Most people don't have a money problem. They have a money education problem. Colleges are basically for fun and to prove you can do your chores, but they're not for learning. As a general matter, as a one piece of specific finance financial advice, I would say, you know, avoid credit cards.
大多数人没有金钱问题。他们有金钱教育问题。大学基本上是为了好玩以及证明你能做家务，但它们不是为了学习。一般来说，作为一条具体的理财建议，我会说，你知道，避免使用信用卡。
Just forget about them. If you start revolving debt on credit cards, you're going to be paying 18 or 20%. And you can't make progress in your financial life going around borrowing money at 18 or 20%.
干脆忘掉它们。如果你开始在信用卡上循环负债，你将支付18%或20%的利息。你无法在财务生活中取得进展四处借钱以18%或20%的利率借钱。
You can work hard your entire life, make more money every year, and still never build real wealth if nobody teaches you what to do with it. I buy anything I want the basically, but I can't buy time.
你可以一辈子努力工作，每年赚更多的钱，却仍然无法积累真正的财富如果没有人教你如何利用这些钱。基本上我想买什么就买什么，但我买不到时间。
And so to have time is the most precious thing you can have. It I better be careful with it. There's no way I will be able to buy more time. Saving money is not smart. It used to be smart.
因此，拥有时间是你所能拥有的最珍贵的东西。我最好小心对待它。我不可能买到更多的时间。存钱并不明智。过去它曾是明智的。
It has not been smart for 50 years. And if you wait until you finally make enough without learning how money works, you will spend years making money without ever building any real freedom.
它已经有50年不明智了。如果你一直等到终于赚够了钱却没有学会金钱是如何运作的，你会花很多年去赚钱却从未建立起任何真正的自由。
So, in the next 3 hours, you'll learn the money lesson successful people use to build wealth, make smarter financial decisions, and make their money work for them. If you've been here before, drop a hashtag believe in the comments below so I can feature you here in a future video.
所以，在接下来的3个小时里，你将学到金钱的课程成功人士用它来积累财富，做出更明智的财务决策，并让他们的钱为他们工作。如果你以前来过这里，在下方评论区打上标签#相信这样我就能在未来的视频中展示你。
And if you're new, welcome to Believe Nation, the only channel that helps you believe in yourself daily, one video at a time. Believe. Nobody ever taught you money. And that's why it causes so much stress in your life.
如果你是新人，欢迎来到相信国度，唯一一个帮助你每天相信自己的频道，一次一个视频。相信。从来没有人教过你金钱。这就是为什么它给你的生活带来如此大的压力。
Our school systems teach us nothing about money. Nothing. It's pathetic. Money is just numbers in and numbers out, isn't it? See, that's where people get thrown off. I think I think that's the root of a lot of financial problems for amateurs and professionals.
我们的学校系统没有教我们任何关于金钱的知识。没什么。真可悲。钱不过就是数字进进出出，不是吗？看，这就是人们被误导的地方。我认为，我认为这就是许多财务问题的根源，对于业余爱好者和专业人士来说都是如此。
When the FINRA Foundation quizzed more than 25,000 American adults on seven basic money questions, only 27% of them could get five of them right. If you want to be rich, forget rich.
当FINRA基金会测试超过25,000名美国成年人七个基本的金钱问题时，其中只有27%的人能答对五个。如果你想变得富有，就忘掉富有。
If you just want to have basic financial security, you have to pay yourself first. There's three basic parts to a financial statement. Income statement, balance sheet, statement of cash flow.
如果你只想要基本的财务保障，你必须先付钱给自己。财务报表有三个基本部分。利润表、资产负债表、现金流量表。
You can teach a monkey that, but our schools don't teach that. Understanding how money works decides what you can say yes to, what you get to walk away from, and how much of your life actually belongs to you.
你连猴子都能教会那些，但我们的学校却不教。理解金钱如何运作决定了你能对什么说“是”，你能从什么中抽身离开，以及你生命中究竟有多少真正属于你自己。
Most of us don't speak the language of finance. And I think that's on purpose. I think people in finance do not want you to know the secrets to wealth because that makes it easier for them to keep it.
我们大多数人都不会说金融的语言。我认为这是有意为之。我认为金融界的人不想让你知道致富的秘密，因为这样他们更容易守住财富。
In 1992, Damon John was living with his mom in Queens. He didn't have investors, no degree in business. He had $40 to his name. his mother had taught him how to sew. So, he spent that $40 on fabric and made a few dozen tie top hats.
1992年，戴蒙·约翰和母亲住在皇后区。他没有投资者，没有商业学位。他名下只有40美元。他的母亲教过他如何缝纫。于是，他把那40美元花在了布料上，做了几十顶领带礼帽。
I go to the store, get $40 worth of fabric. I come home, I give my mother the the the stuff the to sew the hats, and she says, "I'm not sewing this. You're sewing this." I crap. Now, I got to work at this.
我去商店，买了价值40美元的布料。我回到家，我把那些缝帽子的材料给了妈妈，她说，“我不缝这个。你自己缝。”我吓坏了。现在，我得做这个了。
I sew the hats and then all of a sudden, I have all these hats and only one head. So, we took them to a street corner and sold every single one of them in a day for $800. That's when I went out and sold those hats in the outside on that Good Friday and I sold $800 of worth of hats in 1 hour.
我缝制了这些帽子，然后突然间，我有了所有这些帽子，却只有一个脑袋。于是，我们把它们带到了一个街角，结果在一天之内全部卖光，卖了800美元。就在那时，我走出去，在户外卖那些帽子，在那个耶稣受难日，我在1小时内卖出了价值800美元的帽子。
The hats worked. So, we expanded into shirts and jerseys. Then I would start going to the black expos where there was like a basic flea market on the road and I would try to sell shirts.
帽子起作用了。所以，我们扩展到了衬衫和球衣。然后我开始去黑人博览会那里路边有个基本的跳蚤市场我会试着卖衬衫。
His mom believed in it enough to mortgage the house they lived in for $100,000. And they turned half the house into a factory. She said, "This is all we have. why don't I go out and I take a loan on the house and you know you manufacture deliver the clothes and put the money back in.
他的妈妈对此深信不疑以至于抵押了他们住的房子，贷款了10万美元。他们把这栋房子的一半改造成了工厂。她说：“这就是我们所有的了。不如我出去，用房子做抵押贷款你负责生产、交付这些衣服然后把钱还回去。
Then he took samples to the Magic Apparel Show in Las Vegas and walked out with $300,000 in orders. I went to the magic trade show the trade show the fashion industry and I I wrote $300,000 worth of order.
然后他带着样品去了拉斯维加斯的魔术服饰展走出来时拿到了30万美元的订单。我去了魔术贸易展那个贸易展，时尚行业的我签下了价值30万美元的订单。
But here's how that business actually works. The stores don't hand you money at the show. They order then they pay you 30 60 90 days after you deliver. Meanwhile, you buy the fabric upfront and you have to pay the people who are sewing it.
但这项业务的实际运作方式是这样的。商店不会在展会上直接给你钱。他们先下单，然后在收货后的30天、60天或90天后付款给你。同时，你得预先购买布料还得付钱给缝制的人。
So Damon had $300,000 of orders and nothing coming in for months. The $100,000 from the house went into the fabric and the and the employees. He got around $75,000 of the orders made and 4 months later that money was gone and the store still hadn't paid him yet.
所以达蒙有30万美元的订单但好几个月都没有进账。卖房子的10万美元投进了布料还有还有员工。他接到了大约75000美元的订单4个月后那笔钱不见了而商店还没有付钱给他。
So he went to a bank, they said no. He went to another bank, they said no. He went to 27 banks and every single one of them turned him down. I went to 27 bank, I got turned down. The orders kept coming in the whole time until he had about a million dollars of them sitting there and he couldn't fulfill them.
于是他去了银行，他们说不。他去了另一家银行，他们说不。他去了27家银行每一家都拒绝了他。我去了27家银行，都被拒绝了。订单一直源源不断地涌来直到他手里积压了大约一百万美元的订单而他却无法完成这些订单。
His mother took what was left of their money and put an ad in the newspaper. It said a million dollars in orders need financing. 33 people called and then mom again comes to the rescue and says I have an idea.
他的母亲拿出他们剩下的钱在报纸上登了一则广告。上面写着：有一百万美元的订单需要融资。33个人打了电话，然后妈妈又来救场了她说我有个主意。
She takes out an ad in the newspaper for says something like million dollars in orders need financing and 33 people call that ad. One of them was a textile division of Samsung who wanted to test the urban market.
她在报纸上登了一则广告上面写着大约百万美元的订单需要融资，然后33个人打了那个广告上的电话。其中一个是三星的纺织部门他们想测试城市市场。
One was Samsung's textile division. They agreed to pay to get his orders made, but they had one condition. He had to do $5 million in sales within 3 years. He did $30 million in 3 months.
其中一个是三星的纺织部门。他们同意付钱让他完成订单，但他们有一个条件。他必须在3年内实现500万美元的销售额。他在3个月内赚了3000万美元。
And by 1998, Fubu was doing over $350 million a year in worldwide sales. Orders aren't money. You can have a lot of sales and still have nothing in your bank account. Now, a lot of people think, "Okay, this doesn't apply to me because I may not have a business or I'm not making enough money yet for any of this to matter."
到1998年，Fubu的全球年销售额超过了3.5亿美元。订单不等于钱。你可能有很多销售额但银行账户里仍然一无所有。现在，很多人认为，“好吧，这对我并不适用，因为我可能没有生意或者我赚的钱还不够多，这些事都无关紧要。”
You're thinking money stuff starts once there's money. But you don't need a business for any of this. If you get paid and you pay bills, you're already making these decisions every month.
你以为钱的事情是从有钱之后才开始的。但你不需要有生意，这些事都与你有关。如果你有收入并支付账单，你每个月已经在做这些决定了。
You're just making them without knowing the rules of money. And it costs you real money. If you're carrying a credit card balance at 20%, that's costing you today whether or not you ever learn about what compound interest is.
你只是在不知道金钱规则的情况下做决定。而这会让你损失真金白银。如果你有信用卡欠款，利率是20%，无论你是否了解复利是什么，它此刻都在让你付出代价。
All progress begins with telling the truth. So here's the truth. You're not bad with money. You were just never taught about it. And you can learn it. So here's how money actually works start to finish.
一切进步都始于说出真相。所以，真相是这样的。你对钱并不在行。你只是从未被教导过它。而你可以学会它。那么，金钱实际上是如何从头到尾运作的。
Money is a skill, not a personality. So you've probably said at some point, "I'm just not a numbers person. Only 27% of adults got five of seven basic money questions right." That's not about who's good with numbers.
理财是一门技能，而不是一种性格。所以你很可能在某个时候说过，“我就是不擅长数字。只有27%的成年人答对了七个基本理财问题中的五个。这无关谁擅长数字。
It's about what nobody actually teaches you. So being leads to doing. If you decide you're the person who understands money, you'll start opening the bank app instead of avoiding it.
而是关于没人真正教过你的东西。所以存在先于行动。如果你认定自己是那个懂钱的人，你就会开始打开银行应用，而不是逃避它。
You'll start reading the statements instead of just the total. You've been waiting until you feel ready to look at your money, it doesn't work that way. It works the other way around.
你会开始阅读账单明细而不只是看总额。你一直在等待自己觉得准备好才去查看你的钱，但事情不是那样运作的。反过来也一样。
You look at it and then it stops being scary every time. So once a week for 20 minutes, you look at three things. What came in, what went out, and what is actually left. That's it.
你看着它，然后它每次就不再那么可怕了。所以每周一次，每次20分钟，你看三样东西。什么进来了，什么出去了，以及实际还剩什么。就这样。
Don't worry yet about budgeting or giant spreadsheets with 400 rows. Just looking on purpose every week until it stops scaring you. And you know when the best time to start is right now.
先别担心预算或者有400行的巨大电子表格。每周刻意去看直到它不再让你害怕。你知道最好的开始时间就是现在。
How about right now? Open the app while I keep talking. The number in there is the number whether you look at it or not. Looking doesn't cost you anything. Learn your three numbers before anything else.
不如就趁现在？我继续说话的时候，打开这个应用。无论你看还是不看，里面的数字就是那个数字。看一眼又不会让你损失什么。在做任何事之前，先了解你的三个数字。
Almost every money disaster comes from mixing up revenue, profit, and cash flow. So revenue is what comes in. Profit is what's left over. And mixing those two up is how somebody with a busy business ends up with a empty bank account.
几乎所有的财务灾难都源于混淆了收入、利润和现金流。收入就是进来的钱。利润是剩下的部分。把这两者混为一谈就是为什么一个生意繁忙的人最终却银行账户空空。
The third one is cash flow. And this is about timing. And this is the one that actually kills a lot of businesses. You can run a profitable business and still go broke because the money you're owed arrives later than the bills you have to pay.
第三个是现金流。而这关乎时机。而这一条实际上会杀死很多企业。你可以经营一家盈利的企业，却仍然破产，因为别人欠你的钱到账的时间比你必须要付的账单更晚。
Let's look at a real example. Let's look at a dance studio. On the year the business was profitable. Looks great. But I pulled in his last three months month by month. October was negative 5,300.
让我们看一个真实的例子。让我们看一家舞蹈工作室。在生意盈利的那一年。看起来不错。但我把他过去三个月的账按月调了出来。十月是负5,300。
November was positive 2500. December was negative 900. So across a quarter he was down 3,700 while believing he was doing fine. His fixed costs were about $20,000 a month before anything else happened.
11月是正2500。12月是负900。所以整个季度他下降了3700却还以为自己做得不错。他的固定成本约为每月2万美元在其他任何事情发生之前。
$11,000 of rent, 2,000 of insurance, instructor pay, software, cleaning. So the only question that matters is how much he has to bring in that month to cover it. $20,000 keeps the door open.
1.1万美元的租金，2000美元的保险，教练工资、软件，清洁。所以唯一重要的问题是他那个月必须赚多少钱才能覆盖这些成本。两万美元能保持大门敞开。
So he set his target at $25,000. So there's something left at the end. Now he's not guessing anymore. He has a number to target. You have that number, too. Whether you're running a company or just your household, add up what has to go out every month, no matter what.
于是他把目标定在了两万五千美元。这样到最后还能剩下一些。现在他不再靠猜了。他有一个目标数字了。你也有那个数字。无论你是在经营一家公司，还是仅仅管理你的家庭，把每个月必须支出的费用加起来，无论如何。
That's the floor. Once you know that, you know exactly what the month has to bring in. And if that number scares you, that's exactly why you need to know what it is. You can't cut a cost that you've never written down.
这就是底线。一旦你知道了这个数，你就确切知道这个月必须赚进多少。如果那个数字让你感到害怕，那正是你需要知道它是多少的原因。你无法削减一项你从未记录下来的成本。
So, put every expense on one page before you decide anything. Then take what's actually in the account and divide that by your monthly floor. So, if you got $30,000 sitting there and you need $10,000 a month, you have three months.
所以，在做任何决定之前，把每一笔开销都列在一页纸上。然后取账户里实际有的钱除以你每月的保底开支。所以，如果你账户里有30000美元，而你每月需要10000美元，你就有三个月。
That's your runway. With runway, you can say no. Without it, you say yes to anything because you need the cash. Somebody with six months of runway can walk away from a bad client. Somebody with three weeks says yes to everything, including the work that's going to make the next three weeks worse for you.
那就是你的跑道。有了跑道，你可以说不。没有它，你对任何事都说好，因为你需要现金。有六个月跑道的人可以转身离开一个糟糕的客户。只有三周跑道的人对一切都说好，包括那些会让接下来三周对你更糟的工作。
If your runway is under three months, that's the number to fix before anything else in this video. Your income problem is usually a price problem. If you want more money and you're an owner, the fastest change isn't cutting your expenses, it's what you charge.
如果你的现金跑道不足三个月，那就是本视频中要优先于其他一切去解决的数字。你的收入问题通常是一个定价问题。如果你想要更多钱，而且你是企业主，最快的改变不是削减开支，而是你的收费。
And I'll show you my own number so this isn't just some theory. So my mastermind is $50,000 a year. My growth strategy coaching program is 15,000 for four months. If somebody can't do that, we have smaller versions that people can join.
而且我会告诉你我自己的数字，所以这不仅仅是理论。所以我的智囊团是每年50,000美元。我的增长战略辅导计划是四个月15,000。如果有些人做不到这一点，我们还有更小规模的版本，人们可以加入。
I said those in that order on purpose. It's called price anchoring. When the first number somebody hears is $50,000 and the 15 sounds reasonable and ones after that sound like a bargain.
我是故意按这个顺序说的。这叫做价格锚定。当某人听到的第一个数字是50,000美元时15听起来很合理，而那些之后的数字听起来就像捡了个便宜。
If I started with the lowest price first, nobody would ever pay me more than that. And when you do raise your price, raise it on the next new client, not the ones you already have.
如果我先从最低价开始，没有人会愿意付我比那更高的价钱。而当你确实要提价时，就在下一个新客户身上提，而不是你已有的那些客户。
You get the new number without a single awkward conversation with existing clients. And you don't get paid for the hours, you get paid for the result. Somebody selling six coaching sessions is selling time.
你拿到新号码无需一次尴尬的对话与现有客户。而且你不是按小时计酬，而是按结果计酬。有人卖六次辅导课程就是在卖时间。
Somebody selling I'm going to add $200,000 to your revenue this year is selling an outcome. And an outcome can be worth 10 times the price of the time. Selling to a smaller number of people at a serious price is also just easier to run.
有人推销的是我今年要给你增加20万美元的收入卖的是一个结果。而一个结果的价值可以是所花时间价格的10倍。向更少的人销售以可观的价格也更容易经营。
Low ticket offers at 50 bucks a month needs thousands of customers, a marketing machine, and a support team. That's real business, but it's a much harder one to build first. Make a list of 50 people.
每月50美元的低价产品需要数千名客户，一台营销机器，以及一个支持团队。那是真正的生意，但作为起步要难得多。列出50个人的名单。
So, here's what I'd do. If I had to rebuild my income starting Monday with no ads and no audience, I'd write down 50 names, not 5,000 followers. 50 specific people who could each spend $50,000 with me in a year or send me three people who will real names, real companies, real people who already have the money and a problem that I know how to solve.
所以，我会这样做。如果我必须从周一开始重建我的收入没有广告，也没有受众，我会写下50个名字，而不是5000个粉丝。50个具体的人，他们每人可以在一年内为我花费5万美元或者给我介绍三个愿意的人，真实姓名，真实的公司，真实的人，他们已经拥有这笔钱以及一个我知道如何解决的问题。
Then I wouldn't pitch a single one of them. I'd start a show and invite them on as a guest. An invite is the easiest yes in business because you're offering somebody 45 minutes to talk about their own work.
那我一个都不会去推销。我会开一档节目，邀请他们来做嘉宾。邀约在商界是最容易得到肯定答复的因为你是在给某人45分钟来谈论他们自己的工作。
You're leading with a give instead of an ask. And after the recording, when the relationship is warm and real, you offer them a second opinion on something they're working on at no cost.
你以给予而不是索取开场。在录制结束之后，当关系变得温暖而真实时，你免费为他们正在做的某件事提供第二意见。
You look at it, you tell them the truth, you give them your actual thinking from your expert opinion. And some of those turn into clients. Some send you three clients each. One of my clients works with home service businesses doing 10 million or more where a normal client is worth $40,000 to $100,000 a year.
你看一看，你告诉他们真相，你从自己的专业角度给出你真实的想法。其中一些人会变成客户。有些人会各自给你带来三个客户。我的一个客户与家政服务企业合作营业额达1000万或更多，而一个普通客户每年价值4万到10万美元。
And one platform level deal is worth a million dollars a year. At that size, you don't need 50 wins. You need two. And if you don't have a business yet, this still works. Write down 50 people who could hire you, who could promote you, or who could hand you the opportunity that changes your entire year.
而一个平台级别的交易每年价值一百万美元。在那种规模下，你不需要50场胜利。你只需要两场。如果你还没有自己的生意，这个方法依然有效。写下50个可能会雇用你的人，可能会提拔你的人，或者可能会把机会交到你手上的人，那个能改变你一整年的机会。
You're not asking any of them for anything upfront. You're making yourself useful to 50 people who could hire you one conversation at a time. Your 50 will look different than mine.
你并不是在一开始就向他们任何一个人索取什么。你在让自己对50个人有用他们可能通过一次次的交谈来雇用你。你的50个人会和我的不同。
Cool. Write it anyway. It's the single highest value document in your business and it cost you an afternoon of work. Start with 10 names tonight. 10 is enough to tell you whether this list is something that can be real or not or whether you've been just guessing about who your customer actually is.
酷。无论如何都要写下来。这是你业务中价值最高的单一文档而你只花了一个下午的工作。今晚就开始列出10个名字。10个就足以告诉你，这个列表是否是真实可行的或者你是否一直在猜测你的客户到底是谁。
Pay yourself like an owner. So, a job pays you, takes a tax, and hands you what's left over. Right? A company earns, pays its costs, and then you choose how the money reaches you. That choice is worth a lot of money.
像所有者一样给自己付薪水。所以，一份工作付给你报酬，扣掉税费，然后把剩下的交给你。对吧？公司赚取收入，支付其成本，然后由你选择资金如何到你手中。这个选择价值不菲。
So in Canada where I am, money left inside a corporation is taxed at roughly 19 to 20%. While a big personal salary can hit at around 50%. So pulling out every dollar the second it comes in is one of the most expensive habits an owner can have.
在我所在的加拿大，留在公司内部的资金税率大约为19%到20%。而高额个人薪资的税率则可能高达50%左右。所以，资金一进账就立刻全部取出，是企业主能养成的最昂贵的习惯之一。
I pay myself a small steady salary so I have a clean personal record for things like the mortgage and the rest stays inside. Working in the business. There are legitimate costs a business can carry too.
我给自己发一份稳定的小额薪水这样我就有干净的个人记录用于房贷之类的事，其余的都留在公司里。在企业工作。企业也可以承担一些合理的成本。
If you work from home, a share of the mortgage interest, the utilities, the internet can be a business expense because that's generally where the work happens. It usually gets worked out by space.
如果你在家工作，一部分房贷利息、水电费、网费都可以算作业务支出因为那通常就是工作发生的地方。通常按面积来计算。
So, if your office is one room out of eight, that's about 12% of your house. So, about 12% of those bills is a business cost. Keep the receipts. Let your accountant run the actual numbers.
所以，如果你的办公室占八个房间中的一个，那大约是你房子的12%。所以，那些账单中大约12%是业务成本。保留收据。让你的会计来核算实际数字。
Your country's rules are going to be different than mine. And I am not your accountant. So, take this to a good one, but go with the right question. Don't walk in asking, "How do I just pay less tax?"
你们国家的规则会和我的不同。而且我不是你的会计师。所以，把这个拿给一个好的会计师，但要带着正确的问题去。不要一进来就问：“我怎么才能少交税？”
walk in asking how to structure what you pay yourself. That's now an owner's question and mindset and it's worth thousands or tens of thousands a Buy your time back. Eliminate, automate, delegate.
一进来就问，如何规划你付给自己的报酬。这现在是老板的问题和心态而且它价值数千或数万a 把你的时间买回来。消除、自动化、委派。
So buying your time back is how you make more money. So do it in this order. Eliminate, automate, delegate. Eliminate first because it's free. So go through your week and find what nobody actually needs.
所以买回你的时间就是你赚更多钱的方式。所以按这个顺序来做。消除，自动化，委派。首先消除，因为它是免费的。所以回顾你的一周，找出实际上没人需要的东西。
So I used to write up minutes after every mastermind meeting. It took me real time. And one day I realized nobody was reading them. Not one person. So I stopped. And what happened?
所以我过去常常在每次智囊团会议后写会议纪要。这花了我很多时间。直到有一天我意识到，根本没人看这些。一个人都没有。所以我停了下来。然后发生了什么？
Nothing happened. Nobody cared. You've got something in your week right now that nobody is reading either. So write down everything that you did last week. The parts that nobody would miss are the parts that you cut out.
什么都没发生。没人在乎。你现在这周有些事情同样没人看。所以把你上周做的所有事情都写下来。没人会想念的部分，就是那些你剪掉的部分。
Automate is second. So anything repeatable that follows the same steps every time should be handled by software or AI instead of you and can be done at 11 p.m. Delegate last and start much smaller than you think.
自动化排在第二位。所以任何可重复、每次都遵循相同步骤的事情都应该由软件或人工智能来处理，而不是你并且可以在晚上11点完成。最后委派，而且起步要比你想的小得多。
You can hire somebody for an hour a day. That that's it. That's how I started. It's cheap enough that it won't hurt you if it goes badly and it teaches you the real skill. The skill isn't hiring.
你可以每天雇一个人一小时。就是这样。我就是这样开始的。它足够便宜，不会让你太受伤，就算搞砸了，也能让你学到真正的技能。真正的技能不是雇人。
It's handing work off and then letting somebody do it their way. So, do it in that order. You'll want to jump straight to delegate. And then you're paying somebody to do work that you should have deleted or should be handed off to automation.
它是在交接工作然后让某人按自己的方式去做。所以，按那个顺序来做。你会想直接跳到委派这一步。然后你在付钱让别人做那些你本该删除的工作或者应该交给自动化处理的工作。
And there's a number underneath all of this that you can actually calculate. Take what you want to earn in a year and then divide it by about 2,000 working hours. So, if you want $200,000, your time is worth roughly $100 an hour.
而这一切背后有一个数字你实际上可以计算出来。拿你一年想赚的钱然后除以大约2000个工作小时。所以，如果你想要20万美元，你的时间大约值每小时100美元。
Now, look at what you filled your last week. If you spent 6 hours on something you could hand off for $25 an hour, you spent $600 of your own time to avoid paying $150. So, you lost $450 and it felt like you were being strategic and careful, then make the rest of it boring.
现在，看看你上周都填了什么。如果你在某个事情上花了6小时而这件事可以以每小时25美元的价格交出去，你就为了省下150美元，花掉了自己价值600美元的时间。所以，你亏了450美元，感觉就像你当时既讲究策略又谨慎，那就让剩下的部分变得无聊。
So, once you're earning money and keeping money, growing it should be the most boring part. For the first 10 years, compounding barely does anything. Then it does almost everything.
所以，一旦你既能赚钱又能存住钱，让它增长应该是最无聊的部分。在最初的10年里，复利几乎起不了什么作用。然后它几乎能做所有事情。
So take $10,000 growing at 5% a year. After 10 years, it's worth about $16,000. Give it 30 years, it's worth $43,000. The $10,000 earned around $6,000 in its first decade and around $27,000 in the last 20 years.
假设有10,000美元，每年增长5%。10年后，它的价值约为16,000美元。给它30年时间，价值43,000美元。这10,000美元在第一个十年赚了约6,000美元而在过去20年里赚了约27,000美元。
The extra 20 years did that, not a bigger return. That's why waiting is so costly. The last 20 years are where the money actually grows. If you wait to start, those are the years that you're giving up.
是额外的20年做到了这一点，而不是更高的回报率。这就是为什么等待的代价如此高昂。最后20年才是财富真正增长的时期。如果你推迟开始，那些年就是你放弃的时光。
put it in an index fund that holds the whole market and just leave it there. You don't have to go and research individual stocks, not because you couldn't learn, but because those hours are hours you're not putting into your own business or career.
把它放进一个持有整个市场的指数基金然后就不要动它。你不需要去研究个股，不是因为你学不会，而是因为那些时间你没有投入到自己的事业或职业中。
And that's what actually changes your income. And leaving it all in cash isn't naturally safe. Prices in America are roughly 22.5% higher than before 2020. So money sitting still has been losing real value this entire time.
而那才是真正改变你收入的东西。而把钱都以现金形式放着，本身并不安全。美国的物价大约比2020年前高出22.5%。所以闲置不动的钱一直在失去实际价值，一直以来都是如此。
One more thing, compounding works against you, too. And it works a lot faster. So, credit card rates are sitting around 20%, and new card offers are often higher than that. Compounding works on debt as well, and at 20%, it grows faster than any investment you're going to own.
还有一点，复利对你不利时也是如此。而且它的作用要快得多。所以，信用卡利率大约在20%左右，而新卡优惠往往比这还要高。复利同样适用于债务，而在20%的利率下，它的增长速度超过你拥有的任何投资。
There is no investment you're going to find that reliably beats paying off a balance at 20%. So, if you have a balance on your credit card, clear it before you invest a dollar. It's the best guaranteed return you'll ever get.
你找不到任何投资能可靠地跑赢以20%利率还清欠款。所以，如果你的信用卡上有欠款，在投资一分钱之前先还清它。这是你能获得的最有保障的回报。
You can learn this faster than you think. Nobody taught you any of this, and it isn't your fault. What you do now, though, is is up to you. Damon John didn't have a finance degree when he took those hats out to that street corner.
你学习这个的速度会比你想的快。没有人教过你这些，这不是你的错。不过，你现在做什么，取决于你自己。达蒙·约翰没有金融学位当他把那些帽子带到那个街角时。
He learned it the hard way. And the worst of it came after the mortgage money ran out with about a million dollars in orders that he just couldn't fill and 27 banks saying no. A bird sitting on a tree isn't afraid of the branch breaking because her trust isn't in the branch, it's in her wings.
他是通过艰难的方式学会的。最糟糕的情况发生在抵押贷款资金耗尽之后带着约一百万美元的订单他却无法完成还有27家银行拒绝了他。一只鸟坐在树上，不害怕树枝断裂因为她的信任不在树枝上，而在她的翅膀上。
So, if you have the ability, then you have the responsibility. And you have the ability. The businesses that actually make people rich are almost never the ones that people brag about at parties.
所以，如果你有能力，你就有责任。而你有这个能力。真正让人致富的生意，几乎从来都不是人们在聚会上吹嘘的那些。
According to the US Small Business Administration, the typical self-employed family in America has a median net worth of $380,000, over four times the $90,000 of a family who only works a regular job.
根据美国小企业管理局的数据，美国典型的自雇家庭净资产中位数为38万美元，是那些只做普通工作的家庭9万美元的四倍多。
So, the boring little business that you'd be too embarrassed to tell your friends about could be the exact thing that changes your entire family tree. So, let me tell you about a guy named Nick Huber.
所以，那个无聊的小生意你可能羞于告诉朋友的那件事，可能正是改变你整个家族命运的东西。那么，让我给你讲讲一个叫尼克·胡贝尔的人。
Nick went to Cornell, one of the best schools in the country. He could have walked into any shiny tech job or startup that he wanted. But instead, while he was still in college, he started a business helping students store their stuff over the summer.
尼克上了康奈尔大学，这是全国最好的学校之一。他本可以进入任何一家光鲜的科技公司或者他想去的初创企业。但相反，当他还在上大学时，他创办了一家企业帮助学生在暑假期间存放他们的物品。
Not glamorous, just picking up boxes and mini fridges and keeping them safe until fall. That little idea grew into a company called Storage Squad. And in 2020, he sold it for $1.65 million.
并不光鲜，只是搬运箱子和小冰箱，并妥善保管到秋天。那个小小的想法发展成了一家名为Storage Squad的公司。然后在2020年，他以165万美元的价格卖掉了它。
But this is where it gets really good. He took what he learned and went all in on the most boring business you can imagine. self storage units, metal boxes in a parking lot that people rent to hold their junk.
但真正精彩的地方还在后面。他把他学到的全都押在了你能想到的最无聊的生意上。自助仓储单元，停车场里的金属箱子人们租来存放自己的杂物。
And today, his company, Bolt Storage, owns around 1.9 million square feet of storage across 62 locations in 11 states. Nick built a fortune out of the kind of business you'd normally drive past without a glance.
而如今，他的公司，Bolt Storage，拥有约190万平方英尺的仓储空间遍布11个州的62个地点。尼克靠一种通常你会开车经过却看都不看一眼的生意发了大财。
And he says it out loud. He started a whole platform called the Sweaty Startup because he believes the Shark Tank and tech world has poisoned people into thinking that you need a genius idea to get rich.
而且他公开这么说。他创办了一个名为“汗水创业”的平台因为他认为《创智赢家》和科技界毒害了人们的思想让他们以为必须有一个天才的点子才能致富。
You don't. You need a real business that solves a real problem and throws off real cash. The unsexier the better because nobody wants to compete with you when everyone else is chasing the same trendy app idea.
你不需要。你需要一个能解决实际问题的真实生意，并且能产生真实的现金流。越不起眼越好，因为没人想和你竞争，当其他人都在追逐同样时髦的应用创意时。
The field is crowded and it's pretty brutal. But how many of your friends are racing to start a storage facility or a bin cleaning route? None. That empty field, that's where the money is.
这个领域竞争激烈，而且相当残酷。但你有多少朋友在争先恐后地开仓储设施或者做垃圾桶清洁路线？一个都没有。那片空白的领域，就是财富所在之处。
Your purpose comes to your pain. And Nick's whole message is that the unglamorous grind everyone avoids is exactly where the wealth has been hiding for you the whole time. He could have chased status.
你的使命源自你的痛苦。而尼克传达的完整信息是那就是所有人都避之不及的枯燥苦干恰恰正是财富一直藏身的地方对你而言，一直都在那里。他本可以追逐地位。
He chose cash flow and cash flow is what ultimately set him free. Now, here's what you might be thinking. Those businesses sound boring and you didn't dream about cleaning gutters or scooping dog poop when you imagine being successful.
他选择了现金流，而现金流正是最终让他获得自由的东西。现在，你可能会这样想。那些生意听起来很无聊，你梦想的并不是清理排水沟或铲狗屎，当你想象自己成功的时候。
And I get it. But that feeling is exactly why these businesses become so profitable. The reason nobody starts them is the reason they pay so well. When a job sounds unglamorous, the competition, it goes away.
我理解。但正是这种感觉让这些生意变得如此赚钱。没人愿意接这些活的原因，正是它们报酬丰厚的原因。当一份工作听起来不体面时，竞争就会消失。
It vanishes. Disappears. The customers can't shop you around and you get to charge what you're worth. Rich people don't chase what looks impressive. They chase what puts cash in their pocket every single month.
它消失得无影无踪。消失。客户就无法拿你货比三家，而你可以按自己的价值收费。富人不追逐看起来光鲜的东西。他们追逐的是每个月能让自己口袋里进钱的东西。
And a lot of these you can start for a few hundred dollars on the weekend while you keep your current job if that's your situation. So let go of the idea that your business has to look cool.
其中很多你只需几百美元就能在周末开始做，同时保留你当前的工作，如果那是你的情况的话。所以，放下你的生意必须看起来很酷这个想法吧。
It has to work. Let me show you exactly what I mean. The boxes and machines that pay you while you sleep. Start with the businesses that basically run themselves once they're set up.
它必须有效。让我确切地展示我的意思。那些在你睡觉时还能为你赚钱的盒子和机器。从那些基本上一旦建立起来就能自行运营的生意开始。
Self storage like Nick Hubert build runs at 30 to 45% profit margins with an average occupancy rate of around 92% across the country. People pay every month and mostly forget that they're paying.
像尼克·休伯特建立的自助仓储利润率在30%到45%之间平均入住率全国大约为92%。人们每月付款，大多都忘了自己还在付钱。
Then there are mats. A guy named Dave Mens bought a beat up struggling laundromat on Craigslist for $85,000. Everybody thought he was crazy. Today his company Laundry runs four locations in Cincinnati with 250 machines and brings in well over $1.8 million a year at close to 40% margins.
然后还有垫子。一个叫戴夫·门斯的人在Craigslist上花了85,000美元买下了一家破败不堪、惨淡经营的洗衣店。大家都觉得他疯了。如今他的公司Laundry在辛辛那提经营着四家门店拥有250台机器，年收入远超180万美元，利润率接近40%。
A single machine can make you around $90,000 a year. And then there's vending. Adam Hill started Hill Vending by himself with zero experience in 2014. He now runs over a 100 machines across more than 40 locations, pulls in about $700,000 a year, and does it work roughly two days a week.
一台机器每年就能为你带来约9万美元的收入。此外还有自动售货业务。亚当·希尔独自创办了希尔自动售货公司2014年时他毫无经验。他现在在40多个地点经营着100多台机器，年收入约70万美元，而每周大约只工作两天。
Two days a week. ATM roots are another one worth a serious look. Here you place cash machines in busy shops and bars, and you collect a small free on every withdrawal. A single wellplaced machine can bring in $300 to $500 a month for almost no work.
每周两天。ATM机业务是另一个值得认真考虑的选择。你在繁忙的商店和酒吧里放置取款机，然后从每笔取款中收取少量手续费。一台位置好的机器每月可以带来300到500美元的收入，几乎不需要什么工作。
And you can start with just a few machines and grow from there. These businesses share one beautiful trait. The machine does a selling. You're not trading every hour for a dollar. You set it up, you service it, and it keeps ringing that register while you're at your kids soccer game.
你可以从几台机器开始，然后逐步扩大。这些企业都有一个共同的美好特点。机器负责销售。你不是在每小时换一美元。你把它搭建起来，你维护它，它就会持续敲响收银机而你正在看孩子的足球比赛。
That's the difference between a job and an asset. And these are the assets you can actually afford to buy. You don't need to invent anything. You just need to own the box, plug it into the spot where people are already spending money, and let it do the work for years.
这就是工作和资产之间的区别。而这些是你真正买得起的资产。你不需要发明任何东西。你只需要拥有这个盒子，把它插到人们已经在花钱的地方，然后让它为你工作多年。
The recurring money routes nobody talks about. The real magic word in business is recurring. It means the customers pay you again and again without you having to sell them again and again.
没人谈论的循环收入途径。商业中真正的魔法词是循环。这意味着客户会再次向你付款一次又一次，而无需你反复向他们推销。
So look for the boring jobs people need done on a schedule forever. Trash bin cleaning is a perfect example. You show up after trash day with a hot water rig and sanitize people's disgusting garbage cans.
所以寻找人们需要完成的枯燥工作永远按计划进行。垃圾桶清洁就是一个完美的例子。你在垃圾日之后带着热水设备出现并消毒人们恶心的垃圾桶。
You can start it for as little as $400 to $800. charge $25 to $35 a month per household and run 35 to 50% profit margins. One operator running a tight route of 35 stops a day can pull in over $1,000 in a single day.
只需400到800美元就能启动。每户每月收费25到35美元并实现35%到50%的利润率。一个操作员每天跑35个站点的紧凑路线就能收入单日超过1000美元。
Pet waste removal is the same story just with dog yards. Startup costs under $2,000 for a solo operator. You charge 85 to 150 a month per yard to scoop. And if you do the work yourself, margins run 70 to 80%.
宠物粪便清理也是同样的道理，只是换成狗狗院子而已。单人运营的启动成本不到2000美元。每个院子每月收费85到150美元来铲屎。如果你自己做，利润率可达70%到80%。
There are companies doing millions a years picking up dog poop. Draft beer line cleaning is another one that could be awesome. Every bar has to clean its beer lines every couple of weeks or the beer tastes terrible.
有些公司年入数百万靠捡狗屎。生啤管道清洗是另一个可能很棒的行当。每家酒吧每隔几周都得清洗一次啤酒管道否则啤酒味道会很糟糕。
So, you show up on a schedule and you charge a flat fee per visit. 35 to 50% margins. Junk removal belongs here, too. People always have a garage, a basement, an estate full of stuff they need gone and they pay $150 to $600 a load to just make it disappear.
所以，你按计划上门服务，每次收取固定费用。利润率为35%到50%。垃圾清理也属于这里。人们总是有一个车库，一个地下室，一处堆满他们需要处理掉的东西的房产，他们愿意支付每车150到600美元，只为让这些东西消失。
You can start with a truck and a strong back, right, and scale into multiple crews. Add in pressure washing where you blast the grime off driveways and decks and house sidings for a few hundred a job with margins over 50%.
你可以从一辆卡车和一副强健的背开始，对，然后扩展到多个团队。加入高压清洗用高压水枪冲掉车道上的污垢以及露台和房屋外墙，每单赚几百美元利润率超过50%。
And you've got another simple route business. See the pattern? None of these are one-time jobs. You lend the customer once and they pay you month after month, year after year. That's how you build income that shows up even if you don't.
你就又有了一个简单的路线生意。看出规律了吗？这些都不是一次性工作。你借钱给客户一次，他们就会月复一月地还钱给你，年复一年。这样你就能建立即使你不工作也会出现的收入。
The ick factor businesses that print money. So here's a rule that will make you rich. The more disgusting or uncomfortable the job, the fewer people will do it and the more you get the charge.
令人作呕却能赚钱的生意。这里有一条能让你致富的法则。工作越恶心或越不舒服，愿意做的人就越少，你能收取的费用就越高。
Grave care is a beautiful example. Families move away and can't tend to their loved ones headstones and cemeteries only mow the grass. So you clean and maintain grave sites. You can start for $300 to $10,000, charge $100 to $300 per cleaning, and because your material cost is almost nothing, margins run 60 to 80%.
墓地维护是一个美好的例子。家属搬走后无法照看亲人的墓碑而墓地只负责割草。所以你来清理和维护墓地。你可以从300美元到10000美元起步，每次清洁收费100到300美元，而且因为你的材料成本几乎为零，利润率高达60%到80%。
Luxury restroom trailers are another one. Nobody wants to rent a nasty plastic portaotty at a wedding. So, high-end mobile bathrooms rent for $1,200 to $2,000 per event at 40 to 50% profit margins.
豪华移动厕所拖车是另一个选择。没人想在婚礼上租一个肮脏的塑料移动厕所。所以，高端移动卫生间每场活动的租金为1200至2000美元利润率在40%到50%。
A small fleet in a growing city can throw off a quarter million a year in owner's cash flow. Even something as simple as drier vent cleaning fits here. Clogged dryer vents are leading cause of house fires.
在一个不断发展的城市里，拥有一支小型车队每年可以为车主带来25万美元的现金流。甚至像烘干机通风口清洁这样简单的事情也符合这个条件。烘干机通风管堵塞是家庭火灾的主要原因。
So, homeowners and apartment managers pay $100 to $300 for a job that takes under an hour and margins are north of 60%. Portable toilet rentals for construction sites work the same way.
因此，房主和公寓管理员会花100到300美元请人做一份工作，这份工作不到一小时就能完成，利润率超过60%。建筑工地的便携式厕所租赁也是同样的道理。
It's not pretty, but every job site needs them. They rent by the month and one route can throw off serious recurring money. The thing that they all have in common is they make people a little uncomfortable to think about.
虽然不太好看，但每个工地都需要它们。它们按月出租，一条路线就能带来可观的持续收入。它们的共同点是，让人一想到就觉得有点不舒服。
That discomfort is your profit margin. While everyone else is fighting over the pretty businesses, you get a quiet lane all to yourself where you can charge your premium and barely have any competition.
那种不适感就是你的利润空间。当其他人都在争抢那些光鲜的生意时，你独享一条安静的赛道在那里你可以收取溢价而且几乎没有竞争。
The businesses the law forces customers to buy. Now, this is one of the strongest kind of born businesses of all, the ones that the law requires. So when a customer is legally required to hire you, you never have to convince them.
法律迫使客户购买的那些生意。这是所有天然生意中最强大的一种，法律要求的那种。所以当客户被法律要求必须雇用你时，你永远不需要说服他们。
So take commercial kitchen exhaust hood cleaning. Fire codes force every restaurant, every school, every hospital kitchen to deep clean their exhaust systems on a schedule or they get shut down.
就拿商用厨房排油烟罩清洗来说吧。消防法规强制每家餐厅，每所学校，每家医院的厨房必须按计划深度清洁其排风系统否则就会被关停。
So you work overnight when the kitchen is closed, charge $500 to $2,000 a job, run 40 to 60% margins. A solo operator with one helper can bring in 10 to $30,000 a month. Chimney sweeping is the same.
所以你在厨房关闭的夜间工作，每单收费500到2000美元，利润率达到40%到60%。一个单干的经营者带一个帮手每月能赚1万到3万美元。烟囱清扫也是一样。
Safety codes call for annual inspections of anything that burns wood. So, it's steady repeat business at $120 to $390 a sweep. And it's so reliable that big investors are now buying up chimney companies.
安全规范要求每年检查任何燃烧木材的设备。所以，这是一项稳定的重复业务，每次清扫收费120到390美元。而且它非常可靠以至于大投资者现在都在收购烟囱公司。
That's not a joke. There are private equity firms rolling up chimney sweeps. Commercial fire inspection, backflow testing on water systems, drier vent cleaning in apartment buildings.
这不是开玩笑。有私募股权公司在整合烟囱清扫服务。商业消防检查，供水系统回流测试，公寓楼烘干机通风口清洁。
All of it is driven by rules that never go away. The customer isn't buying because they want to. They're buying because they have to, and that makes your income about as stable as it gets.
这一切都由永远不会消失的规则驱动。客户购买并非出于自愿。他们购买是因为不得不买，这让你的收入尽可能地稳定。
So, you're not at the mercy of trends or the economy or an algorithm or whatever is popular this year. You're writing on a rule that isn't going anywhere. And rules like these usually get stricter over time, not looser.
所以，你不受趋势摆布，也不受经济或算法左右，更不受今年流行什么的影响。你依据的是一条不会消失的规则来写作。而这类规定通常会随着时间推移变得越来越严格，而不是越来越宽松。
That means your customer list only grows. Once you become the reliable person a building manager can call, you often keep the account for years, and they refer you to every other manager that they know if you do a good
这意味着你的客户名单只会不断增长。一旦你成为那个可靠的人大楼管理员可以随时联系你，你往往能多年留住这个客户，而且如果你做得好他们还会把你推荐给他们认识的每一位其他管理员。
The skilled trades you can run out of a van. You don't need a storefront as well to get rich. Some of the best boring businesses fit in the back of a van and go straight to the customer's driveway.
你可以靠一辆面包车开展技术工种业务。你不需要一个店面也能致富。一些最好的无聊生意可以装在货车后部，直接开到客户的车道上。
Asphalt seal coating is a great one. So, driveways and parking lots need to be resealed every couple of years. And you can start with a basic setup for under $3,300. Pros charge 100 to 250 an hour, run 40 to 60% margins, and a single parking lot and pay for your whole starter kit.
沥青封层就是一个很好的例子。因此，车道和停车场需要重新密封每几年一次。你可以用不到3300美元的基础配置开始。专业人士每小时收费100到250美元，利润率在40%到60%，而一个停车场就能回本你的整套启动工具。
Mobile auto glass paired with mobile sensor calibration is another. When someone cracks a windshield today, replacing it and recalibrating the car's cameras runs 800 to$1,500 a job.
移动式汽车玻璃服务配合移动式传感器校准是另一种。如今当有人挡风玻璃破裂时，更换玻璃并重新校准车辆的摄像头每单收费800到1500美元。
And one mobile technician can do 150 to $200,000 a year. Mobile car detailing is another easy one. You bring the soap, the water, vacuum right to someone's driveway and hand back a car that looks brand new, charging $1500, $300 a vehicle with very little overhead.
而一名移动技师一年能完成15万到20万美元的业务。移动汽车美容是另一个简单的选择。你带上肥皂，水和吸尘器直接到别人的车道上然后交还一辆看起来全新的车，每辆车收费1500美元、300美元，几乎没有间接费用。
Even mobile bike repair, fixing bikes in people's driveways can hit six figures in year one because you skip the expensive shop rent that everyone else is paying. So notice what all these have in common.
甚至移动自行车维修，在别人的车道上修理自行车第一年就能达到六位数收入因为你省去了昂贵的店铺租金而其他人都在支付这笔费用。所以注意这些都有什么共同点。
The customer stays home. You come to them. And that convenience alone lets you charge more than the guy with the fixed location. So the lesson here is pretty simple. A skill plus a van plus a phone number beats a fancy office every time.
客户待在家里。你去找他们。而仅凭这种便利性，你就能比那个守着固定店面的人收费更高。所以这里的道理很简单。一项技能加一辆面包车加一个电话号码每次都胜过一间豪华办公室。
Your customers don't care where you're based. They care that you show up, that you did the work, and you made their problem go away. Deliver that and you'll never run out of people who are willing to pay you.
你的客户不在乎你在哪里。他们在乎的是你出现了，你做了该做的工作，并且你让他们的麻烦消失了。做到这一点，你就永远不会缺少愿意付钱给你的人。
The businesses you can start from your kitchen table. So, not every boring business needs a van or a machine. Some of the best ones you can run from a laptop with almost no money down.
你可以在厨房餐桌上创业的业务。所以，并不是每个无聊的生意都需要货车或机器。其中一些最好的生意，你只需一台笔记本电脑就能运营，而且几乎无需前期投入。
Virtual bookkeeping is a quiet giant here. Every business on Earth needs clean books. Most owners hate doing the books and good bookkeepers are in short supply. You can learn the software, charge businesses a monthly retainer, and stack up recurring clients from your spare room.
虚拟簿记在这里是一个安静的巨人。地球上的每家企业都需要干净的账本。大多数老板讨厌做账而优秀的簿记员供不应求。你可以学习这款软件，向企业收取月度服务费，并在你的空闲房间里积累稳定的客户。
Accounting firms are so desperate for reliable help that they'll pay a premium for it. Commercial cleaning is another one that you can start lean. Just you and a vacuum cleaning offices at night when everyone else has gone home.
会计事务所非常急需可靠的人手，以至于他们愿意为此支付高额费用。商业清洁是另一个可以低成本起步的行业。只有你和一个吸尘器在夜里打扫办公室当其他人都已经回家时。
Small operators run at healthy margins doing 50 to $60,000 a month before they even hire a team. And here's when it's built for right now. Inhome senior tech support. Older people are getting left behind by phones and apps and passwords and their families live too far away to help.
小型经营者以健康的利润率运营每月赚5万到6万美元在他们甚至还没雇团队之前。而这就是它专为当下打造的时候。居家老年人科技支持。老年人正被手机和各种应用、密码以及住得太远无法帮忙的家人抛在后面。
You go to their home. You patiently set things up for them. You answer their questions and teach them charging around $75 an hour. You can start it for under $1,000. The point is, if you've got a skill and a little bit of patience, you can begin with almost no money at all.
你上门去帮助他们。你耐心地为他们做好安排。你回答他们的问题并以每小时约75美元的价格教他们。你可以用不到1000美元启动它。关键在于，如果你有一技之长和一点耐心，你几乎可以在没有任何资金的情况下起步。
The one thing you truly need is just your first customer. Land one, do incredible work, ask them who else they know, and let that snowball effect carry you. How the smart ones turn boring into a future.
你真正需要的只是你的第一位客户。拿下一位客户，做出令人惊叹的工作，问他们还认识谁，然后让这种滚雪球效应带你前进。聪明人如何将无聊变成未来。
So, here's the final piece, and it's how the truly wealthy play the game. It's not enough to run one boring business. The real money comes from owning them and then combining them.
所以，这是最后一块拼图，而这正是真正的富人玩转游戏的方式。只经营一门无聊的生意是不够的。真正的财富来自于拥有它们然后将它们结合起来。
So, a single small business like an accounting firm or a chimney company might sell for around five to seven times its yearly profit. But if you buy up 30 or 40 of them, put them under one name, one back office, one system, the whole bundle can sell for 13 times profit or more.
所以，像会计师事务所这样的单一小企业或者烟囱公司可能售价约为其年利润的五到七倍。但如果你买下30或40家这样的公司，将它们归于一个品牌之下，一个后台，一套系统，整个打包可以卖到利润的13倍或更多。
Same businesses, but worth almost double just because you organize them together. Big investors will pay a premium because they'd rather write one big check than chase 40 of these small ones.
同样的业务，但价值几乎翻倍，仅仅是因为你把它们整合在一起。大投资者愿意支付溢价因为他们宁愿开一张大额支票也不愿去追逐40个这样的小项目。
And that gap, buying at six times profit and selling at 13 times is where generational wealth gets made. And it's happening right now in the most boring industries you can name. Plumbing, HVAC, pest control, landscaping, chimney sweeps.
而那个差价，以6倍利润买入，以13倍卖出正是世代财富被创造出来的地方。而这正在发生在你所能想到的最无聊的行业里。管道、暖通空调、害虫防治、园林绿化、烟囱清扫。
So think bigger than a job that you own. Start one boring business, get it running without you, then buy or start another and another. And each one is a building block. Being leads to doing here.
所以，眼光要放远，不要只满足于拥有一份工作。开始一项无聊的生意，让它无需你也能运转，然后再买下或开始另一项，再来一项。而每一个都是一块基石。在这里，存在先于行动。
So the day you start thinking like an owner instead of an operator is the day that the whole game starts to change for you. You don't have to do all of this at once. You just have to start with one.
所以，当你开始像主人一样思考而不是像操作员一样思考的那一天就是你整个游戏开始为你改变的那一天。你不必一次性做完所有这些。你只需要从一件事开始。
Prove that it works and let it teach you the rest. That's a great start and it's within reach for you starting this week. Your unfair advantage. So, the businesses I just walked you through, they're not going to impress anybody at a dinner partner.
证明它有效，然后让它教你其余的。这是一个很好的开始而且从这周开始你就可以做到。你的不公平优势。所以，我刚才带你了解的那些生意，在饭局上不会让任何人印象深刻。
That's the point. While everyone else is chasing the shiny new idea, you can steadily build real cash flow with your laundromat, your van, or a route that nobody else wants. You don't need to be a genius.
这正是关键所在。当其他人都在追逐光鲜亮丽的新点子时，你可以用你的自助洗衣店、你的货车，或者一条没人愿意跑的路线，稳稳地建立起真正的现金流。你不需要是个天才。
You just need to be willing to do the boring but valuable work that other people are too proud to do. Ready isn't real. So don't wait around to feel ready. Pick one. Start small today and let it grow.
你只需要愿意去做那些枯燥但有价值的工作，那些别人不屑于做的事。准备好并不真实。所以不要等着感觉准备好了。选一个。今天从小处开始，让它成长。
You will never build real freedom from a salary alone. You're not going to get rich renting out your time. You must own equity, a piece of a business to gain your financial freedom.
仅靠工资你永远无法建立真正的自由。出租你的时间不会让你致富。你必须拥有股权，一份生意的一部分，才能获得财务自由。
Profits are better than wages. Wages make you a living, which is fine. profits make you a fortune, which is super fun. Gallup found that only 31% of American workers are actually engaged at their jobs, the lowest level in over a decade.
利润比工资更好。工资让你谋生，这也不错。利润让你发财，这超级有趣。盖洛普发现，只有31%的美国员工实际上对自己的工作投入，这是十多年来的最低水平。
This is about more than money. It's about whether you spend your one life building a machine that pays you or renting out your best hours to build a machine for someone else. Let me tell you about a man who figured this out as a teenager with almost no money in his pocket.
这不仅仅关乎金钱。这关乎你是用自己唯一的一生去建造一台机器让它为你赚钱，还是出租你最好的时光去为别人建造一台机器。让我给你讲一个人的故事他在十几岁时就想明白了这一点，口袋里几乎没什么钱。
His name was Fred Duca. Back in 1965, Fred was just 17 years old and stressed about how he was going to pay for college. He wanted to become a doctor. But the money wasn't there. He didn't have it.
他的名字叫弗雷德·杜卡。早在1965年，弗雷德只有17岁，并为如何支付大学学费而倍感压力。他想成为一名医生。但钱不够。他没有钱。
So, at a backyard barbecue, a family friend named Pete handed him an idea and $1,000 loan. Open a sandwich shop. That summer, Fred opened one tiny sandwich shop in Bridgeport, Connecticut.
所以，在一次后院烧烤上，一位名叫皮特的家庭朋友给了他一个想法和1000美元的贷款。开一家三明治店。那年夏天，弗雷德开了一家小小的三明治店在布里奇波特，康涅狄格州。
It was not glamorous, and that first shop barely made any money. But Fred didn't want to just run a sandwich shop for the rest of his life. He wanted to understand the system behind it so he could repeat it.
这并不光鲜，而那第一家店几乎没赚到什么钱。但弗雷德不想只是经营一家三明治店度过余生。他想理解这背后的系统以便能够复制它。
He got obsessed with the process. How to make the sandwich fast, how to run the store lean, how to teach a total stranger to do it exactly the same way he did. And once he had a system that actually worked.
他痴迷于这个过程。如何快速制作三明治，如何精简地经营店铺，如何教一个完全陌生的人去做完全按照他以前的方式。而一旦他拥有了一套真正有效的系统。
He did something incredible. He didn't open store number two by himself. He taught other people to run his system and let them open the stores so the whole thing could grow without Fred standing behind every single counter.
他做了一件了不起的事。他不是靠自己开了第二家店。他教别人运营他的体系并让他们去开店这样整个事业就能发展壮大而不用弗雷德亲自站在每一个柜台后面。
That one idea, turning a shop into a repeatable system other people could run, grew Subway into more than 40,000 locations around the world. Fred Duca started with a $1,000 loan and one little store and built a machine that paid him whether or not he ever made another sandwich himself.
那一个想法，把一家店变成一个可复制的系统，其他人也能运营，让赛百味发展成为全球超过4万家门店。弗雷德·杜卡从1000美元贷款起步，靠一家小店打造出一台机器，无论他是否再亲手做一个三明治，这台机器都能为他赚钱。
He didn't get rich from a salary or from working more hours than everyone else. He got rich by building a system that other people could run and then owning it. Now, you might be thinking, "Okay, that's great for Fred Duca, but you can't exactly go build a 40,000 store empire from your kitchen table.
他并非靠薪水致富，也不是靠比所有人都工作更长时间。他通过建立一个别人可以运营的系统而致富然后拥有它。现在，你可能会想，“好吧，这对弗雷德·杜卡来说很棒，但你不可能真的从你的厨房餐桌上建立起一个拥有4万家门店的帝国。
You've got a schedule, a boss, a job. So, how does any of this help you on a random Tuesday morning?" The system isn't about a fast food chain. A system is just any repeatable way of producing income that doesn't depend on you showing up every hour to trade your time for money.
你有日程安排，有老板，有工作。那么，这一切在一个普通的周二早晨对你有什么帮助呢？这个系统并不是关于快餐连锁店的。系统只是一种可重复产生收入的方式它不依赖于你每小时出现，用你的时间换取金钱。
It can be small. It can start on the side at night with almost no money. The point isn't to build a 40,000 store empire tomorrow. The point is to stop thinking like someone who only earns when they clock in and start thinking like someone who's building something on the side that earns on its own.
它可以是小规模的。它可以晚上从副业开始，几乎不需要什么钱。重点不是明天就建立一个四万家门店的帝国。重点是停止像那种只有打卡上班才有收入的人那样思考，并开始像那种在副业中打造某种东西的人那样思考，让这个东西自己赚钱。
So you don't need permission to do this. You don't need to feel ready. Let me show you exactly how to start thinking in systems instead of salaries. Be a killer at one thing before you chase 10.
所以你不需要获得许可就能做这件事。你不需要感到准备好了。让我来向你展示如何开始用系统思维思考而不是薪水。在追逐10件事之前，先成为一件事的高手。
So I need to warn you about something because the internet is full of bad advice on this. You've probably heard that rich people have seven streams of income. So, you go and try to create all seven things at once.
所以我需要警告你一件事因为网上关于这件事充满了糟糕的建议。你可能听说过富人有七种收入来源。所以，你去尝试一次性创建所有七样东西。
A little store here, some crypto there, a bit of drop shipping, a side gig, and you spread yourself so thin that every single one of them stays small. That's the fastest way to burn out and end up with nothing.
这里开个小店，那里搞点加密货币，再做点代发货，搞个副业，你把自己摊得太薄，以至于每一个都做不大。这是最快耗尽自己、最终一无所有的办法。
Here's what actually works. The path to real wealth, especially in the beginning, is not using multiple streams. It's being an absolute killer at one thing. Pick one skill, one business, one problem that you can solve better than almost anyone else.
以下是真正有效的方法。通往真正财富的道路，尤其是在起步阶段，并不是利用多种收入来源。而是在一件事上做到绝对的顶尖。选择一个技能，一个行业，一个你能比几乎任何人都解决得更好的问题。
and pour everything into it until it's genuinely great. Depth beats scatter every single time. When you try a bunch of things that you don't understand and you do them all badly, the market can smell it and you won't make any money.
然后倾注一切直到它真正卓越。深度永远胜过分散。当你尝试一堆你不懂的事情而且全都做得很糟糕时，市场能嗅到这一点，你就赚不到任何钱。
Fred Duca didn't run seven different kinds of businesses. He ran one sandwich shop and he became obsessed with getting that single system perfect. The exact way to build a sandwich, how fast the line moved, how to train a brand new person to do it the same way every time.
弗雷德·杜卡并没有经营七种不同的生意。他只经营一家三明治店，并痴迷于让那单一的系统变得完美。制作三明治的精确方法，队伍前进的速度有多快，如何培训一个全新的人每次都按同样的方式来做。
He drilled that one thing until it was flawless. And only then did he multiply it. That's the order that works. Master one thing, then systemize it, then scale it. The multiple streams comes later.
他把那一件事反复练习，直到完美无缺。只有到那时，他才将其复制推广。这就是有效的顺序。掌握一件事，然后将其系统化，再将其规模化。多元收入流是后来才出现的。
And when they come, they'll mostly flow out of that one thing that you mastered first. So stop trying to do 10 mediocre things at once. Build one boat that actually floats and make it the best boat on the water.
当它们到来时，它们大多会从那一件事中流出那件你最先掌握的事。所以，不要试图同时做10件平庸的事。造一艘真正能浮起来的船并让它成为水面上最好的船。
Here's a simple test to find your one thing. What can you do that people already come to you for? What do your friends ask you for help with? What could you happily work on at 11 at night and not notice a time?
这里有一个简单的测试来找到你的那一件事。你能做什么人们已经来找你的事情？你的朋友找你帮忙做什么？你晚上11点还能愉快地做什么而且注意不到时间？
That intersection, the thing that you're good at and drawn to and that other people will pay you for is where you start to you plant your flag. Then commit to it for real, not just for one weekend.
那个交集，你擅长的事并且被吸引，而别人愿意付钱给你的事就是你要起步、插上自己旗帜的地方。然后就真正投入进去，而不只是干一个周末。
Give it a year of full focus before you ever think about starting the second thing. Almost everyone quits their one thing right before it was about to work and they jump to a new shiny idea and start the clock over again from zero.
给它一整年的专注在你考虑开始之前第二件事。几乎所有人都在自己唯一的事情即将成功时放弃，然后跳到一个新的闪亮想法上然后让时钟从零重新开始。
Don't restart the clock. Stack your years on one thing and let it compound. Turn yourself into a system, then step out of it. So, right now, if you own a small business or you're self-employed, there's a good chance that you don't really own a business.
不要让时钟重新开始。把你的岁月叠加在一件事上，让它产生复利。把自己变成一个系统，然后从中抽身。所以，现在，如果你拥有一家小企业，或者你是自雇人士，很有可能你并没有真正拥有一家企业。
You own a job that you can never quit because the whole thing lives inside, you know, right here, lives inside your head and stops the second that you stop. That's not freedom. That you've just built yourself a job.
你拥有一个永远无法辞掉的工作，因为整件事就存在于你知道，就在这里，存在于你的脑海里，你一停下它就立刻停止。那不是自由。那只是你给自己打造了一份工作。
You have your own form of prison. The fix is to turn what you do into a system that exists outside of you. So, you start by writing down every single thing that you do to make money step by step.
你有你自己形式的牢笼。解决办法是将你所做的事情变成一个系统，一个存在于你自身之外的系统。所以，你首先要写下每一件你为了赚钱而做的事情，一步一步地。
Like you're writing instructions for a complete stranger. How do you find a customer? How do you talk to them? How do you actually deliver the work? How do you get paid? It's boring, but it's powerful because the moment that it's written down, it stops being just you and it starts becoming a process.
就像你在为一个完全陌生的人写说明一样。你如何找到客户？你如何与他们交谈？你实际上如何交付工作？你如何获得报酬？这很无聊，但很强大因为一旦它被写下来，它就不再只是你，而是开始变成一个流程。
And a process can be taught, can be improved, can be handed off to somebody else, can be repeated without you. This is exactly what Fred Duca did with Subway. He didn't just hope that each new shop would turn out okay, right?
而流程是可以传授的，可以改进，可以交给别人，可以在没有你的情况下重复进行。这正是弗雷德·杜卡在赛百味所做的。他并非只是寄希望于每家新店都能顺利经营，对吧？
He built a simple, repeatable system for making the sandwich and running the store so that someone brand new could open a location and get the same result that he got in his first one.
他建立了一个简单的、可复制的系统来制作三明治并经营店铺这样全新的人也能开一家分店并得到和他在第一家店一样的结果。
He removed himself from the outcome by building a system that carried the standard for him through every store. You can do the same thing just at your scale, right? Once the process is on paper, you could train someone to run a part of it, then another part.
他通过建立一个系统将自己从结果中抽离出来这个系统为他在每家店都维持了标准。你也可以在自己的规模上做同样的事，对吧？一旦流程被写在纸上，你就可以培训某人来运行其中的一部分，然后再培训另一部分。
Every piece that you successfully hand off buys you back a little bit more of your time and your life. The goal that you're aiming at is simple and it's, I think, pretty huge. Build the thing so well that it can run without you because a business that can run without you is an asset and a business that can't is just an extra stressful job that has your name on it, right?
你成功交接出去的每一部分都会为你换回一点更多的时间和生命。你所瞄准的目标很简单，而且，我认为，相当宏大。把这个东西做得足够好，好到没有你也能运转因为一个没有你也能运转的生意是一项资产而一个做不到这一点的生意只是一个额外的、压力山大的工作上面还挂着你的名字，对吧？
So, start with the task that you do most often, the one that eats your biggest chunk of your week. Write down exactly how you do it every step. And then the next time it comes up, follow your own instructions and fix anything that's unclear.
所以，从你最常做的任务开始，那个占据你一周最大块时间的任务。把你每一步具体怎么做都写下来。然后下次它出现时，遵循你自己的指示并修正任何不清楚的地方。
Do that a few times and you'll have a actual playbook, not just some idea that lives in your head. Then find the one task you hate most or waste the best hours and make that the first thing you train someone else to handle using your playbook.
这样做几次，你就会有一套真正的行动手册，而不仅仅是你脑子里的一些想法。然后找出你最讨厌的一项任务或者最浪费你黄金时间的任务并把它作为你训练别人使用你的行动手册处理的第一件事。
You don't have to hire a full-time employee to start. It can be a few hours a week from one person. What matters is that you prove to yourself the work can't happen without your hands on everything.
你不必为了开始而雇用一名全职员工。每周从一个人那里抽出几个小时就可以。重要的是你要向自己证明这项工作无法进行如果你不事事亲力亲为。
Once you feel that for the first time, you get hooked because you just watched your income keep moving while you stepped a little bit away. And that feeling is the whole point of building a system.
一旦你第一次感受到，你就会上瘾，因为你刚刚看着自己的收入持续增长而你稍微抽身远离了一些。这种感觉正是建立系统的全部意义所在。
Stop being an employee of your own money. This one is more of a mindset shift and it just starts to change how you see the the whole game. You stop thinking like a person who gets a paycheck and you start thinking like a corporation, like an owner.
别再成为你自己金钱的雇员。这更多是一种心态的转变它会开始改变你看待整个游戏的方式。你不再像领薪水的人那样思考而是开始像一家公司那样思考，像一个所有者。
A worker earns money, pays taxes on all of it, and spends whatever is left over. A smart business does it in the exact opposite order. It earns, it keeps the money working inside the system and it reinvests to grow and is built to be efficient with what it owes.
工人赚钱，为全部收入缴税，然后花掉剩下的部分。而聪明的企业则采取完全相反的顺序。它先赚钱，让资金在系统内持续运转，再投资以促进增长，并且其构建方式就是为了高效利用它所欠的债务。
The difference repeated for years becomes the difference between just running on a treadmill constantly and actually, you know, climbing the staircase toward success. You don't need to be huge to start thinking this way.
这种差异年复一年地重复，就会成为一直在跑步机上不停奔跑与真正沿着阶梯向成功攀登之间的区别。你不需要规模很大才能开始这样思考。
When your one thing starts making real money, get proper advice about setting it up the right way, so more of what you earn stays inside your system doing work instead of leaking out to somebody else.
当你的那件事开始真正赚钱时，就该寻求专业建议，以正确的方式把它搭建起来，这样你赚到的更多钱会留在你的系统内发挥作用，而不是流失到别人那里。
A business that's structured well can pay for the tools that it uses, the space that it needs, the help that it hires, all before the tax ever gets counted. Well, an employee pays for every one of those things with money that's already been taxed.
一个结构良好的企业可以支付它所使用的工具费用，它所需要的空间费用，它所雇佣的人手费用，所有这些都在计税之前完成。嗯，员工为每一件这样的事付的钱都是已经被征过税的。
That's not some loophole. That's the entire way that the system's been designed to help people who build and own instead of the ones who just earn and spend. So keep money working in the business to buy tools and assets and help that make you more money.
这不是什么漏洞。这正是整个制度的设计方式，为了帮助那些人，那些创造并拥有资产的人，而不是那些仅仅靠挣工资和花钱的人。所以要让资金在企业中持续运转，用来购买工具和资产，以及能帮你赚更多钱的助力。
Pay yourself in a smart planned way instead of grabbing every dollar that comes the second it lands because every dollar that you leave working in the business in the machine is helping build the machine and the business bigger.
以明智且有规划的方式给自己付薪水而不是抓住每一块钱一到手就立刻拿走，因为每一块钱你留在企业里继续运转的在这台机器里的钱，都在帮助把机器和企业做得更大。
The rich don't treat their income like it's just this paycheck that they can go off and spend. They treat it like it's food for the machine and they keep feeding that machine until it's strong enough to feed them for the rest of their lives.
富人不把他们的收入只当作一份薪水可以拿去随便花掉。他们把它当作机器的食物他们不断喂养那台机器直到它足够强大足以养活他们余生。
Own the thing that does the earning. So a salary pays you for showing up and doing the work. An asset pays you for existing. The whole leap from thinking in salaries to thinking in systems comes down to this one idea.
拥有那个能赚钱的东西。所以薪水只是为你的出勤和工作付酬。资产会因为你拥有它而付钱给你。从薪资思维到系统思维的整个飞跃归根结底就在于这一个理念。
Stop only selling your time and start owning things that produce income on their own. So if we go back and think about what Fred Duca really owned, it wasn't one sandwich shop that needed him to be behind the counter.
不要再只出售你的时间，开始拥有那些能自行产生收入的东西。所以，如果我们回过头来想想弗雷德·杜卡真正拥有的是什么，那并不是一家需要他站在柜台后面的三明治店。那并不是一家需要他站在柜台后面的三明治店。
He owned the system and the brand behind tens of thousands of shops. And that system paid him a piece of every store in every city, whether he showed up or not. The person running one shop earned from the hours that they put in.
他拥有的是这个体系和品牌，背后支撑着数万家门店。而这个体系让他从每个城市的每家店中抽取一部分收益，无论他是否现身。经营一家店铺的人赚取的是他们投入的时间所换来的收入。付出多少时间，就赚多少。
Fred earned from the entire network all day long, everywhere at the same time. He owned the thing that did the earning, not a job inside of the thing. You want to build your life the same way at whatever size that you're at right now.
弗雷德则从整个网络全天候获利，同时在所有地方获利。他拥有那个创造收益的东西本身，而不是这个东西内部的一个职位。无论规模大小，你都想以同样的方式构建你的生活就像你现在的规模一样。
Own a piece of the business, not just a spot on its payroll. When you help a company grow, ask for a slice of it instead of a flat fee so you keep getting paid long after the work is actually done.
拥有企业的一部分，而不仅仅是工资单上的一个位置。当你帮助一家公司成长时，要求分得一杯羹，而不是固定费用这样在工作实际完成很久之后，你仍能持续获得报酬。
Package your skills into a product that sells while you sleep instead of only trading your time for money. Put your surplus into assets that send you money back month after month long after you did the work to buy them.
把你的技能打包成一个产品让它在你的睡梦中为你赚钱而不是仅仅用时间来换取金钱。把你的盈余投入那些每月都能给你带来回报的资产月复一月，在你为购买它们付出努力之后很久仍持续不断。
Every dollar you move from your hands into the machine into an engine is a dollar that never has to be earned by hand again. Every one of those moves does the same thing for you. It separates your income from the hours.
你把每一美元从手中投入机器投入引擎都是一美元，永远不必再靠双手去赚取。这些做法中的每一种都能为你带来同样的效果。它把你的收入和工时分离开来。
The employee is stuck in this simple brutal equation. No hours, no money. Get sick, no money. Take a vacation, no money. The owner breaks that equation on purpose so that the earning keeps happening even when they're at their kids' game or vacation or sleeping.
员工则被困在这个简单而残酷的等式里。没时间，没钱。生病了，没钱。去度假，没钱。老板故意打破这个等式这样收入就能持续产生，即使当他们去看孩子的比赛、度假或睡觉时。
That's what it really means to think in systems instead of salaries. You build or buy the engine and the engine keeps working for you. And you don't have to own something enormous for this to completely change your life.
这才是真正用系统思考的意义而不是靠薪水。你建立或购买这个引擎而引擎会持续为你工作。而且你不需要拥有庞大的东西就能彻底改变你的人生。
Owning even one small incomeroucing thing starts to change how you see the whole world. The first time money shows up in your account from something that you built rather than an hour of you trading your time.
哪怕只拥有一件小小的能带来收入的东西，也会开始改变你看待整个世界的方式。当钱第一次出现在你的账户里，来自某种你亲手打造的东西，而不是你拿一小时去交换时间。
Something changes. You stop asking how many hours can I sell and start asking how many engines can I build. And that question asked over and over for years becomes the whole difference between a person who retires exhausted and a person who is genuinely free.
有些事情改变了。你不再问我还能卖多少小时而是开始问我还能造多少台引擎。而这个问题年复一年地被反复追问最终成了一个精疲力竭退休的人和一个真正自由的人之间的全部区别。
So start with one small engine, then continue to build. Use leverage so the machine outlives your energy. This advice allows the system to grow far past what you could ever do on your own.
所以从一个小引擎开始，然后继续构建。利用杠杆，让机器比你的精力更持久。这条建议让系统能够远远超越你独自一人所能做到的事情。
Leverage. Leverage just means you're using something other than your own raw effort and money to get the work done. So there are three kinds that you can start using right now no matter how small you are.
杠杆。杠杆的意思就是你利用自身努力和金钱以外的东西来完成工作。有三种杠杆你现在就可以开始使用，无论你的规模有多小。
The first is other people. So you will never scale by being the only worker in your business. The moment you can, you hand off tasks that don't need you. So your time goes to the things that actually move the needle forward.
第一个是其他人。所以你永远无法扩大规模如果你是企业里唯一的员工。一旦可以，你就把不需要你的任务交出去。所以你的时间花在那些真正能推动进展的事情上。
The second system is tools. A good piece of software, AI, simple automated process can do the work of several people all day without lunch break or days off. And the third is other people's attention and audiences.
第二个系统是工具。一款好的软件，AI，简单的自动化流程能完成几个人的工作量全天无休，不用午休，也没有休息日。第三是他人的关注和受众。
So, partner with someone who already has the customers you want can grow you faster than years of just grinding by yourself. It's actually what saved my first company when I was dead broke and about to quit.
所以，与已经拥有你想要的那些客户的人合作能让你比独自苦苦挣扎多年成长得更快。这实际上挽救了我的第一家公司，那时我身无分文，即将放弃。
I was making $300 a month and staring at giving up. And what saved me was I stopped trying to do everything myself and started building partnerships instead, boring other people's reach instead of trying to build everything by myself from scratch.
我当时每月只赚300美元，眼看就要放弃了。而拯救我的是我不再试图所有事情都自己做而是开始建立合作关系，借用别人的影响力，而不是试图从零开始自己建立一切。
One of those partnerships led straight to my first deal, a great deal for me at the time. And that one deal kept the whole dream alive. I didn't outwork my problem. I just created leverage towards solving it.
其中一次合作直接带来了我的第一笔交易，当时对我来说是一笔很棒的交易。而那一笔交易让整个梦想得以延续。我并没有比我的问题更努力。我只是创造了解决问题的杠杆。
Leverage is how a system keeps producing even when your personal energy might run out because your energy always runs out eventually. So you're one person with 24 hours. A machine built on leverage doesn't get tired and doesn't sleep doesn't cap out at a number of hours in your day.
杠杆是一个系统持续产出的方式，即使当你个人的精力可能耗尽时因为你的精力终究会耗尽。所以你是一个人，只有24小时。建立在杠杆之上的机器不会疲倦不会睡觉，也不会封顶在你一天中的小时数上。
And if you have the ability to build something that serves people while you rest, then I think you have the responsibility to go and build it. If you can, then you must. So don't wait for permission.
如果你有能力去建造某样东西能在你休息时服务于人们，那么我认为你有责任去把它建造出来。如果你能做到，那你就必须去做。所以不要等待许可。
Don't wait to feel ready. And you know when the best time to start is right now. How about right You were built to own, not just to clock in. You were never meant to spend your whole life renting out your hours.
不要等到感觉准备好了才开始。你知道最好的开始时机就是现在。现在怎么样？你生来就是为了拥有，而不仅仅是为了打卡上班。你从来就不该一辈子出租自己的时间。
So start with one thing, make it great, turn it into a system, own the engine, and use leverage to let it grow beyond you. Being leads to doing. So decide today that you are a builder of systems and let the action follow.
所以，从一件事开始，把它做到极致，将它变成一套系统，拥有这台引擎，并利用杠杆让它超越你自身成长。存在决定行动。所以今天决定你是一个系统的构建者并让行动跟随。
Your purpose comes from your pain. And every frustrating hour that you have traded for a paycheck can become a fire inside you that builds something that finally pays you back. The money decisions you make in your first 90 days will decide whether you still have a business in 5 years.
你的目标源自你的痛苦。而每一个令人沮丧的小时你用来换取薪水可以变成你内心的一团火焰，去构建某样东西最终回报你。你在创业头90天里做出的财务决策将决定你的企业5年后是否还在。
The SBA's Office of Advocacy puts the first 5-year survival rate for a new business at 49.2% and the 10-year rate at 33.9%. You're going to end up in one of those two numbers. And the money decisions you make in your first year are what put you there.
小企业管理局的宣传办公室将新企业的前5年存活率定为49.2%，10年存活率定为33.9%。你最终会落入这两个数字之一。你在第一年做出的金钱决定就是让你走到那一步的原因。
In the 1980s, Patagonia was the business that everybody wanted. Yvon Shuard's company was compounding 30 to 50% a year. The clothes sold themselves. The culture was famous. Ivonne was a climber who started by making petons out of a chicken coupe in Burbank.
在20世纪80年代，Patagonia是所有人都想效仿的企业。Yvon Shuard的公司每年以30%到50%的速度增长。衣服自己就卖出去了。这种文化很有名。伊冯娜是一名攀岩者她最初是用鸡肉做成岩钉在伯班克的车厢里。
And now he was running one of the most admired brands in America. So he did what a business does when the line goes up. He planned for another huge year. Patagonia loaded up on inventory, expanded the staff, and leaned on a bank line of credit to carry all of it.
而现在他正经营着美国最受推崇的品牌之一。于是他做了企业在业绩上升时该做的事。他计划再创辉煌的一年。巴塔哥尼亚大量囤积库存，扩充了员工队伍，并依靠银行信贷额度来支撑这一切。
Then 1991 arrived. The recession hit. Sales went flat, and the profit went down a cliff. All that inventory had to be dumped below cost. And the bank, looking at a company that had bet everything on growth that stopped, clamped down on the credit line.
然后1991年到来了。经济衰退来袭。销售停滞不前，利润一落千丈。所有库存不得不亏本抛售。而银行，看着一家押上一切的公司赌的增长却戛然而止，收紧了信贷额度。
On a day the company still calls Black Wednesday in July of 1991, Patagonia laid off 120 people. That was about 20% of everybody who worked there. Ivonne had to look at people who had built the place with him and tell them that there wasn't any money.
在公司至今仍称之为黑色星期三的那一天1991年7月，巴塔哥尼亚解雇了120人。这大约占那里所有员工人数的20%。伊冯娜不得不面对那些和他一起创建了这家公司的人并告诉他们，已经没有钱了。
He later said the company had been on a suicide course. This is the most important part here. Patagonia wasn't a bad business. The products were great. The customers loved them. The brand became iconic.
他后来表示，这家公司一直在走一条自杀式的道路。这是这里最重要的部分。巴塔哥尼亚并不是一家糟糕的企业。产品很棒。顾客很喜欢它们。这个品牌成为了标志性的。
The finance was the problem. They funded fast growth with borrowed money and inventory. And when one quarter went sideways, the borrowed money is what nearly finished them. So Ivonne rebuilt the company around the growth rate it could actually pay for out of its own pocket.
问题出在财务上。他们用借来的钱和库存来支撑快速扩张。而当某个季度出现偏差时，正是那些借来的钱几乎让他们彻底垮掉。于是伊冯娜重组了公司围绕它实际能够承担的增长率靠自己的资金来支付。
and Patagonia is still here 35 years later because of that decision. Now, you might be thinking, "Okay, Evan, I mean, I don't have inventory and I don't have a bank line. I've got a laptop and an idea for a business."
而巴塔哥尼亚35年后依然存在正是因为那个决定。现在，你可能会想，“好吧，埃文，我是说，我没有库存，也没有银行授信额度。我有一台笔记本电脑和一个创业的想法。”
This doesn't apply to me and I'd say it applies to you more because you have less room to be wrong. Patagonia had a decade of profit banked before it got into trouble. You have your savings and some patience and both of those can run out faster than you think.
这不适用于我，我要说它更适用于你因为你犯错的空间更小。巴塔哥尼亚有十年的利润储备在它陷入困境之前。你有你的积蓄和一些耐心而这两者消耗殆尽的速度比你想象的要快。
This pattern with finances repeats at every size. is a company with 500 employees and the person with the laptop both die the same way on the same day of the month for the same reason.
这种财务模式在每个规模上都会重演。是一家拥有500名员工的公司和那个拿着笔记本电脑的人都会在同一个月的同一天以同样的方式消亡出于同样的原因。
The only difference is how big it is when it happens. Every business that dies dies usually for the same reason. It runs out of money before it figures itself out. Everything else is just a story that people tell afterwards.
唯一的区别在于它发生时规模有多大。每一家倒闭的企业，倒闭的原因通常都是一样的。在它搞清楚自己之前，钱就先花光了。其他一切，都只是人们事后编出来的故事罢了。
Bad idea, bad market, bad timing, bad partner. Underneath all of them is a bank balance that hit zero on a Tuesday. So, I'm going to give you the money rules. I'd want somebody to sit me down and explain before I had started.
糟糕的想法，糟糕的市场，糟糕的时机，糟糕的合伙人。而这一切背后的根源是一个银行账户余额在一个周二归零了。所以，我要教给你们一些金钱法则。我希望有人能让我坐下来，解释清楚在我开始之前。
Not accounting, not spreadsheets, the decisions that decide whether you're still standing in year five. Rule number one, your first 90 days belong to one paying customer. Everything you want to spend money on right now is a way of avoiding the thing that's actually hard.
不是会计，不是电子表格，那些决定你是否能在第五年依然屹立不倒的决策。第一条规则，你的前90天只属于一个付费客户。你现在想花钱买的每一样东西都是一种逃避方式逃避真正困难的事情。
You want to do the logo, the website, the business cards, the LLC, the branded notebook, the studio. All of it feels really productive, right? You're starting the business the day someone hands you money and not one day before.
你想做logo，网站、名片，有限责任公司、品牌笔记本，工作室。所有这些都感觉很有成效，对吧？你是在有人给你钱的那一天才开始创业的而不是在那之前的一天。
So, for the first 90 days, the rule is pretty simple. Talk to people and get a customer. That's the job. You can spend $70,000 on beautiful thought leadership content and finish the year with zero dollars in sales if there's no path from that content to a transaction.
所以，在前90天，规则很简单。与人交谈，获得一个客户。这就是工作。你可以花7万美元制作精美的思想领导力内容然后年底销售额为零如果从这些内容到交易之间没有路径的话。
And people do this every single year. I've seen entrepreneurs drop a million dollars on a studio before they ever pressed record. Now, some of them can afford it and awesome. Good for them.
而人们每年都在这样做。我见过创业者在按下录音键之前就在工作室上砸了一百万美元。现在，有些人负担得起，这很棒。对他们来说是好事。
But if you're starting from zero, copying a billionaire's opening move is how you go broke in 8 months with beautiful lighting on you. CB Insights went back through hundreds of startups postmortem and found that 38% of them died because they just ran out of cash, not because the product was wrong, because the money ran out while they were still figuring the product out.
但如果你从零开始，照搬亿万富翁的开局策略就是让你在8个月内破产的方式还伴随着打在你身上的美丽灯光。CB Insights回顾了数百家初创公司的失败案例发现其中38%的公司倒闭只是因为资金耗尽，不是因为产品方向错了，而是因为钱花完了而他们还在摸索产品的阶段。
So, here's your actual first 90-day budget. whatever it costs to reach humans and nothing else, right? A phone, a calendar link, a way to take money, maybe $200 in software, then you go have a 100 conversations, not 100 posts, conversations.
那么，这是你真正的第一个90天预算。只要能触达真人就行，别的什么都不花，对吧？一部手机，一个日历链接，一种收款方式，软件大概花200美元，然后你去进行100次对话，不是发100条帖子，是对话。
If a 100 real conversations with your ideal customers produce zero sales, you just save yourself $70,000 in a year of your life, and you learn something that no branding agency could have told you.
如果你和理想客户进行100次真实对话却带来零销售额，你只是为自己在一年中节省了70,000美元，而且你学到了一些东西那是任何品牌机构都无法告诉你的。
Rule number two, start at the top of the market and work your way down. So, everybody starts cheap because cheap feels safe, but it's actually the most expensive decision that you make.
第二条规则，从市场的顶端开始，然后一路向下。所以，每个人都从便宜开始，因为便宜让人感觉安全，但这实际上是你做出的最昂贵的决定。
So, look at how Tesla did it. They opened in 2008 with the Roadster. That was a $109,000 sports car built for people who could write that check without flinching. Those buyers funded the engineering, the factory, the supply chain.
那么，看看特斯拉是怎么做的。他们在2008年以Roadster开局。那是一辆售价109,000美元的跑车，专为那些人打造他们能毫不犹豫地开出那张支票。那些买家资助了工程，工厂，供应链。
Then came the Model S, then the Model 3 at around $35,000 for everybody else. High-end first, then down the ladder with the rich customers paying for the learning curve. So do the same thing at your scale.
然后有了Model S，然后是为其他人提供的约35,000美元的Model 3。先高端，然后往下走由富有的客户支付学习曲线的费用。所以，在你的规模上做同样的事情。
If you're a consultant, don't launch a $49 course. Launch a $5,000 done with you engagement with three clients. You'll learn more in 90 days serving three people closely than you'd learn in two years selling 400 people a video library.
如果你是顾问，不要推出49美元的课程。推出5000美元与你共同完成的合作项目，并找三个客户。在90天内近距离服务三个人，你会学到更多比你在两年内向400人推销视频库学到的还要多。
And you'll actually have money coming in while you learn. And there's a second reason why this works, and it has nothing to do with just the money. Three clients paying $5,000 will tell you the truth.
而且你在学习的同时实际上还会有收入进账。这种方法奏效还有第二个原因，而这不仅仅与钱有关。三个支付5000美元的客户会告诉你真相。
They'll call you. They'll complain to you. They'll tell you exactly where your service is breaking because they've got real money on the table. 400 people who paid $49 will just stop opening your emails and you'll never find out why.
他们会打电话给你。他们会向你抱怨。他们会准确告诉你，你的服务在哪里出了问题因为他们投了真金白银。400个花了49美元的人会直接不再打开你的邮件而你永远也不会知道原因。
Now, let's look at the math. To make $10,000 a month at $50 a customer, you need 200 customers. 200 support emails. 200 chances to get a refund request. At $5,000, you need two. You already know two people who might say yes.
现在，让我们来看看这笔账。要每月赚10,000美元，每位客户收费50美元，你需要200位客户。200封支持邮件。200次收到退款请求的机会。要5000美元的话，你需要两个。你已经认识两个可能会答应的人了。
You don't know 200. Rule number three, put a bigger number next to your number. Price is a comparison. So, nobody knows what $15,000 means just on its own in a vacuum. They only know what it means next to something else.
你不认识200个人。规则三，在你的数字旁边放一个更大的数字。价格是一种比较。所以，没人知道15000美元在真空环境下单独意味着什么。它们只有在与其他事物相邻时才知道其含义。
So, I run my own business this way. My top offer is a $50,000 YouTube mastermind. Underneath that sits a $15,000 growth strategist package. When you see the $50,000 first, the 15,000 stops sounding expensive and starts sounding like a a smart choice.
所以，我就是这样经营自己的生意的。我最贵的服务是一个价值5万美元的YouTube智囊团。在那之下是一个价值15,000美元的增长策略师套餐。当你先看到50,000美元时，15,000听起来就不再昂贵了，而是开始听起来像一个明智的选择。
That's not manipulation. Both are real. Both deliver. Both have lots of value. And plenty people choose a $50,000 mastermind. But the 50K makes a 15K easier to say yes to. So build three tiers.
那不是操纵。两者都是真实的。两者都能兑现。两者都很有价值。而且很多人会选择5万美元的智囊团。但5万美元让1.5万美元更容易被接受。所以建立三个层级。
A premium one that you generally want to sell, a middle one where you expect people to land, and an entry point that can get somebody in the door. Always show the expensive one first.
一个你通常想要出售的高级版本，一个你期望人们选择的中间版本，以及一个能让某人入门的基础版本。始终先展示最贵的版本。
Now, one warning on the entry tier. Keep it small and keep it simple because a cheap product with heavy delivery is the worst business on earth. A $650 a year service that takes 40 hours to deliver is not a business.
现在，关于入门层级有一个警告。保持规模小，保持简单因为一款廉价产品却有着高昂的交付成本是世界上最糟糕的生意。一项每年收费650美元、却需要40小时来交付的服务不是一门生意。
It's a hobby with a lot of paperwork. If your low tier can't be delivered without you, then it doesn't belong on the menu. And understand what you're really selling at any price. What they're buying is confidence in a result.
而是一种附带大量文书工作的爱好。如果你的低价档位没有你就无法交付，那它就不该出现在菜单上。并且要明白，无论定价多少，你真正卖的是什么。他们买的，是对结果的信心。
If you can't explain your price without, you know, your voice going up at the end, they won't be confident that you'll deliver because you just told them that you aren't confident.
如果你在解释价格时不能做到，你知道，你的语调在句尾上扬，他们就不会相信你能交付成果，因为你刚刚告诉他们你不够自信。
Rule number four, charge for the result you deliver. So, the hour is the worst unit you could possibly sell because it caps your income, right? It punishes you for getting faster and it invites your clients to compare you against anyone else who is billing by the hour.
第四条规则，为你交付的成果收费。所以，按小时收费是你可能出售的最糟糕的单位，因为它限制了你的收入，对吧？它会惩罚你变得更快并且它会让你的客户将你与其他按小时收费的人进行比较。
I coached a therapist who was once doing life-changing work with kids and charging $250 an hour. He was terrified to raise it. I told him, "Go to 400." And to start with the clients he liked the least, so the downside was small.
我曾辅导过一位治疗师，他曾经做着改变生命的工作，对象是孩子们，每小时收费250美元。他害怕提高收费。我告诉他，“去400。”并且从他不那么喜欢的客户开始，所以不利的一面很小。
He did. Nobody blinked. Not one person left. That's the pattern almost every time. The price just lives in your head far more than it lives in your customer's head. So ask what the outcome is worth to them.
他照做了。没有人眨眼。没有一个人离开。几乎每次都是这个模式。这个价格更多地存在于你的脑海中，而不是在你客户的脑海中。所以问问他们这个结果值多少。
If you save a business owner 10 hours a week, that's 500 hours a year. If their time is worth $200 an hour, you just handed them a hundred grand in value. So charging $2,000 a month for that is not expensive.
如果你每周为一位企业主节省10小时，那就是一年500小时。如果他们的时间每小时值200美元，你刚刚就为他们创造了十万美元的价值。所以每月为此收费2000美元并不算贵。
It's a it's a deal. It's a bargain. It's a rounding ror in what they're getting. So run the test that he ran. Take your next three prospects and quote 40% more than you charge today.
这很划算。这很便宜。这是他们得到的结果中的一个舍入误差。所以运行他运行的那个测试。拿下你的接下来三个潜在客户并报价比你现在收费高40%。
Not your existing clients, your next three. If all three say yes, you were too cheap and you just found out for free. If one says no, then you're probably priced right. If all three say no, you've learned something real about your market in a week instead of guessing about it for a year.
不是你现有的客户，而是你接下来的三个。如果三个都说好，那你就是卖得太便宜了，而且你刚刚免费发现了这一点。如果有一个说不，那么你的定价可能就对了。如果这三方都说不，你就用一周时间真正了解了你的市场而不是花一年去猜测它。
Rule number five, pull your money forward. You can be a profitable business and still go bankrupt. And people don't understand that at the beginning and it's killed more companies than bad products have.
第五条规则，把资金提前回笼。你可以是一家盈利的企业，却仍然破产。而人们一开始并不明白这一点它比劣质产品扼杀了更多公司。
It happens when your expenses come faster than your payments do. Right? So, u if we walk through an example, right? A dance studio that's about $100,000 a year. On paper, that could be a healthy business.
当你的支出速度超过你的收款速度时，这种情况就会发生。对吧？那么，如果我们看一个例子，对吧？一家年收入约10万美元的舞蹈工作室。从账面上看，这可能是一家健康的企业。
And the owner feels great about it. But the money doesn't arrive in 12 equal pieces. Maybe October is 5,300 in the red because the annual insurance premium lands in October. And December runs another 900 negative because enrollment maybe drops over the holidays.
而所有者对此感觉很好。但钱并不是分12次等额到账的。也许10月份会出现5300的赤字因为年度保险费在10月份到期。而12月又产生了900的负现金流因为假期期间报名人数可能会下降。
The year is fine, but two months out of it are not. And you only need one of those months to catch you with an empty bank account that crushes your business. Then September comes in and is strong and the owner wants a $15,000 speaker system.
全年整体没问题，但其中两个月不行。而你只需要其中一个月就能让你遭遇银行账户空空如也，从而压垮你的生意。然后九月来了，势头很猛店主想要一套15,000美元的音响系统。
Right? that one purchase made in the best month is what runs the business out of money by December. So profit is you want to look at it on the year, but cash is a fact like right now today.
对吧？在最好的月份里做的那一笔采购到十二月就会让企业资金耗尽。所以利润是你想在年度上看的东西，但现金是事实，就像此时此刻。
You can be right about the year and still be unable to make payroll on the 15th of the month and that's the one that ends you. So here's the rule. Pull your money forward and push the expenses back.
你可能对年度判断正确，却仍然无法在当月15日发工资，而正是这一点会让你完蛋。所以规则是这样的。把收入提前，把支出推后。
Sell an annual instead of a monthly or offer a discount for paying quarterly or upfront. Get a deposit before you start work, not after you finish. And before you spend a dollar of a great month, map out your next 12 months on one page with every lumpy expense you might have on there.
卖年度方案而不是月度方案或者为按季度付款或预付提供折扣。在开始工作之前收取定金，而不是在完成之后。在你花掉一个美好月份的一块钱之前，在一页纸上规划出你接下来的12个月，把所有可能的大额开支都列在上面。
Right? So think insurance, taxes, software renewals, the slow season. Cover those first. Then you can spend what's left over and only what's left over. And separate your money physically because willpower loses right to the bank account.
对吧？所以想想保险、税费、软件续费、淡季。先覆盖那些。然后你可以花剩下的钱，而且只能是剩下的。并且把你的钱从物理上分开因为意志力在银行账户面前会败下阵来。
So run three accounts, an operating, tax, and profit. Every time money comes in, move the tax portion out of the same day and never look at it again. The number in your operating account then is the only number you get to spend and it's finally telling you the truth of what you have.
所以开三个账户，一个运营账户、一个税务账户、一个利润账户。每次有钱进来，当天就把税务部分转出去，然后就再也不要看它。这样你运营账户里的数字就是你唯一可以花的钱，它终于如实告诉你你到底有多少钱。
Rule number six, keep your equity. I worked in venture capital, so let me save you some time. Do not go raise money for this. Somebody with an idea and no revenue goes looking for 50k and the investor takes half the company because at that stage you're pure risk and they're pricing it honestly.
第六条规则，保住你的股权。我在风险投资行业工作过，所以让我帮你省点时间。不要为这个去筹钱。一个有想法但没有收入的人去找5万然后投资人拿走一半的公司因为在那个阶段你就是纯粹的风险而他们是在诚实地定价。
Now you own 50% of something that you have to spend the next eight years building and a day gets hard. Would you look at that number and lose your motivation? That's the actual danger, and it has nothing to do with just numbers on a spreadsheet.
现在你拥有某样东西的50%而你必须在接下来的八年里去建设它，而某一天会变得艰难。你会看着那个数字然后失去动力吗？这才是真正的危险，而这与电子表格上的数字无关。
There's a second cost, too, that people don't often warn you about. Raising money becomes a full-time job. You'll spend six months building a deck, taking meetings, following up with people who were never going to say yes anyway.
还有第二个代价，人们通常不会警告你的。筹款变成了一份全职工作。你会花六个月时间搭建一个演示文稿，参加会议，跟进那些人而他们根本就没打算答应。
And every one of those hours was an hour that you weren't building your business and selling. Businesses die that way while looking extremely busy. Only take outside money under one condition.
而其中的每一个小时，都是你没有在打造业务和销售的时间。企业就是这样死掉的，同时还显得极其忙碌。只有在一种情况下才接受外部资金。
you already have a machine that works where every dollar in reliably produces several dollars out and you just want to run it harder. If you don't plan to go public or get acquired, finance the whole thing out of your own sales.
你已经拥有一台运转良好的机器投入的每一美元都能可靠地产生数美元的产出而你只是想让它运转得更快。如果你不打算上市或被收购，就用你自己的销售收入为整个项目提供资金。
Your customers are the best investors you'll ever have and they never ask for board seats. Now, there's a version of funding that doesn't cost you anything and almost nobody uses it.
你的客户是你所能拥有的最好的投资者而且他们从不要求董事会席位。现在，有一种融资方式不花你一分钱却几乎没有人使用它。
Your customers, a pre-sale, a deposit, a founding member price for the first 10 people who pay before the thing exists. That's capital in with no interest, no equity, no board seats, no meetings, and it proves the demand is real for your thing before you build it, which is the one thing that no investor check can do for you.
你的客户，一次预售，一笔定金，为前10个人提供的创始会员价在产品问世之前就付款。这是无利息的资本注入，没有股权，没有董事会席位，没有会议，这证明了需求是真实的，在你构建之前就为你的产品证明了需求，这是任何投资者的支票都无法为你做到的一件事。
Rule number seven, hire late and hire green. Payroll is the fastest way to turn a flexible business into a really scary one. Every hire converts variable cost into fixed costs. And fixed costs are what turn a slow quarter into an emergency.
第七条规则，晚点招人，招新人。工资单是让灵活的业务变成非常可怕的业务的最快方式。每一次招聘都会将可变成本转化为固定成本。而固定成本正是那种让一个低迷的季度变成紧急危机的因素。
Go back to Patagonia in 1991. Hire when you're genuinely bottlenecked by low dollar work that's blocking you from selling. Not when you're tired, not when you'd feel more legitimate if you have a team.
回到1991年的Patagonia。当你真正遇到瓶颈时再招聘被低价值的工作阻碍你销售时。而不是当你疲惫时，不是当你觉得有了团队会更有底气时。
When you do hire, think about green over pedigree. Young and hungry beats a 20-year veteran in a field that's changed three times in the last 5 years. Because you can teach skills, but you can't untrain habits.
当你真的招聘时，要考虑的是潜力而非背景。年轻且渴望成功的人胜过20年的老将在一个已经改变了的领域在过去5年里改变了三次。因为你可以教技能，但无法改变习惯。
And run a real process. Write a long messy job post and bury one specific instruction in the middle of it. Something like having your favorite entrepreneur in the first line of the message.
并运行一个真正的流程。写一则冗长杂乱的工作招聘启事，并把一条具体的指令埋在中间。比如让你最喜欢的创业者出现在第一行的消息里。
Anybody who misses it is out. Eliminated because you just tested attention to detail for free. Then pay your short list for a small trial project up to 5 hours of real work. Pay everyone, even the ones who don't make it.
错过它的人就淘汰。因为你刚刚测试了细节关注度而被淘汰免费。然后为你的入围名单付费进行一个最多5小时的小型试做项目的实际工作。给每个人付费，即使是没有通过的人。
You'll learn from those 5 hours paid then from five interviews. And you'll find the person who catches a mistake that you didn't. And know what a bad hierarchy cost you because it's never just the money.
你会从这5小时的工作中学到东西然后从五次面试中学习。你会发现那个发现错误的人而你没有发现的错误。并且知道糟糕的等级制度让你付出了什么代价因为代价从来不只是金钱。
It's not just a salary. It's a salary, but plus three years spent training them, plus the work that didn't get done, plus the customers who had a bad experience, plus the six weeks it takes to hire again on a $60,000 role.
这不仅仅是工资。这是工资，但加上花在他们身上的三年培训时间，加上没完成的工作，加上体验不佳的客户，加上为一个6万美元的职位重新招聘所需的六周时间。
That's easily a six-f figureure mistake. So, hiring slowly isn't cheap. It's the only version of this that you can't afford to get wrong. Now, one last thing. If you hate managing people, don't build a team that needs 50 people.
这很容易就是一个六位数的错误。所以，缓慢招聘并不便宜。这是你唯一不能搞错的版本。现在，最后一件事。如果你讨厌管理别人，就不要组建一个需要50人的团队。
That's useful information, so use it. Build a version of this that actually fits the life that you want to live. Start before you're ready. You don't need a perfect model to begin.
这是有用的信息，所以利用它。打造一个真正契合这种生活的版本你想要过的生活。在准备好之前就开始。你不需要一个完美的模式来开始。
You need a customer, a price you can say out loud confidently, and enough cash to still be here in 12 months. So, don't wait for permission. Don't wait to feel ready because ready shows up after you start and never once before.
你需要一个客户，一个你能自信说出口的价格，以及足够的现金让你在12个月后依然还在。所以，不要等待许可。不要等到感觉准备好了，因为准备好了会在你开始之后出现，而在开始之前从不会出现。
The paper airplane here, right on my logo, isn't supposed to break the sound barrier either. And doing the impossible is exactly why you're here. This is the first moment in history where one person with a laptop can outearn an entire company.
这里的纸飞机，就在我的标志上，也不该突破音障。而完成不可能的事，正是你在这里的原因。这是历史上的第一次一个人用一台笔记本电脑就能比一整家公司赚得还多。
AI is real and it is going to change every industry. Generative AI is on track to add up to $4.4 trillion a year to the global economy according to McKenzie. And that number is a window into the biggest wealth shift of your lifetime.
人工智能是真实的，它将改变每一个行业。根据麦肯锡的数据，生成式人工智能有望每年为全球经济增加高达4.4万亿美元。而这个数字是一扇窗口，让你窥见你一生中最大的财富转移。
The ability to use these tools is both fun and empowering. And the people who step through it in the next 12 months are going to look back on this year as the year that everything changed for them.
使用这些工具的能力既有趣又赋予人力量。而在未来12个月里跨过这道门的人将会把今年回顾为他们一切发生改变的一年。
Let me tell you about a guy named Tony Den. He was a software engineer with a safe six-figure job at a big tech company. Good money, good title, the kind of job you're supposed to feel lucky to have.
让我给你讲讲一个叫托尼·登的人。他是一名软件工程师在一家大型科技公司拥有一份安稳的六位数薪水的工作。丰厚的薪水，体面的头衔，那种你本该感到幸运才拥有的工作。
But he wanted to build his own thing. And so he walked away from it and started shipping tiny products that he built on his own, building in public where the whole internet could watch him either win or fall in his face.
但他想打造属于自己的东西。于是他离开了那份工作，开始独自发布自己打造的小产品，在公众面前构建，让整个互联网都能看着他要么成功，要么一败涂地。
Then the AI wave hit and he built a tool called typing mind. It's a faster, cleaner, more powerful way to use AI chat with a better interface and extra features that the heavy users really love.
然后AI浪潮袭来，他打造了一款名为Typing Mind的工具。这是一种更快、更简洁、更强大的AI聊天使用方式拥有更好的界面以及重度用户真正喜爱的额外功能。
One specific problem with one clean solution. And here's the best part. He runs the entire business completely alone. No employees, no office, no team, just him and a laptop. often working while he travels the world.
一个具体问题，一个简洁的解决方案。最棒的是他完全独自经营整个业务没有员工，没有办公室，没有团队，只有他和一台笔记本电脑经常在环游世界的同时工作。
And that one tool pulls in over $130,000 a month. He posts his exact numbers in public, so it's not just a rumor. You can go and check for yourself. He didn't raise millions from different investors.
而仅凭这一个工具，每月就能带来超过13万美元的收入。他公开晒出自己确切的数据，所以这并非传言。你可以自己去查看。他没有从不同的投资者那里筹集到数百万资金。
He didn't hire 50 people. He found one expensive problem, pointed AI at it, and let the technology do most of the heavy lifting that he used to then build his whole company. That is the AI business model that is making millionaires right now.
他没有雇用50个人。他发现了一个代价高昂的问题，让人工智能去解决它，并让这项技术承担大部分繁重的工作他过去正是借此建立了自己的整个公司。这就是人工智能商业模式正是它现在造就了百万富翁。
one person, one specific problem. AI doing the work of an entire team. Now, here's where your brain often goes and tries to fight. You're thinking, "That's great, but Tony, he's a coder.
一个人，一个具体的问题。AI完成整个团队的工作。现在，你的大脑常常会这样想，并试图反驳。你在想，“那很好，但是托尼，他是个程序员。
I'm not technical. I can't build a tool like that. I wouldn't even know where to start." And this is where we got to relax because we need to shift the thinking. The model is not about coding.
我不懂技术。我造不出那样的工具。我甚至都不知道从哪里开始。”而这就是我们可以放松的地方因为我们需要转变思维。这个模型与编程无关。
Tony built a product, but the exact same model works as a service. And the service version doesn't need you to write a single line of code. You bring the relationships and you bring your judgment.
托尼构建了一个产品，但完全相同的模型也可以作为服务。而服务版本不需要你写一行代码。你带来人脉，你带来判断力。
AI does the work. You can deliver the work that used to take a whole agency for a handful of clients and keep the money because you don't have the team to pay. The tools have gotten so good that the only thing standing between you and this is a decision just to start.
AI 负责干活。你可以交付作品过去需要一整个代理公司才能服务少数客户，而钱都归你因为你不用养团队。工具已经变得如此精良以至于唯一阻碍你和这一切之间的，只是一个开始的决心。
So, let me show you exactly how it works step by step. Step one, pick one specific expensive problem. The biggest mistake people make is trying to help everybody with everything. They want to be a general AI consultant who does a little of this and a little of that.
那么，让我一步步向你展示它到底是如何运作的。第一步，选择一个具体的昂贵问题。人们犯的最大错误就是试图用一切去帮助所有人。他们想成为一名通用AI顾问这个做一点，那个也做一点。
That never works. The money is in being laser specific. So Tony Den didn't build a tool that does a hundred different things. He built one tool that solves one problem really well.
这永远行不通。关键在于做到极其精准。所以托尼·登并没有打造一个能做上百种不同事情的工具。他打造了一个能把一个问题解决得非常好的工具。
Making AI chat faster and easier for the people who live in it all day long. That's it. One specific painful problem that people pay real money already to solve. So your job is to find your version of that.
让AI聊天对人们来说更快更轻松那些整天都生活在其中的人。就是这样。一个具体的痛苦问题人们已经为此付出真金白银来解决。所以你的任务就是找到属于你的那个版本。
Pick one type of person and one expensive headache that they might have right now. Maybe it's a small law firm when they need their client intake handled. Maybe it's real estate agents who need their listings written up and their follow-up emails sent off.
选择一类人和一种他们目前可能面临的代价高昂的棘手问题。也许是一家小型律师事务所需要处理客户接待事务的时候。也许是房地产经纪人需要撰写房源信息并发送跟进邮件。
Maybe it's local restaurants that need their social media run, right? The key word is expensive. You want a problem where people are already spending money because that means demand is already proven.
也许是当地餐馆需要运营社交媒体，对吧？关键词是昂贵。你要找一个人们已经在花钱的问题因为这意味着需求已经得到了验证。
You're not creating a brand new market. You're entering one that already exists and doing it faster and cheaper with AI. So, here's a a quick test to find your problem. Look at what businesses around you are already hiring people to do that is boring, that is repetitive, and that is timeconuming.
你不是在创造一个全新的市场。你是在进入一个已经存在的市场并利用人工智能更快、更便宜地做到这一点。那么，这里有一个快速测试来找出你的问题。看看你周围的企业已经在雇人去做的事情那些无聊的，那些重复的，以及那些耗时的。
Writing product descriptions, answering the same customer questions over and over, editing videos, building simple reports, following up with leads. Every one of those is a task that AI can now do in a fraction of the time.
撰写产品描述，一遍又一遍地回答相同的客户问题，编辑视频，制作简单的报告，跟进潜在客户。这些每一项都是AI现在能完成的任务只需花费一小部分时间。
And every one of those is something a business is already paying real money for. That is the opening for you. The line between what you do and who you serve has to be completely straight.
而其中的每一项都是企业已经在花钱真金白银购买的。这就是你的机会。你所做的事与你所服务的人之间的界限必须完全清晰明确。
When you try to serve everyone, you connect with no one. When you go all in on one specific person with one specific problem, then you become the obvious choice to work with. So before you go do anything else, get super clear on this.
当你试图服务所有人时，你与任何人都无法建立联系。当你全力专注于某一个特定的人解决某一个特定的问题，那么你就会成为合作的不二之选。所以在你做任何其他事情之前，先彻底弄清楚这一点。
Who do you help? And what's one expensive problem you do solve for them? Write it down in one sentence. If you can't say in one sentence, you're still too broad. Keep narrowing down until it's sharp.
你帮助谁？你为他们解决的一个代价高昂的问题是什么？用一句话写下来。如果你不能用一句话说清楚，说明还是太宽泛了。不断缩小范围，直到它足够明确。
Step two, start high, not cheap. This is where so many entrepreneurs sabotage themselves. They think the way to start is to sell something cheap. A $20 ebook, a $50 miniourse, a small digital download.
第二步，定高价，不要便宜。这就是许多创业者自我破坏的地方。他们认为开始的方式是卖便宜的东西。一本20美元的电子书，一门50美元的迷你课程，一个小型数字下载。
And I'm telling you, that's the slow road to go to nowhere. Right? When you sell cheap stuff, you need thousands and thousands of customers just to make a living. And finding thousands of customers takes a massive, expensive marketing machine that you don't have yet.
我告诉你，那是通往死胡同的慢车道。对吧？当你卖便宜的东西时，你需要成千上万的客户才能勉强维持生计。而找到成千上万的客户需要一台庞大、昂贵的营销机器，而你还没有。
So, just switch the math. Go high ticket from day one. So, let's look at how easy the numbers can get. So imagine you charge $2,000 a month to deliver an AI powered service. You only need four clients to hit $96,000 a year.
所以，只要改变一下算法。从第一天起就做高客单价。那么，让我们看看这些数字能变得多轻松。想象一下，你每月收费2000美元来提供一项AI驱动的服务。你只需要四个客户就能达到每年96,000美元。
Four clients. You can manage four clients from your kitchen table. Now picture eight clients and now you're nearly at $200,000 a year still working alone. That's the power of starting high.
四个客户。你可以在餐桌上管理四个客户。现在想象有八个客户现在你几乎每年赚20万美元仍然独自工作。这就是从高起点开始的力量。
A small number of clients who pay real money is a hundred times easier to manage than a huge crowd of people who are paying you pennies. And high ticket does something else for you.
少数愿意支付真金白银的客户管理起来要容易一百倍比起一大群人付给你 pennies。而高价位还能为你带来其他好处。
People actually take it more seriously. When someone pays you $2,000 a month, they show up, they do the work, they get results, and they refer their friends. So, don't be scared to charge what the work is worth.
人们实际上会更认真地对待它。当有人每月付你2000美元时，他们会出席，他们会去做，他们会取得成果，而且他们会推荐他们的朋友。所以，不要害怕按照工作的价值来收费。
The AI does a lot of the heavy lifting on delivery, which means your margins are huge. You're not paying a team. You keep almost everything. But there's also one more reason why high ticket wins.
AI在交付上承担了大量繁重的工作，这意味着你的利润空间巨大。你不需要支付一个团队的费用。你几乎什么都保留。但高客单价胜出还有一个原因。
With a small number of clients, you can give each one an incredible experience. You know their names, their businesses, their goals. You answer quickly. You overd deliver. That kind of care is impossible when you're just drowning in thousands of low-paying customers.
客户数量少时,你可以给每一位带来绝佳的体验。你知道他们的名字、他们的生意、他们的目标。你回复迅速。你超额完成。那种关怀是不可能的当你正淹没在成千上万低付费客户中时。
And it's exactly what turns a client into somebody who stays for years and sends you everyone they know. So start high, serve a few people incredibly well, and let that fund everything you build.
而这正是让一个客户变成一个能留存多年并把你介绍给所有认识的人的关键。所以从高价开始，为少数人提供极其出色的服务，并让这为你所建立的一切提供资金。
Next, step number three, let AI do the work a team used to do. So this is the engine that makes the whole thing run. The reason one person can now do what used to take 20 people is that AI handles most of the actual labor.
接下来，第三步，让AI完成过去由团队完成的工作。所以这就是让整个事情运转起来的引擎。一个人现在能做到过去需要20个人才能完成的事情，原因是AI承担了大部分实际劳动。
So your job is to build a simple system where the machine does the repetitive work and you do the thinking. Run everything through three filters. First eliminate. Look at your day and cut anything that actually doesn't move the needle forward.
所以你的工作是建立一个简单的系统让机器做重复性的工作而你负责思考。让一切都经过三道过滤。首先排除。审视你的一天，砍掉任何实际上并不能推动事情向前发展的事情。
I used to write detailed notes for a a group of mine that I later found out nobody ever read. So I cut it out completely. Be honest about what's just busy work. Second, automate. Anything repetitive, give it to AI.
我曾经为我的一个小组写详细的笔记后来我发现根本没人读过。所以我彻底把它砍掉了。对哪些只是忙碌的工作要诚实。第二，自动化。任何重复性的事情，都交给AI。
Turning a single long form video into 20 short clips, transcribing every call so that you never lose an idea. drafting your outreach messages, writing your first drafts of your client work, organizing your research.
把一个长视频变成20个短片，转录每一通电话，让你永远不会丢失任何想法。起草你的外联信息，撰写客户工作的初稿，整理你的研究资料。
AI can do all of that in minutes. Third, delegate. For a few things AI can't do and shouldn't do, you get help. You can hire a part-time assistant for 5 to 10 hours a week to start.
AI可以在几分钟内完成所有这些事情。第三，授权。对于AI无法做也不该做的少数事情，你可以寻求帮助。你可以每周花5到10小时雇一个兼职助理来起步。
So, you learn to lead without the weight of having a full-time salary. When you stack these three things together, something pretty wild happens. You start delivering professional level work at a speed that looks impossible for your clients.
所以，你学会了领导而不必背负全职薪水带来的重担。当你把这三件事叠加在一起时，会发生相当惊人的事情。你开始以专业水准交付工作，速度在你的客户看来简直不可思议。
They think you have a whole team behind you and it's just you and your AI. Now, let's look at a a simple client. So, say you land a client who needs 30 social media posts a month, a weekly newsletter, and all of their customer emails answered.
他们以为你背后有一整个团队其实只有你和你的AI。现在，我们来看一个简单的客户案例。假设你接了一个客户，每月需要30条社交媒体帖子，每周一封新闻通讯，以及回复他们所有的客户邮件。
A few years ago, that's three completely different hires. Today, you sit down with AI, you feed their brain and their voice, and you generate first drafts of it all in an afternoon.
几年前，那得雇三个完全不同的人。如今，你坐下来用AI，把他们的思维和声音喂进去，一下午就能生成所有初稿。
You spend the rest of your time editing, adding a human touch, your taste, and making sure that it's excellent and you're proud of the client sees agency level output. Your actual cost is a few dollars in AI and a couple hours of your undivided attention.
剩下的时间你用来编辑，加入人情味，你的品味，并确保它足够出色，而且你为客户看到机构级水准的产出而自豪。你的实际成本只是几美元的AI费用再加上几个小时的全神贯注。
And the gap here between what you can deliver and what you have to pay is where the millionaires are being made right now. Step four, build relationships, not an audience. So, a lot of people think that you need to go viral first, right?
而这里你能交付的东西和你需要付出的代价之间的差距正是如今百万富翁们诞生的地方。第四步，建立关系，而不是受众。所以，很多人认为你需要先走红，对吧？
You think you need a million followers before you can make money. So, you spend a year chasing views and end up broke and burned out. You don't need a giant audience for this model to work.
你认为你需要一百万粉丝才能赚钱。于是，你花了一年时间追逐浏览量，最终却身无分文而且精疲力竭。这个模式不需要庞大的受众。
You just need the right relationship. So, let me give you a model that I teach my movement maker clients. Make a list of 50 people who could each be worth six or seven figures to your business.
你只需要正确的关系。那么，让我给你一个模式这是我教给我运动创客客户的。列出50个可能各自为你的企业带来六或七位数价值的人。
Not customers, connectors, people who already have the audience or the network that you really want to reach. I call it the money 50 list. Then instead of asking them for anything, you give first.
不是客户，而是连接者，是那些已经拥有你真正想要触达的受众或人脉网络的人。我称之为“金钱50人名单”。然后，与其向他们索取任何东西，不如先给予。
Invite them to be a guest on a simple show or podcast that you run. You record the conversation. You make them look great and you build a real relationship. I've had clients build sevenfigure businesses off of a channel with fewer than 50 targeted subscribers because they owned the relationships that mattered instead of chasing strangers and just views.
邀请他们做客一个简单的节目或你主持的播客。你录下这段对话。你让他们看起来很棒，并且建立了真正的关系。我有客户仅凭一个频道就建立了七位数的生意，而这个频道只有不到50个精准订阅者因为他们拥有那些关系那些重要的关系，而不是追逐陌生人和仅仅追求观看量。
And the give first move works because it changes your whole relationship dynamic. Everyone else is sliding into people's DMs and inboxes asking for their time, their money, their attention, a favor.
先付出的策略之所以有效是因为它改变了你整个关系动态。其他人都在私信和收件箱里找人索要他们的时间，他们的金钱、他们的注意力，帮个忙。
You show up offering to make them look good and put a light on their story. You're the only one giving instead of taking at the start. And that makes it different and unforgettable for them.
而你出现时，主动提出让他们看起来更出色并让他们的故事被更多人看到。一开始，你是唯一一个付出而非索取的人。而这会让它对他们来说与众不同且难以忘怀。
I had a client who did a version of this by simply offering free coaching on Instagram live just to show off what he knew. And in two weeks, he went from signing up two people to 55 in his high ticket program and scaled past a million dollars in just a few months.
我有一个客户做过这样的尝试仅仅通过在Instagram直播上免费提供辅导来展示他所知道的东西。而在两周内，他从只有两个人报名变成了55人加入他的高价课程并在短短几个月内突破了百万美元的规模。
He didn't have a huge following. He led with value and just let the right people come to him. So stop obsessing about your follower count. Picked a handful of people who can change your business.
他没有庞大的粉丝群。他以价值为导向，让合适的人主动来找他。所以别再纠结你的粉丝数量了。挑选少数能改变你业务的人。
Serve them, connect with them, and watch what happens. Quality relationships beats a giant audience every single
服务他们，与他们建立联系，然后看看会发生什么。优质的关系每次都胜过庞大的受众，
Step number five, stay lean on purpose. Here's something that nobody actually talks about. The goal is not to build the biggest company. The goal is to keep the most money and the most freedom.
第五步，刻意保持精简。有件事其实没人会谈论。目标不是建立最大的公司。目标是留住最多的钱和最多的自由。
So when you grow a giant team, you create a giant set of problems as well, right? Payroll, management, drama, overhead. The whole magic of this AI model is that you can make a fortune while staying small.
所以当你发展出一个庞大的团队时，你也会制造出一大堆问题，对吧？工资、管理、内耗、开销。这个AI模型的全部魔力就在于你可以在保持小规模的同时赚大钱。
That's the freedom of this model. You get to design a business around the life you actually want. You don't need a fancy office. You don't need a perfect website. You don't need a finished logo or a big brand to begin.
这就是这个模式的自由之处。你可以围绕自己真正想要的生活来设计一项事业。你不需要一间豪华办公室。你不需要一个完美的网站。你不需要一个完成的标志或一个大品牌就可以开始。
Multi-million dollar businesses have been launched with none of that. What you need is one clear offer. AI doing a ton of the work and a few great clients. Keep your cost near zero.
数百万美元的企业已经启动这些都没有。你需要的是一个明确的报价。人工智能完成大量工作，外加几个优质客户。让你的成本保持在接近零的水平。
Keep your team tiny or non-existent. And let the technology be your leverage. Lean is not the limitation here. Lean is your entire advantage. Think about what that actually buys you.
保持你的团队规模极小，甚至不存在。让技术成为你的杠杆。精益不是这里的限制。精益是你的全部优势。想想这实际能给你带来什么。
No to investors to answer to. No staff meetings. No rent. No payroll deadline hanging over your head every two weeks. When your costs are nearly nothing, you can survive a slow month.
无需向投资者交代。没有员工会议。没有租金。没有每两周悬在你头顶的工资发放截止日期。当你的成本几乎为零时，你就能挺过惨淡的一个月。
You can take a real risk. you can so have a client who says no or is not a fit for you anymore because you're not desperate to cover this giant overhead. That freedom is its own special kind of wealth and it's only possible because AI lets one person carry the load that used to need an entire team of employees.
你可以承担真正的风险。你可以接受客户说不或者不再适合你因为你并不急于支付这笔巨额开销。这种自由本身就是一种特殊的财富而这一切之所以可能，是因为人工智能让一个人就能承担起过去需要一整支员工团队才能完成的工作量。
The smaller the machine is that you build, the more money you get to keep at the end of the Step six, start before you're ready. Now, this is the one that actually decides who wins.
你打造的机器越小，在第六步结束时你能留下的钱就越多，在还没准备好时就开始。现在，这一条才是真正决定谁胜谁负的关键。
You can know all of these five steps above and still do nothing because you're waiting. Waiting to learn more, waiting for the perfect idea, waiting until you feel qualified. And while you wait, someone less talented than you is starting messy and figuring out as they go.
你可以了解以上所有这五个步骤但仍然什么都不做，因为你在等待。等待学到更多，等待完美的想法，等待直到你觉得自己够格。而当你等待时，某个比你才华更少的人正从一团糟开始，边走边摸索。
Tony Den didn't didn't wait until everything was perfect. He left a safe, high-paying job and started shipping small products in public, one after another, learning from each one as he went.
托尼·登并没有等到一切完美才开始。他放弃了一份安稳的、高薪工作，开始公开推出小产品，一个接一个，在过程中从每一个产品中学习。
He didn't get it right on the first try. He kept going. and getting it going is what eventually got it right. So here's here's your assignment this week. Not someday, this week. Pick your one problem.
他并不是第一次尝试就成功了。他坚持不懈。而让它运转起来，最终才让它变得正确。那么这是你这周的任务。不是某一天，就是这周。选一个你的问题。
Write down your one offer and have one real conversation with one person who might pay you for it. That's the whole start. Not a website, not a logo, not a business plan, not more research, one offer and one conversation.
写下你的一个提议，并进行一次真正的对话和一个可能为此付钱给你的人。这就是整个开始。不是网站，不是标志，不是商业计划，不是更多研究，一个报价和一次对话。
The AI tools are sitting there right now. More powerful than anything a billion-dollar company had even just a few years ago. and they're free or nearly free for you to use today. The only thing missing is deciding to move.
AI工具现在就在那里。比任何东西都更强大一家市值十亿美元的公司几年前甚至才刚刚做到。而如今你可以免费或几乎免费地使用它们。唯一缺少的就是下定决心去行动。
The window where this is wide open and uncrowded is right now. A year from now, a lot more people will have figured all of this out. The advantage belongs to the person who starts before it's obvious and that person can be you.
这个完全敞开且不拥挤的窗口期就是现在。一年之后，会有多得多的人把这一切都搞清楚。优势属于那种在事情变得显而易见之前就开始行动的人，而那个人可以是你。
So, the doors open right now and it will not stay open forever. The people who win this won't be the ones with the most money or the best degree. They'll be the ones who actually started while everyone else was sitting around wondering if it was real.
所以，机会之门现在打开了，但它不会永远敞开。赢得这一切的人不会是最有钱的那些人也不是拥有最好学历的人。而是那些真正开始行动的人在其他所有人还坐在一起琢磨这是不是真的的时候。
Pick one expensive problem, charge real money to solve it. Let AI do the work of the team. Build a few key relationships and stay lean. You do not need permission and do not need to feel ready because ready isn't real.
选择一个昂贵的问题，收取真金白银来解决它。让AI来完成团队的工作。建立几个关键关系，保持精简。你不需要许可，也不需要觉得准备好了因为准备好并不真实。
You just need to start today, right where you are and with what you have. If you're broke right now, it's not because you're lazy or because you're not smart enough. It's because the game was designed for you to lose and nobody ever handed you the real playbook.
你只需要从今天开始，就在你当前的位置，用你现有的条件。如果你现在身无分文，这不是因为你懒惰，也不是因为你不够聪明。这是因为游戏的设计就是让你输而且从来没有人给过你真正的游戏规则。
The Federal Reserve's own data shows the bottom 50% of Americans own just 2.5% of the wealth in the entire country. Which means half the people in the richest nation on earth are fighting over crumbs.
美联储自己的数据显示美国底层50%的人只拥有全国财富的2.5%。这意味着在这个地球上最富有国家里的一半人正在争夺残羹剩饭。
But 500 years ago, a ruthless Italian named Makaveli wrote down the cold, brutal strategies that the powerful were using to win and keep winning. And today, I'm handing you 10 of them.
但500年前，一个名叫马基雅维利的冷酷意大利人写下了那些冷酷、残酷的策略，那是权贵们用来赢并一直赢下去的手段。而今天，我要交给你其中10条。
Because the day you stop playing fair with a system that was never fair to you is the day everything starts to change. Let me tell you about a man named Ronald Reed. He grew up dirt poor on a farm in Vermont.
因为当你不再对一个从未公平对待你的体系讲求公平的那一天就是一切开始改变的那一天。让我跟你讲一个叫罗纳德·里德的人。他在佛蒙特州的一个农场里长大，一贫如洗。
So poor that he hitchhiked and walked miles just to get to school. He came home from the war and spent about 25 years pumping gas at a gas station. And then he worked as a janitor at C. Penney, sweeping floors for another 17 years.
穷到他得搭便车、走好几英里的路就为了去上学。他战后回到家乡在加油站加了大约25年的油，在一家加油站。之后他在C. Penney做清洁工，又扫了17年的地。
He never made much money in his life. He wore the same old flannel coat held together with safety pins and drove a beat up secondhand car. So when Ronald Reed died in 2014 at 92 years old, the people in his small town got the shock of their lives.
他一生都没挣多少钱。他穿着一件旧法兰绒外套，用安全别针别在一起开着一辆破旧的二手车。所以当罗纳德·里德于2014年去世，享年92岁时，他小镇上的人们都经历了人生中最大的震惊。
This quiet janitor had left behind an estate worth almost $8 million. He gave 4.8 million to his local hospital and 1.2 million to the library. How does a gas station attendant and a janitor die richer than most doctors?
这位安静的清洁工留下了价值近800万美元的遗产。他捐了480万给当地医院以及120万给图书馆。一个加油站员工和清洁工怎么会比大多数医生去世时还富有？
He spent less than he earned. He bought shares of boring solid companies and then he did the hardest thing of all. He waited for decades. He let his money quietly multiply while everyone around them spent theirs on stuff that fell apart.
他花的比赚的少。他买了一些乏味但稳健公司的股票然后他做了最难的事。他等了几十年。他让他的钱悄然增值而他们周围的人却把钱花在那些会散架的东西上。
He wasn't lucky. He wasn't a genius. He was patient. He was disciplined and that combination beats a giant paycheck every single time. Now, you might be thinking, "Okay, that's great for Ronald, but I'm living paycheck to paycheck.
他不是靠运气。他不是天才。他很有耐心。他自律，而这样的组合胜过丰厚的薪水，每一次都是如此。现在，你可能会想，“好吧，这对罗纳德来说很棒，但我正过着月光族的生活。
I can barely cover my rent. So, how am I supposed to build wealth from nothing left over at the end of the month?" Here's what's important to understand. Building wealth on a low income was never about how much you make.
我勉强才能付得起房租。那么，我该如何积累财富在月底什么都不剩的情况下？"重要的是要明白这一点。低收入者积累财富从来不是取决于你赚多少。
It's about strategy. And strategy is the one weapon that doesn't cost you a single dollar. A high income with no strategy goes away. You've watched broke celebrities and bankrupt lottery winners prove that a hundred times over.
这关乎策略。而策略是唯一一种武器不需要你花费一分钱。没有策略的高收入终将消失。你看过破产的名人和中彩票后破产的人证明了一百遍。
But a low income with brutal disciplined strategy compounds into actual real freedom. The amount you start with matters far less than the rules that you're playing by. And most people never learn the rules because the people who profit from you being broke don't want you to.
但低收入配上严苛自律的策略能复利成真正的自由。你起步时有多少钱远不如你所遵循的规则重要。而大多数人从未学会这些规则因为那些从你破产中获利的人不希望你学会。
So, let me give you the 10 moves Mchavelli would hand you if he were sitting here with you today. And fair warning, they're going to feel uncomfortable because comfort is the exact thing that's been keeping people broke.
所以，让我告诉你马基雅维利会交给你的10个招数如果他今天坐在你面前的话。提前警告一下，它们会让你感到不适因为舒适正是让人们一直贫穷的东西。
Number one, bet on your scale, never on your luck. So, Machaveilli split the whole world into two forces. There's Fortuna, which is luck, the random chaos that you don't control. And he said it rules maybe half of your life, and then there's virtue, the your skill, your foresight, your decisive action.
第一，赌你的规模，永远别赌你的运气。所以，马基雅维利把整个世界分成两种力量。有福尔图娜，也就是运气，那种你无法控制的随机混乱。他说，命运也许主宰了你一半的人生，然后是美德，你的能力，你的远见，你的果断行动。
And that's the half that you do control. Broke people spend their whole lives praying to Fortuna. They wait for the lottery ticket, the inheritance, the lucky break that's going to save them.
而这才是你能掌控的那一半。穷人一辈子都在向命运女神祈祷。他们等待彩票，等待遗产，等待那个能拯救他们的好运。
The strategist does the opposite. You pour everything into virtue and take command of what actually is in your hands. And the very first thing in your hands is information. So start tracking every single dollar that comes in and every single dollar that goes out starting today.
而战略家做的恰恰相反。你将一切倾注于美德，并掌控你手中真正拥有的东西。而你首先掌握的就是信息。所以从今天开始追踪进来的每一块钱和出去的每一块钱。
Most people who are broke generally have no idea where their money disappears to. and you cannot command an army that you cannot even see. So when you log every transaction for 30 days, you'll find the leaks, the subscriptions you forgot about, the little daily spends that quietly are bleeding you dry.
大多数破产的人通常不知道他们的钱消失到哪里去了。而你无法指挥一支你甚至看不见的军队。所以当你连续30天记录每一笔交易时，你会发现那些漏洞，你忘记了的那些订阅，那些每天悄悄让你失血的小额支出。
Plugging those leaks is the easiest money that you'll ever make. And it cost you nothing but a little bit of honesty. All progress begins with telling the truth, and that includes telling the truth about your money.
堵住这些漏洞是最容易赚到的钱你这辈子能赚到的。而这只需要你一点点的诚实，不费分文。一切进步都始于说出真相，这也包括坦诚面对你的财务状况。
And foresight is the part of virtue, too. The strategist doesn't just react to the month. He plays the long game. who sees the move 3 years out and acts on it today while everyone else is only thinking about Friday night.
而远见也是美德的一部分。战略家不只是对当月做出反应。他玩的是长线游戏。他能看到3年后的棋局，并在今天就采取行动而其他人只想着周五晚上。
You don't control whether you got dealt a bad hand, but you absolutely do control how you play it. Number two, see the game exactly as it is. Mechaveli's most powerful rule was to deal with the world as it actually is, not as you wish it were.
你无法控制自己是否被发到一手烂牌，但你绝对可以控制如何去打这手牌。第二点，看清事物的本来面目。马基雅维利最强大的法则是按照世界的真实面貌来应对它，而不是按照你希望的样子。
So, here is a cold reality. The financial system is not on your side. It is engineered to keep you spending and borrowing because your debt is somebody else's income. Buy now, pay later, 0% financing, credit card minimum payments.
所以，这里有一个冷酷的现实。金融体系并不站在你这边。它的设计就是为了让你不断消费和借贷，因为你的债务就是别人的收入。现在购买，以后付款，0%融资，信用卡最低还款额。
These things are all designed to look harmless while they quietly drain you for years. So, you fight back with what I call rich math. Never ever judge a purchase by its monthly payment.
这些东西都被设计得看起来无害，却在悄无声息地榨取你多年。所以，你用我称之为富人数学的方式来反击。永远不要用月供来评判一笔消费。
Judge it by its full total real cost. The system trains you to ask, "Well, what's the monthly payment?" Because that little number, it hides the damage. The wealthy ask, "What does this actually cost me in total?
要用它的完整实际总成本来评判。这个系统训练你去问：“那么，月供是多少？”因为那个小数字，它掩盖了真正的损害。富人会问：“这到底总共要花我多少钱？
And what could that same money become if I invested it instead?" And then you hunt down your highinterest debt and you destroy it like your future depends on it. Every dollar you pay in interest is a soldier that is fighting for the other side.
而同样这笔钱能变成什么如果我把它拿去投资的话？”然后你要找出你的高息债务并像你的未来全靠它一样将其消灭。你支付的每一美元利息都是一名士兵正在为对方阵营作战。
Take those soldiers back. Number three, build walls of discipline, not willpower. So a brutal truth about human beings that Machavelli understood 500 years ago is that people are weak under pressure.
把那些士兵带回去。第三点，建立纪律的城墙，而不是靠意志力。所以关于人类的一个残酷真相马基雅维利在500年前就明白的是人在压力下是脆弱的。
Your willpower will absolutely collapse the moment when something gets hard and life always gets hard. That's why he never trusted good intentions. He trusted strong walls. So stop relying on motivation to save money because motivation is the most unreliable thing that you can do on your own.
你的意志力绝对会在那一刻崩溃当事情变得艰难时，而生活总是充满艰难。这就是为什么他从不相信美好的意图。他相信坚固的城墙。所以不要再依赖动力来存钱了因为动力是最不可靠的东西你可以自己做到。
Build the wall instead. The very moment that money hits your account, automate a transfer that pulls a set amount into a separate savings account before you can even think about it.
不如建一堵墙。就在钱到账的那一刻，自动转账一笔固定金额到一个单独的储蓄账户在你还没来得及想之前。
Then make that account painful to reach. No debit card attached to it. Delete the app off your phone. The goal is to make saving completely automatic and make spending that money a genuine hassle.
然后让那个账户难以触及。不要关联借记卡。从手机上删除该应用。目标是让储蓄完全自动化并让花这笔钱变得真正麻烦。
You pay yourself first before a single bill, before a night out. When the structure does the work, your weak moments can't sabotage you anymore. Number four, move in complete silence.
在任何账单之前，先付钱给自己，在晚上出去玩之前。当结构发挥作用时，你脆弱的时刻就无法再破坏你了。四号，行动时保持绝对安静。
Machaveli knew that the moment that you reveal your strength, you paint a target on your own back. The same thing is true with money. The second the people around you, they sense that you've got some, they all want a piece of it.
马基雅维利知道，那一刻一旦你展露实力，就等于在自己背上画了个靶子。金钱也是同样的道理。你周围的人一察觉到你手头有点钱他们都想分一杯羹。
Family starts asking for loans, friends expect you to grab every check. And worst of all, you feel this pressure to prove it with a new car or flashy wardrobe. So, you do the opposite of what your ego wants.
家人开始找你借钱朋友指望你抢着买单。而最糟糕的是你感到有种压力要去证明用新车或光鲜的衣着。所以，你要做出与自我欲望相反的事。
You build your wealth in total silence. You let your money be present but completely invisible. Drive the modest car for a few more years. Keep the quiet apartment. Wear the regular clothes.
你在完全的沉默中积累财富。你让你的钱存在，但完全隐形。把那辆普通的车再开几年。留着那间安静的公寓。穿普通的衣服。
Let your bank account grow while your lifestyle barely changes. The broke person spends to look rich. The strategist looks ordinary on purpose and gets rich for real. Think about Ronald Reed again.
让你的银行账户增长而你的生活方式几乎不变。穷人花钱装富。而战略家故意显得普通却真正变得富有。再想想罗纳德·里德。
The whole town thought he was just a poor old janitor right up until the day he died. And that invisibility, that was a superpower because nobody ever came asking for a handout and nobody ever pressured him to keep up.
整个小镇都以为他不过是个穷困的老清洁工，直到他去世的那一天。而那种不起眼，恰恰是一种超能力，因为从来没有人来找他讨要施舍，也从来没有人逼他跟上别人的步伐。
Every dollar you don't spend impressing strangers is a dollar that stands guard growing your army. Let them underestimate you. The quiet ones are the ones who win. Number five sees assets don't rent out your hours.
你每省下一块不用来讨好陌生人的钱都是一块钱为你站岗，壮大你的军队。让他们低估你。安静的人才是赢家。五号明白资产，不要出租你的时间。
The 99% trade their time for money. And that's exactly why 99% of people don't get rich. There are only 24 hours in a day. Everybody has the same 24 hours. So when you sell your hours, your income has a hard ceiling no matter how hard you're working.
99%的人用时间换钱。这正是99%的人无法致富的原因。一天只有24小时。每个人拥有的都是同样的24小时。所以当你出卖自己的时间时，你的收入就存在一个硬性上限，无论你多么努力。
Mchaveli respected those who seize territory and held it. And in the money game, your territory is assets, the things you own that make money whether you show up or not. So shares of solid companies like Ronald Reedbot, a small piece of real estate down the road, a digital product you build once and sell a thousand times.
马基雅维利尊重那些夺取领土并守住它的人。而在金钱游戏中，你的领土就是资产，那些无论你是否出现都能为你赚钱的东西。所以像罗纳德·里德博特这样稳健公司的股票，沿路的一小块房地产，一个你构建一次就能卖出一千次的数字产品。
This is where the pay yourself first money goes. Not into savings account to rot, but into ownership. So stop thinking like a worker who rents out your hours and start thinking like an owner who buys things that pay you.
这就是先付钱给自己的资金去向。不是放进储蓄账户里烂掉，而是投入所有权。所以，别再像出租自己时间的打工者那样思考，而要像购买资产的拥有者那样思考，让那些资产为你赚钱。
Every dollar you put into an asset is another soldier you send out to work 24 hours a day. And unlike you, that soldier never sleeps and never quits. Number six, be ruthless about your generosity.
你投入资产的每一美元都是你派出的另一名士兵一天24小时不停地工作。而与你不同，那名士兵从不睡觉，也从不放弃。第六点，在慷慨这件事上要果断无情。
This one might sting, but you might need it. Mchavelli warned that generosity given carelessly will bankrupt the giver and breed entitlement in everyone around them. So when you're building wealth or on a low income, you simply can't be the personal bank account for your entire circle.
这话可能有点扎心，但你可能需要听听。马基雅维利警告说，轻率地给予慷慨会让给予者破产，并在周围所有人心中滋生理所当然的索取心态。所以，当你在积累财富或收入微薄时，你根本不可能成为你整个圈子的私人银行账户。
Giving money out of guilt drains your reserves and also trains people to depend on you instead of building things for themselves. So you give with strategy, not with guilt. Give when it actually builds something, when it lifts someone towards standing up on their own, not when you're being pressured into doing it.
出于内疚而给钱会耗尽你的储备还会让人习惯于依赖你而不是自己去建立东西。所以你要有策略地给予，而不是出于内疚。在真正能建立东西的时候给予，在能帮助别人自立的时候给予，而不是在被逼迫的时候给予。
Protect your capital the way that the general guards a treasury that funds the entire war. Because the thing that people don't say is staying broke so that you can rescue everybody else doesn't actually help anybody.
保护你的资本，就像将军守卫国库那样那国库为整场战争提供资金。因为人们没有说出口的是，一直身无分文以便你能拯救其他所有人实际上帮不了任何人。
Get strong first. A wealthy you can help a 100 people for the rest of your life. A broke you can't even help yourself. And it definitely can't help them. So it's the put your own oxygen mask on first before trying to save the whole plane.
先让自己强大起来。富有的你可以余生帮助100个人。身无分文的你连自己都帮不了。更绝对帮不了他们。所以这就是先戴好自己的氧气面罩再去拯救整架飞机。
Number seven, build the machine then master one thing first. So the wise don't chase money around all day. They build a machine that commands money to come to them. Ronald Reed built a quiet machine out of dividend stocks that paid him whether he was awake or asleep.
第七点，先构建好机器，然后先掌握一件事。所以智者不会整天追逐金钱。他们建造了一台机器，命令金钱向他们涌来。罗纳德·里德用股息股票建造了一台安静的机器，无论他是醒着还是睡着，它都会付钱给他。
So the goal becomes to build an automated income that doesn't depend on your sweat. But listen to this carefully because a lot of people get this wrong. So don't try to build five machines at once.
因此，目标就变成了建立一种自动化收入，它不依赖于你的汗水。但请仔细听好因为很多人都搞错了这一点。所以不要试图同时建造五台机器。
When you're starting out, the path to wealth is almost never multiple streams of income. It's not. Look at people's stories. It's not. It's becoming absolutely killer at one single thing.
当你刚开始时，通往财富的道路几乎从来都不是多种收入来源。不是的。看看人们的故事。不是的。它在单一领域变得极具杀伤力。
The people who chase five side hustles all at the same time usually do five of them really badly and burn out with nothing to show for themselves. So pick one skill, one asset, one stream, and you master it until it actually pays you.
那些同时追逐五份副业的人通常会把五件事都做得很糟最终精力耗尽，却一无所获。所以，选定一项技能，一项资产，一条收入来源，然后精通它，直到它真正为你带来回报。
Then and only then you can take that money and start building the next machine. Like the expression goes, one blade sharpen to a razor's edge beat 10 dull blades every single time.
只有到那时，你才能拿走那笔钱并开始建造下一台机器。就像那句俗话说的，一把磨到锋利如剃刀边缘的刀片每次都能击败10把钝刀片。
Number eight, pay for speed. Here's a strategy that feels completely backwards when money is tight, but it's actually how achievers win. Achievers pay for speed. So when you're broke, your instinct is to figure everything out for yourself for free.
第八点，为速度付费。这里有一个听起来完全反常识的策略当资金紧张时但这恰恰是成功者的制胜之道。成功者愿意为速度付费。所以当你身无分文时，你的本能是什么都自己搞定免费地。
But figuring out a loan can cost you years and a mountain of actually expensive mistakes. The single smartest investment a low income person can ever make on their own is into skills and knowledge.
但搞懂贷款可能会耗费你数年时间以及堆积如山的、实则代价高昂的错误。低收入者能做的最明智的一笔投资靠自己就能做的就是投资于技能和知识。
It's into yourself. Because your ability to earn is the one asset that no stock market crash can wipe you out and no thief can ever steal from you. A $30 book or an online course that teaches you a skill which raises your income for the rest of your life is the highest return you can make on earth.
就是投资于你自己。因为你的赚钱能力是唯一一种资产任何股市崩盘都无法将其抹去也没有任何小偷能将它从你身上偷走。一本30美元的书或一门在线课程，教你一项技能能在你的余生中提高你的收入这是你能在世上获得的最高回报。
It's not even close. Look at it this way. If you spend three years struggling alone to learn something an expert could have taught you in 3 months, that lost time isn't free. It's the most expensive thing that you'll ever buy and you paid for it with time out of your life.
其他任何东西都远远比不上。这样看吧。如果你花三年独自挣扎去学一样东西而专家本可以在3个月内教会你，那失去的时间并非没有代价。它是你买过的最昂贵的东西而你是用生命中的时间来支付的。
So before you try to invest in anything else, invest in your own earning power first. Sharpen the one tool that produces all the others, which is you. Number nine, speak like someone who selects, not someone who begs.
所以在你尝试投资其他任何东西之前，先投资于你自己的赚钱能力。磨砺那个能创造所有其他工具的工具，那就是你自己。第九，像挑选者那样说话，而不是像乞求者那样。
Mchavelli understood that power is established by how you carry yourself. So show weakness and dependency and the world will exploit you every time. So watch how you speak about money.
马基雅维利明白，权力是通过你如何为人处世来确立的。所以，显露软弱和依赖世界每次都会利用你。所以，注意你谈论金钱的方式。
Broke people speak like applicants, hoping, asking, begging for a shot. Wealthy people speak like they select, like they're the prize, choosing who gets access to them. You have to retrain your own thinking and language.
穷人说话像求职者，满怀希望、请求、乞求一个机会。富人说话像在挑选，仿佛他们才是奖品，决定着谁能接近他们。你必须重新训练自己的思维和语言。
when you sit down to negotiate a salary, a rate, a price, a deal, you communicate from a place of authority and calm value, even if you don't have a ton of money in your bank account.
当你坐下来谈判薪水时，一个费率、一个价格，一笔交易时，你要从权威和沉着自信的价值感出发去沟通，即使你的银行账户里没有很多钱。
So, stop saying, "I was hoping for," and start saying, "Well, my rate is." Stop apologizing for your prices. Learn to say a number and then go completely silent and let it sit there because the person who speaks first in negotiation usually loses.
所以，不要再这样说：“我希望得到”，而要开始这样说：“嗯，我的费率是。”不要再为你的价格道歉。学会说出一个数字，然后完全沉默让它悬在那里，因为那个人在谈判中先开口的人通常会输。
People will always pay more to someone who carries themselves like they're worth more. And remember, raising your income is the single fastest accelerant on this entire list, and it very often starts with nothing more than how you talk about your own Number 10, strike now while everyone else is hesitating.
人们总是愿意付更多钱给那些举手投足间显得自己更有价值的人。记住，提高你的收入是唯一最快的加速器在这整份清单上，而它往往仅仅始于你如何谈论自己的10号，趁其他人还在犹豫时，现在就出击。
Machaveli said, "Fortune favors the bold and that wealth grows in the exact spot where hesitation dies." The number one reason people stay broke for their whole life isn't a lack of money.
马基雅维利说过：“命运眷顾勇者而财富恰恰增长于犹豫消亡之处。”人们一辈子都穷困潦倒的首要原因并不是缺钱。
It's waiting. Waiting for more money to start. Waiting for more time to start. waiting for the perfect moment that is never ever coming. So, let me be as clear as I can on this. Don't wait for permission.
而是等待。等待有更多的钱才开始。等待更多时间开始。等待永远不会到来的完美时刻。所以，让我尽可能说清楚这一点。不要等待许可。
Don't wait to feel ready because ready is fake. You start with whatever you have in your hands right now. Invest $20 this week. Open the account today. Track your first dollar tonight.
不要等到感觉准备好，因为准备好是假的。用你此刻手头拥有的一切开始。本周投资20美元。今天就开户。今晚追踪你的第一美元。
Here's how it works. You get rich slowly and then you get rich suddenly because the slow part only ever begins the moment you decide to start. The best time they say right to plant the seed was 20 years ago.
它是这样运作的。你会慢慢变富，然后突然变富因为缓慢的部分只会开始在你决定开始的那一刻。他们说种下种子的最佳时机是20年前。
The second best time is now. How about it right The story they'll tell about you. The fact that you're starting with less isn't the thing that disqualifies you. It's actually the thing that's going to make your story pretty remarkable.
第二好的时机就是现在。怎么样，他们要讲关于你的故事。你起步时条件较差，这并不是让你失去资格的原因。实际上，正是这一点会让你的故事变得相当非凡。
Ronald Reed proved that a quiet janitor can outbuild a millionaire. And if a man with a safety pin that holds his coat together can do it, so can you. You have the ability. So now you have the responsibility to actually use it.
罗纳德·里德证明了，一个安静的清洁工能比百万富翁积累更多财富。如果一个用安全别针把外套别在一起的人都能做到，你也能。你有这个能力。所以现在你有责任真正去运用它。
Wealthy parents raised their kids to run money like a business owner long before they ever hand them a single dollar. Your children are learning about the world through you and more through your actions than through your words.
富有的父母培养他们的孩子像企业主一样管理金钱远在他们给孩子一分钱之前。你的孩子通过你来了解这个世界更多是通过你的行动，而不是你的言语。
You know, from the moment they're born, you're their natural teacher. Should I tell my little beautiful girl 6, seven years old, should I keep telling her that one day her glass slipper is going to fall off and a prince is going to rescue her or a prince is going to slay a dragon and rescue her?
你知道，从他们出生的那一刻起，你就是他们天生的老师。我该告诉我美丽的小女孩，6岁，七岁，我该继续告诉她有一天她的水晶鞋会掉落然后一位王子会来拯救她或者一位王子会杀死一条龙并拯救她吗？
I want to teach her how to sell glass slippers or make them for her friends or own the the slipper factory. And I want the prince to go, damn, who owns this factory? A University of Cambridge study found that your money habits are mostly locked in by the age of seven.
我想教她如何卖水晶鞋或者为她的朋友们做鞋，或者拥有那家鞋厂。我希望王子会说，靠，这家工厂是谁的？剑桥大学的一项研究发现你的金钱习惯大多在七岁时就已定型。
When that goes down in value, this will naturally the real estate will naturally go up in value. So that's why I tell you, don't lose my property if something happens to Papa. Okay?
当那贬值时，这自然会使房地产自然会升值。所以这就是为什么我告诉你，如果爸爸出了什么事，别弄丢我的财产。好吗？
Do not lose your property. Do not lose it. Take care of the property. I'm not the dad who just brings home presents. When my kids want something, it's like, okay, how are you going to earn it?
不要失去你的财产。不要失去它。照顾好财产。我不是那种只带礼物回家的爸爸。当我的孩子们想要什么东西时，我就会说，好吧，你打算怎么靠自己去争取？
I've tried to make it so that they understand that in order to get something, you have to work for it. So, the lessons you teach at your own dinner table this year will still be steering your family's decisions 40 years from now in the hands of people who aren't even born yet.
我一直努力让他们明白想要得到什么，就得为之付出努力。所以，今年你在自家餐桌上教导的课程仍将指引你家人的决定四十年后，在尚未出生之人的手中。
The government is not responsible for educating your children. Okay? Neither are the celebrities, the rappers, or the media. It's not their job to teach your kids Even trying to teach my oldest girls, I have three girls about money.
政府没有责任教育你的孩子。明白吗？名人、说唱歌手或媒体也不是。教导你的孩子不是他们的职责即使试着教我最大的几个女儿，我有三个女儿关于金钱。
I realized that I didn't teach them the right I taught him some lessons. You want to you want a car, go work, I will match that. I was teaching her work ethic, which is great. Back in the 1760s, a young man named Meer Amshell Rothschild was running a tiny coin and trading business out of a cramped house in the Frankfurt ghetto.
我意识到我没有教给她们正确的我教了他一些教训。你想，你想要一辆车，去工作，我会满足你。我在教她职业道德，这很好。回到18世纪60年代，一个名叫米尔·阿姆谢尔·罗斯柴尔德的年轻人经营着一家小小的钱币和交易生意在法兰克福犹太人聚居区一间拥挤的房子里。
He had almost nothing. No connections, no fortune, no family name that opened doors for him. What he had was five sons and a single obsession. He was going to teach those boys how money actually moves through the world.
他几乎一无所有。没有人脉，没有财富，没有能为他打开大门的家族姓氏。他所拥有的，是五个儿子和一个唯一的执念。他打算教那些男孩金钱在世界上究竟是如何流动的。
So he did something that nobody had done before. As each son grew up, he sent them out to a different city. Amshell stayed in Frankfurt. Nathan went to London. James went to Paris.
于是他做了一件前所未有的事。每个儿子长大后，他就把他们送到不同的城市去。阿姆谢尔留在了法兰克福。内森去了伦敦。詹姆斯去了巴黎。
Solomon went to Vienna. Carr went to Naples. Five sons, five cities, one system. He didn't hand them money and wish them, you know, good luck. He taught them to run banks, to lend, to move cash across borders faster than anyone alive and to share every piece of information with each other.
所罗门去了维也纳。卡尔去了那不勒斯。五个儿子，五座城市，一个体系。他没有给他们钱，然后祝他们好运。他教他们经营银行，教他们放贷，教他们以比任何在世的人都快的速度跨境转移现金，并教他们彼此分享每一条信息。
So, the whole family got smarter together. In 1810, he made it official and signed his three oldest sons into a formal partnership. The family crest became five arrows held together, one for each brother, because his rule was simple.
于是，整个家族一起变得更聪明了。1810年，他将此事正式确立并让他的三个最年长的儿子签署一份正式的合伙协议。家族徽章变成了五支箭束在一起，每支箭代表一个兄弟，因为他的规则很简单。
Alone you snap, together you hold. And the Rothschild family stayed wealthy for more than 200 years, two centuries through wars and crashes and revolutions that wiped out almost every other rich family of the time.
单箭易折，众箭难断。而罗斯柴尔德家族保持了富有长达200多年，两个世纪，历经战争、崩溃和革命这些几乎消灭了当时所有其他富裕家族。
It wasn't the gold that lasted because gold gets spent. It was the education. Meer Amshaw didn't leave his kids a pile of money. He left them the ability to make it, to keep it, and to grow it.
持续下来的不是黄金，因为黄金会被花掉。而是教育。米尔·阿姆肖没有给他的孩子们留下一大笔钱。他留给他们的是赚钱、守财和让财富增值的能力。
And that ability got handed down like a family heirloom. Now, you might be thinking, "Okay, well that's a nice story about a banking dynasty." But you don't have a trust fund or family bank sitting in the other room.
而这种能力就像传家宝一样代代相传。现在，你可能会想，“好吧，那是一个关于银行王朝的好故事。”但你没有信托基金或家族银行在另一个房间。
You're just trying to raise good kids and pay your own bills. But here's the thing. The Rothschilds weren't powerful because they had money and then they taught their kids. They taught their kids and that's how the money showed up and stayed in the family.
你只是想养好孩子，支付自己的账单。但事情是这样的。罗斯柴尔德家族并非因为有钱才强大而是因为他们教育了自己的孩子。他们教育孩子，财富才随之而来并留在了家族内部。
The lessons came first. And every single lesson I'm about to give to you right now in this video cost you nothing. You don't need to be rich to teach your kids how the rich think. You need a few dollars, a kitchen table, and the willingness to have conversations your own parents probably were too scared to have.
教训在先。我接下来要教给你的每一堂课在这个视频里都是免费的。你不需要很有钱才能教你的孩子富人如何思考。你只需要几块钱，一张餐桌，以及愿意进行对话的意愿而你自己的父母可能太害怕而不敢进行的对话。
If you can do that, then you have a responsibility to do it because your kids are learning about money right now, whether you're teaching them on purpose or not. So, let's make sure that they are learning the right things right now with this video.
如果你能做到这一点，那么你有责任去做因为你的孩子现在正在学习关于金钱的知识，无论你是否在刻意教他们。所以，让我们确保他们学到的是正确的东西现在就通过这个视频。
Teach them the one money rule school will never mention. So, here's the first thing wealthy families drill into their kids, and it's so simple that a six-year-old can get it. An asset is anything that puts money into your pocket.
教他们学校永远不会提到的那条金钱法则。那么，富有的家庭最先灌输给孩子的是这一点，它非常简单，连六岁的孩子都能明白。资产就是任何能把钱放进你口袋里的东西。
A liability is anything that takes money out of your pocket. That's it. That's the whole game. And the reason it matters so much is that the school system and most of the world will teach your kids the exact opposite.
负债就是任何能把钱从你口袋里拿走的东西。就是这样。这就是整个游戏。而它之所以如此重要，是因为学校体系和世界上大多数地方会教给你的孩子完全相反的东西。
You'll hear people call a fancy car an asset. You'll hear people say your house is your biggest asset. But walk your kid through it. Does the car put money in your pocket every month or does it take money out for gas and insurance and repairs?
你会听到人们把豪车称为资产。你会听到人们说你的房子是你最大的资产。但带着你的孩子一起过一遍。这辆车每个月是往你口袋里放钱还是从你口袋里掏钱用来加油、买保险和维修？
It takes money out. So under this rule, it's a liability. Even the family home, as long as you're the one living in it and paying that mortgage, is pulling cash out of your pocket every single month for the bank.
它是从你口袋里掏钱。所以按照这个规则，它是一项负债。即便是自住房，只要住在里面、还着房贷的人是你，它就在从你口袋里掏钱，每个月都在为银行掏钱。
It's actually the bank's asset because you're the one sending them a payment every month. This one idea rewires how a kid sees the entire world. Teach them to spend their life filling up the asset columns first.
它实际上是银行的资产，因为每月往他们那儿送钱的是你。就这一个观念，就能重塑一个孩子看待整个世界的方式。教他们把一生花在先填满资产栏上。
Things that pay them a few shares of a solid company, a little side business, a skill people will pay for. Make it real for them. Say your kid saves up 200 bucks. One kid spends it on a video game, which is fun for a week and then just sits there.
能让他们获得稳健公司一些股份的东西，一个小副业，一项人们愿意为之付费的技能。让这些对他们来说变得真实。假设你的孩子存了200块钱。一个孩子把它花在了一款电子游戏上，它好玩一个星期，然后就闲置在那里了。
Another kid spends $200 on a used lawn mower and starts cutting three neighbors lawns for 25 bucks each. By the end of the summer, the second kid has earned back their $200 many times over and they still own the mower.
另一个孩子花200美元买了一台二手割草机然后开始给三个邻居割草，每家收25美元。到夏天结束时，第二个孩子已经赚回了远超200美元的钱而且他们仍然拥有那台割草机。
Same $200. One choice fed them, the other choice ate itself. When a kid can see the difference with their own eyes, it starts to stick with them for life. And once those assets are big enough to throw off real cash, the fancy stuff can come paid for by the asset instead of their paycheck.
同样是200美元。一个选择养活了他们，另一个选择吞噬了自己。当孩子能亲眼看到差别时，它就会伴随他们一生。而一旦这些资产足够大到能产生可观的现金，那些花哨的东西就可以由资产来支付，而不是靠他们的工资。
Your purpose comes from your pain. That's what I believe. And a lot of grown adults are in financial pain right now for one reason. Nobody ever taught them the difference between something that feeds them and something that eats them.
你的使命源自你的痛苦。这就是我所相信的。而现在很多成年人正深陷财务痛苦之中原因只有一个。从来没有人教过他们两者的区别一个是滋养他们的东西，一个是吞噬他们的东西。
So give your kid that one rule and you've already put them ead of most adults walking around
所以给孩子定下这一条规则你就已经让他们领先于周围大多数成年人了
Pay commissions, not allowances. So a set allowance every week for doing basically nothing teaches a kid that money just shows up. Cash flow teaches the opposite. Money comes when you create value.
支付佣金，而不是零花钱。所以每周固定给零花钱基本上什么都不用做就教会了孩子钱就是会自动出现的。现金流教的是相反的。当你创造价值时，金钱就会到来。
So turn your home into a tiny business. There's a great framework called the three E. Expectations are the things you do for free because you're part of the family, like making your bed, clearing your plate.
所以把你的家变成一个小型企业。有一个很棒的框架叫做三个E。分内事是你免费做的事因为你是家里的一分子，比如整理床铺，清空盘子。
Nobody gets paid for those. Expenses are things a kid now pays for themselves out of their own money, like their own toys and games and weekend outings. And that shift is powerful because now they have a real reason to earn instead of just asking you.
这些没人会付钱。开销是孩子现在要自己用自己的钱付的东西，比如他们自己的玩具、游戏和周末外出。而这种转变很有力量因为现在他们有了真正的理由去赚取，而不是仅仅向你索要。
And extra pay is the money they earn by doing real jobs above and beyond. So those jobs come in two flavors. Action gigs are physical work like cleaning the garage, pulling weeds, reorganizing the pantry.
额外报酬就是他们赚到的钱通过完成超出本职工作的实际任务。所以这些任务分为两种类型。行动类杂活是体力劳动，比如打扫车库，拔杂草、重新整理食品储藏室。
Brain gigs are thinking work like planning the family's next trip on a strict budget, learning a new language, hunting down every subscription the family's paying for and canceling the dead ones.
脑力类杂活是思考型工作比如在严格预算下规划全家下一次旅行，学习一门新语言，找出家里正在支付的每一项订阅服务并取消那些没用的。
See what that does? One kid learns to work with their hands and the other learns to solve problems and save the household real money. Both are earning. Neither is waiting for a handout.
看看那会带来什么效果？一个孩子学会动手做事另一个孩子学会解决问题并为家庭省下真金白银。两人都在挣钱。谁都没有等着别人施舍。
In our YouTube mastermind group, we have a member called Dr. Shauna. She was a doctor who took this to another level. She was working a 100 hours a week at a hospital with five young kids.
在我们的YouTube智囊团里，有一位成员叫肖娜博士。她曾是一名医生，把这提升到了另一个层次。她每周在医院工作100个小时还带着五个年幼的孩子。
And instead of an allowance, she put her children on commission, ages five, seven, and eight. She paid them $10 every time she closed a new client. So they had a reason to stay quiet and helpful during her sales calls.
她没有给孩子们零花钱，而是让他们按提成拿钱，分别五岁、七岁，和八岁。每次她签下一个新客户，就给他们每人10美元。这样他们就有理由保持安静、帮忙，在她打销售电话时。
She paid them $10 for every book that they read. So those kids grew up fascinated by the business. And today, they help run it with her. She didn't just raise kids, she raised them to be business partners.
她每读一本书就付给他们10美元。所以这些孩子从小就对这个行业着迷。如今，他们和她一起帮助经营这个行业。她不只是养大了孩子，她还把他们培养成了商业伙伴。
That's a great start. And you can start even smaller than cheated. Pay your kids for the lemonade stand, the car wash, the little gig. What you're really teaching is that they are the ones who turn effort into income for the rest of their lives.
这是个很好的开始。而且你可以从比作弊更小的事情开始。为孩子们摆柠檬水摊付钱，洗车，做点小活儿。你真正在教给他们的是，他们才是那些人，在余生中把努力转化为收入的人。
Build a family bank instead of handing out cash. Okay, so this is a move that kept the Rothschilds rich for 200 years and you can run a tiny version of it in your own home. So, when your kid needs money for something big, a first car, first business, a first apartment deposit, don't just give it to them.
建立一个家庭银行，而不是直接给现金。好的，所以这是一个策略让罗斯柴尔德家族富裕了200年你可以在自己家里运行这个策略的微缩版。所以，当你的孩子需要钱做一些大事时，第一辆车，第一份事业，第一套公寓的押金，不要只是把钱给他们。
And don't just send them straight to a credit card company at 20% interest, become their bank. Loan them with a real written, simple agreement and charge them a fair interest rate.
也不要直接把他们送到信用卡公司以20%的利息，成为他们的银行。借给他们一份真正书面的，简单的协议，并向他们收取公平的利息。
Here's why this becomes so powerful. When your kid borrows $10,000 from a bank and pays back $2,000 in interest, that $2,000 walks out of your family forever. When they borrow it from you and pay you that $2,000, the money stays inside your family and you can lend it out again.
这就是为什么这会变得如此强大。当你的孩子从银行借一万美元并偿还两千美元利息时，那两千美元就永远离开了你的家庭。当他们从你这里借走并还给你那2000美元时，这笔钱就留在了你的家族内部，你可以再把它借出去。
Rich families do this on purpose so the interest keeps circling back home instead of feeding an outside bank. Run the math out and it starts to get wild. If a family keeps around $185,000 of interest inside the family instead of paying it to outside banks and lets that grow at 6% for 20 years, it turns into $600,000.
富裕家族有意这样做，这样利息就能不断回流到家里，而不是喂给外面的银行。把账算下去，数字就开始变得惊人了。如果一个家庭保留大约185,000美元的利息在家庭内部而不是把它付给外部银行并让这笔钱以6%的速度增长20年，它就会变成600,000美元。
That's money the grandkids can borrow from someday built entirely out of the interest the family would have handed to strangers. And they attach one more thing to it, accountability.
这笔钱将来孙辈们可以从中借款完全是由利息积累而成而这些利息本是这个家庭要交给外人的。而且他们还为此附加了另一样东西：问责机制。
The Rothschild had a rule that family members had to show up to the family meetings and if you didn't show up, you got locked out of the family bank. No conversation, no capital. So, you're teaching your kid that money and responsibilities go together.
罗斯柴尔德家族有一条规矩，家族成员必须出席家族会议如果你不出席，你就会被排除在家族银行之外。没有商量余地，没有资金。所以，你是在教你的孩子，金钱和责任是相辅相成的。
Always being leads to doing. So, when a kid starts to see themselves as someone who borrows smart, pays back on time, and keeps their word, they start acting like that person in every part of their life,
始终如一，方能成就行动。所以，当一个孩子开始把自己看作一个借钱讲信用的人，按时还款，说到做到，他们就会开始像那样的人一样行事，在生活的方方面面都是如此，
Turn your kids into a tax-free employee. If you own any kind of business, even a really small side hustle, this one is huge and almost nobody uses it. You're allowed to hire your own kids for real legitimate work.
把你的孩子变成免税的员工。如果你拥有任何类型的生意，即使是非常小的副业，这一点非常重要，但几乎没有人利用它。你可以雇佣自己的孩子从事真正合法的工作。
Filming your videos, handling your social media, stuffing envelopes, cleaning your rental apartment, and you can pay them a real wage that is a tax deduction for your business and up to a certain amount each year completely taxfree for them.
拍摄你的视频，管理你的社交媒体，装信封、打扫你出租的公寓，而且你可以付给他们真正的工资这对你的企业来说是可以抵扣税的而且每年不超过一定金额对他们来说完全免税。
So the same dollar that would have been taxed on its way to you goes to your kid instead taxfree while teaching them to actually work. Then take it one step further. Have them put some of those earnings into a custodial retirement account.
所以同样的钱本来会在到你这儿的路上被征税现在免税地给了你的孩子同时还教会他们真正地工作。然后再进一步。让他们把其中一部分收入存入一个托管退休账户。
A kid who starts investing even a few hundred at age 10 has something an adult can never buy back. Decades of compounding. Time is the one asset you cannot make more of and your kid has more of it than anyone.
一个10岁就开始投资，哪怕只有几百块的孩子拥有某种成年人永远无法买回的东西。数十年的复利。时间是你唯一无法制造更多的资产而你的孩子拥有比任何人都多的时间。
Ready isn't real. So don't wait for them to be older or for the amount to be bigger. a 10-year-old earning 15 bucks an hour to help you learning to save and invest a piece of it is getting a real financial education that a $60,000 college degree won't give them.
准备好了并不真实。所以不要等他们长大一些，或者等金额变得更大。一个10岁的孩子每小时赚15美元来帮助你学会储蓄并将其中的一部分用于投资正在获得真正的财商教育这是6万美元的大学学位无法给予他们的。
And there's a awesome hidden lesson inside it that matters even more than the money. Your kid gets to watch you treat them like a real contributor, someone whose work actually has value.
而且其中还蕴含着一个绝妙的隐藏教训这比金钱更重要。你的孩子会看到你把他们当作真正的贡献者来对待，一个其工作真正有价值的人。
That does something to a child. They start to carry themselves like a person who builds, not somebody who's begging for money. The paycheck might be small, but what it does to their self-belief is not.
这对孩子会产生深远的影响。他们开始表现得像一个建设者，而不是一个乞讨金钱的人。薪水可能微薄，但它对自信心的影响却并非如此。
Raise a steward, not a spender. Warren Buffett is worth over 100 billion, and he decided long ago that his kids would get almost none of it. He famously said that the perfect amount to leave your children is enough that they feel they can do anything, but not so much that they can do nothing.
培养一个管家，而不是一个挥霍者。沃伦·巴菲特的财富超过1000亿，他很久以前就决定他的孩子们几乎一分都得不到。他有一句名言说留给子女的理想金额是足以让他们觉得自己能做任何事，但又不多到让他们什么也不做。
He wasn't trying to be cold there. He just understood something that has a lot of data behind it. A researcher named Thomas Stanley who studied thousands of millionaires found that adult kids who get regular financial handouts from their parents end up with about 57% of the net worth of kids who don't.
他这么说并不是要冷酷无情。他刚刚明白了一件有大量数据支撑的事情。一位名叫托马斯·斯坦利的研究员他研究了数千名百万富翁发现那些定期获得经济资助的成年子女来自他们的父母，最终拥有的净资产大约是没有获得资助的子女的57%。
I'll say it again. The more that you hand them, the less they build. The gift becomes a thing that actually holds them back. So the wealthy raise their kids as stewards. A steward doesn't think this money is mine to burn.
我再重复一遍。你给予他们的越多，他们自己建立的就越少。这份馈赠反而成了阻碍他们前进的东西。所以富人培养孩子成为管家。管家认为这笔钱不是我能挥霍的。
A steward thinks, I'm the caretaker of this and my job is to hand it to the next generation bigger and stronger than I got it. That's a completely different identity. And identity here is everything.
管家认为，我是这一切的守护者我的职责是把它交给下一代比我接手时更强大、更壮大。那是一种完全不同的身份。在这里，身份就是一切。
There's a phrase for this. Average families do estate planning, which just means getting the money ready for the kids. Wealthy families do heritage planning, which means getting the kids ready for the money.
对此有个说法。普通家庭会做遗产规划，也就是为孩子们准备好钱。富裕家庭会做传承规划，也就是让孩子为这笔钱做好准备。
They start young, they go slow, and they build the skill before they ever transfer the wealth to them. So teach your kid that whatever they build isn't only for them. It's a responsibility they carry for the people who come after them.
他们从小就开始，循序渐进，并培养相应的能力，然后才会把财富传给他们。所以要教你的孩子，他们创造的一切并不只属于他们自己。这是他们为人民肩负的责任为后来者肩负的责任。
That's how you raise someone who protects and grows what they touch instead of someone who's always sitting around waiting for the next payday or allowance. And you don't have to be a billionaire to raise a steward.
这样才能培养出一个守护并让他们所触及之物茁壮成长的人而不是一个总是坐等下一笔工资或零花钱的人。你不需要成为亿万富翁才能培养出一个管家。
You just have to keep pointing your kids past themselves and towards the people their choices will one day take care of. Talk about money out loud. This is one of the most common quiet mistakes that sinks really good families.
你只需要不断引导你的孩子超越自我去关注那些人他们有一天会照顾的人。大声谈论金钱。这是最常见的沉默错误之一会毁掉真正优秀的家庭。
Money becomes a secret. The parents whisper about it, argue about it behind closed doors, and never actually explain it because they're afraid or they're embarrassed. And the kid grows up with a knot in their stomach every time the subject of money comes up and they're totally unprepared.
金钱成了一个秘密。父母会私下低声谈论它，在关起门后为此争吵，却从不真正解释它因为他们害怕，或者感到难堪。于是孩子长大时，胃里总像打着一个结，每次金钱这个话题一出现，他们就完全不知所措。
Wealthy families, they do the opposite. They put money on the table and talk about it in the open on purpose. One of my favorite examples is a writer named JL Collins. He wanted his teenage daughter to understand money, but she told him she didn't want to spend her life thinking about it.
富裕家庭则恰恰相反。他们把钱放到桌面上，并且有意公开地谈论它。我最喜欢的一个例子是一位名叫JL Collins的作家。他希望十几岁的女儿能理解金钱，但她告诉他，她不想一辈子都在琢磨这件事。
So, he wrote her letters, simple, honest letters about saving, investing, and what he called FU money, which means having enough money saved that you can always say no to anything you don't want to do.
于是，他给她写信，那些简单、真诚的信，关于储蓄、投资，以及他所谓的“去你的”基金，意思是存下足够的钱，让你随时可以对任何不想做的事说不。
Those letters became a book that has now helped millions of people. He turned a scary subject into a gift. just one honest conversation letter at a time. You don't need to be an expert to do this.
这些信后来变成了一本书，如今已经帮助了数百万人。他把一个可怕的话题变成了一份礼物。一次一封诚实的对话信。你不需要成为专家就能做到这一点。
You just need to be honest and you need to let your kids see how you actually think about money, including the mistakes that you've made. Your fumbles are some of the best lessons that they will ever get so they don't make the same mistakes, too.
你只需要诚实，并且需要让你的孩子看到你实际上是怎么看待金钱的，包括你犯过的错误。你的失误是他们能得到的最好的教训之一，这样他们就不会犯同样的错误。
So, you can start the same kind of thing tonight. My son Hayden, we have a ritual where every year he writes a letter to his future self since he was seven or eight. In my house, there's also a rule.
所以，今晚你就可以开始做同样的事情。我的儿子海登，我们有一个仪式，每年他都会写一封信给他未来的自己，从他七八岁就开始了。在我家，还有一条规矩。
You can't just bring me a problem. You have to bring me a problem and a possible solution. Even when his answer is completely wrong, it forces him to think it through instead of waiting for someone to come and rescue him.
你不能光给我带来一个问题。你必须给我带来一个问题和一个可能的解决方案。即使他的答案是彻底错误的，这也会迫使他去思考清楚而不是等着别人来救他。
And that becomes the real inheritance. Not just some number in a bank account, but a kid who can think clearly, talk about money without fear, and solve their own problems. And so, if you have the ability to teach that, then you have the responsibility to teach it
而这会成为真正的传承。不仅仅是银行账户里的某个数字，而是一个能清晰思考的孩子，能毫无畏惧地谈论金钱，并解决自己的问题。所以，如果你有能力教这些，那你就有责任去教它
The real inheritance. None of this requires you to be rich. It requires you to be intentional. You don't have to hand your kids a giant fortune. You get to hand them something better.
真正的遗产。这一切都不需要你很有钱。这需要你有意识地去为之。你不必给孩子留下巨额财富。你可以给他们更好的东西。
the exact same skills the wealthiest families on earth have passed down for centuries. So start with one lesson this week, just one. Because the best time to plant the seeds was when they were five and the second best time is right now.
与地球上最富有的家族代代相传数百年的技能如出一辙。所以这周就从一节课开始，就一节。因为播种的最佳时机是他们五岁的时候，而第二好的时机就是现在。
Right? How about right now? You will never become a billionaire or even a millionaire by following the advice of the middle class. Most people think that extreme wealth comes from luck or inheritance or being in the right place at the right time.
对吧？那现在怎么样？你永远不会成为亿万富翁，甚至百万富翁如果遵循中产阶级的建议。大多数人认为，巨额财富来自运气或继承，或恰好在正确的时间出现在正确的地点。
But the truth is, it comes from having the guts to concentrate your bets when everyone else is diversifying to protect their ignorance. If you keep spreading your focus, your energy, and your money across a dozen different safe options because you are afraid of losing, you will guarantee that you end up with a life of mediocrity and never reach the massive potential that you were built for.
但事实是，它来自有胆量集中下注当其他人都在分散投资以保护他们的无知。如果你继续分散你的注意力，你的精力，还有你的钱分散在十几个不同的安全选项上因为你害怕失去，你必将得到一个平庸的人生永远无法达到你与生俱来的巨大潜力。
In 2008, Elon Musk was facing the worst year of his life. He had made $180 million from selling PayPal, a fortune that would set most people up for life on a private island. But Musk isn't most people.
2008年，埃隆·马斯克正面临他人生中最糟糕的一年。他通过出售PayPal赚了1.8亿美元，这笔财富足以让大多数人一辈子衣食无忧在一个私人岛屿上。但马斯克不是大多数人。
He had poured almost all of that money into two companies that looked like they were about to die. Tesla and SpaceX. SpaceX had three failed rocket launches in a row. Tesla was running out of cash and couldn't make payroll.
他把几乎所有的钱都投入了两家公司而那两家公司看起来都快要倒闭了。特斯拉和SpaceX。SpaceX连续三次火箭发射失败。特斯拉现金即将耗尽，无法支付员工工资。
Musk had about $40 million left. He had a choice. He could put all the money into one company to save it, but that would mean the other would definitely die. Or he could split the money between them to try to keep both alive, but risk running out of cash for both and losing absolutely everything.
马斯克还剩下大约4000万美元。他面临一个选择。他可以把所有钱投入一家公司来拯救它，但那样意味着另一家必死无疑。或者他可以把钱分给他们试图让两人都活下来，但有可能两人的钱都用完并失去一切。
Most people would have walked away. They would have kept the $40 million and lived like a king. Mus chose the hardest path. He split the money. He went all in on both. He literally had to borrow money from friends to pay his rent because he had zero liquid cash left.
大多数人都会选择离开。他们会留下那4000万美元，过上国王般的生活。穆斯选择了最艰难的道路。他把钱分了。他在两方面都全力以赴。他真的不得不向朋友借钱来付房租因为他手头已经没有任何流动资金了。
On Christmas Eve 2008, at the very last hour, a financing round came through for Tesla. Days later, NASA awarded SpaceX a contract. He risked $180 million to get to zero just to have a shot at changing the world.
2008年平安夜，在最后一刻，特斯拉的一轮融资终于到账了。几天后，NASA授予了SpaceX一份合同。他冒着1.8亿美元血本无归的风险，只为有机会改变世界。
Today, he's the richest man on the planet. So, right now, you're probably telling yourself, "But Evan, I don't have $180 million like Elon Musk." And that's not the point. It's not about the amount of money.
如今，他是这个星球上最富有的人。所以，此时此刻，你很可能在对自己说，“但埃文，我可没有埃隆·马斯克那样的1.8亿美元。”而这并不是重点。这无关金钱的多少。
It's about the habit of your mind. You're playing small with the $1,000 the same way you'd play small with $10 million. If you cannot bet on yourself when you have nothing to lose, you will never bet on yourself when you have everything to lose.
这关乎你的思维习惯。你用1000美元畏手畏脚，就像你同样会畏手畏脚地对待1000万美元一样。如果你在一无所有时都不敢押注自己，那当你拥有了一切、输不起的时候，你更永远不会押注自己。
So, today we're going to break down the actual blueprint. I analyze 50 billionaires to find out what they actually have in common. And it's not what you think. The trap of diversification.
所以，今天我们要拆解真正的蓝图。我分析了50位亿万富翁，找出他们究竟有什么共同点。而且这并不是你所想的那样。多元化的陷阱。
The first thing you need to understand is that billionaires do not get rich by diversifying. You have been told your whole life, don't put all your eggs in one basket. That is great advice if your goal is to preserve wealth.
你需要明白的第一件事是亿万富翁并不是通过多元化变得富有的。你一生都在被告知，不要把所有的鸡蛋放在一个篮子里。如果你的目标是保全财富，这是很好的建议。
It's terrible advice if your goal is to create wealth and build an empire. Warren Buffett, one of the greatest investors of all time, calls diversification protection against ignorance.
如果你的目标是创造财富，这就是糟糕的建议并建立一个帝国。沃伦·巴菲特，有史以来最伟大的投资者之一，称分散投资是对无知的保护。
He says it makes very little sense for anyone who knows what they are doing. If you know how to analyze a business, if you know your market, if you know your value, why would you put your money into your 20th best idea instead of your top idea?
他说，对于任何知道自己在做什么的人来说，这几乎没有意义。如果你知道如何分析一家企业，如果你了解你的市场，如果你知道你的价值，为什么你要把钱投到你第20个最好的想法上而不是你最好的想法上？
When you look at the portfolios of the ultra wealthy, you see extreme concentration. They find one thing they believe in, usually a company they built themselves or an investment they know inside and out, and they push all their chips into the middle of the table.
当你审视超级富豪的投资组合时，你会看到极度的集中。他们找到一件自己深信不疑的事，通常是他们自己创立的公司或是一项他们了如指掌的投资，然后把所有筹码都推到牌桌中央。
Bill Gates didn't diversify into real estate and gold when he was starting Microsoft. He was 100% Microsoft. Jeff Bezos wasn't buying stocks and other retailers in 1999. He was 100% Amazon.
比尔·盖茨在创办微软时并没有分散投资到房地产和黄金。他百分百是微软的人。1999年，杰夫·贝索斯并没有在收购股票和其他零售商。他百分百是亚马逊的人。
And the data backs us up. There's a study by Aadian Asset Management that looked at concentrated portfolio managers versus diversified ones. They found that the managers who had the courage to bet big on their best ideas, their top five to 10 stocks significantly outperformed the ones who spread their bets thin.
数据也支持我们的观点。Aadian资产管理公司有一项研究对比了集中投资的组合经理与分散投资的经理。他们发现，那些有勇气在自己最好的想法上大举押注的经理，他们排名前五到十的股票表现显著优于那些把赌注分散得很薄的人。
The managers who concentrated their portfolios generated higher returns because they were betting on their conviction, not their fear. You are hurting your own growth by trying to do too many things at once.
集中投资组合的经理们获得了更高的回报因为他们是在为自己的信念下注，而不是恐惧。你正在损害自己的成长因为试图同时做太多事情。
You have a side hustle and a main job and you're thinking about crypto and you're trying to start a YouTube channel and you're learning Spanish. You are diversifying your energy because you are afraid that if you pick just one thing, it might fail.
你有一份副业和一份主业你还在考虑加密货币你还想开一个YouTube频道，而且你还在学西班牙语。你之所以分散精力是因为你害怕如果只选一件事，它可能会失败。
But by doing five things at 20% effort, you are guaranteeing that all five of them fail. You need to find your wonderful business. Buffett says if you can find just three wonderful businesses in your life, you will get very rich.
但用20%的努力做五件事，你等于保证了这五件事全部失败。你需要找到你那绝妙的生意。巴菲特说，如果你能找到一生中只需三家出色的企业，你就会变得非常富有。
You don't need 50, you need one. You need to become an expert in one area. You need to know more about your specific niche than anyone else in the room. When you have that level of knowledge, you don't need to diversify to protect yourself.
你不需要50家，你只需要一家。你需要成为某个领域的专家。你需要比房间里的任何人都更了解你的特定领域比任何人都在房间里。当你拥有那种程度的知识时，你不需要通过多元化来保护自己。
Your knowledge is your protection. So, stop trying to be okay at everything and give yourself permission to be a genius at one thing. Put your eggs in one basket and then watch that basket very closely.
你的知识就是你的保护。所以，不要再试图在每件事上都做到还行而是允许自己在某一件事上成为天才。把你的鸡蛋放在一个篮子里，然后密切注视那个篮子。
Like Andrew Carnegie used to say, the power of disagreeableness. If you want to be a billionaire, you have to stop caring what other people think. I don't mean you should be a jerk.
就像安德鲁·卡内基曾经说过的，不讨人喜欢的威力。如果你想成为亿万富翁，你就必须不再在意别人的看法。我不是说你应该做个混蛋。
I mean you must possess a psychological trait known as low agreeableness. Researchers from the socioeconomic panel in Germany analyze the personality traits of millionaires and billionaires.
我的意思是，你必须具备一种心理特质被称为低宜人性。来自德国社会经济小组的研究人员分析性格百万富翁和亿万富翁的特征。
They use the big five personality model. They found a consistent pattern. Wealthy people score very high on conscientiousness. They are disciplined and they're organized. They score high in openness.
他们使用大五人格模型。他们发现了一致的模式。富人在尽责性上得分很高。他们自律且有组织。他们在开放性上得分很高。
They like new ideas, but they score significantly lower than the average person on agreeableness. This means they are not afraid of conflict. They're not afraid to swim against the tide.
他们喜欢新想法，但他们的宜人性得分明显低于普通人。这意味着他们不惧怕冲突。他们不怕逆流而上。
They do not need social harmony to feel good about themselves. When you are building something massive, people are going to tell you that you are crazy. They are going to tell you that it cannot be done.
他们不需要社会和谐就能自我感觉良好。当你在构建宏大的事业时，人们会说你疯了。他们会告诉你这不可能做到。
They are going to tell you that you are wrong. If you have high agreeableness, you will listen to them. You will try to fit in. You will compromise your vision to make everyone feel comfortable.
他们会告诉你你错了。如果你有很高的宜人性，你会听他们的。你会努力融入。你会妥协你的愿景好让每个人都感到自在。
Billionaires don't do that. They are nonconformists. Look at Steve Jobs. He was famous for his reality distortion field. He would demand things that his engineers said were impossible.
亿万富翁不会那样做。他们是不墨守成规的人。看看史蒂夫·乔布斯。他以其现实扭曲力场而闻名。他会提出一些要求而他的工程师们说那是不可能的。
He wasn't trying to be their friend. He wasn't trying to be agreeable. He was trying to change the world. He didn't care if people thought that he was difficult. He cared about the vision.
他不是想跟他们做朋友。他不是想迎合讨好。他是想改变世界。他不在乎别人是否觉得他难相处。他在乎的是愿景。
You have to be willing to be misunderstood. You have to fight for your idea when no one else sees it. You have to be the one who says yes when the whole world says no. This is why so many billionaires are entrepreneurs.
你必须愿意被误解。当其他人都看不到你的想法时，你必须为它而战。你必须成为那个说“是”的人当全世界都说“不”的时候。这就是为什么这么多亿万富翁都是企业家的原因。
You cannot climb the corporate ladder if you are highly disagreeable. The corporate world rewards people who follow the rules and play nice. The entrepreneurial world rewards people who break the rules and create new realities.
你无法在公司里一步步往上爬如果你非常不随和的话。企业界奖励的是遵守规则并且好好配合的人。创业世界奖励的是打破规则并创造新现实的人。
So you can ask yourself today, where are you compromising your dream just to avoid an awkward conversation? Where are you saying okay when you want to scream no? Stop trying to please everyone.
所以今天你可以问问自己，你在哪里妥协了自己的梦想只是为了逃避一场尴尬的对话？你明明想尖叫着说“不”，却在哪里说着“好的”？别再试图取悦所有人了。
You are not pizza. You are a leader. Lead. The obsession with speed. Speed is the ultimate weapon. If you look at the daily habits of billionaires, they do not waste time. They understand that time is the only asset that they can never buy back.
你又不是披萨。你是一个领导者。领导。对速度的执念。速度是终极武器。如果你观察亿万富翁的日常习惯，他们不会浪费时间。他们明白时间是唯一的资产是他们永远无法买回的。
There is a concept called return on time investment or ROI. Billionaires are obsessed with this. They aggressively use leverage, other people's money, other people's times, systems, and technology to make sure that their personal time is spent only on the highest value tasks.
有一个概念叫做时间投资回报率，简称ROI。亿万富翁对此非常痴迷。他们积极利用杠杆，别人的钱，别人的时间，系统和科技来确保他们的个人时间只花在最高价值的任务上。
When I analyze successful people on my channel, I see this pattern over and over. They don't just work hard, they work fast. Tom Billy, friend of the channel, has a strict routine.
当我在我的频道上分析成功人士时，我一次又一次地看到这种模式。他们不只是努力工作，他们工作得很快。Tom Billy，本频道的朋友，有着严格的日常安排。
He gets up, he works out to build discipline. He meditates to clear his mind, and then he attacks his most important tasks immediately. He doesn't check email first. He doesn't scroll social media.
他起床，他锻炼以培养自律。他冥想以清空思绪，然后他立即着手最重要的任务。他不会先查看电子邮件。他不刷社交媒体。
He calls it thinkotating, using his brain power to solve complex problems before the world can distract him. Most people are moving too slow. You have an idea for a business. You spend six months researching a logo.
他称之为思考旋转，用他的脑力解决复杂问题在世界分散他注意力之前。大多数人行动太慢。你有一个创业想法。你花了六个月研究一个标志。
You want to start a podcast. And you spend three weeks looking for the perfect microphone to buy, right? You're using preparation as an excuse to hide. If you wait until you feel ready, you will be waiting for the rest of your life.
你想开始一个播客。然后你花三个星期寻找要买的完美麦克风，对吧？你在用准备当作躲藏的借口。如果你等到自己觉得准备好了，那你余生都会一直等下去。
Billionaires act on information immediately. When Elon Musk faced that crisis in 2008, he didn't take a month off to think about it. He was on the phone flying around the world, negotiating deals, moving money, literally working 20 hours a day to save his companies.
亿万富翁会立即根据信息采取行动。当埃隆·马斯克在2008年面临那场危机时，他没有花一个月时间停下来思考。他四处打电话、飞往世界各地，谈判交易、调动资金，为了拯救他的公司，他每天几乎工作20个小时。
The speed of his decisions saved him. You need to shorten the gap between the idea and the execution. If you have an idea right now, do something about it. In the next 10 minutes, send the email, buy the domain, post a video, call the client.
他决策的速度救了他。你需要缩短想法与执行之间的差距。如果你现在有一个想法，就去做点什么。在接下来的10分钟内，发送邮件，购买域名，发布视频，致电客户。
Stop overthinking. Your brain is designed to keep you safe, not to make you rich. Safety is slow. Wealth is fast. The billionaire mindset is about shrinking timelines. If you think a goal will take you 10 years, ask yourself, how can I achieve this in six months?
停止过度思考。你的大脑生来是为了保护你的安全，而不是让你致富。安全是缓慢的。财富是快速的。亿万富翁的心态就是缩短时间线。如果你认为一个目标需要10年才能实现，问问自己，我怎样才能在六个月内达成？
Even if you fail, you will be further ead than if you stuck to the 10-year plan. So, a lot of you are waiting for permission. You're waiting for someone to tell you that you are good enough.
即使你失败了，你也会比坚持10年计划走得更远。所以，你们很多人都在等待许可。你在等着有人告诉你你已经足够好了。
You're waiting for the perfect time. There is no perfect time. The perfect time was yesterday. The second best time is right now. The ability to handle crisis. You will never reach the top without facing a moment that threatens to destroy everything that you have built.
你在等待完美的时机。没有完美的时机。最好的时机是昨天。第二好的时机就是现在。应对危机的能力。如果不曾面临一个时刻，你永远无法登上顶峰那个时刻可能摧毁一切你所建立的一切。
This is the existential crisis phase. Every single billionaire that I've studied has gone through a moment where it looked like it was all over. We talked about Elon Musk in 2008, but look at Jeff Bezos in a do crash of 2001.
这就是存在危机阶段。我研究过的每一位亿万富翁都经历过一个时刻那时看起来一切都完了。我们在2008年谈到了埃隆·马斯克，但看看2001年互联网泡沫破裂时的杰夫·贝索斯。
Amazon lost 90% of its value. 90%. Imagine looking at your net worth and seeing it drop by 90%. Most CEOs panicked. They folded. They went bankrupt. Bezos didn't panic. He focused on the math.
亚马逊损失了90%的价值。90%。想象一下，看着你的净资产暴跌90%。大多数CEO都慌了。他们退缩了。他们破产了。贝索斯没有惊慌。他专注于数学。
He focused on one single metric, the cash conversion cycle. He realized that if he could get cash from customers before he had to pay his suppliers, he could fund his own growth without needing banks or investors.
他只关注一个单一的指标，即现金转换周期。他意识到，如果他能从客户那里收到现金在他必须向供应商付款之前，他就能为自己的增长提供资金而无需银行或投资者。
He turned Amazon into a cash generating machine during the worst crash in the history of the internet. He didn't just survive the crisis, he used the crisis to become stronger. This is what Nasim Taleb calls being anti-fragile.
他把亚马逊变成了一台现金生成机器在互联网历史上最严重的崩溃期间。他不仅挺过了危机，还利用危机变得更强大。这就是纳西姆·塔勒布所说的反脆弱。
It's not just about resilience, which is bouncing back to where you were. It's about getting better because of the stress. When you are building your business, you are going to get hit.
这不仅仅是关于韧性，即恢复到原来的状态。关键在于因压力而变得更强。当你创建自己的企业时，你将会遭受打击。
You are going to lose a big client. your star employee is going to quit on you. The economy is going to tank. pandemic is going to shut down the world. If you crumble when things get hard, you are not ready for this level of success.
你将会失去一个大客户。你的明星员工要辞职了。经济要崩溃了。大流行病将让世界停摆。如果遇到困难你就崩溃，说明你还没准备好迎接这种级别的成功。
Yet, billionaires look at crisis as a puzzle to be solved, not a sign that they need to stop. They maintain an internal locus of control. They believe that no matter how bad the external situation is, they have the power to fix it.
然而，亿万富翁把危机看作待解的谜题，而不是需要停下来的信号。他们保持内在控制点。他们相信无论外部情况多么糟糕，他们都有能力解决它。
They don't blame the economy. They don't blame the government. They don't blame their team. They take extreme ownership. So when bad things happen to you, do you play the victim or do you become the architect of your own rescue?
他们不怪经济。他们不怪政府。他们不责怪自己的团队。他们承担极致的责任。所以当坏事发生在你身上时，你是扮演受害者还是成为自己救援的建筑师？
Your pain is your training ground. The struggles that you are facing right now are not there to stop you. They are there to prepare you for the weight of the success you are asking for.
你的痛苦是你的训练场。你现在所面临的挣扎并不是为了阻止你。它们是为了让你为成功的重量做好准备你所渴求的。
If you can't handle the pressure of a $10,000 problem, life will never trust you with a $10 million problem. So, embrace the crisis. It is the fire that forges the steel. They solve the biggest problems.
如果你连一万美元问题的压力都承受不了，生活就永远不会把一千万美元的问题托付给你。所以，拥抱危机吧。它是锻造钢铁的烈火。他们解决最大的问题。
Perhaps the most important thing billionaires have in common is the scale of the problems that they solve. So, you are paid in direct proportion to the difficulty of the problems that you solve.
或许亿万富翁们最重要的共同点是他们所解决问题的规模。所以，你的报酬与问题的难度成正比，你所解决的问题。
If you solve a small problem for a few people, you make a little bit of money. If you solve a massive problem for millions of people, you become a billionaire. So, look at the billionaires that we've talked about.
如果你为少数人解决一个小问题，你只能赚一点钱。如果你为数百万人解决一个巨大的问题，你就会成为亿万富翁。所以，看看我们讨论过的那些亿万富翁吧。
Elon Musk is trying to solve the problem of fossil fuels with Tesla and the problem of human extinction with SpaceX. Pretty big problems. Bill Gates solved the problem of putting a computer on every desk in every home.
埃隆·马斯克正试图解决问题通过特斯拉解决化石燃料问题并通过SpaceX解决人类灭绝问题。相当重大的问题。比尔·盖茨解决了问题让每张桌子上都有一台电脑每个家庭里。
Jeff Bezos solved the problem of getting anything that you want delivered to your door in two days. These are not small problems. Most entrepreneurs aim too low. They start a business just to make money.
杰夫·贝佐斯解决了让你想要的任何东西在两天内送到家门口的问题。这些都不是小问题。大多数创业者的目标定得太低。他们创业只是为了赚钱。
They want to just pay their bills. They want a nice car. And there's nothing wrong with that. But it won't make you a billionaire. You have to fall in love with the problem. And to go to the next level, you have to expand your vision.
他们只想付清账单。他们想要一辆好车。这并没有什么错。但这不会让你成为亿万富翁。你必须爱上这个问题。而要更上一层楼，你必须拓宽你的视野。
You have to ask, "How can I help more people? How can I serve deeper?" You need to find your one word. You need to find the core value that drives you. Because when things get hard, and they will get hard, money will not be enough motivation to keep you going.
你必须问自己：“我怎样才能帮助更多的人？我怎样才能更深入地服务？”你需要找到你的那个关键词。你需要找到驱动你的核心价值观。因为当事情变得艰难时，而它们一定会变得艰难，金钱不足以成为让你坚持下去的动力。
You need a mission. If you're just chasing paper, you will burn out. If you're chasing a purpose, you will be unstoppable. So the billionaires I know, the ones I studied, they're not sitting around counting their money.
你需要一个使命。如果你只是在追逐文凭，你会精疲力竭。如果你在追逐一个目标，你将势不可挡。所以我认识的那些亿万富翁，我研究过的那些，他们不会闲坐着数钱。
They are working harder than you and me. Why? Because they're obsessed with the problem they are solving. They are built to serve. So if you want to join their ranks, stop asking, "How can I make a billion dollars?"
他们比你我更努力。为什么？因为他们痴迷于自己正在解决的问题。它们生来就是为了服务。所以如果你想加入他们的行列，别再问“我怎样才能赚到十亿美元？”
And start asking, "How can I help a billion people?" The money is just a byproduct of the value that you create. Focus on the value. Focus on the service. Focus on the impact. You have Michael Jordan level talent at something.
而要开始问“我怎样才能帮助十亿人？”金钱只是你创造价值的副产品。专注于价值。专注于服务。专注于影响。你在某方面拥有迈克尔·乔丹级别的天赋。
You have a genius inside of you that is waiting to be unlocked, but you are keeping it small because you don't believe in yourself enough to tackle the big problems. The world is waiting for you to step up.
你内心住着一个等待被解锁的天才，但你却让它蜷缩不前因为你不够相信自己去解决那些重大的问题。世界正等待你挺身而出。
The world has huge problems that need your specific genius to solve. So don't deprive us of your contribution because you're afraid to fail. Go bigger. Ready to discover the skills that could skyrocket your success this year?
世界面临着巨大的问题需要你独特的天赋来解决。所以不要剥夺你的贡献因为你害怕失败。做得更大。准备好发现那些技能了吗它们能让你的成功在今年一飞冲天？
These aren't academic theories. their practical in- demand abilities that you can learn without a formal degree. Each skill taps into emerging market needs, offers entrepreneurial leverage, and has scalable impact.
这些不是学术理论。它们是实用的、急需的能力无需正式学位即可学习。每项技能都契合新兴市场需求，提供创业杠杆效应，并具有可扩展的影响力。
Let's dive in and imagine the possibilities each one opens up for your business and income. Skill number one, AI integration and automation turning intelligence into income. Okay, so what is it here?
让我们深入探索并想象各种可能性每一个都为你的业务和收入打开大门。第一项技能，AI集成与自动化将智能转化为收入。好的，那么这里到底是什么？
We're going to leverage AI and automation tools to streamline operations, create smarter products, or even launch AIdriven services. It's using machines to do the heavy thinking or doing for you.
我们将利用人工智能和自动化工具来简化运营，打造更智能的产品，甚至推出人工智能驱动的服务。它是利用机器来替你完成繁重的思考或执行工作。
From chat bots that handle customer inquiries to AI systems that optimize your marketing or inventory in real time. Here's why it matters. This year, the AI revolution isn't coming.
从处理客户咨询的聊天机器人到人工智能系统实时优化你的营销或库存。这就是为什么它很重要。今年，人工智能革命不会到来。
It's right here now. And it's rewriting the rules of business. By 2024, a 70% of organizations reported using AI in some capacity, up from just 55% the year before. Companies are pouring investments in AI at record levels over $ 109 billion in the US in 2024 with nearly 34 billion globally into generative AI.
它现在就在这里。它正在改写商业规则。到2024年，70%的组织报告称在某种程度上使用了人工智能，高于前一年的仅55%。企业正大举投资人工智能达到创纪录水平，超过1090亿美元，2024年美国这一数字超过1090亿，全球近340亿投入到生成式人工智能中。
And they desperately need people who can make it work. The catch, there's a huge talent gap. 94% of business leaders say they face AI related skill shortages on their teams with one in three reporting massive gaps in critical AI roles.
他们迫切需要能够实现这一目标的人才。问题在于，存在巨大的人才缺口。94%的商业领袖表示他们面临与人工智能相关的技能短缺在他们的团队中，三分之一报告了巨大缺口在关键的人工智能岗位上。
What does that mean? Demand is way bigger than supply and that means opportunities for you. Entrepreneurs who are AI savvy can step in and command premium prices for their solutions.
那意味着什么？需求远远大于供给，这意味着你的机会。精通AI的企业家可以介入并为其解决方案收取高价。
This isn't just for tech companies either. From healthcare to finance, AI is being woven into daily operations. Even the FDA has approved hundreds of AI enabled medical devices and self-driving cars are logging thousands of rides right now.
这不仅仅适用于科技公司。从医疗保健到金融，人工智能正融入日常运营。甚至FDA也已批准数百种人工智能医疗设备，而自动驾驶汽车正在记录数千次出行，就在此刻。
The world is racing to adopt AI and those who can ride that wave stand to reap huge rewards. So, how can entrepreneurs profit? Think of AI as a force multiplier for your business. An entrepreneur with AI skills can automate super boring processes, freeing up time to scale faster.
世界正竞相采用人工智能，而那些能够驾驭这一浪潮的人有望获得巨大回报。那么，企业家如何才能获利呢？把人工智能视为你业务的战力倍增器。具备AI技能的企业家可以自动化极其枯燥的流程，腾出时间以更快扩张。
You can make smarter products with better features. You can offer AI consulting and integration services to companies who are willing to pay for help. so for example, a small e-commerce founder might use AI to personalize their shopping experience for each customer automatically leading to happier customers and higher sales.
你可以打造功能更优、更智能的产品。你可以提供AI咨询服务以及集成服务，面向那些愿意为此付费的公司。例如，一个小型电商创始人可能会使用人工智能来个性化他们的购物体验针对每位顾客自动带来更满意的顾客以及更高的销售额。
Or maybe you're launching a micro SAS tool that uses AI like a AI scheduling assistant or content generator. Even a oneperson business can serve thousands of customers when AI is doing most of the work.
或者也许你正在推出一款微型SAS工具它使用人工智能，就像人工智能日程安排助手或内容生成器。即使是一人企业也能服务数千名客户当AI承担大部分工作时。
The evidence is everywhere. Companies using AI report higher productivity and lower cost. And many have seen AIdriven projects boost their bottom line. One entrepreneur created an AI powered copywriting service and landed hundreds of clients globally, essentially earning money 24/7 as the AI works for them.
证据随处可见。使用AI的公司报告了更高的生产力和更低的成本。许多人已经看到人工智能驱动的项目提升了他们的利润。一位企业家创建了一项人工智能驱动的文案撰写服务并在全球范围内获得了数百名客户，基本上在人工智能为他们工作时全天候赚钱。
The key is that AI is practical and learnable. With countless online courses and tools, you can start applying AI even if you're not a programmer. Many AI platforms are actually plug-and-play.
关键在于人工智能既实用又易学。面对无数的在线课程和工具，即使你不是程序员，也可以开始应用人工智能。许多人工智能平台实际上是即插即用的。
So this year, knowing how to harness AI is like having a superpower. It's not just about efficiency. is about unlocking new income streams. From automating your marketing to building the next JGBT like app for a niche industry, AI integration is a skill that can pay off almost immediately.
所以今年，懂得如何驾驭人工智能就像拥有超能力一样。这不仅仅是关于效率。而是关于开启新的收入来源。从自动化你的营销到构建下一个类似JGBT的应用针对一个利基行业，AI集成是一项技能几乎可以立即带来回报。
So, embrace it and you ride the biggest tech wave of our a straight towards profit. Now, AI might be the brains, but data is the backbone. So, next, let's look at the skills that turn raw numbers into gold.
所以，拥抱它，你就能驾驭最大的科技浪潮直奔利润而去。现在，AI可能是大脑，但数据是脊梁。那么，接下来，让我们看看这些技能如何将原始数字变成黄金。
Skill number two, data analytics and business intelligence, profiting from big data. Okay. So what is it? It's the skill of collecting, analyzing, and drawing smart insights from data to drive business decisions.
第二项技能，数据分析与商业智能，从大数据中获利。好的。那么它是什么呢？这是收集、分析数据并从中提取智能洞察的技能以驱动业务决策。
So data analytics is like having X-ray vision for your business. It lets you see the patterns and trends that normal people's eyes would miss. So business intelligence or BI goes handinand focusing on those who are using insights to make strategic calls.
所以数据分析就像为你的业务装上X光透视能力。它能让你看到模式和趋势而普通人的眼睛会错过这些。因此，商业智能或BI与专注于那些利用洞察做出战略决策的人紧密相关。
This skill isn't about math genius. It's about knowing which numbers matter and how to translate them into action. So why it matters right now and this year? We live in a world that has tons of data.
这项技能不在于数学天才。而在于知道哪些数字重要以及如何将它们转化为行动。那么为什么现在和今年它如此重要？我们生活在一个拥有海量数据的世界。
Every click, every purchase, every interaction, it can be tracked. But few people know how to turn that ocean of information into actual real value. And that's where you can come in.
每一次点击，每一次购买，每一次互动，都能被追踪。但很少有人知道如何将那信息的海洋转化为真正的实际价值。而这正是你可以发挥作用的地方。
Companies have realized that gut instinct isn't enough. 81% of businesses now believe data should be at the heart of all decision-m and they're willing to pay handsomely for those who can deliver results.
公司已经意识到，仅凭直觉是不够的。81%的企业现在认为数据应处于所有决策的核心，并且他们愿意为那些能够交付成果的人支付丰厚的报酬。
Why? Because datadriven businesses simply perform better. They're more productive and more profitable on average than their less data savvy peers. Companies that truly embrace analytics have seen efficiencies boost as high as 60 to 80% in operations.
为什么？因为数据驱动的企业表现就是更好。他们的平均生产力和利润率更高比那些不太懂数据的同行。真正拥抱分析技术的公司效率提升在运营中高达60%到80%。
It's not just about giant corporations. Even small startups benefit when they can quickly identify which product feature is a hit or which marketing channel brings the best ROI. And this is a very clear trend.
这不仅仅是巨型企业的事。即使是小型初创企业也能从中受益，因为他们可以快速识别哪个产品功能大受欢迎，或者哪个营销渠道能带来最佳投资回报率。这是一个非常明显的趋势。
The global big data analytics market is massive. It's over $270 billion in value and still growing. And there's a shortage of professionals who can wrangle data effectively. Executives are literally hungry for insights.
全球大数据分析市场规模庞大。其价值超过2700亿美元，并且仍在增长。而且缺乏专业人员能够有效地处理数据。高管们确实渴望获得洞察。
A recent survey found 88% of business leaders rank data analytics as a top priority for upskilling in the organization. So this year being fluent in data is like having a secret weapon in your market.
最近一项调查发现，88%的企业领导者将数据分析列为组织内技能提升的首要任务。因此今年精通数据就如同拥有一件秘密武器在你的市场中。
You base decisions on facts not guesses which is a recipe for winning. So how can entrepreneurs use it? Data analytics can make you rich in two ways. First by apply it to your own business.
你基于事实而非猜测做决策这就是制胜之道。那么创业者该如何利用它呢？数据分析可以通过两种方式让你致富。首先，将它应用到自己的业务中。
You can pinpoint your most profitable customers. You can find inefficiencies to cut. You can test pricing strategies with actual hard evidence. For example, Netflix famously used data analytics to save $1 billion a year by recommending exactly what viewers wanted.
你可以精准定位你最赚钱的客户。你可以找出可削减的低效环节。你可以用确凿的实际证据来测试定价策略。例如，Netflix以利用数据分析而闻名每年节省10亿美元通过精准推荐观众想看的内容。
So imagine bringing that kind of insight into your business decisions. Secondly, you can sell this skill as a service to others. Many companies, especially smaller ones, they drown in data but have no idea what to do with it.
所以想象一下将这种洞察力带入你的商业决策中。其次，你可以将这项技能作为服务出售给他人。许多公司，尤其是较小的公司，他们淹没在数据中，却不知道该如何利用。
You could come in as a freelance analyst or consultant, turn their data into a clear action plan, and charge premium fees for delivering growth or savings. So, picture telling your client, "I found a way to boost your sales 20% by analyzing your customer behavior and then actually doing it."
你可以作为自由分析师或顾问加入，将他们的数据转化为清晰的行动计划，并收取高额费用来交付增长或节约。所以，想象一下告诉你的客户，“我找到了一种方法，能让你的销售额提升20%通过分析你的客户行为然后真正付诸实践。”
There are real case studies of entrepreneurs doing just this. One startup founder used business intelligence tools to optimize her inventory and eliminated over $100,000 in annual waste, directly patting her profits.
有真实的企业家案例研究正是这样做的。一位初创公司创始人使用商业智能工具来优化她的库存并消除了超过10万美元的年度浪费，直接充实了她的利润。
another built a consulting agency that helps local businesses set up simple dashboards and KPIs and within a year he was booking five figure contracts regularly. The bottom line is data analytics is practical and learnable.
另一个人创办了一家咨询机构帮助本地企业建立简单的仪表盘和关键绩效指标不到一年，他就能定期签下五位数金额的合同。归根结底，数据分析既实用又易学。
There's tons of online courses, YouTube videos, tools that are now drag and drop. Master it and you can either supercharge your own business or become the go-to data guru who turns others confusion into cash.
有大量的在线课程、YouTube视频，以及如今可以拖拽使用的工具。掌握它，你就能让自己的业务如虎添翼或者成为别人求助的数据大师把他人的困惑转化为现金。
So, in this year, data it's a new oil and knowing how to drill for it is an extremely high income skill. Now, having great data is pointless if you can't attract customers. That's where our next skill comes in.
所以，在今年，数据就是新的石油而懂得如何开采它是一项收入极高的技能。然而，拥有出色的数据毫无意义如果你无法吸引客户。这就是我们下一项技能的用武之地。
It's time to cash in on the art of getting noticed. Skill number three, digital marketing and growth hacking. Scaling visibility into wealth. So, what is it? Digital marketing is a skill of getting customers for people's businesses online through channels like social media, through search engines, through email, through LLMs and more.
是时候利用吸引注意力的艺术来变现了。第三项技能，数字营销与增长黑客。将可见度转化为财富。那么，它是什么？数字营销是一种获取客户的技能为人们的在线业务通过社交媒体等渠道，通过搜索引擎，通过电子邮件、通过大型语言模型等等。
Growth hacking is a trendy way to say creative fast-paced marketing experimentation, right? So, finding clever lowcost tactics to drive growth or sales for your business or other people's.
增长黑客是一种时髦的说法，指的是富有创意、快节奏的营销实验，对吧？所以，就是找到巧妙、低成本的策略来推动增长或为你的业务或他人的业务带来销售。
This skill is about making your business impossible to ignore on the internet and turning that attention into revenue. So covers everything from running targeted ads, optimizing a website to rank on Google or GPT, crafting viral content, analyzing campaign data to tweak for better results, making YouTube videos to spread your message.
这项技能就是让你的业务在互联网上令人无法忽视，并将这种关注转化为收入。因此涵盖了从投放定向广告，优化网站以在谷歌或GPT上获得排名，制作病毒式传播内容，分析活动数据以调整优化结果，制作YouTube视频来传播你的信息。
Why it matters this year is you could have the best product or service in the world, but if nobody knows about it, you don't make a dime. This year, digital marketing remains one of the highest skills for entrepreneurs because online attention is the currency of our kingdom.
今年之所以重要，是因为你可能拥有世界上最好的产品或服务，但如果没有人知道它，你就一分钱也赚不到。今年，数字营销仍然是创业者最需要掌握的技能之一，因为在线关注度是我们这个王国的货币。只需看看这些数字。
Just look at the numbers. Global digital ad spending is projected to hit $843 billion. Yes, with a B. Companies large and small are pouring money into Facebook ads, Google searches, Tik Tok videos, wherever their audience lives online, and they need experts who know how to navigate this landscape.
全球数字广告支出预计将达到8430亿美元。全球数字广告支出预计将达到8430亿美元。是的，B开头的。大大小小的公司都在投入资金到Facebook广告、谷歌搜索、Tik Tok视频，只要是他们的受众在线活跃的地方，他们需要专家懂得如何驾驭这一领域。
The job outlook also reflects that demand. Marketing roles are expected to grow by 10% faster than the average for all careers. And in particular, there's surging demand for people skilled in areas like marketing analytics, content creation, and SEO, SEM, because every business wants to rank number one on Google and decode the algorithms of chatbt.
就业前景也反映了这种需求。市场营销岗位预计将增长比所有职业的平均增速快10%。尤其是，对擅长营销分析、内容创作和SEO等领域的人才需求激增，SEM，因为每个企业都想要在谷歌上排名第一并破解chatbt的算法。
The beauty of digital marketing is that it's practical and learnable. No MBA required, just practice, creativity, and keeping up with the trends. We're also seeing new frontiers like AIdriven marketing.
数字营销的美妙之处在于它实用且可学习。不需要MBA学历，只需要实践、创造力，以及紧跟潮流。我们还看到了人工智能驱动营销等新前沿。
Over 50% of businesses are already using generative AI to improve their operations. All this means that entrepreneurial marketers who stay sharp can out hustle their bigger competitors.
超过50%的企业已经在使用生成式AI来改善他们的运营。所有这些都意味着，那些保持敏锐的创业营销者能够比他们更大的竞争对手更努力地抢占先机。
So in this year, if you know how to get the right message to the right people at the right time online, you basically have a license to print money. So how can you use it as an entrepreneur?
所以今年，如果你知道如何将正确的信息在正确的时间传递给正确的人，你基本上就拥有了一台印钞机。那么，作为一名创业者，你该如何利用它呢？
Digital marketing is often the make orb breakak skill that determines if you scale or if you stay stuck. And so if you master it and you can acquire customers on demand, you can enter new markets quickly.
数字营销往往是决定成败的关键技能它决定着你是能实现规模化发展，还是会一直停滞不前。所以，如果你掌握了它并且能够按需获取客户，你就能迅速进入新市场。
You can even build a personal brand that multiplies all of your opportunities. Take for example an online fitness coach who leverages social media marketing by mastering YouTube and Instagram.
你甚至可以打造个人品牌让你的所有机会成倍增长。以一位在线健身教练为例她利用社交媒体营销通过精通YouTube和Instagram。
She grows her audience to hundreds of thousands and launches a fitness app that earns seven figures online. Or think of a small local business owner who uses savvy Google search ads and SEO to dominate local search traffic, right?
她将受众发展到数十万并推出了一款在线收入达七位数的健身应用。或者想想一个小型本地企业主利用精明的谷歌搜索广告和搜索引擎优化来主导本地搜索流量，对吧？
Their store goes from unknown to the go-to place in town. And these aren't hypotheticals. These things are happening right now all around us. As an entrepreneur, you can also sell digital marketing expertise.
他们的店从默默无闻变成城里的首选之地。而这些都不是假设。这些事情此刻正在我们身边发生。作为一名企业家，你也可以出售数字营销专业知识。
If you're great at, say, SEO or Facebook ads, you can freelance or start an agency. Businesses are eager to pay because they've seen the ROI. For every dollar spent on email marketing can yield $36 in return, as various studies have shown.
如果你擅长，比如，SEO或Facebook广告，你可以做自由职业或创办一家代理公司。企业急于付费，因为他们看到了投资回报率。在电子邮件营销上每花费一美元就能带来36美元的回报，正如多项研究所表明的那样。
So, a skilled email marketer is worth their weight in gold. Another real world use case, an entrepreneur growth hacked his startup by creating a referral program that went viral. So, think Dropbox's free storage for referral strategy, acquiring millions of users without a massive ad budget.
因此，一位熟练的电子邮件营销人员价值连城。另一个现实世界的用例，一位企业家通过增长黑客手段发展了他的初创公司通过创建一个病毒式传播的推荐计划。所以，想想Dropbox的免费存储推荐策略，在没有巨额广告预算的情况下获得了数百万用户。
That's growth hacking in action. So, digital marketing lets you scale up quickly. An ad campaign can reach millions of people overnight. A piece of content that catches fire can bring in floods of traffic.
这就是增长黑客的实战应用。因此，数字营销让你能够快速扩大规模。一场广告活动可以在一夜之间触达数百万人。一条火爆的内容可以带来大量的流量。
You're not limited by your local area, your storefront. And with analytics tools, you can measure every penny and double down on what works. Like truly datadriven marketing. and the emotional side.
你不再受限于本地区域或实体店面。借助分析工具，你可以衡量每一分钱的花费，并对有效的策略加倍投入。就像真正的数据驱动营销。以及情感层面。
It's pretty thrilling to see your business blow up because of a campaign that you created. The control is right here. It's in your hands with consumer attention shifting every year.
看到你的业务因为你自己创造的营销活动而爆发式增长，这相当令人兴奋。因为一个你创造的营销活动。控制权就在这里。这掌握在你手中消费者的注意力每年都在转移。
Today, it might be YouTube or LinkedIn newsletters. Tomorrow, who knows? Entrepreneurs who have the skill will ride each wave and outpace their competition. Digital marketing and growth hacking are high income skills because they directly drive revenue and mastering them means you can virtually write your own success story in this digital age.
今天，可能是YouTube或LinkedIn新闻通讯。明天，谁知道呢？掌握技能的创业者将能驾驭每一波浪潮并超越他们的竞争对手。数字营销和增长黑客是高收入技能因为它们直接推动收入而掌握它们意味着在这个数字时代你几乎可以书写自己的成功故事。
So now you've got the customer's attention. Now we need to convince them to open their wallets. The next skill is all about the art of persuasion and it's one of the oldest and most profitable tricks in the book.
所以现在你已经吸引了客户的注意力。现在我们需要说服他们打开钱包。下一个技巧完全是关于说服的艺术这是书中最古老、最赚钱的伎俩之一。
Skill number four, persuasive communication and storytelling, selling anything to anyone. So what is it? This is the skill of conveying ideas in a compelling way. So that's through sales pitches and marketing copy or even everyday networking conversations.
第四项技能，有说服力的沟通和讲故事，把任何东西卖给任何人。那它是什么？这是以引人入胜的方式传达想法的技能。所以这是通过销售推介和营销文案甚至是日常社交对话。
It includes sales and negotiation, right? Convincing a customer or partner to say yes. Copywriting, which is writing words that sell from ads to landing pages. And storytelling, crafting a narrative that hooks people in emotionally.
它包括销售和谈判，对吧？说服客户或合作伙伴同意。文案写作，也就是撰写文字从广告到落地页都能促成销售。还有讲故事，构建一个叙事能在情感上吸引人们。
It's how to talk or write so people listen, trust you, and feel motivated to act, like clicking the buy now or signing a contract. Why it matters this year is no matter how advanced technology gets, the power of a good story and genuine connection never goes out of style.
这就是如何说话或写作才能让人倾听、信任你，并感到有动力去行动，比如点击立即购买或签署合同。今年它之所以重要，是因为无论技术变得多么先进，一个好故事的力量以及真诚的连接永远不会过时。
In fact, as automation rises, those human- centered skills become more valuable. This year's marketplace is hyper stimulated. Consumers see thousands of ads and posts a day. So, the ability to cut through that noise with a resonant message is pure gold.
事实上，随着自动化程度提高，那些以人为本的技能变得更有价值。今年的市场处于极度活跃状态。消费者每天看到成千上万的广告和帖子。所以，穿透这些噪音的能力用一个能引起共鸣的信息就是纯金。
68% of consumers say that a brand's story influences their buying decisions. People remember stories up to 22 times more than plain facts. That's huge for entrepreneurs trying to build a memorable brand or pitch to investors.
68%的消费者表示品牌的故事会影响他们的购买决策。人们对故事的记忆比纯粹的事实最多高出22倍。这对企业家来说意义重大他们试图打造令人难忘的品牌或向投资者推介。
And yes, we see evidence that storytelling and communication translate to better results. Marketing campaigns built around the narrative can boost conversion rates by 30% or more. On the sales side, companies are actively looking for leaders with strong social influence and communication skills.
是的，我们看到了证据表明讲故事和沟通能带来更好的结果。围绕叙事构建的营销活动可以将转化率提升30%甚至更多。在销售方面，企业正在积极寻找领导者，具备强大的社交影响力和沟通能力。
Even the World Economic Forum highlighted leadership and social influence as a top skill for the future. Why? Because a person who can rally a team, win over a client, negotiate a profitable deal, they are invaluable.
甚至世界经济论坛也强调领导力和社交影响力是未来的首要技能。为什么？因为一个能团结团队的人，赢得客户，谈成有利可图的交易，他们是无价的。
Also, let's talk money. Jobs like sales executives or copywriters are often highpaying because they directly bring in revenue. A top performing tech sales rep, for example, can earn a six-figure base salary plus another six figures in commissions.
另外，我们来谈谈钱。像销售主管或文案撰稿人这样的工作往往薪水很高因为他们直接带来收入。例如，一位顶尖的科技销售代表可以获得六位数的基本工资再加上另外六位数的佣金。
Copyriters who crack the code of persuasion are similarly rewarded. Many freelance copyriters charge $100 plus an hour and businesses happily pay because one killer sales page or email sequence can generate hundreds of thousands in sales.
破解了说服密码的文案撰稿人也能获得类似的回报。许多自由文案撰稿人每小时收费100美元以上而企业乐意支付，因为一个出色的销售页面或电子邮件序列可以带来数十万美元的销售额。
Words are powerful and this year those who can wield that power expertly will find that it translates into serious income. So how can you use it as an entrepreneur? You're always selling not just your products but your vision, your brand, even selling yourself as a trustworthy partner.
言语很有力量，而今年那些能够娴熟驾驭这种力量的人将会发现它能转化为可观的收入。那么作为一名创业者，你该如何利用它呢？你始终在推销的不仅是你的产品，还有你的愿景、你的品牌，甚至在推销你自己作为一个值得信赖的合作伙伴。
Persuasive communication turns this into a superpower. Mastering storytelling means you can craft a brand narrative that makes customers feel something and remember you. So, for example, instead of just saying, "Our shoe is comfortable," you share the story of a customer who, thanks to your shoe, ran their first marathon painfree to honor a loved one.
有说服力的沟通能将其转化为一种超能力。掌握讲故事的艺术意味着你可以打造一个品牌叙事让顾客产生共鸣并记住你。所以，举个例子，不要只是说，“我们的鞋子很舒适，”你可以分享一位顾客的故事，多亏了你的鞋子，他们无痛跑完了第一次马拉松，以此纪念所爱之人。
Right now, you're not just selling a shoe. You're selling inspiration. You're selling identity. That's the difference that makes people lifetime fans. On a more practical side, entrepreneurs skilled in communication, they'll just close more deals.
现在，你卖的不只是一双鞋。你卖的是灵感。你卖的是身份。这就是让人们成为终身粉丝的差别。从更实际的角度来说，擅长沟通的创业者，他们只会达成更多交易。
So, imagine you're negotiating with a supplier or an investor. If you can clearly articulate your value and persuade them effectively, you'll likely get better terms, maybe tens of thousands saved or gained in one conversation.
所以，想象一下你正在与供应商或投资者谈判。如果你能清晰地阐述自己的价值并有效地说服他们，你很可能获得更好的条件，一次对话或许就能省下或赚取数万美元。
If you sell services or high ticket products, strong sales techniques like consultative selling or solutions-based selling is key. Today's customers expect you to understand their needs and tailor your offer.
如果你销售服务或高价产品，像顾问式销售这样的强力销售技巧或基于解决方案的销售至关重要。如今的客户期望你了解他们的需求并量身定制你的方案。
Being able to do that can literally double or triple your closing rate. So, for example, you can monetize a skill by offering freelance copywriting or sales consulting. Great copyriters are in short supply even with AI writing tools around because someone has to give the AI the right emotional direction.
能够做到这一点，实际上可以让你的成交率翻倍甚至提高到三倍。所以，举例来说，你可以将一项技能变现，通过提供自由撰稿或销售咨询服务。优秀的文案撰稿人非常稀缺，即使有AI写作工具存在，因为必须有人给AI正确的情感方向。
Businesses will pay top dollar for emails and ads that actually convert. One excellent sales page can be worth millions to a company. So paying a writer $10,000 a craft that is it's a no-brainer for some companies.
企业会为电子邮件支付高价以及真正能转化的广告。一个出色的销售页面可能价值数百万。所以付给写手1万美元一篇对某些公司来说这是不用想的事。
Skilled copywriters routinely earn over $150,000 a year once they built a reputation. And don't forget content creators and influencers. They are essentially storytellers, too. turning authentic communication into followers and income from ads and sponsorships or product sales.
熟练的文案撰稿人通常年收入超过15万美元一旦他们建立了声誉。别忘了内容创作者和网红。他们本质上也是讲故事的人。将真实的沟通转化为粉丝以及来自广告和赞助的收入或产品销售。
Emotions drive decisions. And if you can tap into emotions with genuine communication, you can drive decisions in your favor. So this year, mastering persuasive communication and storytelling isn't just a nice to have.
情感驱动决策。如果你能通过真诚的沟通触动情感，你就能让决策朝着对你有利的方向发展。所以今年，掌握说服性沟通和讲故事的能力不仅仅是一种锦上添花。
It's often the difference between a business that just fizzles out and one that actually becomes a phenomenon. We've covered brains, data, marketing, charm. Our final skill might not sound as glamorous, but it's a massive money maker in today's world.
它往往决定了一个企业是逐渐销声匿迹还是真正成为一种现象。我们已经涵盖了大脑、数据、营销、魅力。我们最后一项技能听起来可能不那么光鲜，但在当今世界，它可是一个巨大的赚钱利器。
It's all about protecting the wealth that you're building, and it's an area where demand is exploding. Skill number five, cyber security and data protection, guarding the digital gold mine.
它的核心就是保护你正在积累的财富，而这个领域的需求正在爆发式增长。第五项技能，网络安全与数据保护，守护数字金矿。
Okay, so what is it? Cyber security is the skill of keeping data, software, systems safe from hackers and breaches. It's being the digital bodyguard for businesses. This includes understanding how to prevent attacks.
好的，那它是什么？网络安全是保护数据、软件和系统免受黑客攻击和数据泄露的技能。它是成为企业的数字保镖。这包括了解如何预防攻击。
So think malware, fishing, ransomware, knowing how to plug vulnerabilities in networks or websites, and making sure that companies follow best practices. So sensitive information like consumer data is not stolen or compromised.
所以要想到恶意软件、网络钓鱼、勒索软件，知道如何修补漏洞在网络或网站中，并确保公司遵循最佳实践。这样敏感信息，比如消费者数据，就不会被盗取或泄露。
It's deeply technical for those who specialize, but at a high level, it's very learn by doing problem solving field. And you don't need a PhD to get good at it. Just solid training and experience and a curious mind.
对于专精于此的人来说，它技术性极强，但从宏观层面来看，这是一个非常注重边做边学、解决问题的领域。而且你不需要博士学位就能精通它。只需要扎实的训练、经验以及一颗好奇的心。
Data protection goes hand in hand. So think dealing with proper handling and compliance like the laws of the land. So for an entrepreneur having cyber security skills means that you can both protect your own venture but also potentially offer security solutions to other people as a business.
数据保护与之密不可分。因此，要思考妥善处理以及遵守当地法律等合规要求。所以对于创业者来说，拥有网络安全技能意味着你既能保护自己的事业也能将安全解决方案作为一项业务提供给他人。
So why does it matter this year? One word risk. As businesses digitize every aspect of their operations, the risk of cyber attacks have skyrocketed and so have the costs. The average cost of a single data breach hit an eyewatering $4.9 million globally.
那么为什么今年这很重要？一个词：风险。随着企业将运营的方方面面数字化，网络攻击的风险急剧上升成本也随之飙升。一次数据泄露的平均成本在全球范围内高达令人瞠目的490万美元。
So for a small or mid-size company, that kind of hit can be fatal. That's why firms are desperate for cyber security expertise and why it's become a highinccome skill, high demand skill.
因此对于中小型公司来说，这种打击可能是致命的。这就是为什么企业急需网络安全专业人才也是为什么它成为了一项高收入技能，高需求技能。
We're in a situation where there aren't nearly enough cyber security pros to go around. The global cyber security workforce is millions short. One recent study showed about 4.8 million cyber security roles are unfulfilled worldwide.
我们正处于一种网络安全专业人才严重不足的境况，根本不够分配。全球网络安全劳动力短缺达数百万。最近一项研究显示，约480万个网络安全岗位在全球范围内空缺。
There are millions of openings and not enough people with the skills. A gap that widened by 19% in just one year. So talent shortage is actually the number one obstacle companies face in securing their systems.
有数百万个职位空缺但具备相应技能的人却不够。这一缺口仅在一年内就扩大了19%。因此，人才短缺实际上是企业在保障其系统安全方面面临的首要障碍。
This kind of supply demand mismatch is exactly what drives up incomes for those who have the skill. So companies have even started to prioritize this in budgets because they simply cannot afford the alternative.
这种供需错配正是推高拥有该技能者收入的原因。因此企业甚至已经开始在预算中优先考虑这一点因为他们根本承担不起不这样做的后果。
Companies without adequate security staff end up paying on average $1.76 million more per breach due to slower response and damage control. But just beyond like corporate IT departments, every entrepreneur with an online presence needs at least basic cyber security savviness.
缺乏足够安全人员的企业平均最终要多支付每次数据泄露多付176万美元，因为响应更慢以及损害控制。但就在企业IT部门之外，每一位拥有在线业务的创业者都需要至少具备基本的网络安全意识。
Cyber threats this year are more sophisticated. Yes, hackers are using AI too. So on top of that, customer trust and regulations require more solid data protection. You don't want to be that startup that leaked user data and lost credibility overnight.
今年的网络威胁更加复杂。是的，黑客也在使用人工智能。因此，除此之外，客户信任和法规要求更可靠的数据保护。你不想成为那种泄露用户数据的初创公司并在一夜之间失去信誉。
So from ransomware attacks shutting down hospitals to small businesses getting scammed from fishing, the threat is universal. This urgency is driving a huge market for cyber security products and consultants.
从勒索软件攻击导致医院停摆到小企业被网络钓鱼诈骗，这种威胁是普遍存在的。这种紧迫性正在推动一个巨大的市场对网络安全产品和顾问的需求。
Global spending on cyber security is rising every year, tens of billions of dollars annually as businesses effectively say, "Please take our money and keep us safe. If you can step in with the skills to do so, you will be richly rewarded."
全球网络安全支出逐年上升，每年数百亿美元正如企业实际上在说，“请拿走我们的钱，保护我们的安全。如果你能凭借相关技能介入其中，你将获得丰厚的回报。”
So, as some evidence, top freelance cyber security experts report rates of $200 to $300 an hour, and experienced security consultants can make over $500,000 a year by serving multiple clients.
因此，有一些证据表明，顶尖的自由职业网络安全专家报告的时薪为200至300美元，而经验丰富的安全顾问年收入可超过50万美元，通过为多个客户提供服务。
So, it's no surprise that when the stakes are this high, companies are willing to pay for peace of mind. So, how can entrepreneurs use it? If you're building your own company, cyber security skills are like an insurance policy and a selling point.
所以，当风险如此之高时，毫不意外，企业愿意为安心买单。那么，企业家们该如何利用它呢？如果你正在创办自己的公司，网络安全技能就像一份保险单和一个卖点。
You can save a ton of money by implementing security measures yourself instead of hiring some expensive firms and avoid disaster that could derail your business. But also, being more security-minded from day one can be a competitive advantage.
你可以节省大量资金通过自己实施安全措施而不是聘请一些昂贵的公司并避免可能让你的业务脱轨的灾难。但同样，从第一天起就更有安全意识可以成为一项竞争优势。
You can use that in your marketing. customers and partners will feel safer dealing with you. So for example, a e-commerce entrepreneur who knows how to secure their payment systems and protect customer data not only avoids costly breaches but can market their store as ultra secure which gains more customer trust and extra sales in an a of privacy concerns.
你可以在营销中利用这一点。客户和合作伙伴在与您打交道时会感到更安全。所以，举例来说，一位懂得如何保障其支付系统安全的电商创业者并保护客户数据不仅能避免代价高昂的数据泄露还能将他们的店铺宣传为极其安全从而赢得更多客户信任并在隐私担忧日益加剧的环境中带来额外销售。
On the other side, cyber security is also an amazing service and a business opportunity. So given that huge talent gap, you could start a consultancy or freelance as a virtual CISO as chief information security officer for multiple small companies that can't afford one in-house.
另一方面，网络安全也是一项绝佳的服务以及一个商业机会。所以鉴于这一巨大的人才缺口，你可以开始做咨询或自由职业，担任虚拟CISO，即首席信息安全官，为多家无法负担内部专职人员的小公司服务。
They get your expertise part-time, you get a hefty paycheck. Some entrepreneurs are launching cyber security startups. So whether that's developing a niche security software tool or you're offering specialized training, there's even demand for things like ethical hackers who companies pay to test their defenses.
他们获得你的专业能力，按兼职形式，而你获得丰厚的报酬。一些企业家正在创办网络安全初创公司。所以，无论是开发一款利基安全软件工具还是提供专业培训，甚至对道德黑客这类人才也有需求，公司会付费请他们来测试自身的防御系统。
We've seen solo consultants charge retainers in the thousands per month per client just to be on call for security incidents. And with new data privacy laws popping up all the time like Europe's GDPR and others, businesses are scrambling for guidance, which is another avenue for advisory services you could offer if you're well-versed in compliance.
我们见过独立顾问收取数千美元的聘用费，每月每位客户，仅仅是为了在安全事件发生时随时待命。随着新的数据隐私法不断涌现比如欧洲的GDPR和其他法规，企业纷纷急于寻求指导，这是咨询服务的另一个途径如果你精通合规，就可以提供这项服务。
So the key point is this. Threats are growing and talent is scarce. If you equip yourself with this skill, you become part of a highly soughtafter elite group of people. Not only can you command higher fees because preventing a multi-million dollar breach is essentially worth a high payout, but you also carry the confidence that you can protect the empire that you're building to.
所以关键点在于此。威胁日益增长，而人才却十分稀缺。如果你掌握了这项技能，你就会成为一个备受追捧的精英群体的一员。你不仅能收取更高的费用，因为阻止数百万美元的漏洞本质上就值一笔高额回报，而且你还拥有自信，相信自己能够保护你正在构建的帝国。
In a time where a single hack can wipe out years of effort, the entrepreneurs who understands cyber security will safeguard their wealth and even turn security into a profitable service for others.
在一个单次黑客攻击就能抹去多年努力的时代，懂得网络安全的创业者将能守护自己的财富甚至还能将安全转化为对他人有利可图的服务。
It's truly a high impact, highinccome skill for today's age. So each of these five skills, AI integration, data analytics, digital marketing, persuasive communication and cyber security hits the sweet spot of being practical, learnable, and immediately valuable this year.
在当今时代，这确实是一项高影响力、高收入的技能。因此，这五项技能中的每一项，人工智能集成、数据分析、数字营销、说服性沟通和网络安全都恰到好处地兼具实用性、可学习性，并在今年具有立竿见影的价值。
They align with the biggest technology shifts and market needs that we are seeing right now. AI is everywhere. Data is the king. Online growth is non-negotiable. Human connection still seals a deal.
它们与最大的技术变革以及我们当下所看到的市场需求相契合。人工智能无处不在。数据为王。线上增长不容商量。人际连接仍能促成交易。
And security underpins it all. The best part is you don't need a fancy degree to get started with any of these. There are YouTube videos, boot camps, online courses, communities for each skill that you can start learning right now.
而安全是一切的基础。最棒的是你不需要一个高端的学位就可以开始学习其中任何一项。有YouTube视频、训练营、在线课程、针对每项技能的社区你现在就可以开始学习。
Entrepreneurs who invest time in mastering even one or two of these will position themselves to generate wealth in the short term. We're talking within a year or two, not decades. And it's all backed by trends and numbers that I've already cited throughout this entire video.
投入时间精通其中哪怕一项或两项的企业家，将使自己处于在短期内创造财富的有利位置。我们说的是在一两年内，而不是几十年。而这一切都有趋势和数字作为支撑这些我在整个视频中已经引用过了。
The market is hungry for these abilities. So ask yourself which of these skills speaks to you right now. The entrepreneurs getting rich this year aren't necessarily the ones with the most funding or the fanciest ideas.
市场对这些能力求贤若渴。所以问问你自己，这些技能中哪一个现在最吸引你。今年致富的企业家们未必是那些拥有最多资金或最花哨创意的人。
Often they're the ones who have the right skills at the right time and execute relentlessly. Now you know five of those right skills. It's time to choose, learn, and leap. Here's to your success because this year might be the year your hard work and high income skills make you the next great success story.
往往正是他们在正确的时间拥有正确的技能并不懈地执行。现在你已经了解了其中五项正确的技能。是时候做出选择、学习并跃进了。为你的成功干杯因为今年也许就是你辛勤付出和高收入技能让你成为下一个伟大成功故事的一年。
You're not broke because of the economy or bad luck. You're broke because you keep stepping into the same 10 money traps. While other entrepreneurs are quietly getting rich by avoiding these mistakes, you might be repeating them without even realizing it.
你破产不是因为经济不景气或运气不好。你破产是因为你不断掉进同样的10个金钱陷阱。当其他创业者正悄悄致富时因为他们避开了这些错误，你可能在重蹈覆辙却浑然不知。
And if you don't fix this, a year from now, you'll still be stressed about money, hustling hard with nothing to show for it, wondering why you're not winning. Just look at the proof.
如果你不解决这个问题，一年之后，你仍会为钱焦虑，拼命奔波却一事无成，纳闷自己为何无法成功。看看证据就知道了。
Ever hear about lottery winners going bankrupt? Roughly 70% of big lottery winners end up broke within a few years. Jack Whitaker won a $315 million Powerball jackpot and lost it all in a few years.
听说过彩票中奖者破产的事吗？大约70%的彩票大奖得主几年内就身无分文了。杰克·惠特克中了3.15亿美元的强力球头奖却在几年内输光了所有钱。
He even said the money destroyed his life. Why? Because money isn't the answer if you haven't fixed the habits that keep people poor. If you got a million dollars today, but carried on with the same bad behaviors, that money would vanish.
他甚至说金钱毁了他的生活。为什么？因为如果你没有改掉那些让人贫穷的习惯金钱并不是答案。如果你今天得到一百万美元，但继续着同样的坏习惯，那些钱就会消失。
I had to learn this myself the hard way when I was 19. I had my first company. I was making $300 a month. Imagine working more than full-time and not being even able to afford rent.
我19岁时不得不自己艰难地学到这一点。我有了我的第一家公司。我当时每月挣300美元。想象一下，工作时间远超全职却连房租都付不起。
That was me. I felt worthless. I hit my breaking point at a family event and I told my business partner I quit. I broke down crying, snot-nosed, uncontrollable tears because I felt like I just didn't have what it takes.
那就是我。我觉得自己毫无价值。我在一次家庭聚会上达到了崩溃的边缘然后我告诉我的生意伙伴我不干了。我崩溃大哭，鼻涕眼泪直流，无法控制因为我觉得自己就是没有那个能力。
But the very next morning, I woke up and something snapped. I realized I hadn't earned the right to quit because I hadn't tried everything. I thought, has someone figured this out before?
但就在第二天早上，我醒来时，有什么东西突然断了。我意识到我还没有资格放弃因为我还没有尝试过所有方法。我想，有没有人之前已经弄明白了这件事？
And turns out Bill Gates had built a software company from nothing? So, I decided to model how he did it. I stopped feeling sorry for myself and started learning from someone who'd already won.
结果发现比尔·盖茨是从零开始建立了一家软件公司？于是，我决定模仿他的做法。我不再自怨自艾而是开始向一个已经赢了的人学习。
And you know what? Within a short time, I closed a $135,000 deal and jumping from $300 a month to a 13.5K check. In my head, I felt like a millionaire. But more importantly, I had proof that if I changed my approach, I could change my results.
你知道吗？在很短的时间内，我完成了一笔135,000美元的交易，从每月300美元跃升到13.5K的支票。在我脑海里，我感觉自己像个百万富翁。但更重要的是，我有了证据证明，如果我改变我的方法，我就能改变我的结果。
I went from almost giving up to finally getting momentum. Now, maybe you're thinking, Evan, it's not me. It's just it's a tough market or I already know this stuff. Wrong. That thinking is a trap by itself.
我从几乎放弃到终于获得动力。现在，也许你在想，埃文，不是我的问题。只是市场不景气，或者我已经知道这些东西了。错了。这种想法本身就是一个陷阱。
I've coached thousands of entrepreneurs and the ones who stay broke always point fingers at the economy, their competition, anything but themselves. The winners, they take responsibility.
我指导过数千名企业家那些始终贫穷的人总是把矛头指向经济环境，他们的竞争对手，什么都怪，就是不怪自己。而赢家，他们承担责任。
They look in the mirror and they fix what's holding them back. So, drop the excuses, at least for this video, and really listen. Even if you think you've heard it all, I guarantee there's at least one trap on this list you're caught in right now.
他们照镜子审视自己，然后修正阻碍他们前进的问题。所以，放下借口，至少在这个视频里，真正听进去。即使你认为自己已经听过所有内容，我保证这个列表上至少有一个陷阱你现在就深陷其中。
And if you could eliminate it, it could mean the difference between scraping by and actually building real wealth. So, let's do this. Here are 10 money traps that will keep you poor and how to break out of each one.
如果你能消除它，这可能意味着勉强糊口和真正积累财富之间的区别。那么，我们开始吧。以下是10个会让你一直贫穷的金钱陷阱以及如何摆脱每一个陷阱。
Trap number one, scarcity mindset. This is the fear of spending money or taking risks. The impulse to hoard every dollar. You tell yourself you can't afford to invest in growth, so you do nothing.
陷阱一，稀缺心态。这是对花钱或冒险的恐惧。囤积每一美元的冲动。你告诉自己，你无力投资于成长，于是你什么也不做。
And ironically, that guarantees you'll always be short on money. Here is your truth. Money is a tool, not a trophy to tuck under your mattress. If you're too afraid to use it, you'll never have more of it.
而讽刺的是，这保证了你总是缺钱。这就是你的真相。金钱是一种工具，而不是塞在床垫下的战利品。如果你太害怕使用它，你就永远不会拥有更多。
Think about it. if a farmer refuses to plant seeds because he's afraid of losing them, he'll never get a harvest. It's the same with your money. Sitting on it due to fear is a sure way to stay broke.
想想看。如果一个农民拒绝播种因为他害怕失去种子，他就永远不会有收获。你的钱也是一样。因为恐惧而守着钱不放，注定会一直穷下去。
Successful entrepreneurs have an abundance mindset. They invest in themselves and their business confidently. Even when I was struggling, I forced myself to invest in help. I hired someone for just an hour a day to take over tasks that he was better than me at so I could focus on higher value work.
成功的企业家拥有富足心态。他们自信地投资于自己和自己的事业。即使在我苦苦挣扎的时候，我也强迫自己花钱寻求帮助。我雇了一个人，每天只工作一小时，来接手那些任务那些他比我更擅长的事这样我就能专注于更高价值的工作。
Did it cost money I felt I didn't have? Yes. But freeing up that hour led to more growth and more money. The scarcity- minded you would never have done that. That you stay stuck. So here's your action step.
它是不是花了我觉得自己没有的钱？是的。但腾出那一小时带来了更多成长和更多钱。心态匮乏的你绝不会那样做。你会一直停滞不前。所以这是你的行动步骤。
Next time you're scared to spend on something that could grow your business, a course, a tool, an employee. Remember avoiding calculated risks is the riskiest move of all. If you want this year to be different, you have to loosen the grip.
下次你害怕花钱买一些能让你业务增长的东西时，一门课程、一个工具、一名员工。记住，回避经过计算的风险才是所有做法中最冒险的。如果你想让今年有所不同，你就必须松开紧握的手。
Invest in your growth or remain forever a servant to pennies. Chap number two, believing money is not important. I don't care about money. I do it for passion. It sounds noble, right?
投资于你的成长，否则你将永远为几分钱做奴仆。第二章，相信金钱并不重要。我不在乎钱。我这么做是出于热爱。听起来很高尚，对吧？
It's also a recipe for staying poor. I'm all about mission. My channel exists to spread belief. But if you don't make money, you can't keep going. Some entrepreneurs wear burnout and poverty like a badge of honor, as if making money would taint their purity.
这也是保持贫穷的秘诀。我全心投入使命。我的频道存在的意义就是传播信念。但如果你不赚钱，你就无法继续下去。有些创业者把倦怠和贫穷当作荣誉勋章一样佩戴，仿佛赚钱会玷污他们的纯洁。
That's nonsense. Money is oxygen for your business. If you ignore it, your dream dies. I had this blind spot myself at a mastermind. My peers told me, "Evan, we want to pay you more, but you haven't given us away."
那是胡说八道。金钱是你生意的氧气。如果你忽视它，你的梦想就会破灭。我在一次智囊团会议上也有过这个盲点。我的同行们告诉我，“埃文，我们想付你更多钱，但你还没有给我们让利。
It hit me that I was so focused on service. I hadn't built monetization into my mission. And I used to say, "I'll do it for free if I have to." And I meant it. But that mindset was holding me back from scaling my impact.
我突然意识到，我太专注于服务了。我没有把变现纳入我的使命中。我过去常说：“如果必须的话，我愿意免费做。”我是认真的。但这种心态阻碍了我扩大影响力。
I learned that money can't be your number one motivation, but it must be in your top five. If your mission really matters, you owe it to yourself to fund it properly. Think of money as the fuel or your gasoline that you have on your fire.
我学到金钱不能成为你的首要动力，但它必须在你前五的动力之中。如果你的使命真的很重要，你有责任为自己妥善地提供资金。把金钱看作燃料或你的汽油让你火上浇油。
More fuel, bigger fire. Does running on fumes make you a martyr? No. It makes you a struggling amateur who might have to quit their dream and go back to a day job. So, your action step is start respecting money.
更多燃料，更大火焰。靠残油行驶会让你成为殉道者吗？不。那只会让你成为一个苦苦挣扎的业余爱好者可能不得不放弃梦想，回去做朝九晚五的工作。所以，你的行动步骤是开始尊重金钱。
Charge what you're worth. Create offers and products that bring in revenue, not because you're greedy, but because revenue equals longevity. It equals impact. Money in your pocket means you get to keep serving, keep improving, keep living your purpose.
按你的价值收费。创造能带来收入的产品和服务，不是因为你贪婪，而是因为收入等于长久。它等于影响力。口袋里的钱意味着你可以继续服务，继续改进，继续践行你的使命。
Breathe life into your business by embracing profit not as the goal, but as the means to amplify your goal. Chop number three, the get-richqu illusion. This one is deadly because it seduces you with flashy promises, crypto schemes, mean stocks, guaranteed six figures in 30 days courses.
为你的企业注入活力，将利润视为手段而非目标，用它来放大你的目标。第三刀，快速致富的幻觉。这一刀致命，因为它用花哨的承诺诱惑你，加密货币骗局、热门股票、保证30天内赚到六位数的课程。
If you're chasing those, you're running on this hamster wheel, right? The reality is almost nobody wins that game. Studies show that over 97% of day traders lose money over time. Did you hear that again?
如果你在追逐这些，你就是在踩这个仓鼠轮，对吧？现实是，几乎没有人能赢那个游戏。研究表明，超过97%的日内交易者长期亏损。你又听到那个了吗？
You think you're the exception? The odds say that you're not. Trying to get rich quick is like trying to sprint in a marathon. You burn out or collapse financially. Wealth built fast rarely last.
你以为你是例外？概率表明你并不是。试图快速致富就像在马拉松中冲刺。你要么身心俱疲，要么财务崩溃。快速积累的财富很少能持久。
Look at the dotcom bust. Look at the crypto crashes. Fortunes made in months disappeared overnight for those who didn't have solid fundamentals. And psychologically, the more you chase instant rewards, the more you wire your brain for short-term thinking.
看看互联网泡沫的破灭。看看加密货币市场的暴跌。那些没有坚实基本面的人，几个月内积累的财富一夜之间就消失了。从心理学角度来说，你越是追逐即时回报，你的大脑就越会被训练成短期思维模式。
Remember the famous Stanford marshmallow experiment? Kids who resisted eating one marshmallow immediately to get two later ended up with better grades, better jobs, and way more success decades later.
还记得著名的斯坦福棉花糖实验吗？那些忍住没有立刻吃掉一颗棉花糖、以换取之后能得到两颗的孩子，最终取得了更好的成绩，更好的工作，并在几十年后获得了多得多的成功。
Why? Because delayed gratification is a superpower. It means you can sacrifice now for a greater payoff later. If you lack that, you'll always snatch at pennies and miss out on dollars.
为什么？因为延迟满足是一种超能力。这意味着你可以牺牲现在，换取日后更大的回报。如果你缺乏这种能力，你就会总是抓住芝麻，错过西瓜。
So, your action step, commit to the long game. If you catch yourself saying, "Why am I not rich yet? I need a shortcut." Slap yourself, right? figuratively. Decide to get rich for sure, but not to get rich quick.
所以，你的行动步骤是，致力于长远的目标。如果你发现自己说：“为什么我还没富起来？我需要一条捷径。”给自己一巴掌，对吧？比喻意义上。下定决心要致富，但不要追求快速致富。
Build real value. Develop skills. Put in the reps. It might take longer, but when you get there, you'll stay rich. Every overnight success you admire took years of unseen work. Keep that in mind every time you're tempted by the next hot Tip number four, stagnating your learning.
创造真正的价值。培养技能。投入反复练习。这可能需要更长时间，但当你到达那里时，你会一直富有。你羡慕的每一个一夜成名都经历了多年无人看见的努力。每次你被下一个热门第四条建议诱惑时，请记住这一点，它会让你的学习停滞不前。
The moment you think you've arrived or I know enough, you're done. The world is changing faster than ever. this year will belong to the innovators, the learners, the adapters, the tinkerers.
当你认为自己已经功成名就，或者觉得“我懂得够多了”的那一刻，你就完了。世界正以前所未有的速度变化。今年将属于创新者，学习者，适应者，修补匠。
If you're not obsessed with learning, you will be left behind. Maybe you've got a degree or some experience and you think that's enough. I'll tell you what I discovered. My business degree was practically useless when it came to real entrepreneurship.
如果你不痴迷于学习，你将被抛在后面。也许你有学位或一些经验你认为这就够了。我来告诉你我的发现。我的商科学位几乎毫无用处在真正的创业中。
In my senior year at University of Toronto, I finally got a class on entrepreneurship, on small business, and the professor had never even run a business himself. While my classmates played it safe with case studies about fake coffee shops, I was out there running a real company at the time and struggling and none of my professors could help me.
在多伦多大学读大四时，我终于选上了一门创业课，关于小企业的，而那位教授自己从没经营过企业。当我的同学们还在做案例分析研究那些虚构的咖啡店时，我当时正在外面经营一家真实的公司，苦苦挣扎，而我的教授们没有一个能帮到我。
I learned more from YouTube shows than an entire semester of lectures. That's how out of touch formal education was with entrepreneurship. And guess what? Today, the best teachers are on YouTube or podcasts or forums.
我从YouTube节目中学到的比整个一学期的讲座还要多。正规教育就是如此脱离实际与创业精神。你猜怎么着？如今，最好的老师在YouTube、播客或论坛上。
People actually in the game sharing their up tothe-minute insights. If you're not tapping into that, you're choosing ignorance. Meanwhile, technology is exploding. AI, social platform, shifting market trends.
真正身处其中的人分享他们最新的见解。如果你不利用这些资源，你就是选择无知。与此同时，技术正在爆炸式增长。人工智能、社交平台、不断变化的市场趋势。
You can't rely on what worked in 2016 or 2023. You need to be upskilling constantly. Read books, take courses, follow industry leaders, watch YouTube videos, experiment with new tools.
你不能依赖2016年或2023年行之有效的方法。你需要不断学习新技能。读书、上课，关注行业领袖，观看YouTube视频，尝试新工具。
The top CEOs read dozens of books a year, always hunting for one idea that gives them an edge. So, your action step, schedule daily learning. Yes, daily. Even 30 minutes of reading or watching a YouTube video or tutorial.
顶尖的CEO们每年读几十本书，总是在寻找一个能让他们获得优势的想法。所以，你的行动步骤是，安排每日学习。是的，每天。哪怕只是30分钟的阅读或观看YouTube视频或教程。
Adopt a beginner's mindset. assume that there's always something that you don't know because there is. This year, ignorance will cost you more than ever, but if you keep learning, you won't just make more money.
保持初学者的心态。假设总有某些东西是你不知道的，因为确实如此。今年，无知会让你付出比以往更大的代价，但如果你持续学习，你不仅会赚更多的钱。
You'll futureproof your Trap number five, lifestyle, inflation, and looking rich. This trap is sneaky because society will clap for you while you fall into it. You make a bit of money and you immediately upgrade your lifestyle.
你将使你的第五个陷阱经得起未来考验，生活方式、通货膨胀和看起来富有。这个陷阱很隐蔽，因为社会会为你鼓掌而你却掉进了陷阱。你赚了一点钱就立刻升级你的生活方式。
Bigger apartment, nicer car, expensive gadgets to look successful. After all, you deserve it, right? Here's the problem. When your income goes up, if your spending matches it, you're not growing wealth.
更大的公寓，更好的车，昂贵的电子产品来显得成功。毕竟，你值得拥有，对吧？问题就在这里。当你的收入增加时，如果你的支出也随之增加，你的财富并没有增长。
You're just on a nicer treadmill. Now, I've seen entrepreneurs make $100,000 in revenue and spend 110K trying to appear like ballers. The math doesn't work. Even multi-millionaires go broke from this.
你只是换到了更高级的跑步机上。我见过一些创业者赚了10万美元的收入却花掉11万来装阔。这在数学上根本行不通。即使是千万富翁也会因此破产。
78% of NFL players are either bankrupt or under serious financial stress within 2 years of retirement. These are people who earned millions per year. And 60% of NBA players are broke within five years of leaving the league.
78%的NFL球员要么破产要么面临严重的财务压力在退役后的两年内。这些人每年赚数百万美元。而60%的NBA球员破产了在离开联盟后的五年内。
How is that possible? Lifestyle inflation. They felt like they had to flex Lamborghinis and jewelry, spend like kings, help every second cousin and old friend who asked, and they blew their money.
这怎么可能？生活方式膨胀。他们觉得必须炫耀兰博基尼和珠宝，像国王一样挥霍，帮助每一个开口的远房表亲和旧友，结果把钱挥霍一空。
Wealth is silent. Poverty is loud. If you're spending money to prove to others that you have money, that's a fool's game. Real millionaires are investing into assets, not liabilities, to stunt on Instagram.
财富是无声的。贫穷是响亮的。如果你花钱是为了向别人证明你有钱，那是大聪明的游戏。真正的百万富翁投资的是资产，而不是负债，去在Instagram上炫耀。
They're not buying depreciating toys on credit. They're reinvesting in their business and stocks and real estate, things that make money while they sleep. Meanwhile, the pretenders stay one hiccup away from complete disaster.
他们不会用信用卡购买会贬值的东西。他们会将资金再投资于自己的生意以及股票和房地产，这些能在他们睡觉时赚钱的东西。与此同时，那些装模作样的人始终离彻底灾难只差一步之遥。
So, your action step, cap your lifestyle. Pick a modest baseline and stick to it as your income grows. Instead of a fancy car, get a fancy investment portfolio. Let your results do the talking, not your Gucci belt.
所以，你的行动步骤是，限制你的生活方式。选择一个适度的基准，并随着收入的增长坚持下去。不要买豪车，而是打造一个豪华的投资组合。让你的成果说话，而不是你的古驰腰带。
This year, economic ups and downs will hit the flashy spenders hardest. Be smart now so you're not selling your luxury junk later to pay your rent. Remember, you're building empires, not trying to look like a king for a day.
今年，经济的起伏将最严重地打击那些挥金如土的人。现在就明智起来这样你以后就不必变卖你的奢侈品来付房租了。记住，你是在建立帝国，而不是试图做一天的国王。
Chop number six, doing everything yourself. The oneperson army, the soloreneur who refuses to delegate, that mentality will keep you broke and exhausted. You might think you're saving money by not hiring, not outsourcing, not partnering, but you're actually stealing from your own future.
第六个要戒掉的习惯，凡事亲力亲为。一人军队，拒绝授权的单干创业者，这种心态只会让你既穷又累。你可能以为不雇人就能省钱，不外包，不合作，但实际上你是在偷走自己的未来。
Why? because you're capping your growth to the hours that you personally can work. There are only so many hours in a day. And if you insist on being the hero who does it all, you will burn out before you ever build real wealth.
为什么？因为你把自己的成长上限限制在了你个人能工作的小时数上。一天只有那么多小时。如果你坚持要做那个包揽一切的英雄，你会在真正积累财富之前就精疲力竭。
I'll share a quick story. I met a YouTuber with 6 million subscribers, had a huge audience, and he had just hired his first virtual assistant because until then, he'd been doing everything himself.
我来分享一个简短的故事。我遇到了一位拥有600万订阅者的YouTuber，拥有庞大的观众群，而他刚刚雇用了他的第一位虚拟助理因为在那之前，他一直都是一个人包办所有事情。
The editing, the thumbnails, the emails, all of it. This guy was a rockstar on the outside, but behind the scenes, he was drowning in busy work. It blew my mind and it reinforced one of my core beliefs.
剪辑、缩略图、电子邮件，所有这些。这个人表面上是摇滚明星，但在幕后，他正淹没在繁杂的工作中。这让我大开眼界，也坚定了我的一个核心理念。
You have to build a team if you want to go from just hustling to actual enterprise. And I get it. Nobody does it as good as you, right? And paying others feels like a luxury when money is tight.
你必须组建一个团队如果你想从单打独斗走向真正的企业。我明白。没人能做得像你一样好，对吧？而且在手头紧的时候，花钱请别人感觉像是一种奢侈。
But not hiring help when you're overloaded is a trap. Think about it. If you spend 10 hours a week doing $10 an hour task, that's a $100 of value. If you paid someone $10 an hour to do it, that's a $100 out of your pocket.
但当你不堪重负时，不找人帮忙其实是个陷阱。想想看。如果你每周花10小时做时薪10美元的任务，那就是100美元的价值。如果你付给别人每小时10美元来做这件事，那就是从你口袋里掏出100美元。
But those 10 hours could be used to generate $1,000 of value or $10,000 doing higher level strategy, sales, product development. So action step, identify the one task that consumes your time and someone else could do at half your rate or better.
但那10个小时可以用来创造1000美元的价值或者用1万美元做更高层次的战略，销售、产品开发。所以行动步骤是，找出那项消耗你时间的任务而别人能以你一半的时薪或更低的价格完成。
Outsource it this month, even for a trial run. Start small if you have to. Hire a freelancer for 5 hours a week. Your future self will thank you as you find yourself with more time to make real money.
这个月就把它外包出去，哪怕只是试运行。如果有必要，从小处着手。每周聘请一名自由职业者工作5小时。未来的你会感谢自己因为你发现自己有更多时间去赚真正的钱。
Remember, businesses are built by teams, not lone heroes. You're not just an entrepreneur. Become a leader of people, even if it's one part-timer to start. Chap number seven, never asking for help or advice.
记住，企业是由团队建立的，而不是孤胆英雄。你不仅仅是一名创业者。成为人们的领导者，即使一开始只是一名兼职人员。第七章，从不寻求帮助或建议。
Pride, fear of looking stupid, I have to figure it out on my own. These attitudes will silently rob you of your success. Listen, every great entrepreneur that you admire had mentors, coaches, adviserss guiding them.
自尊心，害怕显得愚蠢，我必须自己解决。这些态度会悄然夺走你的成功。听着，你钦佩的每一位伟大企业家都有导师，教练、顾问指导他们。
Steve Jobs had Bill Campbell, Zuckerberg had Steve Jobs. Gates had Buffett in his corner. Meanwhile, you're over there googling or chatting between for hours just flailing in silence because you're too proud or too shy to ask someone who's been there for help.
史蒂夫·乔布斯有比尔·坎贝尔，扎克伯格有史蒂夫·乔布斯。盖茨有巴菲特的支持。与此同时，你却在那边谷歌搜索或者聊上几个小时，只是在沉默中瞎折腾因为你太骄傲或太害羞不愿向经历过的人求助。
And I struggled with this, too. I'm an introvert. I don't like bothering people for years. Asking for help was my biggest weakness. Probably still is. I thought I had to do everything myself.
我也曾为此挣扎过。我是个内向的人。我不喜欢多年来一直打扰别人。寻求帮助曾是我最大的弱点。可能现在仍然是。我以为我必须自己完成一切。
Back to trap number six. But once I started seeking guidance, everything started to change. I joined a mastermind group. I reached out to entrepreneurs I looked up to. And very often, people are willing to help.
回到第六个陷阱。但一旦我开始寻求指导，一切就开始改变了。我加入了一个智囊团。我主动联系了我敬佩的企业家。而且很多时候，人们都愿意帮忙。
84% of CEOs say that having mentors prevented them from making costly mistakes. And 69% of them made more profitable decisions thanks to mentor guidance. That's data. Even the top of the top lean on mentors to fasttrack their learning if the highest performers can benefit from advice.
84%的首席执行官表示，有导师帮助他们避免了犯下代价高昂的错误。其中69%的人做出了更有利可图的决策这得益于导师的指导。这就是数据。即便是顶尖中的顶尖也要依靠导师来加速他们的学习如果最优秀的人都能从建议中受益。
Why on earth would you try to wing it alone? It's pure ego or ignorance. Both will keep you broke. So action step, swallow your pride and actively seek out mentorship. This could mean reaching out to someone in your field that that you respect with a specific question, joining a local entrepreneur mastermind or meetup group, or even just posting your challenge in a community of your peers.
那你究竟为什么要试图独自应付呢？这纯粹是自负或无知。两者都会让你破产。所以行动步骤，放下自尊，主动寻求导师指导。这可能意味着联系你所在领域中你尊重的人，提出一个具体问题，加入本地创业者智囊团或聚会小组，或者甚至只是发布你的挑战在同行的社区中。
Not asking is a guaranteed no. The worst that can happen is someone says they're too busy. So what? Move on to the next. When I was stuck early on, I could have saved so much time if I had just asked someone who'd already built a business for advice.
不开口问，结果肯定是拒绝。最坏的情况也不过是对方说自己太忙。那又怎样？继续找下一个。在我早期陷入困境时，如果当时我直接向已经创业成功的人请教，本可以省下太多时间。
Instead of assuming the bank would help me or suffering in isolation. Don't let your pride or your fear keep you ignorant. This year, make it a rule. If you don't know, ask. Save yourself years of trial and ror.
而不是想当然地以为银行会帮我，或独自苦苦挣扎。别让你的自尊或恐惧让你一无所知。今年，把它定为一条规则。不懂就问。省下多年试错的时间。
Your net worth will often depend on your net worth. So, start building one that can guide and inspire you. Top number eight, waiting for the savior or a sign. This one's a bit counterintuitive.
你的净值往往取决于你的社交网络。所以，开始建立一个能指导和激励你的社交网络吧。第八大要点，等待救世主或一个征兆。这一点有点反直觉。
It's when you wait for an outsider to rescue you, a bank loan, an investor, the perfect moment instead of creating momentum yourself. It's the mindset of if only I had X, then I would succeed.
就是你等待一个外人来拯救你，一笔银行贷款，一个投资者，完美时机而不是自己去创造势头。这是一种“要是我有X，我就能成功”的心态。
And I see entrepreneurs fall into this trap all the time. They think a big investor is going to suddenly appear or write them a check or a bank will just toss them tons of money because they had the courage to start a business.
我看到创业者总是掉进这个陷阱。他们以为一个大投资者会突然出现或者给他们开一张支票或者银行会因为他们有勇气创业就大把大把地给他们钱。
I made this mistake myself at 19. I walked into a bank. My head was held high and I said, "Hi, I'm starting a business. How can you help me?" Expecting them to be as excited as I was.
我19岁时也犯过这个错误。我走进一家银行。我昂首挺胸地说：“你好，我要创业了。你们能怎么帮我？”期待他们能和我一样兴奋。
And the banker basically laughed me out of the door. They told me, "No loan without three years of history or huge collateral." I left feeling crushed like, "Oh my god, I'm going to fail.
银行家基本上是笑着把我赶出了门。他们对我说，“没有三年的经营历史或巨额抵押品，就没有贷款。”我离开时感觉被彻底击垮了，心想：“天哪，我要失败了。
This is ridiculous." For a minute, I thought maybe that was it. Maybe I wasn't meant to be an entrepreneur if even the bank didn't believe in me. But here's what I realized. Nobody's coming to save you.
这太荒谬了。”有那么一瞬间，我以为也许就这样了。也许我注定不适合创业如果连银行都不相信我。但我意识到了一点。没有人会来救你。
That rejection was actually a gift because it forced me to get creative. Many people would have quit right there. In fact, a lot of new entrepreneurs do quit after their first big rejection or failure.
那次拒绝实际上是一份礼物因为它迫使我发挥创造力。很多人可能就此放弃了。事实上，很多新创业者确实会放弃在经历第一次重大拒绝或失败之后。
They take it as a sign that it wasn't meant to be. That's the trap. The truth is setbacks are normal. Rejection is normal. Waiting around for perfect conditions or someone else's money is a losers game.
他们把这当作缘分未到的征兆。这就是陷阱。事实是，挫折是正常的。拒绝是常态。坐等完美条件或等别人的钱，是输家的游戏。
If id waited for an investor or kept begging banks, I'd still be waiting. Instead, I bootstrapped. I cut expenses. I hustled for sales. We made alliances. Remember the idea of modeling Bill Gates's partnership strategy?
如果我当初等待投资人，或不断求银行，我到现在还在等。相反，我自力更生。我削减了开支。我拼命争取销售。我们建立了联盟。还记得模仿比尔·盖茨合作策略的想法吗？
Eventually, I didn't need the bank's money. My business funded itself. So, your action step, whatever you're waiting for, stop waiting. Start doing. If you think you need funding, challenge yourself to launch a smaller version of your idea with whatever resources that you have right now.
最终，我不需要银行的钱了。我的业务是自筹资金的。所以，你的行动步骤，无论你在等待什么，停止等待。开始行动。如果你觉得你需要资金，挑战自己，用你现有的资源推出你想法的一个更小版本。
Prove that it works. Get some traction. If you're waiting for the economy to improve, find a way to serve people in this economy right now. If you're waiting for permission or validation from some expert, give yourself permission.
证明它可行。获得一些关注。如果你在等待经济好转，那就想办法在当下的经济环境中为人们提供服务。如果你在等待某个专家的许可或认可，那就自己给自己许可。
This video is your permission. The only savior you need is the person in the mirror. No more waiting for someday or someone. Successful people start before they're ready, and they trust that they'll find out what they need along the way, not Ch number nine, not managing your money.
这个视频就是你的许可。你唯一需要的救世主就是镜中的那个人。不要再等待某一天或某个人。成功的人在准备好之前就开始行动，他们相信会在过程中找到自己需要的东西，不是第九章，不是管理你的钱财。
Look, it doesn't matter how much you make if you can't manage what you have. Plenty of entrepreneurs have high income and still end up broke because they don't know where their money is going.
听着，你赚多少钱并不重要如果你管理不好自己拥有的钱。很多企业家收入很高却依然破产，因为他们不知道自己的钱都去了哪里。
Ignoring your finances is a huge trap. Maybe find it boring. Spreadsheets, budgets, taxes. So, you avoid it. Or you assume your cash flow is fine because sales are coming in. That's a big mistake.
忽视自己的财务状况是一个巨大的陷阱。也许觉得它很无聊。电子表格、预算、税务。所以，你会逃避它。或者你假设你的现金流没问题因为销售正在进来。那是个大错误。
According to a US bank study, 82% of businesses fail due to poor cash flow management. That means almost eight out of 10 businesses don't die from lack of ideas or even lack of customers.
根据一项美国银行研究，82%的企业因现金流管理不善而失败。这意味着几乎十家企业中有八家并非死于缺乏创意，甚至也不是缺乏客户。
They die because the owners weren't on top of the money moving in and out. They run out of cash and boom, game over. You must know your numbers, your monthly expenses, your revenue, your profit margins, your your burn rate.
它们倒闭是因为老板没有掌控好资金的进出。他们用光了现金，然后砰，游戏结束。你必须清楚你的数字，你的每月开支，你的收入，你的利润率，你的资金消耗率。
If you're burning savings, all of it. When I started making a bit of money, I hated accounting. So, you know what I did? I didn't ignore it. I delegated it. One of the first things I let go of was doing my own books because I knew if I tried to handle it while hating it, I'd probably screw it up. I used Microsoft Money software to automate what I could. And as soon as I could, I hired a part-time bookkeeper. I kept an eye on everything, but I left someone who loves numbers handle the details.
如果你在消耗积蓄，全部积蓄。当我开始赚到一点钱时，我讨厌会计。所以，你知道我做了什么吗？我没有忽视它。我把它委派给了别人。我最早放手的一件事就是自己做账因为我知道，如果我一边讨厌它一边硬着头皮处理很可能会搞砸我用Microsoft Money软件尽可能实现自动化等到条件允许，我立刻雇了一位兼职记账员我关注着一切，但细节我交给了一个热爱数字的人去处理。
So, that key point is I respected the numbers. You need to respect your numbers, too. If you're not a finance person, fine. But the excuse, "I'm not good at math," doesn't fly when your business goes under.
所以，关键在于我尊重数字。你也需要尊重你的数字。如果你不是财务人员，没关系。但借口，“我不擅长数学”，当你的生意倒闭时就行不通了。
So, action step today, make a simple financial dashboard for yourself. Track your monthly income, the expenses, your net profit. At the very least, you can use a spreadsheet, an app, I don't care.
所以，今天的行动步骤是，为自己制作一个简单的财务仪表板。追踪你的月收入、支出和净利润。至少你可以用一个电子表格、一个应用程序，我不在乎。
Just have visibility on it. Set a weekly date with yourself. Money Mondays, for example, to review and update your finances. Find one expense to cut or optimize and one area to potentially invest more in.
只要能看到它就行。每周与自己约会一次。比如，金钱星期一，用来审查和更新你的财务状况。找出一个可以削减或优化的开支，以及一个可以潜在增加投资的领域。
And please separate your personal and your business finances, right? Pay yourself a salary or draw so you're not constantly mixing your funds and losing track of what's what. When you know your numbers, you can control them.
并且请将你的个人和你的商业财务分开，对吧？给自己发工资或提款这样你就不会不断混淆你的资金，也不会搞不清哪笔是哪笔。当你知道你的数字时，你就能控制它们。
They don't control you. Master this and you won't wake up one day surprised that you're out of cash. Instead, you'll wake up building true wealth systematically. And shot number 10, quitting too soon.
它们不会控制你。掌握这一点，你就不会某天醒来时惊讶地发现自己没钱了。相反，你醒来时会发现自己在系统地构建真正的财富。还有第10条，过早放弃。
The only guaranteed way to fail is to give up. Right? Cliche maybe, but it's cliche for a reason. It's true. And most people still don't get it. Quitting early is the ultimate wealth killer.
唯一注定失败的方式就是放弃。对吧？也许老生常谈，但老生常谈是有原因的。这是真的。而大多数人仍然不明白。过早放弃是财富的终极杀手。
Every entrepreneur faces pain and doubt and darkness on the road to success. Those who push through eventually see light. Those who quit stay in the dark forever. And I nearly fell into this trap myself.
每位企业家在通往成功的路上都会面临痛苦、怀疑和黑暗。坚持到底的人终会看到光明。那些放弃的人将永远留在黑暗中。而我自己也差点掉进这个陷阱。
As I told you, I almost quit my business in the first year when nothing was working. If I had stayed quit, you probably wouldn't know my name. I'd be working some job that I hate right now and none of the impact I've had would exist.
正如我告诉过你的，我在第一年差点放弃我的事业当时一切都不顺利。如果我当初退出了，你们可能根本不会知道我的名字。我现在可能正做着一份我讨厌的工作而我所产生的一切影响都不会存在。
I was this close to that reality. And it scares me how many people's success stories end early because they walked away right before the breakthrough. It's digging for gold. Most people stop 3 ft from gold because it's taking longer than they thought.
我离那个现实就差那么一点。让我感到恐惧的是，有多少人的成功故事过早结束因为他们恰好在突破之前选择了离开。这就像挖金子。大多数人在离金子还有3英尺的地方停了下来因为这比他们想象的要花更长时间。
I say keep digging. Often the breakthrough comes just when you're at your lowest and ready to quit. If you give it one more big push. After I decided to stick with my business and model Bill Gates, our first win, that 13 and a half thousand dollar deal, it came in not long after. That wasn't a coincidence. It was my persistence being rewarded. And it taught me that a failure is just an event.
我说继续挖。往往突破就在你最低谷和准备放弃的时候出现。如果你再大力推一把。在我决定坚持我的事业之后并以比尔·盖茨为榜样我们的第一次胜利那笔一万三千五百美元的交易没过多久就到来了那并非巧合那是我的坚持得到了回报它教会了我，失败只是一个事件。
It's not the end. Unless you make it the end by quitting. I try now to use my almost quit story to coach others that quantity leads to quality. You have to put in the reps to churn through the failures to get to the success.
这不是终点。除非你放弃，才让它成为终点。我现在试着用我差点放弃的经历来指导他人数量会带来质量。你必须付出反复的努力，经历失败才能达到成功。
If you bail after a handful of tries, you never develop mastery. You never hit the tipping point where it starts to brain money. So, your action step is make a commitment this year that you won't quit on anything important out of frustration or fear.
如果你尝试了几次就放弃，你永远无法精通。你永远达不到临界点那个开始赚钱的临界点。所以，你的行动步骤是今年做出承诺不会因为挫折或恐惧而放弃任何重要的事情。
If you're going to quit something, quit making excuses, but don't quit on your dream. Whenever you feel like giving up, remember why you started and picture yourself one year from now.
如果你要放弃什么，就放弃找借口吧，但不要放弃你的梦想。每当你想要放弃时，记住你当初为什么开始并想象一年后的自己。
If you keep going versus if you stop and use the pain of potential regret as fuel because if you persist through 10 failures, you might find success on number 11. But if you quit after three, you've guaranteed failure.
如果你坚持下去，与如果你停下来并把潜在遗憾的痛苦当作燃料因为如果你在10次失败后仍然坚持，你可能会在第11次找到成功。但如果你在三次后就放弃，你就已经注定了失败。
So, keep going. Adjust your strategy. Learn from the setbacks. Reread chat number seven about asking for help, but keep going. Persistence is undefeated in the long run. Winners are just ex losers who refuse to quit.
所以，继续前进。调整你的策略。从挫折中学习。重读第七条关于寻求帮助的聊天记录，但继续前进。从长远来看，坚持是不败的。赢家只是拒绝放弃的前失败者。
And most importantly, don't just watch this video passively. Do the work to call yourself out and improve. Most people won't even admit they have flaws to fix. You are. That already sets you apart from the masses who will just let another year go by and live in the reruns of the same mistakes.
最重要的是，不要只是被动地观看这个视频。付诸行动，指出自己的问题并加以改进。大多数人甚至不愿承认自己有需要改正的缺点。你就是。这已经让你与大众不同他们只会让又一年白白流逝并活在同样错误的重演中。
Now, it's on you to take action. Knowing these traps is step one. Doing something about them is step two. You've got this opportunity right now to set new habits, a new standard for how you handle money and success.
现在，采取行动就靠你了。了解这些陷阱是第一步。针对它们采取行动是第二步。你现在就有这个机会来建立新的习惯，一个处理金钱和成功的新标准。
So, take it. Getting rich isn't luck, it's law. Break the laws of money and you stay broke. Obey them and you get rich. Most people wander through life making excuses about why they can't build wealth.
所以，拿着吧。致富不是运气，而是法则。打破金钱的法则，你就会一直穷下去。服从它们，你就会变得富有。大多数人在人生中徘徊，为自己为何无法积累财富找借口。
Meanwhile, a small minority decide to learn the rules and act. If you keep ignoring how money really works, the years will pass. One day you'll wake up with nothing but regret. There's nothing worse than being old and realizing you missed your shot.
与此同时，少数人决定学习规则并付诸行动。如果你一直无视金钱真正的运作方式，岁月就会流逝。有一天你醒来时，只会剩下悔恨。没有什么比老了却发现自己错过了机会更糟糕。
Here's a brutal example. Ronald Wayne, he co-founded Apple with Steve Jobs and Steve Waznjak. Just 12 days in, he panicked. He sold his 10% stake for only $800. Why? He was afraid.
这里有个残酷的例子。罗纳德·韦恩，他与史蒂夫·乔布斯和史蒂夫·沃兹尼亚克共同创立了苹果公司。仅仅12天后，他就慌了。他以仅800美元卖掉了自己10%的股份。为什么？他害怕。
Afraid Apple's debts would ruin him. Today, that same stake would be worth over $300 Let that sink in for a second. One decision driven by fear cost him unimaginable wealth. He felt the pressure of potential failure so intensely that he quit.
担心苹果的债务会毁了他。如今，同样的股份价值将超过300美元，让我们稍作品味一下。一个被恐惧驱使的决定让他付出了难以想象的财富代价。他感受到潜在失败的巨大压力强烈到让他选择了放弃。
Now think about you. When you hesitate to invest in yourself, to start that business, to step out your comfort zone because you're scared to lose what little you have. That is the same fear that made Ronald Wayne give up a fortune.
现在想想你自己。当你犹豫是否要投资自己时，去创业，走出舒适区因为你害怕失去仅有的一点东西。正是同样的恐惧让罗纳德·韦恩放弃了一笔财富。
I felt that pressure, too. At 19, I quit the safe path to chase my dream. I left a highpaying banking job opportunity to start a company. went from being able to earn a comfortable salary to $300 a month and eating beans for lunch.
我也感受到了那种压力。19岁时，我放弃了安稳的道路去追逐梦想。我放弃了一个高薪的银行业工作机会去创办一家公司。从能够赚取一份舒适的薪水变成了每月300美元午餐只能吃豆子。
I was working every single day and nothing was working. I was so ashamed of being broke. I stopped hanging out with my friends. And in a moment of despair, I told my partner that I quit.
我每天都在工作，但什么都没起色。我为自己身无分文感到无比羞愧。我不再和朋友们来往。在绝望的一刻，我告诉了我的伴侣我放弃了。
That night, I couldn't sleep because I knew I'd hate myself forever if I gave up. So, I came back and I thought, if Bill Gates could build Microsoft from a garage, I can learn from him.
那天晚上，我无法入睡因为我知道我会永远恨自己如果我放弃了。所以，我回来了，我想，如果比尔·盖茨能从车库里建立微软，我可以向他学习。
I studied how Gates did it. every strategy, all his moves, and we modeled his success. And finally, something clicked. We landed a $135,000 deal, exploding from $300 a month to me to a real business.
我研究了盖茨是如何做到的。每一个策略，他的每一步棋，我们模拟了他的成功。终于，我恍然大悟。我们达成了一笔13.5万美元的交易，从每月300美元一跃成为真正的事业。
Modeling success saved my company. My worst days turned into a win because I refuse to stay down. Now, maybe you're thinking, "That's great for you, Evan, but I'm not Bill Gates. I'm just a normal person with bills and doubts."
模仿成功拯救了我的公司。我最糟糕的日子变成了胜利，因为我拒绝倒下。现在，也许你在想，“这对你来说很棒，埃文，但我不是比尔·盖茨。我只是一个普通人，有账单要付，也有疑虑。
Exactly. 88% of millionaires are self-made. They weren't born rich. They were normal people who built wealth by following the right principles. Nearly nine out of 10 millionaires started with nothing, no inheritance.
没错。88%的百万富翁是白手起家的。他们并非生来就富有。他们都是普通人通过遵循正确的原则积累了财富。近九成的百万富翁白手起家，没有继承任何遗产。
What they did have is the willingness to learn and to act. So if you've got that willingness, then why not you? The only thing between you and your wealth is the story you're telling yourself.
他们真正拥有的是学习和行动的意愿。所以如果你有这份意愿，那为什么不是你？你和你的财富之间唯一的阻碍就是你自己一直在讲述的故事。
It's time to stop believing that. You don't need to be a genius. You don't need a trust fund. You need a belief and a plan. And I'm going to give you that plan right now. Let's break it down.
是时候不再相信它了。你不需要是个天才。你不需要信托基金。你需要的是信念和计划。我现在就把那个计划告诉你。让我们来分解一下。
Here are the 10 laws of money you must follow to get rich. And yes, these will work even if you're starting from Law number one, money is your responsibility. No more blaming the economy, your family, or anyone else.
以下是你要致富就必须遵循的10条金钱法则。是的，这些方法会奏效即使你从第一条法则开始，金钱是你的责任。不要再责怪经济、你的家人或任何其他人。
Your wealth is 100% your responsibility. The moment you accept that, you gain power. Remember, most millionaires didn't start rich. They made themselves rich. They took ownership of their financial future.
你的财富100%是你自己的责任。当你接受这一点的那一刻，你就获得了力量。记住，大多数百万富翁并非生来富有。他们让自己变得富有。他们掌握了自己的财务未来。
You have to do the same. Stop waiting for a lottery, a bailout, or some guru to save you. No one is coming. It's on you to learn and to act. And this is empowering. When you realize that wealth is a skill, something you can learn.
你也必须这么做。不要再等待彩票、救助或某个大师来拯救你。没有人会来。学习和行动都取决于你自己。而这赋予了你力量。当你意识到财富是一种技能，一种你可以学习的东西。
You stop seeing money as this random accident that happens to people and you start seeing opportunities everywhere. Nearly nine in 10 millionaires are self-made, which means they started exactly where you are and decided to climb.
你不再把金钱看作随机意外发生在某些人身上的你开始到处看到机会。近九成百万富翁是白手起家的，这意味着他们从你现在的处境开始并决定向上攀登。
So ask yourself, are you going to be a victim of your finances or the hero of your story? Decide right now that you're in control. The divide between rich and poor will grow, but you don't have to be on the losing side.
所以问问你自己，你会成为自己财务的受害者还是自己故事里的英雄？现在就下定决心，掌控一切。贫富差距会越来越大，但你不必站在失败的一方。
Make the decision that you will learn whatever it takes. Do whatever it takes to create wealth. When you take responsibility, you unlock your ability to actually create change. Law number two, serve before you earn.
下定决心，无论需要学什么，你都要学会。不惜一切代价去创造财富。当你承担责任时，你就释放了真正创造改变的能力。法则二，先服务后收获。
Money follows value. It's that simple. The most successful people never just chase money. They chase being useful. Money is a byproduct of the value that you create. So if you want to get rich, stop asking, "How can I make more money?"
金钱追随价值。就这么简单。最成功的人从不只是追逐金钱。他们追求的是成为有用之人。金钱是你所创造价值的副产品。所以如果你想致富，别再问：“我怎样才能赚更多钱？”
And start asking, "How can I help more people, solve problems, ease pain, make life easier, happier, or better for other people?" That is what people pay for. As Zig Ziggler famously said, "You can have everything in life you want if you will just help enough other people get what they want."
而要开始问：“我怎样才能帮助更多人，解决问题、减轻痛苦，让生活更轻松、更快乐，或让他人的生活更美好？”这才是人们愿意为之付钱的东西。正如齐格·金克拉的名言所说，“你可以拥有生活中你想要的一切只要你帮助足够多的人得到他们想要的。”
Listen to that again. Tattoo it on your brain. Wealth is an exchange. You receive dollars in proportion to the value that you deliver. Want a million dollars? Deliver a million dollars worth of Law number three, spend less, invest more.
再听一遍。把它刻在你的脑海里。财富是一种交换。你获得的美元与价值成正比你所交付的价值。想要一百万美元？交付价值一百万美元的法则三，少花费，多投资。
This is basic but non-negotiable. Live below your means and invest the difference. You must pay yourself first. Before you buy gadgets or nights out, put aside money for investments, assets that will grow your wealth.
这是基本但不可协商的。量入为出，将差额用于投资。你必须先支付自己。在你购买小玩意或外出娱乐之前，先留出钱用于投资，那些能让你财富增值的资产。
Why? Compound interest. Albert Einstein called it the eighth wonder of the world. Money you invest wisely can snowball into a fortune over time. So, for example, if you invest even a few hundred dollars every month, starting now, you could have millions in the future thanks to compounding.
为什么？复利。阿尔伯特·爱因斯坦称之为世界第八大奇迹。明智投资的资金可以像滚雪球一样随着时间的推移变成一笔财富。所以，举个例子，如果你每月哪怕只投资几百美元，从现在开始，未来你可能拥有数百万美元这都要归功于复利。
But a dollar spent on junk today is gone forever. Wealthy people understand this. The point isn't what you earn, it's what you keep and what you grow. Law number four, multiply your income streams.
但今天花在垃圾上的每一美元都永远消失了。富人们明白这一点。重点不在于你赚了多少，而在于你留下了多少，以及你让多少增值。法则四，倍增你的收入来源。
Never rely on a single source of income. One paycheck, one client, one trick. That's a recipe for vulnerability, not wealth. The average millionaire has multiple streams of income.
永远不要依赖单一的收入来源。一份薪水，一个客户，一个招数。这是导致脆弱的配方，而不是财富。普通百万富翁拥有多种收入来源。
Think of income like a a table. One leg and it can fall over. Multiple legs and it's rock solid. If you lose your job or one business fails, you don't want your entire financial life crashing.
把收入想象成一张桌子。一条腿它就会倒。多条腿就坚如磐石。如果你失业了，或者一个生意失败了，你不会希望整个财务生活崩溃。
Diversify how money flows to you. This could mean a side hustle, investments that pay dividends or interest, rental income, royalties, online businesses. There are endless possibilities.
让资金以多种方式流向你。这可能意味着副业，支付股息或利息的投资，租金收入、版税，在线业务。有无限的可能性。
But important, diversify, but stay focused. This isn't a license to recklessly chase 10 things at once and master none of them. Build one solid stream first, then the next. Each should have a purpose.
但重要的是，要多元化，但要保持专注。这不是让你肆意同时追逐10件事却一件都不精通的许可证。先建立一条稳固的流，然后再建下一条。每个都应该有目的。
Law number five, move fast and learn. Speed trumps perfection. One of the biggest wealth killers is waiting. Waiting for the right time, waiting until you know everything, waiting for perfection.
法则五，快速行动并学习。速度胜过完美。最大的财富杀手之一就是等待。等待合适的时机，等到你了解一切，等待完美。
No. Money loves speed. Opportunities are like sunrises. If you wait too long, you miss them. And I learned this the hard way early in my career. I wasted an entire summer obsessing over having the perfect business plan.
不。金钱喜欢速度。机会就像日出。如果你等得太久，就会错过它们。我在职业生涯早期就通过惨痛的教训明白了这一点。我浪费了一整个夏天纠结于制定完美的商业计划。
I wanted everything to be just right before launching. And guess what? While I was planning, a competitor of ours was doing. And a big company came in looking to buy a business in our industry.
我想在启动前把一切做到完美。结果呢？在我做规划的时候，我们的一个竞争对手正在做。然后一家大公司进来了，想在我们这个行业收购一家企业。
And it came down to us and that competitor. We lost. They got acquired for $40 million. And I got nothing. Why? Because I was stuck in planning paralysis. That $40 million was a slap in the face because a halfbaked plan that you execute today will beat a perfect plan that you postpone indefinitely.
最后就只剩下我们和那个竞争对手了。我们输了。他们以4000万美元被收购了。而我什么也没得到。为什么？因为我陷入了计划瘫痪。那4000万美元是一记响亮的耳光因为一个你今天执行的半生不熟的计划，会胜过一个你无限期推迟的完美计划。
I could have been the 22-year-old who sold his company for $40 million. But I hesitated and I'm trying to never make that mistake by always moving before I feel ready. Law number six, never give up.
我本可以成为那个22岁的以4000万美元卖掉公司的人。但我犹豫了，而我正努力永远不再犯那个错误，办法就是在感觉准备好之前总是先行动。第六条法则，永不放弃。
Persist through pain. Persistence is undefeated. The only guaranteed way to fail is to quit. Every wealthy person you admire has one thing in common. They kept going. When others got discouraged and they stopped, they found a reason to press on.
在痛苦中坚持。坚持就是不败。唯一注定失败的方式就是放弃。你钦佩的每一个富人都有一个共同点。他们坚持下去了。当别人灰心丧气、止步不前时，他们找到了继续前进的理由。
Most people quit right before the miracle happens. They give up on the 10th try, not realizing success was waiting on the 11th. But not you, right? You will be the one who stays in the game.
大多数人在奇迹发生前就放弃了。他们在第10次尝试时放弃，却没意识到成功就在第11次等着他们。但你不是这样，对吧？你将是那个留在游戏中的人。
Remember Colonel Sanders from KFC? He was rejected 109 times trying to sell his chicken recipe, 109 nos before he got a single yes. He was in his 60s, sleeping in his car, living on $105 social security checks.
还记得肯德基的桑德斯上校吗？他在推销他的炸鸡配方时被拒绝了109次，在得到一个肯定答复之前，他得到了109个否定。他60多岁，睡在车里，靠105美元的社会保障金生活。
He could have said, "I'm too old for this." Or maybe it's not meant to be, but he didn't. Try 1 hit and KFC was born. Imagine if he quit on the hundth rejection or the 500th or the 108th.
他本可以说：“我太老了，做不了这个。”或者也许这就是命，但他没有。尝试一次，肯德基就诞生了。想象一下，如果他在第一百次被拒绝时就放弃了或者第五百次，或者第一百零八次。
We wouldn't be talking about him now, would we? Persistence beats resistance every single time. Law number seven, model the masters. Success leaves clues. Whatever your financial goal is, someone out there has already achieved something similar.
我们现在就不会谈论他了，对吧？坚持每一次都能战胜阻力。法则七，模仿大师。成功会留下线索。无论你的财务目标是什么，外面的某个人已经实现了类似的目标。
Why reinvent the wheel? Learn from the best. Find mentors. Study the greats. Pick apart the strategies of people who are doing what you want to do. When I was at rock bottom in my business, what pulled me out was modeling Bill Gates.
何必重新发明轮子？向最优秀的人学习。寻找导师。研究那些伟人。剖析那些人的策略，他们正在做你想做的事。当我的事业跌入谷底时，把我拉出来的是模仿比尔·盖茨。
I literally said, "How did Bill Gates build Microsoft into a hundred billion dollar plus empire?" And I broke it down step by step for clues, especially that first million. I applied those strategies to my tiny startup.
我原话是，“比尔·盖茨是如何把微软打造成一个千亿美元以上的帝国的？”我一步步拆解，寻找线索，尤其是那第一个一百万。我把这些策略应用到我那小小的初创公司上。
And that led directly to our first big victory. I borrowed Bill Gates's knowledge because I didn't have my own yet. This is the shortcut that isn't cheating. Learn from others decades of experience instead of burning decades yourself making the same Law number eight, invest in your own growth.
这直接带来了我们的第一个重大胜利。我借用了比尔·盖茨的知识因为我自己还没有。这是不算作弊的捷径。从他人几十年的经验中学习而不是自己耗费几十年犯下同样的第八定律，投资于你自己的成长。
You are the ultimate asset. The more valuable you become, the more you can earn and create. So the wealthy continually invest in improving themselves, their knowledge, their skills, their mindset.
你是最宝贵的资产。你越有价值，你能赚取和创造的就越多。所以富人不断投资于提升自己，他们的知识，他们的技能，他们的心态。
Benjamin Franklin famously said, "An investment in knowledge pays the best interest." He was right in 1776 and he's still right today. You have to continually upgrade. You read books on money.
本杰明·富兰克林有句名言，“对知识的投资回报最高。”他在1776年说得对，今天依然如此。你必须不断提升自己。你读关于金钱的书。
Watch YouTube videos on money and success. When was the last time you finished one? Take courses. Learn that high skill income. Attend a workshop or conference. Hire a coach if you can.
在YouTube上观看关于金钱和成功的视频。你上一次看完一个视频是什么时候？参加课程。学习高技能收入。参加研讨会或会议。如果可以，请一位教练。
These aren't expenses. They're investments and they appreciate in value. The $20 book that you read today could spark an idea that makes you $20,000 or $200,000 or$2 million. The course you take could qualify you for a job that pays double.
这些不是开销。它们是投资，而且会增值。你今天读的这本20美元的书可能会激发一个想法，让你赚到2万美元、20万美元或200万美元。你参加的课程可能让你获得一份工作薪水是双倍的。
The mentor you hire could reveal a strategy that saves you 5 years of struggle. This is real. I wouldn't be here talking to you if I hadn't devoured biographies and strategies of entrepreneurs in my earlier days and and still now today.
你聘请的导师可能会揭示一个策略能让你少奋斗5年。这是真的。我就不会在这里和你说话了如果我没有在早年如饥似渴地阅读企业家的传记和策略而且而且直到今天依然如此。
This was my education and it became my lifeline. Law number nine, find your why beyond money. This one might surprise you, but it's crucial. Don't make money your number one motivation.
这就是我的教育，它成了我的生命线。法则第九条，找到超越金钱的你的为什么。这个可能会让你惊讶，但它至关重要。不要把金钱当作你的首要动力。
You heard me right. Money as a goal by itself will eventually feel hollow or become discouraging. You need a mission, a purpose bigger than just I want to make a lot of money. Maybe you want freedom for your family or you want to travel the world or build schools in poor communities or to prove something to yourself.
你没听错。把金钱本身当作目标最终会让人感到空虚或变得令人沮丧。你需要一个使命，一个比“我想赚很多钱”更宏大的目标。也许你想为家人争取自由或者你想环游世界或者在贫困社区建学校或者向自己证明些什么。
Maybe you simply love the game of business or the craft that you are mastering. That deeper why is what motivates you through the grind. In my case, my mission is to help other entrepreneurs not struggle as much as I did when I was getting started.
也许你只是热爱商业这场游戏或者你正在精通的那门技艺。那个更深层的原因，才是支撑你熬过艰辛的动力。就我而言，我的使命是帮助其他创业者不必像我起步时那样艰难挣扎。
My purpose comes from my pain. The money is a byproduct and a tool to further that mission. I could go retire on a beach after all these years, but I won't because the mission matters more than a margarita by the pool.
我的目标源自我的痛苦。金钱只是副产品，是推进这一使命的工具。这么多年过去，我本可以去海滩上退休享福，但我不会，因为使命比泳池边的一杯玛格丽塔更重要。
I also don't like just sitting by the pool. And ironically, when you have a mission, you also tend to make more money because you pour your heart into it and people can feel the connection you have to the work that you're doing.
我也不喜欢只是坐在泳池边。而讽刺的是，当你有一个使命时，你也往往会赚更多的钱因为你倾注了全部心血人们能感受到那种联系你与所做工作之间的联系。
And law number 10, take care of your network. Relationships are riches. We've talked about multiple income streams, but here's an often overlooked stream. People. Your network. The relationships that you build can become an accelerator for your wealth.
法则第十条，照顾好你的人脉网络。人际关系即财富。我们讨论过多种收入来源，但这里有一种常被忽视的来源。人脉。你的人脉。你建立的关系可以成为加速器助你积累财富。
No one succeeds alone. The richest opportunities often come from who you know and who knows you. A strong network can open doors that skills alone can't. This isn't about sch smoozing or making fake friendships.
没有人能独自成功。最丰厚的机会往往来自你认识谁，以及谁认识你。强大的人脉能打开仅靠技能无法开启的大门。这并不是关于套近乎或建立虚假的友谊。
It's about genuinely connecting, providing value to others, and building trust. People like to do business and help those they know, like, and trust. Every major breakthrough in my career came through relationships.
关键在于真诚地建立联系，为他人提供价值，并建立信任。人们喜欢和自己认识、喜欢并信任的人做生意、提供帮助。我职业生涯中的每一次重大突破都源于人际关系。
My first big partnership got my software company off the ground. My YouTube channel growth exploded when I started asking for help. Even you watching this, we're building a relationship right now.
我的第一次重大合作让我的软件公司起步了。我的YouTube频道增长迅猛当我开始寻求帮助时。即使是正在观看这个的你，我们现在正在建立一段关系。
If you drop a hashtag believe in the comments, I try to remember people's names. We become connected. That's how community grows. You made it this far, which means you're serious about your knowledge.
如果你在评论中留下一个话题标签我会努力记住大家的名字。我们便产生了联系。社群就是这样发展起来的。你已经走到了这一步，这意味着你对知识是认真的。
And knowledge is power, but only when you use it. So use these laws starting today. Take one step, even a small one, for each law, and watch how fast things start to change for you.
知识就是力量，但只有当你运用它时才是如此。所以从今天起就运用这些法则吧。迈出一步，哪怕很小的一步，针对每一条法则，看看事情会以多快的速度开始为你改变。
I'm proud of you for investing in you this way. In 1985, Robert Kiyosaki and his wife hit rock bottom. They were homeless, living out of a beat up brown Toyota with exhausted credit cards and just a few dollars to their name.
我为你以这种方式投资自己而感到骄傲。1985年，罗伯特·清崎和他的妻子跌入了谷底。他们无家可归，住在一辆破旧的棕色丰田车里信用卡已刷爆名下只有几美元。
Each night those car seats were their bed and every morning they faced a gnawing fear of an uncertain future. Their situation was so desperate that a friend eventually offered them a basement room and they lived in that tiny basement for 9 months just to get back on their feet.
每晚那些汽车座椅就是他们的床每天早晨他们都要面对对未来不确定性的揪心恐惧。他们的处境如此绝望以至于一位朋友最终提出给他们一间地下室房间，他们住在那间狭小的地下室里整整9个月，只是为了重新振作起来。
Imagine the pressure. Mid30s, penniless, feeling like a complete failure. Kiasaki's dream of becoming rich was on the line and the easy choice would have been to give up. But here's what happened next.
想象一下那种压力。三十五六岁，身无分文，感觉自己彻底是个失败者。清崎的致富梦想岌岌可危而轻松的选择本会是放弃。但接下来发生的事是这样的。
By 1989, just four years later, Robert and Kim Kiyosaki were self-made millionaires thanks to smart investments in a booming real estate market. And by 1994, at ages 47 and 37, they never had to work another day in their lives.
到1989年，仅仅四年后，罗伯特和金·清崎成为了白手起家的百万富翁这得益于对繁荣房地产市场的明智投资。到了1994年，在47岁和37岁时，他们余生再也不必工作了。
He went from living in a car to achieving financial freedom in under a decade. Maybe you're thinking, "Sure, but Robert got lucky. He had a once-in-a-lifetime real estate boom. He wrote a best-selling book.
他从住在车里到在不到十年内实现财务自由。也许你会想，“当然，但罗伯特只是运气好。他遇到了一次千载难逢的房地产繁荣。他写了一本畅销书。
He's not me." Stop. Luck didn't make him rich. his mindset and his choices did. He wasn't born into wealth or connections. 80% of millionaires are first generation and earn their wealth on their own.
他不是我。”停下。运气并没有让他富有。是他的心态和选择让他富有的。他并非生于富贵之家或拥有广泛人脉。80%的百万富翁都是第一代并且是靠自己的努力积累财富。
The difference is that he refused to accept being broke as a life sentence. Kiyosaki likes to say broke is temporary, poor is eternal. He treated his broke state as a temporary challenge, not his identity.
区别在于他拒绝接受把破产当成人生的无期徒刑。清崎喜欢说，破产是暂时的，贫穷是永恒的。他把自己身无分文的状态视为暂时的挑战，而非自己的身份。
He focused on changing his situation, not complaining about it. and he followed principles that anyone can follow regardless of their background, including you. The only thing that separates you from the Robert Kiosakis of the world is a story that you're telling yourself.
他专注于改变自己的处境，而不是抱怨它。他遵循着一些原则，任何人都可以遵循这些原则，无论其背景如何，包括你。你和世界上的罗伯特·清崎之间唯一的区别就是你对自己讲的那个故事。
And we're about to change that story right now. Here's how Robert Kiyosaki built wealth from absolutely nothing and how you can, too. Let's break it down. Develop a wealthy mindset.
我们现在就要改变那个故事。以下是罗伯特·清崎如何从一无所有建立起财富的以及你如何也能做到。我们来分析一下。培养富有的心态。
Decide you won't stay broke. Every self-made success starts with a decision. Long before the money came, Kiyosaki made a decision that he would be rich. As a young man, he absorbed two very different mindsets from his rich dad and his poor dad.
下定决心不再贫穷。每一个白手起家的成功都始于一个决定。早在财富到来之前，清崎就下定决心要成为富人。年轻时，他吸收了两种截然不同的思维方式分别来自他的富爸爸和穷爸爸。
One taught him to chase opportunity, the other to cling to security. He chose the rich mindset. He learned that how you think about money matters more than how much you have right now.
一个教他追逐机遇，另一个教他紧守安稳。他选择了富人的思维方式。他明白了，如何看待金钱比你现在拥有多少更重要。
This is where you need to start. Decide that being broke is a temporary state, not who you are. Kiyosaki believed fiercely that he would become wealthy even when he was sleeping in that car.
这是你需要开始的地方。认定身无分文只是一种暂时的状态，而不是你的身份。清崎坚信自己会变得富有，即使当他睡在那辆车里时。
That belief shaped his decisions instead of his fear. He ignored the naysayers, including that little voice of doubt, and kept his eyes on a wealthy future. As he famously said, "Poor dad lived in fear and never escaped the rat race.
这种信念而非恐惧塑造了他的决定。他无视那些反对者，包括内心那微弱的不确定声音，并将目光锁定在富足的未来。正如他 famously 所说，“穷爸爸活在恐惧中，从未逃离老鼠赛跑。
While rich dad taught him that the poor and middle class work for money, but the rich have money work for them." That mindset shift from earning to creating wealth starts with you deciding to adopt it.
而富爸爸教他的是穷人和中产阶级为钱工作，但富人让钱为他们工作。从赚钱到创造财富的这种心态转变始于你决定去接纳它。
Remember, 80% of millionaires started with nothing. The ones who made it simply believed that they could. Kiaki himself warns that the one thing that holds all of us back is some degree of self-doubt.
记住，80%的百万富翁都是从一无所有开始的。那些成功的人只是相信自己能做到。基阿基本人警告说，唯一阻碍我们所有人的就是某种程度的自我怀疑。
So ask yourself, are you going to let that self-doubt win or will you choose right now to believe that you deserve to be wealthy and start thinking like a rich person? Commit to the wealthy mindset.
所以问问你自己，你是要让这种自我怀疑获胜还是现在就选择相信自己值得拥有财富并开始像富人一样思考？致力于富人心态。
That decision costs $0, but it's the foundation for every dollar you'll ever earn. Invest in financial education and mentors. Knowledge is the new money. When you have no money, knowledge is your greatest asset.
那个决定花费0美元，但它是你未来赚到的每一美元的基础。投资于金融教育和导师。知识就是新的金钱。当你没有钱时，知识是你最大的资产。
Robert Kiyosaki didn't stumble into wealth blindly. He sought out mentors and education early. As a kid, he had his best French father, that's his rich dad, teach him lessons about money that school never did.
罗伯特·清崎并非盲目地积累财富。他早年就寻求导师和教育。小时候，他最好的法国父亲，也就是他的富爸爸，教了他学校从未教过的金钱知识。
He learned how the wealthy think about taxes, assets, and investing while other kids were just thinking about their next allowance. That gave him a huge head start. But here's the key.
他学到了富人如何看待税收、资产和投资，而其他孩子只是在想下一次的零花钱。这让他有了巨大的领先优势。但关键在于。
You don't need a personal rich dad to start your financial education. We live in a time when the world's knowledge is available at your fingertips. Books, videos like this, courses, use them.
你不需要一个私人的富爸爸来开始你的财商教育。我们生活在一个世界知识触手可及的时代。书籍、像这样的视频、课程，利用它们。
Kiyosaki often says, "Money without financial intelligence is money soon gone." on. In other words, if you somehow get rich quick but lack financial savvy, you will lose it. He knew that earning money was pointless if he didn't know how to keep and grow it.
清崎经常说，“没有财商的金钱很快就会消失。”继续。换句话说，如果你以某种方式快速致富但缺乏理财头脑，你就会失去它。他知道赚钱毫无意义如果他不懂得如何守住并增值财富。
So, he devoured financial education. He learned accounting basics, studied real estate, and soaked up advice from self-made millionaires. If you're starting from zero, commit to learning every single day.
于是，他如饥似渴地学习金融知识。他学习了会计基础，研究了房地产，并吸收了白手起家的百万富翁们的建议。如果你从零开始，就坚持每天学习。
It cost you nothing. Read Rich Dad Poor Dad to start shifting your perspectives on money. Read other personal finance classes. You can study entrepreneurs who built themselves up. We feature them a lot on this channel.
这不会让你有任何损失。读一读《富爸爸穷爸爸》开始转变你对金钱的观念。阅读其他个人理财课程。你可以研究那些白手起家的企业家。我们在这个频道上经常介绍他们。
I often share how mentorship changed my life. Without a mentor or model, I failed. With them, I succeeded. In fact, I spent five years struggling in my YouTube business until I found a mentor who had built companies before, and that's when everything exploded.
我经常分享导师制如何改变了我的生活。没有导师或榜样，我失败了。有了他们，我成功了。事实上，我在YouTube业务上苦苦挣扎了五年直到我找到了一位曾经创办过公司的导师，那时一切都爆发了。
Model success. If you can't sit down with a multi-millionaire in person, do it through books and videos. Make self-education your daily ritual. A well-known study found that 80% of millionaires read at least 50 books a year, many of them about business or self-improvement.
模仿成功。如果你不能亲自与千万富翁坐在一起，那就通过书籍和视频来做。让自学成为你的日常习惯。一项著名研究发现，80%的百万富翁每年至少读50本书，其中许多是关于商业或自我提升的。
They never stop learning because every new piece of wisdom is a tool that can make you money. So start thinking of knowledge as your currency. Kiyosaki built his fortune on ideas and strategies that he learned over decades.
他们从不停止学习，因为每一点新的智慧都是一种工具，能为你赚钱。所以，开始把知识当作你的货币。清崎的财富建立在他几十年间学到的理念和策略之上。
What you know will determine how far you go. And if you're truly committed, find a real mentor or community. Surround yourself with people who have done what you want to do. And remember, the best investments when you're broke is not stocks or crypto.
你所知道的东西将决定你能走多远。如果你真的下定决心，就去找一位真正的导师或加入一个社群。让自己身边围绕着那些已经做到你想做成的事的人。记住，最好的投资当你身无分文时，不是股票或加密货币。
It's in your own mind. So fill it with knowledge that can make you rich. Start small and seize opportunities. Use creativity, not cash. Don't have the money? Then you need to get creative and resourceful.
它就在你自己的头脑中。所以用能让你致富的知识来充实它。从小处着手，抓住机遇。发挥创意，而不是靠钱。没钱？那你就需要发挥创意，善用资源。
When Robbie Kyosaki had little, he didn't sit around waiting for a miracle check. He started where he was. His very first business idea came from noticing a simple problem at the beach.
当罗比·清崎还小的时候，他没有坐等奇迹支票。他从自己所在的地方开始。他的第一个商业想法来自注意到一个简单的问题在沙滩上。
He saw that surfers had no good place to keep their wallets while they were surfing. So, at age 30, he started a company to make nylon Velcro surfer wallets. The product took off. It even got featured in Playboy and Newsweek and made him a millionaire on paper by age 30.
他看到冲浪者在冲浪时没有合适的地方存放钱包。于是，在30岁时，他创办了一家公司，生产尼龙魔术贴冲浪者钱包。产品一炮而红。它甚至登上了《花花公子》和《新闻周刊》并让他在30岁时成为纸面上的百万富翁。
The business eventually failed, and we'll get to that later. But the lesson is priceless. He acted on an opportunity he saw with basically no money down. He didn't overthink it or wait until he had a trust fund.
这项生意最终失败了，我们稍后会谈到这一点。但这个教训是无价的。他抓住了他看到的机会基本上没花什么钱。他没有想太多，也没有等到自己有了信托基金才行动。
He identified a need and moved quickly. How many opportunities are you missing? Because you think, "I have no money, so I can't." The truth is, when you're starting from nothing, your hustle and your creativity are your capital.
他发现了需求，并迅速行动。你错过了多少机会？因为你认为，“我没有钱，所以我做不到。”事实是，当你从零开始时，你的拼搏和创造力就是你的资本。
So maybe you can't buy a rental property yet, but you can find someone who needs help selling their product and take a commission. Maybe you can't launch a factory, but you can start an online side hustle with just your phone.
所以也许你还买不起出租房产，但你可以找到一个人他需要帮忙销售产品然后从中抽取佣金。也许你无法开办一家工厂，但你可以只用一部手机开启一份线上副业。
The opportunities are there, but you have to train yourself to see them and grab them. Kiyosaki teaches that the faster you can make a decision, the more likely you'll seize opportunities before someone else does.
机会就在那里，但你必须训练自己去发现并抓住它们。清崎教导说，你做出决定的速度越快，你就越有可能抓住机会，赶在别人之前。
Successful entrepreneurs aren't necessarily the smartest or the richest starting out. They're the ones who take action while others sit on the sidelines. Even science agrees that being proactive matters.
成功的企业家不一定是最聪明的也不一定是起步时最富有的。他们是那些采取行动的人而其他人则袖手旁观。甚至科学也认同，积极主动很重要。
Research shows that people who actively pursue goals and opportunities tend to create more luck for themselves through their network and efforts. So challenge yourself to start right now with what you have.
研究表明，积极追求目标的人和机会的人往往会通过自己的网络和努力为自己创造更多好运。所以，挑战自己，从现在开始，用你所拥有的。
Ask, "What value can I create today with my current resources and skills?" Kiyosaki began with a simple product idea. Maybe your start is offering a service or freelancing or selling your items from your closet to get some initial cash, something to get in the game and use OPM, other people's money and other people's resources when possible.
问一问：“我今天能创造什么价值用我现有的资源和技能？”清崎是从一个简单的产品创意开始的。也许你的起点是提供服务或做自由职业或者出售你衣橱里的物品来获得一些初始资金，一些让你进入游戏并使用OPM的东西，别人的钱和别人的资源在可能的时候。
When Kiaki later moved into real estate investing, he often used loans and investor money to acquire new properties. He proved the concept. It doesn't take money to make money. It takes courage to move and a keen eye for value.
当Kiaki后来进入房地产投资时，他经常使用贷款和投资者的钱来收购新房产。他验证了这个概念。赚钱并不需要钱。它需要行动的勇气和发现价值的敏锐眼光。
So stop saying I can't afford it and start asking how can I afford it. That simple change in question opens your brain to solutions. The world is full of opportunities disguised as problems.
所以，不要再说我负担不起，而要开始问我怎样才能负担得起。那个简单的问题改变让你的大脑向解决方案敞开。这个世界充满了伪装成问题的机会。
So start small, start smart and start right now. Money follows momentum. You create that momentum by seizing opportunities, not by waiting for the perfect conditions. Persevere through failures.
所以从小处着手，聪明地开始，现在就行动。金钱追随势头。你通过抓住机遇来创造这种势头，而不是等待完美的条件。在失败中坚持不懈。
turned setbacks into motivation. Robert Kiosaki's journey was filled with failures. Remember those surfer wallets that made him a young millionaire at 30? That company went bankrupt shortly after because he hadn't secured his patents.
将挫折转化为动力。罗伯特·清崎的旅程充满了失败。还记得那些冲浪者钱包吗让他在30岁时成为年轻的百万富翁？那家公司不久后就破产了因为他没有为自己的专利做好保护。
He had to watch his early success crumble. Did he quit? No. He started a new business licensing rock band t-shirts and that company went bankrupt, too. He tried his hand at investments and ended up nearly a million dollars in debt in the 1980s.
他只能眼睁睁看着自己早期的成功化为乌有。他放弃了吗？不。他创办了一家新公司，做摇滚乐队T恤授权生意结果那家公司也破产了，也破产了。他尝试过投资结果在20世纪80年代欠下了近一百万美元的债务。
By the time he was sleeping in that car, he had failed multiple times in business. Most people would have thrown in the towel right there. But Kiaki didn't. He later said that being broke and desperate, taught him more than any fancy education could.
到他睡在那辆车里的时候，他在生意上已经失败过多次了。大多数人到这一步就会认输放弃。但Kiaki没有。他后来说，身无分文、走投无路，教会他的东西比任何精英教育都多。
He was learning from every failure. And this perseverance is a trait of virtually every self-made millionaire. In fact, studies show that grit, which is the ability to persevere towards long-term goals, is a better predictor of success than IQ or talent.
他从每次失败中学习。而这种毅力是一种特质几乎是每一位白手起家的百万富翁都具备的。事实上，研究表明，坚毅——即为实现长期目标而坚持不懈的能力——比智商或天赋更能预测成功。
Psychologist Angela Duckworth found that those who stick it out through setbacks outrank the quitters, even if they aren't as gifted on paper. And Kiyosaki embodies this grit. He once said, "Each push is life saying, wake up.
心理学家安杰拉·达克沃斯发现那些在挫折中坚持到底的人排名高于半途而废者，即使他们在纸面上没那么有天赋。而清崎正是这种毅力的化身。他曾说过，“每一次推动都是生活 saying，醒来。
There's something I want you to learn." Every time life knocked him down, he asked, "What's the lesson?" Instead of, "Why me?" That's the mindset you need when you face failure. And you will face failure.
有一件事我想让你学会。每当生活将他击倒，他都会问：“这一课是什么？”而不是“为什么是我？”面对失败时，你需要的就是这种心态。而你一定会面对失败。
Look at any successful entrepreneurs track record, and you'll usually find bankruptcies, broken deals, false starts. It said the average millionaire goes bankrupt 3.5 times in their life.
看看任何成功企业家的过往记录，你通常会发现破产、交易破裂、起步失败。据说百万富翁平均会破产3.5次在他们的一生中。
Think about that. The difference between those millionaires and everyone else is that they didn't stop on failure. Number one, they treated failure as a data point, not a dead end for them.
想想看。那些百万富翁和其他人的区别在于，他们不会因失败而止步。第一，他们把失败视为一个数据点，而不是他们的死胡同。
Kiyosaki is a prime example. He failed fast. He learned fast when his businesses collapsed. He analyzed what went wrong. Lack of patents, wrong partnerships, etc. And he adjusted. He didn't let those failures define him or steal his belief.
清崎就是一个典型的例子。他快速失败。当他的企业倒闭时，他学得很快。他分析了哪里出了问题。缺乏专利、错误的合作伙伴关系等等。他做出了调整。他没有让那些失败定义自己，也没有让它们偷走自己的信念。
and eventually his persistence paid off pretty spectacularly. He likes to say the size of your success is measured by the strength of your desire, the size of your dream, and how you handle disappointment along the way.
最终，他的坚持得到了回报而且相当惊人。他喜欢说，你成功的规模取决于你渴望的强度，你梦想的大小，以及你如何应对一路上的失望。
So ask yourself, how are you handling disappointment? Do you retreat or do you use it as motivation? When your project flops or your idea gets rejected, you have two choices. You give up or you do what Kiyosaki did and come back smarter.
所以问问自己，你是如何应对失望的？你是退缩，还是把它当作动力？当你的项目失败或你的想法被拒绝时，你有两个选择。你要么放弃，要么像清崎那样，变得更聪明后卷土重来。
Learn the lesson and try again. This is how you build the resilience muscle. And here's the beautiful thing. Every failure that you go through makes you a little less afraid for the next round.
吸取教训，再试一次。这就是你锻炼韧性肌肉的方式。而美妙之处在于。你经历的每一次失败都会让你对下一轮少一点恐惧。
You realize that failure won't kill you, but quitting will kill your dream. Kiaki failed forward. Each mistake brought him closer to the strategy that worked. You must do the same.
你意识到失败不会要你的命，但放弃会扼杀你的梦想。基阿基向前失败了。每个错误都让他更接近奏效的策略。你也必须这样做。
Embrace the setbacks as part of the process. Remember, people who avoid failure also avoid success. Make money work for you. Build assets and passive income. The ultimate key to how Kiyosaki built lasting wealth is this.
把挫折当作过程的一部分。记住，逃避失败的人也逃避成功。让钱为你工作。积累资产和被动收入。清崎建立持久财富的终极关键就是这个。
He stopped trading time for money and started making money work for him. When you're broke, you initially trade time for money to survive. You get a job, you grind. Kiyosaki did that as a young man in the Marines and later in sales.
他不再用时间换钱而是开始让钱为他工作。当你身无分文时，你最初是用时间来换取金钱以求生存。你找份工作，拼命干。清崎年轻时在海军陆战队就是这样做的，后来又在销售工作中也是如此。
But he realized that a job alone would never make him rich, which was his goal. It would just pay the bills. So, he shifted focus to building assets, things that generate income even when he isn't personally working.
但他意识到，仅靠一份工作永远无法让他致富，而这正是他的目标。它只能支付账单。于是，他将重心转向积累资产，那些能产生收入的东西即使他本人不工作时也是如此。
In the late 1980s, with very little capital, Robert and Kim began investing in real estate. They started small with one or two properties during a time when the market was down. And over the next few years, as the real estate market bmed, those properties appreciated and threw off rental income.
在20世纪80年代末，凭借极少的资金，罗伯特和金开始投资房地产。他们从一两处房产起步，当时市场正处于低迷期。在接下来的几年里，随着房地产市场繁荣，那些房产升值并带来了租金收入。
By 1989, the Kyosakis were officially millionaires from their real estate investments. How did they do it? They reinvested every spare dollar into buying more assets, more apartment units, more property instead of splurging on luxuries.
到1989年，京崎一家正式成为了百万富翁这得益于他们的房地产投资。他们是怎么做到的？他们把每一分闲钱都再投资于购买更多资产，更多公寓单元，更多房产，而不是挥霍在奢侈品上。
They lived cheaply. Remember, they even lived in a friend's basement for 9 months just to save money. so they could pour money into their investments. This is what Kiyosaki means by pay yourself first.
他们生活节俭。记住，他们甚至在朋友的地下室住了9个月只是为了省钱。这样他们就能把钱投入投资。这就是清崎所说的先支付自己。
Invest in assets before you pay everyone else. Here's a simple definition that he gives. An asset puts money in my pocket. A liability takes money out of my pocket. So, he doubled down on acquiring assets and cut out his liabilities.
在支付给其他所有人之前，先投资于资产。以下是他给出的一个简单定义。资产把钱放进我的口袋。负债把钱从我的口袋里拿走。于是，他加倍投入获取资产并削减了他的负债。
He didn't buy a fancy car or big house until those assets could pay for them on autopilot. By 1994, their passive income from assets was exceeding their living expenses, which meant financial freedom.
他没有买豪车或大房子直到那些资产能自动为他支付这些费用。到1994年，他们来自资产的被动收入已经超过了他们的生活开支，这意味着财务自由。
Kyosaki never had to work again if he didn't want to because his money was now doing the work for him. You need to aim for the same thing. It won't happen overnight, but you can start today, no matter how small.
清崎如果不想工作，就再也不必工作了因为他的钱现在正在为他工作。你需要瞄准同样的目标。这不会一夜之间实现，但你可以从今天开始，无论多么微小。
Start building your asset column. Now, maybe that means saving up a few thousand and buying a vending machine that generates $200 a month or investing in dividend stocks or creating a digital product that you can sell online.
开始建立你的资产栏。现在，也许这意味着存下几千块钱然后买一台每月能产生200美元收入的自动售货机或者投资分红股票或者创建一个数字产品可以在网上销售。
The idea is to create sources of income that aren't tied to your hours worked. Kiaki expanded beyond real estate, too. He created the Rich Dad brand, wrote books, and even a board game called Cash Flow.
核心理念是创造收入来源这些收入不与你投入的工作时间挂钩。Kiaki也拓展了房地产以外的领域。他创建了富爸爸品牌，写了书，甚至还有一款叫现金流板的桌游。
All of which became assets generating royalties and income streams. He even turned his books into high ticket seminar businesses to further multiply his income. The takeaway for you isn't to run out and start a seminar company.
所有这些都成为了产生版税和收入流的资产。他甚至把自己的书变成了高价研讨会业务以进一步倍增他的收入。对你的启示不是要你跑出去然后开一家研讨会公司。
It's to think about how you can monetize your knowledge and your skills in more scalable ways. So, could you start a YouTube channel or an online course in your expertise? Could you partner in a business where you own equity?
而是要思考如何将你的知识变现以及如何以更具可扩展性的方式运用你的技能。那么，你能不能开一个YouTube频道或者一个关于你专业领域的在线课程？你能在一个你拥有股权的企业中成为合伙人吗？
Always ask, is there something that can make money for me even when I'm sleeping? And if it's yes, that's an asset to build. If not, find a way to turn it into one. And remember Kiasaki's fundamental lesson from Rich Dad Poor Dad.
永远要问，有没有什么东西能为我赚钱，甚至在我睡觉的时候？如果答案是肯定的，那就是值得积累的资产。如果没有，就设法把它变成一项资产。并记住清崎的基本一课来自《富爸爸穷爸爸》。
The rich buy assets. The poor buy liabilities. Every time you get a dollar, you face a choice. Invest it into something that will bring more dollars in or spend it on something that won't.
富人购买资产。穷人购买负债。每当你得到一美元，你都会面临一个选择。把它投资到能带来更多美元的东西上或者把它花在不能带来更多美元的东西上。
Kiaki built wealth from nothing by consistently choosing to invest in his future rather than inflate his lifestyle prematurely right now. Do the same. Even if you're starting with $10, allocate part of it to your future wealth.
基阿基白手起家积累了财富靠的是始终选择投资于自己的未来，而不是过早地膨胀当前的生活方式。你也这样做吧。即使你只有10美元起步，也要分出一部分用于你未来的财富。
Put it in a stock index fund. Use it to launch a small side hustle. Anything that grows. And over time, these small seeds become a forest. This is how you escape the paycheck to paycheck trap.
把它投入股票指数基金。用它来开展一个小副业。任何能增值的东西。随着时间的推移，这些小小的种子会变成一片森林。这就是你摆脱月光族陷阱的方法。
The goal is passive income, exceeding your expenses. When you hit that, work then becomes optional. Kiaki hit it and never look back. It's not magic. It's a formula. Spend less than you earn and invest a difference consistently into assets.
目标是获得被动收入，并超过你的支出。当你达到那一步，工作就变成可有可无的了。Kiaki 做到了，然后头也不回。这不是魔法。这是一个公式。花的比赚的少并持续将差额投资于资产。
If you can master that discipline, even when you have very little, you'll gradually snowball your wealth. Money will start flowing to you from your investments, not just your labor.
如果你能掌握这种自律，即使你拥有的很少，你的财富也会逐渐滚雪球般增长。资金将开始从你的投资流向你，而不仅仅是你的劳动。
That's when you truly go from nothing to something big. As Kiyosaki puts it, once a dollar goes into your asset column, it becomes your employee. The best thing about money is that it works 24 hours a day and can work for generations.
那时你才真正从一无所有走向辉煌。正如清崎所说，一旦一美元进入你的资产栏，它就成了你的雇员。金钱最棒的一点是，它一天24小时都在运转而且能为你世代工作。
Start putting your money to work for you, no matter how small the amount. And one day, you'll wake up to a fortune that you created. Your turn from nothing to something. You've just followed the journey of a man who started with nothing and created a life of wealth.
开始让你的钱为你工作吧，无论金额多小。总有一天，你会醒来发现自己创造了巨额财富。轮到你从无到有。你刚刚追随了一个人的旅程他从一无所有开始，创造了财富人生。
And now it's about you. The difference between just watching this video and living the life of your dreams comes down to one word, action. You showed up today. You learned. And that already sets you apart from your friends.
现在轮到你了。仅仅是观看这个视频和过上你梦想中的生活之间的区别归结为一个词，行动。你今天来了。你学到了。这已经让你和你的朋友们有所不同了。
Now, keep that momentum going. Apply these lessons with conviction. Remember that every legendary success story, including yours, starts with a single step forward in faith. So, I want to acknowledge you for being here and doing the work that proves that you are the type of person who won't let excuses define your future.
现在，保持这个势头。坚定地运用这些经验教训。记住，每一个传奇般的成功故事，包括你的，都始于信念中向前迈出的一步。所以，我想感谢你来到这里，并做着那些证明你是那种不会让借口定义你未来的人的事。
Keep going. Keep believing. And congratulations. You're one video closer to who you're meant to be. Believe. to learn the rules that quietly create millionaires. Check the video right there next to me.
继续前进。继续相信。恭喜你。你又离理想的自己更近了一步。相信。去学习那些悄然造就百万富翁的规则。看看我旁边那个视频。
I think you'll love it. Continue to believe and I'll see you I think there's also a lot of opportunity that is unrealized because people aren't maybe as willing to take risks. Keep avoiding them and you'll keep getting average results no matter how hard you
我想你会喜欢的。继续相信，我们再见我认为还有很多尚未实现的机遇因为人们也许不那么愿意去冒险。一直逃避它们，你就会一直得到平庸的结果无论你多么努力
