【财富思维】10个帮我省大钱的朴实习惯 · 存钱秘诀
共 3 集
剧集目录
| 集 | 标题 | 时长 |
|---|---|---|
| P1 | 【财富思维】10个帮我省大钱的朴实习惯 · 存钱秘诀 中英字 | 16:23 |
| P2 | 【财富思维】10个帮我省大钱的朴实习惯 · 存钱秘诀 英文字 | 16:23 |
| P3 | 【财富思维】10个帮我省大钱的朴实习惯 · 存钱秘诀 无字幕 | 16:23 |
P1 · 【财富思维】10个帮我省大钱的朴实习惯 · 存钱秘诀 p01 中英字幕 (P1)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | So I think most people feel like money should be kind of sexy, but I learned that building real | 所以我认为大多数人觉得钱应该很性感 但我学会了造真的 |
| 0:05 | wealth is by doing the things that really aren't. | 财富就是做那些真正不是的东西 |
| 0:08 | In fact, the more boring your money feels, | 事实上 你的钱越无聊 |
| 0:11 | the better you're going to do. | 你会做得更好 |
| 0:12 | So today I'm going to share with you 10 of the most boring | 所以今天我要和你们分享 最无聊的10个 |
| 0:15 | and very unsexy habits that I do to save serious money. | 和非常不性感的习惯 我这样做来节省严重的钱。 |
| 0:20 | And it's really these tiny daily habits | 这真的是这些微小的日常习惯 |
| 0:22 | that have made the biggest impact on my finances. | 对我的财务影响最大 |
| 0:25 | And the best part is that they're not really hard | 最好的部分是,它们并不难 |
| 0:27 | to do at all. | 做一点。 |
展开字幕全文（358 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | So I think most people feel like money should be kind of sexy, but I learned that building real | 所以我认为大多数人觉得钱应该很性感 但我学会了造真的 |
| 2 | wealth is by doing the things that really aren't. | 财富就是做那些真正不是的东西 |
| 3 | In fact, the more boring your money feels, | 事实上 你的钱越无聊 |
| 4 | the better you're going to do. | 你会做得更好 |
| 5 | So today I'm going to share with you 10 of the most boring | 所以今天我要和你们分享 最无聊的10个 |
| 6 | and very unsexy habits that I do to save serious money. | 和非常不性感的习惯 我这样做来节省严重的钱。 |
| 7 | And it's really these tiny daily habits | 这真的是这些微小的日常习惯 |
| 8 | that have made the biggest impact on my finances. | 对我的财务影响最大 |
| 9 | And the best part is that they're not really hard | 最好的部分是,它们并不难 |
| 10 | to do at all. | 做一点。 |
| 11 | So let's start with the most boring habit that I think you're going to be shocked by. | 所以,让我们从最无聊的习惯开始 我认为你会被震惊。 |
| 12 | But that is eating the exact same food every single week. | 但每星期都吃同样的食物 |
| 13 | It really helps make your grocery | 帮你做杂货 |
| 14 | bill a lot more predictable. | 法案更可预测。 |
| 15 | We stick to the exact same grocery list every single week, | 我们每个星期都要遵守同样的杂货单 |
| 16 | and besides a few sales and maybe grocery inflation here and there, our grocery bill | 除了一些销售 和也许杂货 通货膨胀在这里和那里,我们的杂货账单 |
| 17 | has stayed pretty much the same. | 一直没变 |
| 18 | And surprisingly, this does not get boring. | 令人惊讶的是,这不会变得无聊。 |
| 19 | All you need to do is | 你只需要做点什么 |
| 20 | four or five different recipes that you can rinse and repeat. | 四五种不同的食谱,你可以洗涤和重复. |
| 21 | You'll never stress about | 你永远不会紧张 |
| 22 | what's for dinner. | 晚饭吃什么? |
| 23 | Food gets made at home so you're not wasting money on door dash and eating out. | 食物是在家里制造的 所以你不要浪费钱 在门前和吃饭。 |
| 24 | And I think it creates less food waste overall. | 我认为这可以减少食物浪费。 |
| 25 | So it might sound boring and even unhinged to | 可能听起来很无聊,甚至不高兴 |
| 26 | some of you, but I love it and it really works. | 你们中的一些人, 但我喜欢它,它真的工作。 |
| 27 | And if eating the same thing every single week | 如果每个星期都吃同样的东西 |
| 28 | sounded super boring, then you're really going to think this one is really boring. | 听起来很无聊 然后你会觉得这个真的很无聊 |
| 29 | And that is | 这就是 |
| 30 | cleaning out the fridge and the freezer before we go shopping again. | 我们再去买东西之前 把冰箱和冰箱都清理干净 |
| 31 | And this is something that | 而这个东西 |
| 32 | does feel kind of boring, but again, it reduces on food waste. | 但还是会减少食物浪费 |
| 33 | It minimizes the amount of times | 它能将时间最小化 |
| 34 | that we need to go shopping and it really teaches you to use what you have. | 我们需要去购物 它真的教你用你拥有的东西。 |
| 35 | Part of our grocery | 我们的杂货店 |
| 36 | routine is doing one big Costco haul once a month where we do buy things in bulk, usually meat, | 例行公事是做一个大好市多 每月一次 在那里,我们确实购买的东西 散装,通常肉, |
| 37 | dairy and eggs. | 奶和鸡蛋。 |
| 38 | But by the time we are ready to do our big restock, we have pretty much eaten | 但是,当我们准备好做 我们的大补丁, 我们几乎吃了很多 |
| 39 | everything in the fridge, freezer and pantry before we go. | 冰箱、冷藏柜和储藏室里的东西都放进去了 |
| 40 | Because the less food you waste, | 因为你浪费的食物越少 |
| 41 | the less money you waste. | 你浪费的钱越少 |
| 42 | Here one second, I'll take you on a bit of a fridge tour. | 等一下,我带你去一个冰箱旅游 |
| 43 | So we just recently did a big Costco restock. | 所以我们刚刚做了一个大好市多补丁。 |
| 44 | So we have frozen beef here. | 所以我们把牛肉冷冻了 |
| 45 | We have some frozen | 我们有些冰冻 |
| 46 | veggies, frozen fruits and berries for smoothies. | 蔬菜,冰冻的水果和浆果,用作冰沙. |
| 47 | Here I've got some frozen salmon, frozen chicken | 我这儿有冷冻的鲑鱼,冷冻的鸡肉 |
| 48 | thighs, chicken breasts. | 大腿,鸡胸。 |
| 49 | So we're good for a while there. | 所以,我们有一段时间好。 |
| 50 | We buy a ton of dairy in bulk. | 我们批量买了一吨牛奶 |
| 51 | So I feel | 所以我觉得 |
| 52 | the yogurt and the cottage cheese from Costco is just simply the best deal. | 酸奶和来自好市多的奶酪只是最好的交易 |
| 53 | We always get a bunch | 我们总是有一堆 |
| 54 | of eggs. | 鸡蛋。 |
| 55 | These last us quite a long time. | 这些都持续了很长时间。 |
| 56 | Another tip if you do get bored of eating the same thing | 如果你真的厌倦了吃同样的东西,那又一个小费 |
| 57 | every week is just to change up your sauces. | 每周都换酱汁 |
| 58 | So we always keep a barbecue sauce here. | 所以我们总是在这里放烧烤酱 |
| 59 | I always have | 我总是这样 |
| 60 | different soy sauces, light soy sauce, dark soy sauce, sriracha, honey, things like that to | 不同的酱油,轻的酱油, 黑的酱油,sriracha,蜂蜜,类似的东西 |
| 61 | make a bunch of different sauces. | 做一堆不同的酱汁。 |
| 62 | So that will last us a while, but once all that is gone, | 这会让我们持续一段时间 但一旦这一切消失 |
| 63 | then that's when we start getting into eating things like tuna, pasta, and we really try to | 然后我们开始吃金枪鱼 面条之类的东西 我们真的想 |
| 64 | empty everything out before we go and restock again. | 把所有东西都清空 然后再去休息 |
| 65 | Basically when we're getting close to our | 基本上当我们接近我们 |
| 66 | grocery restock time, we do a use what you have week. | 杂货店休息时间,我们利用你一周的时间 |
| 67 | And it saves money because I'm grocery | 这能省钱 因为我是杂货店的 |
| 68 | shopping less and it becomes very easy to actually eat what you bought instead of filling up your | 买的少了 吃你买的 而不是填满你买的 |
| 69 | pantry accumulating things that you're never going to eat. | 储存你永远吃不下的东西 |
| 70 | And speaking of eating everything | 说到吃东西 |
| 71 | that you buy, that's where I also stopped buying everything in bulk. | 你买,这就是我 也停止购买所有批量。 |
| 72 | I think some of the most | 我觉得一些最 |
| 73 | common advice I heard to save money was to basically shop at Costco for everything. | 我听说节省钱的共同建议 就是在好市多买东西 |
| 74 | And I | 还有我 |
| 75 | do think buying in bulk and shopping at Costco does save money in certain areas, but at other | 倒觉得在好市多买东西 在某些地方可以省钱 但在其他地方 |
| 76 | times it can be more expensive. | 可能更贵 |
| 77 | And if you're not feeding a family of five, you don't need to buy | 如果你没有养活一个五个家庭, 你不需要买 |
| 78 | everything in bulk. | 所有的东西都是批量的。 |
| 79 | Like Jeff and I do eat a lot. | 就像杰夫和我经常吃一样 |
| 80 | So where we do find value and save money is in | 因此,我们找到价值 和节省的钱是在 |
| 81 | buying things like most meats, fish, dairy, and eggs from Costco and maybe, you know, toilet paper, | 从好市多买肉、鱼、奶和鸡蛋 可能还有卫生纸 |
| 82 | but almost everything else we buy fresh and individually. | 但几乎所有其它的 我们购买新鲜和单独。 |
| 83 | And that's because if we bought | 因为如果我们买了 |
| 84 | in bulk, again, the food would just go bad and we were going to waste it. | 成批地,再次, 食物只是去坏, 我们要去浪费它。 |
| 85 | Like I can't tell you | 就像我不能告诉你 |
| 86 | how many times I tried buying those bags of avocados from Costco and we just couldn't keep | 多少次我试图从好市多买这些袋鳄梨 我们只是无法保存 |
| 87 | up with them before they went bad. | 在他们变坏之前和他们在一起 |
| 88 | So especially for food that goes bad, I'll buy one or two of | 所以,特别对于坏的食物, 我会买一两 |
| 89 | them and just focus on finishing that first because you know what? | 他们只是专注于完成 首先因为你知道吗? |
| 90 | You can food shop for | 你可以去买东西 |
| 91 | your fantasy self too and you can think you're going to eat something and then you never get | 你幻想中的自我,你可以认为 你会吃的东西,然后你永远不会得到 |
| 92 | to it because that shit's expensive and we're trying to save money here. | 因为那玩意很贵 我们想在这里省钱 |
| 93 | And I know eating | 我知道吃东西 |
| 94 | what you have is not as exciting as DoorDash and neither is this next habit, but I don't actually | 你没有像DoorDash那样激动人心 下个习惯也一样 但我其实没有 |
| 95 | feel like I'm sacrificing anything here and that is with my daily coffee routine. | 感觉就像我牺牲了这里的一切 和我的日常咖啡常规。 |
| 96 | So I find it's | 所以我觉得 |
| 97 | not the daily takeout latte that's the problem, it's the spending on autopilot thing. | 问题不在于日常拿铁 而是自动驾驶方面的开支 |
| 98 | So here's | 所以这里 |
| 99 | my philosophy when it comes to this. | 我的哲学在这件事情上。 |
| 100 | I like to save my cafe spending, sort of my special coffee, | 我喜欢节省我的咖啡店开支 那种我特殊的咖啡 |
| 101 | for either socializing or if I'm working from home or something like that, then I like to use | 要么去社交 要么我在家工作 要么那样的话 我喜欢用 |
| 102 | it as an excuse to break up my day. | 以此为借口来打破我的一天。 |
| 103 | Otherwise I just wouldn't leave the house. | 否则我就不离开房子了 |
| 104 | That is where I find | 这是我发现的地方 |
| 105 | the most joy in spending money on coffee like that. | 最快乐的是在咖啡上花钱 |
| 106 | And that's where spending six dollars on a latte | 在那里花六美元买拿铁 |
| 107 | actually, you know, adds something to my life. | 实际上,你知道, 增加的东西我的生活。 |
| 108 | It's about the experience. | 这是关于经验。 |
| 109 | But for daily survival | 但为了日常生存 |
| 110 | coffee, one sec this is gonna get loud, then I stick to making it at home. | 咖啡,一秒钟,这是要去大声的, 然后我坚持做在家里。 |
| 111 | And this is not to be | 这不会是 |
| 112 | like super frugal or anything, it does save money, but it's just to turn my need for coffee, this is | 像超级节俭什么的, 它确实节省了钱, 但是它只是让我 需要咖啡,这是 |
| 113 | my survival habit. | 我的生存习惯。 |
| 114 | It's to make sure that it just doesn't turn into a daily expense and one that | 它是为了确保它只是 不变成日常开支和 |
| 115 | just isn't special anymore. | 只是不再特别了。 |
| 116 | I don't want to get so used to buying coffee out all the time that it | 我不想老是买咖啡出来 |
| 117 | just doesn't mean anything to me. | 只是不意味着什么对我来说。 |
| 118 | But that doesn't mean that you can't romanticize your coffee | 但这并不意味着你不能把咖啡浪漫化 |
| 119 | experience at home. | 在家里的体验。 |
| 120 | I still like to buy the good beans from our local cafe. | 我还是喜欢从当地的咖啡馆买好豆子 |
| 121 | I make it in a Chemex | 我用化学药剂做的 |
| 122 | like this, I'll pour over in fancy style. | 像这样,我会倒过来的花样。 |
| 123 | Like this is very... | 就像这个... |
| 124 | 这感觉像2016-17 Instagram | |
| 125 | YouTube怀旧吗? | |
| 126 | I feel like it was all about coffee montages at that time on YouTube. | 我觉得那时在YouTube上都是关于咖啡蒙太奇的 |
| 127 | But I | 不过 |
| 128 | make my coffee like this every single day. | 每天都这样煮咖啡 |
| 129 | And it's nice, it forces you to slow down. | 这很好,它迫使你慢下来。 |
| 130 | I wish you could | 我希望你能够 |
| 131 | smell this right now, it is so good. | 现在闻闻,它是如此的好。 |
| 132 | So depending on what beans you buy, you might not save a ton | 所以,取决于你买什么豆子, 你可能不会节省一吨 |
| 133 | of money here, but it does help with that mindless daily autopilot spending and it just feels good. | 钱在这里,但它确实 帮助无脑的日常自动驾驶开支, 它只是感觉很好。 |
| 134 | And now we wait. | 现在我们等待。 |
| 135 | This is actually my second coffee of the day, I don't think I actually need this, | 这是我今天的第二杯咖啡 我想我不需要这个 |
| 136 | but we're filming. | 但我们在拍摄 |
| 137 | So like I said, I'm not saying don't buy your coffee, buy it if you want to, | 所以,正如我说的,我不是说 不要买你的咖啡,如果你想买它, |
| 138 | I just like to buy mine with intention. | 我只想买我的 |
| 139 | Okay, so this next habit is going to save you a ridiculous | 好吧,所以这个下个习惯 会救你一个荒谬的 |
| 140 | amount of money though, and that is stop shopping to kill time. | 钱的多少, 而这就是停止购物 以消耗时间。 |
| 141 | And you know, this one used to be a | 你知道,这个曾经是一个 |
| 142 | tough one for me because I was a full-blown shopaholic for years. | 对我而言很艰难,因为我多年来都是个彻头彻尾的商店狂 |
| 143 | Basically, the only way | 基本上,唯一的办法 |
| 144 | I knew how to spend any moment of downtime I had was by shopping. | 我知道如何花 任何一分钟的停机时间 我通过购物。 |
| 145 | So things like avoiding | 所以,事情喜欢避免 |
| 146 | shopping on your phone, shopping when you're on your lunch break or have any downtime, | 在你的手机上购物, 购物 当你的午餐休息或有任何休息时间, |
| 147 | it's going to save you a ton of money because straight up ignorance is bliss. | 它会节省你一吨钱 因为直立的无知是幸福。 |
| 148 | Because the truth | 因为真相 |
| 149 | is the more you let yourself browse, the more you're going to find something to want. | 越是让你自己浏览, 你会找到想要的东西。 |
| 150 | And the | 还有 |
| 151 | more that thing is going to take away your attention and your money. | 那东西会夺走你的注意力和钱 |
| 152 | And you know what, | 你知道吗, |
| 153 | it is boring because I love to buy stuff. | 无聊是因为我喜欢买东西 |
| 154 | But there were a few things that did help me come | 但有几件事情帮助我来了 |
| 155 | up with new habits to replace that boredom shopping. | 用新习惯代替无聊的购物 |
| 156 | One was to find a hobby that was | 一个是找到一个爱好 |
| 157 | either challenging or creative. | 挑战性或创造性。 |
| 158 | So at the very beginning, I was doing things like making YouTube | 所以,一开始,我在做一些事情 像制作YouTube |
| 159 | videos, posting on social media. | 视频,在社交媒体上发布. |
| 160 | And nowadays, because I do do content more on a full-time basis, | 而现在,因为我做更多的 满足全时, |
| 161 | I've replaced a lot of my boredom downtime with more challenging hobbies, like going to the gym. | 我用更具挑战性的爱好代替了很多无聊的休息时间,比如去健身房. |
| 162 | I recently ran a half marathon, so I had to do a ton of training for that. | 最近我跑过半个马拉松, 所以我不得不做一吨的训练。 |
| 163 | And when you're not | 当你不是 |
| 164 | spending your downtime shopping, you will learn to spend your time doing other things. | 花你的休息时间购物, 你会学会花你的时间做其他的事情。 |
| 165 | Things that end up feeling more productive, more fun, more creative, even just like more | 最终会觉得更有生产力 更有趣 更有创意 更像更多 |
| 166 | wholesome in general. | 总体来说是健康的 |
| 167 | Things that you can do that make you feel proud and make you feel accomplished. | 你可以做的让你感到骄傲 让你感到成就 |
| 168 | Even something as simple as going on a walk or going to read a book, instead of just filling | 甚至像散步或者看书一样简单 而不是只是填满 |
| 169 | your time with shopping, it's going to save you a ton of money. | 你买东西的时间会节省一吨钱的 |
| 170 | But it's also just going to be so | 但它也只是会如此 |
| 171 | better and healthier for you over time too. | 过一段时间你也会更健康 |
| 172 | And you know, that is not to say that I don't shop now | 你知道,这不是说我现在不买东西 |
| 173 | because I definitely do. | 因为我绝对有 |
| 174 | But the other thing I started doing with this boredom scrolling in | 但还有一件事我开始做 无聊的卷卷英寸 |
| 175 | particular is to set boundaries around it. | 特别的就是在它周围设定界限。 |
| 176 | So for example, I'm not allowed to buy anything if I have | 所以,比如,我不允许买任何东西,如果我有 |
| 177 | just woken up first thing in the morning. | 刚早上醒来 |
| 178 | I find that used to be a very kind of vulnerable time for | 我发现那曾经是一个非常脆弱的时间 |
| 179 | me. | 来啊 |
| 180 | Other things is like, I can't make a big purchase unless I'm on my laptop. | 其他事情就像,我不能做一个大采购 除非我在我的笔记本电脑。 |
| 181 | Or if I do | 或者说,如果我做了 |
| 182 | go shopping, which is okay to do, I either schedule it in ahead of time, do it in person, | 去购物,这是可以做的, 我要么提前安排,当面做, |
| 183 | or let myself do it after I've accomplished the things that I want to accomplish for the day. | 或者让我自己完成我今天想完成的任务 |
| 184 | So a combination of setting boundaries and limits around shopping and finding new ways to spend your | 因此,结合 设定界限和限制 围绕购物 和寻找新的方法 花你 |
| 185 | time. | 时间。 |
| 186 | Yeah, it might not be as fun, especially initially, but it's going to save you a ton of | 是啊,这也许没有那么有趣, 特别是最初, 但它会节省你一吨 |
| 187 | money in the long run. | 从长远来看,是钱 |
| 188 | And this really closely relates to my next habit that has really been a | 这和我的下个习惯密切相关 |
| 189 | money and that is simply having a boring weekly routine. | 钱,那只是一个无聊的每周例行公事。 |
| 190 | Like if I'm quite honest, | 就像如果我很诚实, |
| 191 | I don't live a very exciting life at all. | 我活得一点也不刺激 |
| 192 | I don't go on a bunch of big vacations, | 我不会去一大堆度假, |
| 193 | I don't go to events, and I don't mind it. | 我不参加活动,我不介意 |
| 194 | I like it that way. | 我喜欢这样 |
| 195 | Because the truth is having a boring | 因为事实很无聊 |
| 196 | routine protects your wallet. | 常规保护您的钱包。 |
| 197 | Because when I don't have a routine is when I start to sort of just | 因为当我没有例行公事时... 就是当我开始... |
| 198 | default to the other path of least resistance, which ultimately leads me to my phone, scrolling | 默认到另一条阻力最小的路径, 这最终引导我 我的手机,滚动 |
| 199 | social media, and then finding something to buy that I didn't even know existed in the first | 社会媒体,然后找到买的东西 我什至不知道在第一 |
| 200 | place. | 地点。 |
| 201 | It's also where I see people go on amazing trips and go to amazing dinners and I start to | 这也是我看到人们去 令人惊奇的旅行, 去令人惊奇的晚餐,我开始 |
| 202 | feel this pressure that I need to keep up and do the same thing instead of just keeping the blinders | 感觉压力,我需要跟上 做同样的事情 而不是只是保持盲目 |
| 203 | on and rolling with my routine that's been working for me. | 继续我的日常工作 |
| 204 | And don't get me wrong, because this | 别误会,因为这个 |
| 205 | definitely doesn't mean that I don't want to travel or that I don't like going out to restaurants and | 肯定不代表我不想旅行 或者我不想去餐馆 |
| 206 | new things and experiences. | 新的东西和经验。 |
| 207 | But at the end of the day, having a structured and predictable | 但是,在一天结束时, 一个结构化和可预测的 |
| 208 | routine that I can fall back on, it keeps me consistent and it keeps me moving in the | 例行公事,我可以倒回去, 它保持我的一致性, 它让我移动在 |
| 209 | direction that I want to go. | 我想走的方向。 |
| 210 | I don't know, I love the boring life. | 我不知道,我喜欢无聊的生活。 |
| 211 | Okay, but now let's get into the | 好吧,但现在让我们进入 |
| 212 | next habit, which will not only be a game changer for your wallet, but you're going to get that glow | 下个习惯,这不仅会是一个游戏 改变你的钱包, 你会得到的光芒 |
| 213 | too. | 也一样。 |
| 214 | And that is saving money on your skincare and beauty routine. | 这就是节省钱 在你的皮肤护理和美容常规。 |
| 215 | Okay, so listen, if you're | 好吧,所以听着,如果你是 |
| 216 | trying to get that glow, you do not need a 10, 20, 30 step skincare routine. | 为了获得光芒,你不需要 10,20,30步的皮肤护理常规。 |
| 217 | When I was doing the | 当我做 |
| 218 | most for my skin and spending the most money on it, it looked like this. | 最多是为了我的皮肤 花最多的钱 看起来像这样 |
| 219 | And the moment that I | 而那一刻,我 |
| 220 | simplified my skincare routine, narrowed it down to around four or five products where the majority | 简化我的皮肤护理程序, 缩小到大约四到五种产品, |
| 221 | of them are either from the drugstore or Korean skincare was when I started to get the skin I | 他们要么是药店的 要么是韩国的皮肤护理 当我开始得到皮肤时 |
| 222 | actually wanted. | 其实是想要的 |
| 223 | Not an ad, this is just what I'm using. | 不是广告,我只是用这个 |
| 224 | This is the skin cleanser that I'm using | 这是我使用的皮肤净化器 |
| 225 | right now. | 现在 |
| 226 | It is from the drugstore. | 是从药店来的 |
| 227 | One bottle is probably under $20 and this has lasted me like | 一瓶可能还不到20美元 这让我忍不住 |
| 228 | half of the year already and I still have so much left to go. | 半年了,我还有好多事要做 |
| 229 | But this is basically my entire skincare | 但这基本上是我的整个皮肤护理 |
| 230 | routine morning and night right now. | 例行的早上和晚上 现在。 |
| 231 | It's affordable, it's effective, I feel like the skin is skinning. | 价格低廉,效果好,我觉得皮肤在剥皮. |
| 232 | So in this case, the more boring, the more simple, the better. | 所以在这种情况下,越无聊,越简单,越好. |
| 233 | And speaking of simplifying your | 说到简化你 |
| 234 | skincare, I think there is something to be said about simplifying your makeup routine too. | 皮肤护理,我想有些事情要说 简化你的化妆程序。 |
| 235 | Because | 因为 |
| 236 | I feel like I had to learn the hard way as a recovering over consumer that half of the key | 我觉得我不得不学习艰难的方法 作为一个复苏过消费者 那一半的钥匙 |
| 237 | to saving money is using up what you bought. | 储蓄是用你买的 |
| 238 | Which for my makeup lovers out there means you | 对我的化妆爱好者来说 就是说你 |
| 239 | got to do a project pan, aka just using up your makeup before you buy more. | 得做一个项目锅,AKA 只是用完你的化妆品之前,你购买更多。 |
| 240 | I've actually been | 其实我是 |
| 241 | doing my own project pan since November of 2024 and if I learned anything, it is that it takes | 从2024年11月开始做我自己的工程 如果我学到了什么 那就是需要 |
| 242 | forever to use up a makeup product. | 永远用在化妆品上 |
| 243 | I have been working on this concealer for a year and a half | 我研究这个隐藏器一年半了 |
| 244 | and look at how much I still have left. | 看看我还剩下多少 |
| 245 | And the thought of using what you have, it does feel | 想想用你拥有的东西 它确实感觉 |
| 246 | boring. | 无聊 |
| 247 | It's always more fun to buy the new thing, to try something else, to change things up. | 购买新东西,尝试别的东西,改变事情,总是更有趣. |
| 248 | But I | 不过 |
| 249 | {\fn黑体\fs20\shad2\2aH82\3aH20\4aH33\fscx95\3cH592001\be1}你不是总想着买些新东西 {\fn黑体\fs20\shad2\2aH82\3aH20\4aH33\fscx95\3cH592001\be1}你可以创造出 | |
| 250 | novelty within the things you already own. | 在你已经拥有的事物中 充满了新意 |
| 251 | Like I'm going to tell you, fewer things are more satisfying | 就像我要告诉你, 少的事情更满足 |
| 252 | than hitting pan on a product. | 比打锅在产品上。 |
| 253 | Like look at this, this is a highlighter. | 就像看看这个,这是一个亮点。 |
| 254 | I have never hit pan on a | 我从来没有打过锅 |
| 255 | highlighter in my life. | 我生命中的亮点。 |
| 256 | Look how beautiful that is. | 看看这有多美 |
| 257 | Like that is exciting. | 就像这令人兴奋。 |
| 258 | This is the farthest | 这是最远的 |
| 259 | thing from boring in my opinion. | 我觉得很无聊 |
| 260 | And one of my most favorite boring habits of all actually applies | 我最喜欢的无聊习惯之一 实际上应用 |
| 261 | to your closet and that is simply just wearing your clothes. | 在你的衣柜里 那只是穿着你的衣服 |
| 262 | It sounds boring but being an outfit | 听起来很无聊,但装扮 |
| 263 | repeater is going to save you a ton of money because every time that you wear something from | 中继器会给你省一吨钱 因为每次你穿一件东西 |
| 264 | your closet instead of buying something new, you're lowering that cost per wear. | 你的衣柜不是买新衣服 而是降低每件衣服的成本 |
| 265 | A $300 sweater that | 一件300块的毛衣 |
| 266 | you wear 30 times is going to be cheaper than a $30 sweater you wore once or not at all. | 你穿30次会比穿30美元的毛衣便宜 |
| 267 | And I | 还有我 |
| 268 | would argue that the more you wear your clothes and even repeat your outfits, the more confident | 你穿得越多 连衣服也越自信 |
| 269 | with yourself and your personal style that you're going to become. | 与你自己和你的私人风格 你会成为。 |
| 270 | And in the long run, it's just | 从长远来看,这只是 |
| 271 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}会帮助你更聪明地购物 {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}买的越来越少了 {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}因为你知道自己是什么 | |
| 272 | going to wear and it's as simple as knowing what you like versus what you don't. | 穿着它就像知道自己喜欢什么 不喜欢什么一样简单 |
| 273 | So as scary as | 这么可怕 |
| 274 | repeating sounds, I think it's actually the key to finding your personal style | 重复声音,我觉得这其实是找到你个人风格的关键 |
| 275 | and saving money while you're at it. | 和节省钱 当你在它。 |
| 276 | Okay this next habit is something that almost nobody wants | 好吧,下一个习惯是几乎没人想要的 |
| 277 | to do but it has truly changed the course of my financial future and has saved me | 但它真的改变了我的金融未来 救了我 |
| 278 | thousands and thousands of dollars over the years and that is budgeting. | 这些年来,成千上万美元,这是编制预算。 |
| 279 | So for a lot of you, that's | 所以,对于你们很多人来说,这就是 |
| 280 | where I'm sure you've clicked out of the video. | 我敢肯定,你已经点击 从视频。 |
| 281 | But for those of you still around, stick with me | 但你们这些还在身边的人 跟着我 |
| 282 | because budgeting is going to change your life. | 因为预算会改变你的生活 |
| 283 | Yes, it's boring. | 是的,这很无聊。 |
| 284 | Yes, it can feel tedious. | 是的,它会感到乏味。 |
| 285 | Yes, | 对 |
| 286 | it can even feel overwhelming and intimidating. | 它甚至可以感到压倒和恐吓。 |
| 287 | But once you get it down, it is the number one | 但一旦你把它弄下来,这是第一 |
| 288 | key factor that is going to make you feel in control and confident about your finances. | 关键因素 会让你对自己的财务 感到掌控和自信 |
| 289 | I've | 我见过 |
| 290 | been budgeting pretty much every single day of my life since 2019 when I first committed to paying | 自从2019年我第一次承诺支付 |
| 291 | off my over $120,000 of student loan debt and overcome that shopping addiction that was keeping | 免除我超过12万元的学生贷款债务, 并克服那个 购物上瘾,保持 |
| 292 | me broke. | 我破产了。 |
| 293 | And it's a financial habit that I still do to this very day even though I paid off my debt | 虽然我还清了债务,但今天我还是有这种财务习惯 |
| 294 | almost four years ago at this point. | 将近四年前, |
| 295 | But the whole point of budgeting is that it just keeps you on | 但整个预算编制的要点是 它只是让你保持 |
| 296 | top of your money. | 最高的钱。 |
| 297 | It's the only way that you're going to get an idea of where your money's going, | 这是唯一的办法,你会得到 一个想法你的钱去, |
| 298 | by how much, and more importantly, why. | 多少,更重要的是,为什么。 |
| 299 | In my budgeting template, I also made it so that you | 在我的预算编制模板中,我也做了这个,让你 |
| 300 | can track your mood alongside your spending just so you can kind of unlock any patterns there | 可以跟踪你的心情 与你的花费 只是让你可以解开任何模式 |
| 301 | because I think it's important to know your emotional state when you're spending too and | 因为我认为重要的是 要知道你的情绪状态 当你花费太, |
| 302 | trying to spend less. | 试图少花钱。 |
| 303 | And I also track what purchases I feel like were impulsive versus | 我也追踪到什么是购买 我觉得是冲动与 |
| 304 | intentional just so I can get a better sense of my spending behavior overall. | 故意的,这样我就可以 得到更好的感觉 我的支出行为整体。 |
| 305 | I'll leave it linked | 我会把它连接起来的 |
| 306 | down below if you want to go check it out, but no pressure, you do you. | 如果你想去下方检查一下,但是没有压力,你做你。 |
| 307 | So boring? | 这么无聊? |
| 308 | Yes. | 对 |
| 309 | Sexy? | 性感吗? |
| 310 | Absolutely not. | 绝对不是。 |
| 311 | But it is the one key habit that I think is going to transform the course of your | 但它是一个关键习惯,我认为 要改变你的路线 |
| 312 | finances. | 财政。 |
| 313 | And you know, you budget to track your expenses, to pay your bills on time. | 你知道,你的预算 跟踪你的开支, 按时支付你的账单。 |
| 314 | And speaking | 说话 |
| 315 | of bills, that's the final habit. | 账单,这是最后习惯。 |
| 316 | Treat yourself like a bill, aka pay yourself. | 把自己当帐单一样 付你钱 |
| 317 | I can't remember | 我不记得了 |
| 318 | where I saw this. | 我在那里看到了这个。 |
| 319 | I'm sure it was on TikTok or something, but it said, you are a bill, so pay | 我敢肯定,它是在TikTok什么的, 但是它说,你是一个账单,所以支付 |
| 320 | yourself like one. | 自己就像一个。 |
| 321 | And that has truly changed my life because here's the thing, paying bills is | 这真的改变了我的生活,因为 事情是这样的,支付账单是 |
| 322 | boring. | 无聊 |
| 323 | The last thing I want to do is pay my bills. | 我最不想做的就是付帐单 |
| 324 | I want to treat myself. | 我想治疗自己。 |
| 325 | I want to exhibit | 我想展示给大家看 |
| 326 | all of my use of free will on as much fun as I possibly can, but not before I do the very boring | 我尽量用自由意志来取乐 但在我做无聊的事之前 |
| 327 | habit of paying myself first. | 习惯先付钱给自己 |
| 328 | Because for years, I was getting the process wrong. | 因为多年来,我一直把过程弄错了。 |
| 329 | I would get paid | 我会得到报酬 |
| 330 | and the first thing I would do is pay my rent, pay my bills, pay off my credit card, and then | 我要做的第一件事是支付房租 支付账单 支付信用卡 然后 |
| 331 | whatever was left over, you know, it's like, okay, well, I worked really hard. | 剩下的一切,你知道, 它就像,好吧,嗯,我工作真的很努力。 |
| 332 | I'm going to go out to | 我准备出去 |
| 333 | dinner now. | 马上吃晚饭 |
| 334 | I'm going to go treat myself. | 我要去治疗自己。 |
| 335 | I'm going to go shopping. | 我要去买东西。 |
| 336 | And then I would say, | 然后我会说, |
| 337 | whatever's left over after that, that's what I'm going to save and invest. | 之后剩下的东西,那就是我要保存和投资的. |
| 338 | But guess what? | 但你知道吗? |
| 339 | That | 那个 |
| 340 | never really ended up happening until I started treating myself like a bill and make sure that I | 直到我开始把自己当做账单 并确保我 |
| 341 | paid myself. | 付钱给自己 |
| 342 | This I actually have automated, so I don't actually see that money hit my checking | 我其实是自动的,所以没看到钱打到我的支票 |
| 343 | account. | 账户。 |
| 344 | It just goes right out into my savings and I watch it grow on autopilot. | 它直接进入我的储蓄 我看着它生长在自动驾驶。 |
| 345 | And yeah, paying | 对,付钱 |
| 346 | your future self, it is boring. | 你未来的自我,这是无聊的。 |
| 347 | YOLO is always going to be so much more fun than thinking about | YOLO总比想的有趣多了 |
| 348 | your future, but it has to be done. | 你的未来,但必须完成。 |
| 349 | And it's really in the boring stuff that you're going to | 它真的在无聊的东西 你要去 |
| 350 | find the most return. | 找到最好的回报。 |
| 351 | So those are the 10 boring habits that save me serious money. | 这些是十种无聊的习惯,可以节省我很多钱。 |
| 352 | But this only | 不过只有这个 |
| 353 | truly works if your money is not a complete mess behind the scenes. | 如果你的钱不是幕后乱七八糟的 那真的有用 |
| 354 | So if you feel out of control | 所以如果你觉得失控 |
| 355 | or overwhelmed with your money, watch this video next where I show you exactly how to declutter it, | 或被你的钱压垮, 看这视频 接下来我告诉你如何去除它, |
| 356 | kind of the way you would your closet. | 那种你的方式 你的衣橱。 |
| 357 | Thanks for watching and I'll see you next week. | 谢谢你的观看 下周见 |
| 358 | Bye. | 再见。 |
该视频共有字幕 358 条。解锁更多字幕为会员功能，请移动到 价格
P2 · 【财富思维】10个帮我省大钱的朴实习惯 · 存钱秘诀 p02 英文字幕 (P2)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | So I think most people feel like money should be kind of sexy, but I learned that building real | 所以我认为大多数人觉得钱应该很性感 但我学会了造真的 |
| 0:05 | wealth is by doing the things that really aren't. | 财富就是做那些真正不是的东西 |
| 0:08 | In fact, the more boring your money feels, | 事实上 你的钱越无聊 |
| 0:11 | the better you're going to do. | 你会做得更好 |
| 0:12 | So today I'm going to share with you 10 of the most boring | 所以今天我要和你们分享 最无聊的10个 |
| 0:15 | and very unsexy habits that I do to save serious money. | 和非常不性感的习惯 我这样做来节省严重的钱。 |
| 0:20 | And it's really these tiny daily habits | 这真的是这些微小的日常习惯 |
| 0:22 | that have made the biggest impact on my finances. | 对我的财务影响最大 |
| 0:25 | And the best part is that they're not really hard | 最好的部分是,它们并不难 |
| 0:27 | to do at all. | 做一点。 |
展开字幕全文（358 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | So I think most people feel like money should be kind of sexy, but I learned that building real | 所以我认为大多数人觉得钱应该很性感 但我学会了造真的 |
| 2 | wealth is by doing the things that really aren't. | 财富就是做那些真正不是的东西 |
| 3 | In fact, the more boring your money feels, | 事实上 你的钱越无聊 |
| 4 | the better you're going to do. | 你会做得更好 |
| 5 | So today I'm going to share with you 10 of the most boring | 所以今天我要和你们分享 最无聊的10个 |
| 6 | and very unsexy habits that I do to save serious money. | 和非常不性感的习惯 我这样做来节省严重的钱。 |
| 7 | And it's really these tiny daily habits | 这真的是这些微小的日常习惯 |
| 8 | that have made the biggest impact on my finances. | 对我的财务影响最大 |
| 9 | And the best part is that they're not really hard | 最好的部分是,它们并不难 |
| 10 | to do at all. | 做一点。 |
| 11 | So let's start with the most boring habit that I think you're going to be shocked by. | 所以,让我们从最无聊的习惯开始 我认为你会被震惊。 |
| 12 | But that is eating the exact same food every single week. | 但每星期都吃同样的食物 |
| 13 | It really helps make your grocery | 帮你做杂货 |
| 14 | bill a lot more predictable. | 法案更可预测。 |
| 15 | We stick to the exact same grocery list every single week, | 我们每个星期都要遵守同样的杂货单 |
| 16 | and besides a few sales and maybe grocery inflation here and there, our grocery bill | 除了一些销售 和也许杂货 通货膨胀在这里和那里,我们的杂货账单 |
| 17 | has stayed pretty much the same. | 一直没变 |
| 18 | And surprisingly, this does not get boring. | 令人惊讶的是,这不会变得无聊。 |
| 19 | All you need to do is | 你只需要做点什么 |
| 20 | four or five different recipes that you can rinse and repeat. | 四五种不同的食谱,你可以洗涤和重复. |
| 21 | You'll never stress about | 你永远不会紧张 |
| 22 | what's for dinner. | 晚饭吃什么? |
| 23 | Food gets made at home so you're not wasting money on door dash and eating out. | 食物是在家里制造的 所以你不要浪费钱 在门前和吃饭。 |
| 24 | And I think it creates less food waste overall. | 我认为这可以减少食物浪费。 |
| 25 | So it might sound boring and even unhinged to | 可能听起来很无聊,甚至不高兴 |
| 26 | some of you, but I love it and it really works. | 你们中的一些人, 但我喜欢它,它真的工作。 |
| 27 | And if eating the same thing every single week | 如果每个星期都吃同样的东西 |
| 28 | sounded super boring, then you're really going to think this one is really boring. | 听起来很无聊 然后你会觉得这个真的很无聊 |
| 29 | And that is | 这就是 |
| 30 | cleaning out the fridge and the freezer before we go shopping again. | 我们再去买东西之前 把冰箱和冰箱都清理干净 |
| 31 | And this is something that | 而这个东西 |
| 32 | does feel kind of boring, but again, it reduces on food waste. | 但还是会减少食物浪费 |
| 33 | It minimizes the amount of times | 它能将时间最小化 |
| 34 | that we need to go shopping and it really teaches you to use what you have. | 我们需要去购物 它真的教你用你拥有的东西。 |
| 35 | Part of our grocery | 我们的杂货店 |
| 36 | routine is doing one big Costco haul once a month where we do buy things in bulk, usually meat, | 例行公事是做一个大好市多 每月一次 在那里,我们确实购买的东西 散装,通常肉, |
| 37 | dairy and eggs. | 奶和鸡蛋。 |
| 38 | But by the time we are ready to do our big restock, we have pretty much eaten | 但是,当我们准备好做 我们的大补丁, 我们几乎吃了很多 |
| 39 | everything in the fridge, freezer and pantry before we go. | 冰箱、冷藏柜和储藏室里的东西都放进去了 |
| 40 | Because the less food you waste, | 因为你浪费的食物越少 |
| 41 | the less money you waste. | 你浪费的钱越少 |
| 42 | Here one second, I'll take you on a bit of a fridge tour. | 等一下,我带你去一个冰箱旅游 |
| 43 | So we just recently did a big Costco restock. | 所以我们刚刚做了一个大好市多补丁。 |
| 44 | So we have frozen beef here. | 所以我们把牛肉冷冻了 |
| 45 | We have some frozen | 我们有些冰冻 |
| 46 | veggies, frozen fruits and berries for smoothies. | 蔬菜,冰冻的水果和浆果,用作冰沙. |
| 47 | Here I've got some frozen salmon, frozen chicken | 我这儿有冷冻的鲑鱼,冷冻的鸡肉 |
| 48 | thighs, chicken breasts. | 大腿,鸡胸。 |
| 49 | So we're good for a while there. | 所以,我们有一段时间好。 |
| 50 | We buy a ton of dairy in bulk. | 我们批量买了一吨牛奶 |
| 51 | So I feel | 所以我觉得 |
| 52 | the yogurt and the cottage cheese from Costco is just simply the best deal. | 酸奶和来自好市多的奶酪只是最好的交易 |
| 53 | We always get a bunch | 我们总是有一堆 |
| 54 | of eggs. | 鸡蛋。 |
| 55 | These last us quite a long time. | 这些都持续了很长时间。 |
| 56 | Another tip if you do get bored of eating the same thing | 如果你真的厌倦了吃同样的东西,那又一个小费 |
| 57 | every week is just to change up your sauces. | 每周都换酱汁 |
| 58 | So we always keep a barbecue sauce here. | 所以我们总是在这里放烧烤酱 |
| 59 | I always have | 我总是这样 |
| 60 | different soy sauces, light soy sauce, dark soy sauce, sriracha, honey, things like that to | 不同的酱油,轻的酱油, 黑的酱油,sriracha,蜂蜜,类似的东西 |
| 61 | make a bunch of different sauces. | 做一堆不同的酱汁。 |
| 62 | So that will last us a while, but once all that is gone, | 这会让我们持续一段时间 但一旦这一切消失 |
| 63 | then that's when we start getting into eating things like tuna, pasta, and we really try to | 然后我们开始吃金枪鱼 面条之类的东西 我们真的想 |
| 64 | empty everything out before we go and restock again. | 把所有东西都清空 然后再去休息 |
| 65 | Basically when we're getting close to our | 基本上当我们接近我们 |
| 66 | grocery restock time, we do a use what you have week. | 杂货店休息时间,我们利用你一周的时间 |
| 67 | And it saves money because I'm grocery | 这能省钱 因为我是杂货店的 |
| 68 | shopping less and it becomes very easy to actually eat what you bought instead of filling up your | 买的少了 吃你买的 而不是填满你买的 |
| 69 | pantry accumulating things that you're never going to eat. | 储存你永远吃不下的东西 |
| 70 | And speaking of eating everything | 说到吃东西 |
| 71 | that you buy, that's where I also stopped buying everything in bulk. | 你买,这就是我 也停止购买所有批量。 |
| 72 | I think some of the most | 我觉得一些最 |
| 73 | common advice I heard to save money was to basically shop at Costco for everything. | 我听说节省钱的共同建议 就是在好市多买东西 |
| 74 | And I | 还有我 |
| 75 | do think buying in bulk and shopping at Costco does save money in certain areas, but at other | 倒觉得在好市多买东西 在某些地方可以省钱 但在其他地方 |
| 76 | times it can be more expensive. | 可能更贵 |
| 77 | And if you're not feeding a family of five, you don't need to buy | 如果你没有养活一个五个家庭, 你不需要买 |
| 78 | everything in bulk. | 所有的东西都是批量的。 |
| 79 | Like Jeff and I do eat a lot. | 就像杰夫和我经常吃一样 |
| 80 | So where we do find value and save money is in | 因此,我们找到价值 和节省的钱是在 |
| 81 | buying things like most meats, fish, dairy, and eggs from Costco and maybe, you know, toilet paper, | 从好市多买肉、鱼、奶和鸡蛋 可能还有卫生纸 |
| 82 | but almost everything else we buy fresh and individually. | 但几乎所有其它的 我们购买新鲜和单独。 |
| 83 | And that's because if we bought | 因为如果我们买了 |
| 84 | in bulk, again, the food would just go bad and we were going to waste it. | 成批地,再次, 食物只是去坏, 我们要去浪费它。 |
| 85 | Like I can't tell you | 就像我不能告诉你 |
| 86 | how many times I tried buying those bags of avocados from Costco and we just couldn't keep | 多少次我试图从好市多买这些袋鳄梨 我们只是无法保存 |
| 87 | up with them before they went bad. | 在他们变坏之前和他们在一起 |
| 88 | So especially for food that goes bad, I'll buy one or two of | 所以,特别对于坏的食物, 我会买一两 |
| 89 | them and just focus on finishing that first because you know what? | 他们只是专注于完成 首先因为你知道吗? |
| 90 | You can food shop for | 你可以去买东西 |
| 91 | your fantasy self too and you can think you're going to eat something and then you never get | 你幻想中的自我,你可以认为 你会吃的东西,然后你永远不会得到 |
| 92 | to it because that shit's expensive and we're trying to save money here. | 因为那玩意很贵 我们想在这里省钱 |
| 93 | And I know eating | 我知道吃东西 |
| 94 | what you have is not as exciting as DoorDash and neither is this next habit, but I don't actually | 你没有像DoorDash那样激动人心 下个习惯也一样 但我其实没有 |
| 95 | feel like I'm sacrificing anything here and that is with my daily coffee routine. | 感觉就像我牺牲了这里的一切 和我的日常咖啡常规。 |
| 96 | So I find it's | 所以我觉得 |
| 97 | not the daily takeout latte that's the problem, it's the spending on autopilot thing. | 问题不在于日常拿铁 而是自动驾驶方面的开支 |
| 98 | So here's | 所以这里 |
| 99 | my philosophy when it comes to this. | 我的哲学在这件事情上。 |
| 100 | I like to save my cafe spending, sort of my special coffee, | 我喜欢节省我的咖啡店开支 那种我特殊的咖啡 |
| 101 | for either socializing or if I'm working from home or something like that, then I like to use | 要么去社交 要么我在家工作 要么那样的话 我喜欢用 |
| 102 | it as an excuse to break up my day. | 以此为借口来打破我的一天。 |
| 103 | Otherwise I just wouldn't leave the house. | 否则我就不离开房子了 |
| 104 | That is where I find | 这是我发现的地方 |
| 105 | the most joy in spending money on coffee like that. | 最快乐的是在咖啡上花钱 |
| 106 | And that's where spending six dollars on a latte | 在那里花六美元买拿铁 |
| 107 | actually, you know, adds something to my life. | 实际上,你知道, 增加的东西我的生活。 |
| 108 | It's about the experience. | 这是关于经验。 |
| 109 | But for daily survival | 但为了日常生存 |
| 110 | coffee, one sec this is gonna get loud, then I stick to making it at home. | 咖啡,一秒钟,这是要去大声的, 然后我坚持做在家里。 |
| 111 | And this is not to be | 这不会是 |
| 112 | like super frugal or anything, it does save money, but it's just to turn my need for coffee, this is | 像超级节俭什么的, 它确实节省了钱, 但是它只是让我 需要咖啡,这是 |
| 113 | my survival habit. | 我的生存习惯。 |
| 114 | It's to make sure that it just doesn't turn into a daily expense and one that | 它是为了确保它只是 不变成日常开支和 |
| 115 | just isn't special anymore. | 只是不再特别了。 |
| 116 | I don't want to get so used to buying coffee out all the time that it | 我不想老是买咖啡出来 |
| 117 | just doesn't mean anything to me. | 只是不意味着什么对我来说。 |
| 118 | But that doesn't mean that you can't romanticize your coffee | 但这并不意味着你不能把咖啡浪漫化 |
| 119 | experience at home. | 在家里的体验。 |
| 120 | I still like to buy the good beans from our local cafe. | 我还是喜欢从当地的咖啡馆买好豆子 |
| 121 | I make it in a Chemex | 我用化学药剂做的 |
| 122 | like this, I'll pour over in fancy style. | 像这样,我会倒过来的花样。 |
| 123 | Like this is very... | 就像这个... |
| 124 | 这感觉像2016-17 Instagram | |
| 125 | YouTube怀旧吗? | |
| 126 | I feel like it was all about coffee montages at that time on YouTube. | 我觉得那时在YouTube上都是关于咖啡蒙太奇的 |
| 127 | But I | 不过 |
| 128 | make my coffee like this every single day. | 每天都这样煮咖啡 |
| 129 | And it's nice, it forces you to slow down. | 这很好,它迫使你慢下来。 |
| 130 | I wish you could | 我希望你能够 |
| 131 | smell this right now, it is so good. | 现在闻闻,它是如此的好。 |
| 132 | So depending on what beans you buy, you might not save a ton | 所以,取决于你买什么豆子, 你可能不会节省一吨 |
| 133 | of money here, but it does help with that mindless daily autopilot spending and it just feels good. | 钱在这里,但它确实 帮助无脑的日常自动驾驶开支, 它只是感觉很好。 |
| 134 | And now we wait. | 现在我们等待。 |
| 135 | This is actually my second coffee of the day, I don't think I actually need this, | 这是我今天的第二杯咖啡 我想我不需要这个 |
| 136 | but we're filming. | 但我们在拍摄 |
| 137 | So like I said, I'm not saying don't buy your coffee, buy it if you want to, | 所以,正如我说的,我不是说 不要买你的咖啡,如果你想买它, |
| 138 | I just like to buy mine with intention. | 我只想买我的 |
| 139 | Okay, so this next habit is going to save you a ridiculous | 好吧,所以这个下个习惯 会救你一个荒谬的 |
| 140 | amount of money though, and that is stop shopping to kill time. | 钱的多少, 而这就是停止购物 以消耗时间。 |
| 141 | And you know, this one used to be a | 你知道,这个曾经是一个 |
| 142 | tough one for me because I was a full-blown shopaholic for years. | 对我而言很艰难,因为我多年来都是个彻头彻尾的商店狂 |
| 143 | Basically, the only way | 基本上,唯一的办法 |
| 144 | I knew how to spend any moment of downtime I had was by shopping. | 我知道如何花 任何一分钟的停机时间 我通过购物。 |
| 145 | So things like avoiding | 所以,事情喜欢避免 |
| 146 | shopping on your phone, shopping when you're on your lunch break or have any downtime, | 在你的手机上购物, 购物 当你的午餐休息或有任何休息时间, |
| 147 | it's going to save you a ton of money because straight up ignorance is bliss. | 它会节省你一吨钱 因为直立的无知是幸福。 |
| 148 | Because the truth | 因为真相 |
| 149 | is the more you let yourself browse, the more you're going to find something to want. | 越是让你自己浏览, 你会找到想要的东西。 |
| 150 | And the | 还有 |
| 151 | more that thing is going to take away your attention and your money. | 那东西会夺走你的注意力和钱 |
| 152 | And you know what, | 你知道吗, |
| 153 | it is boring because I love to buy stuff. | 无聊是因为我喜欢买东西 |
| 154 | But there were a few things that did help me come | 但有几件事情帮助我来了 |
| 155 | up with new habits to replace that boredom shopping. | 用新习惯代替无聊的购物 |
| 156 | One was to find a hobby that was | 一个是找到一个爱好 |
| 157 | either challenging or creative. | 挑战性或创造性。 |
| 158 | So at the very beginning, I was doing things like making YouTube | 所以,一开始,我在做一些事情 像制作YouTube |
| 159 | videos, posting on social media. | 视频,在社交媒体上发布. |
| 160 | And nowadays, because I do do content more on a full-time basis, | 而现在,因为我做更多的 满足全时, |
| 161 | I've replaced a lot of my boredom downtime with more challenging hobbies, like going to the gym. | 我用更具挑战性的爱好代替了很多无聊的休息时间,比如去健身房. |
| 162 | I recently ran a half marathon, so I had to do a ton of training for that. | 最近我跑过半个马拉松, 所以我不得不做一吨的训练。 |
| 163 | And when you're not | 当你不是 |
| 164 | spending your downtime shopping, you will learn to spend your time doing other things. | 花你的休息时间购物, 你会学会花你的时间做其他的事情。 |
| 165 | Things that end up feeling more productive, more fun, more creative, even just like more | 最终会觉得更有生产力 更有趣 更有创意 更像更多 |
| 166 | wholesome in general. | 总体来说是健康的 |
| 167 | Things that you can do that make you feel proud and make you feel accomplished. | 你可以做的让你感到骄傲 让你感到成就 |
| 168 | Even something as simple as going on a walk or going to read a book, instead of just filling | 甚至像散步或者看书一样简单 而不是只是填满 |
| 169 | your time with shopping, it's going to save you a ton of money. | 你买东西的时间会节省一吨钱的 |
| 170 | But it's also just going to be so | 但它也只是会如此 |
| 171 | better and healthier for you over time too. | 过一段时间你也会更健康 |
| 172 | And you know, that is not to say that I don't shop now | 你知道,这不是说我现在不买东西 |
| 173 | because I definitely do. | 因为我绝对有 |
| 174 | But the other thing I started doing with this boredom scrolling in | 但还有一件事我开始做 无聊的卷卷英寸 |
| 175 | particular is to set boundaries around it. | 特别的就是在它周围设定界限。 |
| 176 | So for example, I'm not allowed to buy anything if I have | 所以,比如,我不允许买任何东西,如果我有 |
| 177 | just woken up first thing in the morning. | 刚早上醒来 |
| 178 | I find that used to be a very kind of vulnerable time for | 我发现那曾经是一个非常脆弱的时间 |
| 179 | me. | 来啊 |
| 180 | Other things is like, I can't make a big purchase unless I'm on my laptop. | 其他事情就像,我不能做一个大采购 除非我在我的笔记本电脑。 |
| 181 | Or if I do | 或者说,如果我做了 |
| 182 | go shopping, which is okay to do, I either schedule it in ahead of time, do it in person, | 去购物,这是可以做的, 我要么提前安排,当面做, |
| 183 | or let myself do it after I've accomplished the things that I want to accomplish for the day. | 或者让我自己完成我今天想完成的任务 |
| 184 | So a combination of setting boundaries and limits around shopping and finding new ways to spend your | 因此,结合 设定界限和限制 围绕购物 和寻找新的方法 花你 |
| 185 | time. | 时间。 |
| 186 | Yeah, it might not be as fun, especially initially, but it's going to save you a ton of | 是啊,这也许没有那么有趣, 特别是最初, 但它会节省你一吨 |
| 187 | money in the long run. | 从长远来看,是钱 |
| 188 | And this really closely relates to my next habit that has really been a | 这和我的下个习惯密切相关 |
| 189 | money and that is simply having a boring weekly routine. | 钱,那只是一个无聊的每周例行公事。 |
| 190 | Like if I'm quite honest, | 就像如果我很诚实, |
| 191 | I don't live a very exciting life at all. | 我活得一点也不刺激 |
| 192 | I don't go on a bunch of big vacations, | 我不会去一大堆度假, |
| 193 | I don't go to events, and I don't mind it. | 我不参加活动,我不介意 |
| 194 | I like it that way. | 我喜欢这样 |
| 195 | Because the truth is having a boring | 因为事实很无聊 |
| 196 | routine protects your wallet. | 常规保护您的钱包。 |
| 197 | Because when I don't have a routine is when I start to sort of just | 因为当我没有例行公事时... 就是当我开始... |
| 198 | default to the other path of least resistance, which ultimately leads me to my phone, scrolling | 默认到另一条阻力最小的路径, 这最终引导我 我的手机,滚动 |
| 199 | social media, and then finding something to buy that I didn't even know existed in the first | 社会媒体,然后找到买的东西 我什至不知道在第一 |
| 200 | place. | 地点。 |
| 201 | It's also where I see people go on amazing trips and go to amazing dinners and I start to | 这也是我看到人们去 令人惊奇的旅行, 去令人惊奇的晚餐,我开始 |
| 202 | feel this pressure that I need to keep up and do the same thing instead of just keeping the blinders | 感觉压力,我需要跟上 做同样的事情 而不是只是保持盲目 |
| 203 | on and rolling with my routine that's been working for me. | 继续我的日常工作 |
| 204 | And don't get me wrong, because this | 别误会,因为这个 |
| 205 | definitely doesn't mean that I don't want to travel or that I don't like going out to restaurants and | 肯定不代表我不想旅行 或者我不想去餐馆 |
| 206 | new things and experiences. | 新的东西和经验。 |
| 207 | But at the end of the day, having a structured and predictable | 但是,在一天结束时, 一个结构化和可预测的 |
| 208 | routine that I can fall back on, it keeps me consistent and it keeps me moving in the | 例行公事,我可以倒回去, 它保持我的一致性, 它让我移动在 |
| 209 | direction that I want to go. | 我想走的方向。 |
| 210 | I don't know, I love the boring life. | 我不知道,我喜欢无聊的生活。 |
| 211 | Okay, but now let's get into the | 好吧,但现在让我们进入 |
| 212 | next habit, which will not only be a game changer for your wallet, but you're going to get that glow | 下个习惯,这不仅会是一个游戏 改变你的钱包, 你会得到的光芒 |
| 213 | too. | 也一样。 |
| 214 | And that is saving money on your skincare and beauty routine. | 这就是节省钱 在你的皮肤护理和美容常规。 |
| 215 | Okay, so listen, if you're | 好吧,所以听着,如果你是 |
| 216 | trying to get that glow, you do not need a 10, 20, 30 step skincare routine. | 为了获得光芒,你不需要 10,20,30步的皮肤护理常规。 |
| 217 | When I was doing the | 当我做 |
| 218 | most for my skin and spending the most money on it, it looked like this. | 最多是为了我的皮肤 花最多的钱 看起来像这样 |
| 219 | And the moment that I | 而那一刻,我 |
| 220 | simplified my skincare routine, narrowed it down to around four or five products where the majority | 简化我的皮肤护理程序, 缩小到大约四到五种产品, |
| 221 | of them are either from the drugstore or Korean skincare was when I started to get the skin I | 他们要么是药店的 要么是韩国的皮肤护理 当我开始得到皮肤时 |
| 222 | actually wanted. | 其实是想要的 |
| 223 | Not an ad, this is just what I'm using. | 不是广告,我只是用这个 |
| 224 | This is the skin cleanser that I'm using | 这是我使用的皮肤净化器 |
| 225 | right now. | 现在 |
| 226 | It is from the drugstore. | 是从药店来的 |
| 227 | One bottle is probably under $20 and this has lasted me like | 一瓶可能还不到20美元 这让我忍不住 |
| 228 | half of the year already and I still have so much left to go. | 半年了,我还有好多事要做 |
| 229 | But this is basically my entire skincare | 但这基本上是我的整个皮肤护理 |
| 230 | routine morning and night right now. | 例行的早上和晚上 现在。 |
| 231 | It's affordable, it's effective, I feel like the skin is skinning. | 价格低廉,效果好,我觉得皮肤在剥皮. |
| 232 | So in this case, the more boring, the more simple, the better. | 所以在这种情况下,越无聊,越简单,越好. |
| 233 | And speaking of simplifying your | 说到简化你 |
| 234 | skincare, I think there is something to be said about simplifying your makeup routine too. | 皮肤护理,我想有些事情要说 简化你的化妆程序。 |
| 235 | Because | 因为 |
| 236 | I feel like I had to learn the hard way as a recovering over consumer that half of the key | 我觉得我不得不学习艰难的方法 作为一个复苏过消费者 那一半的钥匙 |
| 237 | to saving money is using up what you bought. | 储蓄是用你买的 |
| 238 | Which for my makeup lovers out there means you | 对我的化妆爱好者来说 就是说你 |
| 239 | got to do a project pan, aka just using up your makeup before you buy more. | 得做一个项目锅,AKA 只是用完你的化妆品之前,你购买更多。 |
| 240 | I've actually been | 其实我是 |
| 241 | doing my own project pan since November of 2024 and if I learned anything, it is that it takes | 从2024年11月开始做我自己的工程 如果我学到了什么 那就是需要 |
| 242 | forever to use up a makeup product. | 永远用在化妆品上 |
| 243 | I have been working on this concealer for a year and a half | 我研究这个隐藏器一年半了 |
| 244 | and look at how much I still have left. | 看看我还剩下多少 |
| 245 | And the thought of using what you have, it does feel | 想想用你拥有的东西 它确实感觉 |
| 246 | boring. | 无聊 |
| 247 | It's always more fun to buy the new thing, to try something else, to change things up. | 购买新东西,尝试别的东西,改变事情,总是更有趣. |
| 248 | But I | 不过 |
| 249 | {\fn黑体\fs20\shad2\2aH82\3aH20\4aH33\fscx95\3cH592001\be1}你不是总想着买些新东西 {\fn黑体\fs20\shad2\2aH82\3aH20\4aH33\fscx95\3cH592001\be1}你可以创造出 | |
| 250 | novelty within the things you already own. | 在你已经拥有的事物中 充满了新意 |
| 251 | Like I'm going to tell you, fewer things are more satisfying | 就像我要告诉你, 少的事情更满足 |
| 252 | than hitting pan on a product. | 比打锅在产品上。 |
| 253 | Like look at this, this is a highlighter. | 就像看看这个,这是一个亮点。 |
| 254 | I have never hit pan on a | 我从来没有打过锅 |
| 255 | highlighter in my life. | 我生命中的亮点。 |
| 256 | Look how beautiful that is. | 看看这有多美 |
| 257 | Like that is exciting. | 就像这令人兴奋。 |
| 258 | This is the farthest | 这是最远的 |
| 259 | thing from boring in my opinion. | 我觉得很无聊 |
| 260 | And one of my most favorite boring habits of all actually applies | 我最喜欢的无聊习惯之一 实际上应用 |
| 261 | to your closet and that is simply just wearing your clothes. | 在你的衣柜里 那只是穿着你的衣服 |
| 262 | It sounds boring but being an outfit | 听起来很无聊,但装扮 |
| 263 | repeater is going to save you a ton of money because every time that you wear something from | 中继器会给你省一吨钱 因为每次你穿一件东西 |
| 264 | your closet instead of buying something new, you're lowering that cost per wear. | 你的衣柜不是买新衣服 而是降低每件衣服的成本 |
| 265 | A $300 sweater that | 一件300块的毛衣 |
| 266 | you wear 30 times is going to be cheaper than a $30 sweater you wore once or not at all. | 你穿30次会比穿30美元的毛衣便宜 |
| 267 | And I | 还有我 |
| 268 | would argue that the more you wear your clothes and even repeat your outfits, the more confident | 你穿得越多 连衣服也越自信 |
| 269 | with yourself and your personal style that you're going to become. | 与你自己和你的私人风格 你会成为。 |
| 270 | And in the long run, it's just | 从长远来看,这只是 |
| 271 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}会帮助你更聪明地购物 {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}买的越来越少了 {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}因为你知道自己是什么 | |
| 272 | going to wear and it's as simple as knowing what you like versus what you don't. | 穿着它就像知道自己喜欢什么 不喜欢什么一样简单 |
| 273 | So as scary as | 这么可怕 |
| 274 | repeating sounds, I think it's actually the key to finding your personal style | 重复声音,我觉得这其实是找到你个人风格的关键 |
| 275 | and saving money while you're at it. | 和节省钱 当你在它。 |
| 276 | Okay this next habit is something that almost nobody wants | 好吧,下一个习惯是几乎没人想要的 |
| 277 | to do but it has truly changed the course of my financial future and has saved me | 但它真的改变了我的金融未来 救了我 |
| 278 | thousands and thousands of dollars over the years and that is budgeting. | 这些年来,成千上万美元,这是编制预算。 |
| 279 | So for a lot of you, that's | 所以,对于你们很多人来说,这就是 |
| 280 | where I'm sure you've clicked out of the video. | 我敢肯定,你已经点击 从视频。 |
| 281 | But for those of you still around, stick with me | 但你们这些还在身边的人 跟着我 |
| 282 | because budgeting is going to change your life. | 因为预算会改变你的生活 |
| 283 | Yes, it's boring. | 是的,这很无聊。 |
| 284 | Yes, it can feel tedious. | 是的,它会感到乏味。 |
| 285 | Yes, | 对 |
| 286 | it can even feel overwhelming and intimidating. | 它甚至可以感到压倒和恐吓。 |
| 287 | But once you get it down, it is the number one | 但一旦你把它弄下来,这是第一 |
| 288 | key factor that is going to make you feel in control and confident about your finances. | 关键因素 会让你对自己的财务 感到掌控和自信 |
| 289 | I've | 我见过 |
| 290 | been budgeting pretty much every single day of my life since 2019 when I first committed to paying | 自从2019年我第一次承诺支付 |
| 291 | off my over $120,000 of student loan debt and overcome that shopping addiction that was keeping | 免除我超过12万元的学生贷款债务, 并克服那个 购物上瘾,保持 |
| 292 | me broke. | 我破产了。 |
| 293 | And it's a financial habit that I still do to this very day even though I paid off my debt | 虽然我还清了债务,但今天我还是有这种财务习惯 |
| 294 | almost four years ago at this point. | 将近四年前, |
| 295 | But the whole point of budgeting is that it just keeps you on | 但整个预算编制的要点是 它只是让你保持 |
| 296 | top of your money. | 最高的钱。 |
| 297 | It's the only way that you're going to get an idea of where your money's going, | 这是唯一的办法,你会得到 一个想法你的钱去, |
| 298 | by how much, and more importantly, why. | 多少,更重要的是,为什么。 |
| 299 | In my budgeting template, I also made it so that you | 在我的预算编制模板中,我也做了这个,让你 |
| 300 | can track your mood alongside your spending just so you can kind of unlock any patterns there | 可以跟踪你的心情 与你的花费 只是让你可以解开任何模式 |
| 301 | because I think it's important to know your emotional state when you're spending too and | 因为我认为重要的是 要知道你的情绪状态 当你花费太, |
| 302 | trying to spend less. | 试图少花钱。 |
| 303 | And I also track what purchases I feel like were impulsive versus | 我也追踪到什么是购买 我觉得是冲动与 |
| 304 | intentional just so I can get a better sense of my spending behavior overall. | 故意的,这样我就可以 得到更好的感觉 我的支出行为整体。 |
| 305 | I'll leave it linked | 我会把它连接起来的 |
| 306 | down below if you want to go check it out, but no pressure, you do you. | 如果你想去下方检查一下,但是没有压力,你做你。 |
| 307 | So boring? | 这么无聊? |
| 308 | Yes. | 对 |
| 309 | Sexy? | 性感吗? |
| 310 | Absolutely not. | 绝对不是。 |
| 311 | But it is the one key habit that I think is going to transform the course of your | 但它是一个关键习惯,我认为 要改变你的路线 |
| 312 | finances. | 财政。 |
| 313 | And you know, you budget to track your expenses, to pay your bills on time. | 你知道,你的预算 跟踪你的开支, 按时支付你的账单。 |
| 314 | And speaking | 说话 |
| 315 | of bills, that's the final habit. | 账单,这是最后习惯。 |
| 316 | Treat yourself like a bill, aka pay yourself. | 把自己当帐单一样 付你钱 |
| 317 | I can't remember | 我不记得了 |
| 318 | where I saw this. | 我在那里看到了这个。 |
| 319 | I'm sure it was on TikTok or something, but it said, you are a bill, so pay | 我敢肯定,它是在TikTok什么的, 但是它说,你是一个账单,所以支付 |
| 320 | yourself like one. | 自己就像一个。 |
| 321 | And that has truly changed my life because here's the thing, paying bills is | 这真的改变了我的生活,因为 事情是这样的,支付账单是 |
| 322 | boring. | 无聊 |
| 323 | The last thing I want to do is pay my bills. | 我最不想做的就是付帐单 |
| 324 | I want to treat myself. | 我想治疗自己。 |
| 325 | I want to exhibit | 我想展示给大家看 |
| 326 | all of my use of free will on as much fun as I possibly can, but not before I do the very boring | 我尽量用自由意志来取乐 但在我做无聊的事之前 |
| 327 | habit of paying myself first. | 习惯先付钱给自己 |
| 328 | Because for years, I was getting the process wrong. | 因为多年来,我一直把过程弄错了。 |
| 329 | I would get paid | 我会得到报酬 |
| 330 | and the first thing I would do is pay my rent, pay my bills, pay off my credit card, and then | 我要做的第一件事是支付房租 支付账单 支付信用卡 然后 |
| 331 | whatever was left over, you know, it's like, okay, well, I worked really hard. | 剩下的一切,你知道, 它就像,好吧,嗯,我工作真的很努力。 |
| 332 | I'm going to go out to | 我准备出去 |
| 333 | dinner now. | 马上吃晚饭 |
| 334 | I'm going to go treat myself. | 我要去治疗自己。 |
| 335 | I'm going to go shopping. | 我要去买东西。 |
| 336 | And then I would say, | 然后我会说, |
| 337 | whatever's left over after that, that's what I'm going to save and invest. | 之后剩下的东西,那就是我要保存和投资的. |
| 338 | But guess what? | 但你知道吗? |
| 339 | That | 那个 |
| 340 | never really ended up happening until I started treating myself like a bill and make sure that I | 直到我开始把自己当做账单 并确保我 |
| 341 | paid myself. | 付钱给自己 |
| 342 | This I actually have automated, so I don't actually see that money hit my checking | 我其实是自动的,所以没看到钱打到我的支票 |
| 343 | account. | 账户。 |
| 344 | It just goes right out into my savings and I watch it grow on autopilot. | 它直接进入我的储蓄 我看着它生长在自动驾驶。 |
| 345 | And yeah, paying | 对,付钱 |
| 346 | your future self, it is boring. | 你未来的自我,这是无聊的。 |
| 347 | YOLO is always going to be so much more fun than thinking about | YOLO总比想的有趣多了 |
| 348 | your future, but it has to be done. | 你的未来,但必须完成。 |
| 349 | And it's really in the boring stuff that you're going to | 它真的在无聊的东西 你要去 |
| 350 | find the most return. | 找到最好的回报。 |
| 351 | So those are the 10 boring habits that save me serious money. | 这些是十种无聊的习惯,可以节省我很多钱。 |
| 352 | But this only | 不过只有这个 |
| 353 | truly works if your money is not a complete mess behind the scenes. | 如果你的钱不是幕后乱七八糟的 那真的有用 |
| 354 | So if you feel out of control | 所以如果你觉得失控 |
| 355 | or overwhelmed with your money, watch this video next where I show you exactly how to declutter it, | 或被你的钱压垮, 看这视频 接下来我告诉你如何去除它, |
| 356 | kind of the way you would your closet. | 那种你的方式 你的衣橱。 |
| 357 | Thanks for watching and I'll see you next week. | 谢谢你的观看 下周见 |
| 358 | Bye. | 再见。 |
该视频共有字幕 358 条。解锁更多字幕为会员功能，请移动到 价格
P3 · 【财富思维】10个帮我省大钱的朴实习惯 · 存钱秘诀 p03 无字幕 (P3)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | So I think most people feel like money should be kind of sexy, but I learned that building real | 所以我认为大多数人觉得钱应该很性感 但我学会了造真的 |
| 0:05 | wealth is by doing the things that really aren't. | 财富就是做那些真正不是的东西 |
| 0:08 | In fact, the more boring your money feels, | 事实上 你的钱越无聊 |
| 0:11 | the better you're going to do. | 你会做得更好 |
| 0:12 | So today I'm going to share with you 10 of the most boring | 所以今天我要和你们分享 最无聊的10个 |
| 0:15 | and very unsexy habits that I do to save serious money. | 和非常不性感的习惯 我这样做来节省严重的钱。 |
| 0:20 | And it's really these tiny daily habits | 这真的是这些微小的日常习惯 |
| 0:22 | that have made the biggest impact on my finances. | 对我的财务影响最大 |
| 0:25 | And the best part is that they're not really hard | 最好的部分是,它们并不难 |
| 0:27 | to do at all. | 做一点。 |
展开字幕全文（370 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | So I think most people feel like money should be kind of sexy, but I learned that building real | 所以我认为大多数人觉得钱应该很性感 但我学会了造真的 |
| 2 | wealth is by doing the things that really aren't. | 财富就是做那些真正不是的东西 |
| 3 | In fact, the more boring your money feels, | 事实上 你的钱越无聊 |
| 4 | the better you're going to do. | 你会做得更好 |
| 5 | So today I'm going to share with you 10 of the most boring | 所以今天我要和你们分享 最无聊的10个 |
| 6 | and very unsexy habits that I do to save serious money. | 和非常不性感的习惯 我这样做来节省严重的钱。 |
| 7 | And it's really these tiny daily habits | 这真的是这些微小的日常习惯 |
| 8 | that have made the biggest impact on my finances. | 对我的财务影响最大 |
| 9 | And the best part is that they're not really hard | 最好的部分是,它们并不难 |
| 10 | to do at all. | 做一点。 |
| 11 | So let's start with the most boring habit that I think you're going to be shocked by. | 所以,让我们从最无聊的习惯开始 我认为你会被震惊。 |
| 12 | But that is eating the exact same food every single week. | 但每星期都吃同样的食物 |
| 13 | It really helps make your grocery | 帮你做杂货 |
| 14 | bill a lot more predictable. | 法案更可预测。 |
| 15 | We stick to the exact same grocery list every single week, | 我们每个星期都要遵守同样的杂货单 |
| 16 | and besides a few sales and maybe grocery inflation here and there, our grocery bill | 除了一些销售 和也许杂货 通货膨胀在这里和那里,我们的杂货账单 |
| 17 | has stayed pretty much the same. | 一直没变 |
| 18 | And surprisingly, this does not get boring. | 令人惊讶的是,这不会变得无聊。 |
| 19 | All you need to do is | 你只需要做点什么 |
| 20 | four or five different recipes that you can rinse and repeat. | 四五种不同的食谱,你可以洗涤和重复. |
| 21 | You'll never stress about | 你永远不会紧张 |
| 22 | what's for dinner. | 晚饭吃什么? |
| 23 | Food gets made at home so you're not wasting money on door dash and eating out. | 食物是在家里制造的 所以你不要浪费钱 在门前和吃饭。 |
| 24 | And I think it creates less food waste overall. | 我认为这可以减少食物浪费。 |
| 25 | So it might sound boring and even unhinged to | 可能听起来很无聊,甚至不高兴 |
| 26 | some of you, but I love it and it really works. | 你们中的一些人, 但我喜欢它,它真的工作。 |
| 27 | And if eating the same thing every single week | 如果每个星期都吃同样的东西 |
| 28 | sounded super boring, then you're really going to think this one is really boring. | 听起来很无聊 然后你会觉得这个真的很无聊 |
| 29 | And that is | 这就是 |
| 30 | cleaning out the fridge and the freezer before we go shopping again. | 我们再去买东西之前 把冰箱和冰箱都清理干净 |
| 31 | And this is something that | 而这个东西 |
| 32 | does feel kind of boring, but again, it reduces on food waste. | 但还是会减少食物浪费 |
| 33 | It minimizes the amount of times | 它能将时间最小化 |
| 34 | that we need to go shopping and it really teaches you to use what you have. | 我们需要去购物 它真的教你用你拥有的东西。 |
| 35 | Part of our grocery | 我们的杂货店 |
| 36 | routine is doing one big Costco haul once a month where we do buy things in bulk, usually meat, | 例行公事是做一个大好市多 每月一次 在那里,我们确实购买的东西 散装,通常肉, |
| 37 | dairy and eggs. | 奶和鸡蛋。 |
| 38 | But by the time we are ready to do our big restock, we have pretty much eaten | 但是,当我们准备好做 我们的大补丁, 我们几乎吃了很多 |
| 39 | everything in the fridge, freezer and pantry before we go. | 冰箱、冷藏柜和储藏室里的东西都放进去了 |
| 40 | Because the less food you waste, | 因为你浪费的食物越少 |
| 41 | the less money you waste. | 你浪费的钱越少 |
| 42 | Here one second, I'll take you on a bit of a fridge tour. | 等一下,我带你去一个冰箱旅游 |
| 43 | So we just recently did a big Costco restock. | 所以我们刚刚做了一个大好市多补丁。 |
| 44 | So we have frozen beef here. | 所以我们把牛肉冷冻了 |
| 45 | We have some frozen | 我们有些冰冻 |
| 46 | veggies, frozen fruits and berries for smoothies. | 蔬菜,冰冻的水果和浆果,用作冰沙. |
| 47 | Here I've got some frozen salmon, frozen chicken | 我这儿有冷冻的鲑鱼,冷冻的鸡肉 |
| 48 | thighs, chicken breasts. | 大腿,鸡胸。 |
| 49 | So we're good for a while there. | 所以,我们有一段时间好。 |
| 50 | We buy a ton of dairy in bulk. | 我们批量买了一吨牛奶 |
| 51 | So I feel | 所以我觉得 |
| 52 | the yogurt and the cottage cheese from Costco is just simply the best deal. | 酸奶和来自好市多的奶酪只是最好的交易 |
| 53 | We always get a bunch | 我们总是有一堆 |
| 54 | of eggs. | 鸡蛋。 |
| 55 | These last us quite a long time. | 这些都持续了很长时间。 |
| 56 | Another tip if you do get bored of eating the same thing | 如果你真的厌倦了吃同样的东西,那又一个小费 |
| 57 | every week is just to change up your sauces. | 每周都换酱汁 |
| 58 | So we always keep a barbecue sauce here. | 所以我们总是在这里放烧烤酱 |
| 59 | I always have | 我总是这样 |
| 60 | different soy sauces, light soy sauce, dark soy sauce, sriracha, honey, things like that to | 不同的酱油,轻的酱油, 黑的酱油,sriracha,蜂蜜,类似的东西 |
| 61 | make a bunch of different sauces. | 做一堆不同的酱汁。 |
| 62 | So that will last us a while, but once all that is gone, | 这会让我们持续一段时间 但一旦这一切消失 |
| 63 | then that's when we start getting into eating things like tuna, pasta, and we really try to | 然后我们开始吃金枪鱼 面条之类的东西 我们真的想 |
| 64 | empty everything out before we go and restock again. | 把所有东西都清空 然后再去休息 |
| 65 | Basically when we're getting close to our | 基本上当我们接近我们 |
| 66 | grocery restock time, we do a use what you have week. | 杂货店休息时间,我们利用你一周的时间 |
| 67 | And it saves money because I'm grocery | 这能省钱 因为我是杂货店的 |
| 68 | shopping less and it becomes very easy to actually eat what you bought instead of filling up your | 买的少了 吃你买的 而不是填满你买的 |
| 69 | pantry accumulating things that you're never going to eat. | 储存你永远吃不下的东西 |
| 70 | And speaking of eating everything | 说到吃东西 |
| 71 | that you buy, that's where I also stopped buying everything in bulk. | 你买,这就是我 也停止购买所有批量。 |
| 72 | I think some of the most | 我觉得一些最 |
| 73 | common advice I heard to save money was to basically shop at Costco for everything. | 我听说节省钱的共同建议 就是在好市多买东西 |
| 74 | And I | 还有我 |
| 75 | do think buying in bulk and shopping at Costco does save money in certain areas, but at other | 倒觉得在好市多买东西 在某些地方可以省钱 但在其他地方 |
| 76 | times it can be more expensive. | 可能更贵 |
| 77 | And if you're not feeding a family of five, you don't need to buy | 如果你没有养活一个五个家庭, 你不需要买 |
| 78 | everything in bulk. | 所有的东西都是批量的。 |
| 79 | Like Jeff and I do eat a lot. | 就像杰夫和我经常吃一样 |
| 80 | So where we do find value and save money is in | 因此,我们找到价值 和节省的钱是在 |
| 81 | buying things like most meats, fish, dairy, and eggs from Costco and maybe, you know, toilet paper, | 从好市多买肉、鱼、奶和鸡蛋 可能还有卫生纸 |
| 82 | but almost everything else we buy fresh and individually. | 但几乎所有其它的 我们购买新鲜和单独。 |
| 83 | And that's because if we bought | 因为如果我们买了 |
| 84 | in bulk, again, the food would just go bad and we were going to waste it. | 成批地,再次, 食物只是去坏, 我们要去浪费它。 |
| 85 | Like I can't tell you | 就像我不能告诉你 |
| 86 | how many times I tried buying those bags of avocados from Costco and we just couldn't keep | 多少次我试图从好市多买这些袋鳄梨 我们只是无法保存 |
| 87 | up with them before they went bad. | 在他们变坏之前和他们在一起 |
| 88 | So especially for food that goes bad, I'll buy one or two of | 所以,特别对于坏的食物, 我会买一两 |
| 89 | them and just focus on finishing that first because you know what? | 他们只是专注于完成 首先因为你知道吗? |
| 90 | You can food shop for | 你可以去买东西 |
| 91 | your fantasy self too and you can think you're going to eat something and then you never get | 你幻想中的自我,你可以认为 你会吃的东西,然后你永远不会得到 |
| 92 | to it because that shit's expensive and we're trying to save money here. | 因为那玩意很贵 我们想在这里省钱 |
| 93 | And I know eating | 我知道吃东西 |
| 94 | what you have is not as exciting as DoorDash and neither is this next habit, but I don't actually | 你没有像DoorDash那样激动人心 下个习惯也一样 但我其实没有 |
| 95 | feel like I'm sacrificing anything here and that is with my daily coffee routine. | 感觉就像我牺牲了这里的一切 和我的日常咖啡常规。 |
| 96 | So I find it's | 所以我觉得 |
| 97 | not the daily takeout latte that's the problem. | 问题不在于每日拿铁 |
| 98 | It's the spending on autopilot thing. | 是自动驾驶方面的开支 |
| 99 | So here's | 所以这里 |
| 100 | my philosophy when it comes to this. | 我的哲学在这件事情上。 |
| 101 | I like to save my cafe spending, sort of my special coffee, | 我喜欢节省我的咖啡店开支 那种我特殊的咖啡 |
| 102 | for either socializing or if I'm working from home or something like that, then I like to use | 要么去社交 要么我在家工作 要么那样的话 我喜欢用 |
| 103 | it as an excuse to break up my day. | 以此为借口来打破我的一天。 |
| 104 | Otherwise I just wouldn't leave the house. | 否则我就不离开房子了 |
| 105 | That is where I find | 这是我发现的地方 |
| 106 | the most joy in spending money on coffee like that. | 最快乐的是在咖啡上花钱 |
| 107 | And that's where spending six dollars on a latte | 在那里花六美元买拿铁 |
| 108 | actually, you know, adds something to my life. | 实际上,你知道, 增加的东西我的生活。 |
| 109 | It's about the experience. | 这是关于经验。 |
| 110 | But for daily survival | 但为了日常生存 |
| 111 | coffee, one sec this is gonna get loud, then I stick to making it at home. | 咖啡,一秒钟,这是要去大声的, 然后我坚持做在家里。 |
| 112 | And this is not to be | 这不会是 |
| 113 | like super frugal or anything. | 就像超级节俭之类的 |
| 114 | It does save money, but it's just to turn my need for coffee, this is | 这的确节省了钱,但它只是让我 需要咖啡,这是 |
| 115 | my survival habit. | 我的生存习惯。 |
| 116 | It's to make sure that it just doesn't turn into a daily expense and one that | 它是为了确保它只是 不变成日常开支和 |
| 117 | just isn't special anymore. | 只是不再特别了。 |
| 118 | I don't want to get so used to buying coffee out all the time that it | 我不想老是买咖啡出来 |
| 119 | just doesn't mean anything to me. | 只是不意味着什么对我来说。 |
| 120 | But that doesn't mean that you can't romanticize your coffee | 但这并不意味着你不能把咖啡浪漫化 |
| 121 | experience at home. | 在家里的体验。 |
| 122 | I still like to buy the good beans from our local cafe. | 我还是喜欢从当地的咖啡馆买好豆子 |
| 123 | I make it in a Chemex | 我用化学药剂做的 |
| 124 | like this. | 像这样 |
| 125 | I'll pour over in fancy style. | 我会倒在花样。 |
| 126 | Like this is very... | 就像这个... |
| 127 | 这感觉像2016-17 Instagram | |
| 128 | YouTube怀旧吗? | |
| 129 | I feel like it was all about coffee montages at that time on YouTube. | 我觉得那时在YouTube上都是关于咖啡蒙太奇的 |
| 130 | But I | 不过 |
| 131 | make my coffee like this every single day. | 每天都这样煮咖啡 |
| 132 | And it's nice. | 且道不错. |
| 133 | It forces you to slow down. | 这迫使你慢下来。 |
| 134 | I wish you could | 我希望你能够 |
| 135 | smell this right now. | 现在闻闻这个 |
| 136 | It is so good. | 这是非常好的。 |
| 137 | So depending on what beans you buy, you might not save a ton | 所以,取决于你买什么豆子, 你可能不会节省一吨 |
| 138 | of money here, but it does help with that mindless daily autopilot spending and it just feels good. | 钱在这里,但它确实 帮助无脑的日常自动驾驶开支, 它只是感觉很好。 |
| 139 | And now we wait. | 现在我们等待。 |
| 140 | This is actually my second coffee of the day. | 这是我今天的第二杯咖啡 |
| 141 | I don't think I actually need this, | 我想我真的不需要这个 |
| 142 | but we're filming. | 但我们在拍摄 |
| 143 | So like I said, I'm not saying don't buy your coffee. | 就像我说的,我不是说不要买咖啡 |
| 144 | Buy it if you want to. | 你想买就买吧 |
| 145 | I | 一、导 言 |
| 146 | just like to buy mine with intention. | 只是喜欢买我的有意图。 |
| 147 | Okay, so this next habit is going to save you a ridiculous | 好吧,所以这个下个习惯 会救你一个荒谬的 |
| 148 | amount of money though, and that is stop shopping to kill time. | 钱的多少, 而这就是停止购物 以消耗时间。 |
| 149 | And you know, this one used to be a | 你知道,这个曾经是一个 |
| 150 | tough one for me because I was a full-blown shopaholic for years. | 对我而言很艰难,因为我多年来都是个彻头彻尾的商店狂 |
| 151 | Basically, the only way | 基本上,唯一的办法 |
| 152 | I knew how to spend any moment of downtime I had was by shopping. | 我知道如何花 任何一分钟的停机时间 我通过购物。 |
| 153 | So things like avoiding | 所以,事情喜欢避免 |
| 154 | shopping on your phone, shopping when you're on your lunch break, or have any downtime. | 或有休息时间。 |
| 155 | It's going to save you a ton of money because straight up ignorance is bliss. | 它会节省你一吨钱 因为直接无知就是幸福 |
| 156 | Because the truth | 因为真相 |
| 157 | is the more you let yourself browse, the more you're going to find something to want. | 越是让你自己浏览, 你会找到想要的东西。 |
| 158 | And the | 还有 |
| 159 | more that thing is going to take away your attention and your money. | 那东西会夺走你的注意力和钱 |
| 160 | And you know what? | 你知道吗? |
| 161 | It is boring | 这太无聊了 |
| 162 | because I love to buy stuff. | 因为我喜欢买东西。 |
| 163 | But there were a few things that did help me come up with new habits to | 但有几件事能帮助我 找到新的习惯 |
| 164 | replace that boredom shopping. | 代替无聊的购物。 |
| 165 | One was to find a hobby that was either challenging or creative. | 一个是找到一种具有挑战性或创造性的爱好。 |
| 166 | So at the very beginning I was doing things like making YouTube videos, posting on social media. | 一开始我在制作YouTube视频, 在社交媒体上发布。 |
| 167 | And nowadays because I do do content more on a full-time basis, I've replaced a lot of my | 而现在,因为我做更多的满足 在全职的基础上,我已经替换了很多我的 |
| 168 | boredom downtime with more challenging hobbies. | 无聊的休息时间 更具有挑战性的爱好。 |
| 169 | Like going to the gym. | 就像去健身房一样 |
| 170 | I recently ran a half | 我最近跑过一半 |
| 171 | marathon so I had to do a ton of training for that. | 马拉松,所以我必须做一吨的训练 |
| 172 | And when you're not spending your downtime | 当你不花你的休息时间 |
| 173 | shopping, you will learn to spend your time doing other things. | 你会学会花时间做别的事 |
| 174 | Things that end up feeling | 最终的感觉 |
| 175 | more productive, more fun, more creative, even just like more wholesome in general. | 更富有生产力,更有趣,更有创意,甚至像一般的更健康. |
| 176 | Things that | 那些东西 |
| 177 | you can do that make you feel proud and make you feel accomplished. | 你可以做到这一点,让你觉得骄傲 让你觉得成就。 |
| 178 | Even something as simple as | 即使是简单的东西 |
| 179 | going on a walk or going to read a book. | 散步或看书 |
| 180 | Instead of just filling your time with shopping, it's going | 而不是只用购物时间,而是去 |
| 181 | to save you a ton of money. | 为了给你省一大笔钱 |
| 182 | But it's also just going to be so much better and healthier for you | 但对你来说也更好 更健康 |
| 183 | over time too. | 也随着时间的流逝 |
| 184 | And you know, that is not to say that I don't shop now because I definitely do. | 你知道,这不是说我现在不购物 因为我绝对这样做。 |
| 185 | But the other thing I started doing with this boredom scrolling in particular is to set boundaries | 但我开始做的另外一件事 特别无聊的滚动 是设定界限 |
| 186 | around it. | 围绕它。 |
| 187 | So for example, I'm not allowed to buy anything if I have just woken up first thing in | 所以,举例来说,如果我刚醒过来,就不允许买任何东西 |
| 188 | the morning. | 早上的时候 |
| 189 | I find that used to be a very kind of vulnerable time for me. | 我发现那曾经是 我非常脆弱的时间。 |
| 190 | Other things is like, | 其他事情是这样的, |
| 191 | I can't make a big purchase unless I'm on my laptop. | 我不能做一个大采购 除非我在我的笔记本电脑。 |
| 192 | Or if I do want to go shopping, | 或者,如果我想去购物, |
| 193 | which is okay to do, I either schedule it in ahead of time, do it in person, or let myself do | 我要么提前安排 亲自做 要么自己做 |
| 194 | it after I've accomplished the things that I want to accomplish for the day. | 完成我今天想完成的事业之后 |
| 195 | So a combination of | 所以,一个组合 |
| 196 | setting boundaries and limits around shopping and finding new ways to spend your time. | 设定购物的界限和限制,并寻找新的方法来花费你的时间。 |
| 197 | Yeah, | 对 |
| 198 | it might not be as fun, especially initially, but it's going to save you a ton of money in the long | 可能没有那么好玩,尤其是一开始, 但它会节省你一吨钱 在漫长的时间 |
| 199 | run. | 运行。 |
| 200 | And this really closely relates to my next habit that has really been a game changer in saving | 这和我的下个习惯是密切相关的, 那种习惯其实是改变游戏的储蓄 |
| 201 | me money. | 我的钱。 |
| 202 | And that is simply having a boring weekly routine. | 这只是一个无聊的每周例行公事。 |
| 203 | Like if I'm quite honest, | 就像如果我很诚实, |
| 204 | I don't live a very exciting life at all. | 我活得一点也不刺激 |
| 205 | I don't go on a bunch of big vacations. | 我不会去一堆大假期。 |
| 206 | I don't go to | 我没有去 |
| 207 | events. | 事件。 |
| 208 | And I don't mind it. | 亦不思议. |
| 209 | I like it that way. | 我喜欢这样 |
| 210 | Because the truth is having a boring routine | 因为真相是无聊的 |
| 211 | protects your wallet. | 保护你的钱包。 |
| 212 | Because when I don't have a routine is when I start to sort of just default | 因为当我没有例行公事时... 就是当我开始默认的时候 |
| 213 | to the other path of least resistance, which ultimately leads me to my phone scrolling social | 到了另一条抵抗最小的道路, 最终导致我 我的电话滚动社交 |
| 214 | media and then finding something to buy that I didn't even know existed in the first place. | 然后找到我根本不知道的东西 |
| 215 | It's also where I see people go on amazing trips and go to amazing dinners. | 这也是我看到人们去 令人惊奇的旅行和 去令人惊奇的晚餐。 |
| 216 | And I start to feel | 我开始觉得 |
| 217 | this pressure that I need to keep up and do the same thing instead of just keeping the blinders on | 压力,我需要跟上 做同样的事情 而不是仅仅保持盲目 |
| 218 | and rolling with my routine that's been working for me. | 和我一直为我效劳的例行公事 |
| 219 | And don't get me wrong, because this | 别误会,因为这个 |
| 220 | definitely doesn't mean that I don't want to travel or that I don't like going out to restaurants and | 肯定不代表我不想旅行 或者我不想去餐馆 |
| 221 | new things and experiences. | 新的东西和经验。 |
| 222 | But at the end of the day, having a structured and predictable | 但是,在一天结束时, 一个结构化和可预测的 |
| 223 | routine that I can fall back on, it keeps me consistent and it keeps me moving in the | 例行公事,我可以倒回去, 它保持我的一致性, 它让我移动在 |
| 224 | direction that I want to go. | 我想走的方向。 |
| 225 | I don't know, I love the boring life. | 我不知道,我喜欢无聊的生活。 |
| 226 | Okay, but now let's get into the | 好吧,但现在让我们进入 |
| 227 | next habit, which will not only be a game changer for your wallet, but you're gonna get that glow | 下个习惯,这不仅仅是一个游戏 改变你的钱包, 你会得到的光芒 |
| 228 | too. | 也一样。 |
| 229 | And that is saving money on your skincare and beauty routine. | 这就是节省钱 在你的皮肤护理和美容常规。 |
| 230 | Okay, so listen, if you're | 好吧,所以听着,如果你是 |
| 231 | trying to get that glow, you do not need a 10, 20, 30 step skincare routine. | 为了获得光芒,你不需要 10,20,30步的皮肤护理常规。 |
| 232 | When I was doing the | 当我做 |
| 233 | most for my skin and spending the most money on it, it looked like this. | 最多是为了我的皮肤 花最多的钱 看起来像这样 |
| 234 | And the moment that I | 而那一刻,我 |
| 235 | simplified my skincare routine, narrowed it down to around four or five products where the majority | 简化我的皮肤护理程序, 缩小到大约四到五种产品, |
| 236 | of them are either from the drugstore or Korean skincare was when I started to get the skin I | 他们要么是药店的 要么是韩国的皮肤护理 当我开始得到皮肤时 |
| 237 | actually wanted. | 其实是想要的 |
| 238 | Not an ad, this is just what I'm using. | 不是广告,我只是用这个 |
| 239 | This is the skin cleanser that I'm using | 这是我使用的皮肤净化器 |
| 240 | right now. | 现在 |
| 241 | It is from the drugstore. | 是从药店来的 |
| 242 | One bottle is probably under $20 and this has lasted me like | 一瓶可能还不到20美元 这让我忍不住 |
| 243 | half of the year already and I still have so much left to go. | 半年了,我还有好多事要做 |
| 244 | But this is basically my entire skincare | 但这基本上是我的整个皮肤护理 |
| 245 | routine morning and night right now. | 例行的早上和晚上 现在。 |
| 246 | It's affordable, it's effective, I feel like the skin is skinning. | 价格低廉,效果好,我觉得皮肤在剥皮. |
| 247 | So in this case, the more boring, the more simple, the better. | 所以在这种情况下,越无聊,越简单,越好. |
| 248 | And speaking of simplifying your | 说到简化你 |
| 249 | skincare, I think there is something to be said about simplifying your makeup routine too. | 皮肤护理,我想有些事情要说 简化你的化妆程序。 |
| 250 | Because | 因为 |
| 251 | I feel like I had to learn the hard way as a recovering over consumer that half of the key | 我觉得我不得不学习艰难的方法 作为一个复苏过消费者 那一半的钥匙 |
| 252 | to saving money is using up what you bought. | 储蓄是用你买的 |
| 253 | Which for my makeup lovers out there means you | 对我的化妆爱好者来说 就是说你 |
| 254 | got to do a project pan, aka just using up your makeup before you buy more. | 得做一个项目锅,AKA 只是用完你的化妆品之前,你购买更多。 |
| 255 | I've actually been | 其实我是 |
| 256 | doing my own project pan since November of 2024 and if I learned anything, it is that it takes | 从2024年11月开始做我自己的工程 如果我学到了什么 那就是需要 |
| 257 | forever to use up a makeup product. | 永远用在化妆品上 |
| 258 | I have been working on this concealer for a year and a half | 我研究这个隐藏器一年半了 |
| 259 | and look at how much I still have left. | 看看我还剩下多少 |
| 260 | And the thought of using what you have, it does feel | 想想用你拥有的东西 它确实感觉 |
| 261 | boring. | 无聊 |
| 262 | It's always more fun to buy the new thing, to try something else, to change things up. | 购买新东西,尝试别的东西,改变事情,总是更有趣. |
| 263 | But I | 不过 |
| 264 | {\fn黑体\fs20\shad2\2aH82\3aH20\4aH33\fscx95\3cH592001\be1}你不是总想着买些新东西 {\fn黑体\fs20\shad2\2aH82\3aH20\4aH33\fscx95\3cH592001\be1}你可以创造出 | |
| 265 | novelty within the things you already own. | 在你已经拥有的事物中 充满了新意 |
| 266 | Like I'm going to tell you, fewer things are more satisfying | 就像我要告诉你, 少的事情更满足 |
| 267 | than hitting pan on a product. | 比打锅在产品上。 |
| 268 | Like look at this, this is a highlighter. | 就像看看这个,这是一个亮点。 |
| 269 | I have never hit pan on a | 我从来没有打过锅 |
| 270 | highlighter in my life. | 我生命中的亮点。 |
| 271 | Look how beautiful that is. | 看看这有多美 |
| 272 | Like that is exciting. | 就像这令人兴奋。 |
| 273 | This is the farthest | 这是最远的 |
| 274 | thing from boring in my opinion. | 我觉得很无聊 |
| 275 | And one of my most favorite boring habits of all actually applies | 我最喜欢的无聊习惯之一 实际上应用 |
| 276 | to your closet and that is simply just wearing your clothes. | 在你的衣柜里 那只是穿着你的衣服 |
| 277 | It sounds boring but being an outfit | 听起来很无聊,但装扮 |
| 278 | repeater is going to save you a ton of money because every time that you wear something from | 中继器会给你省一吨钱 因为每次你穿一件东西 |
| 279 | your closet instead of buying something new, you're lowering that cost per wear. | 你的衣柜不是买新衣服 而是降低每件衣服的成本 |
| 280 | A $300 sweater that | 一件300块的毛衣 |
| 281 | you wear 30 times is going to be cheaper than a $30 sweater you wore once or not at all. | 你穿30次会比穿30美元的毛衣便宜 |
| 282 | And I | 还有我 |
| 283 | would argue that the more you wear your clothes and even repeat your outfits, the more confident | 你穿得越多 连衣服也越自信 |
| 284 | with yourself and your personal style that you're going to become. | 与你自己和你的私人风格 你会成为。 |
| 285 | And in the long run, it's just | 从长远来看,这只是 |
| 286 | {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}会帮助你更聪明地购物 {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}买的越来越少了 {\fn黑体\fs22\bord1\shad0\3aHBE\4aH00\fscx67\fscy66\2cHFFFFFF\3cH808080}因为你知道自己是什么 | |
| 287 | going to wear and it's as simple as knowing what you like versus what you don't. | 穿着它就像知道自己喜欢什么 不喜欢什么一样简单 |
| 288 | So as scary as | 这么可怕 |
| 289 | repeating sounds, I think it's actually the key to finding your personal style and saving money | 重复声音,我觉得这其实是 找到你个人风格和储蓄的关键 |
| 290 | while you're at it. | 当你在它。 |
| 291 | Okay, this next habit is something that almost nobody wants to do but | 好吧,这下一个习惯是 几乎没有人想做,但 |
| 292 | it has truly changed the course of my financial future and has saved me | 这真的改变了我财务的未来 救了我 |
| 293 | thousands and thousands of dollars over the years and that is budgeting. | 这些年来,成千上万美元,这是编制预算。 |
| 294 | So for a lot of you, | 所以对你们很多人来说 |
| 295 | that's where I'm sure you've clicked out of the video. | 我敢肯定,你已经点击了视频。 |
| 296 | But for those of you still around, | 但对于你们这些还在身边的人来说, |
| 297 | stick with me because budgeting is going to change your life. | 跟着我 因为预算会改变你的生活 |
| 298 | Yes, it's boring. | 是的,这很无聊。 |
| 299 | Yes, | 对 |
| 300 | it can feel tedious. | 感觉很乏味 |
| 301 | Yes, it can even feel overwhelming and intimidating. | 是的,它甚至可以感到压倒性和恐吓。 |
| 302 | But once you | 不过一旦你 |
| 303 | get it down, it is the number one key factor that is going to make you feel in control | 把它放下,这是头一个关键因素 会让你感觉控制 |
| 304 | and confident about your finances. | 对你的财务有信心 |
| 305 | I've been budgeting pretty much every single day of my | 我几乎每一天都在为我 |
| 306 | life since 2019 when I first committed to paying off my over $120,000 of student loan debt and | 自从2019年我第一次承诺偿还 超过12万元的学生贷款债务以来 |
| 307 | overcome that shopping addiction that was keeping me broke. | 克服那个让我破碎的购物迷 |
| 308 | And it's a financial habit that I still | 我仍然有这种财务习惯 |
| 309 | do to this very day, even though I paid off my debt almost four years ago at this point. | 尽管我几乎四年前还清了债务, |
| 310 | But the | 不过 |
| 311 | whole point of budgeting is that it just keeps you on top of your money. | 整个预算的要点是 它让你保持你的钱。 |
| 312 | It's the only way that | 这是唯一的办法 |
| 313 | you're going to get an idea of where your money's going, by how much, and more importantly, why. | 你会得到一个想法 你的钱去向, 通过多少,更重要的是,为什么。 |
| 314 | In my budgeting template, I also made it so that you can track your mood alongside your spending | 在我的预算模板中,我还做了这个,这样你就可以 跟踪你的心情和你的开支 |
| 315 | just so you can kind of unlock any patterns there because I think it's important to know | 只是让你可以解开任何模式 因为我认为重要的是要知道 |
| 316 | your emotional state when you're spending too and trying to spend less. | 你的情绪状态 当你花费太 并试图花费更少。 |
| 317 | And I also track what | 我也跟踪 |
| 318 | purchases I feel like were impulsive versus intentional, just so I can get a better sense | 买东西我感觉很冲动 而不是故意的 只是为了让我有更好的感觉 |
| 319 | of my spending behaviour overall. | 我总的消费行为 |
| 320 | I'll leave a link down below if you want to go check it out, | 我下面留个链接 如果你想去看看的话 |
| 321 | but no pressure, you do you. | 但没有压力,你做你。 |
| 322 | So boring? | 这么无聊? |
| 323 | Yes. | 对 |
| 324 | Sexy? | 性感吗? |
| 325 | Absolutely not. | 绝对不是。 |
| 326 | But it is the one key | 但它是一个关键 |
| 327 | habit that I think is going to transform the course of your finances. | 我认为会改变你的财政状况 |
| 328 | And you know, you budget to | 你知道,你预算 |
| 329 | track your expenses, to pay your bills on time, and speaking of bills, that's the final habit, | 跟踪你的开销 按时支付账单 说到账单 这是最后的习惯 |
| 330 | treat yourself like a bill, aka pay yourself. | 把自己当做账单一样 自己付钱 |
| 331 | I can't remember where I saw this. | 我不记得我在哪里见过这个了 |
| 332 | I'm sure it | 我敢肯定,这是 |
| 333 | was on TikTok or something, but it said, you are a bill, so pay yourself like one. | 是在TikTok什么的, 但它说,你是一个账单, 所以支付自己像一个。 |
| 334 | And that has truly | 这真的 |
| 335 | changed my life because here's the thing, paying bills is boring. | 改变了我的生活,因为 事情是这样的,支付账单是无聊的。 |
| 336 | The last thing I want to do is | 我最不想做的事是,我们... |
| 337 | pay my bills. | 支付我的账单。 |
| 338 | I want to treat myself. | 我想治疗自己。 |
| 339 | I want to exhibit all of my use of free will on as much fun | 我想展示我所有使用自由意志的乐趣 |
| 340 | as I possibly can, but not before I do the very boring habit of paying myself first. | 我可能可以,但在此之前,我做 非常无聊的习惯,先付钱给自己。 |
| 341 | Because for | 因为 |
| 342 | I was getting the process wrong. | 我搞错了 |
| 343 | I would get paid and the first thing I would do is pay my rent, | 我会得到报酬,第一件事是支付我的租金, |
| 344 | pay my bills, pay off my credit card, and then whatever was left over, you know, it's like, | 付我帐单,还我信用卡 然后不管剩下的,你知道的,就像, |
| 345 | okay, well, I worked really hard. | 好吧,好吧,我真的很努力地工作。 |
| 346 | I'm going to go out to dinner now. | 我现在要出去吃晚饭 |
| 347 | I'm going to go treat myself. | 我要去治疗自己。 |
| 348 | I'm going to go shopping. | 我要去买东西。 |
| 349 | And then I would say, whatever's left over after that, that's what I'm | 然后我会说, 任何剩下的 之后,这就是我是什么 |
| 350 | going to save and invest. | 将节省和投资。 |
| 351 | But guess what? | 但你知道吗? |
| 352 | That never really ended up happening until I started | 直到我开始才真正发生 |
| 353 | treating myself like a bill and make sure that I paid myself. | 把自己当做账单一样对待 确保我付了钱 |
| 354 | This I actually have automated | 我其实是自动的 |
| 355 | so I don't actually see that money hit my checking account. | 所以我没看到那些钱打到我的支票账户上 |
| 356 | It just goes right out into my savings | 直接放进我的存款里 |
| 357 | and I watch it grow on autopilot. | 我看着它生长在自动驾驶上 |
| 358 | And yeah, paying your future self, it is boring. | 是啊,支付你的未来自己, 这是无聊的。 |
| 359 | YOLO总是 | |
| 360 | going to be so much more fun than thinking about your future, but it has to be done. | 会比想着你的未来更有趣 但必须得这么做 |
| 361 | And it's really | 这是真的 |
| 362 | in the boring stuff that you're going to find the most return. | 在无聊的东西 你会找到最回报。 |
| 363 | So those are the 10 boring habits | 那十种无聊的习惯 |
| 364 | that save me serious money. | 那能帮我节省大笔钱 |
| 365 | But this only truly works if your money is not a complete mess behind | 但你的钱不是一团糟,这才真正有效 |
| 366 | So if you feel out of control or overwhelmed with your money, watch this video next where I show you | 所以,如果你觉得失控 或被你的钱压倒了, 看这视频 下一个我给你看 |
| 367 | exactly how to declutter it, kind of the way you would your closet. | 如何解开它, 那种你的方式 你的衣柜。 |
| 368 | Thanks for watching and I'll | 谢谢你的观看,我会 |
| 369 | see you next week. | 下周见 |
| 370 | Bye. | 再见。 |
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