Let me tell you something that will change your life if you let it sink in. The richest people in the world are 75% entrepreneurs, 15% investors, 7% inheritors of wealth, 3% athletes, entertainers, and artists, 0% employees who just earn a salary.
让我告诉你一些会改变你人生的事情如果你让它深入内心的话。世界上最富有的人中，75%是企业家，15%是投资者，7%是财富继承者，3%是运动员、演艺人员，以及艺术家，0%是只赚取薪水的员工。
So, if you want to know how to manage your money like the 1%, you have to understand what those first four categories have in common. So, let's think about it. Entrepreneurs own businesses.
所以，如果你想知道如何像那1%的人一样管理你的钱财，你必须了解前四个类别有什么共同点。那么，让我们想一想。企业家拥有企业。
Investors own assets. Rich kids own trusts. Finally, athletes, entertainers, and artists own rare skills. So, it's clear. If you don't own something, you are what's owned. That's the secret most people miss.
投资者拥有资产。富家子弟拥有信托基金。最后，运动员、艺人和艺术家拥有稀缺技能。所以，这很清楚。如果你不拥有某样东西，你就是被拥有的那一个。这就是大多数人忽略的秘密。
So, how can you start owning things like the 1%? Well, you need to follow the 25-15-50-10 rule. I designed this rule so that anyone, no matter what their income, can manage their money like the top 1% because the truth is it's not about how much money you make, it's about how you manage what you make.
那么，你如何才能像那1%的人一样开始拥有事物呢？那么，你需要遵循25-15-50-10规则。我设计这个规则是为了让任何人，无论他们的收入如何，都能像顶尖1%的人那样管理自己的钱因为事实是，关键不在于你赚多少钱，而在于你如何管理你所赚的钱。
I'm not just some YouTuber. I've actually used this rule for decades and it's enabled me to become a multimillionaire, even though I started out with no money and no qualifications.
我不仅仅是个YouTuber。实际上，我已经使用这条规则几十年了它让我成为了千万富翁，尽管我一开始既没有钱也没有资历。
So, let's get into it. The first 25% of your income should be going towards growth. This is the 25% that works for you. By growth, I don't mean some kind of mindset nonsense about growing as a person with the power of meditation.
那么，让我们开始吧。你收入的第一个25%应该用于成长。这是对你有效的25%。我说的增长，不是什么心态上的废话关于成长作为一个拥有冥想力量的人。
I mean using this money to buy things that increase in value. You see, when most people get their paycheck, they pay the bills and then blow the rest on useless things they don't even remember buying.
我是说用这笔钱去买会增值的东西。你看，大多数人拿到工资后，他们会先付账单，然后把剩下的钱挥霍在毫无用处的东西上，甚至都不记得买过什么。
This is exactly why 99% of people are trapped owning nothing of value. The truth is this is all by design. The system wants us rich for a week, then skint by the end of the month, waiting for the next payday, so we've got no breathing room and then we're forced to work even harder next month just to keep up.
这正是99%的人被困住的原因，什么有价值的东西都没有。事实是，这一切都是精心设计的。这个系统想让我们富一周，然后到月底就身无分文，等着下一个发薪日，所以我们没有喘息的空间，然后我们被迫在下个月更加拼命地工作，只是为了跟上。
This is effectively modern-day slavery. Just think about it. Slaves used to work every day with no pay, but they got free food, shelter, and water. Today, people work nearly every day and get paid.
这实际上就是现代版的奴隶制。你想想看。奴隶们过去每天工作却没有任何报酬，但他们能得到免费的食物、住所和水。如今，人们几乎每天工作并得到报酬。
However, their money is mostly spent on food, shelter, and water. The only thing that has changed is the illusion of freedom. Once you understand this, you can start fighting back by taking that first 25% of your income and putting it straight into assets.
然而，他们的钱大多花在食物、住所和水上。唯一改变的是自由的幻觉。一旦你明白了这一点，你就可以开始反击通过把你收入的第一个25%直接投入资产中。
This is anything that grows in value over time and puts money in your pocket. The idea is that while you're out working, these assets that you own are working for you in the background.
这是任何会随时间增值并为你带来收入的东西。这个理念是，当你外出工作时，你拥有的这些资产正在背后为你工作。
Eventually, these assets could even make you more money than your day job. You might think you don't have enough money to invest in assets. However, you need to find the money because the sooner you start, the better.
最终，这些资产甚至可能为你赚到更多钱超过你的日常工作收入。你可能会觉得自己没有足够的钱来投资资产。然而，你需要找到钱因为你越早开始，就越好。
Let me show you something that will blow your mind. This is Billy. He started investing $200 a month at 20 years old. And this is Phil. He didn't start until he was 30, but to catch up, he invested $300 a month.
让我给你看些会让你大开眼界的东西。这是比利。他在20岁时开始每月投资200美元。这是菲尔。他直到30岁才开始，但为了赶上，他每月投资300美元。
Now, let's fast forward it to when they reached 60 and they both stopped investing. Now, I'm going to give Phil a walking stick and I'm going to give Billy some glasses. Right, that's better.
现在，让我们快进到他们60岁的时候然后他们俩都停止了投资。现在，我要给菲尔一根拐杖我要给比利一副眼镜。好了，这样好多了。
Now, let's add up how much each one saved. Billy put in $200 per month for 40 years, so that's a total of $96,000. However, Phil put in $300 per month for 30 years, which is a total of $108,000.
现在，让我们来算算每个人存了多少钱。比利每月存入200美元，持续了40年，所以总共是96,000美元。然而，菲尔每月存入300美元，持续了30年，总共是108,000美元。
So, Phil ended up with more money, right? Because he saved more each month. Well, not exactly because they were investing instead of just saving. If we assume an average annual return of 10%, which is the average return of the S&P 500 over the last 100 years, then the numbers start to look a little bit different.
所以，菲尔最终得到了更多的钱，对吧？因为他每个月存得更多。嗯，不完全是因为他们在投资而不只是存钱。如果我们假设年平均回报率为10%，这是标普500指数的平均回报率在过去100年里，那么数字就开始看起来有点不同了。
Phil's investment would be worth $678,146. Not bad. Whereas, Billy's investment would be worth a staggering $1,264,816. How crazy is that? Billy invested $12,000 less, but ended up with nearly $600,000 more, all because he started earlier.
菲尔的投资将价值678,146美元。还不错。而比利的投资价值会达到惊人的1,264,816美元。这有多疯狂？比利少投资了12,000美元，但最终多赚了近600,000美元，只因为他开始得更早。
That's the power of compound growth. That's why you should start now, even if it's small, because waiting will cost you more than you think. But, how can you actually get started? Well, step one is to select your growth assets.
这就是复利增长的力量。这就是为什么你应该现在就开始，即使金额很小，因为等待的代价会比你想象的更大。但是，你究竟该如何真正开始呢？第一步是选择你的增长型资产。
There are loads of ways to grow your money, but not all of them carry the same risk or reward. So, I like to think of them as a scale from relatively safe and steady to high risk, high reward.
有很多方法可以让你的钱增值，但并不是所有方法都承担相同的风险或回报。所以，我喜欢把它们看作一个标尺，从相对安全和稳定到高风险、高回报。
At the lower risk end, we've got index funds. Honestly, this is where most people should start. You're not trying to pick winners, you're just buying a slice of the whole market, like the S&P 500 I mentioned before.
在风险较低的一端，我们有指数基金。说实话，这是大多数人应该起步的地方。你不是试图挑选赢家，你只是买入整个市场的一部分，就像我之前提到的标普500指数。
You don't need to check charts or time the market, you just let it sit there and grow quietly in the background. Then there's real estate. That could be rental property if you've got the money or REITs if you haven't.
你不需要查看图表或把握市场时机，只需让它静静地在后台增长。然后是房地产。如果你有钱，那可以是出租房产如果没有，也可以是REITs。
REITs lets you invest in real estate without buying a property. It's kind of like buying a small share in a building with a bunch of other people. In the middle is skills. Learning a skill that makes you money is hands-down the fastest return on investment you'll ever see.
REITs让你可以投资房地产而无需购买房产。这有点像购买一栋大楼的一小部分股份和一大群其他人一起。中间是技能。学习一项能让你赚钱的技能绝对是你能看到的最快获得回报的投资。
I'm talking about things like copywriting, editing, sales, coding, anything you can actually use to bring in income. Unlike stocks or property, no one can take it away from you. However, it does take more time to learn and that's why it's higher up the risk scale than the other two.
我说的是像文案写作、剪辑、销售、编程，任何你实际可以用来带来收入的东西。与股票或房产不同，没有人能把它从你身边夺走。然而，学习它确实需要更多时间这就是为什么它的风险等级比其他两个更高。
Further up, we've got online businesses, stuff like drop shipping and selling digital products. These can pay off big, but they take a lot of effort and you've got to be ready to fail a few times before you find your feet.
再往上，我们有在线业务，比如代发货和销售数字产品。这些可以带来巨大回报，但它们需要付出大量努力而且你必须准备好失败几次才能站稳脚跟。
Then we get to individual stocks. I know it's tempting to try and pick the next Tesla, but unless you've done your homework and you really know what you're doing, you're basically just guessing.
然后我们来看个股。我知道挑选下一只特斯拉很诱人，但除非你做了功课，并且你确实知道自己在做什么，否则你基本上只是在猜测。
So, if you're going to do it without learning the specifics, keep it small and treat it like a hobby, not your main strategy. And right up the top is alternative investments. I'm talking Bitcoin, Ethereum, NFTs, gold, wine, sneakers, you name it.
所以，如果你不学习具体细节就去做，保持小规模，把它当作爱好，而不是你的主要策略。最上面的是另类投资。我说的是比特币，以太坊、NFT、黄金、葡萄酒、运动鞋，应有尽有。
Can you make money with these? Absolutely. Can you lose it overnight? Also, absolutely. I've played around with some of these, but I never risk more than I'm willing to lose. These are your moon shots, fun to try, but not where you'd build long-term wealth.
你能靠这些赚钱吗？当然。你能一夜之间失去它吗？同样，当然。我尝试过其中一些，但我从不会承担超过我所能承受的损失。这些是你的高风险尝试，玩玩可以，但不是建立长期财富的地方。
So, if I were you, I'd start with the stuff that actually builds a foundation, which are index funds and high-income skills. Then, as you grow more confident, you can start dabbling with the rest.
所以，如果我是你，我会从真正能打下基础的东西开始，那就是指数基金和高收入技能。然后，当你变得更自信时，你就可以开始尝试其他的了。
you know what to invest in. Now, we've got to talk about how to invest because if you're doing it through the wrong kind of account, you could be handing over thousands in unnecessary tax without even realizing it.
你知道该投资什么。现在，我们必须谈谈如何投资因为如果你通过错误的账户类型来投资，你可能会白白缴纳数千美元的税款甚至都没有意识到。
That's why step two is to set up tax-advantaged accounts. Right, let me show you the smart way to legally save as much money as possible. Before we dive in, remember I'm not a financial advisor.
这就是为什么第二步是设立税收优惠账户。没错，让我向你展示合法节省尽可能多的钱的聪明方法。在开始之前，请记住我不是财务顾问。在开始之前，请记住我不是财务顾问。
I'm just sharing what I've personally done over the years. Okay, let's start with the UK. One of the best options is the stocks and shares ISA. You can invest up to £20,000 a year and anything you earn is tax-free.
我只是分享我多年来亲身实践过的事情。好的，我们先从英国开始。最佳选择之一是股票和股份ISA。你每年最多可以投资2万英镑而且你赚到的任何收益都是免税的。
You can set one up on platforms like Trading 212. All you have to do is select the stocks and shares ISA when you sign up. Since I was planning to talk about Trading 212 anyway, I reached out to see if they'd be interested in sponsoring this portion of the video.
你可以在Trading 212等平台上开设一个。你所要做的就是在注册时选择股票和股份ISA。既然我本来就打算谈一谈Trading 212，我联系了他们，看看他们是否有兴趣赞助视频的这一部分。
They agreed and are also giving away a free fractional share worth up to £100 to anyone that uses the code Tilbury when they create an account. You can also invite your friends and once they fund their accounts, you'll both get a free fractional share.
他们同意了，并且还会赠送一份价值最高100英镑的免费零碎股票，给任何使用优惠码Tilbury创建账户的人。你也可以邀请你的朋友一旦他们为账户注资，你们俩都会获得一份免费的零碎股份。
If you're working a 9-5, you've probably got access to a workplace pension. Usually, you'll put in 5% and your employer will match with 3%. That's basically free money. You don't pay any tax on the money it earns while it's growing, you only pay tax when you take it out later on.
如果你朝九晚五地上班，你很可能有机会参与职场养老金计划。通常，你会投入5%，而你的雇主会匹配3%。那基本上就是白送的钱。资金在增长期间所赚的钱你无需缴税，只有以后取出时才需要缴税。
If you're in the US, your setup's a little bit different. The Roth IRA is one of the best accounts you can open. You invest money you've already paid tax on, but every penny it earns grows completely tax-free and when you retire, you can take it out with zero tax.
如果你在美国，你的情况会稍有不同。罗斯个人退休账户是你能开设的最佳账户之一。你投入的是已经缴过税的钱，但它赚的每一分钱都完全免税增长，当你退休时，你可以零税率取出。
The limit on this account is $7,000 a year if you're under 50. Even billionaires use this account. Peter Thiel, one of the guys behind PayPal, reportedly turned his Roth IRA into over $5 billion.
如果你不到50岁，这个账户的限额是每年7000美元。甚至亿万富翁都用这个账户。彼得·蒂尔，PayPal的创始人之一，据称将他的罗斯个人退休账户变成了超过50亿美元。
He did this by investing in early-stage, high-growth companies including PayPal and Facebook, which then increased in value significantly. Then there's the 401k, which is basically the US version of a pension.
他通过投资早期、高增长的公司，包括PayPal和Facebook，这些公司随后价值大幅增长。然后是401k，基本上就是美国版的养老金。
The money you put in comes out of your paycheck before tax. It also grows over time without being taxed while it's invested and if your employer offers a match, definitely take it.
你投入的钱是从税前工资中扣除的。它还会随着时间的推移增长而无需缴税，在投资期间如果你的雇主提供匹配缴款，一定要接受。
Now, I know a lot of you aren't in the UK or USA, so here's a list of all the tax-advantaged accounts I could find. Hopefully, you can find an account in this list that lets you take advantage of the tax savings your country offers you.
现在，我知道你们很多人不在英国或美国，所以这里列出所有税收优惠账户我能找到的。希望你能在这个列表中找到一种账户，让你能够利用你所在国家提供的税收节省。
The problem is lots of people open up these accounts, put their money in every month, and don't actually invest in anything. That brings us on to step three, actually start investing.
问题是很多人开设了这些账户，每个月把钱存进去，却没有真正投资任何东西。这就把我们带到了第三步，实际开始投资。
All right, so now you've picked your growth assets and you've set up your account. Whether you're on Trading 212, Vanguard, or something else, it's time to actually put your money to work.
好了，现在你已经选好了你的增长型资产并且你已经设置好了你的账户。无论你使用的是Trading 212，Vanguard，还是其他平台，是时候真正让你的钱发挥作用了。
The best thing you can do is set up a monthly transfer that goes straight from your bank account into your investment platform, ideally on payday. That way, you never even see the money sitting in your account and get tempted to spend it.
你能做的最好的事情就是设置每月自动转账直接从你的银行账户转入你的投资平台，最好在发薪日进行。这样，你甚至不会看到钱留在账户里而忍不住想花掉它。
Once it lands, you don't need to mess about with charts or try to time the market. Just look for some index funds. One of the most popular methods is to build a free fund portfolio.
一旦资金到账，你不需要纠结于图表或试图把握市场时机。只需寻找一些指数基金。最受欢迎的方法之一是构建一个免费的基金投资组合。
The first fund is normally a US stock index fund, which basically invests in lots of US-based companies like Apple and Amazon, for example. The second fund is an international stock index fund, which is similar to the US-based one, but instead it covers companies outside the US.
第一只基金通常是美国股票指数基金，它基本上投资于许多美国公司比如苹果和亚马逊，举个例子。第二只基金是国际股票指数基金，它与美国的那只类似，但它涵盖的是美国以外的公司。
And the final fund is something called a bond fund, which helps provide stability as they're generally less volatile than stocks and can help smooth out the ups and downs of the market.
最后一只基金叫做债券基金，它有助于提供稳定性，因为债券通常比股票波动更小，并且能帮助平滑市场的起伏。
Let me show you how to set something like this up on Trading 212. If you haven't already signed up, then I'll leave a link in the description. If you've already signed up within the last 10 days, you can head over to the promo code section of Trading 212 and enter the code Tilbury to get a free fractional share worth up to £100.
让我来演示如何在Trading 212上设置这样的投资组合。如果你还没有注册，我会在描述中留下链接。如果你在过去10天内已经注册，你可以前往Trading 212的促销代码部分并输入代码Tilbury即可获得价值高达100英镑的免费零碎股。
This is a nice boost to get you started with investing. Then go over to pies and then click the plus icon. Now you can select whatever stocks you want to include in your pie. For our US stock market fund, let's search for the S&P 500.
这是一个很好的助推，助你开启投资之旅。然后转到投资组合，再点击加号图标。现在你可以选择任何想要的股票加入到你的投资组合中。对于我们的美国股市基金，让我们搜索标普500。
This Vanguard one should do nicely. If you're based in the US, then you can also pick the Vanguard Total Stock Market Index Fund, known as the VT Sax. This fund is like owning a tiny piece of 500 of the biggest, most famous companies in America, like Apple, Amazon, and Coca-Cola.
这只先锋基金应该很合适。如果你在美国，那么你也可以选择先锋整体股市指数基金，也就是VT Sax。这只基金就像持有美国500家最大、最著名公司的一小部分股份，比如苹果、亚马逊，还有可口可乐。
By the way, look out for the terms accumulation or distribution in the brackets. Personally, I always go with accumulation as it reinvests your dividends back into the stock automatically.
顺便说一句，注意括号里的累积或分配这两个术语。就我个人而言，我总是选择累积型，因为它会自动把你的股息再投资回股票中。
Then let's go and search for our next one, which is our international fund. For this, let's select iShares MSCI World UCITS ETF with the ticker IWDA and tap add to pie. This fund is like having a collection of companies from all around the world.
接下来我们去找下一个，也就是我们的国际基金。为此，让我们选择iShares MSCI World UCITS ETF其代码为IWDA，然后点击添加到派。这只基金就像拥有一个公司集合来自世界各地。
It includes big businesses in places like Europe, Japan, and Canada. Now for our bond fund, let's search for iShares USD Treasury Bond 7-10 Year UCITS ETF with the ticker IBTM and tap add to pie.
它包括欧洲等地的大型企业，日本和加拿大。现在来看我们的债券基金，让我们搜索iShares美元国债7-10年UCITS ETF代码为IBTM然后点击添加到投资组合。
This fund is like lending money to the US government. They promise to pay you back with a little extra, which helps you keep your money safe and steady even if stocks go up and down.
这只基金就像借钱给美国政府。他们承诺还给你时多付一点，这有助于让你的资金安全稳定即使股票涨跌不定。
Right, now those are added, we can click the arrow to go to the next step. On this page, you can adjust the percentage allocation of your money to each fund. If you go with an aggressive approach, this involves investing more in stocks, which can grow faster, but can also go up and down a lot.
好的，现在这些已经添加了，我们可以点击箭头进入下一步。在这个页面上，你可以调整资金分配到每只基金的百分比。如果你选择激进的方式，这涉及更多地投资于股票，股票可能增长更快，但也可能大幅波动。
For example, you might choose an investment mix where 90% of your money is in stocks and only 10% is in bonds. This setup has the potential for big returns, but also comes with sharp ups and downs in the short term.
例如，你可能会选择一种投资组合其中90%的资金投入股票只有10%投入债券。这种配置有可能带来高回报，但短期内也会伴随剧烈的起伏。
If you prefer slightly less risk, but still want a chance for higher returns, then a slightly less aggressive approach might suit you better with around 80% in stocks and 20% in bonds.
如果你偏好稍微低一些的风险，但仍希望有机会获得较高回报，那么一种稍微不那么激进的策略可能更适合你大约80%投入股票，20%投入债券。
Don't get put off by the terms aggressive. It's all down to your age. As a general rule of thumb, the older you are, the more bonds you should have. So let's make the S&P 500 60%, the iShares World Fund 30%, and the bond fund 10%, and click next and then auto invest.
不要被“激进”这个词吓到。这完全取决于你的年龄。一般来说，你年龄越大，你应该持有的债券就越多。那么我们把标普500指数基金设为60%，iShares世界基金30%，债券基金10%，然后点击下一步，再点击自动投资。
This value projection is really awesome as it shows you how much money you could make based on historical averages. Of course, when you invest, you can get back less than you invested as investments can rise and fall, but it's still a great way to get an idea of how much you could make based on data-backed projections.
这个价值预测真的很棒，因为它能向你展示基于历史平均数据，你可能会赚到多少钱。当然，当你投资时，你收回的金额可能少于你投入的金额因为投资有涨有跌，但这仍是一个很好的方式，可以让你了解基于数据支持的预测，你可能赚到多少钱。
Once your investing is automated, your job is simple. Stop fiddling and go and make more money because the truth is, the people who build wealth aren't the ones picking the fanciest stocks.
一旦你的投资实现自动化，你的任务就很简单了。别再瞎折腾了，去赚更多的钱吧，因为事实是，积累财富的人并不是那些挑选最花哨股票的人。
They're the ones consistently putting in more over time. That means your focus should now be on increasing your income so you can increase your investments. This is where the skill building I talked about in step one really starts to come into play.
他们是那些持续投入更多的人。这意味着你现在应该专注于增加你的收入这样你就能增加你的投资。这就是我在第一步中谈到的技能培养真正开始发挥作用的地方。
If you haven't yet learned something valuable, do it as a side hustle, bring in more cash, then feed it straight back into your investments. The next 15% of your income should be going towards stability.
如果你还没有学到有价值的东西，就把它当作副业来做，带来更多现金，然后直接把它投回你的投资中。你收入的接下来15%应该用于稳定。
This is the 15% that keeps you in the game. A lot of people don't realize that not all your money should be thrown into growth investments or spent. Some of it needs to be set aside to protect your progress.
这15%能让你留在游戏中。很多人没有意识到你不应该把所有的钱都投入成长型投资或花掉。其中一部分需要留存下来，以保护你的成果。
I wish someone had told me that when I was younger because I had to learn it the hard way. I didn't grow up around money, so when I turned 18 and needed a car to get to work, I didn't have any savings set aside.
我真希望年轻时有人告诉过我这一点，因为我不得不经历惨痛的教训才明白。我不是在有钱的环境中长大的，所以当我18岁需要一辆车去上班时，我没有任何积蓄。
So I did what most people do. I took out a loan and bought myself a solid little German whip, a VW Golf. I even got a new stereo with the extra cash the bank gave me. And for about 3 months, I felt like I was on top of the world.
于是我做了大多数人都会做的事。我贷款给自己买了一辆结实的小型德国车，一辆大众高尔夫。我甚至用银行给我的额外现金买了一套新音响。大约有3个月，我感觉自己站在世界之巅。
Then out of nowhere, the engine blew up. I had no backup, no safety net, and no clue what to do. And on top of all this, if I didn't get the car fixed, I'd lose my job. So I borrowed even more, which piled on more debt, more pressure, and more stress.
然后不知从哪儿冒出来，引擎突然爆炸了。我没有后援，没有保障，也不知道该做什么。而且雪上加霜的是，如果我不把车修好，我就会丢掉工作。所以我借了更多钱，这堆积了更多债务，更多压力，以及更多焦虑。
To me, that car didn't just break down, it broke my finances and it set me back a whole year. If I just had 15% tucked away for stability, I'd have been in a completely different position.
对我来说，那辆车不只是抛锚了，它还摧毁了我的财务状况，让我倒退了一整年。要是我当时存下15%作为稳定储备，我的处境就会完全不同。
Most people don't have a money problem, they have a stability problem. One unexpected bill and it all falls apart. Even if you are investing, you'd be forced to sell your investments at a bad time, which may lead to a loss.
大多数人没有金钱问题，他们有的是稳定问题。一张意外的账单，一切就都崩溃了。即使你在投资，你也会被迫在不利的时机卖掉投资，这可能会导致亏损。
That's why you need a margin for ror built into your life. Let's get into how you do it. Step one is to calculate your stability fund. To do this, you first need to list out your core expenses.
这就是为什么你需要在生活中内置冗余空间。让我们来看看你是怎么做的。第一步是计算你的稳定基金。为此，你首先需要列出你的核心开支。
These are things like your groceries, rent, utilities, transportation, and any essential services like your internet connection, which you might need for work, not for Netflix. All of those things combined should give you a total.
这些是你的杂货，房租、水电费、交通费，以及任何必要的服务，比如你的网络连接，你可能工作需要用到，而不是为了看Netflix。所有这些加起来应该给你一个总数。
That number is called your monthly baseline. Let's say that adds up to 1,500 per month. Now take that number and multiply it by 5 months. This will equal the ideal stability fund that you should be aiming to save.
这个数字被称为你的每月基线。假设每月总计1,500。现在将这个数字乘以5个月。这将等于理想的稳定基金你应该努力储蓄的金额。
So in this example, that should be $7,500. So each month when you get your paycheck, 15% of your wages should be going towards building up this figure. You might be thinking this is quite extreme, and I admit it is on the more cautious side.
所以在这个例子中，应该是7500美元。所以每个月当你拿到工资时，你工资的15%应该用于积累这个数字。你可能会觉得这相当极端，我承认这确实偏向保守。
However, I know from experience that when life hits, it usually comes all at once without warning. So if you only have a couple of months saved up, then you won't be as bulletproof.
然而，根据我的经验，当生活打击来临时，它通常毫无预警地同时涌来。所以如果你只存了几个月的钱，那你就不会那么坚不可摧。
Step two is to store it correctly. Now that you've worked out your stability fund, don't make the mistake of parking it in the wrong place because where you store this money is just as important as having it in the first place.
第二步是正确储存它。既然你已经规划好了你的应急基金，就不要犯把它放错地方的错误，因为你把这笔钱存在哪里，和一开始拥有它同样重要。
And for that reason, I've got three rules I always stick to. Firstly, it must be easy to access. This money should be available within 24 hours max, so don't lock it up in some account that penalizes you for withdrawing early or won't let you touch it for 5 years in return for a bit more interest.
因此，我始终遵守三条规则。首先，它必须容易取用。这笔钱最多应在24小时内可用，所以不要把它锁起来，存在某些会因提前取款而惩罚你的账户里，或者五年内都不让你碰，以换取多一点利息。
I've seen people lose their jobs not be able to access their stability fund. That defeats the whole point. When things go wrong, you need speed, not some nonsense waiting period. Secondly, it must be zero risk.
我见过有人失业后无法动用他们的稳定基金。那就完全失去了意义。当事情出错时，你需要速度，而不是无聊的等待期。其次，它必须是零风险。
This is not money you invest, gamble, or chase returns with. Whatever you do, and I mean whatever you do, do not put your emergency fund into the stock market, not even the safe stuff because when an emergency hits, the market might be down.
这不是你用来投资、赌博或追逐回报的钱。无论你做什么，我说的是无论你做什么，都不要把你的应急基金投入股市，即使是安全的投资也不行，因为当紧急情况发生时，市场可能正在下跌。
The same goes for crypto, long-term bonds, or anything else that's meant to grow over years. Thirdly, it must always earn. Although this isn't your growth pot, that doesn't mean it should sit in a dead end account doing nothing.
加密货币也是如此，长期债券，或任何其他旨在多年增长的投资。第三，它必须始终能赚取收益。虽然这不是你的成长罐，但这并不意味着它应该闲置在一个死胡同账户里无所事事。
You want it somewhere that earns a bit while it waits without any risk. This is because if you leave it somewhere with zero interest, then it will be eaten away by inflation as money gets less valuable over time.
你想让它在一个能赚点钱的地方同时毫无风险地等待。这是因为如果你把它放在零利息的地方，那么它就会被通货膨胀侵蚀因为货币会随着时间推移而贬值。
That's where high-yield savings accounts come in. As I filmed in this video, you can get savings accounts with 4 to 5% interest rates and with no penalties if you need to dip into it.
这就是高收益储蓄账户的用武之地。正如我在这段视频中拍摄的，你可以获得利率为4%到5%的储蓄账户而且如果你需要动用这笔钱，也不会有任何罚款。
I'll leave some banks in the description. I'd recommend checking out SoFi, Ally, and Marcus by Goldman Sachs as they're offering decent rates and they're FDIC insured, so your money's safe.
我会在描述中留下一些银行。我建议你看看SoFi，Ally，以及高盛旗下的Marcus因为它们提供不错的利率而且它们都有FDIC保险，所以你的钱是安全的。
Step three is to stack it quickly. Most people think it takes years to scrape together a decent stability fund, but if you play it smart, it doesn't need to take anywhere near that long.
第三步是快速积累。大多数人认为需要数年时间才能攒出一笔像样的稳定基金，但如果你聪明地操作，根本不需要那么长时间。
When I was building up my savings, I used three tactics that stacked on top of each other. Using them all together helped me really accelerate how fast I could save. Tactic one is called the paycheck sweep.
当我积累储蓄时，我用了三个相互叠加的策略。把它们全都结合起来帮助我真正加速了我存钱的速度。第一个策略叫做工资清扫。
This is when you take 15% of your income the second it lands and move it straight into your emergency fund. You can automate this with a direct debit or scheduled transfer, so it's completely hands-off, just like we did with the 25% that goes towards growth.
这是指当你的收入一到账，就取出其中的15%并直接转入你的应急基金。你可以通过直接借记来自动完成或设置定期转账，这样就能完全无需手动操作，就像我们对用于增长的25%所做的那样。
Tactic two is the replacement promise. This is a promise you make to yourself that if you dip into your stability fund, you immediately replace it. Let's say you knock off your wing mirror and it cost $250 to fix.
第二个策略是替代承诺。这是你对自己做出的承诺如果你动用了你的稳定基金，你要立即补回。假设你撞坏了后视镜，修理花了250美元。
That's fine. That's what the fund is for, but the next time you get paid, you top that $250 straight back up like it was never gone. Tactic three is the save by spending hack. This one might sound a little bit crazy, but you can do it by using round up apps.
这没关系。这就是这笔基金的用途，但下次你拿到工资时，你要把那250美元直接补回去，就像它从未被动用过一样。策略三就是通过消费来储蓄的妙招。这个听起来可能有点疯狂，但你可以通过使用凑整应用来实现。
These round every purchase up to the nearest dollar and drop the difference into your savings. So, if you spend $3.60, it rounds up to $4 and puts that 40 cents away. It sounds small, but it adds up fast and you won't even notice it.
这些会将每笔消费向上取整到最接近的整数美元并将差额存入你的储蓄账户。所以，如果你花了3.60美元，它会向上取整为4美元，并把那40美分存起来。听起来很少，但它会迅速累积起来，而你甚至不会注意到。
The other way to do this is with cash back. So, if you're using a cash back credit card and paying it off in full every month, then take those rewards and put them straight into your stability fund.
另一种方法是利用返现。所以，如果你使用的是返现信用卡并且每月都全额还清账单，那就把这些奖励直接存入你的稳定基金。
Once your stability fund is fully stocked, you've got two options. You can over roll that money into growth or you can shift it into the final 10%, which we'll talk about later. The next 50% of your income should be going towards your essentials.
一旦你的稳定基金储备充足，你就有两个选择。你可以把那笔钱超额滚存到增长中或者你可以把它转移到最后的10%，我们稍后会讨论这个。你收入的接下来50%应该用于你的必需品。
This is the 50% that feeds you, not your ego. Surprisingly, over 60% of Americans earning over $100,000 a year still live paycheck to paycheck, as most are too caught up in trying to look rich instead of actually becoming rich.
这50%是用来养活你的，而不是满足你的虚荣心。令人惊讶的是，超过60%的美国人年收入超过10万美元仍然过着月光族的生活，因为大多数人太忙于试图显得富有而不是真正变得富有。
This shows that you can be on a great salary and still feel broke every month, because it's not about how much you earn, it's about how much you waste. Let me show you what I mean.
这表明你即使薪水很高仍然每个月都感觉手头拮据，因为关键不在于你赚多少钱，而在于你浪费多少钱。让我来告诉你我的意思。
This was me age 20 and that's my mate. On the surface, he looked like he had everything. Designer shirt, expensive watch, was always out spending. I was the opposite. Baggy top, cheap watch, just the basics.
这是我20岁的时候，那是我的朋友。表面上，他看起来拥有一切。名牌衬衫，昂贵手表，总是在外面花钱。我则相反。宽松上衣、廉价手表，只求基本款。
Sure, my fashion sense could have been better. I could have at least picked up some inexpensive smart clothes, but I was young, so cut me a piece of slack. But here's what people didn't see.
当然，我的时尚品味本可以更好些。我至少可以买几件便宜又时髦的衣服，但我当时还年轻，所以请对我宽容一点。但这是人们没有看到的事情。
He had $43.20 in his account and a few credit card payments overdue, whereas I had $1,000 plus quietly sitting in investments and a decent stability fund. I'd learned from my experience with my car loan disaster and I'd worked extremely hard to build my money back up, which meant cutting out any unnecessary spending and looking like this.
他的账户里有43.20美元还有几笔信用卡还款逾期了，而我则悄悄地在投资中存有1000多美元还有一笔不错的稳定基金。我从汽车贷款灾难的经历中学到了教训我拼命努力把钱重新攒起来，这意味着砍掉一切不必要的开支然后就变成了这副模样。
Although this might not seem like a lot, remember money was worth a lot more back then. This $1,000 was a start and that's the part most people miss. Wealth isn't what you see, it's what you don't see.
虽然这看起来可能不算多，但别忘了当年的钱值钱得多。这1000美元只是个开始，而这正是大多数人忽略的地方。财富不是你看到的，而是你看不到的。
I get it though. It's easy to justify the upgrades by saying things like, "I need a safer car. This new house is closer to work and I deserve a nice meal out." But that's exactly how lifestyle creep starts.
不过我能理解。人们很容易用这样的话来为升级找理由，“我需要一辆更安全的车。这栋新房子离公司更近，而我值得出去吃顿好的。”但这正是生活方式膨胀的开始。
So, how can you keep this under control? Well, step one is to get clear on your essentials. A lot of people aren't going to like this one, because what many people consider essentials nowadays are actually just luxuries.
那么，你该如何控制这种情况呢？第一步，就是明确你的必需品。很多人不会喜欢这一条，因为如今许多人眼中的必需品其实只是奢侈品。
Essentials are the things that keep you alive and functioning. That means your rent or mortgage, groceries, utilities, transport, insurance and clothes. Not the latest designer drops, just what you absolutely need.
必需品是那些维持你生存和正常运转的东西。也就是说你的房租或房贷、食品杂货、水电费、交通费、保险费和衣服。不是最新设计师款式，只是你绝对需要的东西。
Now, let's talk about what doesn't count. Takeout isn't essential. Neither is the Amazon subscription you forgot about, the gym you haven't visited since January or the stack of streaming services you keep meaning to cancel and the list goes on.
现在，我们来谈谈什么不算数。外卖不是必需品。也不是你忘记了的亚马逊订阅，不是你从一月份就没去过的健身房，也不是那一堆流媒体服务，你一直想取消的，这样的例子不胜枚举。
If you're using a gym, that's a different story, but so many people sign up for stuff they never use. That's why one of the easiest things you can do to free up money is to go through your bank statements and cancel anything you're not using.
如果你在使用健身房，那就是另一回事了，但很多人报名参加的东西他们从来不用。所以，腾出资金最简单的方法之一就是查看你的银行对账单并取消任何你没在用的东西。
Just think to yourself, if it's not helping you live, work or stay healthy, it probably doesn't belong in your 50%. So, why do I recommend capping it at 50%? Well, because the average person is already spending 60 to 70% of their income on what they think are essentials.
只要问问自己，如果它不能帮你生活、工作或保持健康，它可能就不该属于你那50%。那么，我为什么建议把它限制在50%？因为普通人已经把他们收入的60%到70%花在他们认为的必需品上。
So, by locking in your lifestyle at 50%, it forces you to actually eliminate what you don't need. It also changes your mindset from wanting to spend more of what you earn to wanting to earn more and increase your income, which is always something you should be doing.
所以，通过将你的生活方式锁定在50%，这会迫使你真正剔除掉你不需要的东西。这也会改变你的心态从想要花掉更多你赚的钱转变为想要赚更多并增加你的收入，而这始终是你应该做的事情。
Step two is to shrink the two key categories. So many people talk about cutting out the little expenses like Starbucks coffee. Honestly, I'm guilty of saying this myself. However, if you want to make the biggest impact, then you first need to focus on the two key categories.
第二步是缩减两个关键类别。很多人都在说要砍掉那些小开销比如星巴克咖啡。老实说，我自己也说过这样的话。然而，如果你想产生最大的影响，那么你首先需要关注两个关键类别。
Let's start with housing. For most people, this is the biggest expense, but it doesn't have to grow with your income. Always renegotiate your rent when the lease is up. Most landlords would rather keep a tenant than go through the hassle of listing, cleaning and showing the place again.
让我们从住房开始。对大多数人来说，这是最大的开支，但它不一定要随着你的收入增长。租约到期时，一定要重新协商租金。大多数房东宁愿留住现有租客，也不愿经历重新挂牌出租的麻烦，再次打扫和带人看房。
Even a small reduction or freeze can save you thousands. If you want to go further, think about house hacking. That could mean renting out a spare room, splitting a place with mates or even moving back with your parents while you build your buffer.
即使只是小幅降租或维持原价，也能为你省下数千元。如果你想更进一步，可以考虑房屋黑客。这可能意味着出租一间空余的房间，和朋友合租一个地方，甚至搬回去和父母同住，同时你积累自己的缓冲资金。
If you can manage to limit housing to half of your essentials fund, then that's a pretty good place to be. Now, let's talk about transport. Car payments are one of the biggest wealth killers.
如果你能设法将住房开销限制在基本开支基金的一半，那么这就算是一个相当不错的状态了。现在，让我们来谈谈交通。车贷是最大的财富杀手之一。
People lease brand new cars for the monthly status hit and end up paying for years on a depreciating liability. That's why I always recommend buying used, reliable cars that have seen the majority of their depreciation, at least until your income can support a nicer car.
人们为了每月的身份象征而租赁全新的汽车，最终却要为一项不断贬值的负债支付多年。这就是为什么我总是推荐购买二手车，可靠的汽车这些车已经经历了大部分折旧，至少在你的收入能够支撑一辆更好的车之前。
By that, I don't mean if you can just about afford it, it should be under half of your essentials fund. In walkable or city areas, you could even consider getting rid of the car entirely, as it can free up hundreds of dollars per month.
我这么说，并不是指你勉强能负担得起，它应该低于你应急资金的一半。在适合步行或城市区域，你甚至可以考虑完全放弃汽车，因为这样每月可以省下数百美元。
Because it's not just the car payments you save, but also the insurance, maintenance and parking charges. All added up, this can be a big saving. Once you've got those two areas under control, that brings me on to step three.
因为这不仅仅是省下了车贷，还有保险费，保养费和停车费。全部加起来，这能省下一大笔钱。一旦你控制住了这两个方面，这就把我带到了第三步。
Use rules, not willpower. When you're tired, stressed or even just bored, your willpower disappears and that's exactly why the top 1% don't rely on it. Instead, they build systems that make the right choices automatically.
用规则，而不是意志力。当你疲惫时，有压力，甚至只是无聊时，你的意志力就会消失这正是为什么顶尖的1%不依赖它。相反，他们建立系统，让正确的选择自动发生。
When I was building my wealth, I had a simple system that kept me on track. Every time I was tempted to buy something and wasn't sure if it was essential, I'd run it through a few key questions.
在我积累财富的时候，我有一个简单的系统让我保持正轨。每当我被诱惑想买东西时，又不确定它是否必需，我会用几个关键问题来审视它。
These questions stopped me from buying things I didn't need and helped me stay focused on the bigger goal. So, firstly, ask yourself, is this an impulse purchase? If the answer is no, then buy it.
这些问题阻止了我买不需要的东西，并帮助我专注于更大的目标。所以，首先，问问自己，这是冲动消费吗？如果答案是否定的，那就买吧。
It's likely something you've been thinking about for a while and if it fits into the essential categories we discussed earlier, then it's a no-brainer. However, if the answer is yes, then it's time to use the 7-day rule.
这很可能是你考虑了一段时间的东西如果它符合我们之前讨论的基本类别，那就毫无疑问了。然而，如果答案是肯定的，那么就该使用7天规则了。
The trick behind this is pausing for 7 days before you buy anything. Then after those 7 days are up, ask yourself again if you still want it. Most of the time, the answer will be no.
这背后的诀窍是在购买任何东西之前暂停7天。然后等这7天结束后，再问自己一次，你是否还想要它。大多数时候，答案都会是不。
That's the funny thing about waiting 7 days. You often forget all about it, as the excitement has faded and it wasn't that important to begin with. But if after 7 days, you still want it, it's time for the next question.
等上7天有趣的地方就在于此。你常常会完全忘记这件事，因为兴奋感已经消退而且它本来就没那么重要。但如果在7天后，你仍然想要它，就该问下一个问题了。
Are you buying for the brand or the value? If the answer is the brand, then don't buy it. You're likely being drawn in by great marketing. If it's an essential, then there will be an unbranded alternative that will do the job just as well, if not better.
你买的是品牌还是价值？如果答案是品牌，那就别买。你很可能是被出色的营销手段吸引了。如果是必需品，那就会有非品牌的替代品同样能胜任，甚至可能更好。
This is where most people mess up. Wealthy people don't throw money at brands because they like the marketing. They really think about the value. So, what does value really mean? Well, if you buy a $60 pair of boots and wear them 100 times, that's 60 cents per wear, good value.
大多数人就是在这里出错的。富人不把钱花在品牌上因为他们喜欢营销。他们真正考虑的是价值。那么，价值到底意味着什么？嗯，如果你花60美元买一双靴子，穿100次，那就是每次60美分，很划算。
But if you buy a $200 pair of designer trainers and wear them twice, that's $100 per wear and going too cheap isn't smart either. I mean, a $5 shirt that falls apart in the wash is still a waste of money.
但如果你花200美元买一双设计师运动鞋只穿两次，那就是每次100美元，而且买太便宜的也不明智。我是说，一件5美元的衬衫一洗就烂也仍然是浪费钱。
So, don't chase brands, chase quality. So, if you answered value, that brings us on to the final question. Will this improve your life? If the answer is yes, a conscious, intentional purchase, go ead.
所以，不要追逐品牌，要追求品质。所以，如果你回答的是价值，那就引出了最后一个问题。这会改善你的生活吗？如果答案是肯定的，是有意识、有意的购买，那就去买吧。
But if the answer's no, it's probably just about impressing someone, killing boredom or chasing a dopamine hit. It's not worth your money. Once you go through this process a couple of times, you'll be able to decide if something's worth buying or not without even consciously thinking about the questions.
但如果答案是否定的，那可能只是为了给别人留下印象，打发无聊或追求多巴胺的快感。这不值得你花钱。一旦你经历这个过程几次，你就能判断某样东西是否值得购买甚至无需有意识地思考这些问题。
They just get your mind working in the right way. Remember, it isn't about being tight, it's about being intentional. The last 10% of your income should go towards rewards. This is the 10% that keeps you sane.
它们只是让你的思维朝着正确的方向运转。记住，这并不是要抠门，而是要有意识地消费。你收入的最后10%应该用于奖励。这10%让你保持理智。
Let's be honest, money isn't just about growth, stability and essentials. You're allowed to enjoy it, too. Most people skip this entirely and then wonder why saving feels so pointless.
说实话，金钱不仅仅是关于增长，稳定和必需品。你也可以享受它。大多数人完全跳过这一步，然后疑惑为什么存钱感觉毫无意义。
As I've gotten older, I've realized it's the little things that refuel you and remind you why you're doing all this boring money discipline stuff in the first place. This is backed up by the facts.
随着年龄增长，我意识到正是那些小事让你重新充电并提醒你为什么要做这些枯燥的金钱自律之事一开始就是如此。这有事实为证。
92% of people say they overspend after intensive saving sprints, because saving without joy starts to feel like a punishment very quickly and that's exactly why this 10% exists. Not as an excuse, it's a strategy.
92%的人表示他们会超支在密集的储蓄冲刺之后，因为毫无乐趣的储蓄很快就会让人感觉像是一种惩罚而这正是这10%存在的原因。这不是借口，而是一种策略。
Kind of like having a cheat meal. It's a thing that makes your whole financial diet comfortable and most importantly, sustainable. But to maximize its impact, you have to be strategic with how you use it.
有点像吃一顿欺骗餐。它是一种能让你整个财务饮食都变得舒适的东西而最重要的是，可持续。但为了最大化它的效果，你必须策略性地使用它。
So, step one is to make it guilt-free. To make something guilt-free, you have to see the value in it. The truth is, you can spend your 10% on whatever you like. However, some categories are more valuable than others, which should make them more guilt-free.
所以，第一步是让它变得没有负罪感。要让某件事没有负罪感，你必须看到它的价值。事实是，你可以把你的10%花在任何你喜欢的东西上。然而，有些类别的消费比其他类别更有价值，这应该能让它们更少负罪感。
The first category is vacations, such as trips away or just weekend getaways. This is valuable because you're buying memories that last forever. It's also a great way to de-stress.
第一个类别是度假，比如出门旅行或只是周末短途游。这很有价值，因为你买的是回忆能永远留存。这也是一个很好的减压方式。
When I was building up my businesses in my younger years, I completely ignored the importance of vacations, which led me to becoming very sick. The doctors diagnosed me with stress-induced shingles.
在我年轻时创业的过程中，我完全忽视了假期的重要性，这导致我病得很重。医生诊断我患上了压力诱发的带状疱疹。
They recommended I took a vacation, and that's when I went on my first ever ski trip. I had a great time. Since then, I've made it a priority to take a vacation every year. Instead of seeing it as a waste of time or money, I now see it as an investment in my health because it helps me stay sharp and more importantly prevents me from burning out again.
他们建议我去度假，于是我就去了人生中第一次滑雪旅行。我玩得很开心。从那以后，我就把每年度假当作一件优先事项。与其把它看作浪费时间或金钱，我现在把它看作是对我健康的投资因为它能帮助我保持敏锐更重要的是，防止我再次精力耗尽。
Next is hobbies. This could be painting, gaming, photography, flying model aircraft, the list goes on. This is valuable as it keeps you passionate. You don't always do what you love for work, so by doing it in your spare time, it helps keep your spirits up so you can work harder for longer.
接下来是爱好。这可以是绘画，游戏、摄影、飞模型飞机，这样的例子不胜枚举。这很有价值，因为它能让你保持热情。你并不总是能把热爱的事作为工作，所以在空闲时间做这些事，有助于让你保持精神振奋，这样你就能更努力、更持久地工作。
Next is nights out. Dinner, concerts, and experiences. This is another thing I ignored in my early years, and it was a big mistake as I ended up losing most of my friends. Having a strong social network is so important, especially nowadays.
接下来是夜间外出。晚餐、音乐会和体验。这是我在早年忽略的另一件事，这是一个大错误，因为我最终失去了大多数朋友。拥有强大的社交网络非常重要，尤其是在如今。
Finally, we have gifts. Now, I'm not talking about for yourself, but for your loved ones. This is another one I overlooked. You can see how most of the stuff I teach in these videos comes from me learning from my mistakes.
最后，我们有礼物。现在，我不是说给你自己，而是给你爱的人。这是我又忽略的一个。你可以看到，我在这些视频里教的大部分内容都来自我从错误中学习。
Back when I was focused on chasing my goals, building businesses, and growing investments, I often forgot birthdays and special occasions. I was so locked in on the future that I overlooked what mattered in the present.
当年我专注于追逐目标、建立事业和增长投资时，我常常忘记生日和特殊场合。我太过专注于未来，以至于忽略了当下真正重要的东西。
The truth is, I never really cared much about receiving gifts. There's not much I wanted. But, it wasn't until I married my wife and we started exchanging anniversary gifts that I finally understood.
事实上，我从来都不太在意收到礼物。我想要的东西并不多。但是，直到我娶了我的妻子我们开始交换周年纪念礼物我才终于明白。
Gifts aren't about the item, they're about the thought, the connection, and the relationships they strengthen. Step two is to preload the fun. I'd recommend opening a separate bank account and call it your joy jar.
礼物不在于物品本身，而在于心意，在于它所加固的联系与关系。第二步是预存乐趣。我建议开一个单独的银行账户把它叫做你的快乐罐。
This doesn't have to be with a new bank. You can actually have multiple current accounts with the same bank and have them all appear on your mobile banking app, which makes things very simple.
这不一定非要在一家新银行办理。你实际上可以在同一家银行拥有多个活期账户，并让它们都显示在你的手机银行应用中，这样会让事情变得非常简单。
Then set up an automatic transfer of 10% of whatever you make to be deposited into this account every single month. So, if you make $2,000, send 200. If you make 10,000, send 1,000.
然后设置一笔自动转账，将你收入的10%转每月存入这个账户。所以，如果你赚2,000美元，就捐200。如果你赚10,000美元，就捐1,000。
It doesn't matter how much it is, the percentage is what keeps it sustainable. Just make sure you don't cheat. You can't just top the account up from growth, stability, or essentials when it gets low.
金额多少并不重要，关键是这个百分比，它才能让这件事持续下去。只要确保你不要作弊。你不能只是从增长账户里充值，当稳定或基本账户余额不足时，也不能从这些账户转账。
If you hit zero, you have to wait until next month. When you know this fun money is limited, you look to maximize it in the best possible way. This is exactly how you protect your goals without feeling like you're missing out every time your friends suggest dinner or you pass something in the shop that you really love.
如果你用完了余额，就必须等到下个月。当你知道这笔娱乐资金是有限的，你就会想方设法以最好的方式最大化利用它。这正是你保护自己目标的方法而不会觉得每次朋友提议聚餐时自己错过了什么或者你在商店里路过一件真心喜欢的东西时也有同感。
Step three is to prioritize experiences. If you don't have a particularly large joy jar at the moment, please prioritize experiences above anything else. People always say to me in the comments, "What are you saving for?
第三步是优先考虑体验。如果你目前没有一个特别大的快乐罐，请把体验放在其他任何事情之上。人们在评论里总是对我说，“你在攒钱干什么？
Bro is going to die with all his money." And I get it. From the outside, it might look like I'm depriving myself, but I'm really not. I just spend differently to most people. I don't need a garage full of cars or shelves full of designer gear.
兄弟会带着他所有的钱死去。”我理解。从外面看，可能看起来我是在苛待自己，但其实并不是。我只是和大多数人的花钱方式不同。我不需要一车库的车或满架子的名牌装备。
That stuff might look rich, but it doesn't feel rich to me. My 10% goes on things I'll actually remember, such as a ski trip with my wife, a great day out at Universal Studios with my son, meeting you guys in New York, and a weekend away golfing with my mates.
那些东西可能看起来富有，但对我来说并不富有。我的10%花在我真正会记住的事情上，比如和妻子去滑雪旅行，和儿子在环球影城度过美好的一天，在纽约与你们见面，还有和朋友们周末出去打高尔夫。
So, there you have it, the complete rule. If you want to know how to make $10,000 as a student, then I'm going to leave that video right up there, but don't click on it just yet. Make sure to subscribe if you want to grow your wealth, okay?
所以，就是这样，完整的规则。如果你想知道作为一名学生如何赚到10,000美元，那么我会把那个视频留在上面，但先别急着点开它。如果你想增长财富，一定要订阅，好吗？
I'll see you over there.
我们那边见。
