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财富的智慧

Wealth Wisdom | Brian Tracy

大家好 我是布莱恩·崔西
Hello, I’m Brian Tracy.
今天 我想和你们谈谈 如何像我们大多数人一样
And today, I wanna talk to you
在无需任何东西的情况下学习
about studying with nothing as most of us do,
并在一生中慢慢获得财富上的成功
and becoming financially successful over the course of your life time.
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积累财富是一次旅行
Building wealth is a journey.
就像大多数旅行一样 你开始得越早
And like most journeys, the sooner you start,
你就会走得越远
the further you’ll go.
因此 用你的退休积蓄
Therefore, with your saving for retirement to
供孩子上大学或者
put your kids through college or
实现完成其他目标 尽早开始很重要
to achieve any other goal, it’s important to start as early as possible.
因为有太多因素影响着你的财富 以及你创造财富的能力
Because so many factors affect your wealth, and your ability to create it.
你需要制作一个清晰 详细的财富计划
You need to be in by coming up with a clear, detail financial plan,
根据你的抱负 家庭规模和其他因素
The specific path you take will vary,
你采取的具体方式会有所不同
based on your ambitions, your family size and any other factors.
积累财富的每个计划都必须包括这些事
Every plan for building wealth must contain these things.
1.你必须有一个增加收入的目标
1. You must have a goal to increase your income.
钱是赚出来的 不是省出来的
You can’t save money unless you make money,
积累财富的第一步就是赚取高收入
so the first step in building wealth is to earn a high income.
这需要你比普通人工作更长时间
And this requires that you earn and you work more hours than the average person.
普通人 也就是 一周工作40小时的人
The average person, they say, works 40 hours a week.
但如果你不算午餐和咖啡时间
But if you take away a lunch and coffee breaks,
不算聊天和社交时间
and you take away chitchat and socializing,
平均每人每周工作16至18小时
the average person works about 16 to 18 hours a week,
大部分时间都是被浪费或消耗掉了
waste or burn off most of the time.
成功人士平均每周工作59个小时
Successful people work an average of 59 hours a week,
他们几乎所有的时间都在工作
and they work all the time they work.
现在 正规教育只是培养技能过程的一部分
Now formal education is only part of the process of building skills.
你在自己的领域中得到的实践经验同样重要
It is equally important to gain practical experience in your field,
因为你的能力能让所有重要的事取得结果
because all that matters is your ability to get results.
如果有人为你付钱 只有实践经验能使你能够得到结果
And only practical experience enables you to get results, if people will pay you for.
所以 开始在早期工作
So begin working at an early age,
为每一个你效劳的老板尽力做好工作
and do as good a job as possible for every employer you work for.
记得拉尔夫·瓦尔多·爱默生说过
Remember Ralph Waldo Emerson said,
如果你为一个不领情的老板工作 工作加倍努力
if you work for an ungrateful employer, work twice as hard.
因为你不是在为他工作 而是为了在以后的生活中取得巨大的成功
Because you’re not working for him, you’re working to build the character you will need,
去努力塑造你所需要的性格
to be a great success later in life.
即使你还在学校
Even if you’re still in school,
你可能会通过实习获得工作经验
you may be able to gain work experience through an internship,
或研究员职位 或兼职工作
or a fellowship or a part-time job.
如果你能在追求这些机会的同时获得课程学分
Such opportunities are especially valuable,
那么这些机会就特别有价值
if you can get course credit while pursuing them.
因此 根据你的抱负和技能
So depending upon your ambitions and skills,
找到一份工作可能是你长期财富的巨大投资
finding a business may be a great investment in your long-term wealth.
几乎所有的事业都是由一个人在餐桌旁创立的
Almost all business are started at the kitchen table by one person,
有时候两个人
and sometimes two.
比如 苹果
Look at Apple,
有史蒂夫·乔布斯和史蒂夫·沃兹尼亚克
started by Steve Jobs and Steve Wozniak.
比如惠普公司 它从帕洛阿尔托的一个车库起家
Look at Hewlett-Packard Co., starts in a garage in Palo Alto.
比如 微软
Look at Microsoft,
由比尔·盖茨和他的伙伴创建
started by Bill Gates and his partner.
几乎所有公司都是有一个或两个人创建
Almost all of them were started by one or two people.
所以当你在短期内亏钱的时候
So while you lose money in the short run,
如果你了解这个行业 并经营得很好
if you understand the industry and run your business well, it will eventually
最终它会成为你最大的资产之一
become one of your greatest assets.
知识 技能
Knowledge and skill, knowledge and skill,
是成功的关键
are the keys to your success.
大多数成功人士慢慢地看着自己收入的增加
Most professionals see their incomes increase over time.
如果你能在早期取得高收入
Thus if you can achieve high earnings at an early stage,
你可能在之后的事业里赚得更多
you’re likely to make even more later on in your career.
其次 你必须能够储蓄和投资
Next, you must be able to save and invest.
这和赚钱同样重要
As important as it is to earn large amounts of money,
唯一的财富就是 你保存的这些收入所赚到的一个可观百分比
the only build wealth, if you save a sizeable percentage of those earnings,
比如10% 15% 然后20%
like10, and then 15, and then 20 percent.
现在如果你的老板提供了401k 计划
Now if your employer offers a 401k plan,
全力奉献 投入尽可能多的钱
maximize your contribution, put as much money in as you possibly can.
这就很合适
They will match.
同样地 把薪水的一大部分作为积蓄
Likewise, set up your paycheck to send a large portion of your money to your savings,
或 自动投资帐户
or investment accounts automatically.
自动扣款可以使你变富有
Automatic deductions can make you rich,
而不是先拿钱兑换支票
rather than giving you a chance to spend it first
给自己一个花钱的机会
by taking the money and cashing the check.
你的钱越多地直接用于储蓄和投资
The more your money goes directly to savings and investments,
你就会越少地考虑消费
the less of it you’ll think about spending.
除非你打算经常搬家
Unless you plan to move frequently,
否则买房是积累财富的最好方法之一
purchasing a home is one of the best ways to build wealth.
无论如何 你都得支付住房费用
You’ll have to pay for housing, anyway,
但与租房不同的是
but unlike with renting,
你可以以抵押房产的形式收回房款
you’ll get your house payments back in the form of equity.
买房也有相当大的税收优惠
There’re also sizable tax benefits to buying a home.
现在还房贷会消耗你的一大部分收入
Now interest on debts can consume a large portion of your income,
所以你有必要尽可能快地
so it makes sence to pay off
还清你所欠的任何债务
anything you owe as quickly as possible.
你想做的最重要的事情之一就是还清债务
one of the most important things you want to do is get out of debt.
你唯一想要欠的债务是使收入大于支出的债务
The only type of debt you want to have is debt that more than pays for itself.
你有一套房 有抵押贷款
You own a house. You have a mortgage.
你欠了房贷
You have a debt on the mortgage,
但是租金支付超过了房贷
but the rental payments more than pay for the mortgage,
并给你一个正的现金流
and give you a positive cash flow.
这就是唯一一种你愿意欠的债
This is the only kind of debt you want.
你越快付清欠款 你就欠更少的利息
The more quickly you pay down the principal, the less interest you will owe.
减少债务的总体花费
Reducing your total spending on debt service,
除了尽可能地省钱之外
besides maximizing the amount of money you save,
还要确保最大化积蓄利息
make sure to maximize the interest you earn on those savings.
投资资产和项目的收益越高
The higher the yield of your investment assets and accounts,
以后你的积蓄存储就会越快
the faster your money will grow compounding your savings over time.
最终 削减奢侈开支
Finally, cut wasteful spending.
随着收入在你的职业生涯里的增长
As income rises throughout your career,
同时假设花费不增加的话
you’ll have the opportunity to devote an ever larger percentage of your money
你就有机会把一大部分钱
to savings and investment,
用于积蓄和投资
provided your spending doesn’t rise at the same time.
找寻省钱的方法很重要
It’s important to look for ways to save.
在更多可持续性科技里提高隔绝和投资
By improving insulation and investing in more sustainable technology.
为了家庭和汽车
For your home and car,
你可以减少花费在电气上的钱
you can reduce the amount of money you spend on electricity and gas.
屋主通常会为1000个管道付费
Homeowners often pay for 1000 channels
但实际只看了4个或5个
but only end up watching 4 or 5.
考虑从有线供应商处单个购买管道
Consider buying channels individully from your cable provider,
单个管道的价格可能更高
the cost per channel may be higher,
但总体花费会更低
but your total spending will be lower.
假如你会使用买的任何一个东西的话
Bulk purchases are cheaper in the long run than individual purchases
成批购买长期来看比单个购买便宜
provided you use everything that you buy.
几乎每个人都会在生活中都至少会有些奢侈购买
Almost everyone makes at least some wasteful purchases in their life.
所以要定期地评估你的消费
So be periodically evaluating your spending,
寻找积蓄来源
and looking for sources of savings.
然后你才能减少浪费 最大化地省钱
You can then cut down on this waste and maximize the amount of money you keep.
在我们结束之前 我想要留给大家一个
So before we wrap up, l’d like to leave you with a thought:
可以分享给亲朋好友的想法
to share with your friends and followers.
“伟大的财富成就是数百次甚至数千次
“Great financial achievement is an accumulation of hundreds, and even
别人未曾看到亦或欣赏的
thousands of small efforts that no one
努力的积累”
ever sees or appreciates.”
没有快速或容易变富有的方法
There’s no quick or easy way to become rich.
现在我想要听听你的信息 所以今天的问题是
Now I’d like to hear from you, so my question today is this:
你会花费大量时间在生活的哪一部分?
What areas of your life are you spending too much time in?
你能做些什么?
What can you do about it?
在下方留下评论 我会继续参与到互动中来的
Leave a comment below and I’ll be sure to follow up with you.
感谢收看 记住
Thanks for watching, and remember
如果你想改变未来
if you want to change your future,
立马行动 现在就行动
take action, and take action now
如果你喜欢该视频
If you enioy this video,
觉得它在教给你如何变得富有方面很有价值
and fell it was valuable in teaching you about how to build wealth,
订阅我的频道
subscribe to my channel,
点赞该视频
like this video,
把视频分享给朋友
and share this video with your friends.
不要忘记点击视频上领取免费礼物的按钮
Don’t forget to chick the button on the screen for a free gift.
再次感谢收看
Thanks again for watching.

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视频概述

如何积累财富 节省不必要开支 加大投资

听录译者

Group

翻译译者

Lost.

审核员

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视频来源

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

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