【商业思维】赚钱心理学 · The Psychology o
共 3 集
剧集目录
| 集 | 标题 | 时长 |
|---|---|---|
| P1 | 【商业思维】赚钱心理学 · The Psychology o | 18:52 |
| P2 | 【商业思维】赚钱心理学 · The Psychology o | 18:52 |
| P3 | 【商业思维】赚钱心理学 · The Psychology o | 18:52 |
P1 · 【商业思维】赚钱心理学 · The Psychology of Making Money p01 中英字幕 (P1)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | The single greatest skill that separates broke people from wealthy people is not intelligence | 唯一能把富人和富人分开的 最伟大的技能不是智力 |
| 0:05 | or luck. | 或运气。 |
| 0:06 | It is mastering the psychology of money. | 它正在掌握金钱的心理学。 |
| 0:08 | I went from being 100 pounds overweight, broke, arrested six times, to building companies | 我从100磅超重,破门而入,抓了6次,到建设公司 |
| 0:12 | worth hundreds of billions of dollars, and it is not because I am special, I am no different | 价值上千亿美元 并不是因为我特别,我没什么不同 |
| 0:15 | from you, it is because I stopped letting my broke mindset run my actual life. | 是因为我不再让我破碎的心态 支配我真实的生活 |
| 0:20 | So if you want to build real wealth, you need to break free from these six limiting beliefs | 因此,如果你想建立真正的财富, 你需要打破这六个限制信仰 |
| 0:25 | that are keeping you broke. | 让你破产。 |
| 0:26 | The first limiting belief or system of beliefs that is keeping you poor is what I call the | 第一个限制你贫穷的信仰或信仰体系就是 我所说的 |
| 0:31 | money script. | 钱脚本。 |
展开字幕全文（410 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | The single greatest skill that separates broke people from wealthy people is not intelligence | 唯一能把富人和富人分开的 最伟大的技能不是智力 |
| 2 | or luck. | 或运气。 |
| 3 | It is mastering the psychology of money. | 它正在掌握金钱的心理学。 |
| 4 | I went from being 100 pounds overweight, broke, arrested six times, to building companies | 我从100磅超重,破门而入,抓了6次,到建设公司 |
| 5 | worth hundreds of billions of dollars, and it is not because I am special, I am no different | 价值上千亿美元 并不是因为我特别,我没什么不同 |
| 6 | from you, it is because I stopped letting my broke mindset run my actual life. | 是因为我不再让我破碎的心态 支配我真实的生活 |
| 7 | So if you want to build real wealth, you need to break free from these six limiting beliefs | 因此,如果你想建立真正的财富, 你需要打破这六个限制信仰 |
| 8 | that are keeping you broke. | 让你破产。 |
| 9 | The first limiting belief or system of beliefs that is keeping you poor is what I call the | 第一个限制你贫穷的信仰或信仰体系就是 我所说的 |
| 10 | money script. | 钱脚本。 |
| 11 | Every financial decision that you make, what job you take, how much you charge, how guilty | 你所做的每一笔财务决定,你做什么工作,你收取多少费用,有多有罪 |
| 12 | you feel spending a certain amount of money, is all controlled by this subconscious script | 你感觉花一定的钱, 都由这个潜意识的剧本控制 |
| 13 | that you probably didn't even write yourself. | 你可能甚至没有写自己。 |
| 14 | And this is actual science. | 这是真正的科学。 |
| 15 | There's research by financial psychologists that talk about the four types of money scripts | 有金融心理学家的研究 谈论四种类型的钱脚本 |
| 16 | that predict financial behavior. | 预测金融行为 |
| 17 | And these scripts are actually formed in childhood before you're even conscious enough to understand | 这些剧本其实是在童年时期形成的 之前你还没有意识到 |
| 18 | what money is. | 钱是什么? |
| 19 | As I go through each of these, I want you to think about which one you unconsciously | 我每一次都这样,我希望你 想想哪个你无意识地 |
| 20 | follow yourself. | 跟着你 |
| 21 | I will tell you what I am at the end, or at least how I grew up. | 我会告诉你我到底是什么 或者至少我是如何长大的 |
| 22 | Okay, the first one is a money avoider. | 好吧,第一个是避钱者。 |
| 23 | These people believe that money is bad and that they don't deserve it, okay? | 这些人相信钱是坏的 他们不值得,好吗? |
| 24 | They will sabotage their own success, they often work in helping professions that have | 他们会破坏他们自己的成功 他们经常帮助那些有 |
| 25 | very low pay, and they feel guilty about wanting to have money. | 工资很低, 他们觉得内疚 想要钱。 |
| 26 | So if you grew up hearing people say, rich people are greedy, money is the root of all | 所以,如果你长大了 听人们说, 富人贪婪, 钱是一切的根源 |
| 27 | evil. | 邪恶 |
| 28 | That's probably the script that you have in your head. | 可能是你脑子里的剧本 |
| 29 | Now on the other hand, we also have money worshipers, okay? | 另一方面,我们也有 钱崇拜者,好吗? |
| 30 | So if you're a money worshiper, you believe that money will solve all your problems and | 所以,如果你是一个钱的崇拜者, 你相信钱会解决你的所有问题和 |
| 31 | bring you happiness. | 给你带来幸福。 |
| 32 | Okay, so a money worshiper, they chase money obsessively, but they never feel like they | 好吧,所以一个钱的崇拜者, 他们追逐钱 强迫,但他们从来没有感觉像他们 |
| 33 | have enough. | 够了 |
| 34 | They hoard, they prioritize work over relationships, always believing that a certain amount of | 他们囤积,他们优先考虑工作 而不是关系,总是相信一定数量 |
| 35 | more money is going to bring them happiness. | 更多的钱会给他们带来幸福 |
| 36 | Oh, I just haven't made enough yet, I need to make a million dollars. | 我只是还没赚到足够的钱 我需要赚一百万 |
| 37 | Now it's 10 million, now it's 100 million in order to be happy. | 今为一千万,今为一亿,以图欢喜. |
| 38 | Now there's the money status script. | 现在有钱状况剧本。 |
| 39 | People who suffer from the money status script tie their self-worth to their net worth. | 受金钱状况剧本折磨的人把自己的自我价值与净值挂钩. |
| 40 | They overspend because they want to keep up appearances, hide their finances, even from | 因为他们想保持外表 隐藏自己的财务 甚至从 |
| 41 | like spouses if it's not what they think it should be, and they feel anxious when other | 喜欢配偶,如果这不是 他们认为应该是, 他们感到焦虑 当其他 |
| 42 | people are wealthier than them. | 人们比他们更富有。 |
| 43 | So it's like the typical keeping up with the Joneses, like you're looking in the yard | 所以,这就像典型的跟 琼斯夫妇,就像你在看 院子里 |
| 44 | of your neighbor and you're like, dude, I need to have a better yard than him. | 你的邻居和你一样,伙计, 我需要有一个比他更好的院子。 |
| 45 | Research shows that this script is actually linked to lower well-being and increased unhappiness. | 研究表明,这个剧本实际上与较低的福利和增加的不幸福联系在一起. |
| 46 | Now why is that? | 为什么? |
| 47 | Because you're constantly comparing yourself, right? | 因为你一直在比较自己 对吧? |
| 48 | The last one is money vigilant people. | 最后一个是钱警惕的人。 |
| 49 | Okay, these are people who are chronic savers, who live below their means, but they experience | 好吧,这些人是慢性储蓄者, 他们生活在自己的收入以下, |
| 50 | constant anxiety about their financial future. | 总是担心他们的金融前途 |
| 51 | They're usually secretive about money, they never feel secure, even when they have plenty. | 他们通常对钱很隐秘,他们从不觉得安全,即使他们有钱. |
| 52 | So I want you to think about, of those four, you might be a mix of a couple of them, but | 所以,我想你想想,在这四个人中, 你可能是一个混合 他们中的几个,但 |
| 53 | think about the one that you identify with the most. | 想想你最认同的那个 |
| 54 | Think about how it affected you growing up. | 想想它如何影响你长大。 |
| 55 | So when I went through these, I was like, I definitely identify the most with money | 所以当我通过这些,我就像, 我肯定识别最用钱 |
| 56 | vigilant, which probably sounds weird because you're looking at me and you're like, I see | 注意,这听起来可能很奇怪 因为你看着我,你喜欢,我明白了 |
| 57 | jewelry and I see makeup and hair and all this. | 珠宝,我看到化妆,头发和这一切。 |
| 58 | I'm going to be really honest with you guys, I spend nothing compared to how much money | 我要对你们说实话,我不用花多少钱 |
| 59 | I have, to the degree that when I had $100 million net worth, I didn't even want to spend | 我甚至连一亿美金都不想花 |
| 60 | over a couple million dollars on the house. | 超过两百万美金的房子。 |
| 61 | In fact, I rented for three years at that point in my life and didn't even own a home. | 事实上,我租了三年 那时,我甚至没有房子。 |
| 62 | And that is because it's the constant anxiety of like never feeling secure, even when you | 那是因为你总是担心 感觉永远没有安全感 |
| 63 | have plenty. | 有很多钱 |
| 64 | So Alex actually knows this about me, which is a terrible habit, but when I feel like | 所以,亚历克斯实际上知道 关于我, 这是一个可怕的习惯, 但当我感觉 |
| 65 | I'm not making as much money or less profit for a couple months, even though it affects | 几个月来我赚不到那么多钱或少赚多少钱 虽然这影响 |
| 66 | nothing about my personal life because I don't even take money from my business, I just start | 没有关于我的个人生活,因为我甚至不 从我的生意拿钱,我只是开始 |
| 67 | to spend less money. | 以少花钱。 |
| 68 | I don't look at things. | 我不看东西。 |
| 69 | I don't buy stuff. | 我不买东西。 |
| 70 | I tell them, I'm like, don't buy that. | 我告诉他们,我一样,不要相信。 |
| 71 | What are we doing? | 我们在做什么? |
| 72 | I tell my whole assistant team, I'm like, ah, we don't need that. | 我告诉全队的助理,我们不需要 |
| 73 | No, let's cut here. | 不,让我们在这里切。 |
| 74 | Let's go through our finances and cut stuff that we don't need. | 让我们通过我们的财政 削减我们不需要的东西。 |
| 75 | I realized it was a pattern that I had in my past that I was bringing into my current | 我意识到,这是我过去的一个模式, 我带进我现在 |
| 76 | day life that wasn't serving me. | 生活不为我服务 |
| 77 | And so something I tried to start doing the last few times that's happened, where I've | 所以,我试图开始做一些事情 过去的几次发生,我在那里 |
| 78 | just felt that urge to spend less money, I go spend more money. | 只是觉得要少花钱的冲动,我去花更多的钱。 |
| 79 | It's probably a worse behavior, but it's telling my brain, like, listen, you're going to listen | 这可能是一个更糟糕的行为, 但是它告诉我的大脑一样, 听着,你要去听 |
| 80 | to me. | 对我来说。 |
| 81 | This is irrational. | 这是不合理的。 |
| 82 | I'm not going to listen to you. | 我不会听你的 |
| 83 | And so I will spend money, even when I have that impulse not to, to teach myself it's | 所以我会花钱, 即使我有这种冲动不这样做, 教自己,这是 |
| 84 | Because the evidence shows it is. | 因为有证据表明是的 |
| 85 | And whatever's happening in my brain has nothing to do with what's happening on the outside. | 我脑中发生的一切 都与外界发生的一切无关 |
| 86 | So here's what I want you to do. | 所以我要你这么做 |
| 87 | I want you to think about the phrases that you heard growing up. | 我要你考虑一下 你听到的成长的词句 |
| 88 | Maybe it's, you know, one money doesn't grow on trees, be grateful for what you have, rich | 也许,你知道,一钱 不生长在树上, 感激你所拥有的,富有 |
| 89 | people are greedy. | 人们很贪婪 |
| 90 | Okay, those things are not lessons. | 好吧,那些东西不是教训。 |
| 91 | They're other people's thoughts that you took on. | 他们是别人的想法 你接受。 |
| 92 | And so once they get written into your subconscious, then they start dictating everything about | 所以一旦他们被写进你的潜意识, 然后他们开始描述所有关于 |
| 93 | ネ | |
| 94 | What jobs you take, how much money you charge, what you believe you deserve, how much money | 你拿什么工作,你收取多少钱,你认为你应得的,多少钱 |
| 95 | you spend, when you should be anxious versus excited about spending money. | 你花,当你应该 焦急和兴奋 花钱。 |
| 96 | So here's how we want to rewire our brains to think about money differently. | 因此,我们想重新调整我们的大脑, 以不同的方式思考金钱。 |
| 97 | Write down your earliest memory about money. | 写下你最早的记忆 关于钱。 |
| 98 | What did your parents say about it? | 你父母怎么说的? |
| 99 | How did they behave with it? | 他们怎么处理的? |
| 100 | That's probably your money script. | 这可能是你的钱剧本。 |
| 101 | And once you see it, you can rewrite it. | 一旦看到它,你可以重写它。 |
| 102 | And so your new script, for example, could be money is a tool that lets me create freedom | 所以,你的新剧本,比如说, 可能是钱是一个工具 让我创造自由 |
| 103 | and help more people. | 并且帮助更多的人。 |
| 104 | Once you change that internal script, your external results will start to update. | 一旦修改了内部脚本,你的外部结果就会开始更新. |
| 105 | It takes a lot of the emotion out of it. | 这需要很多的情感 从它。 |
| 106 | And once you associate positive feelings with that new narrative, you start to actually | 一旦你把积极的感情 与新的叙述联系起来, 你开始实际上 |
| 107 | see that your behaviors align with it more. | 看你的行为更符合它。 |
| 108 | The next limiting belief keeping you poor is what we call a wealth ceiling. | 下一个限制你贫穷的信念 就是我们所说的财富上限 |
| 109 | Here's the truth about it. | 现此真言. |
| 110 | You will sabotage, say it's a $200,000 opportunity, if you still see yourself as somebody who | 你会破坏,说这是一个20万美元的机会, 如果你仍然认为自己是一个 |
| 111 | only pursues a $50,000 opportunity. | 只有5万美元的机会 |
| 112 | Now why is that? | 为什么? |
| 113 | The amount of money that you have is capped by how you see yourself. | 你拥有的金钱 被你对自己的看法所压抑 |
| 114 | Just like the partner that you have, just like the job that you have, just like the | 就像你的搭档一样 就像你的工作一样 |
| 115 | house that you live in. | 房子,你住在这里。 |
| 116 | The research on this is very clear. | 这方面的研究非常清楚。 |
| 117 | Your self-concept acts as a thermostat. | 你的自我概念是自动调温器 |
| 118 | If you see yourself as somebody who earns $100,000, you'll unconsciously strive to | 如果你把自己看成挣10万美元的人 你会无意识地努力 |
| 119 | maintain that level, right? | 保持这个水平,对不对? |
| 120 | And you will not pursue a level above it. | 你将不追求任何水平。 |
| 121 | That's a really important piece. | 这是一个非常重要的作品。 |
| 122 | Now if you make $150,000, you'll probably spend an additional $50,000. | 如果你赚了15万美元,你可能还要多花5万美元。 |
| 123 | If you make $80,000, you'll stress and work until you're back at the $100,000. | 如果你赚了8万元,你就会紧张,工作到10万元才回来. |
| 124 | See what I'm saying? | 明白我的意思了吗? |
| 125 | So for me, for years, I was, I'm scrappy, I'm surviving, I'm getting by. | 因此,对我来说, 多年来,我是, 我是废品, 我活下来, 我得到了。 |
| 126 | And I remember because I got stuck when I was in my first job, making around $85,000 | 我记得是因为我第一次工作时被困住了 赚了八万五千元 |
| 127 | a year, it was like, I created this identity around it. | 一年,就像, 我创造了这个身份围绕它。 |
| 128 | I knew logically that I could make more, but one, I remember the moment I started making | 我从逻辑上知道我可以做更多 但我记得我开始做 |
| 129 | more, I started to compete and then all my money started going towards competition fees. | 更多,我开始竞争,然后我所有的钱 开始向竞争收费。 |
| 130 | The second piece is that I remember so many times when I knew I was about to start making | 第二段是,我记得这么多次 当我知道我即将开始制作 |
| 131 | more, it's like I would almost sabotage myself by getting wound up in it. | 更何况,我几乎会破坏自己 通过结束它。 |
| 132 | I was like, oh my God, what if I f*** up? | 我就像,哦,我的上帝, 如果我f***起来? |
| 133 | What if I mess up? | 如果我搞砸了怎么办? |
| 134 | What if I don't actually make more? | 如果我真的不赚更多呢? |
| 135 | And I didn't realize at the time that that was like me regulating my internal temperature. | 我当时并没意识到 这就像我调节我的内部温度。 |
| 136 | And so if your identity is, I'm somebody who struggles with money, you find ways to | 所以如果你的身份是,我是一个 与金钱斗争的人,你找到方法 |
| 137 | keep struggling. | 继续挣扎 |
| 138 | But if it's, I'm someone who creates and manages my wealth and can make more money | 但是如果是这样的话,我是创造和管理我财富 赚更多钱的人 |
| 139 | if I choose to, then you're going to find a way to live that out. | 如果我选择了,那么你会找到一种方法 来维持下去。 |
| 140 | So here's how you change this. | 这就是你如何改变这一切。 |
| 141 | Okay? | 好吗? |
| 142 | I want you to write this down. | 我要你记下来 |
| 143 | I'm the kind of person who, and then finish the sentence honestly, whatever your current | 我是那种人 谁,然后完成 句子诚实,不管你现在 |
| 144 | financial identity is. | 财务身份是。 |
| 145 | I overspend. | 我过头了 |
| 146 | I underspend. | 我花钱不够 |
| 147 | I save too much. | 我省了太多钱了 |
| 148 | I save nothing. | 我什么也没有省 |
| 149 | Then I want you to put a line down that piece of paper on the other side, right? | 然后,我要你把一条线 在另一边的纸,对不对? |
| 150 | I'm the kind of person who builds and manages wealth with ease. | 我是那种轻松地建立和管理财富的人. |
| 151 | You don't need to feel like that person yet. | 你不需要感觉 像那个人呢。 |
| 152 | You don't need to act like them just yet. | 你不需要像他们那样 |
| 153 | I just want you to actually write it down and not be repulsed by what you see on the | 我只是希望你写下来 而不是被你看到的所厌恶 |
| 154 | piece of paper. | 一张纸。 |
| 155 | I'm serious. | 我是认真的。 |
| 156 | Every time you now make a decision for money, I want you to pull up that piece of paper. | 每次你为钱做决定时 我要你拿出那张纸 |
| 157 | That's all I want you to do right now. | 这就是我想要你做的 现在。 |
| 158 | And the thing is, is that the moment that your self image expands, because you're constantly | 问题是,当你的自我形象膨胀的时候, 因为你不断地 |
| 159 | reading that, reminding yourself of it, writing a new sentence to put in your brain, your | 写一句新的句子 写进你的大脑 |
| 160 | income is going to follow that. | 收入将随之而来。 |
| 161 | The next limiting belief people have is thinking that they should buy liabilities instead of | 下一个限制 信仰的人认为 他们应该买 负债而不是 |
| 162 | assets. | 资产。 |
| 163 | Maybe just not even knowing the difference. | 也许只是不知道 区别。 |
| 164 | You were programmed to consume, not to build things, and that's why a lot of people stay | 你被编程 消费,不是建造的东西, 这就是为什么很多人留下来 |
| 165 | broke. | 破产了。 |
| 166 | Okay, Robert Kiyosaki, he wrote Rich Dad Poor Dad, one of the first books I read on money. | 好吧,罗伯特・清崎, 他写了里奇爸爸 可怜的爸爸,最早的书之一 我读关于钱。 |
| 167 | He put it very simply. | 他说得非常简单 |
| 168 | He said the rich buy assets, the middle class buys liabilities thinking they are assets. | 他说富人买资产,中产阶级买负债以为是资产. |
| 169 | Wealth is actually fairly simple. | 财富其实很简单。 |
| 170 | There are two categories, assets, liabilities. | 资产,负债有两类. |
| 171 | An asset puts money in your pocket, a liability takes money out of your pocket. | 资产把钱放在你的口袋里 负债把钱从你的口袋里拿走 |
| 172 | And a lot of people spend their entire lives buying liabilities and wondering why they | 很多人花一辈子时间 买债 想知道为什么 |
| 173 | can't get ahead. | 无法前进。 |
| 174 | They ask, can I afford this instead of will this pay me back? | 他们问,我能买得起吗 而不是这个能还我钱吗? |
| 175 | What's my return on this? | 我有什么回报? |
| 176 | Now how do you know the difference between an asset and a liability? | 你怎么知道资产和负债的区别? |
| 177 | I'll break it down in the most common cases that you probably can relate to. | 我会在最普通的案例中 分解出来 你可能可以联系到的 |
| 178 | Your car, liability, okay, loses value immediately. | 你的车,责任,好,马上失去价值 |
| 179 | Has insurance, which is bulls**t, gas, maintenance, happens to it all the time. | 有保险,即公牛**t, 煤气,维护, 它总是发生。 |
| 180 | Your house you live in, liability. | 你住的房子,责任。 |
| 181 | I know this is very controversial, but it's true. | 我知道这是非常有争议的,但这是真的。 |
| 182 | You have a mortgage, property tax, insurance, repairs, it doesn't generate income. | 你有抵押贷款,财产税,保险,修理, 它不产生收入。 |
| 183 | The next one, a course that teaches you a skill, asset. | 下一门课 教你技能 资产 |
| 184 | Now how does that an asset? | 那又怎样? |
| 185 | Because it pays you back through increased income because you've invested in your skills. | 因为它通过增加收入还给你 因为你已经投资你的技能。 |
| 186 | A rental property, an asset, it generates monthly income, a designer handbag, sadly | 租房 资产 每月创收 设计师手提包 |
| 187 | a liability, okay, loses value over time, doesn't generate any income. | 负债,好吧, 损失价值随着时间, 不产生任何收入。 |
| 188 | I've had that discussion with Alex before. | 我以前和亚历克斯讨论过 |
| 189 | Equipment for your business, that is an asset if it helps you generate more revenue. | 业务设备,如果有助于你创造更多的收入,那就是资产。 |
| 190 | It's a liability if you don't use it, it just sits there. | 不使用它是一种责任,它只是坐在那里。 |
| 191 | So when I started filtering all my purchases through that, is this an asset or a liability? | 所以当我开始过滤 我的所有购买 通过,这是资产还是负债? |
| 192 | My wealth compounded because I realized, I was like, my money, if I don't put it into | 我的财富更复杂 因为我意识到 如果我不投入 |
| 193 | either of these things, actually it's just liability. | 不管是哪一种 都只是责任 |
| 194 | Money sitting in the bank, it's just deteriorating over time. | 钱在银行里,它只是 恶化的时间。 |
| 195 | So my money actually can become a liability if I don't do something with it. | 所以如果我不做点什么 我的钱实际上会变成负债 |
| 196 | And that's when I really started learning how to invest in things that create money, | 那时我开始学习如何投资创造金钱的东西 |
| 197 | in skills that create money, in learning that creates money, and in assets for my business | 创造金钱的技巧 创造金钱的学习 以及用于我生意的资产 |
| 198 | that create money. | 这创造了钱。 |
| 199 | Here's how you can start spending on what matters, okay? | 这就是你如何开始花费 在什么重要,好吗? |
| 200 | I want you to look at the last 10 purchases that you made and then next to each one, simply | 我要你看看最后的10个 购买,然后每一个,简单 |
| 201 | write asset or liability and be honest with yourself. | 写资产或负债,并对自己诚实。 |
| 202 | And then all I want you to do is just commit the next time that you buy something to just | 然后,我要你做的只是承诺 下次你买东西只是为了 |
| 203 | ask yourself, is this a liability or an asset? | 你问自己,这是负债还是资产? |
| 204 | Does it put money in my pocket eventually or does it take money out of my pocket? | 它最终会把钱放在我的口袋里 还是会把钱从我的口袋里拿走? |
| 205 | The next limiting belief is one of the hardest ones to break. | 下一个限制信仰是难以打破的信仰之一. |
| 206 | I know this because I still find myself breaking it on a continuous basis in the weirdest ways, | 我知道这一点,因为我仍然发现自己 不断打破它 在最奇怪的方式, |
| 207 | but that is the scarcity mindset. | 但这就是稀缺的心态。 |
| 208 | Okay, this sounds crazy, but having a scarcity mindset actually can make you dumber. | 好吧,这听起来很疯狂, 但有一个稀缺的心态 实际上可以让你更蠢。 |
| 209 | Here's the truth. | 这是事实 |
| 210 | You either operate from scarcity or abundance. | 你要么从稀缺 或丰富的。 |
| 211 | And I don't want you to feel bad here because as humans, we are supposed to operate from | 我不希望你在这里感到难过 因为作为人类,我们应该从 |
| 212 | Which one you choose to lean towards and train yourself into will determine how much money | 你选择靠哪一个 自己训练,会决定多少钱 |
| 213 | you make. | 你来做。 |
| 214 | The scarcity brain really just says, there's never enough. | 缺乏的大脑真的说, 永远不够。 |
| 215 | I need to protect what I have. | 我要保护我所拥有的一切 |
| 216 | I need more. | 我需要更多东西。 |
| 217 | You know, if that person has more, it means less for me. | 你知道,如果那个人有更多的, 这意味着我更少。 |
| 218 | Think about what that meant like a thousand years ago meant like somebody else has all | 想想那意味着什么 一千年前,意味着像别人有所有 |
| 219 | the berries and you're like, I need more berries because I need berries to feed my children | 浆果和你一样, 我需要更多的浆果 因为我需要浆果来喂我的孩子 |
| 220 | in my pack. | 在我的包内。 |
| 221 | And like, you're trying to get their berries because you're like, oh, you can't, there's | 你试图得到他们的浆果 因为你喜欢,哦,你不能,有 |
| 222 | only a certain number of berries and I need to make sure I get them and not you. | 我只需要一定数量的浆果 我需要确保得到它们,而不是你。 |
| 223 | Because what if my family dies? | 如果我的家人死了怎么办? |
| 224 | That's how your brain's working, except it's working and thinking those thoughts about | 你的大脑就是这样工作的, 除了它的工作和思考这些想法 |
| 225 | something that is not finite. | 一些没有限度的东西 |
| 226 | It's something that's infinite. | 谓之无穷. |
| 227 | There's money being made every day. | 每天都在赚钱 |
| 228 | Scarcity actually changes your brain the more that you give into it. | 恐惧实际上改变你的大脑 越多。 |
| 229 | When you perceive resources as scarce that are not like money, your cognitive bandwidth | 当你觉得资源稀缺 不像钱,你的认知带宽 |
| 230 | shrinks. | 心理医生 |
| 231 | Okay, you make worse decisions. | 好吧,你做出更糟糕的决定。 |
| 232 | You can't plan long term and you only focus on immediate value. | 你无法长期规划,只注重眼前的价值. |
| 233 | So we need to reprogram these thoughts. | 所以我们需要重新规划这些想法。 |
| 234 | People with a scarcity mindset, they hoard money. | 思想匮乏的人会积蓄钱财 |
| 235 | They don't invest their money, right? | 他们不投资他们的钱,对不对? |
| 236 | They're only thinking short term, got to survive, right? | 他们只是在思考短期, 必须生存,对不对? |
| 237 | And they see every opportunity as a threat. | 他们把每一个机会都视为一种威胁。 |
| 238 | If you can tap into training yourself to have an abundant mindset, everything will change | 如果你能利用训练 拥有丰富的思维, 一切都会改变 |
| 239 | for you. | 给你的 |
| 240 | Okay, abundance mindsets, they say there's always more to create. | 好吧,丰富的思维, 他们说总是有更多的创造。 |
| 241 | I can afford to invest. | 我有能力投资 |
| 242 | I can afford to give some berries to my neighbor. | 我可以给我邻居一些浆果 |
| 243 | I can take calculator risks because there are opportunities everywhere and it is not | 我可以承担计算风险 因为到处都有机会 而不是 |
| 244 | a finite resource. | a 有限资源。 |
| 245 | It is seeing the world and all of the things it has to offer as an infinite pie rather | 它看到世界 和所有的东西 它必须提供 作为无限馅饼 相反 |
| 246 | than a finite one. | 比一个有限的。 |
| 247 | So for me, for example, when I operated from scarcity, I was terrified to spend money on | 因此,对我来说,比如,当我运行 从稀缺, 我害怕花钱 |
| 248 | things that made my life better, made me better, made my business better. | 使我的生活更美好, 使我更好, 使我的生意更好。 |
| 249 | Because I felt like, what if, what if I never make money again? | 因为我觉得,如果, 如果我不再赚钱呢? |
| 250 | What if it stops coming? | 如果它停止来了呢? |
| 251 | What if something changes? | 如果有什么变化呢? |
| 252 | Especially in the first few years of business, I want to say the first three, it was really | 特别是在头几年的生意里 我想说前三年 |
| 253 | hard for me to get out of that habit. | 我很难摆脱这种习惯。 |
| 254 | And then the shift actually really happened when I realized money is almost infinite nowadays. | 那时的转变真的发生了 当我意识到现在的钱几乎是无限的。 |
| 255 | Okay, but it is renewable skills, relationships, opportunities, those things compound. | 好吧,但它是可再生的技能, 关系,机会, 这些东西复合。 |
| 256 | And so the more that I invest into myself and the more and I invest in my business and | 所以,我投资越多 对自己,我投资我的生意, |
| 257 | the more and I invest in my life, the more I get back tenfold. | 投资我的生活, 我得到的十倍。 |
| 258 | And I realized that I needed to train myself out of that habit. | 我意识到,我需要 训练自己摆脱这种习惯。 |
| 259 | So I'll tell you the first thing I did. | 所以,我告诉你 我所做的第一件事。 |
| 260 | I hired a coach that was $40,000 a month when we were literally making $50,000 a month. | 我雇了一位教练,每月40 000美元 当我们每月赚5万美元。 |
| 261 | And my scarcity brain was like, oh my God, you just started making this money. | 我的大脑稀缺,就像,哦,我的上帝, 你刚刚开始 赚钱。 |
| 262 | You're going to go broke. | 你会破产的 |
| 263 | What if it stops tomorrow? | 如果明天就停了怎么办? |
| 264 | My abundant brain was like, well, you made $10,000 a month, then $30,000 a month, now | 我丰富的大脑就像,嗯,你每月赚一万美元,然后每月3万美元,现在 |
| 265 | $40,000. | 4万块 |
| 266 | You're going to be like, next month, you're probably going to make $100,000. | 你下个月可能会赚到10万美元 |
| 267 | And this skill is going to help you make even more. | 这种技巧会帮助你赚更多钱。 |
| 268 | And so I said, you know what? | 所以我说,你知道吗? |
| 269 | I have to just ignore that voice. | 我不得不忽略那个声音 |
| 270 | I'm not going to listen to it. | 不听其说. |
| 271 | I can have those thoughts. | 我可以有这些想法。 |
| 272 | I don't need to listen to them and follow their directions. | 我不需要听他们的话 也不必听他们的 |
| 273 | I can go with this one instead. | 我可以用这个代替。 |
| 274 | And the cool thing is that that coach that I hired that was $40,000 a month was the reason | 很酷的是,我雇的那个教练 一个月40 000美元是原因 |
| 275 | I was able to scale one of my companies to the degree I did, which then I was able to | 我能够把一个公司 提升到我的水平,然后我就可以 |
| 276 | sell the company for tens of millions of dollars. | 卖公司几千万美元。 |
| 277 | I'm sure you're thinking, okay, but how do you build an abundant mindset? | 我敢肯定,你在想什么, 好吧,但你如何建立 一个丰富的心态? |
| 278 | Okay, here's what I want you to do. | 好吧,这就是我要你做的。 |
| 279 | One is just become aware of when you make decisions from fear versus from possibility. | 一个人只是意识到 当你从恐惧和可能性做决定时 |
| 280 | Okay, when you think, I can't afford this, I want you to reframe it, how could I afford | 好吧,当你想,我买不起这个, 我要你重塑它,我怎么能买得起 |
| 281 | this? | 这个? |
| 282 | Simplest thing you can do. | 你能做的最简单 |
| 283 | The moment you stop asking yourself, how do I protect what I have? | 你不再问自己的时候 我该怎么保护我拥有的东西? |
| 284 | And you start asking yourself, how do I create more of what I have? | 你开始问自己, 我如何创造更多我拥有的东西? |
| 285 | That's when you start asking, let's say, like higher level intelligence questions and you | 当你开始问,让我们说, 像高级情报问题和你 |
| 286 | stop sabotaging your finances. | 停止破坏你的财务。 |
| 287 | And that's the thing I realized for myself, I was like, oh, I talk to myself like I'm | 这是我意识到的,我自己, 我很喜欢,哦,我说话自己喜欢我 |
| 288 | even when I was, had a lot of money, to be honest, and it wasn't until I realized that | 老实说,我那时有很多钱 直到我意识到 |
| 289 | that I was like really able to step into that next realm where I was like, I'm giving into | 我好像真的能够 踏入下一个领域 在那里我像,我放弃 |
| 290 | like the survival mechanism that exists in all of us humans, rather than retraining myself | 而不是自我再训练 |
| 291 | into this abundance mindset. | 进入这种丰富的心态。 |
| 292 | The next step we have is loss aversion. | 我们下一步就是厌倦了 |
| 293 | Okay, I want to define this for y'all. | 好吧 我想给大家下定义 |
| 294 | Loss aversion is why you keep losing investments, avoiding risk, and basically staying stuck | 失去厌恶是为什么你继续失去投资 避免风险 基本上坚持住 |
| 295 | where you are. | 你在哪,你现在在哪? |
| 296 | Because if you want to break this limiting belief, I want you to listen closely what | 因为如果你想打破这种限制信仰 我希望你仔细听 |
| 297 | I'm about to explain. | 我要解释一下 |
| 298 | There was a winning research by, it was like Daniel Kahneman and some guy named Amos, okay? | 有一个成功的研究, 它就像丹尼尔·卡恩曼 和一个叫阿莫斯的人,好吗? |
| 299 | And it showed that the pain of losing $100 is psychologically twice as powerful as the | 这表明失去100美元的痛苦 在心理上比 |
| 300 | pleasure of gaining $100. | 很高兴能赚到100美元 |
| 301 | Losing feels twice as bad as winning feels. | 失败的感觉是胜利的两倍 |
| 302 | This is why as humans, we hold losing stocks, you know, hoping that they're going to recover | 这就是为什么作为人类,我们持有 失去的股票,你知道,希望 他们会恢复 |
| 303 | instead of just cutting our losses. | 而不是仅仅减少我们的损失。 |
| 304 | We stay in dead end jobs. | 我们继续做死活 |
| 305 | We stay in bad relationships. | 我们的关系不好 |
| 306 | We don't negotiate salaries. | 我们不谈判薪水。 |
| 307 | We avoid investing because the fear of loss outweighs the potential gain. | 我们避免投资,因为担心损失大于潜在收益。 |
| 308 | So for me, for example, I stayed in a terrible job for probably two years longer than I should | 举例来说,对于我来说, 我在一个可怕的工作里呆了两年 可能比我应该呆的要长两年 |
| 309 | have because I felt like if I ended it, I was losing. | 因为我觉得如果我结束它, 我输了。 |
| 310 | But the funny thing is like staying in that job cost me way more. | 但有趣的是 留在那份工作让我付出了更大的代价 |
| 311 | It was like money, mental energy, mental health, who knows how many years off my life, because | 这就像钱, 精神能量, 心理健康, 谁知道多少年了我的生活,因为 |
| 312 | the fear of loss was bigger than the logic of leaving. | 失去的恐惧比离开的逻辑要大 |
| 313 | Your brain is designed to protect what you have, not to pursue what you could have. | 你的大脑是为了保护你所拥有的,而不是追求你可能拥有的东西. |
| 314 | And that is why most people never actually take risks to build well. | 这就是为什么大多数人从不 冒风险建设好。 |
| 315 | And then they say, oh, there's something wrong with me. | 然后他们说,哦,我有问题。 |
| 316 | I feel like what if I lose? | 我觉得如果我输了怎么办? |
| 317 | I'm like, there's nothing wrong with you. | 我好像,你没有问题 |
| 318 | You're a human. | 你是一个人类。 |
| 319 | I don't know how many times I have to say this. | 我不知道我要说多少遍 |
| 320 | Like, we're all wired this way. | 喜欢,我们都有线 这样。 |
| 321 | I'm wired this way. | 我用这条线 |
| 322 | You're wired this way. | 这边有线 |
| 323 | If I can do it, you can do it. | 如果我能做到这一点,你可以做到这一点。 |
| 324 | I promise, okay? | 我保证,好吗? |
| 325 | So here's how you break that cycle. | 这就是你如何打破循环。 |
| 326 | You need to reframe every loss as tuition. | 你需要把每笔损失都重新定义为学费。 |
| 327 | If you lost $50,000 on a business venture, Abundance is going to say, you paid $50,000 | 如果你在生意上输了5万元 丰盛会说 你付了5万元 |
| 328 | for an education that will make you millions. | 为了教育, 会让你数百万。 |
| 329 | When I changed that frame for myself, the loss stopped controlling me. | 当我自己换了那个框时 损失就不再控制我了 |
| 330 | In fact, recently I had a business decision and there was, you know, about a three million | 事实上,最近我有一个商业决定, 而且有,你知道,大约300万 |
| 331 | dollar delta between what somebody was saying something was and somebody else was saying | 美元三角洲在别人说的东西 别人说 |
| 332 | something was. | 东西是。 |
| 333 | And I ended up just going and agreeing with this person because I said, I think this is | 我最后还是同意了这个人 因为我说,我认为这是 |
| 334 | the right way forward. | 正确的前进方向。 |
| 335 | And I think that I actually should have defined terms earlier in the relationship to make | 而且我认为,实际上我应该 更早地定义 术语在关系 |
| 336 | it more clear. | 更清楚一点 |
| 337 | I hadn't done that. | 我没有那么做 |
| 338 | And so, you know, when I was telling the story about this, it was just a week ago, I said, | 所以,你知道,当我讲这个故事的时候, 这只是一个星期前,我说, |
| 339 | yeah, I paid $3 million to learn this lesson. | 是的,我花了300万美元来吸取教训。 |
| 340 | And you know what? | 你知道吗? |
| 341 | I would pay $3 million again to learn that lesson. | 我会再付三百万来吸取教训 |
| 342 | The last limiting belief might be the most important one to break. | 最后一个限制信仰可能是最重要的。 |
| 343 | And this is what we call the time trap. | 这就是我们所谓的时间陷阱。 |
| 344 | Most people spend their entire lives trying to save money. | 大多数人一生都在努力省钱. |
| 345 | And that is what keeps them from making money, ironically. | 讽刺的是,这就是阻止他们赚钱的原因。 |
| 346 | They forget that money multiplies. | 他们忘记了金钱的倍增。 |
| 347 | But time doesn't multiply, okay? | 但时间不会增加,好吗? |
| 348 | And that is why you want to save time instead of saving money. | 这就是为什么你想节省时间而不是节省钱。 |
| 349 | So here's what I mean. | 所以,这就是我的意思。 |
| 350 | If you make $100 an hour, doing anything worth less than $100 an hour is costing you money. | 如果你每小时赚100美元, 做任何价值不到100美元 每小时的费用。 |
| 351 | So if you spend two hours cleaning your house, instead of hiring someone $50, you didn't | 所以,如果你花两个小时清理你的房子, 而不是雇用一个人50美元,你没有 |
| 352 | save $50, you lost $150 because two hours at $100 minus the $50 you didn't pay. | 省了50美元 你损失了150美元 因为两个小时的100美元减去你没有支付的50美元 |
| 353 | Wealthy people understand this. | 有钱人明白这一点。 |
| 354 | They buy time. | 他们赢得时间。 |
| 355 | They hire assistants, meal prep services, housekeepers, not because they're lazy, but | 他们雇助理 餐饮服务 管家 不是因为他们懒惰 |
| 356 | because their time is worth more. | 因为他们的时间更值钱 |
| 357 | They put it elsewhere. | 他们把它放在别处。 |
| 358 | And guess what? | 你猜怎么着? |
| 359 | I didn't just do this now when I had a lot of money. | 我不只是在有钱的时候这么做的 |
| 360 | I did this when I first had barely any money. | 我做这个的时候,我第一次 几乎没有任何钱。 |
| 361 | The first thing I hired was an assistant. | 我雇的第一件事是助理 |
| 362 | When I was barely had enough money to hire six people for my team, I hired an assistant | 当我没有足够钱为我的团队雇用六人时 我雇了一个助手 |
| 363 | because I said, you know what? | 因为我说,你知道吗? |
| 364 | This is what rich people do. | 有钱人就是这样的 |
| 365 | They hire people to get their time back. | 他们雇人找时间回去 |
| 366 | And if I have to like take care of this and that in the house, then like I'm not going | 如果我喜欢照顾这个 和那个在房子里, 那么像我不去 |
| 367 | to be making money. | 赚钱。 |
| 368 | And it was the best decision I ever made. | 这是我做过的最好的决定 |
| 369 | Whereas poor and middle class, they tend to sell time, right? | 而穷人和中产阶级往往会出卖时间,对吧? |
| 370 | They're trading hours for dollars and do everything themselves to save money and then | 他们以美元换取时间 自己尽力节省钱 然后 |
| 371 | wonder why they're not getting ahead. | 想知道为什么他们不提前。 |
| 372 | And so when I started filtering every decision through, does this buy me time or cost me | 所以当我开始过滤 每一个决定通过, 这是否给我时间或花费我 |
| 373 | time? | 时间? |
| 374 | Everything changed. | 一切都变了 |
| 375 | I stopped doing the $10 an hour tasks, hired help, automated things, and I focused really | 我停止了每小时10美元的工作, 雇用了帮手,自动化的事情, 我专注于真正 |
| 376 | on the work that was, you know, say $1,000 an hour. | 说每小时1000美元 |
| 377 | And you can calculate how much money you make per hour by asking yourself, how much money | 你可以计算你每小时赚多少钱 问问你自己,多少钱 |
| 378 | do I make in a year and divided by how many hours a year there are. | 我一年能赚多少,每年有多少小时。 |
| 379 | That's it. | 就这样 |
| 380 | So like right now, I know how much I make per hour. | 所以现在,我知道我每小时赚多少钱。 |
| 381 | So then I'll ask myself, I even have it on one of my Asana cards for people. | 然后,我会问自己, 我甚至有它在我的一张Asana卡 为人们。 |
| 382 | I'll say, is this worth, you know, $50,000 for Layla to do this if it's going to take | 我要说,这是值得的,你知道,5万美元 莱拉这样做,如果它要 |
| 383 | an hour? | 一个小时? |
| 384 | Now, here's the thing. | 事情是这样的 |
| 385 | If you're able to do this, you will make more money in less time, which then you reinvest | 如果你能够做到这一点, 你会赚更多的钱 在更少的时间, 然后你再投资 |
| 386 | into more leverage. | 进入更多的杠杆。 |
| 387 | And then that leverage creates freedom for you because things that you have leverage | 然后这种杠杆为您创造自由 因为你有杠杆的东西 |
| 388 | on, they take less of your time and create money. | 他们少花点时间创造金钱 |
| 389 | They're how you get free. | 他们是你自由的方式 |
| 390 | Right? | 对吧? |
| 391 | So how do you get out of that trap? | 那你怎么摆脱这个陷阱? |
| 392 | Calculate your hourly rate, your annual income divided by 2000 work hours, then audit your | 计算小时工资,年收入除以2 000个工作小时,然后审计您 |
| 393 | time. | 时间。 |
| 394 | Ask yourself, how many things am I doing that are not worth this? | 问问你自己 我做了多少不值得做的事? |
| 395 | My favorite thing that somebody will do in one of my companies is they'll come to me | 我最喜欢的是我公司的人 会来找我 |
| 396 | and tell me that they're doing tasks that are not worth how much I'm paying them. | 并告诉我,他们做的 任务不值得我支付多少。 |
| 397 | My favorite thing in the world. | 我最喜欢的东西在世界上。 |
| 398 | I had someone do it recently. | 我最近让别人做了 |
| 399 | They said, look, how many hours I'm spending on admin tasks. | 他们说,你看,我花了多少小时 管理任务。 |
| 400 | And they had actually gone through their calendar for the last four weeks and they calculated | 他们过去四个星期的历程 他们计算 |
| 401 | it. | 这个 |
| 402 | And I was horrified by how much time and I immediately hired them assistant. | 我被多少时间吓坏了 我立刻就雇了他们的助手 |
| 403 | And they started literally three days ago. | 他们三天前就开始了 |
| 404 | That's all because anybody who thinks in terms of getting a good return, I'm going to hire | 这是因为任何想得到好回报的人 我都会雇你 |
| 405 | that person for somebody else as well. | 那个人也是为了别人 |
| 406 | So here's my challenge for you. | 所以,这是我给你的挑战。 |
| 407 | I want you to pick just one of the shifts from this video. | 我要你从这段视频中挑一个班 |
| 408 | And I want you to say, this is the one where I think I'm going to get the most gains. | 我想让你说,这是我想得到最多收益的地方。 |
| 409 | I'm going to start practicing this week. | 这周我要开始练习了 |
| 410 | And if you like this video, don't forget to check out my next one and subscribe. | 如果你喜欢这段视频, 别忘了检查我的下一张并订阅。 |
该视频共有字幕 410 条。解锁更多字幕为会员功能，请移动到 价格
P2 · 【商业思维】赚钱心理学 · The Psychology of Making Money p02 英文字幕 (P2)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | The single greatest skill that separates broke people from wealthy people is not intelligence | 唯一能把富人和富人分开的 最伟大的技能不是智力 |
| 0:05 | or luck. | 或运气。 |
| 0:06 | It is mastering the psychology of money. | 它正在掌握金钱的心理学。 |
| 0:08 | I went from being 100 pounds overweight, broke, arrested six times, to building companies | 我从100磅超重,破门而入,抓了6次,到建设公司 |
| 0:12 | worth hundreds of billions of dollars, and it is not because I am special, I am no different | 价值上千亿美元 并不是因为我特别,我没什么不同 |
| 0:15 | from you, it is because I stopped letting my broke mindset run my actual life. | 是因为我不再让我破碎的心态 支配我真实的生活 |
| 0:20 | So if you want to build real wealth, you need to break free from these six limiting beliefs | 因此,如果你想建立真正的财富, 你需要打破这六个限制信仰 |
| 0:25 | that are keeping you broke. | 让你破产。 |
| 0:26 | The first limiting belief or system of beliefs that is keeping you poor is what I call the | 第一个限制你贫穷的信仰或信仰体系就是 我所说的 |
| 0:31 | money script. | 钱脚本。 |
展开字幕全文（410 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | The single greatest skill that separates broke people from wealthy people is not intelligence | 唯一能把富人和富人分开的 最伟大的技能不是智力 |
| 2 | or luck. | 或运气。 |
| 3 | It is mastering the psychology of money. | 它正在掌握金钱的心理学。 |
| 4 | I went from being 100 pounds overweight, broke, arrested six times, to building companies | 我从100磅超重,破门而入,抓了6次,到建设公司 |
| 5 | worth hundreds of billions of dollars, and it is not because I am special, I am no different | 价值上千亿美元 并不是因为我特别,我没什么不同 |
| 6 | from you, it is because I stopped letting my broke mindset run my actual life. | 是因为我不再让我破碎的心态 支配我真实的生活 |
| 7 | So if you want to build real wealth, you need to break free from these six limiting beliefs | 因此,如果你想建立真正的财富, 你需要打破这六个限制信仰 |
| 8 | that are keeping you broke. | 让你破产。 |
| 9 | The first limiting belief or system of beliefs that is keeping you poor is what I call the | 第一个限制你贫穷的信仰或信仰体系就是 我所说的 |
| 10 | money script. | 钱脚本。 |
| 11 | Every financial decision that you make, what job you take, how much you charge, how guilty | 你所做的每一笔财务决定,你做什么工作,你收取多少费用,有多有罪 |
| 12 | you feel spending a certain amount of money, is all controlled by this subconscious script | 你感觉花一定的钱, 都由这个潜意识的剧本控制 |
| 13 | that you probably didn't even write yourself. | 你可能甚至没有写自己。 |
| 14 | And this is actual science. | 这是真正的科学。 |
| 15 | There's research by financial psychologists that talk about the four types of money scripts | 有金融心理学家的研究 谈论四种类型的钱脚本 |
| 16 | that predict financial behavior. | 预测金融行为 |
| 17 | And these scripts are actually formed in childhood before you're even conscious enough to understand | 这些剧本其实是在童年时期形成的 之前你还没有意识到 |
| 18 | what money is. | 钱是什么? |
| 19 | As I go through each of these, I want you to think about which one you unconsciously | 我每一次都这样,我希望你 想想哪个你无意识地 |
| 20 | follow yourself. | 跟着你 |
| 21 | I will tell you what I am at the end, or at least how I grew up. | 我会告诉你我到底是什么 或者至少我是如何长大的 |
| 22 | Okay, the first one is a money avoider. | 好吧,第一个是避钱者。 |
| 23 | These people believe that money is bad and that they don't deserve it, okay? | 这些人相信钱是坏的 他们不值得,好吗? |
| 24 | They will sabotage their own success, they often work in helping professions that have | 他们会破坏他们自己的成功 他们经常帮助那些有 |
| 25 | very low pay, and they feel guilty about wanting to have money. | 工资很低, 他们觉得内疚 想要钱。 |
| 26 | So if you grew up hearing people say, rich people are greedy, money is the root of all | 所以,如果你长大了 听人们说, 富人贪婪, 钱是一切的根源 |
| 27 | evil. | 邪恶 |
| 28 | That's probably the script that you have in your head. | 可能是你脑子里的剧本 |
| 29 | Now on the other hand, we also have money worshipers, okay? | 另一方面,我们也有 钱崇拜者,好吗? |
| 30 | So if you're a money worshiper, you believe that money will solve all your problems and | 所以,如果你是一个钱的崇拜者, 你相信钱会解决你的所有问题和 |
| 31 | bring you happiness. | 给你带来幸福。 |
| 32 | Okay, so a money worshiper, they chase money obsessively, but they never feel like they | 好吧,所以一个钱的崇拜者, 他们追逐钱 强迫,但他们从来没有感觉像他们 |
| 33 | have enough. | 够了 |
| 34 | They hoard, they prioritize work over relationships, always believing that a certain amount of | 他们囤积,他们优先考虑工作 而不是关系,总是相信一定数量 |
| 35 | more money is going to bring them happiness. | 更多的钱会给他们带来幸福 |
| 36 | Oh, I just haven't made enough yet, I need to make a million dollars. | 我只是还没赚到足够的钱 我需要赚一百万 |
| 37 | Now it's 10 million, now it's 100 million in order to be happy. | 今为一千万,今为一亿,以图欢喜. |
| 38 | Now there's the money status script. | 现在有钱状况剧本。 |
| 39 | People who suffer from the money status script tie their self-worth to their net worth. | 受金钱状况剧本折磨的人把自己的自我价值与净值挂钩. |
| 40 | They overspend because they want to keep up appearances, hide their finances, even from | 因为他们想保持外表 隐藏自己的财务 甚至从 |
| 41 | like spouses if it's not what they think it should be, and they feel anxious when other | 喜欢配偶,如果这不是 他们认为应该是, 他们感到焦虑 当其他 |
| 42 | people are wealthier than them. | 人们比他们更富有。 |
| 43 | So it's like the typical keeping up with the Joneses, like you're looking in the yard | 所以,这就像典型的跟 琼斯夫妇,就像你在看 院子里 |
| 44 | of your neighbor and you're like, dude, I need to have a better yard than him. | 你的邻居和你一样,伙计, 我需要有一个比他更好的院子。 |
| 45 | Research shows that this script is actually linked to lower well-being and increased unhappiness. | 研究表明,这个剧本实际上与较低的福利和增加的不幸福联系在一起. |
| 46 | Now why is that? | 为什么? |
| 47 | Because you're constantly comparing yourself, right? | 因为你一直在比较自己 对吧? |
| 48 | The last one is money vigilant people. | 最后一个是钱警惕的人。 |
| 49 | Okay, these are people who are chronic savers, who live below their means, but they experience | 好吧,这些人是慢性储蓄者, 他们生活在自己的收入以下, |
| 50 | constant anxiety about their financial future. | 总是担心他们的金融前途 |
| 51 | They're usually secretive about money, they never feel secure, even when they have plenty. | 他们通常对钱很隐秘,他们从不觉得安全,即使他们有钱. |
| 52 | So I want you to think about, of those four, you might be a mix of a couple of them, but | 所以,我想你想想,在这四个人中, 你可能是一个混合 他们中的几个,但 |
| 53 | think about the one that you identify with the most. | 想想你最认同的那个 |
| 54 | Think about how it affected you growing up. | 想想它如何影响你长大。 |
| 55 | So when I went through these, I was like, I definitely identify the most with money | 所以当我通过这些,我就像, 我肯定识别最用钱 |
| 56 | vigilant, which probably sounds weird because you're looking at me and you're like, I see | 注意,这听起来可能很奇怪 因为你看着我,你喜欢,我明白了 |
| 57 | jewelry and I see makeup and hair and all this. | 珠宝,我看到化妆,头发和这一切。 |
| 58 | I'm going to be really honest with you guys, I spend nothing compared to how much money | 我要对你们说实话,我不用花多少钱 |
| 59 | I have, to the degree that when I had $100 million net worth, I didn't even want to spend | 我甚至连一亿美金都不想花 |
| 60 | over a couple million dollars on the house. | 超过两百万美金的房子。 |
| 61 | In fact, I rented for three years at that point in my life and didn't even own a home. | 事实上,我租了三年 那时,我甚至没有房子。 |
| 62 | And that is because it's the constant anxiety of like never feeling secure, even when you | 那是因为你总是担心 感觉永远没有安全感 |
| 63 | have plenty. | 有很多钱 |
| 64 | So Alex actually knows this about me, which is a terrible habit, but when I feel like | 所以,亚历克斯实际上知道 关于我, 这是一个可怕的习惯, 但当我感觉 |
| 65 | I'm not making as much money or less profit for a couple months, even though it affects | 几个月来我赚不到那么多钱或少赚多少钱 虽然这影响 |
| 66 | nothing about my personal life because I don't even take money from my business, I just start | 没有关于我的个人生活,因为我甚至不 从我的生意拿钱,我只是开始 |
| 67 | to spend less money. | 以少花钱。 |
| 68 | I don't look at things. | 我不看东西。 |
| 69 | I don't buy stuff. | 我不买东西。 |
| 70 | I tell them, I'm like, don't buy that. | 我告诉他们,我一样,不要相信。 |
| 71 | What are we doing? | 我们在做什么? |
| 72 | I tell my whole assistant team, I'm like, ah, we don't need that. | 我告诉全队的助理,我们不需要 |
| 73 | No, let's cut here. | 不,让我们在这里切。 |
| 74 | Let's go through our finances and cut stuff that we don't need. | 让我们通过我们的财政 削减我们不需要的东西。 |
| 75 | I realized it was a pattern that I had in my past that I was bringing into my current | 我意识到,这是我过去的一个模式, 我带进我现在 |
| 76 | day life that wasn't serving me. | 生活不为我服务 |
| 77 | And so something I tried to start doing the last few times that's happened, where I've | 所以,我试图开始做一些事情 过去的几次发生,我在那里 |
| 78 | just felt that urge to spend less money, I go spend more money. | 只是觉得要少花钱的冲动,我去花更多的钱。 |
| 79 | It's probably a worse behavior, but it's telling my brain, like, listen, you're going to listen | 这可能是一个更糟糕的行为, 但是它告诉我的大脑一样, 听着,你要去听 |
| 80 | to me. | 对我来说。 |
| 81 | This is irrational. | 这是不合理的。 |
| 82 | I'm not going to listen to you. | 我不会听你的 |
| 83 | And so I will spend money, even when I have that impulse not to, to teach myself it's | 所以我会花钱, 即使我有这种冲动不这样做, 教自己,这是 |
| 84 | Because the evidence shows it is. | 因为有证据表明是的 |
| 85 | And whatever's happening in my brain has nothing to do with what's happening on the outside. | 我脑中发生的一切 都与外界发生的一切无关 |
| 86 | So here's what I want you to do. | 所以我要你这么做 |
| 87 | I want you to think about the phrases that you heard growing up. | 我要你考虑一下 你听到的成长的词句 |
| 88 | Maybe it's, you know, one money doesn't grow on trees, be grateful for what you have, rich | 也许,你知道,一钱 不生长在树上, 感激你所拥有的,富有 |
| 89 | people are greedy. | 人们很贪婪 |
| 90 | Okay, those things are not lessons. | 好吧,那些东西不是教训。 |
| 91 | They're other people's thoughts that you took on. | 他们是别人的想法 你接受。 |
| 92 | And so once they get written into your subconscious, then they start dictating everything about | 所以一旦他们被写进你的潜意识, 然后他们开始描述所有关于 |
| 93 | ネ | |
| 94 | What jobs you take, how much money you charge, what you believe you deserve, how much money | 你拿什么工作,你收取多少钱,你认为你应得的,多少钱 |
| 95 | you spend, when you should be anxious versus excited about spending money. | 你花,当你应该 焦急和兴奋 花钱。 |
| 96 | So here's how we want to rewire our brains to think about money differently. | 因此,我们想重新调整我们的大脑, 以不同的方式思考金钱。 |
| 97 | Write down your earliest memory about money. | 写下你最早的记忆 关于钱。 |
| 98 | What did your parents say about it? | 你父母怎么说的? |
| 99 | How did they behave with it? | 他们怎么处理的? |
| 100 | That's probably your money script. | 这可能是你的钱剧本。 |
| 101 | And once you see it, you can rewrite it. | 一旦看到它,你可以重写它。 |
| 102 | And so your new script, for example, could be money is a tool that lets me create freedom | 所以,你的新剧本,比如说, 可能是钱是一个工具 让我创造自由 |
| 103 | and help more people. | 并且帮助更多的人。 |
| 104 | Once you change that internal script, your external results will start to update. | 一旦修改了内部脚本,你的外部结果就会开始更新. |
| 105 | It takes a lot of the emotion out of it. | 这需要很多的情感 从它。 |
| 106 | And once you associate positive feelings with that new narrative, you start to actually | 一旦你把积极的感情 与新的叙述联系起来, 你开始实际上 |
| 107 | see that your behaviors align with it more. | 看你的行为更符合它。 |
| 108 | The next limiting belief keeping you poor is what we call a wealth ceiling. | 下一个限制你贫穷的信念 就是我们所说的财富上限 |
| 109 | Here's the truth about it. | 现此真言. |
| 110 | You will sabotage, say it's a $200,000 opportunity, if you still see yourself as somebody who | 你会破坏,说这是一个20万美元的机会, 如果你仍然认为自己是一个 |
| 111 | only pursues a $50,000 opportunity. | 只有5万美元的机会 |
| 112 | Now why is that? | 为什么? |
| 113 | The amount of money that you have is capped by how you see yourself. | 你拥有的金钱 被你对自己的看法所压抑 |
| 114 | Just like the partner that you have, just like the job that you have, just like the | 就像你的搭档一样 就像你的工作一样 |
| 115 | house that you live in. | 房子,你住在这里。 |
| 116 | The research on this is very clear. | 这方面的研究非常清楚。 |
| 117 | Your self-concept acts as a thermostat. | 你的自我概念是自动调温器 |
| 118 | If you see yourself as somebody who earns $100,000, you'll unconsciously strive to | 如果你把自己看成挣10万美元的人 你会无意识地努力 |
| 119 | maintain that level, right? | 保持这个水平,对不对? |
| 120 | And you will not pursue a level above it. | 你将不追求任何水平。 |
| 121 | That's a really important piece. | 这是一个非常重要的作品。 |
| 122 | Now if you make $150,000, you'll probably spend an additional $50,000. | 如果你赚了15万美元,你可能还要多花5万美元。 |
| 123 | If you make $80,000, you'll stress and work until you're back at the $100,000. | 如果你赚了8万元,你就会紧张,工作到10万元才回来. |
| 124 | See what I'm saying? | 明白我的意思了吗? |
| 125 | So for me, for years, I was, I'm scrappy, I'm surviving, I'm getting by. | 因此,对我来说, 多年来,我是, 我是废品, 我活下来, 我得到了。 |
| 126 | And I remember because I got stuck when I was in my first job, making around $85,000 | 我记得是因为我第一次工作时被困住了 赚了八万五千元 |
| 127 | a year, it was like, I created this identity around it. | 一年,就像, 我创造了这个身份围绕它。 |
| 128 | I knew logically that I could make more, but one, I remember the moment I started making | 我从逻辑上知道我可以做更多 但我记得我开始做 |
| 129 | more, I started to compete and then all my money started going towards competition fees. | 更多,我开始竞争,然后我所有的钱 开始向竞争收费。 |
| 130 | The second piece is that I remember so many times when I knew I was about to start making | 第二段是,我记得这么多次 当我知道我即将开始制作 |
| 131 | more, it's like I would almost sabotage myself by getting wound up in it. | 更何况,我几乎会破坏自己 通过结束它。 |
| 132 | I was like, oh my God, what if I f*** up? | 我就像,哦,我的上帝, 如果我f***起来? |
| 133 | What if I mess up? | 如果我搞砸了怎么办? |
| 134 | What if I don't actually make more? | 如果我真的不赚更多呢? |
| 135 | And I didn't realize at the time that that was like me regulating my internal temperature. | 我当时并没意识到 这就像我调节我的内部温度。 |
| 136 | And so if your identity is, I'm somebody who struggles with money, you find ways to | 所以如果你的身份是,我是一个 与金钱斗争的人,你找到方法 |
| 137 | keep struggling. | 继续挣扎 |
| 138 | But if it's, I'm someone who creates and manages my wealth and can make more money | 但是如果是这样的话,我是创造和管理我财富 赚更多钱的人 |
| 139 | if I choose to, then you're going to find a way to live that out. | 如果我选择了,那么你会找到一种方法 来维持下去。 |
| 140 | So here's how you change this. | 这就是你如何改变这一切。 |
| 141 | Okay? | 好吗? |
| 142 | I want you to write this down. | 我要你记下来 |
| 143 | I'm the kind of person who, and then finish the sentence honestly, whatever your current | 我是那种人 谁,然后完成 句子诚实,不管你现在 |
| 144 | financial identity is. | 财务身份是。 |
| 145 | I overspend. | 我过头了 |
| 146 | I underspend. | 我花钱不够 |
| 147 | I save too much. | 我省了太多钱了 |
| 148 | I save nothing. | 我什么也没有省 |
| 149 | Then I want you to put a line down that piece of paper on the other side, right? | 然后,我要你把一条线 在另一边的纸,对不对? |
| 150 | I'm the kind of person who builds and manages wealth with ease. | 我是那种轻松地建立和管理财富的人. |
| 151 | You don't need to feel like that person yet. | 你不需要感觉 像那个人呢。 |
| 152 | You don't need to act like them just yet. | 你不需要像他们那样 |
| 153 | I just want you to actually write it down and not be repulsed by what you see on the | 我只是希望你写下来 而不是被你看到的所厌恶 |
| 154 | piece of paper. | 一张纸。 |
| 155 | I'm serious. | 我是认真的。 |
| 156 | Every time you now make a decision for money, I want you to pull up that piece of paper. | 每次你为钱做决定时 我要你拿出那张纸 |
| 157 | That's all I want you to do right now. | 这就是我想要你做的 现在。 |
| 158 | And the thing is, is that the moment that your self image expands, because you're constantly | 问题是,当你的自我形象膨胀的时候, 因为你不断地 |
| 159 | reading that, reminding yourself of it, writing a new sentence to put in your brain, your | 写一句新的句子 写进你的大脑 |
| 160 | income is going to follow that. | 收入将随之而来。 |
| 161 | The next limiting belief people have is thinking that they should buy liabilities instead of | 下一个限制 信仰的人认为 他们应该买 负债而不是 |
| 162 | assets. | 资产。 |
| 163 | Maybe just not even knowing the difference. | 也许只是不知道 区别。 |
| 164 | You were programmed to consume, not to build things, and that's why a lot of people stay | 你被编程 消费,不是建造的东西, 这就是为什么很多人留下来 |
| 165 | broke. | 破产了。 |
| 166 | Okay, Robert Kiyosaki, he wrote Rich Dad Poor Dad, one of the first books I read on money. | 好吧,罗伯特・清崎, 他写了里奇爸爸 可怜的爸爸,最早的书之一 我读关于钱。 |
| 167 | He put it very simply. | 他说得非常简单 |
| 168 | He said the rich buy assets, the middle class buys liabilities thinking they are assets. | 他说富人买资产,中产阶级买负债以为是资产. |
| 169 | Wealth is actually fairly simple. | 财富其实很简单。 |
| 170 | There are two categories, assets, liabilities. | 资产,负债有两类. |
| 171 | An asset puts money in your pocket, a liability takes money out of your pocket. | 资产把钱放在你的口袋里 负债把钱从你的口袋里拿走 |
| 172 | And a lot of people spend their entire lives buying liabilities and wondering why they | 很多人花一辈子时间 买债 想知道为什么 |
| 173 | can't get ahead. | 无法前进。 |
| 174 | They ask, can I afford this instead of will this pay me back? | 他们问,我能买得起吗 而不是这个能还我钱吗? |
| 175 | What's my return on this? | 我有什么回报? |
| 176 | Now how do you know the difference between an asset and a liability? | 你怎么知道资产和负债的区别? |
| 177 | I'll break it down in the most common cases that you probably can relate to. | 我会在最普通的案例中 分解出来 你可能可以联系到的 |
| 178 | Your car, liability, okay, loses value immediately. | 你的车,责任,好,马上失去价值 |
| 179 | Has insurance, which is bulls**t, gas, maintenance, happens to it all the time. | 有保险,即公牛**t, 煤气,维护, 它总是发生。 |
| 180 | Your house you live in, liability. | 你住的房子,责任。 |
| 181 | I know this is very controversial, but it's true. | 我知道这是非常有争议的,但这是真的。 |
| 182 | You have a mortgage, property tax, insurance, repairs, it doesn't generate income. | 你有抵押贷款,财产税,保险,修理, 它不产生收入。 |
| 183 | The next one, a course that teaches you a skill, asset. | 下一门课 教你技能 资产 |
| 184 | Now how does that an asset? | 那又怎样? |
| 185 | Because it pays you back through increased income because you've invested in your skills. | 因为它通过增加收入还给你 因为你已经投资你的技能。 |
| 186 | A rental property, an asset, it generates monthly income, a designer handbag, sadly | 租房 资产 每月创收 设计师手提包 |
| 187 | a liability, okay, loses value over time, doesn't generate any income. | 负债,好吧, 损失价值随着时间, 不产生任何收入。 |
| 188 | I've had that discussion with Alex before. | 我以前和亚历克斯讨论过 |
| 189 | Equipment for your business, that is an asset if it helps you generate more revenue. | 业务设备,如果有助于你创造更多的收入,那就是资产。 |
| 190 | It's a liability if you don't use it, it just sits there. | 不使用它是一种责任,它只是坐在那里。 |
| 191 | So when I started filtering all my purchases through that, is this an asset or a liability? | 所以当我开始过滤 我的所有购买 通过,这是资产还是负债? |
| 192 | My wealth compounded because I realized, I was like, my money, if I don't put it into | 我的财富更复杂 因为我意识到 如果我不投入 |
| 193 | either of these things, actually it's just liability. | 不管是哪一种 都只是责任 |
| 194 | Money sitting in the bank, it's just deteriorating over time. | 钱在银行里,它只是 恶化的时间。 |
| 195 | So my money actually can become a liability if I don't do something with it. | 所以如果我不做点什么 我的钱实际上会变成负债 |
| 196 | And that's when I really started learning how to invest in things that create money, | 那时我开始学习如何投资创造金钱的东西 |
| 197 | in skills that create money, in learning that creates money, and in assets for my business | 创造金钱的技巧 创造金钱的学习 以及用于我生意的资产 |
| 198 | that create money. | 这创造了钱。 |
| 199 | Here's how you can start spending on what matters, okay? | 这就是你如何开始花费 在什么重要,好吗? |
| 200 | I want you to look at the last 10 purchases that you made and then next to each one, simply | 我要你看看最后的10个 购买,然后每一个,简单 |
| 201 | write asset or liability and be honest with yourself. | 写资产或负债,并对自己诚实。 |
| 202 | And then all I want you to do is just commit the next time that you buy something to just | 然后,我要你做的只是承诺 下次你买东西只是为了 |
| 203 | ask yourself, is this a liability or an asset? | 你问自己,这是负债还是资产? |
| 204 | Does it put money in my pocket eventually or does it take money out of my pocket? | 它最终会把钱放在我的口袋里 还是会把钱从我的口袋里拿走? |
| 205 | The next limiting belief is one of the hardest ones to break. | 下一个限制信仰是难以打破的信仰之一. |
| 206 | I know this because I still find myself breaking it on a continuous basis in the weirdest ways, | 我知道这一点,因为我仍然发现自己 不断打破它 在最奇怪的方式, |
| 207 | but that is the scarcity mindset. | 但这就是稀缺的心态。 |
| 208 | Okay, this sounds crazy, but having a scarcity mindset actually can make you dumber. | 好吧,这听起来很疯狂, 但有一个稀缺的心态 实际上可以让你更蠢。 |
| 209 | Here's the truth. | 这是事实 |
| 210 | You either operate from scarcity or abundance. | 你要么从稀缺 或丰富的。 |
| 211 | And I don't want you to feel bad here because as humans, we are supposed to operate from | 我不希望你在这里感到难过 因为作为人类,我们应该从 |
| 212 | Which one you choose to lean towards and train yourself into will determine how much money | 你选择靠哪一个 自己训练,会决定多少钱 |
| 213 | you make. | 你来做。 |
| 214 | The scarcity brain really just says, there's never enough. | 缺乏的大脑真的说, 永远不够。 |
| 215 | I need to protect what I have. | 我要保护我所拥有的一切 |
| 216 | I need more. | 我需要更多东西。 |
| 217 | You know, if that person has more, it means less for me. | 你知道,如果那个人有更多的, 这意味着我更少。 |
| 218 | Think about what that meant like a thousand years ago meant like somebody else has all | 想想那意味着什么 一千年前,意味着像别人有所有 |
| 219 | the berries and you're like, I need more berries because I need berries to feed my children | 浆果和你一样, 我需要更多的浆果 因为我需要浆果来喂我的孩子 |
| 220 | in my pack. | 在我的包内。 |
| 221 | And like, you're trying to get their berries because you're like, oh, you can't, there's | 你试图得到他们的浆果 因为你喜欢,哦,你不能,有 |
| 222 | only a certain number of berries and I need to make sure I get them and not you. | 我只需要一定数量的浆果 我需要确保得到它们,而不是你。 |
| 223 | Because what if my family dies? | 如果我的家人死了怎么办? |
| 224 | That's how your brain's working, except it's working and thinking those thoughts about | 你的大脑就是这样工作的, 除了它的工作和思考这些想法 |
| 225 | something that is not finite. | 一些没有限度的东西 |
| 226 | It's something that's infinite. | 谓之无穷. |
| 227 | There's money being made every day. | 每天都在赚钱 |
| 228 | Scarcity actually changes your brain the more that you give into it. | 恐惧实际上改变你的大脑 越多。 |
| 229 | When you perceive resources as scarce that are not like money, your cognitive bandwidth | 当你觉得资源稀缺 不像钱,你的认知带宽 |
| 230 | shrinks. | 心理医生 |
| 231 | Okay, you make worse decisions. | 好吧,你做出更糟糕的决定。 |
| 232 | You can't plan long term and you only focus on immediate value. | 你无法长期规划,只注重眼前的价值. |
| 233 | So we need to reprogram these thoughts. | 所以我们需要重新规划这些想法。 |
| 234 | People with a scarcity mindset, they hoard money. | 思想匮乏的人会积蓄钱财 |
| 235 | They don't invest their money, right? | 他们不投资他们的钱,对不对? |
| 236 | They're only thinking short term, got to survive, right? | 他们只是在思考短期, 必须生存,对不对? |
| 237 | And they see every opportunity as a threat. | 他们把每一个机会都视为一种威胁。 |
| 238 | If you can tap into training yourself to have an abundant mindset, everything will change | 如果你能利用训练 拥有丰富的思维, 一切都会改变 |
| 239 | for you. | 给你的 |
| 240 | Okay, abundance mindsets, they say there's always more to create. | 好吧,丰富的思维, 他们说总是有更多的创造。 |
| 241 | I can afford to invest. | 我有能力投资 |
| 242 | I can afford to give some berries to my neighbor. | 我可以给我邻居一些浆果 |
| 243 | I can take calculator risks because there are opportunities everywhere and it is not | 我可以承担计算风险 因为到处都有机会 而不是 |
| 244 | a finite resource. | a 有限资源。 |
| 245 | It is seeing the world and all of the things it has to offer as an infinite pie rather | 它看到世界 和所有的东西 它必须提供 作为无限馅饼 相反 |
| 246 | than a finite one. | 比一个有限的。 |
| 247 | So for me, for example, when I operated from scarcity, I was terrified to spend money on | 因此,对我来说,比如,当我运行 从稀缺, 我害怕花钱 |
| 248 | things that made my life better, made me better, made my business better. | 使我的生活更美好, 使我更好, 使我的生意更好。 |
| 249 | Because I felt like, what if, what if I never make money again? | 因为我觉得,如果, 如果我不再赚钱呢? |
| 250 | What if it stops coming? | 如果它停止来了呢? |
| 251 | What if something changes? | 如果有什么变化呢? |
| 252 | Especially in the first few years of business, I want to say the first three, it was really | 特别是在头几年的生意里 我想说前三年 |
| 253 | hard for me to get out of that habit. | 我很难摆脱这种习惯。 |
| 254 | And then the shift actually really happened when I realized money is almost infinite nowadays. | 那时的转变真的发生了 当我意识到现在的钱几乎是无限的。 |
| 255 | Okay, but it is renewable skills, relationships, opportunities, those things compound. | 好吧,但它是可再生的技能, 关系,机会, 这些东西复合。 |
| 256 | And so the more that I invest into myself and the more and I invest in my business and | 所以,我投资越多 对自己,我投资我的生意, |
| 257 | the more and I invest in my life, the more I get back tenfold. | 投资我的生活, 我得到的十倍。 |
| 258 | And I realized that I needed to train myself out of that habit. | 我意识到,我需要 训练自己摆脱这种习惯。 |
| 259 | So I'll tell you the first thing I did. | 所以,我告诉你 我所做的第一件事。 |
| 260 | I hired a coach that was $40,000 a month when we were literally making $50,000 a month. | 我雇了一位教练,每月40 000美元 当我们每月赚5万美元。 |
| 261 | And my scarcity brain was like, oh my God, you just started making this money. | 我的大脑稀缺,就像,哦,我的上帝, 你刚刚开始 赚钱。 |
| 262 | You're going to go broke. | 你会破产的 |
| 263 | What if it stops tomorrow? | 如果明天就停了怎么办? |
| 264 | My abundant brain was like, well, you made $10,000 a month, then $30,000 a month, now | 我丰富的大脑就像,嗯,你每月赚一万美元,然后每月3万美元,现在 |
| 265 | $40,000. | 4万块 |
| 266 | You're going to be like, next month, you're probably going to make $100,000. | 你下个月可能会赚到10万美元 |
| 267 | And this skill is going to help you make even more. | 这种技巧会帮助你赚更多钱。 |
| 268 | And so I said, you know what? | 所以我说,你知道吗? |
| 269 | I have to just ignore that voice. | 我不得不忽略那个声音 |
| 270 | I'm not going to listen to it. | 不听其说. |
| 271 | I can have those thoughts. | 我可以有这些想法。 |
| 272 | I don't need to listen to them and follow their directions. | 我不需要听他们的话 也不必听他们的 |
| 273 | I can go with this one instead. | 我可以用这个代替。 |
| 274 | And the cool thing is that that coach that I hired that was $40,000 a month was the reason | 很酷的是,我雇的那个教练 一个月40 000美元是原因 |
| 275 | I was able to scale one of my companies to the degree I did, which then I was able to | 我能够把一个公司 提升到我的水平,然后我就可以 |
| 276 | sell the company for tens of millions of dollars. | 卖公司几千万美元。 |
| 277 | I'm sure you're thinking, okay, but how do you build an abundant mindset? | 我敢肯定,你在想什么, 好吧,但你如何建立 一个丰富的心态? |
| 278 | Okay, here's what I want you to do. | 好吧,这就是我要你做的。 |
| 279 | One is just become aware of when you make decisions from fear versus from possibility. | 一个人只是意识到 当你从恐惧和可能性做决定时 |
| 280 | Okay, when you think, I can't afford this, I want you to reframe it, how could I afford | 好吧,当你想,我买不起这个, 我要你重塑它,我怎么能买得起 |
| 281 | this? | 这个? |
| 282 | Simplest thing you can do. | 你能做的最简单 |
| 283 | The moment you stop asking yourself, how do I protect what I have? | 你不再问自己的时候 我该怎么保护我拥有的东西? |
| 284 | And you start asking yourself, how do I create more of what I have? | 你开始问自己, 我如何创造更多我拥有的东西? |
| 285 | That's when you start asking, let's say, like higher level intelligence questions and you | 当你开始问,让我们说, 像高级情报问题和你 |
| 286 | stop sabotaging your finances. | 停止破坏你的财务。 |
| 287 | And that's the thing I realized for myself, I was like, oh, I talk to myself like I'm | 这是我意识到的,我自己, 我很喜欢,哦,我说话自己喜欢我 |
| 288 | even when I was, had a lot of money, to be honest, and it wasn't until I realized that | 老实说,我那时有很多钱 直到我意识到 |
| 289 | that I was like really able to step into that next realm where I was like, I'm giving into | 我好像真的能够 踏入下一个领域 在那里我像,我放弃 |
| 290 | like the survival mechanism that exists in all of us humans, rather than retraining myself | 而不是自我再训练 |
| 291 | into this abundance mindset. | 进入这种丰富的心态。 |
| 292 | The next step we have is loss aversion. | 我们下一步就是厌倦了 |
| 293 | Okay, I want to define this for y'all. | 好吧 我想给大家下定义 |
| 294 | Loss aversion is why you keep losing investments, avoiding risk, and basically staying stuck | 失去厌恶是为什么你继续失去投资 避免风险 基本上坚持住 |
| 295 | where you are. | 你在哪,你现在在哪? |
| 296 | Because if you want to break this limiting belief, I want you to listen closely what | 因为如果你想打破这种限制信仰 我希望你仔细听 |
| 297 | I'm about to explain. | 我要解释一下 |
| 298 | There was a winning research by, it was like Daniel Kahneman and some guy named Amos, okay? | 有一个成功的研究, 它就像丹尼尔·卡恩曼 和一个叫阿莫斯的人,好吗? |
| 299 | And it showed that the pain of losing $100 is psychologically twice as powerful as the | 这表明失去100美元的痛苦 在心理上比 |
| 300 | pleasure of gaining $100. | 很高兴能赚到100美元 |
| 301 | Losing feels twice as bad as winning feels. | 失败的感觉是胜利的两倍 |
| 302 | This is why as humans, we hold losing stocks, you know, hoping that they're going to recover | 这就是为什么作为人类,我们持有 失去的股票,你知道,希望 他们会恢复 |
| 303 | instead of just cutting our losses. | 而不是仅仅减少我们的损失。 |
| 304 | We stay in dead end jobs. | 我们继续做死活 |
| 305 | We stay in bad relationships. | 我们的关系不好 |
| 306 | We don't negotiate salaries. | 我们不谈判薪水。 |
| 307 | We avoid investing because the fear of loss outweighs the potential gain. | 我们避免投资,因为担心损失大于潜在收益。 |
| 308 | So for me, for example, I stayed in a terrible job for probably two years longer than I should | 举例来说,对于我来说, 我在一个可怕的工作里呆了两年 可能比我应该呆的要长两年 |
| 309 | have because I felt like if I ended it, I was losing. | 因为我觉得如果我结束它, 我输了。 |
| 310 | But the funny thing is like staying in that job cost me way more. | 但有趣的是 留在那份工作让我付出了更大的代价 |
| 311 | It was like money, mental energy, mental health, who knows how many years off my life, because | 这就像钱, 精神能量, 心理健康, 谁知道多少年了我的生活,因为 |
| 312 | the fear of loss was bigger than the logic of leaving. | 失去的恐惧比离开的逻辑要大 |
| 313 | Your brain is designed to protect what you have, not to pursue what you could have. | 你的大脑是为了保护你所拥有的,而不是追求你可能拥有的东西. |
| 314 | And that is why most people never actually take risks to build well. | 这就是为什么大多数人从不 冒风险建设好。 |
| 315 | And then they say, oh, there's something wrong with me. | 然后他们说,哦,我有问题。 |
| 316 | I feel like what if I lose? | 我觉得如果我输了怎么办? |
| 317 | I'm like, there's nothing wrong with you. | 我好像,你没有问题 |
| 318 | You're a human. | 你是一个人类。 |
| 319 | I don't know how many times I have to say this. | 我不知道我要说多少遍 |
| 320 | Like, we're all wired this way. | 喜欢,我们都有线 这样。 |
| 321 | I'm wired this way. | 我用这条线 |
| 322 | You're wired this way. | 这边有线 |
| 323 | If I can do it, you can do it. | 如果我能做到这一点,你可以做到这一点。 |
| 324 | I promise, okay? | 我保证,好吗? |
| 325 | So here's how you break that cycle. | 这就是你如何打破循环。 |
| 326 | You need to reframe every loss as tuition. | 你需要把每笔损失都重新定义为学费。 |
| 327 | If you lost $50,000 on a business venture, Abundance is going to say, you paid $50,000 | 如果你在生意上输了5万元 丰盛会说 你付了5万元 |
| 328 | for an education that will make you millions. | 为了教育, 会让你数百万。 |
| 329 | When I changed that frame for myself, the loss stopped controlling me. | 当我自己换了那个框时 损失就不再控制我了 |
| 330 | In fact, recently I had a business decision and there was, you know, about a three million | 事实上,最近我有一个商业决定, 而且有,你知道,大约300万 |
| 331 | dollar delta between what somebody was saying something was and somebody else was saying | 美元三角洲在别人说的东西 别人说 |
| 332 | something was. | 东西是。 |
| 333 | And I ended up just going and agreeing with this person because I said, I think this is | 我最后还是同意了这个人 因为我说,我认为这是 |
| 334 | the right way forward. | 正确的前进方向。 |
| 335 | And I think that I actually should have defined terms earlier in the relationship to make | 而且我认为,实际上我应该 更早地定义 术语在关系 |
| 336 | it more clear. | 更清楚一点 |
| 337 | I hadn't done that. | 我没有那么做 |
| 338 | And so, you know, when I was telling the story about this, it was just a week ago, I said, | 所以,你知道,当我讲这个故事的时候, 这只是一个星期前,我说, |
| 339 | yeah, I paid $3 million to learn this lesson. | 是的,我花了300万美元来吸取教训。 |
| 340 | And you know what? | 你知道吗? |
| 341 | I would pay $3 million again to learn that lesson. | 我会再付三百万来吸取教训 |
| 342 | The last limiting belief might be the most important one to break. | 最后一个限制信仰可能是最重要的。 |
| 343 | And this is what we call the time trap. | 这就是我们所谓的时间陷阱。 |
| 344 | Most people spend their entire lives trying to save money. | 大多数人一生都在努力省钱. |
| 345 | And that is what keeps them from making money, ironically. | 讽刺的是,这就是阻止他们赚钱的原因。 |
| 346 | They forget that money multiplies. | 他们忘记了金钱的倍增。 |
| 347 | But time doesn't multiply, okay? | 但时间不会增加,好吗? |
| 348 | And that is why you want to save time instead of saving money. | 这就是为什么你想节省时间而不是节省钱。 |
| 349 | So here's what I mean. | 所以,这就是我的意思。 |
| 350 | If you make $100 an hour, doing anything worth less than $100 an hour is costing you money. | 如果你每小时赚100美元, 做任何价值不到100美元 每小时的费用。 |
| 351 | So if you spend two hours cleaning your house, instead of hiring someone $50, you didn't | 所以,如果你花两个小时清理你的房子, 而不是雇用一个人50美元,你没有 |
| 352 | save $50, you lost $150 because two hours at $100 minus the $50 you didn't pay. | 省了50美元 你损失了150美元 因为两个小时的100美元减去你没有支付的50美元 |
| 353 | Wealthy people understand this. | 有钱人明白这一点。 |
| 354 | They buy time. | 他们赢得时间。 |
| 355 | They hire assistants, meal prep services, housekeepers, not because they're lazy, but | 他们雇助理 餐饮服务 管家 不是因为他们懒惰 |
| 356 | because their time is worth more. | 因为他们的时间更值钱 |
| 357 | They put it elsewhere. | 他们把它放在别处。 |
| 358 | And guess what? | 你猜怎么着? |
| 359 | I didn't just do this now when I had a lot of money. | 我不只是在有钱的时候这么做的 |
| 360 | I did this when I first had barely any money. | 我做这个的时候,我第一次 几乎没有任何钱。 |
| 361 | The first thing I hired was an assistant. | 我雇的第一件事是助理 |
| 362 | When I was barely had enough money to hire six people for my team, I hired an assistant | 当我没有足够钱为我的团队雇用六人时 我雇了一个助手 |
| 363 | because I said, you know what? | 因为我说,你知道吗? |
| 364 | This is what rich people do. | 有钱人就是这样的 |
| 365 | They hire people to get their time back. | 他们雇人找时间回去 |
| 366 | And if I have to like take care of this and that in the house, then like I'm not going | 如果我喜欢照顾这个 和那个在房子里, 那么像我不去 |
| 367 | to be making money. | 赚钱。 |
| 368 | And it was the best decision I ever made. | 这是我做过的最好的决定 |
| 369 | Whereas poor and middle class, they tend to sell time, right? | 而穷人和中产阶级往往会出卖时间,对吧? |
| 370 | They're trading hours for dollars and do everything themselves to save money and then | 他们以美元换取时间 自己尽力节省钱 然后 |
| 371 | wonder why they're not getting ahead. | 想知道为什么他们不提前。 |
| 372 | And so when I started filtering every decision through, does this buy me time or cost me | 所以当我开始过滤 每一个决定通过, 这是否给我时间或花费我 |
| 373 | time? | 时间? |
| 374 | Everything changed. | 一切都变了 |
| 375 | I stopped doing the $10 an hour tasks, hired help, automated things, and I focused really | 我停止了每小时10美元的工作, 雇用了帮手,自动化的事情, 我专注于真正 |
| 376 | on the work that was, you know, say $1,000 an hour. | 说每小时1000美元 |
| 377 | And you can calculate how much money you make per hour by asking yourself, how much money | 你可以计算你每小时赚多少钱 问问你自己,多少钱 |
| 378 | do I make in a year and divided by how many hours a year there are. | 我一年能赚多少,每年有多少小时。 |
| 379 | That's it. | 就这样 |
| 380 | So like right now, I know how much I make per hour. | 所以现在,我知道我每小时赚多少钱。 |
| 381 | So then I'll ask myself, I even have it on one of my Asana cards for people. | 然后,我会问自己, 我甚至有它在我的一张Asana卡 为人们。 |
| 382 | I'll say, is this worth, you know, $50,000 for Layla to do this if it's going to take | 我要说,这是值得的,你知道,5万美元 莱拉这样做,如果它要 |
| 383 | an hour? | 一个小时? |
| 384 | Now, here's the thing. | 事情是这样的 |
| 385 | If you're able to do this, you will make more money in less time, which then you reinvest | 如果你能够做到这一点, 你会赚更多的钱 在更少的时间, 然后你再投资 |
| 386 | into more leverage. | 进入更多的杠杆。 |
| 387 | And then that leverage creates freedom for you because things that you have leverage | 然后这种杠杆为您创造自由 因为你有杠杆的东西 |
| 388 | on, they take less of your time and create money. | 他们少花点时间创造金钱 |
| 389 | They're how you get free. | 他们是你自由的方式 |
| 390 | Right? | 对吧? |
| 391 | So how do you get out of that trap? | 那你怎么摆脱这个陷阱? |
| 392 | Calculate your hourly rate, your annual income divided by 2000 work hours, then audit your | 计算小时工资,年收入除以2 000个工作小时,然后审计您 |
| 393 | time. | 时间。 |
| 394 | Ask yourself, how many things am I doing that are not worth this? | 问问你自己 我做了多少不值得做的事? |
| 395 | My favorite thing that somebody will do in one of my companies is they'll come to me | 我最喜欢的是我公司的人 会来找我 |
| 396 | and tell me that they're doing tasks that are not worth how much I'm paying them. | 并告诉我,他们做的 任务不值得我支付多少。 |
| 397 | My favorite thing in the world. | 我最喜欢的东西在世界上。 |
| 398 | I had someone do it recently. | 我最近让别人做了 |
| 399 | They said, look, how many hours I'm spending on admin tasks. | 他们说,你看,我花了多少小时 管理任务。 |
| 400 | And they had actually gone through their calendar for the last four weeks and they calculated | 他们过去四个星期的历程 他们计算 |
| 401 | it. | 这个 |
| 402 | And I was horrified by how much time and I immediately hired them assistant. | 我被多少时间吓坏了 我立刻就雇了他们的助手 |
| 403 | And they started literally three days ago. | 他们三天前就开始了 |
| 404 | That's all because anybody who thinks in terms of getting a good return, I'm going to hire | 这是因为任何想得到好回报的人 我都会雇你 |
| 405 | that person for somebody else as well. | 那个人也是为了别人 |
| 406 | So here's my challenge for you. | 所以,这是我给你的挑战。 |
| 407 | I want you to pick just one of the shifts from this video. | 我要你从这段视频中挑一个班 |
| 408 | And I want you to say, this is the one where I think I'm going to get the most gains. | 我想让你说,这是我想得到最多收益的地方。 |
| 409 | I'm going to start practicing this week. | 这周我要开始练习了 |
| 410 | And if you like this video, don't forget to check out my next one and subscribe. | 如果你喜欢这段视频, 别忘了检查我的下一张并订阅。 |
该视频共有字幕 410 条。解锁更多字幕为会员功能，请移动到 价格
P3 · 【商业思维】赚钱心理学 · The Psychology of Making Money p03 无字幕 (P3)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | The single greatest skill that separates broke people from wealthy people is not intelligence | 唯一能把富人和富人分开的 最伟大的技能不是智力 |
| 0:05 | or luck. | 或运气。 |
| 0:06 | It is mastering the psychology of money. | 它正在掌握金钱的心理学。 |
| 0:08 | I went from being 100 pounds overweight, broke, arrested six times, to building companies | 我从100磅超重,破门而入,抓了6次,到建设公司 |
| 0:12 | worth hundreds of billions of dollars, and it is not because I am special, I am no different | 价值上千亿美元 并不是因为我特别,我没什么不同 |
| 0:15 | from you, it is because I stopped letting my broke mindset run my actual life. | 是因为我不再让我破碎的心态 支配我真实的生活 |
| 0:20 | So if you want to build real wealth, you need to break free from these six limiting beliefs | 因此,如果你想建立真正的财富, 你需要打破这六个限制信仰 |
| 0:25 | that are keeping you broke. | 让你破产。 |
| 0:26 | The first limiting belief or system of beliefs that is keeping you poor is what I call the | 第一个限制你贫穷的信仰或信仰体系就是 我所说的 |
| 0:31 | money script. | 钱脚本。 |
展开字幕全文（410 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | The single greatest skill that separates broke people from wealthy people is not intelligence | 唯一能把富人和富人分开的 最伟大的技能不是智力 |
| 2 | or luck. | 或运气。 |
| 3 | It is mastering the psychology of money. | 它正在掌握金钱的心理学。 |
| 4 | I went from being 100 pounds overweight, broke, arrested six times, to building companies | 我从100磅超重,破门而入,抓了6次,到建设公司 |
| 5 | worth hundreds of billions of dollars, and it is not because I am special, I am no different | 价值上千亿美元 并不是因为我特别,我没什么不同 |
| 6 | from you, it is because I stopped letting my broke mindset run my actual life. | 是因为我不再让我破碎的心态 支配我真实的生活 |
| 7 | So if you want to build real wealth, you need to break free from these six limiting beliefs | 因此,如果你想建立真正的财富, 你需要打破这六个限制信仰 |
| 8 | that are keeping you broke. | 让你破产。 |
| 9 | The first limiting belief or system of beliefs that is keeping you poor is what I call the | 第一个限制你贫穷的信仰或信仰体系就是 我所说的 |
| 10 | money script. | 钱脚本。 |
| 11 | Every financial decision that you make, what job you take, how much you charge, how guilty | 你所做的每一笔财务决定,你做什么工作,你收取多少费用,有多有罪 |
| 12 | you feel spending a certain amount of money, is all controlled by this subconscious script | 你感觉花一定的钱, 都由这个潜意识的剧本控制 |
| 13 | that you probably didn't even write yourself. | 你可能甚至没有写自己。 |
| 14 | And this is actual science, there's research by financial psychologists that talk about | 这是科学 金融心理学家的研究 |
| 15 | the four types of money scripts that predict financial behavior. | 预测金融行为的四种货币脚本. |
| 16 | And these scripts are actually formed in childhood before you're even conscious enough to understand | 这些剧本其实是在童年时期形成的 之前你还没有意识到 |
| 17 | what money is. | 钱是什么? |
| 18 | As I go through each of these, I want you to think about which one you unconsciously | 我每一次都这样,我希望你 想想哪个你无意识地 |
| 19 | follow yourself. | 跟着你 |
| 20 | I will tell you what I am at the end, or at least how I grew up. | 我会告诉你我到底是什么 或者至少我是如何长大的 |
| 21 | Okay, the first one is a money avoider. | 好吧,第一个是避钱者。 |
| 22 | These people believe that money is bad and that they don't deserve it, okay? | 这些人相信钱是坏的 他们不值得,好吗? |
| 23 | They will sabotage their own success, they often work in helping professions that have | 他们会破坏他们自己的成功 他们经常帮助那些有 |
| 24 | very low pay, and they feel guilty about wanting to have money. | 工资很低, 他们觉得内疚 想要钱。 |
| 25 | So if you grew up hearing people say, rich people are greedy, money is the root of all | 所以,如果你长大了 听人们说, 富人贪婪, 钱是一切的根源 |
| 26 | That's probably the script that you have in your head. | 可能是你脑子里的剧本 |
| 27 | Now on the other hand, we also have money worshipers, okay? | 另一方面,我们也有 钱崇拜者,好吗? |
| 28 | So if you're a money worshipper, you believe that money will solve all your problems and | 所以,如果你是一个钱崇拜者, 你相信钱会解决你的所有问题和 |
| 29 | bring you happiness. | 给你带来幸福。 |
| 30 | Okay, so a money worshipper, they chase money obsessively, but they never feel like they | 好吧,所以一个钱崇拜者, 他们追逐钱 强迫,但他们从来没有感觉像他们 |
| 31 | have enough. | 够了 |
| 32 | They hoard, they prioritize work over relationships, always believing that a certain amount of | 他们囤积,他们优先考虑工作 而不是关系,总是相信一定数量 |
| 33 | more money is going to bring them happiness. | 更多的钱会给他们带来幸福 |
| 34 | Oh, I just haven't made enough yet, I need to make a million dollars. | 我只是还没赚到足够的钱 我需要赚一百万 |
| 35 | Now it's 10 million, now it's 100 million in order to be happy. | 今为一千万,今为一亿,以图欢喜. |
| 36 | Now there's the money status script. | 现在有钱状况剧本。 |
| 37 | People who suffer from the money status script tie their self-worth to their net worth. | 受金钱状况剧本折磨的人把自己的自我价值与净值挂钩. |
| 38 | They overspend because they want to keep up appearances, hide their finances, even from | 因为他们想保持外表 隐藏自己的财务 甚至从 |
| 39 | like spouses, if it's not what they think it should be, and they feel anxious when other | 像配偶,如果这不是 他们认为应该, 他们感到焦虑 当其他 |
| 40 | people are wealthier than them. | 人们比他们更富有。 |
| 41 | So it's like the typical keeping up with the Joneses, like you're looking in the yard | 所以,这就像典型的跟 琼斯夫妇,就像你在看 院子里 |
| 42 | of your neighbor and you're like, dude, I need to have a better yard than him. | 你的邻居和你一样,伙计, 我需要有一个比他更好的院子。 |
| 43 | Research shows that this script is actually linked to lower well-being and increased unhappiness. | 研究表明,这个剧本实际上与较低的福利和增加的不幸福联系在一起. |
| 44 | Now why is that? | 为什么? |
| 45 | Because you're constantly comparing yourself, right? | 因为你一直在比较自己 对吧? |
| 46 | The last one is money vigilant people. | 最后一个是钱警惕的人。 |
| 47 | Okay, these are people who are chronic savers, who live below their means, but they experience | 好吧,这些人是慢性储蓄者, 他们生活在自己的收入以下, |
| 48 | constant anxiety about their financial future. | 总是担心他们的金融前途 |
| 49 | They're usually secretive about money, they never feel secure, even when they have plenty. | 他们通常对钱很隐秘,他们从不觉得安全,即使他们有钱. |
| 50 | So I want you to think about, of those four, you might be a mix of a couple of them, but | 所以,我想你想想,在这四个人中, 你可能是一个混合 他们中的几个,但 |
| 51 | think about the one that you identify with the most. | 想想你最认同的那个 |
| 52 | Think about how it affected you growing up. | 想想它如何影响你长大。 |
| 53 | So when I went through these, I was like, I definitely identify the most with money | 所以当我通过这些,我就像, 我肯定识别最用钱 |
| 54 | vigilant, which probably sounds weird because you're looking at me and you're like, I see | 注意,这听起来可能很奇怪 因为你看着我,你喜欢,我明白了 |
| 55 | jewelry and I see makeup and hair and all. | 珠宝和我的化妆 头发等等。 |
| 56 | I'm going to be really honest with you guys, I spend nothing compared to how much money | 我要对你们说实话,我不用花多少钱 |
| 57 | I have, to the degree that when I had $100 million net worth, I didn't even want to spend | 我甚至连一亿美金都不想花 |
| 58 | over a couple million dollars on the house. | 超过两百万美金的房子。 |
| 59 | In fact, I rented for three years at that point in my life and didn't even own a home. | 事实上,我租了三年 那时,我甚至没有房子。 |
| 60 | And that is because it's the constant anxiety of like never feeling secure, even when you | 那是因为你总是担心 感觉永远没有安全感 |
| 61 | have plenty. | 有很多钱 |
| 62 | So Alex actually knows this about me, which is a terrible habit, but when I feel like | 所以,亚历克斯实际上知道 关于我, 这是一个可怕的习惯, 但当我感觉 |
| 63 | I'm not making as much money or less profit for a couple months, even though it affects | 几个月来我赚不到那么多钱或少赚多少钱 虽然这影响 |
| 64 | nothing about my personal life because I don't even take money from my business, I just start | 没有关于我的个人生活,因为我甚至不 从我的生意拿钱,我只是开始 |
| 65 | to spend less money. | 以少花钱。 |
| 66 | I don't look at things, I don't buy stuff, I tell them, don't buy that, what are we doing? | 我不看东西,不买东西,我告诉他们,不要买,我们在做什么? |
| 67 | I tell my whole assistant team, I'm like, ah, we don't need that. | 我告诉全队的助理,我们不需要 |
| 68 | No, let's cut here. | 不,让我们在这里切。 |
| 69 | Let's go through our finances and cut stuff that we don't need. | 让我们通过我们的财政 削减我们不需要的东西。 |
| 70 | I realized it was a pattern that I had in my past that I was bringing into my current | 我意识到,这是我过去的一个模式, 我带进我现在 |
| 71 | day life that wasn't serving me. | 生活不为我服务 |
| 72 | And so something I tried to start doing the last few times that's happened, where I've | 所以,我试图开始做一些事情 过去的几次发生,我在那里 |
| 73 | just felt that urge to spend less money, I go spend more money. | 只是觉得要少花钱的冲动,我去花更多的钱。 |
| 74 | It's probably a worse behavior, but it's telling my brain, like, listen, you're going to listen | 这可能是一个更糟糕的行为, 但是它告诉我的大脑一样, 听着,你要去听 |
| 75 | to me. | 对我来说。 |
| 76 | This is irrational. | 这是不合理的。 |
| 77 | I'm not going to listen to you. | 我不会听你的 |
| 78 | And so I will spend money, even when I have that impulse not to, to teach myself it's | 所以我会花钱, 即使我有这种冲动不这样做, 教自己,这是 |
| 79 | Because the evidence shows it is. | 因为有证据表明是的 |
| 80 | And whatever's happening in my brain has nothing to do with what's happening on the outside. | 我脑中发生的一切 都与外界发生的一切无关 |
| 81 | So here's what I want you to do. | 所以我要你这么做 |
| 82 | I want you to think about the phrases that you heard growing up. | 我要你考虑一下 你听到的成长的词句 |
| 83 | Maybe it's, you know, one money doesn't grow on trees, be grateful for what you have, rich | 也许,你知道,一钱 不生长在树上, 感激你所拥有的,富有 |
| 84 | people are greedy. | 人们很贪婪 |
| 85 | Okay, those things are not lessons, they're other people's thoughts that you took on. | 好吧,那些东西不是教训, 他们是别人的想法 你承担。 |
| 86 | And so once they get written into your subconscious, then they start dictating everything about | 所以一旦他们被写进你的潜意识, 然后他们开始描述所有关于 |
| 87 | ネ | |
| 88 | What jobs you take, how much money you charge, what you believe you deserve, how much money | 你拿什么工作,你收取多少钱,你认为你应得的,多少钱 |
| 89 | you spend, when you should be anxious versus excited about spending money. | 你花,当你应该 焦急和兴奋 花钱。 |
| 90 | So here's how we want to rewire our brains to think about money differently. | 因此,我们想重新调整我们的大脑, 以不同的方式思考金钱。 |
| 91 | Write down your earliest memory about money. | 写下你最早的记忆 关于钱。 |
| 92 | What did your parents say about it? | 你父母怎么说的? |
| 93 | How did they behave with it? | 他们怎么处理的? |
| 94 | That's probably your money script. | 这可能是你的钱剧本。 |
| 95 | And once you see it, you can rewrite it. | 一旦看到它,你可以重写它。 |
| 96 | And so your new script, for example, could be money is a tool that lets me create freedom | 所以,你的新剧本,比如说, 可能是钱是一个工具 让我创造自由 |
| 97 | and help more people. | 并且帮助更多的人。 |
| 98 | Once you change that internal script, your external results will start to update. | 一旦修改了内部脚本,你的外部结果就会开始更新. |
| 99 | It takes a lot of the emotion out of it. | 这需要很多的情感 从它。 |
| 100 | And once you associate positive feelings with that new narrative, you start to actually | 一旦你把积极的感情 与新的叙述联系起来, 你开始实际上 |
| 101 | see that your behaviors align with it more. | 看你的行为更符合它。 |
| 102 | The next limiting belief keeping you poor is what we call a wealth ceiling. | 下一个限制你贫穷的信念 就是我们所说的财富上限 |
| 103 | Here's the truth about it. | 现此真言. |
| 104 | You will sabotage, say it's a $200,000 opportunity, if you still see yourself as somebody who | 你会破坏,说这是一个20万美元的机会, 如果你仍然认为自己是一个 |
| 105 | only pursues a $50,000 opportunity. | 只有5万美元的机会 |
| 106 | Now why is that? | 为什么? |
| 107 | The amount of money that you have is capped by how you see yourself. | 你拥有的金钱 被你对自己的看法所压抑 |
| 108 | Just like the partner that you have, just like the job that you have, just like the | 就像你的搭档一样 就像你的工作一样 |
| 109 | house that you live in. | 房子,你住在这里。 |
| 110 | The research on this is very clear. | 这方面的研究非常清楚。 |
| 111 | Your self-concept acts as a thermostat. | 你的自我概念是自动调温器 |
| 112 | If you see yourself as somebody who earns $100,000, you'll unconsciously strive to | 如果你把自己看成挣10万美元的人 你会无意识地努力 |
| 113 | maintain that level, right? | 保持这个水平,对不对? |
| 114 | And you will not pursue a level above it. | 你将不追求任何水平。 |
| 115 | That's a really important piece. | 这是一个非常重要的作品。 |
| 116 | Now if you make $150,000, you'll probably spend an additional $50,000. | 如果你赚了15万美元,你可能还要多花5万美元。 |
| 117 | If you make $80,000, you'll stress and work until you're back at the $100,000. | 如果你赚了8万元,你就会紧张,工作到10万元才回来. |
| 118 | See what I'm saying? | 明白我的意思了吗? |
| 119 | So for me, for years, I was, I'm scrappy, I'm surviving, I'm getting by. | 因此,对我来说, 多年来,我是, 我是废品, 我活下来, 我得到了。 |
| 120 | And I remember because I got stuck when I was in my first job, making around $85,000 | 我记得是因为我第一次工作时被困住了 赚了八万五千元 |
| 121 | a year, it was like, I created this identity around it. | 一年,就像, 我创造了这个身份围绕它。 |
| 122 | I knew logically that I could make more, but one, I remember the moment I started making | 我从逻辑上知道我可以做更多 但我记得我开始做 |
| 123 | more, I started to compete and then all my money started going towards competition fees. | 更多,我开始竞争,然后我所有的钱 开始向竞争收费。 |
| 124 | The second piece is that I remember so many times when I knew I was about to start making | 第二段是,我记得这么多次 当我知道我即将开始制作 |
| 125 | more, it's like I would almost sabotage myself by getting wound up in it. | 更何况,我几乎会破坏自己 通过结束它。 |
| 126 | I was like, oh my God, what if I f*** up? | 我就像,哦,我的上帝, 如果我f***起来? |
| 127 | What if I mess up? | 如果我搞砸了怎么办? |
| 128 | What if I don't actually make more? | 如果我真的不赚更多呢? |
| 129 | And I didn't realize at the time that that was like me regulating my internal temperature. | 我当时并没意识到 这就像我调节我的内部温度。 |
| 130 | And so if your identity is, I'm somebody who struggles with money, you find ways to | 所以如果你的身份是,我是一个 与金钱斗争的人,你找到方法 |
| 131 | keep struggling. | 继续挣扎 |
| 132 | But if it's, I'm someone who creates and manages my wealth and can make more money | 但是如果是这样的话,我是创造和管理我财富 赚更多钱的人 |
| 133 | if I choose to, then you're going to find a way to live that out. | 如果我选择了,那么你会找到一种方法 来维持下去。 |
| 134 | So here's how you change this, okay? | 所以,这就是你如何改变这一点,好吗? |
| 135 | I want you to write this down. | 我要你记下来 |
| 136 | I'm the kind of person who, and then finish the sentence honestly, whatever your current | 我是那种人 谁,然后完成 句子诚实,不管你现在 |
| 137 | financial identity is. | 财务身份是。 |
| 138 | I overspend. | 我过头了 |
| 139 | I underspend. | 我花钱不够 |
| 140 | I save too much. | 我省了太多钱了 |
| 141 | I save nothing. | 我什么也没有省 |
| 142 | Then I want you to put a line down that piece of paper on the other side, right? | 然后,我要你把一条线 在另一边的纸,对不对? |
| 143 | I'm the kind of person who builds and manages wealth with ease. | 我是那种轻松地建立和管理财富的人. |
| 144 | You don't need to feel like that person yet. | 你不需要感觉 像那个人呢。 |
| 145 | You don't need to act like them just yet. | 你不需要像他们那样 |
| 146 | I just want you to actually write it down and not be repulsed by what you see on the | 我只是希望你写下来 而不是被你看到的所厌恶 |
| 147 | piece of paper. | 一张纸。 |
| 148 | I'm serious. | 我是认真的。 |
| 149 | Every time you now make a decision for money, I want you to pull up that piece of paper. | 每次你为钱做决定时 我要你拿出那张纸 |
| 150 | That's all I want you to do right now. | 这就是我想要你做的 现在。 |
| 151 | And the thing is, is that the moment that your self image expands, because you're constantly | 问题是,当你的自我形象膨胀的时候, 因为你不断地 |
| 152 | reading that, reminding yourself of it, writing a new sentence to put in your brain, your | 写一句新的句子 写进你的大脑 |
| 153 | income is going to follow that. | 收入将随之而来。 |
| 154 | The next limiting belief people have is thinking that they should buy liabilities instead of | 下一个限制 信仰的人认为 他们应该买 负债而不是 |
| 155 | assets. | 资产。 |
| 156 | Maybe just not even knowing the difference. | 也许只是不知道 区别。 |
| 157 | You were programmed to consume, not to build things, and that's why a lot of people stay | 你被编程 消费,不是建造的东西, 这就是为什么很多人留下来 |
| 158 | broke. | 破产了。 |
| 159 | Okay, Robert Kiyosaki, he wrote Rich Dad Poor Dad, one of the first books I read on money. | 好吧,罗伯特・清崎, 他写了里奇爸爸 可怜的爸爸,最早的书之一 我读关于钱。 |
| 160 | He put it very simply. | 他说得非常简单 |
| 161 | He said the rich buy assets, the middle class buys liabilities thinking they are assets. | 他说富人买资产,中产阶级买负债以为是资产. |
| 162 | Wealth is actually fairly simple. | 财富其实很简单。 |
| 163 | There are two categories, assets, liabilities. | 资产,负债有两类. |
| 164 | An asset puts money in your pocket. | 一个资产把钱放在你的口袋里。 |
| 165 | A liability takes money out of your pocket. | 责任从你的口袋里取出钱 |
| 166 | And a lot of people spend their entire lives buying liabilities and wondering why they | 很多人花一辈子时间 买债 想知道为什么 |
| 167 | can't get ahead. | 无法前进。 |
| 168 | They ask, can I afford this? | 他们问,我能负担吗? |
| 169 | Instead of, will this pay me back? | 这能还我钱吗? |
| 170 | What's my return on this? | 我有什么回报? |
| 171 | Now how do you know the difference between an asset and liability? | 你怎么知道资产和负债的区别? |
| 172 | I'll break it down in the most common cases that you probably can relate to. | 我会在最普通的案例中 分解出来 你可能可以联系到的 |
| 173 | Your car, liability, loses value immediately. | 你的车,责任,会立刻失去价值 |
| 174 | Has insurance, which is bullsh**. | 有保险,这是牛的**。 |
| 175 | Gas, maintenance, happens to it all the time. | 气,维持,常遇之. |
| 176 | Your house you live in, liability. | 你住的房子,责任。 |
| 177 | I know this is very controversial, but it's true. | 我知道这是非常有争议的,但这是真的。 |
| 178 | You have a mortgage, property tax, insurance, repairs, it doesn't generate income. | 你有抵押贷款,财产税,保险,修理, 它不产生收入。 |
| 179 | The next one, a course that teaches you a skill, asset. | 下一门课 教你技能 资产 |
| 180 | Now how does that an asset? | 那又怎样? |
| 181 | Because it pays you back through increased income because you've invested in your skills. | 因为它通过增加收入还给你 因为你已经投资你的技能。 |
| 182 | A rental property, an asset, it generates monthly income. | 出租财产,资产,每月产生收入. |
| 183 | A designer handbag, sadly a liability, okay? | 一个设计师的手提包, 可悲的是一个责任,好吗? |
| 184 | Loses value over time, doesn't, you know, generate any income. | 失去价值随着时间, 不,你知道,产生任何收入。 |
| 185 | I've had that discussion with Alex before. | 我以前和亚历克斯讨论过 |
| 186 | Equipment for your business, that is an asset if it helps you generate more revenue. | 业务设备,如果有助于你创造更多的收入,那就是资产。 |
| 187 | It's a liability if you don't use it, it just sits there. | 不使用它是一种责任,它只是坐在那里。 |
| 188 | So when I started filtering all my purchases through that, is this an asset or a liability? | 所以当我开始过滤 我的所有购买 通过,这是资产还是负债? |
| 189 | My wealth compounded because I realized, I was like, my money, if I don't put it into | 我的财富更复杂 因为我意识到 如果我不投入 |
| 190 | either of these things, actually it's just liability. | 不管是哪一种 都只是责任 |
| 191 | Money sitting in the bank, it's just deteriorating over time. | 钱在银行里,它只是 恶化的时间。 |
| 192 | So my money actually can become a liability if I don't do something with it. | 所以如果我不做点什么 我的钱实际上会变成负债 |
| 193 | And that's when I really started learning how to invest in things that create money, | 那时我开始学习如何投资创造金钱的东西 |
| 194 | in skills that create money, in learning that creates money, and in assets for my business | 创造金钱的技巧 创造金钱的学习 以及用于我生意的资产 |
| 195 | that create money. | 这创造了钱。 |
| 196 | Here's how you can start spending on what matters, okay? | 这就是你如何开始花费 在什么重要,好吗? |
| 197 | I want you to look at the last 10 purchases that you made and then next to each one, simply | 我要你看看最后的10个 购买,然后每一个,简单 |
| 198 | write asset or liability and be honest with yourself. | 写资产或负债,并对自己诚实。 |
| 199 | And then all I want you to do is just commit the next time that you buy something to just | 然后,我要你做的只是承诺 下次你买东西只是为了 |
| 200 | ask yourself, is this a liability or an asset? | 你问自己,这是负债还是资产? |
| 201 | Does it put money in my pocket eventually or does it take money out of my pocket? | 它最终会把钱放在我的口袋里 还是会把钱从我的口袋里拿走? |
| 202 | The next limiting belief is one of the hardest ones to break. | 下一个限制信仰是难以打破的信仰之一. |
| 203 | I know this because I still find myself breaking it on a continuous basis in the weirdest ways, | 我知道这一点,因为我仍然发现自己 不断打破它 在最奇怪的方式, |
| 204 | but that is the scarcity mindset. | 但这就是稀缺的心态。 |
| 205 | Okay, this sounds crazy, but having a scarcity mindset actually can make you dumber. | 好吧,这听起来很疯狂, 但有一个稀缺的心态 实际上可以让你更蠢。 |
| 206 | Here's the truth. | 这是事实 |
| 207 | You either operate from scarcity or abundance. | 你要么从稀缺 或丰富的。 |
| 208 | And I don't want you to feel bad here because as humans, we are supposed to operate from | 我不希望你在这里感到难过 因为作为人类,我们应该从 |
| 209 | scarcity. | 稀缺。 |
| 210 | Which one you choose to lean towards and train yourself into will determine how much money | 你选择靠哪一个 自己训练,会决定多少钱 |
| 211 | you make. | 你来做。 |
| 212 | The scarcity brain really just says, there's never enough. | 缺乏的大脑真的说, 永远不够。 |
| 213 | I need to protect what I have. | 我要保护我所拥有的一切 |
| 214 | I need more. | 我需要更多东西。 |
| 215 | You know, if that person has more, it means less for me. | 你知道,如果那个人有更多的, 这意味着我更少。 |
| 216 | Think about what that meant like a thousand years ago. | 想想这是什么意思 一千年前。 |
| 217 | It meant like somebody else has all the berries and you're like, f***, I need more berries | 意思是像别人 拥有所有的浆果 而你喜欢,f***, 我需要更多的浆果 |
| 218 | because I need berries to feed my children and my pack and like you're trying to get | 因为我需要浆果 来喂我的孩子和我的包, 就像你试图得到 |
| 219 | their berries because you're like, oh, you can't, there's only a certain number of berries | 他们的浆果 因为你喜欢,哦,你不能, 只有一定数量的浆果 |
| 220 | and I need to make sure I get them and not you because what if my family dies? | 我需要确保我得到他们 而不是你 因为如果我的家人死了呢? |
| 221 | That's how your brain's working, except it's working and thinking those thoughts about | 你的大脑就是这样工作的, 除了它的工作和思考这些想法 |
| 222 | something that is not finite. | 一些没有限度的东西 |
| 223 | It's something that's infinite. | 谓之无穷. |
| 224 | There's money being made every day. | 每天都在赚钱 |
| 225 | Scarcity actually changes your brain the more that you give into it. | 恐惧实际上改变你的大脑 越多。 |
| 226 | When you perceive resources as scarce that are not like money, your cognitive bandwidth | 当你觉得资源稀缺 不像钱,你的认知带宽 |
| 227 | shrinks. | 心理医生 |
| 228 | Okay, you make worse decisions. | 好吧,你做出更糟糕的决定。 |
| 229 | You can't plan long term and you only focus on immediate value. | 你无法长期规划,只注重眼前的价值. |
| 230 | So we need to reprogram these thoughts. | 所以我们需要重新规划这些想法。 |
| 231 | People with a scarcity mindset, they hoard money. | 思想匮乏的人会积蓄钱财 |
| 232 | They don't invest their money, right? | 他们不投资他们的钱,对不对? |
| 233 | They're only thinking short term, got to survive, right? | 他们只是在思考短期, 必须生存,对不对? |
| 234 | And they see every opportunity as a threat. | 他们把每一个机会都视为一种威胁。 |
| 235 | If you can tap into training yourself to have an abundant mindset, everything will change | 如果你能利用训练 拥有丰富的思维, 一切都会改变 |
| 236 | for you. | 给你的 |
| 237 | Okay, abundance mindsets, they say there's always more to create. | 好吧,丰富的思维, 他们说总是有更多的创造。 |
| 238 | I can afford to invest. | 我有能力投资 |
| 239 | I can afford to give some berries to my neighbor. | 我可以给我邻居一些浆果 |
| 240 | I can take calculator risks because there are opportunities everywhere and it is not | 我可以承担计算风险 因为到处都有机会 而不是 |
| 241 | a finite resource. | a 有限资源。 |
| 242 | It is seeing the world and all of the things it has to offer as an infinite pie rather | 它看到世界 和所有的东西 它必须提供 作为无限馅饼 相反 |
| 243 | than a finite one. | 比一个有限的。 |
| 244 | So for me, for example, when I operated from scarcity, I was terrified to spend money on | 因此,对我来说,比如,当我运行 从稀缺, 我害怕花钱 |
| 245 | things that made my life better, made me better, made my business better because I felt like, | 使我的生活更美好,让我更美好, 使我的生意更好 因为我觉得, |
| 246 | what if I never make money again? | 如果我再也不赚钱呢? |
| 247 | What if it stops coming? | 如果它停止来了呢? |
| 248 | What if something changes? | 如果有什么变化呢? |
| 249 | Especially in the first few years of business, I want to say the first three, it was really | 特别是在头几年的生意里 我想说前三年 |
| 250 | hard for me to get out of that habit. | 我很难摆脱这种习惯。 |
| 251 | And then the shift actually really happened when I realized money is almost infinite nowadays. | 那时的转变真的发生了 当我意识到现在的钱几乎是无限的。 |
| 252 | Okay, but it is renewable. | 好吧,但它是可再生的。 |
| 253 | Skills, relationships, opportunities, those things compound. | 技能,关系,机会, 这些东西复合。 |
| 254 | And so the more that I invest into myself and the more I invest in my business and the | 我对自己的投资越多 我对生意的投资就越多 |
| 255 | more I invest in my life, the more I get back tenfold. | 我投入我的生命, 我得到的十倍。 |
| 256 | And I realized that I needed to train myself out of that habit. | 我意识到,我需要 训练自己摆脱这种习惯。 |
| 257 | So I'll tell you the first thing I did. | 所以,我告诉你 我所做的第一件事。 |
| 258 | I hired a coach that was $40,000 a month when we were literally making $50,000 a month, right? | 我雇了一个教练,每月40 000美元 当我们真的每月赚5万美元,对不对? |
| 259 | And my scarcity brain was like, oh my God, you just started making this money, like you're | 而我的缺血的大脑就像, 哦,我的上帝, 你刚刚开始 赚钱,就像你 |
| 260 | going to go broke. | 要破产了 |
| 261 | What if it stops tomorrow? | 如果明天就停了怎么办? |
| 262 | My abundant brain was like, well, you made $10,000 a month, then $30,000 a month, now | 我丰富的大脑就像,嗯,你每月赚一万美元,然后每月3万美元,现在 |
| 263 | $40,000. | 4万块 |
| 264 | And you're going to be like, next month, you're probably going to make $100,000. | 你下个月可能会赚10万美元 |
| 265 | And this skill is going to help you make even more. | 这种技巧会帮助你赚更多钱。 |
| 266 | And so I said, you know what? | 所以我说,你知道吗? |
| 267 | I have to just ignore that voice. | 我不得不忽略那个声音 |
| 268 | I'm not going to listen to it. | 不听其说. |
| 269 | I can have those thoughts. | 我可以有这些想法。 |
| 270 | I don't need to listen to them and follow their directions. | 我不需要听他们的话 也不必听他们的 |
| 271 | I can go with this one instead. | 我可以用这个代替。 |
| 272 | And the cool thing is that that coach that I hired that was $40,000 a month was the reason | 很酷的是,我雇的那个教练 一个月40 000美元是原因 |
| 273 | I was able to scale one of my companies to the degree I did, which then I was able to | 我能够把一个公司 提升到我的水平,然后我就可以 |
| 274 | sell the company for tens of millions of dollars. | 卖公司几千万美元。 |
| 275 | I'm sure you're thinking, okay, but how do you build an abundant mindset? | 我敢肯定,你在想什么, 好吧,但你如何建立 一个丰富的心态? |
| 276 | Okay, here's what I want you to do. | 好吧,这就是我要你做的。 |
| 277 | One is just become aware of when you make decisions from fear versus from possibility. | 一个人只是意识到 当你从恐惧和可能性做决定时 |
| 278 | Okay, when you think, I can't afford this, I want you to reframe it, how could I afford | 好吧,当你想,我买不起这个, 我要你重塑它,我怎么能买得起 |
| 279 | this? | 这个? |
| 280 | Simplest thing you can do. | 你能做的最简单 |
| 281 | The moment you stop asking yourself, how do I protect what I have? | 你不再问自己的时候 我该怎么保护我拥有的东西? |
| 282 | And you start asking yourself, how do I create more of what I have? | 你开始问自己, 我如何创造更多我拥有的东西? |
| 283 | That's when you start asking, let's say like higher level intelligence questions and you | 这时候你开始问, 让我们说,像高级情报问题和你 |
| 284 | stop sabotaging your finances. | 停止破坏你的财务。 |
| 285 | And that's the thing I realized for myself, I was like, oh, I talk to myself like I'm | 这是我意识到的,我自己, 我很喜欢,哦,我说话自己喜欢我 |
| 286 | even when I was, had a lot of money, to be honest, and it wasn't until I realized that | 老实说,我那时有很多钱 直到我意识到 |
| 287 | that I was like really able to step into that next realm where I was like, I'm giving into | 我好像真的能够 踏入下一个领域 在那里我像,我放弃 |
| 288 | like the survival mechanism that exists in all of us humans, rather than retraining myself | 而不是自我再训练 |
| 289 | into this abundance mindset. | 进入这种丰富的心态。 |
| 290 | The next step we have is loss aversion, okay? | 我们下一步是厌倦了,好吗? |
| 291 | I want to define this for y'all. | 我想给大家下定义 |
| 292 | Loss aversion is why you keep losing investments, avoiding risk, and basically staying stuck | 失去厌恶是为什么你继续失去投资 避免风险 基本上坚持住 |
| 293 | where you are. | 你在哪,你现在在哪? |
| 294 | Because if you want to break this limiting belief, I want you to listen closely what | 因为如果你想打破这种限制信仰 我希望你仔细听 |
| 295 | I'm about to explain. | 我要解释一下 |
| 296 | There was a winning research by, it was like Daniel Kahneman and some guy named Amos, okay? | 有一个成功的研究, 它就像丹尼尔·卡恩曼 和一个叫阿莫斯的人,好吗? |
| 297 | And it showed that the pain of losing $100 is psychologically twice as powerful as the | 这表明失去100美元的痛苦 在心理上比 |
| 298 | pleasure of gaining $100. | 很高兴能赚到100美元 |
| 299 | Losing feels twice as bad as winning feels. | 失败的感觉是胜利的两倍 |
| 300 | This is why as humans, we hold losing stocks, you know, hoping that they're going to recover | 这就是为什么作为人类,我们持有 失去的股票,你知道,希望 他们会恢复 |
| 301 | instead of just cutting our losses. | 而不是仅仅减少我们的损失。 |
| 302 | We stay in dead end jobs. | 我们继续做死活 |
| 303 | We stay in bad relationships. | 我们的关系不好 |
| 304 | We don't negotiate salaries. | 我们不谈判薪水。 |
| 305 | We avoid investing because the fear of loss outweighs the potential gain. | 我们避免投资,因为担心损失大于潜在收益。 |
| 306 | So for me, for example, I stayed in a terrible job for probably two years longer than I should | 举例来说,对于我来说, 我在一个可怕的工作里呆了两年 可能比我应该呆的要长两年 |
| 307 | have because I felt like if I ended it, I was losing. | 因为我觉得如果我结束它, 我输了。 |
| 308 | But the funny thing is like staying in that job cost me way more. | 但有趣的是 留在那份工作让我付出了更大的代价 |
| 309 | It was like money, mental energy, mental health, who knows how many years off my life, because | 这就像钱, 精神能量, 心理健康, 谁知道多少年了我的生活,因为 |
| 310 | the fear of loss was bigger than the logic of leaving. | 失去的恐惧比离开的逻辑要大 |
| 311 | Your brain is designed to protect what you have, not to pursue what you could have. | 你的大脑是为了保护你所拥有的,而不是追求你可能拥有的东西. |
| 312 | And that is why most people never actually take risks to build well. | 这就是为什么大多数人从不 冒风险建设好。 |
| 313 | And then they say, oh, there's something wrong with me. | 然后他们说,哦,我有问题。 |
| 314 | I feel like what if I lose? | 我觉得如果我输了怎么办? |
| 315 | I'm like, there's nothing wrong with you. | 我好像,你没有问题 |
| 316 | You're a human. | 你是一个人类。 |
| 317 | I don't know how many times I have to say this. | 我不知道我要说多少遍 |
| 318 | Like we're all wired this way. | 碞钩и常琌硂娩 |
| 319 | I'm wired this way. | 我用这条线 |
| 320 | You're wired this way. | 这边有线 |
| 321 | If I can do it, you can do it. | 如果我能做到这一点,你可以做到这一点。 |
| 322 | I promise. | 我保证 |
| 323 | Okay. | 摆 |
| 324 | So here's how you break that cycle. | 这就是你如何打破循环。 |
| 325 | You need to reframe every loss as tuition. | 你需要把每笔损失都重新定义为学费。 |
| 326 | If you lost $50,000 on a business venture, abundance is going to say, you paid $50,000 | 如果你在生意上输了五万元 富人会说 你付了五万元 |
| 327 | for an education that will make you millions. | 为了教育, 会让你数百万。 |
| 328 | When I changed that frame for myself, the loss stopped controlling me. | 当我自己换了那个框时 损失就不再控制我了 |
| 329 | In fact, recently I had a business decision and there was, you know, about a three million | 事实上,最近我有一个商业决定, 而且有,你知道,大约300万 |
| 330 | dollar delta between what somebody was saying something was and somebody else was saying | 美元三角洲在别人说的东西 别人说 |
| 331 | something was. | 东西是。 |
| 332 | And I ended up just going and agreeing with this person because I said, I think this is | 我最后还是同意了这个人 因为我说,我认为这是 |
| 333 | the right way forward. | 正确的前进方向。 |
| 334 | And I think that I actually should have defined terms earlier in the relationship to make | 而且我认为,实际上我应该 更早地定义 术语在关系 |
| 335 | it more clear. | 更清楚一点 |
| 336 | I hadn't done that. | 我没有那么做 |
| 337 | And so, you know, when I was telling the story about this, it was just a week ago, I said, | 所以,你知道,当我讲这个故事的时候, 这只是一个星期前,我说, |
| 338 | yeah, I paid $3 million to learn this lesson. | 是的,我花了300万美元来吸取教训。 |
| 339 | And you know what? | 你知道吗? |
| 340 | I would pay $3 million again to learn that lesson. | 我会再付三百万来吸取教训 |
| 341 | The last limiting belief might be the most important one to break. | 最后一个限制信仰可能是最重要的。 |
| 342 | And this is what we call the time trap. | 这就是我们所谓的时间陷阱。 |
| 343 | Most people spend their entire lives trying to save money. | 大多数人一生都在努力省钱. |
| 344 | And that is what keeps them from making money. | 这就是阻止他们赚钱的原因。 |
| 345 | Ironically, they forget that money multiplies, but time doesn't multiply. | 具有讽刺意味的是,他们忘记了金钱的倍增,但时间却不增加. |
| 346 | Okay. | 摆 |
| 347 | And that is why you want to save time instead of saving money. | 这就是为什么你想节省时间而不是节省钱。 |
| 348 | So here's what I mean. | 所以,这就是我的意思。 |
| 349 | If you make $100 an hour, doing anything worth less than $100 an hour is costing you money. | 如果你每小时赚100美元, 做任何价值不到100美元 每小时的费用。 |
| 350 | So if you spend two hours cleaning your house, instead of hiring someone $50, you didn't | 所以,如果你花两个小时清理你的房子, 而不是雇用一个人50美元,你没有 |
| 351 | save $50. | 节省50美元。 |
| 352 | You lost $150 because two hours at $100 minus the $50 you didn't pay. | 你损失了150美元,因为两小时100美元减去你没有支付的50美元。 |
| 353 | Wealthy people understand this. | 有钱人明白这一点。 |
| 354 | They buy time. | 他们赢得时间。 |
| 355 | They hire assistants, meal prep services, housekeepers, not because they're lazy, but | 他们雇助理 餐饮服务 管家 不是因为他们懒惰 |
| 356 | because their time is worth more. | 因为他们的时间更值钱 |
| 357 | They put it elsewhere. | 他们把它放在别处。 |
| 358 | And guess what? | 你猜怎么着? |
| 359 | I didn't just do this now when I had a lot of money. | 我不只是在有钱的时候这么做的 |
| 360 | I did this when I first had barely any money. | 我做这个的时候,我第一次 几乎没有任何钱。 |
| 361 | The first thing I hired was an assistant. | 我雇的第一件事是助理 |
| 362 | When I was barely had enough money to hire six people for my team, I hired an assistant | 当我没有足够钱为我的团队雇用六人时 我雇了一个助手 |
| 363 | because I said, you know what? | 因为我说,你知道吗? |
| 364 | This is what rich people do. | 有钱人就是这样的 |
| 365 | They hire people to get their time back. | 他们雇人找时间回去 |
| 366 | And if I have to like take care of this and that in the house, then like I'm not going | 如果我喜欢照顾这个 和那个在房子里, 那么像我不去 |
| 367 | to be making money. | 赚钱。 |
| 368 | And it was the best decision I ever made. | 这是我做过的最好的决定 |
| 369 | Whereas poor and middle class, they tend to sell time, right? | 而穷人和中产阶级往往会出卖时间,对吧? |
| 370 | They're trading hours for dollars and do everything themselves to save money and then | 他们以美元换取时间 自己尽力节省钱 然后 |
| 371 | wonder why they're not getting ahead. | 想知道为什么他们不提前。 |
| 372 | And so when I started filtering every decision through, does this buy me time or cost me | 所以当我开始过滤 每一个决定通过, 这是否给我时间或花费我 |
| 373 | time? | 时间? |
| 374 | Everything changed. | 一切都变了 |
| 375 | I stopped doing the $10 an hour tasks, hired help, automated things, and I focused really | 我停止了每小时10美元的工作, 雇用了帮手,自动化的事情, 我专注于真正 |
| 376 | on the work that was, you know, say $1,000 an hour. | 说每小时1000美元 |
| 377 | And you can calculate how much money you make per hour by asking yourself, how much money | 你可以计算你每小时赚多少钱 问问你自己,多少钱 |
| 378 | do I make in a year and divided by how many hours a year there are. | 我一年能赚多少,每年有多少小时。 |
| 379 | That's it. | 就这样 |
| 380 | So like right now, I know how much I make per hour. | 所以现在,我知道我每小时赚多少钱。 |
| 381 | So then I'll ask myself, I even have it on one of my Asana cards for people. | 然后,我会问自己, 我甚至有它在我的一张Asana卡 为人们。 |
| 382 | I'll say, is this worth, you know, $50,000 for Layla to do this if it's going to take | 我要说,这是值得的,你知道,5万美元 莱拉这样做,如果它要 |
| 383 | an hour? | 一个小时? |
| 384 | Now, here's the thing. | 事情是这样的 |
| 385 | If you're able to do this, you will make more money in less time, which then you reinvest | 如果你能够做到这一点, 你会赚更多的钱 在更少的时间, 然后你再投资 |
| 386 | into more leverage. | 进入更多的杠杆。 |
| 387 | And then that leverage creates freedom for you because things that you have leverage | 然后这种杠杆为您创造自由 因为你有杠杆的东西 |
| 388 | on, they take less of your time and create money. | 他们少花点时间创造金钱 |
| 389 | They're how you get free. | 他们是你自由的方式 |
| 390 | Right. | 对 |
| 391 | So how do you get out of that trap? | 那你怎么摆脱这个陷阱? |
| 392 | Calculate your hourly rate, your annual income divided by 2000 work hours, then audit your | 计算小时工资,年收入除以2 000个工作小时,然后审计您 |
| 393 | time. | 时间。 |
| 394 | Ask yourself, how many things am I doing that are not worth this? | 问问你自己 我做了多少不值得做的事? |
| 395 | My favorite thing that somebody will do in one of my companies is they'll come to me | 我最喜欢的是我公司的人 会来找我 |
| 396 | and tell me that they're doing tasks that are not worth how much I'm paying them. | 并告诉我,他们做的 任务不值得我支付多少。 |
| 397 | My favorite thing in the world. | 我最喜欢的东西在世界上。 |
| 398 | I had someone do it recently. | 我最近让别人做了 |
| 399 | They said, look, how many hours I'm spending on admin tasks. | 他们说,你看,我花了多少小时 管理任务。 |
| 400 | And they had actually gone through their calendar for the last four weeks and they calculated | 他们过去四个星期的历程 他们计算 |
| 401 | it. | 这个 |
| 402 | And I was horrified by how much time and I immediately hired them assistant. | 我被多少时间吓坏了 我立刻就雇了他们的助手 |
| 403 | And they started literally three days ago. | 他们三天前就开始了 |
| 404 | That's all because anybody who thinks in terms of getting a good return, I'm going to hire | 这是因为任何想得到好回报的人 我都会雇你 |
| 405 | that person for somebody else as well. | 那个人也是为了别人 |
| 406 | So here's my challenge for you. | 所以,这是我给你的挑战。 |
| 407 | I want you to pick just one of the shifts from this video. | 我要你从这段视频中挑一个班 |
| 408 | And I want you to say, this is the one where I think I'm going to get the most gains. | 我想让你说,这是我想得到最多收益的地方。 |
| 409 | I'm going to start practicing this week. | 这周我要开始练习了 |
| 410 | And if you like this video, don't forget to check out my next one and subscribe. | 如果你喜欢这段视频, 别忘了检查我的下一张并订阅。 |
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