923 when the S&P started
自1923年S&P成立起
it has produced a return of around ten to twelve percent,
产生了大约10%到12%的回报率
and that’s basically what this fund is giving me.
我从这项基金中得到的也基本是如此
Now that’s over the long run,
现在我们从长远来看
we’re not talking about a five year period.
而不只是5年期
So when you invest in the long run
当你长期投资的时候
you’re not checking your Vanguard account every day,
你不会每天或者隔天
every other day,
就检查你的Vanguard账户
you’re putting your money in,
将钱存进去后
you’re making sure you have everything set,
确保一切就绪
and then you’re checking it maybe
然后你可能会6个月后 甚至一年后
in six months, maybe in a year
检查一下账户余额
but you’re not stressing out every time that the stock market’s shaky.
不过这样当每次股市动荡的时候 你也不会压力太大
When 2008 hit, a lot of people lost money,
当2008年金融危机出现 很多人都损失了钱
but if you’re investing in the long term,
但是如果你长期投资
that’s not gon na matter at all,
那根本没有什么影响
because in thirty years, you’re gonna eventually make your money back.
因为30年后 你最终还是会将钱都拿回来
Now there are many many variables
现在有很多很多的补丁因素
that will factor into your own investment strategy,
影响着你的投资策略
like your age, your income,
比如你的年纪 收入
how much money you’ll think you’ll need when you retire,
你认为退休时需要多少钱
how much risk you’re willing to tolerate.
你愿意忍受多大的风险
Please do your research before investing.
请在投资前做好研究
I’m not your financial manager, investor, or fiduciary.
我不是你的财务经理 投资者 也不是受托人
Read up and make a decision based on your life circumstances.
研读政策 并根据你的生活环境来做决定
This is not a definitive blueprint.
这不是一个最终的方案
If you’re a freelancer and you can’t stomach that much risk,
如果你是一个自由制片人 你不能承受太大的风险
or you’d feel safer
或者说 你要感到安全
if you had five thousand dollars emergency fund from the very beginning,
如果最开始 你有5000美元的应急基金
then do that.
然后一直保持
Or maybe you can actually handle the extra risk
或者实际上 你能承受额外的风险
and you decide,”I don’t wanna build six months of runway, I wanna actually start investing in my future
并决定 “我不想只设定6个月的目标 我想从现在开始
and my retirement right now.” Then do that.
投资我的未来以及我的退休金” 然后根据目标采取相应的措施
I personally liked the idea of paying off my debt first,
我个人喜欢先还清贷款
and then moving to my retirement fund,
然后投资退休金
but for a lot of people
但是对于大部分人来说
if you’re not able to pay off your debt that quickly,
如果你不能很快还清贷款
you may want to actually start your retirement fund now,
你可能现在就想要开始创建退休基金
especially if you have a 401k-match with your company
尤其是对于已经有和公司匹配的401k计划的人
because then you’re gon na be able to take advantage of the compound interest.
因为这样你就可以获得复利
I wouldn’t have been able to pay off my debt
如果不是读了 像:
if it wasn’t for reading books like
Dave Ramsey的《全部货币化》
Dave Ramsey’s”Total Money Makeover”
还有Ramit Sethi的《我来教你致富》
or Ramit Sethi’s”I Will Teach You to be Rich.”
我还换不清我的贷款
I recommend reading one personal finance book a year,
推荐每年读一本个人理财类书籍
or listen to one of a hundred podcasts on the topic.
或者听关于财经的100个博客之一
This will help you rest your priorities every year
这样每年都会帮助你明确优先要做的事情是什么
as we can sometimes get distracted by shiny objects.
因为有的时候 我们可能会被小的事情分心
Once you’ve got a solid emergency fund, pay off
一旦你有了固定的应急基金
your debt, padding your bank account with runway,
还清贷款 之后一步一步的充实银行账户
and you’ve got your retirement fund started,
开始存退休金了
you’re on your way to financial freedom,
你就在走向财富自由的路上了
and it won’t take finishing your retirement fund to finally realize
不会出现 存完退休金了
that having money’s not everything.
发现钱不是万能的
Is this an awkward time to ask for money?
要钱的时候是不是很尴尬呢
As you guys know, if you watch my channel a lot,
如果你总看我的频道 你会知道
I usually end my videos with a Patreon pitch.
我一般会以Patreon pitch结束我的视频
It’s how I’m able to make these videos ad-free,
这也是为什么 我能够让这些视频免广告
but before I do that today, I wanna be very clear,
但是今天 在那之前 我想说清楚
if you do not have the money,
如果你没有钱
if you are trying to pay off your debt,
在尽力还清贷款
and you’re trying to cut down as many expenses as possible,
尽可能缩减花销
if you feel stressed out about buying a cup of coffee,
甚至买杯咖啡都觉得很焦虑
please please please please please do not contribute to my Patreon
那请不要为我的patreon做贡献
this is not reverse psychology or anything,
这不是逆向心理学或者是其他的什么
I truly want you guys to kick ass,
我真的想让你们很了不起
I want you to do amazing stuff,
想让你们做了不起的事
and I want you to not feel stressed out about money,
我想让你们不要因钱而焦虑
and I don’t want you to make bad decisions with your money.
不想让你们在经济上做错误的决定
That said, if you do have the money,
也就是说 如果你确实有钱
if you do… if you feel so inclined
如果你确实有这样的想法
and you’re feeling great about it,
你感觉这件事情很好
I would love it if you would consider contributing to my Patreon account.
那么如果你想给我的Patreon账户打赏 我会很高兴
I’ve been working my ass
我必会尽心尽力
off to try to make really great videos
全力以赴做出好的视频
and extra podcast episodes to add value to you guys,
另外 我还有博客集 来提供有价值的东西
so these are some of the things that you can get from it.
你能从这个视频中得到一些有价值的东西
If you wan na support my
如果你想支持我的频道
channel I’ve set up a Patreon account,
我创建了一个patreon账户
but I’m not just asking for your money.
但是我不只是向你们要钱
I’ve created tiers that get you access to content like
我是创建了一个平台 让你们访问
my Patreon-only AMA podcast,
在我的patreon平台上才能访问的美国医学协会博客
and I also make videos on minimalism, filmmaking, and business.
我也会做关于简约主义 电影制片和商务有关的视频
Learn things like how to grow an audience,
了解如何培养受众
or how to tell a great story through film.
或者如何通过电影讲述一个伟大的故事
As always, thank you guys so much for watching,
还是一如既往地感谢你们观看我的视频
and I will see you next time.
我们下次见

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视频概述

视频介绍了 实现财富自由的步骤 先还清贷款 之后存养老金 还介绍了美国的401k政策

听录译者

收集自网络

翻译译者

ID385818

审核员

审核员SX

视频来源

https://www.youtube.com/watch?v=ATDYLTnGJV0

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