赚钱只有4种方式，你选对了吗？
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | There are only four ways to make money in this world. | 今世唯有四种法财. |
| 0:03 | Employee, self-employed, business owner, investor. | 职工,个体工商户,企业主,投资者. |
| 0:08 | And the one you're in decides whether you build wealth or spend your life chasing it. | 由你来决定是创造财富 还是花一生去追求财富 |
| 0:14 | Before we go further, let me ask you something. | 更进一步之前,我要问你一件事。 |
| 0:17 | If you lost your job tomorrow, how many days would you last? | 如果你明天丢了工作 你会活多久? |
| 0:20 | If that paycheck stopped on Friday, how long before everything starts falling apart? | 如果工资在周五停止, 多久前一切都开始崩溃? |
| 0:26 | 30 days? | 30天吗? |
| 0:27 | 90? | 90岁? |
| 0:29 | Whatever that number is, that is your real wealth. | 不管那个数字是什么,那是你真正的财富。 |
| 0:34 | Forget your salary. | 忘了你的薪水。 |
展开字幕全文（467 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | There are only four ways to make money in this world. | 今世唯有四种法财. |
| 2 | Employee, self-employed, business owner, investor. | 职工,个体工商户,企业主,投资者. |
| 3 | And the one you're in decides whether you build wealth or spend your life chasing it. | 由你来决定是创造财富 还是花一生去追求财富 |
| 4 | Before we go further, let me ask you something. | 更进一步之前,我要问你一件事。 |
| 5 | If you lost your job tomorrow, how many days would you last? | 如果你明天丢了工作 你会活多久? |
| 6 | If that paycheck stopped on Friday, how long before everything starts falling apart? | 如果工资在周五停止, 多久前一切都开始崩溃? |
| 7 | 30 days? | 30天吗? |
| 8 | 90? | 90岁? |
| 9 | Whatever that number is, that is your real wealth. | 不管那个数字是什么,那是你真正的财富。 |
| 10 | Forget your salary. | 忘了你的薪水。 |
| 11 | Forget the car you drive or the house you live in. | 忘了你开的车或者你住的房子 |
| 12 | Wealth is how many days you can survive without working. | 财富就是不用工作就能活多久 |
| 13 | And still live the life you live right now. | 过着现在的生活 |
| 14 | And out of those four ways to make money, two of them will trap you. | 从这四种赚钱的方法中 有两个会困住你 |
| 15 | The other two are how people actually get free. | 另外两个是人们如何真正获得自由。 |
| 16 | Today I'm going to show you which one you're in. | 今天我要告诉你你穿的是什么 |
| 17 | Why you're stuck there, and how to cross over to the side that builds wealth. | 为什么你被困在那里, 以及如何交叉到建设财富的一侧。 |
| 18 | I learned this framework back in August 2017 from a book called Cash Flow Quadrant. | 我在2017年8月从一本名为《现金流动四方》的书中了解到这个框架。 |
| 19 | But before we break down the four quadrants, one story first. | 但在我们破解四个四重奏之前,先讲一个故事. |
| 20 | Because once you get this story, the quadrants explain themselves. | 因为一旦你得到这个故事, 四方解释自己。 |
| 21 | Two guys, Ed and Bill, live in a small village that has no water. | 两个家伙,艾德和比尔, 住在一个没有水的小村庄。 |
| 22 | The elders decide to hire them to solve this problem. | 长老决定雇用他们来解决这个问题. |
| 23 | The first guy, Ed, immediately runs out, buys two buckets, | 第一个家伙,艾德,立即跑出, 买两桶, |
| 24 | and starts carrying water from the lake every single day, morning to sunset. | 开始每天从湖中运水 早上到日落 |
| 25 | Hard work, good money, the village is happy. | 勤劳勤劳,财气丰厚,村里欢乐. |
| 26 | Ed is happy. | 艾德很快乐 |
| 27 | The second guy, Bill, disappears for months. | 第二个家伙比尔失踪了几个月 |
| 28 | Nobody sees him. | 没人看见他 |
| 29 | Ed is thrilled, no competition. | 艾德很兴奋,没有竞争 |
| 30 | But then Bill comes back with a construction crew. | 但后来比尔又带了施工组人员回来. |
| 31 | And they build a pipeline directly from the lake to the village. | 他们从湖边直接修建一条通往村庄的管道. |
| 32 | Bill's water is cleaner. | 比尔的水比较干净 |
| 33 | It runs 24 hours a day, seven days a week. | 它每天24小时运行,每周7天. |
| 34 | And it costs 85% less than Ed's water. | 而且比艾德的水要少85% |
| 35 | The village immediately switches. | 村里马上开关 |
| 36 | Ed panics, buys more buckets, hires his sons, works nights and weekends. | 艾德惊慌失措,多买桶,雇佣儿子,晚上和周末上班. |
| 37 | But you cannot compete with a pipeline using buckets. | 但你不能用桶子和管道竞争 |
| 38 | Meanwhile, Bill takes his pipeline to other villages, then cities, then countries. | 同时,比尔把他的管道带到其他村庄,然后是城市,然后是国家. |
| 39 | He earns a penny from every bucket delivered. | 他从每桶货里挣一分钱 |
| 40 | But billions of buckets are delivered every day. | 但每天都有数十亿桶货运出来。 |
| 41 | He earns money while he sleeps, while he's on vacation, | 他一边睡觉一边赚钱一边度假 |
| 42 | while he's at dinner with his family. | 他和家人一起吃饭的时候 |
| 43 | Ed works hard his entire life and dies with financial problems. | 艾德毕生努力工作,因经济问题而死. |
| 44 | Bill builds once and earns forever. | 比尔一建,就永远挣钱 |
| 45 | Here is the question to ask yourself now. | 现在的问题是问你自己。 |
| 46 | Am I building a pipeline or am I carrying buckets? | 我是在建管道还是在装桶? |
| 47 | Your job is a bucket. | 你的工作是个桶 |
| 48 | Your salary is a bucket. | 你的工资是一桶。 |
| 49 | And there's nothing wrong with buckets. | 而桶s无碍. |
| 50 | We all need them to survive. | 我们都需要他们生存。 |
| 51 | And let me be open with you. | 让我对你敞开心扉 |
| 52 | I used to hate my buckets. | 常恨我桶头. |
| 53 | When I started reading books like this, | 当我开始看这种书时 |
| 54 | I would come home from my nine to five job and feel angry. | 我会从9到5份工作回家 感到愤怒 |
| 55 | Angry at my job. | 愤怒地在我的工作。 |
| 56 | Angry at my boss. | 愤怒的我老板。 |
| 57 | I thought my job was the thing standing between me and success. | 我以为我的工作是我和成功之间的事 |
| 58 | I thought if I could just quit tomorrow, everything would change magically. | 我以为如果我明天就辞职 一切都会奇迹般地改变 |
| 59 | I was wrong. | 我错了 |
| 60 | My job was not the problem. | 我的工作不是问题 |
| 61 | It was feeding me while I built my pipeline. | 我修管道时它正在喂我 |
| 62 | My salary paid for the rent, so I had a roof over my head while I figured things out. | 我的工资支付租金, 所以我有一个屋顶在我的头上 当我想出事情。 |
| 63 | So if you are carrying a bucket right now, listen carefully. | 所以,如果你正在携带一个桶 现在,仔细听。 |
| 64 | Don't hate it. | 别恨它。 |
| 65 | Your bucket is not your enemy. | 你的桶不是你的敌人。 |
| 66 | It's buying you the time to build your pipeline. | 让你有时间建管道 |
| 67 | But remember this. | 但记住这一点。 |
| 68 | A bucket will never make you free. | 一个桶永远不会让你自由。 |
| 69 | No matter how heavy the bucket is. | 无论桶子多重. |
| 70 | No matter how fast or how many you carry. | 无论你携带的速度和数量 |
| 71 | Because the moment you stop carrying, the water stops. | 因为当你停止携带, 水停止。 |
| 72 | So carry your bucket with gratitude. | 随心所欲 |
| 73 | Then go home and build your pipeline. | 那就回家去修输油管 |
| 74 | That's lesson one for you. | 这是给你的第一课 |
| 75 | Now here comes the most important question. | 现在出现了最重要的问题。 |
| 76 | Where do you build it? | 何处造. |
| 77 | And to answer that, we need to understand the cash flow quadrant. | 为了回答这个问题,我们需要了解现金流动四象限。 |
| 78 | It is a simple drawing. | 画得很简单 |
| 79 | Two lines, four boxes. | 两行四箱. |
| 80 | One for each type. | 每类各一. |
| 81 | On the left side, you have the employee and the self-employed. | 左侧是雇员和自营职业者 |
| 82 | And on the right, the business owner and the investor. | 而右侧则是企业主和投资人. |
| 83 | Each quadrant is like a different country. | 每个象限就像一个不同的国家。 |
| 84 | They have their own language, culture, and values. | 他们有自己的语言、文化和价值观。 |
| 85 | People in each one are motivated by completely different things. | 每个人的动机都完全不同 |
| 86 | Let me show you what I mean. | 让我告诉你我的意思。 |
| 87 | Employee. | 雇员 |
| 88 | Picture a software engineer at Google or a marketing manager. | 想象谷歌的软件工程师或营销经理. |
| 89 | High skill, respected career. | 高技能 受人尊敬的事业 |
| 90 | The employee trades time for a paycheck. | 雇员花时间拿工资 |
| 91 | And what they value most is security. | 他们最珍视的是安全 |
| 92 | A steady salary, benefits, a predictable life. | 稳定的工资,福利,可预测的生活. |
| 93 | Listen to an employee for five minutes and you'll hear it. | 听一个员工的五分钟,你会听到的。 |
| 94 | They say things like, | 他们说, |
| 95 | I'm looking for a safe job with good pay and great benefits. | 我在找一份安全的工作 报酬高,好处大 |
| 96 | Or I just want something stable. | 或者我想要稳定的东西。 |
| 97 | If you've ever said those words out loud or in your head, you're in this quadrant. | 如果你有说过那些话 大声地说或者在脑子里说 你就在这四角 |
| 98 | And look, being an employee is not a bad thing. | 听着,当员工不是坏事 |
| 99 | It's honest work. | 这是诚实的工作。 |
| 100 | Many E's are brilliant, hardworking people. | 许多E's是聪明,勤奋的人。 |
| 101 | I was an employee for years. | 我当了几年员工 |
| 102 | So I'm not looking down on this quadrant. | 所以我不会看不起这个象限 |
| 103 | I know what it feels like. | 我知道这感觉 |
| 104 | But the problem is your entire income depends on one source. | 但问题是,你的整个收入取决于一个来源。 |
| 105 | One job, one employer, one decision made by someone else. | 一份工作,一份雇主,一份由他人作出的决定. |
| 106 | If that disappears, your income disappears with it. | 如果它消失了,你的收入就会随之消失。 |
| 107 | Now, let's talk about the hard part. | 现在,让我们谈谈困难的部分。 |
| 108 | Taxes. | 税. |
| 109 | An employee in most Western countries pays somewhere between 35% and 50% | 大部分西方国家的雇员支付35%至50%的工资。 |
| 110 | of their income and taxes once you add income tax, social security, | 收入和税收,一旦你增加了所得税,社会保障, |
| 111 | and healthcare. | 和医疗。 |
| 112 | And the cruel part is the government has already taken its cut | 残酷的一面是,政府已经拿走了 |
| 113 | before the employee gets to spend a dollar. | 在员工花一美元之前 |
| 114 | The employee earns, gets taxed, spends what's left. | 雇员挣钱,纳税,花掉剩下的钱. |
| 115 | Let's move to the second quadrant. | 迁第二象. |
| 116 | Self-employed. | 自业. |
| 117 | A lot of people realize the employee problem, so they make a move. | 很多人意识到员工的问题,于是他们采取行动. |
| 118 | They leave the job, go self-employed, become their own boss. | 他们离开工作,去自谋职业,成为自己的老板. |
| 119 | And on paper, it sounds like freedom. | 在纸上,它听起来像自由。 |
| 120 | No more boss, no more being told what to do. | 没有老板了,没有别人说要做什么。 |
| 121 | They don't realize they just walked from one trap into a bigger one. | 他们不知道他们只是从一个陷阱走进一个更大的陷阱。 |
| 122 | Because as an employee, they had one job. | 因为作为一个雇员,他们有一个工作。 |
| 123 | Now they have 10 different jobs they have no idea how to do. | 现在他们有10种不同的工作 他们不知道该怎么做。 |
| 124 | Invoicing, marketing, selling, accounting, and operations. | 发票、营销、销售、会计和业务。 |
| 125 | Picture the average freelancer, the doctor with their own practice, | 想象一下普通的自由职业者, 医生和他们自己的练习, |
| 126 | the shop owner, the consultant. | 店主 顾问 |
| 127 | Working harder than ever. | 工作比以前更努力 更努力地工作 |
| 128 | Earning well, maybe, but exhausted. | 赚的好,也许,但累坏了。 |
| 129 | Because everything still depends on them. | 因为一切都取决于他们 |
| 130 | This is Ed, the bucket man of our first story. | 这是埃德,我们的第一个故事的桶人。 |
| 131 | Listen to a self-employed person and you'll hear the common line. | 听自业者,则闻俗行. |
| 132 | If you want it done right, do it yourself. | 如果你想做对的话 你自己做 |
| 133 | Or, nobody else does it better than me. | 或者,没有人比我做得更好。 |
| 134 | Or, I can't find good people. | 或者,我找不到好人。 |
| 135 | The moment you truly believe nobody does it better than you, | 当你真正相信 没有人比你做得更好的时候 |
| 136 | you can never step away. | 你永远离不开 |
| 137 | You can never scale. | 你永远不能缩小。 |
| 138 | You become the business. | 你成为企业。 |
| 139 | And the business can never grow bigger than you. | 生意不会比你大 |
| 140 | The dentist who goes on vacation also sends his income on vacation. | 去度假的牙医也会在度假时寄出收入. |
| 141 | Self-employed people often work way more hours than employees | 自营职业者工作时间往往比雇员多 |
| 142 | and pay roughly the same in taxes. | 并缴纳大致相同的税收。 |
| 143 | Depending on your country, 30 to 50% when you add it all up. | 根据你的国家,30%到50% 当你加起来。 |
| 144 | Similar to employees, when a self-employed person stops, | 与雇员类似,当自营职业者停止工作时, |
| 145 | showing up, the money stops too. | 出现,钱也停止。 |
| 146 | Business owner. | 业主. |
| 147 | Picture Elon Musk, Jeff Bezos. | 图片 伊隆·穆斯克,杰夫·贝佐斯. |
| 148 | The guy who owns 12 car washes in your city. | 你城里有12个洗车店的人 |
| 149 | They are the business owners. | 他们是企业主。 |
| 150 | The business owner doesn't own a job, they own a system. | 企业主不拥有工作,他们拥有一个系统. |
| 151 | And that system has people running it for them. | 这个系统让人们为他们运行。 |
| 152 | A true business owner can leave their business for a year, | 一个真正的企业主可以离开他们的企业一年, |
| 153 | come back and find it more profitable than when they left. | 回来发现比他们离开时更赚钱 |
| 154 | They don't do the work themselves. | 他们不做工作自己。 |
| 155 | They build the machine that does the work. | 他们造了机器来工作。 |
| 156 | Listen to a real business owner and you'll hear a completely different kind of language. | 听一个真正的企业主 你会听到一种完全不同的语言。 |
| 157 | Yeah, I'm looking for a president to run my company. | 是啊,我在找一个总裁来经营我的公司。 |
| 158 | Or we need to build a better supply chain for that. | 或者我们需要为此建立一个更好的供应链。 |
| 159 | Or who can I hire to handle this? | 或者我雇谁来处理? |
| 160 | Notice how none of those sentences have the word I doing the work. | 注意,这些句子怎么没有一个 有字我做的工作。 |
| 161 | That's the shift. | 换班了 |
| 162 | That's the whole game. | 这就是整个游戏。 |
| 163 | So ask yourself one question. | 问自己一个问题 |
| 164 | If I stopped working tomorrow, will my income stop too? | 如果我明天停止工作 我的收入也会停止吗? |
| 165 | If yes, you're still in the S quadrant, no matter what your business card says. | 如果有,你仍然在S区 不管你的名片怎么说 |
| 166 | A real business runs without you. | 真正的生意没有你。 |
| 167 | In our first story, this is Bill, who built the pipeline. | 在我们的第一个故事中,这是比尔, 他建造了管道。 |
| 168 | The business owner also has a secret weapon. | 企业主也拥有秘密武器. |
| 169 | Something called OPT, other people's time. | 有东西叫占领区,其他人的时间。 |
| 170 | You and I have 24 hours in a day. | 我们一天有24小时 |
| 171 | A business owner with 20 employees has 20 times of that. | 拥有20名员工的企业主拥有20倍的员工. |
| 172 | That's how the right side scales past what any one person can do alone. | 这就是正确的侧面如何衡量 任何人单独能做的。 |
| 173 | And the taxes are even more interesting. | 税收更有趣 |
| 174 | A business owner can legally pay 15% to 25%, sometimes less. | 企业所有者可以合法地支付15%到25%,有时甚至更少。 |
| 175 | Not because they're cheating, because the tax code is written for them. | 不是因为他们在作弊 因为税法是为他们写的 |
| 176 | The secret is that businesses don't pay tax on what they earn. | 秘诀是企业不为所得纳税. |
| 177 | They pay tax on what's left after expenses. | 开完课费就交税了 |
| 178 | Earn, spend, pay tax. | 收入,支出,纳税. |
| 179 | Compare that to the employee. | 跟员工比起来 |
| 180 | Earn, pay tax, spend. | 收入 纳税 支出 |
| 181 | Same country, same laws, completely different order. | 同样的国家,同样的法律,完全不同的秩序. |
| 182 | Investor. | 投资者。 |
| 183 | Now picture Warren Buffett. | 现在想象一下沃伦·巴菲特 |
| 184 | We're a real estate investor who owns 50 rental properties. | 我们是房地产投资人,拥有50处出租房产. |
| 185 | The investor makes money with money. | 投资人用钱赚钱. |
| 186 | Everyone else earns through effort or systems. | 其他人通过努力或系统赚取收入。 |
| 187 | Investors earn through ownership. | 投资者通过所有权赚取收入。 |
| 188 | Listen to a real investor and you'll hear something that sounds almost like another language. | 听一个真正的投资者 你会听到一些声音 几乎像另一种语言。 |
| 189 | What's my cash flow on that? | 我的现金流量是多少? |
| 190 | Or what's the ROI? | 还是什么是ROI? |
| 191 | Or is that income or capital gains? | 还是收入或资本收益? |
| 192 | The investors have their own secret weapon. | 投资者有自己的秘密武器。 |
| 193 | OPM. | 总理办公厅. |
| 194 | Other people's money. | 别人的钱 |
| 195 | They use the bank's money, other people's savings, to buy assets that generate returns. | 他们利用银行的钱,其他人的储蓄,来购买产生回报的资产. |
| 196 | They profit from money they never earned. | 他们从从未赚过的钱中获利。 |
| 197 | Now let me show you how absurd this gets with taxes. | 现在让我告诉你 税收是多么荒谬。 |
| 198 | Because a real investor can pay 0% in taxes. | 因为真正的投资者可以交百分之零的税. |
| 199 | Let me walk you through how. | 让我告诉你怎么做。 |
| 200 | Say Warren Buffett decides to buy a big company. | 说沃伦·巴菲特决定收购一家大公司. |
| 201 | Does he write a check from his own bank account? | 他有从自己的银行账户里写支票吗? |
| 202 | No. | 没有 |
| 203 | He goes to a bank, borrows the money, buys the company with the bank's cash. | 他去一家银行,借钱,用银行的现金买下公司. |
| 204 | Now pay close attention to what just happened. | 现在密切关注刚才发生的事情。 |
| 205 | Borrowed money is not income. | 借款不是收入。 |
| 206 | So it's not taxable. | 故不征税. |
| 207 | The interest he pays on that loan is tax deductible so it actually reduces his taxable income. | 他所付的贷款利息可以抵扣税款,从而实际上减少了他的应纳税收入。 |
| 208 | The company he just bought produces profits but those profits get reinvested, | 他刚买到的公司 生产利润,但这些利润得到再投资, |
| 209 | used to buy more assets. | 用来购买更多的资产。 |
| 210 | By the time anyone calculates taxable income, there's almost nothing left to tax. | 到有人计算应纳税所得额时,几乎一无所有可征税. |
| 211 | Meanwhile, the company grows. | 同时,公司也逐渐壮大. |
| 212 | His ownership stake grows. | 他拥有权的利害关系越来越大。 |
| 213 | He's getting richer every single year without ever triggering a single tax bill. | 他每年都越来越有钱, 从来没有触发过单一的税单。 |
| 214 | And when he needs cash to live on, he doesn't sell his stock. | 而当他需要现金生活时,他不卖他的股票. |
| 215 | Selling would mean paying capital gains tax. | 出售意味着缴纳资本收益税。 |
| 216 | Instead, he borrows against his assets. | 相反,他用资产借款。 |
| 217 | More debt. | 更多的债务。 |
| 218 | Which is not income and because of that it's not taxable. | 这不是收入,因此它不征税。 |
| 219 | They earn, then spend on acquiring income generating assets. | 他们赚取收入,然后花钱获取创收资产。 |
| 220 | Then borrow to live their lifestyle. | 然后借钱过自己的生活 |
| 221 | Pay almost no taxes. | 几乎不交税。 |
| 222 | Let that sink in. | 让它沉进去。 |
| 223 | An employee working 60 hours a week as a surgeon pays 45% in taxes. | 每周工作60小时的外科医生付45%的税款。 |
| 224 | An investor who never goes to an office can legally pay close to zero. | 从未上过办公室的投资者可以依法支付接近零的薪酬. |
| 225 | Same country. | 同一国. |
| 226 | Same laws. | 同一诸法. |
| 227 | Completely different game. | 完全不同的游戏。 |
| 228 | The tax code isn't broken. | 税法未破. |
| 229 | It's doing exactly what it was designed to do. | 它正在做它设计要做的事。 |
| 230 | Because governments need people to take risks. | 因为政府需要人来承担风险. |
| 231 | Start businesses. | 创业. |
| 232 | Hire workers. | 雇用工人。 |
| 233 | Invest capital. | 投资资本。 |
| 234 | An employee doesn't take those risks. | 员工不会冒险的 |
| 235 | So the government rewards the people who take the risks with lower taxes and incentives. | 因此,政府以较低的税收和奖励奖励那些冒险的人. |
| 236 | Remember our first bucket versus pipeline story? | 还记得我们的第一个水桶和管道的故事吗? |
| 237 | If Bill was the businessman, someone who gave him money to hire construction workers and buy pipes | 如果比尔是商人,有人给了他钱 雇用建筑工人和购买管道 |
| 238 | is the investor in his business. | 是投资人 在他的业务。 |
| 239 | So now you know the map. | 现在你知道地图了 |
| 240 | You know which side you want to be on. | 你知道你想站在哪一边 |
| 241 | Knowing where to go isn't the same as getting there. | 知何去何从与到. |
| 242 | Because moving from the left side to the right is not a small change. | 因为从左侧向右移动并不是一个小变化. |
| 243 | It's a full rewiring of your habits, your beliefs, your language, | 这是你习惯、信仰、语言的全过程 |
| 244 | and your identity. | 还有你的身份 |
| 245 | It's one of the hardest things you will ever do in your life. | 这是你一生中最难做的事之一 |
| 246 | So to make it easier, let me share seven strategies that I wish someone had given to me | 因此,为了方便起见,让我分享七种战略,我希望有人给我 |
| 247 | ten years ago. | 10年前,我们做了很多事 |
| 248 | Number one. | 一号 |
| 249 | Stop buying liabilities. | 停止购买负债。 |
| 250 | Your house is your bank's investment, not yours. | 你的房子是你的银行投资,不是你的 |
| 251 | Open two balance sheets side by side, yours and your bank's. | 一起打开两张资产负债表 你和银行的 |
| 252 | Your mortgage sits in your liability column. | 你的抵押贷款在责任栏上 |
| 253 | The exact same mortgage sits in your bank's asset column. | 同样的抵押贷款就放在你银行的资产栏上 |
| 254 | You're the employee. | 你是那个员工 |
| 255 | They're the owner. | 他们是主人。 |
| 256 | And this isn't just about your mortgage. | 这不仅仅是你的抵押贷款 |
| 257 | This is the game of capitalism. | 这是资本主义的游戏。 |
| 258 | Who is indebted to whom? | 谁欠谁? |
| 259 | The more people indebted to you, the wealthier you are. | 欠你的人越多 你就越有钱 |
| 260 | The more people you are indebted to, the poorer you are. | 你欠的人越多 你就越穷 |
| 261 | Every mortgage, every car loan, every credit card balance. | 每一次抵押,每一次汽车贷款,每一次信用卡余额. |
| 262 | Every one of them makes you someone's employee. | 每一个都会让你成为员工 |
| 263 | So how do you flip it? | 你怎么翻转的? |
| 264 | How do you stop being the employee and start being the owner? | 你怎么不再当员工 开始当老板? |
| 265 | You stop buying things that take money from you and start buying things that pay you. | 你别再买那些从你身上拿走钱的东西 开始买那些付你钱的东西 |
| 266 | The first kind is a liability. | 第一种是负债。 |
| 267 | The second is an asset. | 第二是资产。 |
| 268 | That's the entire game. | 这就是整个游戏。 |
| 269 | So simple that most people refuse to believe it. | 如此简单以至于大多数人拒绝相信. |
| 270 | I know that some of you are thinking, I don't have money for a rental property. | 我知道你们有些人在想 我没有钱租房 |
| 271 | Good, you don't need one. | 很好,你不需要一个。 |
| 272 | A YouTube video that earns you $50 a month, that's an asset. | 一个YouTube的视频,每个月能赚50美元, 这是一种资产。 |
| 273 | A book, an online course, a dividend stock, a small share in someone else's business. | 一本书 在线课程 股息股票 在别人的生意中占有很小的份额. |
| 274 | Real estate is one asset. | 房地产是一种资产。 |
| 275 | It's not the only one. | 亦非独有. |
| 276 | And it's definitely not the one you should start with. | 这绝对不是你应该开始的 |
| 277 | So look at every monthly payment leaving your account right now. | 看看每个月的付款 离开你的账户现在。 |
| 278 | Every single one is a piece of you being rented out to make someone else rich. | 每一个都是你的一部分被租出去 让别人发财。 |
| 279 | Your job now is to flip the equation. | 你现在的工作是翻转方程式 |
| 280 | Spend your money on something that pays you over time, | 花你的钱 用来支付你的时间, |
| 281 | not on something that takes more money from your pocket. | 而不是从你口袋里拿走更多钱的东西 |
| 282 | That's how you move from the left side to the right side of the quadrant. | 由此从左侧向四方右侧移动. |
| 283 | Number two, find a mentor. | 第二,找一个导师 |
| 284 | A mentor is someone sitting at the top of the mountain eating oranges, | 一个导师是坐在山顶上吃橘子的人 |
| 285 | while you're still at the bottom scratching your head, | 当你仍然在底部 挠你的头, |
| 286 | trying to figure out how to get up there. | 试着想办法上去 |
| 287 | If you decided tomorrow you wanted to climb Mount Everest, what would you do first? | 如果你明天决定登上珠穆朗玛峰 你会先做什么? |
| 288 | You'd find someone who has already climbed it, | 你会找到已经爬上去的人 |
| 289 | someone who knows which routes are dangerous, | 谁知道哪些路线是危险的, |
| 290 | which weather patterns kill people, | 什么样的天气模式杀人, |
| 291 | which mistakes the inexperienced always make. | 总是会犯错误 |
| 292 | You would never say, I'll just figure it out on the way up. | 你绝对不会说,我会在上路时想出办法的 |
| 293 | But when it comes to money, business, starting a YouTube channel, | 但当涉及到钱,生意, 启动一个YouTube频道, |
| 294 | that is exactly what most of us do. | 这正是我们大多数人所做的。 |
| 295 | I know it because I did it. | 我知道,因为我做的。 |
| 296 | I wasted almost three years trying to be successful on YouTube. | 为了在YouTube上获得成功 我花了将近三年时间 |
| 297 | I made every dumb mistake you can imagine. | 我犯了你所能想象的每一个愚蠢的错误 |
| 298 | Mistakes I could have easily avoided if I had just put my ego aside and asked for help. | 如果把自我抛在一边,请求帮助,我很容易避免错误。 |
| 299 | Olympic athletes are the best in the world at what they do. | 奥运运动员的成绩堪称世界最佳. |
| 300 | And still, every single one of them has a coach. | 尽管如此,他们每个人都有一个教练。 |
| 301 | Think about that. | 考虑一下 |
| 302 | The people who are already the best have coaches. | 已经是最好的人有教练。 |
| 303 | The people who've never started a business think they can figure it out alone. | 从未创业的人认为自己能单独解决. |
| 304 | That's the whole problem. | 这就是问题所在 |
| 305 | This is why these days I have no problem paying $1,000 for one hour of consultation. | 正因为如此,这些天我为一小时的咨询支付1 000美元没有问题。 |
| 306 | I'm buying back years of my life. | 我买回我的岁月。 |
| 307 | I'm buying every mistake they already paid for. | 我接受他们已经付出的每一个错误 |
| 308 | I'm buying the shortcut. | 我要买捷径 |
| 309 | So stop trying to climb the mountain alone. | 故别独登山. |
| 310 | Find someone who's already at the top. | 找一个已经登顶的人 |
| 311 | Pay them. | 付他们钱。 |
| 312 | Learn from them. | 向他们学习。 |
| 313 | And if your mountain is building a YouTube channel, | 如果你的山正在建立一个YouTube频道 |
| 314 | you can reach out to me for consultation. | 你可以来找我商量 |
| 315 | I've already paid for those mistakes. | 我已经为这些错误付出了代价。 |
| 316 | Link is in the description. | 链接在描述中. |
| 317 | Okay, now that my shameless self-promotion is over, let's get to the next one. | 好吧,现在,我无耻的自我促进已经结束了, 让我们开始下一个。 |
| 318 | Number three, escape the lifestyle trap. | 第三,逃离生活方式陷阱。 |
| 319 | Before you can build anything, you need to stop digging the hole deeper. | 在你能建造任何东西之前,你需要停止挖洞更深. |
| 320 | There's a trap most people never see because they're living inside it. | 大多数人都看不到这个陷阱 因为他们住在里面 |
| 321 | It goes like this. | 它是这样的。 |
| 322 | You go to school, get a job, start earning. | 你上学,找工作,赚钱 |
| 323 | Suddenly you can afford things you couldn't before. | 突然间你可以买得起以前买不到的东西 |
| 324 | An apartment, a car. | 一个公寓,一辆车。 |
| 325 | Then you meet someone, fall in love, get married. | 然后遇见一个人,坠入爱河,结婚 |
| 326 | You take a mortgage and buy a house. | 你拿房贷买房子 |
| 327 | Then the first child arrives. | 然后第一个孩子就到了 |
| 328 | And now you absolutely cannot afford to lose your job. | 现在你绝对不能丢掉工作 |
| 329 | So you work harder, get promoted, get a raise. | 所以你更努力工作,升职,加薪。 |
| 330 | And one day it hits you. | 有一天,它击中你。 |
| 331 | The more successful you become, the more trapped you are. | 你越成功 就越被困住 |
| 332 | Every raise brings higher taxes. | 每次涨税都带来更高的税收. |
| 333 | Every promotion brings less time. | 每次升职都会减少时间 |
| 334 | Every upgrade to your lifestyle brings more bills. | 你生活方式的每一次升级都会带来更多的账单. |
| 335 | The trap gets tighter the more successful you become. | 陷阱越紧越成功 |
| 336 | And the scariest part is this feels completely normal | 最可怕的是 这感觉完全正常 |
| 337 | because everyone around you is doing the exact same thing. | 因为你们身边的每个人都在做同样的事情 |
| 338 | So the next time you get a raise, before you upgrade anything, | 所以下次你加薪的时候 在升级之前 |
| 339 | ask yourself one question. | 问自己一个问题。 |
| 340 | Am I making my life better or am I making my cage bigger? | 我是在改善我的生活 还是在扩大我的笼子? |
| 341 | Because every dollar you spend to a bigger lifestyle | 因为每一块钱都花在更大的生活方式上 |
| 342 | is a dollar that can't go toward your freedom. | 这是一块钱,不能去你的自由。 |
| 343 | Number four, win the emotional battle. | 第四,赢得情感斗争. |
| 344 | Money is a drug. | 钱是药. |
| 345 | When you receive money in a certain way, | 当你以某种方式收到钱时, |
| 346 | as a salary, as a freelance payment, you get wired to that way. | 作为薪水,作为自由职业者, 你被电线到这种方式。 |
| 347 | Your nervous system gets addicted to it. | 你的神经系统上瘾了 |
| 348 | And when you try to change, | 当你试图改变, |
| 349 | the part of you addicted to the old way fights back hard. | 你上瘾的部分 旧的方式 努力反击。 |
| 350 | It feels like cutting off oxygen. | 感觉像是切断氧气 |
| 351 | This is why changing quadrants is so emotionally difficult, | 这就是为什么改变四重奏在情感上很困难 |
| 352 | even for people who completely understand it intellectually. | 即使是在智力上完全理解它的人 |
| 353 | The rational brain knows exactly what to do. | 理性的大脑知道该怎么做 |
| 354 | The emotional brain won't let you do it. | 情感大脑不会让你这么做的 |
| 355 | In moments of high emotion, | 在情绪高涨的时刻 |
| 356 | the emotional brain is 24 times more powerful than the rational brain. | 情感大脑的力量是理性大脑的24倍. |
| 357 | That's why they say financial IQ is 90% emotional IQ. | 所以说财务智商是90%的情感智商. |
| 358 | So here's what to do. | 因此,这里是怎么做的。 |
| 359 | Next time you feel that resistance, don't fight it. | 下次你觉得有反抗的时候 不要反抗 |
| 360 | Just notice it and keep moving anyway. | 注意,继续走 |
| 361 | The discomfort isn't a bad sign. | 烦恼亦不坏报. |
| 362 | It means you're changing. | 这意味着你正在改变。 |
| 363 | So when it shows up, don't run from it. | 所以当它出现时,不要逃避它. |
| 364 | Name it. | 说吧 |
| 365 | This is just the old me fighting back. | 这只是老我反击。 |
| 366 | Then keep going. | 那就继续 |
| 367 | Number five, build systems, not products. | 第五,构建系统,而不是产品. |
| 368 | Let me ask you something. | 让我问你一件事。 |
| 369 | Can you make a better hamburger than McDonald's? | 你可以做一个更好的汉堡 比麦当劳? |
| 370 | Fresh ingredients, quality beef, good bread? | 新鲜的原料,优质牛肉,好面包? |
| 371 | Almost everyone says yes. | 几乎所有人都答应了 |
| 372 | Now, can you build a better business system than McDonald's? | 现在,你能建立一个比麦当劳更好的商业系统吗? |
| 373 | That's where most people go silent. | 即是广大众生寂静处. |
| 374 | This is the trap that kills most entrepreneurs before they even start. | 这个陷阱在大多数企业家开始前就杀死了他们. |
| 375 | They fall in love with their product, spend years perfecting it, | 他们爱上了自己的产品 花了几年时间来完善它 |
| 376 | and then wonder why they're not growing. | 然后想知道为什么它们没有增长。 |
| 377 | Wealth is not built in products. | 财富不是建立在产品上。 |
| 378 | Wealth is built in systems. | 财富是建立在系统中的。 |
| 379 | Next time you go to McDonald's, don't look at the burger. | 下次去麦当劳的时候 别看汉堡 |
| 380 | Look at the trucks delivering the ingredients. | 看看那些运送原料的卡车 |
| 381 | The training manual that teaches every new employee | 教每个新雇员的培训手册 |
| 382 | to say the same words in every country. | 在每一个国家都说同样的话。 |
| 383 | That is the business. | 这就是生意。 |
| 384 | The burger is just the excuse to build it. | 汉堡只是建造它的理由 |
| 385 | So whatever you're building, ask yourself, | 不管你在建什么 问问你自己 |
| 386 | am I building a product or am I building a system? | 我是在造产品还是在造系统? |
| 387 | Fall in love with the machine that makes the burger, | 爱上做汉堡的机器 |
| 388 | not just the burger itself. | 不只是汉堡本身。 |
| 389 | If it can't run without you, you don't have a business. | 如果它不能运行 没有你,你没有生意。 |
| 390 | You have a job. | 你有一个工作。 |
| 391 | Number six, become a level four investor. | 第六,成为第四级投资者. |
| 392 | People always ask, is real estate a good investment? | 人们总是问房地产投资不错吗? |
| 393 | Are stocks good? | 股票好吗? |
| 394 | Is gold good? | 金子好吗? |
| 395 | And the answer is always the same. | 而答无常. |
| 396 | I don't know. | 师曰. |
| 397 | Are you a good investor? | 你是好投资者吗? |
| 398 | Because the asset class is almost irrelevant. | 因为资产类别几乎无关紧要. |
| 399 | A skilled investor makes money in real estate, stocks, commodities, businesses. | 熟练投资者在房地产,股票,商品,企业中赚钱. |
| 400 | An unskilled investor loses money in all of them. | 无技能投资者在所有这些投资中都会失去资金。 |
| 401 | The investment doesn't determine the outcome. | 投资不能决定结果. |
| 402 | The investor does. | 投资人会的 |
| 403 | There are five levels of investors. | 投资者分为五级. |
| 404 | See if you can recognize yourself. | 看能不能认得自己 |
| 405 | The first three levels are where most people live. | 前三层是多数人居住的地方. |
| 406 | Level one spends more than they earn. | 一级花费比他们赚的多。 |
| 407 | Level two only saves and loses to inflation every year without realizing. | 二级每年只因通货膨胀而节省和损失,而没有意识到。 |
| 408 | Level three hands their money to an expert, hopes for the best, | 三层把钱交给专家 希望最好 |
| 409 | and blames the expert when it goes wrong. | 并责怪专家 当它错了。 |
| 410 | The real investor starts at level four, the professional. | 真正的投资人从四级开始,即专业. |
| 411 | The professional takes control, educates themselves, | 专业人士控制自己,教育自己, |
| 412 | manages their own money, makes mistakes, learns from them, gets smarter. | 管理自己的钱,犯错,学习,变聪明。 |
| 413 | Level five, the capitalist. | 第五级 资本家. |
| 414 | Uses other people's money to build assets, has teams, thinks bigger, | 利用别人的钱建立资产, 有团队,认为更大的, |
| 415 | creates value rather than just captures it. | 创造价值,而不是仅仅抓住它。 |
| 416 | Most so-called investors are on level three, | 大多数所谓的投资者 处于三级, |
| 417 | and then they want to become capitalist. | 然后他们想成为资本家。 |
| 418 | Anyone who jumps from level three to level five is gambling, not investing. | 凡从三级跳到五级的都是赌博,而不是投资. |
| 419 | Because if you haven't learned to manage your own money yet, | 因为如果你还没有学会管理自己的钱 |
| 420 | what do you think happens when you start playing with someone else's? | 你开始跟别人玩的时候会怎么样? |
| 421 | You don't just lose your money, you lose theirs too. | 你不只是失去你的钱, 你失去了他们的钱。 |
| 422 | So get to level four. | 故入第四层. |
| 423 | Start making your mistakes right now with your own money, small mistakes, | 现在用自己的钱 和小错误 开始犯错 |
| 424 | painful enough to learn from, small enough that they don't destroy you. | 足够痛苦的学习, 足够小,他们不会摧毁你。 |
| 425 | Because the investor you become at level four | 因为投资人你变成第四层 |
| 426 | is the only reason you'll ever survive at level five. | 这是你五级生存的唯一原因 |
| 427 | Number seven, when you actually build well. | 第七,当你真正建设良好。 |
| 428 | The only difference between a rich person and a poor person | 富人和穷人的唯一区别 |
| 429 | is what they do in their spare time, not their salary or education. | 他们是在业余时间做的事情,而不是工资或教育。 |
| 430 | Their spare time. | 他们的空闲时间。 |
| 431 | I know what some of you are thinking right now. | 我知道你们现在在想什么 |
| 432 | I have a nine to five. | 我有一个9到5。 |
| 433 | When exactly am I supposed to do anything extra? | 我什么时候该做点什么? |
| 434 | Most people think the only way to build wealth is to quit their job, | 大多数人认为 创造财富的唯一办法 就是辞职 |
| 435 | take a massive risk, and bet their family's future on an idea. | 冒着巨大的风险, 并打赌他们家庭的未来 一个想法。 |
| 436 | That's not true. | 这不是真的。 |
| 437 | Think about it. | 考虑一下 |
| 438 | Two people work the same nine to five, same office, same paycheck, same 40 hours a week. | 两人每周工作40小时,工作时间相同,9-5小时,办公室相同,薪水相同. |
| 439 | But what happens in the 14 hours a day? | 但每天14小时会怎么样? |
| 440 | They're not at work. | 他们不在工作 |
| 441 | That's where the lives split. | 这就是生活分裂的地方。 |
| 442 | One of them comes home, opens a beer, scrolls on their phone, and goes to bed. | 其中一人回家,打开啤酒,在电话上滚动,然后上床睡觉. |
| 443 | The other comes home, watches a YouTube video on real estate, | 另一个回家,看一个YouTube视频 关于房地产, |
| 444 | sends three emails about a side business they're building, and reads for 20 minutes before bed. | 发了三封邮件 是关于他们正在建造的副业的 在睡觉前读了20分钟 |
| 445 | Fast forward five years, same job, same paycheck, completely different lives. | 快速前进五年,工作相同,薪水相同,生活完全不同. |
| 446 | Your boss's job is not to make you rich. | 你老板的工作不是让你发财 |
| 447 | Your boss's job is to make sure you get your paycheck. | 你老板的工作就是确保你拿到薪水 |
| 448 | Your job is to make yourself rich. | 你的工作就是让自己发财 |
| 449 | When you're at work, work hard. | 工时勤修. |
| 450 | Give them everything. | 给他们一切。 |
| 451 | That's the deal you signed. | 这就是你签的协议。 |
| 452 | But your future doesn't get built at work. | 但你的未来不会在工作上建立起来 |
| 453 | It gets built in the hours around work, before the work, after the work, | 在工作前,工作后,工作前,工作前,工作后, |
| 454 | on the weekends when everyone else is wasting time. | 当其他人在浪费时间的时候 |
| 455 | If you work hard on the left side, you work hard forever. | 左手勤劳则终身勤劳. |
| 456 | If you work hard on the right side, in those small pockets of time around your job, | 如果你在右边努力工作 在你工作的那些小片时间里 |
| 457 | you have a chance of never needing that job again. | 你有机会再也不需要这份工作了 |
| 458 | So stop thinking of your day as work and rest. | 别再把一天想成工作 休息 |
| 459 | Start thinking of it as three parts. | 始以为三部分. |
| 460 | The hours that pay the bills, the hours that build the future, | 支付账单的时间, 建设未来的时间, |
| 461 | and the hours that recover you for both. | 以及恢复你的时间 |
| 462 | If you don't have the second category, you're not building anything. | 若无二类则无造物. |
| 463 | That's it for this video. | 仅此视频. |
| 464 | If you want to see more book summaries like this one, | 如果你想看到更多的书摘要 像这个, |
| 465 | I will put two videos on the screen for you. | 我会为你放两段录像 |
| 466 | Increasing your financial IQ and Rich Dad Poor Dad. | 提高你的经济智商 和富有的爸爸 可怜的爸爸。 |
| 467 | Thanks for watching. | 谢谢你的观看。 |
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