一夜暴富是好事吗？
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:06 | We can avoid talking about politics. | 我们可以避免谈论政治。 |
| 0:10 | We can steer clear of that religion conversation. | 我们可以避开宗教对话。 |
| 0:13 | But we're avoiding the topic of money because it's stressful. | 但我们在回避钱的话题,因为它的压力很大. |
| 0:18 | Here's the difference. | 如下分别. |
| 0:20 | Avoid talking about politics and religion. | 避免谈论政治和宗教。 |
| 0:22 | That doesn't cost you anything. | 这不花你任何东西。 |
| 0:24 | Avoid talking about money. | 别谈钱 |
| 0:26 | That can cost you a lot. | 这会花你很多钱。 |
| 0:28 | 2009年,"体育偶像"(Sports Illustrated)报道了78%的NFL退休人员. | |
| 0:35 | were getting there financially stressed and they were bankrupt within two years. | 财政压力很大 两年内就破产了 |
展开字幕全文（241 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | We can avoid talking about politics. | 我们可以避免谈论政治。 |
| 2 | We can steer clear of that religion conversation. | 我们可以避开宗教对话。 |
| 3 | But we're avoiding the topic of money because it's stressful. | 但我们在回避钱的话题,因为它的压力很大. |
| 4 | Here's the difference. | 如下分别. |
| 5 | Avoid talking about politics and religion. | 避免谈论政治和宗教。 |
| 6 | That doesn't cost you anything. | 这不花你任何东西。 |
| 7 | Avoid talking about money. | 别谈钱 |
| 8 | That can cost you a lot. | 这会花你很多钱。 |
| 9 | 2009年,"体育偶像"(Sports Illustrated)报道了78%的NFL退休人员. | |
| 10 | were getting there financially stressed and they were bankrupt within two years. | 财政压力很大 两年内就破产了 |
| 11 | That story probably sounds a lot like the one you've heard about lottery winners | 那个故事听起来可能很像 你听过的彩票赢家的故事 |
| 12 | that tend to blow through their money and go broke. | 这往往吹 他们的钱和破产。 |
| 13 | But you see, today isn't about lottery winners and it's not about professional athletes. | 但你看,今天不是彩票赢家 而是职业运动员 |
| 14 | It's what happens to all of us when money shows up and we're not ready for it. | 当金钱出现,我们还没准备好的时候,我们都会这样 |
| 15 | In fact, psychologists have even decided to coin a phrase for this called sudden wealth syndrome. | 事实上,心理学家甚至决定为这个叫做"突然财富综合征"的词组创作一个短语. |
| 16 | I've been a financial advisor for three decades. | 我做财务顾问三十年了 |
| 17 | Sudden wealth isn't the problem. | 突然的财富不是问题 |
| 18 | The problem is when it comes quickly and we weren't ready. | 问题是,当它来得很快,我们还没有准备好。 |
| 19 | So what I want to do today is I want to take you through what I'm seeing. | 所以我今天想做的是 把你带过眼界 |
| 20 | I want to talk to you about why I think it's happening and then don't worry, | 我想和你谈谈为什么我想它发生 然后不用担心, |
| 21 | I'm going to give you the what to do about it so you can avoid sudden wealth syndrome yourself. | 我会给你一些办法,这样你就可以自己避免突然的财富综合症. |
| 22 | You see, money is this thing that could either free you or can trap you. | 你看,钱是这种东西 要么可以释放你 要么可以困住你。 |
| 23 | And as a university educator, my job is super simple. | 作为一名大学教育家 我的工作非常简单 |
| 24 | Students come into my class. | 学生们来我的班级。 |
| 25 | By the end of the semester, I need to do two things. | 学期结束时,我需要做两件事。 |
| 26 | First, I have to give them a foundation of personal finance. | 首先,我必须给他们个人资金的基础。 |
| 27 | Second, I need to make sure that they think money is something that can build them, | 第二,我需要确保 他们认为钱是能够建造他们的东西, |
| 28 | that it doesn't need to break them. | 它不需要打破它们。 |
| 29 | Look, I didn't grow up with a heck of a lot of money. | 你看,我长大时没有 一大堆钱。 |
| 30 | Like you, I probably never had a personal finance class in high school or in college. | 跟你一样,我可能从未在高中或大学上过个人财务课. |
| 31 | And you might say that I got a little lucky because I did. | 你可能会说,我有一点幸运 因为我做到了。 |
| 32 | I had a grandfather that made me follow stocks in the newspaper. | 我有一个祖父让我跟随报纸的股票。 |
| 33 | I got a four year soccer scholarship, so I didn't need to take out loans for college. | 我得到了四年的足球奖学金, 所以我不需要为大学贷款。 |
| 34 | The problem is not everyone else is getting so lucky. | 问题不是每个人都这么幸运 |
| 35 | And that's why I'm on this mission, to make sure that young adults get on a path | 这就是为什么我的任务, 确保年轻的成年人走上一条道路 |
| 36 | that has some sort of foundation of financial literacy in it. | 这里面有某种金融知识的基础。 |
| 37 | Let's use a couple of professional athletes so I can show you the dichotomy. | 让我们用几个职业运动员, 这样我就可以给你们看二分法。 |
| 38 | First, Anton Walker. | 先是安东·沃克 |
| 39 | He earned over, ready for this, $100 million in the course of his NBA career. | 他在NBA的职业生涯中赚了1亿美元,准备完成这个任务. |
| 40 | By all reports we're hearing, he's lost most of it. | 根据我们听到的所有报道 他失去了大部分 |
| 41 | It was probably, if I had to guess, some combination of a lavish lifestyle, | 可能是,如果我不得不猜测, 一些结合一种奢华的生活方式, |
| 42 | maybe some risky investments in there, giving too much money to friends and family, | 给朋友和家人太多钱 |
| 43 | to his credit though today, he's spending a lot of time teaching young athletes | 不过他今天的功劳是 他花了很多时间教年轻运动员 |
| 44 | what not to do with their money. | 什么不做 他们的钱。 |
| 45 | We then had Rob Gronkowski. | 然后我们有了罗布・格伦考斯基 |
| 46 | He took a different path. | 他走的是另一条路 |
| 47 | He decided what he was going to do is bank every dollar of his NFL salary, | 他决定他要做的是 将他的NFL工资的每美元银行, |
| 48 | every dollar of it, and live totally on endorsement income. | 它的每一美元, 生活完全靠背书收入。 |
| 49 | Well, in the beginning, his endorsement income wasn't that much. | 一开始 他的认可收入并不多 |
| 50 | We all knew it then grew to be Dunkin' Donuts, right? | 我们都知道那会变成Dunkin'甜甜圈 对吧? |
| 51 | So the idea here is this. | 所以这里的想法是这个。 |
| 52 | I could plug in so many different athletes in here. | 我可以在这里插很多不同的运动员。 |
| 53 | 我可以说Johnny Manziel可能搞错了 | |
| 54 | 我可以说Shaquille O'Neal 他可能是对的 | |
| 55 | But you see, the difference that we're seeing here is this, | 但是,你看, 我们在这里看到的区别是, |
| 56 | is that they all have that same opportunity, yet they have very different results. | 他们都有同样的机会,但结果却大不相同。 |
| 57 | And the money that I'm seeing now not only in professional sports | 现在我看到的钱 不仅在职业体育方面 |
| 58 | but in collegiate sports is unbelievable. | 但是在联谊会运动中是不可思议的。 |
| 59 | Folks, I get it. | 伙计们,我明白了。 |
| 60 | Most of us are not going to earn $100 million in the course of our lifetime. | 我们大多数人在一生中不会赚1亿美元。 |
| 61 | However, the pattern seems to be the same for most of us. | 然而,对我们大多数人来说,这种模式似乎是一样的。 |
| 62 | And if you think about it, remember that first paycheck we got? | 想想看,记得我们第一次拿到薪水吗? |
| 63 | That was probably more money than we'd ever seen at the time. | 那可能比我们当时见过的多 |
| 64 | So now I'm working with college athletic departments, | 所以现在我在大学体育系工作 |
| 65 | guiding them on how to educate their student athletes | 指导他们如何教育学生运动员 |
| 66 | who are getting paid money from what's called NIL. | 他们从所谓的NIL那里得到钱 |
| 67 | That stands for name, image, and likeness. | 这代表着名字、形象和相似性。 |
| 68 | This is money that comes in really fast, sometimes in some very big numbers. | 这笔钱来得真快,有时是大数字。 |
| 69 | And what's happening is it's creating this financial whiplash. | 正在发生的是 它造成了这种金融鞭策。 |
| 70 | Because yes, in the beginning, super exciting. | 因为,是的,在开始,超级刺激。 |
| 71 | But then the fear and the guilt and the doubt are creeping in. | 但后来恐惧,内疚,疑惑逐渐渗入. |
| 72 | And now, believe it or not, what I'm starting to see is that this money is doing more harm than good. | 现在,信不信由你,我开始看到, 这笔钱的危害比好。 |
| 73 | Because what you see on the outside looking in is the cool apartment, | 因为你在外边看到的是那间很酷的公寓 |
| 74 | the awesome car, the trendy clothes. | 豪华的车, 潮流的衣服。 |
| 75 | What I'm seeing being on the inside is different. | 我所看到的内在不同 |
| 76 | I'm seeing young adults with a ton of concerns, this fear of who to trust, | 我看见年轻成年人 充满了顾虑 害怕相信谁 |
| 77 | and this unbelievable pressure to live the part. | 和这种难以置信的压力 活在角色。 |
| 78 | Now, you're probably sitting there thinking to yourself, | 现在,你可能坐在那里 想自己, |
| 79 | hey, that's sudden wealth. | 嘿,这是突然的财富。 |
| 80 | That sounds like an awesome problem to have. | 听起来很麻烦 |
| 81 | Send some of that my way. | 送一些我的方式。 |
| 82 | Right. | 对 |
| 83 | And we can all chuckle about it. | 我们能大笑一笑 |
| 84 | But the reality is that sudden wealth syndrome might have already showed up in your life. | 但现实是,突然的财富综合征可能已经出现在你的生活中. |
| 85 | Because this isn't something that just shows up in Beverly Hills. | 因为这不只是在比佛利山出现 |
| 86 | It shows up in regular zip codes, too. | 也出现在常规的拉链码中. |
| 87 | I gave the example of your first paycheck. | 我举出了你第一次薪水的例子 |
| 88 | But how about your first bonus? | 但你的第一个奖金呢? |
| 89 | Or how about your first tax refund? | 还是你第一次退税? |
| 90 | Or maybe it's an inheritance. | 或有或有遗产. |
| 91 | You see, for most of us, it's not this big windfall of seven figures. | 你看,对于我们大多数人来说,这不是7个数字的暴利。 |
| 92 | For most of us, it comes little by little. | 对我们大多数人来说,它很少出现。 |
| 93 | Every paycheck, every pay raise, every bonus. | 每一次薪水,每次加薪,每次奖金. |
| 94 | So that then makes me think of the metaphor when we talk about goal planning that you've all heard of. | 因此,当我们谈论你们都听说过的目标规划时, 让我想到这个比喻。 |
| 95 | It's the ready, aim, fire, right? | 这是准备,瞄准,射击,对不对? |
| 96 | But when it comes to money, we don't seem to be getting this right. | 但是,当涉及到金钱, 我们似乎没有做到这一点。 |
| 97 | In fact, we're not ready at all. | 事实上,我们还没有准备好。 |
| 98 | We are avoiding the aim, and we're going right to fire. | 我们正在避开目标,我们正要开火。 |
| 99 | And what that does when you think about it is it brings you from this potential place of peace of mind, | 当你想到它时, 它会把你从一个潜在的 平静的地方带来, |
| 100 | and it brings you over here to this area of panic. | 它把你带到这个恐慌地区 |
| 101 | Let me give you a couple of examples that I've seen. | 让我举几个例子给你们看看。 |
| 102 | Nineteen-year-old high school student, he's getting money, cash, for NIL to go play a sport at the college. | 十九岁的高中生,他得到了钱,现金,为NIL去大学运动. |
| 103 | Also getting a free car. | 还有免费车 |
| 104 | This kid, he was celebrating. | 这孩子,他在庆祝。 |
| 105 | Until he wasn't. | 直到他没有。 |
| 106 | Because he got a nice little reminder letter from the IRS telling him that he owed tax on the value of that car. | 因为他收到国税局的提醒信 告诉他他欠那辆车的税 |
| 107 | There you have it. | 给 |
| 108 | He wasn't ready. | 他还没准备好 |
| 109 | He didn't aim. | 他没有瞄准 |
| 110 | He went right to fire. | 他直接开枪了 |
| 111 | And now he's experiencing this tax shock. | 现在他正在经历这场税收冲击. |
| 112 | A second example was a young woman who was not an athlete, went to college for four years. | 第二个例子是一名年轻女子,她不是运动员,上大学四年。 |
| 113 | She got her dream job in New York City. | 她在纽约市得到了她的梦想工作. |
| 114 | She worked harder than she ever had. | 她比以前更努力工作过 |
| 115 | She got a bonus at the end of the year. | 年底她得到了奖金. |
| 116 | Now, look, it wasn't millions, but it was certainly more money than she'd ever seen. | 现在,你看,它不是数百万, 但它肯定比她见过的更多钱。 |
| 117 | So what did she do? | 那她怎么办? |
| 118 | She decided she wanted to upgrade the apartment. | 她决定想升级公寓 |
| 119 | That then led to having to furnish the apartment. | 结果不得不提供公寓。 |
| 120 | A little bit of money left over, so why save it? | 余钱少许,何以省之? |
| 121 | Let's just go down to Miami on a vacation. | 我们去迈阿密度假吧 |
| 122 | And then she said to me four months later, this was what was going on in her head. | 四个月后,她对我说,这是她脑子里发生的事情。 |
| 123 | It was, how much of that money should I have saved? | 我存了多少钱? |
| 124 | Should I have spent everything? | 我应该花光一切吗? |
| 125 | Am I ever going to get any of this right? | 我能不能搞到这个? |
| 126 | Well, she wasn't ready. | 她还没准备好 |
| 127 | She missed the aim, therefore went right to fire. | 她没有射中目标,因此直接开火。 |
| 128 | And now she brought herself from this place that she could have had confidence. | 现在,她从这个地方带回了自己 她可以有自信。 |
| 129 | And now she had a ton of concerns. | 现在她有太多的担心 |
| 130 | So the question you must ask yourself is this. | 所以,你必须问自己的问题是这个。 |
| 131 | It's why? | 为什么? |
| 132 | Why is it that really smart people continue to fall into this trap? | 为什么真正的聪明人继续落入这个陷阱? |
| 133 | Well, there are a lot of reasons why, probably thousands. | 原因很多,大概有上千个 |
| 134 | Let me just give you a few that I see over and over. | 让我给你一些 我一遍又一遍地看到。 |
| 135 | The first is what I call identity shock. | 第一个是所谓的身份冲击。 |
| 136 | Money doesn't just change your wallet. | 钱不只是换钱包 |
| 137 | It changes the way you see yourself. | 它改变了你看待自己的方式。 |
| 138 | And you see yourself as more valuable. | 而且你觉得自己更有价值 |
| 139 | And when you see yourself as more valuable, you want everyone else to see how valuable you are. | 当你觉得自己更有价值时, 你希望其他人看到你有多有价值。 |
| 140 | So what do you do? | 那你怎么办? |
| 141 | You reflect it in your spending habits, right? | 你在你的消费习惯中反映它,对不对? |
| 142 | But the paradox in life is this. | 但生活中的矛盾就是这个. |
| 143 | Is that real confidence in life, I'm talking real confidence, | 我说的是真正的自信 |
| 144 | doesn't come from buying an expensive car to impress people you don't even know. | 不是买辆昂贵的车来打动你不认识的人 |
| 145 | Real confidence in life comes when you know you can buy the car, | 当你知道可以买到车时, 对生命的真正信心就来了 |
| 146 | but you know you don't have to to impress the people that are already in your circle. | 但你知道你不必给那些 已经进入你圈子的人留下深刻印象 |
| 147 | The second thing I'm seeing is what I call a lack of financial literacy. | 我所看到的第二件事就是我所说的缺乏金融知识。 |
| 148 | You might have heard the phrase, we can prepare the kids the money for the kids, | 你可能听过这句话 我们可以给孩子们准备钱 |
| 149 | but not the kids for the money. | 但不是孩子的钱。 |
| 150 | Well, that's pretty true. | 没错 |
| 151 | And so what's happening is you think of the 19 year old with the free car. | 所以现在发生的情况是,你想到了19岁的免费车。 |
| 152 | Come on, we couldn't have taught him about tax ahead of time or the young woman who blew through that bonus. | 拜托 我们不能提前教他税法 也不能教那个吹过奖金的年轻女人 |
| 153 | Seriously, we could have taught her about budgeting in this concept of paying yourself first in terms of savings. | 说真的,我们本可以教她如何在这种先自付储蓄的概念下编制预算。 |
| 154 | Think about this. | 考虑一下 |
| 155 | We are sending kids to college for four years. | 我们要送孩子上大学四年 |
| 156 | We're paying for that or taking out loans so that they could go out into the world and earn money. | 我们正在支付 或取出贷款 这样,他们可以出去 进入世界和赚取钱。 |
| 157 | But we're not going to take one class in those four years to make sure that they know what to do when the money shows up. | 但我们不会在这四年里上一个班,以确保当钱出现时他们知道该怎么做. |
| 158 | The last thing is what I call emotional unpreparedness. | 最后一件事就是我所说的情感不准备。 |
| 159 | It's not just the money that shows up. | 不单是钱才出现. |
| 160 | No, it's the pressure because you remember that fear and the guilt and the doubt that I told you about. | 不,这是压力 因为你记得恐惧, 内疚和怀疑 我告诉过你。 |
| 161 | You wrap those together and I'm going to show you someone who's overwhelmed. | 你把这些包起来,我会让你看到一个不知所措的人。 |
| 162 | You show me someone who is overwhelmed. | 你给我看一个不知所措的人 |
| 163 | I'm going to show you someone who probably doesn't always make the best money decisions. | 我要告诉你一个人 谁可能不总是 做出最好的金钱决定。 |
| 164 | OK, enough with the depression. | 好了,别郁闷了 |
| 165 | I have good news. | 我有一个好消息。 |
| 166 | When I'm sitting with my students in the class and we talk about sudden wealth syndrome, we have a solution. | 当我和班上的学生坐在一起 我们谈论突然的财富综合症时 我们有一个解决方案 |
| 167 | And that solution is what we call the four P's. | 这个解决方案就是我们所说的四个P。 |
| 168 | And if you see the money coming and you get to these four P's quickly, you have a much better chance of success. | 如果你看到钱的到来 并很快到达这四个P, 你有一个更好的成功机会。 |
| 169 | So let's go through what they are. | 所以,让我们看看他们是什么。 |
| 170 | The first is to pause. | 第一是暂停。 |
| 171 | Think about it like this. | 考虑一下吧 |
| 172 | Have you ever gotten an email or text that's, let's just say, a little less than kind? | 你有收到过电子邮件或短信吗? 说说看,比友善少一点? |
| 173 | I don't know about you, but sometimes it gets me on a bad day. | 我不知道关于你, 但有时它让我在一个糟糕的一天。 |
| 174 | And I want to fire one back at him. | 我想朝他开枪 |
| 175 | But then I start to type that out and I get to the end and I realize, OK, I need to exercise what's called the 24 hour rule. | 但是,然后我开始打字,然后我得到 结尾,我意识到, 好了,我需要锻炼 所谓的24小时规则。 |
| 176 | So you take that and you put it in your draft folder. | 所以,你拿着它,你把它放在你的草稿文件夹。 |
| 177 | And I could tell you me, I hardly ever, pretty much never send the email in that format that I had drafted. | 我可以告诉你,我几乎从来没有, 几乎从来没有发送电子邮件 我起草的格式。 |
| 178 | So when you think about not sending that email and exercising the 24 hour rule, | 所以,当你考虑 不发送电子邮件和行使 24小时规则, |
| 179 | I want you to think about mastering the pause in life and with money. | 我要你考虑 掌握生命的暂停和金钱。 |
| 180 | That ability to master the pause can be the difference between success and failure. | 掌握暂停的能力可能是成功与失败的区别。 |
| 181 | The second P is what I call purpose. | 第二个P就是我所说的目的。 |
| 182 | Money without meaning has no destination. | 没有意义的钱没有目的地。 |
| 183 | Think about it like this. | 考虑一下吧 |
| 184 | Imagine you're driving your car in an area that you don't know. | 想象一下你在你不知道的地方开车 |
| 185 | You're kind of lost. | 你有点迷路了 |
| 186 | What do you do? | 你们是做什么的? |
| 187 | Right. | 对 |
| 188 | You plug in the destination into the navigation and it helps get you out of there. | 你插进目的地的导航系统 它能帮你离开那里 |
| 189 | If you don't know, have that destination, you might be there forever trying to get out of there. | 如果你不知道,有那个目的地, 你可能永远在那里 试图离开那里。 |
| 190 | For each of us, our purpose is a little bit different. | 对我们每个人来说,我们的目的有些不同。 |
| 191 | For you, it might be providing security for your family or for yourself. | 对你来说,它可能为你的家人或你自己提供安全保障。 |
| 192 | For you, it might be giving money to others. | 对你来说,它可能是给别人钱。 |
| 193 | For you, it might just be getting some of your time back. | 对你来说,它可能只是得到 一些你的时间回来。 |
| 194 | For all of us, it's different, but you have to identify what's the point of this money. | 对于我们所有人来说,这是不同的,但你必须辨别这笔钱的意义. |
| 195 | The third P is what I call people. | 第三P是我所说的人。 |
| 196 | Imagine you're a race car driver. | 想象一下你是赛车司机 |
| 197 | That's right. | 没错 |
| 198 | You're sitting in the chair. | 你坐在椅子上。 你坐在椅子上。 |
| 199 | You have your hands on the wheel. | 你的手放在车轮上 |
| 200 | You're going around that track. | 你要绕着赛道走 |
| 201 | What do you need to do at some point? | 你什么时候该做什么? |
| 202 | Right. | 对 |
| 203 | You need to pull into your pit crew, your people, because they're the ones that have the expertise on the car | 你需要拉进你的坑里,你的人, 因为他们有 在汽车上的专门知识 |
| 204 | to get it back out there on the track so you can finish the race. | 让它回到赛道上去 这样你就能完成比赛了 |
| 205 | And then finally, last but not least, is what I call the plan. | 最后,最后但并非最不重要的是,我所说的计划。 |
| 206 | Think about it like this. | 考虑一下吧 |
| 207 | Imagine you bought a piece of property that you're going to build your dream house on. | 想象一下,你买了一块地产 你要建造你的梦想的房子。 |
| 208 | Would you wake up one morning, get some boards, a nail, and a hammer, | 有一天早上你醒来,拿些板子、钉子和锤子 |
| 209 | and then just go over to that property and start knocking things together? | 然后去那个地方 开始把事情搞砸? |
| 210 | No. | 没有 |
| 211 | You would never do that. | 你永远不会这样做。 |
| 212 | You would create a blueprint. | 你会创造一个蓝图。 |
| 213 | And that blueprint would guide everything that you were going to do from the foundation all the way up to the roof. | 这个蓝图将指导你将要做的事情 从基金会一直到屋顶。 |
| 214 | So here's the thing that I want you to think about. | 所以我希望你考虑一下 |
| 215 | This is not a story for athletes. | 这不是运动员的故事。 |
| 216 | This story belongs to all of us, all of us who could have money show up. | 这个故事属于我们所有人,所有可以有钱出现的人. |
| 217 | And at the same time, sudden wealth syndrome could show up at the same time. | 同时,突然的财富综合征可能同时出现. |
| 218 | So how do we avoid being part of that 78% statistic? | 那么我们如何避免成为78%统计的一部分? |
| 219 | Well, first, you got to keep your head on a swivel. | 首先,你得保持你的头在摇摆。 |
| 220 | The money is coming. | 钱来了 |
| 221 | It's probably coming little by little, but it's coming. | 可能会慢慢来,但是会来的 |
| 222 | And we've got to be ready for it. | 亦得备足. |
| 223 | And when you see it coming, you have to reach in your pocket quickly, grab those four P's. | 当你看到它来的时候,你必须迅速伸手,抓住那四个P's。 |
| 224 | You have to pause. | 你必须暂停。 |
| 225 | Just don't do anything with the money for a couple of days or a couple of weeks. | 只要不做任何事情 用钱几天或几个星期。 |
| 226 | Figure out what your purpose is. | 想想你的目的是什么 说吧 |
| 227 | Speak to your significant other, your family. | 跟另一个重要人物谈谈 你的家人 |
| 228 | Do some journaling. | 做一些日记。 |
| 229 | Find who your people need to be. | 找出你的人需要成为什么样的人 |
| 230 | Ask a friend who's your financial advisor. | 问一个朋友谁是你的财务顾问。 |
| 231 | Go to your local bank. | 去你的当地银行 |
| 232 | Do a little research online. | 在网上做点研究. |
| 233 | And last but not least, put together that plan because it's going to be the North Star for you | 最后,但并非最不重要的, 制定这个计划,因为它会成为你的北极星 |
| 234 | that's going to guide every dollar that comes in. | 它将引导每一个美元 进来。 |
| 235 | Here's what I want you individually to imagine. | 这就是我要你单独想象的 |
| 236 | Imagine the money comes into your life. | 想象一下钱会进入你的生活 |
| 237 | I want you now to imagine that instead of feeling petrified, you're feeling prepared. | 我要你现在想象一下 与其感到害怕,还不如觉得有准备 |
| 238 | Instead of feeling embarrassed that you don't understand money, I want you to feel empowered. | 而不是因为你不懂钱而感到尴尬 我希望你能感觉到力量 |
| 239 | And instead of feeling concern, I want you to feel confidence. | 而不是担心,我要你有信心 |
| 240 | Sudden wealth doesn't need to be the thing that makes your life worse. | 突然的财富 不需要成为 让你的生活更糟的东西。 |
| 241 | It can make your life absolutely better, but you've got to be ready for it. | 它可以让你的生活绝对更美好, 但你必须准备好。 |
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