（中英附文稿）把钱的问题一件件理清：预算、应急储备与还债该如
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | The lack of budgeting will result in every financial problem. | 缺乏预算编制将造成每一个财政问题。 |
| 0:03 | It'll start the whole snowball of | 它会开始整个雪球 |
| 0:05 | disaster. | 灾难。 |
| 0:06 | You're not going to be the homeowner, the retiree, the emergency fund person, the car | 你不会是房主 退休者 紧急基金人员 汽车 |
| 0:10 | owner, and I'm okay with anyone doing whatever they want. | 老板,我同意任何人 做他们想做的。 |
| 0:14 | Do it, but then embrace that that is | 做到这一点,但然后拥抱 这是 |
| 0:16 | what you've chosen to put your money on. | 你选择了把你的钱。 |
| 0:17 | Today's guest, Caleb Hammer, has seen it all. | 今天的嘉宾凯勒伯·哈默(英语:Caleb Hammer)已经看到了这一切. |
| 0:20 | Six-figure | 六图 |
| 0:20 | earners drowning, low-income earners winning. | 收入者溺死,低收入者获胜. |
展开字幕全文（249 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | The lack of budgeting will result in every financial problem. | 缺乏预算编制将造成每一个财政问题。 |
| 2 | It'll start the whole snowball of | 它会开始整个雪球 |
| 3 | disaster. | 灾难。 |
| 4 | You're not going to be the homeowner, the retiree, the emergency fund person, the car | 你不会是房主 退休者 紧急基金人员 汽车 |
| 5 | owner, and I'm okay with anyone doing whatever they want. | 老板,我同意任何人 做他们想做的。 |
| 6 | Do it, but then embrace that that is | 做到这一点,但然后拥抱 这是 |
| 7 | what you've chosen to put your money on. | 你选择了把你的钱。 |
| 8 | Today's guest, Caleb Hammer, has seen it all. | 今天的嘉宾凯勒伯·哈默(英语:Caleb Hammer)已经看到了这一切. |
| 9 | Six-figure | 六图 |
| 10 | earners drowning, low-income earners winning. | 收入者溺死,低收入者获胜. |
| 11 | Caleb is breaking down how to actually create wealth | 迦勒正在破坏如何创造财富 |
| 12 | and how much emergency cash you're really needing. | 还有你需要多少紧急现金 |
| 13 | Today, you're getting audited. | 今天,你得到审计。 |
| 14 | Thirty percent of your money goes towards fun. | 你百分之三十的钱都花在了乐趣上 |
| 15 | That's a crazy amount of money. | 这是疯狂的金额。 |
| 16 | People think I'm | 人们以为我 |
| 17 | stingy, like people can't fund. | 吝啬,像人不能资助。 |
| 18 | I'm like, no, just get rid of all the bad shit in your life. | 我很喜欢,不,只是摆脱所有坏狗屎 在你的生活中。 |
| 19 | The major things that actually get you to that financial freedom, that's all pretty basic. | 那些能让你实现金融自由的重大事情, 都非常基本。 |
| 20 | It | 这个 |
| 21 | really is. | 痷 |
| 22 | Is it a better time to be young and alive right now than previous generations or worse? | 现在是比前几代更年轻和活着还是更糟糕的时候? |
| 23 | That's an interesting question. | 这是一个有趣的问题。 |
| 24 | I mean- If you put aside somebody's income, is there one sort of | 我是说... 如果你把某人的收入放在一边, 那有哪一种 |
| 25 | financial metric or thing you look at on somebody's personal balance sheet where you can tell them | 在个人资产负债表上你可以看到的金融指标或东西 你可以告诉他们 |
| 26 | five seconds or less if they're really bad at managing their own money? | 5秒或更短 如果他们真的不好管理自己的钱? |
| 27 | I mean, if there's a | 我的意思是,如果有一个 |
| 28 | collection, you already know it's done. | 收藏,你已经知道它已经完成。 |
| 29 | They're bad enough to allow things to not be paid on | 他们已经够糟了,不给钱 |
| 30 | for six months or whatever it is. | 六个月左右 |
| 31 | It depends. | 这取决于。 |
| 32 | Or a repo. | 或复发心. |
| 33 | If they're letting their primary | 如果他们让自己的初等 |
| 34 | transportation device get taken from their house, that is likely kind of their income source because | 交通设备是从他们家里拿走的 这可能是他们的收入来源 |
| 35 | you have to drive to a job in this country. | 你得开车去这个国家工作 |
| 36 | You got to have a job to have a car to have a job. | 要有工作才能有车才能有工作. |
| 37 | So if someone's getting a repo, that's when you know is pretty brutal. | 所以,如果有人得到回购, 那就是当你知道相当残酷。 |
| 38 | How common is that? | 这有多常见? |
| 39 | Collections, almost half the episodes we do. | 收藏品,几乎是我们所拍的一半 |
| 40 | Yeah, which I mean, honestly, for what it's worth. | 是啊,我的意思是,说实话, 对于它的价值。 |
| 41 | | |
| 42 | someone lets a $500 card go to collections. | 有人让500美元卡片去收藏 |
| 43 | It sucks. | 烂透了 |
| 44 | It screws them over for getting approved | 被批准就毁了他们 |
| 45 | for a new car loan, maybe a decent credit card, like a 0% interest credit card, you know, intro | 新的汽车贷款,也许一个体面的信用卡, 像一个0%的利息信用卡,你知道,介绍 |
| 46 | period. | 期间。 |
| 47 | But most people can still get an apartment. | 但大多数人仍然可以得到一个公寓。 |
| 48 | Yeah, you know, maybe they have to do like first | 是啊,你知道,也许他们必须先做 |
| 49 | month, last month, a little extra besides just a security deposit. | 一个月,上个月,除了一个保证金外,还有一点额外。 |
| 50 | They'll still get a car loan, | 他们还是会借车的 |
| 51 | a credit card. | 一个信用卡。 |
| 52 | They're just like predatory. | 他们就像掠食者。 |
| 53 | That's where you get like a 20% car loans, | 在那里你得到 像20%的汽车贷款, |
| 54 | 30% car loans. | 30%的汽车贷款. |
| 55 | And the credit cards, no interest, like credit one, credit one. | 还有信用卡,没有利息,就像信用卡,信用卡一样 |
| 56 | So brutal. | 如此残酷。 |
| 57 | This is | 这是 |
| 58 | monthly fees. | 每月收费。 |
| 59 | It just eats them alive. | 它只会活生生地吃掉它们 |
| 60 | So when they have collections, they can still survive. | 所以当它们有收藏的时候,它们仍然可以生存. |
| 61 | It's not like the end of the world, but it definitely puts them in a worse position. | 这与世界末日不同,但绝对使他们处于更糟糕的地位. |
| 62 | It | 这个 |
| 63 | takes like seven years for it to fall off your credit. | 花了七年时间才失去你的信用 |
| 64 | And they can sue you for different ones. | 他们可以控告你不同的人 |
| 65 | But usually, it's not worth going through the legal process because they're such small balances. | 但通常情况下,这不值得通过法律程序,因为它们是这么小的平衡. |
| 66 | But | 不过 |
| 67 | if it's large enough, it might be worth them coming after you repo. | 如果它足够大, 它可能值得他们 之后,你收回。 |
| 68 | And that's actually pretty | 这其实很漂亮 |
| 69 | rare. | 难得. |
| 70 | I do like those repo videos, though, which is totally inappropriate to say you ever see the | 我确实喜欢那些 Repo 视频,虽然, 这是完全不恰当的 说你曾经看到 |
| 71 | guys with a shark, the car, absolutely hard neighborhood. | 有鲨鱼的人,车, 绝对困难的邻居。 |
| 72 | This is always that's you see a | 这总是你看到的 |
| 73 | lot of different dynamics of play. | 很多不同的游戏动态。 |
| 74 | When, when you see the repo videos, you see them say, I'll make | 当你看到录影带的时候,你看到他们说,我会做 |
| 75 | my payment right now. | 我的钱现在。 |
| 76 | I'll give you the money. | 我给你钱。 |
| 77 | I'll give you the money for the payment. | 给钱付. |
| 78 | It's | 这是 |
| 79 | like, no, call the bank. | 像,不,打电话给银行。 |
| 80 | You're supposed to make the baby. | 你应该让孩子出生 |
| 81 | That's the issue. | 这就是问题所在。 |
| 82 | If you weren't able | 如果你做不到的话 |
| 83 | to pay it right now, why didn't you? | 为什么现在不付呢? |
| 84 | I, my heart feels for anyone going through a repo situation. | 我,我的心对任何人 经历的雷波情况。 |
| 85 | It's brutal. | 这是残酷的。 |
| 86 | But I mean, if you're in that situation where you're that many months behind, | 但是,如果你在那种情况下 你落后了几个月, |
| 87 | you luckily got a car that you couldn't afford, or you weren't smart when you had a job by saving | 幸运的是,你有一辆你买不起的车, 或者你没有聪明 当你有工作,通过节省 |
| 88 | up an emergency fund of any kind, because 40% of Americans can't do a $400 emergency. | 因为40%的美国人不能做400美元的紧急手术 |
| 89 | So at that | 所以说 |
| 90 | point, there were just too many mistakes that were made out of the gate for you to be in that | 点,只是有太多错误 出自大门 让你无法在其中 |
| 91 | situation. | 情况 |
| 92 | Yeah. | 对 |
| 93 | What else do you think shows up on like every broke person's account? | 你觉得还有什么像每个破人户头一样出现? |
| 94 | That's like | 这就像 |
| 95 | an immediate standard. | 即时标准 |
| 96 | You have your clarinas, your firms, even PayPal paying for, which honestly, | 你有你的Crinas,你的公司, 甚至PayPal支付, 这说实话, |
| 97 | personal favorite of mine. | 我个人最喜欢的。 |
| 98 | I've used it. | 我用过 |
| 99 | I'm good with it. | 我很擅长 |
| 100 | I'll use it today. | 我今当用. |
| 101 | I don't need to, | 我不需要这样 |
| 102 | but I mean, it could be nice splitting just a payment in four. | 但是,我意思是,这可能是很好的 分成只是一个四。 |
| 103 | That's fine. | 没关系 |
| 104 | But what you | 不过你 |
| 105 | start seeing is when people get on clarina, they feel like they have access to money and then they | 开始看到,当人们上Clarina, 他们觉得他们有 钱,然后他们 |
| 106 | finance it like anything else. | 像其他东西一样资助它。 |
| 107 | And a car alone immediately gets you up to like 35%, where even | 单靠一辆车就能让你达到35% 在那里甚至 |
| 108 | the highest credit cards, we're talking 30%. | 最高的信用卡,我们说30%。 |
| 109 | So it's one of the worst things that I see on | 所以这是最糟糕的事情之一 我看到 |
| 110 | people's finances today that is getting way too normalized is using those clarinas and affirms. | 今天人们的金融已经变得太正常了 正在使用这些crinas和确认。 |
| 111 | Yeah. | 对 |
| 112 | Buy now, pay later, such an actually predatory thing that sounds really nice. | 买现在,付以后, 这样的真正的掠夺性的东西 听起来真的很好。 |
| 113 | Yeah. | 对 |
| 114 | I mean, I've used PayPal paying for it, right? | 我的意思是,我用 PayPal 支付它,对不对? |
| 115 | I used it before I was rich. | 发财前用. |
| 116 | I've used | 我用过 |
| 117 | it since I've been rich. | 自从我发财以来 |
| 118 | It's fine. | 没事 |
| 119 | Any debt, any debt, except for like a payday loan, almost any | 任何债务,任何债务, 除了像支付日贷款,几乎任何 |
| 120 | can be good debt if used properly. | 如果使用得当, 债务会是好的。 |
| 121 | And it can all be bad and abused and completely fuck someone's | 这一切都可能是坏的和虐待 完全他妈的某人的 |
| 122 | life over. | 生活结束。 |
| 123 | Are you seeing anybody or a lot of people use like polymarket and betting, | 你是否看到任何人 或很多人使用 像多市场和赌注, |
| 124 | but they don't have the cash to do it? | 但他们没钱做? |
| 125 | Or is that not common yet? | 还是这还不常见? |
| 126 | It's interesting because the narrative right now is that young men are all doing it, | 这很有趣 因为现在的叙述是 年轻人都这样做, |
| 127 | which I mean, and I know young men do have a lot of issues with talking about, but interesting | 我的意思是,我知道 年轻人确实有很多 问题与谈论,但有趣的 |
| 128 | enough, both genders are actually using those sports betting pretty similar. | 足够了, 两种性别实际上使用 这些运动赌注非常相似。 |
| 129 | It's like off | 这就像关闭 |
| 130 | like 4%. | 像4%。 |
| 131 | I think it's nearly like 30% of young people, but pretty close to both genders, but | 我认为这几乎是30%的年轻人, 但相当接近两个性别,但 |
| 132 | they're not really talking about the young women getting into sports betting. | 他们其实不是在说年轻女性要打赌 |
| 133 | I also don't know | 我也说不清 |
| 134 | who the fuck they are because they're not talking about sports betting. | 他们他妈的是谁 因为他们不是在说体育赌博 |
| 135 | Like you see guys talking | 就像你看见男人说话一样 |
| 136 | about it all the time. | 关于它所有的时间。 |
| 137 | You got Varsful and all this, Varsul. | 你得到了瓦斯福尔和这一切,瓦苏尔。 |
| 138 | I mean, I did some bets on the Super | 我的意思是,我做了一些赌 超级 |
| 139 | Bowl. | 鲍尔。 |
| 140 | Again, it's like anything. | 又复如是一切众生. |
| 141 | They can be fun. | 他们可以很有趣。 |
| 142 | Drinking can be fun. | 饮酒可乐. |
| 143 | It's when it gets to the | 当它到达 |
| 144 | show, which is very scary. | 显示,这是非常可怕的。 |
| 145 | Or people are in the hundreds, maybe even thousands of dollars a month | 或者人们在几百, 甚至每月数千美元 |
| 146 | on sports betting. | 在体育赌注。 |
| 147 | They don't use debt to do it, but in a way they do because on their checking | 他们不用债务来做, 但在某种程度上他们这样做,因为他们检查 |
| 148 | account, they'll use this much of it on sports betting, which means in order to fund the rest | 他们用这么多钱来赌体育赌博 也就是说要给剩下的钱 |
| 149 | of the lifestyle that would take up this much, they have to put this much on the credit card. | 他们不得不把这么多的信用卡。 |
| 150 | So it immediately starts offsetting and in a way they're funding their gambling through debt. | 因此,它立即开始抵消 在某种程度上,他们通过债务资助赌博。 |
| 151 | Yeah. | 对 |
| 152 | What do you think about OnlyFans subscriptions? | 你觉得只有Fans订户怎么样? |
| 153 | I don't understand paying for tits personally. | 我不懂为奶子付钱 |
| 154 | They're everywhere. | 到处都是 |
| 155 | They're free. | 他们是自由的。 |
| 156 | Porn. | 色情剧. |
| 157 | It's out there. | 师出曰. |
| 158 | You know where to find it. | 知何处寻. |
| 159 | I don't understand paying for it. | 我不明白为它付钱。 |
| 160 | I mean, | 我是说... |
| 161 | the marketing's gotten good. | 营销越来越好。 |
| 162 | Has it really? | 是吗? |
| 163 | Because I don't think they target with it. | 因为我不认为他们瞄准它。 |
| 164 | So I don't think I have no idea. | 所以我不认为我不知道。 |
| 165 | What does it look like? | 它看起来像什么? |
| 166 | No, it's just gooder bait everywhere | 不 到处都是好饵 |
| 167 | online. | 在线。 |
| 168 | It's crazy. | 太疯狂了 |
| 169 | And they're like, you kind of want to see what's on the other side. | 他们喜欢, 你有点想看看 在另一边。 |
| 170 | Yeah. | 对 |
| 171 | So I mean, over the years, I've definitely fallen to maybe like two trials, maybe three | 所以,我是指,这些年来, 我绝对跌入 可能像两个试验,也许三个 |
| 172 | trials. | 审判。 |
| 173 | If I get it, just trials immediately canceled. | 如果我得到它, 只是审判立即取消。 |
| 174 | But I don't allow myself to do it, | 但我不允许自己这么做 |
| 175 | especially since starting the show. | 特别是节目开始后 |
| 176 | I'm just like looking at these people doing it, | 我只是看着这些人这样做, |
| 177 | falling into it. | 坠入其中。 |
| 178 | It's, and when they get the OnlyFans subscription itself, isn't what scares me. | 是,当他们得到OnlyFans订阅本身, 并不是什么让我害怕。 |
| 179 | What scares me is the people paying to chat because you're also paying to chat to an Indian | 我最怕的是人们花钱聊天 因为你还付钱跟一个印度人聊天 |
| 180 | overseas. | 海外。 |
| 181 | And it's, I don't know what it's, it's just an indication of the absolute insanity | 我不知道是什么 只是表明绝对精神错乱 |
| 182 | that is the loneliness epidemic right now. | 这是孤独的流行病 现在。 |
| 183 | Paying to chat is fucking crazy. | 付钱聊天是他妈的疯了。 |
| 184 | Yeah. | 对 |
| 185 | We used to hang up on like Indian telemarketers that were just trying to call | 我们经常挂电话 像印度的电话推销员 他们只是想打电话 |
| 186 | you random, but now you pay them to talk dirty to you. | 你随意,但现在你付钱给他们 跟你说话脏。 |
| 187 | It's a real turn of events. | 真实转法轮. |
| 188 | It's absolutely like crazier episode, you know? | 这绝对像疯狂的一集,你知道吗? |
| 189 | Yeah. | 对 |
| 190 | I don't understand it, | 我不明白这一点, |
| 191 | OnlyFans subscriptions, like I don't think it's necessarily good. | 仅 粉丝订阅,好像我不认为这一定很好. |
| 192 | Porn can't, | 色情电影不能 |
| 193 | porn's not always healthy. | 色情片并不总是健康的。 |
| 194 | People, you know, it's like anything get out of balance. | 人们,你知道,这就像什么 得到平衡。 |
| 195 | And then once | 还有一次 |
| 196 | you get that parasocial relationship and you associate it with money, it can go downhill | 你得到那种准社会关系 你把它与金钱联系起来, 它可以走下坡 |
| 197 | really quick. | 快点 |
| 198 | And we've had a lot of people on the shelf hiding OnlyFans subscription payments | 我们有很多人在货架上 藏着只有Fans订阅费 |
| 199 | from their significant others. | 从他们的重要的其他人。 |
| 200 | When the significant others said, no, you can't do that. | 当其他人说,不,你不能这样做。 |
| 201 | Yeah. | 对 |
| 202 | No, I can't imagine many significant others are stoked about that. | 不,我无法想象其他许多重要人物 都对此感到困惑 |
| 203 | I don't even | 我甚至没有 |
| 204 | know if most people realize how bad the American debt crisis is, how bad the Americans' finances | 如果大多数人知道美国债务危机有多严重 美国财政有多糟糕 |
| 205 | are. | 对 |
| 206 | So could you maybe paint a picture, like what is happening to the average American | 所以,你也许可以画一幅画, 像发生了什么事,普通美国人 |
| 207 | financially today? | 今天的财源? |
| 208 | Well, if we look at the country, before even looking at the average, | 好吧,如果我们看看国家, 甚至没有看平均, |
| 209 | if you look at the country, we're talking trillions at this point. | 如果你看看这个国家, 我们谈论的万亿在这一点上。 |
| 210 | I think credit cards | 我觉得信用卡 |
| 211 | in the trillions, student loans in the trillions, mortgages in the trillions. | 万亿元中,学生贷款万亿元,抵押贷款万亿元. |
| 212 | And mortgages can be | 房贷可以 |
| 213 | good, but you know, there's people get into houses they can't afford. | 好,但你知道,有人进入 房子他们买不起。 |
| 214 | And 11% of student loans right | 11%的学生贷款对 |
| 215 | now are going into default, which is absolutely crazy. | 现在陷入违约,这是绝对疯狂的。 |
| 216 | And that's not a loan you want to fuck | 这不是你想要的贷款 |
| 217 | with. | 带。 |
| 218 | Like that doesn't go to collections like the other ones that garnishes your wages. | 不像其他那些会扣你工资的 那样收钱 |
| 219 | That | 那个 |
| 220 | starts getting really, really bad when you can get on a payment as low as 1% of your income. | 开始变得非常,非常糟糕 当你可以得到一个付款 低至你收入的1%。 |
| 221 | Why have it garnished up to 20% of your income? | 为什么它被扣到你收入的20%? |
| 222 | I don't really, that's such a weird personal choice | 我真的没有,这是这么奇怪的个人选择 |
| 223 | at the end of the day. | 终於. |
| 224 | But for the average person, again, 40% of Americans can't afford a $400 | 但对于普通人来说 40%的美国人 买不起400美元 |
| 225 | emergency, not $1,000, but just a $400 emergency. | 紧急,不是1000美元,只是400美元 |
| 226 | 40% can't afford it. | 40%的买不起. |
| 227 | Insane. | 神经病 |
| 228 | The amount of times | 次数 |
| 229 | that I was driving delivery, driving Jimmy John's in college and lost the tire or something, or | 我开车送货, 驾驶吉米约翰在大学 和失去了轮胎什么的, |
| 230 | popped a tire, that's an expensive fix. | 撞了个轮胎,很贵的 |
| 231 | If we, if 40% can't do a $400 emergency, I don't know | 如果我们,如果40% 不能做400美元的紧急, 我不知道 |
| 232 | what their future looks like. | 他们的未来是什么样子。 |
| 233 | It's a future of only debt, because that means every single time | 这是债务的未来,因为这意味着每一次 |
| 234 | anything happens here, you're going further into debt, which prevents you with those new | 无论发生什么,你都要进一步负债, 从而阻止你与这些新的 |
| 235 | minimum payments from saving up any money to prevent the next emergency, which just pushes | 最少的付款不能存任何钱来防止 接下来的紧急情况,这只会推动 |
| 236 | you into more debt. | 你债台高筑 |
| 237 | So that's why it's the emergency, not having an emergency fund is an | 因此,这是紧急, 没有紧急基金是 |
| 238 | emergency because it'll fuck up everything. | 因为它会把一切都搞砸了 |
| 239 | It'll start the whole snowball of disaster. | 能发起一切灾难雪球. |
| 240 | And we've seen that on the show with people's pets getting sick and stuff like that. | 我们已经在节目中看到,人们的宠物生病了 和类似的东西。 |
| 241 | I want people to | 我希望人们 |
| 242 | take care of their pets, but then it puts them into a $10,000 loan, asserts a minimum payment | 照顾好他们的宠物, 但是,它把它们放入 一万美元贷款, 声称最低付款 |
| 243 | snowball. | 雪球 雪球 雪球 |
| 244 | It just, it gets brutal and just everlasting. | 它只是,它变得残酷 和只是永恒。 |
| 245 | So let me, that's just one example. | 让我来,这只是一个例子。 |
| 246 | But again, the student loan one is huge. | 但同样,学生贷款是巨大的。 |
| 247 | The average, not median. | 平均,不是中位数。 |
| 248 | So average, which is a little | 这么平均,有点 |
| 249 | boosted borrow is like 30,000 dollars, that's a little boosted borrow is like 30,000 dollars. | 提款额相当于30,000美元 提款额相当于3万美元 |
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