花30%享乐还能存20%？这套预算法绝了
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | Are you struggling to get a handle on your finances? | 你很难掌握你的财政状况吗? |
| 0:02 | What if there was a simple formula | 如果有一个简单的公式 |
| 0:04 | to help you effectively budget without overthinking it? | 帮助你有效地编制预算而不过分思考? |
| 0:07 | Luckily that's where the 50-30-20 rule comes in. | 幸运的是,50 -30 -20规则就在这里 |
| 0:10 | Hi, I'm Jacob Wade from Lunch Money. | 嗨,我是午餐钱的雅各布·韦德 |
| 0:12 | I'm a financial coach and today I want to break down | 我是财经教练 今天我想分手 |
| 0:15 | the 50-30-20 budgeting method which is a straightforward way to manage your money | 50 -30 -20的预算编制方法 这是管理你钱的直截了当的方法 |
| 0:19 | to help you spend less, save more, and hit your financial goals a lot faster. | 帮助你减少开支,节省更多, 并更快地打击你的金融目标。 |
| 0:24 | I'm going to explain how the 50-30-20 rule works for your budget, | 我要解释一下50 -30 |
| 0:28 | why it's an effective way to help you save more money and show a real-life example of what that | 为什么它是一个有效的方法 帮助你节省更多的钱 并展示一个真实的例子 |
展开字幕全文（127 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | Are you struggling to get a handle on your finances? | 你很难掌握你的财政状况吗? |
| 2 | What if there was a simple formula | 如果有一个简单的公式 |
| 3 | to help you effectively budget without overthinking it? | 帮助你有效地编制预算而不过分思考? |
| 4 | Luckily that's where the 50-30-20 rule comes in. | 幸运的是,50 -30 -20规则就在这里 |
| 5 | Hi, I'm Jacob Wade from Lunch Money. | 嗨,我是午餐钱的雅各布·韦德 |
| 6 | I'm a financial coach and today I want to break down | 我是财经教练 今天我想分手 |
| 7 | the 50-30-20 budgeting method which is a straightforward way to manage your money | 50 -30 -20的预算编制方法 这是管理你钱的直截了当的方法 |
| 8 | to help you spend less, save more, and hit your financial goals a lot faster. | 帮助你减少开支,节省更多, 并更快地打击你的金融目标。 |
| 9 | I'm going to explain how the 50-30-20 rule works for your budget, | 我要解释一下50 -30 |
| 10 | why it's an effective way to help you save more money and show a real-life example of what that | 为什么它是一个有效的方法 帮助你节省更多的钱 并展示一个真实的例子 |
| 11 | could look like. | 可以看起来像。 |
| 12 | And if you stick around to the end I want to show you how you can actually build | 如果你坚持到底,我想告诉你 你如何真正建造 |
| 13 | the 50-30-20 budget into lunch money so you can make sure you're on track with your money at all times. | 50 -30 -20预算 成为午餐钱 这样你就可以确保 你的钱在任何时间的轨道上。 |
| 14 | All right so what exactly is the 50-30-20 rule? | 好吧 那么50 -30 |
| 15 | Well it comes from a book written by Senator | 是从参议员写的书上写的 |
| 16 | Elizabeth Warren and the idea is to broke your progress 将你的预算分为三个简单的类别. | |
| 17 | You have your needs, you have your wants, and then you have savings and debt repayment. | 你有你的需求,有你的需求, 然后你有储蓄和还债。 |
| 18 | And those three categories is how you're going to split up your money that you earn for the month. | 这三类是你们如何将你们一个月赚的钱分出去的。 |
| 19 | And the idea behind these three buckets is to make it easy to look at your numbers and go okay | 这三个桶背后的主意是 很容易看清你的号码 然后走好 |
| 20 | can I put 50% toward my needs only? | 我能只满足我50%的需求吗? |
| 21 | Can I bring my budget down to that amount? | 我能把我的预算降到这个水平吗? |
| 22 | Can I try to make | 我可以试着使 |
| 23 | sure I'm spending guilt-free on stuff that I enjoy right? | 确定我对自己喜欢的东西没有内疚? |
| 24 | Put 30% of your money toward the things you | 把钱的30%用在你身上 |
| 25 | actually like and then it guarantees you're putting away 20% of your money which is a good | 其实就像,然后它保证 你把钱的20% 这是很好的 |
| 26 | amount toward things like saving and future retirement goals. | 像是储蓄和未来退休目标 |
| 27 | So let's break down each of | 所以,让我们分解 |
| 28 | those categories. | 这些类别。 |
| 29 | First thing is needs. | 首先,需要帮助。 |
| 30 | 50% of your money should go towards your needs. | 你的50%的钱应该满足你的需要 |
| 31 | So this | 所以这个 |
| 32 | includes a rent payment or mortgage payment. | 包括支付租金或抵押贷款。 |
| 33 | This is your insurance and taxes and any expenses that | 这是你的保险和税费 和任何开支 |
| 34 | you cannot live without. | 你不能没有生命。 |
| 35 | These are bills that you have to pay. | 这是你必须支付的账单。 |
| 36 | Now I will say yes streaming services | 现在我要说是的 溪流服务 |
| 37 | are bills but those aren't necessities right? | 钞票,但这些不是必需品,对不对? |
| 38 | This is where you have to draw a line in the sand and | 这就是你在沙子上画一条线的地方 |
| 39 | if I had to live on a bare bones budget what are my needs? | 如果我不得不靠空骨预算生活 那我有什么需要? |
| 40 | So make sure you list those things out. | 所以,确保你 列出这些东西。 |
| 41 | Of course this includes things like utilities. | 当然,这包括公用事业。 |
| 42 | You gotta put food on the table. | 你得把食物放在桌上。 |
| 43 | This is groceries. | 这是杂货 |
| 44 | This is your car insurance. | 这是你的汽车保险。 |
| 45 | This is gas money. | 这是汽油钱。 |
| 46 | Things like that but nothing else goes in this | 这样的事情,但没有什么别的事会发生 |
| 47 | category. | 类别。 |
| 48 | Just those basic necessities. | 只是这些基本必需品。 |
| 49 | I know you might automatically be thinking I cannot live | 我知道你可能认为我活不下去 |
| 50 | on a basic necessity budget with 50% of my income. | 以我收入的50%作为基本必需品预算 |
| 51 | I'm gonna have to spend a lot more. | 我得花很多钱 |
| 52 | Rent is expensive where I live or groceries cost a lot more nowadays than when she wrote | 我住的地方或杂货店的租金很贵 现在比她写书要贵很多 |
| 53 | the book. | 书。 |
| 54 | Totally understand. | 完全理解这一点。 |
| 55 | And so maybe you need to spend 65% of your income on these needs | 所以也许你需要把收入的65% 用于这些需要 |
| 56 | or more. | 或超过。 |
| 57 | That's okay. | 没关系 |
| 58 | The goal is to try to set your baseline budget and then figure out are there | 目标是试着确定你的基线预算 然后找出答案 |
| 59 | ways that I can make choices that can get this down to 50% of my needs. | 我能够做出选择,把需求 降到50%。 |
| 60 | Maybe that's negotiating | 也许这是谈判 |
| 61 | your bills. | 你的账单。 |
| 62 | Maybe it's figuring out a cheaper place to live right? | 也许它想出一个更便宜的地方 住对不对? |
| 63 | These are life choices you're | 这些是你生命的选择 |
| 64 | going to have to make but this is just a framework for you to think about. | 但这只是你考虑的框架 |
| 65 | How do I bucket my money | 我怎么把钱放桶里 |
| 66 | so that I can always set aside money for savings? | 那样我就能把钱存起来? |
| 67 | And one way to do that is try to get your needs | 其中一个方法就是试着满足你的需求 |
| 68 | down to 50% of your budget. | 不到你预算的50% |
| 69 | Alright so the wants category is things that you actually enjoy and | 好吧,所以想要的类别 是你真正喜欢的东西 |
| 70 | the rule says to put 30% of your money toward guilt free spending. | 规则是把30%的钱 用于免罪支出 |
| 71 | Keyword here guilt free spending | 这里的关键词 免罪支出 |
| 72 | toward things like dining out or subscription services that you enjoy or travel or gym | 喜欢的东西,比如吃饭 或订阅服务 你享受,旅行或健身 |
| 73 | memberships or hobbies. | 加入或爱好。 |
| 74 | Those types of things that make life a lot more fun. | 那些让生活更有趣的东西 |
| 75 | The key is you | 关键是你 |
| 76 | want to make sure you build these things into your budget because as a financial coach I've | 想要确保你把这些东西 纳入你的预算 因为作为一个金融教练,我已经 |
| 77 | worked with people who tried to only stick to a bare bones budget and they burn out after a month | 和那些只坚持空骨预算 一个月后就烧光的人合作 |
| 78 | or two. | 或两个。 |
| 79 | There's no way to stick to this if you have zero fun in your budget. | 如果你预算里没有乐趣的话 就没有办法坚持下去 |
| 80 | So this one gives | 所以这个给了 |
| 81 | you a generous amount 30%. | 你慷慨的30%。 |
| 82 | Now again you might be thinking great that's high and I don't have | 再说一次,你可能觉得很棒 高,我没有 |
| 83 | that money. | 那笔钱 |
| 84 | I've got to put more toward my needs. | 我得多满足我的需求 |
| 85 | So maybe you're putting 65% towards your needs | 所以,也许你把65% 对于你的需要 |
| 86 | and just 15% toward your wants. | 15%的回报 |
| 87 | But again the goal would be how do I build a life and a budget | 但目标仍然是如何构建生活和预算 |
| 88 | where I can actually have 30% of my money on guilt free spending. | 在那里,我可以有我的钱的30% 免罪支出。 |
| 89 | That would be an amazing goal. | 这将是一个惊人的目标。 |
| 90 | Maybe it's something you work toward. | 也许这是你的工作。 |
| 91 | But again the rule is just trying to give you a baseline | 但规则是想给你一个基线 |
| 92 | framework to work from. | 工作框架。 |
| 93 | And then finally putting 20% of your money toward savings and debt repayment. | 最后把20%的钱 用于储蓄和还债。 |
| 94 | This is critical actually if you want to build wealth long term is to set aside a good chunk | 如果要长期积累财富 就要留出一大笔钱 |
| 95 | of money and don't compromise on that. | 钱,不要妥协。 |
| 96 | Always put money aside. | 总是把钱放在一边。 |
| 97 | Of course again you might be | 你当然是 |
| 98 | thinking 20% sounds like an amazing goal. | 认为20% 听起来是一个惊人的目标。 |
| 99 | I use most of my money. | 我用了我的大部分钱。 |
| 100 | How could I even get there? | 我怎么会去? |
| 101 | Maybe start at 10%. | 也许从10%开始 |
| 102 | Try to build a budget that allows you 10% and then as you get raises at work | 尝试构建一个预算 允许你10%,然后 当你在工作得到提高 |
| 103 | extra income comes in ratchet that up to 15 and then eventually get to 20%. | 额外收入占15%,最终达到20%。 |
| 104 | It's just a goal | 这只是个目标 |
| 105 | that you can set because it pretty much guarantees you're going to have future wealth. | 你可以设定 因为它几乎保证 你会有未来的财富。 |
| 106 | You're going | 你该走了 |
| 107 | to be able to retire if you can set aside 20% of your money. | 如果你能拨出20%的钱 就能退休 |
| 108 | Now this includes savings investing | 现在这包括储蓄投资 |
| 109 | and debt repayment. | 和还债。 |
| 110 | Now if you're in credit card debt if you have student loans things like that | 如果你欠了信用卡的话 如果你有学生贷款的话 |
| 111 | things that you are paying down maybe you're putting extra payments toward those debt repayments. | 你正在偿还的东西... ...也许你在为偿还债务而额外支付。 |
| 112 | This also includes things like opening a Roth IRA and starting to fund that or if you don't | 这还包括一些事情,比如开放一个罗斯爱尔兰共和军 并开始提供资金,或者如果你不这样做 |
| 113 | have a big enough emergency fund in place you're going to put money toward that. | 拥有足够大的紧急基金 你会为此投入资金。 |
| 114 | You could take | 你可以带走 |
| 115 | your 20% and split it three ways right 10% toward retirement 5% toward building a bigger emergency | 你的20%, 并分成三个方式 右10%退休 5%建设更大的紧急情况 |
| 116 | fund and 5% toward extra debt repayments. | 5%还本付息 |
| 117 | How you split this up is up to you but the goal is | 你如何分拆这件事 取决于你,但目标在于 |
| 118 | set aside 20% of your money that doesn't get spent elsewhere that gives you a return. | 留20%的钱 不花在别处 让你得到回报 |
| 119 | Now one tip on | 现在一个小费 |
| 120 | the savings piece is to automate it. | 储蓄是自动的 |
| 121 | Treat it like a bill. | 当作帐单处理 |
| 122 | Say hey on the fifth of the month I'm going | 5号月5号打个招呼 |
| 123 | to put money into my emergency fund and it's going to go away to my Roth IRA. | 把钱放进我的紧急基金 它会消失在我的罗斯爱尔兰共和军。 |
| 124 | Set up those recurring | 设置那些反复出现 |
| 125 | payments and make sure that you don't touch it. | 保证你不会碰它。 |
| 126 | That's one way to almost guarantee that you're | 这是几乎保证你 |
| 127 | going to save and hit your goal. Goal. Payments and make sure that you don't touch it. That's one way | 来拯救你的目标 进球了 付款和确保你不要碰它。 这是一条路 |
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