37. 案例研究：“我们应该多买房还是投资股票？”以及如何使用ChatGPT进行投资

但你已经处于一个非常棒的位置了。

But you're already in an awesome position.

我认为，由于房贷基本已经还清，你现在几乎可以半退休了。

You could essentially semi retire right now, I would say, since the mortgage is more or less gone.

然后你只需要做一点工作来覆盖剩余开销，稍微投资一点，每年还能抽出一些时间去海外度假。

And then you could more or less work just enough to cover your remaining expenses, maybe invest a little bit, and then spend some time overseas each year as well.

所以这会是一个相当酷的场景。

So that would be a pretty cool scenario.

所以这对夫妇处于一个很好的境地，我觉得。

So this this couples in a a good situation, I would say.

澳大利亚FIRE播客是Strong Money Australia和Pearler的合作项目，Pearler是澳大利亚最受欢迎的枯燥型长期投资平台。

The Aussie FIRE podcast is a collaboration between Strong Money Australia and Pearler, Australia's favorite boring long term investing platform.

欢迎收听我们的主持人——来自Strong Money Australia的Dave和来自Pearler的Hayden，他们将探讨所有关于财务自由的话题。

Join our hosts, Dave from Strong Money Australia and Hayden from Pearler as they discuss all things financial independence.

在澳大利亚FIRE，我们非常推崇分享经验并谈论金钱。

At Aussie FIRE, we're big fans of sharing experiences and talking about money.

但请注意，任何建议均为一般性意见，并未考虑您的财务状况、需求或目标。

However, please note that any advice is general and does not consider your financial situation, needs or objectives.

请自行判断这是否适合您，如有疑问，请咨询持牌财务顾问。

Consider whether it's appropriate for you and if in doubt, speak to a licensed financial advisor.

嘿，大家。

Hey, guys.

欢迎回到澳洲FIRE播客。

Welcome back to the Aussie FIRE podcast.

在今天的节目中，我们为大家带来另一个有趣的案例研究。

In today's episode, we've got another interesting case study for you.

从我们的邮箱来看，我想我们可能最终得每周推出一集。

And just by the looks of our our email inbox, I think we might go have to weekly episodes at some stage.

案例研究的数量远远超出了我们能处理的范围。

There's way more case studies than we can actually keep up with.

我们很乐意收到这些案例，但我们也意识到，很遗憾无法全部处理，因为我们确实特别喜欢做这些内容。

We're happy to get them, but just realised that we won't be able to get to all of them, unfortunately, because we do actually like doing those in particular.

它们非常有趣。

They're very fun.

在本集后面，我们还会回答一些有趣的问题。

Later in this episode, we've also got some interesting questions.

其中一个问题是来自一个处境跟我刚到珀斯时非常相似的人。

One of them is from a guy with a very similar situation to actually what I had when I first came to Perth.

他说他来西澳时银行里只有1000美元，这和我的情况非常非常相似，如果你还记得的话。

He says he came to WA with $1,000 in the bank, which is very, very similar to my scenario, if you might recall.

里面还有一个问题关于使用ChatGPT获取投资建议。

And there's another question in there about using ChatGPT for investing advice.

我以前没听说过有人这么做，但我们会深入探讨这个问题，它实际上涉及退休规划以及未来靠投资组合生活时能预期的回报。

I haven't heard of people doing this before, but we'll unpack that particular question, which is actually around retirement planning and sort of what kind of returns to expect when you're gonna be living off your portfolio in the future.

我们稍后也会解析这个问题。

So we'll unpack that one later as well.

但先来说说今天个案研究吧，伙计。

But onto today's case study, mate.

我们开始吧。

Let's do it.

期待已久，戴夫。

Looking forward to it, Dave.

和往常一样，我们会尽力提供一些值得思考的内容，以及在类似情况下我们可能会采取的行动。

As always, we'll do our best to give some things to think about and what we might do in a similar situation.

你可能已经注意到，通常并没有一种正确的做法。

You might have noticed very often that there isn't a right approach.

很多时候，这取决于你的个人优先事项和目标，请记住这一点。

Many times, it does depend on your personal priorities and goals, so please keep that in mind.

世界上几乎不存在普适性的建议。

There is pretty much no universal advice in the world.

所有建议都取决于具体情况。

It is all situation dependent.

因此，尽管我们会对这些案例研究进行评论，请记住，我们很多时候只是在非常模糊的背景下评论这个人，如果我们更深入了解他们，这些建议甚至可能并不适合他们。

So whilst these case studies we will comment on, please remember we're simply commenting on this person at a very, very vague context a lot of the time, and this might not even be good advice for them if we learned more about them as well.

因为每个人的背景总是存在细微差别和复杂性。

Because there's always nuance and there's always subtleties in everyone's background.

这种枯燥又烦人的免责声明真够没完没了的。

Such a boring and annoying disclaimer to go through.

嘿。

Hey.

是的。

Yeah.

对。

Yeah.

就像那些‘四岁以下儿童请勿放入口中’的警告一样。

It's always it's well, it's like all it's like the do not place in child's mouth under four disclaimers.

你知道的，我们99.9%的听众都明白，他们不会真的因为戴夫说‘你应该卖房’就去卖掉自己根本没拥有的房子。

It's like, you know, we we know that 99.9% of our listeners get it and aren't gonna be like, I'm gonna go sell my house that I don't own because Dave said you should sell your house kind of thing.

对。

Yeah.

是的。

Yeah.

所以今天，在我们的案例研究中，有一位34岁的人和女朋友住在一起。

So today, in our case study, we've got a 34 year old who's living with their girlfriend.

他们没有任何投资。

They've got no investing.

他们正在考虑移居海外，与家人共度时光，权衡房产选择，并思考下一步该怎么做。

They're considering moving overseas to spend time with family, weighing up their property options, plus wondering what their next step should be.

他们基本情况的财务数据是：年收入9万美元，年支出5.3万美元。

The basic financial details of their situation is that they have $90,000 of income, $53,000 of expenses, both those would be per year.

至于投资和债务方面，他们拥有2.2万美元的股票，还有一笔抵押贷款，但已经完全抵消了。

And then in terms of investments and debt, there's $22,000 of shares, and then there's a mortgage that they have, but it is completely offset.

现在我将直接朗读这位向我们求助的听众的来信。

So now I'm just gonna read from the listener who's reached out to us.

我们现在主要想决定的是，在抵押贷款已完全抵消、应急基金也已初步建立的情况下，下一步该怎么做。

The main thing we are trying to decide now is what the next steps are with the home loan completely offset and emergency fund well on the way.

我们正在讨论未来几年是否要孩子，以及是否休一年假搬到拉丁美洲，以便更接近我女朋友的家人。

We're discussing whether we have kids in the next few years, as well as taking a year off and moving to Latin America to be closer with my girlfriend's family.

我们有几个选项来实现这一年的休假计划并为其提供资金。

We have a few options to do this and help fund our year off work.

这些选项包括：存下大量现金、在那边做些零工来资助旅行、可能进行债务重组投资于股票（但并非必要，因为我们无论如何都会出租我们的主要居所）、在澳大利亚购买投资房产，同时在这里保持收入，希望实现中性杠杆并能自我维持，用我们主要居所的租金来帮助偿还贷款。

Those options include save up a lot of cash, do little bits of work over there to help fund the trip, possibly debt recycling to shares or not necessary as we'll be renting our primary place of residence anyway, buy an investment property in Australia while having income here, hopefully, neutrally geared and will look after itself, use the rent from our primary place of residence to assist covering the loan.

下一个选项。

Next option.

这是第五个选项。

This is option five.

还有一个机会是在拉丁美洲的旅游区购买一栋房子，价格约为40万美元，我猜这是指澳元。

There is also the opportunity to buy a house in a tourist area over there in Latin America for approximately $400,000, which I'm assuming is an Australian.

那是我。

That was me.

住在里面，同时将其作为投资房产。

Live in it, and then have it as an investment property.

我女朋友是拉丁美洲的公民，所以不存在外国人购房限制的问题。

My girlfriend's a citizen of Latin America, so no foreign over ownership issues.

最后一个选择：留在澳大利亚，再住几年，早日实现财务自由，每年出去旅行，但继续赚取澳大利亚的收入。

Last option, stay here in Australia and continue to live for a few more years and reach financial independence sooner and just do trips each year but keep earning an Australian income.

另外，戴夫和海登，你们有什么建议吗？关于如何削减开支，或者我们该做些什么不同的事？

Also, Dave and Hayden, any tips you guys have on cutting back expenses or things we should do differently?

正如你们所见，如果没有房贷，我们仍然只存下收入的22%，我觉得这太离谱了。

As you can see, without the home loan, we are still only saving 22% of our income, which I feel is insane.

案例研究结束。

End of case study.

太有趣了，老兄。

Very interesting, man.

这里有很多选择需要考虑，确实是一种不寻常的情况。

Lots of options, I suppose, to consider here and kind of an unusual situation, really.

我想，很少有人会像你们这样，考虑出国待一年。

Not that many people in this boat, I would say, with a situation where they might be considering moving overseas for a year.

我觉得这确实很不寻常。

It is quite unusual, I'd say.

根据他们提到的这些事情来看，似乎他们在做决定时有点纠结。

Judging by the number of things they've mentioned, it sounds like they're maybe struggling a little bit with what to decide.

这里不仅涉及财务问题，还有生活方式和不同的优先级，而我们不幸地并不清楚这些优先级在重要性排序中究竟如何排列，哪个更高一些。

There's not just financial stuff in here, there's lifestyle stuff in here as well and different priorities that we unfortunately don't know exactly where the different priorities sit on the level of the scale of importance, which one's above certain other ones.

所以我们会逐一分析他们提到的各个领域和事项，并对每一点提出一些看法。

So we'll run through each of the different areas and different things that they've touched on, and we'll offer a couple of thoughts on each thing.

最后，我们会看看这些因素如何组合成一些可行的选项和前进的步骤。

And then at the end, we'll see how it might combine itself into some workable options and some steps forward.

那么我们首先来讨论一下开支方面。

So the first thing that we'll cover, I'll say the expenses side of things.

当然，有几项开支，对吧？

Look, there are a couple, right?

每年50美元并不算高。

So $50 a year is not overly high.

考虑到这里没有房贷，这个数额不算特别低，但也不算特别高。

It's not super low considering that there's no mortgage here, but it's not super high either.

所以在这方面，他们可能不需要做太多调整。

So there's probably not a lot they need to do in that regard.

根据他们在这里提到的内容以及一些后续会谈到的评论，他们可能在旅行上的开销稍微多一些，这完全没问题。

Might be judging by what they've said here and some comments they've made, which we'll touch on later, they might be spending a bit more on travel, which is perfectly fine.

我认为他们目前的状况非常适合这样做。

I think they're in a pretty good position to do that.

所以目前我不建议在支出方面做太多调整。

So I wouldn't do too much on the expense side of things right now.

让我印象深刻的是他们的收入，每年只有90美元。

The income side of things stands out to me where they're earning $90 a year.

我不确定这个数字是涵盖两个人的，还是听众只提到了自己的收入，而没有包括伴侣的收入。

I'm not sure if that is covered for both people or the listener has just mentioned their own income and not the income of their partner.

我真的不太确定。

I'm not really sure.

但对于两个人来说，每年9万美元实际上相当低。

But for two people, $90 a year is actually fairly low.

这相当于两个人全职工作时的最低工资或偏低工资水平。

That kind of equates itself to something like full time minimum wage or low ish wages for two people working full time.

在这种情况下，我不惊讶他们的储蓄率不高。

In that case, I'm not surprised that the savings rate is not super high.

他们可能漏掉了伴侣的收入。

It's possible that they did leave their partner's coming out.

我不太确定，但我们现在先按9万美元来算吧。

Not too sure, but we'll work on $90 for now, I'll say.

还有什么需要关注的吗

Is there anything that

我认为可以假设这是合并后的收入，因为他们提到了22%。

I reckon assume it's the combined given that they said 22%.

合并？

Combined?

好的。

Okay.

对。

Yeah.

但我们并不确定，不过我们会假设是合并的。

But we don't know, but we're going to assume combined.

是的。

Yeah.

不。

No.

其实这个想法很好。

Good good call, actually.

但如果真是这样，我可能会考虑增加收入，因为这非常可行。

But if if that's the case, I would probably look at earning more income because that's very, very doable.

如果你一个人每月收入45美元，而且是全职或几乎全职工作，那么在几乎所有行业中，你都有很大的空间赚取比这多得多的收入。

If you're earning, say, $45 per person while working full time or or mostly full time, there's definitely a lot of upside there in almost every industry to earn quite a bit more than that.

海登，你对收入和支出有什么想法吗？

Do you have any thoughts in on the income and expenses, Hayden?

是的。

Yeah.

我觉得看起来是这样。

It's think look.

戴夫说得对，归根结底，财富主要是在人生的早期阶段通过收入积累的，其他一切都不过是点缀、催化剂之类的东西。

Dave's right on like, at the end of the day, wealth is mostly built in the early stages of life with income, everything else is just kind of garnish and catalysts and things like that.

所以，如果你有能力增加收入，那就去争取吧。

So you know, if you have the capacity to get more income, then go for it.

但显然，我认为对大多数人来说，大多数澳大利亚人并不会坐在那儿想：‘这真是个好主意。’

But obviously, I think like it's true with most people, most Australians are not sitting around being like, that's a great idea.

我会去赚比我以前挣得更多的钱。

I will go earn more money that I previously wasn't earning that I could.

所以我理解，每个人都有自己的处境，这可能就是他们目前最现实的选择。

So I'm sympathetic that, you know, there's everyone's got circumstances, and that's probably just what's working at the moment.

关于支出方面，是的，如果你没有在还房贷，每年花50块钱可能已经算高的了。

On the expenses thing, yeah, like, if you're not paying down the mortgage, $50 a year is probably is probably on the high side.

那里肯定有些地方可以削减。

There's probably things to cut down in there.

考虑到你提到或至少暗示过你没有孩子，而且你将承担的住房成本基本只是房产税和水电气费用。

Think given that you've mentioned or implied at least that there's no children and that the the housing costs you're gonna have are pretty much gonna be just rates and water utilities.

那里肯定还有一些开销。

There's gonna be something there.

大多数人考虑支出时，通常首先会看交通工具。

The first thing for most people to look at when it comes to expenses are typically vehicles.

同样，我不想跟Dave深入探讨，因为我们可能会花一小时猜测这个人可能的各种情况，但交通工具肯定是优先考虑的项目。

It's again, I don't wanna go too deep with Dave because like we could just speculate for an hour on the different kinds of situations this person has, but vehicles would be high up on the list.

食物或社交支出也可能偏高，不过就我个人的感觉而言，尤其是关于食物这类开销，我经常思考：一辆5万美元的车和一辆3万美元的车，其财务影响确实很大。

Some food or social spending is high too though I kind of my general feeling at least with food and stuff is that, like, I think about this a lot, know, the financial impact of a $50,000 car versus $30,000 car is pretty significant.

但据我经验，这并不会真正深刻地改变人们的生活。

And in my experience, it doesn't really change people's lives that deeply.

每周外出六次而不是两次，对人们来说差异非常大，你知道，那是完全不同的社交生活。

The difference in going out six nights a week instead of two is quite significant to people, you know, that's a very different social life.

这非常有趣，实际上会对你的生活时间等各方面产生重大影响。

It's very fun, it actually has big impacts on your time and, all this kind of thing.

所以我不想深入讨论你是否外出就餐太多这类问题，因为我觉得这很棘手，特别是如果你一年内不可能因此节省数万美元的话。

So I don't want to get too into the like, you know, if you're eating out too much kind of thing, because I think that's tricky, particularly if you're, you know, you're not going to save tens of thousands of dollars here a year.

但是啊，没有更多信息很难判断，不过汽车应该是我首先会关注的地方。

But yeah, hard to know without mob, but car would be the first point, 'd first place I'd look at least.

我们可能再次不清楚，但有可能他们在早年存了很多钱，用来还清或完全抵消了房贷。

It's possible we don't know again, but it's possible they actually saved a lot in earlier years to pay off their or to fully offset their home loan.

而近年来，他们可能因为处于舒适的状态，开始在旅行和其他方面多花一点钱。

And now maybe in recent years, they've started to spend a little bit more on travel and other stuff as they're in that comfortable position.

我经常看到有人这么做，事实上这没什么不对的。

I see people doing that quite a bit, and there's nothing wrong with that to be fair.

一旦你达到了舒适和相对财务安全的阶段，适当放松一下、更多地享受生活是完全合理的。

Once you reach a position of comfort and a position of relative financial security, it makes perfect sense to then take your foot off the gas and start enjoying life a little bit more.

所以这可能是这里发生的情况，但他们能在34岁就做到房贷抵消，这做得真是太棒了。

So that could be potentially what's happened here, but they've done an incredible job of being in a mortgage offset position in what is it?

34岁。

Age 34.

这简直太厉害了。

That's pretty damn awesome.

如果我们简单聊聊与房贷相关的债务循环问题，你说得对。

If we just touch on the related to the home loan, the debt recycling thing, you're right.

其实没必要，因为如果你在拉丁美洲时把房子出租，房贷利息本来就可以抵税。

It's not really necessary because if you're going to be renting out your home while you're in Latin America, then the mortgage is going to be tax deductible anyway.

而且既然已经完全抵消了，你可能根本不会支付任何利息。

And since it's fully offset, you're probably not going to be paying any interest.

这一点也值得考虑。

There's that to consider as well.

所以，债务循环实际上没有任何真正的好处。

So really no real benefit to debt recycling.

而且，这也不一定能为旅行提供资金，因为投资这笔钱所产生的投资收益，将低于你如果把全部资金从抵消账户中取出所需的房贷还款额。

And it also wouldn't help you necessarily fund the trip because investing that money is going to leave you with investment income that is going to be less than your mortgage repayments if you were to pull that all out of the offset.

所以这实际上也会对你的现金流造成一点负担。

So that would actually cost you a little bit of money in cash flow as well.

我认为更重要、更关键的是决定正确做法的因素。

I suppose what's the more important stuff, the more critical stuff that's going to determine what the right kind of move is.

那就是他们选择停留或居住的地点，以及孩子的问题，因为他们正在讨论未来几年是否要孩子。

And that would be the location that they choose to stay in or live in and the kids aspect as well because they're discussing whether they have kids in the next few years.

我认为这将真正决定最理想的行动方案。

I think this is gonna really determine what will be the ideal course of action.

你觉得呢，海登？

What do you think, Hayden?

这是个大问题。

It's a big one.

是的。

Yeah.

孩子这件事太重要了。

The kids thing is is massive.

我的意思是我多多少少能理解。

I mean, I can probably somewhat relate.

我不确定是不是计划在未来几年要孩子，但 definitely 是未来五到十年内。

I don't know if I don't know if I'd say I'm planning for kids in the next few years, but definitely the next five to ten.

所以我多少能体会到那种感觉——确实会稍微改变财务格局。

So I kind of get that feeling a little bit of like, it does change the financial landscape a little bit.

这真的很难，因为显然，如果你的房贷已经完全抵消，积累了一笔不错的积蓄，从我的角度看，你大概有两种选择：假设你现在刚从旅行回来，你可以把积累的这笔资金用作一个丰厚的缓冲，撑过最初四五年甚至更久的困难时期，不必太焦虑，必要时慢慢消耗你的抵消账户。

It's really hard because obviously, like, if you've got your mortgage fully offset, you built up a nice little nest egg, and you probably have two general approaches with it from my perspective, which would this this is, I guess, assume, let's say you're back now from your trip or something, you can either, like, use all that capital you built up to build a nice cushiony buffer and get through the first four or five years or whatever difficult period it is without stressing too much, you know, and kind of eat into your offset if you need to.

因为根据你的收入情况，我猜你确实需要这么做，毕竟在很多情况下，养孩子并不便宜。

Because I imagine based on your income and stuff, you'll need to a little bit given that children aren't necessarily cheap in many cases.

或者你可以选择债务循环的路径，开始构建投资组合，让生活在未来十年、十五年、二十年的维度上变得更好，但这会以短期内更大的财务压力为代价。

Or you could go down the route of, say, doing debt recycling, start building up a portfolio so that life looks better in like a ten, fifteen, twenty year horizon, but that will come at the cost of like more kind of financial stress in the short term.

至少我是这么看待这些问题的：把钱投入投资而非留在现金或抵消账户中，通常能让你在长期受益，尽管短期内会承受更多压力。

At least that's how I think about these things is, you know, trying to trying to get your money in investments as opposed to kind of cash and offset will just set you up for the longer term, typically better by putting stress in the short term.

而且这件事根本没有非黑即白的做法。

And there's there's no binary approach to this either.

如果你一开始有30万美元的房贷，完全有可能拿出其中一半、四分之一，或者80%来投资。

It's totally possible if you had a $300,000 mortgage to start investing half of that or a quarter of it or 80% of it.

我觉得这是你应该去探索的方向。

I think that's something you should explore.

至于你打算投入多少资金构建投资组合，这完全取决于你的个人情况和风险偏好——是投入一小笔、一大笔，还是中间的某个数额。

Think the real question of the amount of that you start trying to invest in something that's going to be a portfolio will just depend on your circumstances and risk appetites as to whether that's, you know, a tiny amount, a large amount or anything in between.

至少这是我给你的建议，戴夫。

That'd be my my go to at least, Dave.

是的，我认为，如果你假设他们将来会要孩子，那么他们就需要决定，正如海登你说的，他们要多激进地规划财务。

Yeah, I think this, like, if you assume that they're gonna have kids, and then they're gonna have to decide how much to your point, Hayden, how much they or how aggressively they approach their finances.

他们想投资得越多，可能就意味着房贷会一直伴随着他们，如果他们把钱拿去投资的话。

The more they want to invest, that's probably going to mean those mortgage repayments stay in their life if they invest the money.

这意味着在他们收入可能最低的时候——因为至少有一方父母会在家照顾孩子一段时间，甚至更久——他们将面临更大的压力和更高的工作要求。

And so it's going to mean more pressure and more work requirements at that time when they have probably less income in their lives because one parent's going to be at home for at least a while, possibly for an extended period depending on how they choose to approach it.

还有开支方面的问题，这些也会增加，因此又带来了更多压力。

And then there's the expense side of things as well, which goes up, so that's a little bit more pressure again.

这取决于他们希望拥有多少灵活性，以及在这种情况下想要多少内心的安宁。

It's going to depend how much flexibility and I suppose how much peace of mind they want in such a scenario like that.

但谈到他们可能迁往拉丁美洲，如果他们几年后要孩子，这可能会改变他们想居住的地方。

But touching on their possible move to Latin America, if they're going to do that and have a kid in a few years, that might actually change where they want to live.

如果他们选择要孩子，他们可能会想回到拉丁美洲，以便更靠近家人生活。

They might actually want to go back to Latin America to then live closer to family after they have a kid if they choose to do that.

因为我认为，这可能是他们人生中的一个关键时刻，届时他们会开始反思自己在做什么、要去哪里，以及真正想要怎样的生活方式。

Because I think that that will be maybe a pivotal moment in their life where they'll start to question what they're doing and where they're going and how they actually want to live.

这可能也会改变一些事情。

That might actually change some things as well.

所以他们也应该考虑一下这一点。

So they should probably think about that as well.

这同样可能改变他们的财务状况。

And that might change the financial picture too.

显然，如果他们搬到拉丁美洲，财务结果将与留在澳大利亚做零工完全不同。

Obviously, if they move to Latin America, that's gonna have a totally different financial outcome than staying in Australia with a gig.

是的。

Yeah.

而且如果你看看他们之前提出的那些选择：存现金、海外工作、尝试债务循环、购买投资房产、在海外买房。

And if you look at those options that they presented earlier, save up cash, work overseas, try debt recycling, buy an investment property, buy a house overseas.

我很难对在海外买房这一项发表评论，因为我对此知之甚少。

I can't really comment on the house overseas part because I know so little about it.

但我想说的是，我大概不会太纠结于存一大笔现金这一点。

But all I'd say is I probably wouldn't get caught up on the save up a lot of cash one.

为什么呢？

It's like, why?

你已经存了不少现金，放在抵扣账户里了。

Like, you've already saved up a lot of cash sitting in your offset account.

如果你已经完全抵扣了房贷，那么在未来十二个月或二十四个月内，你几乎不可能通过其他方式显著提升你的财务安全，因为你已经把贷款完全抵扣了。

If you fully offset the mortgage, you're not gonna do anything in twelve, twenty four months that's gonna materially improve the security you have financially if you fully offset the loan.

所以你就已经存够了钱。

So it's like you've saved up the cash.

如果只是存钱，就直接跳过这一点吧。

If if it's just saving up cash, just move past that one.

如果你觉得去那边工作不会带来麻烦，那总是个不错的选择。

The work over there is always a good thing if you don't think it'll like cause any grief.

过去三年我每次旅行都工作了，因为我有能力做到，而且这样带来的财务保障，远大于它对我的体验造成的负面影响，你知道的。

Like all of the travel I've done in the last three years, I have worked on every trip because I've been able to and the financial security I have from doing that outweighs the impact to my experiences, the negative impact, you know.

但你并没有在那些地方工作。

But you didn't work in those locations.

你的意思是，你没有在那些地方找到工作。

Like, you didn't get jobs in those locations.

我觉得这对夫妇实际上是在讨论在那些地方找工作。

I think this couple is actually talking about getting work in the locations.

是的。

Yeah.

是的。

Yeah.

没错。

Exactly.

是的。

Yeah.

这是一个重要的区别。

That is that is an important difference.

对某些人来说，这可能是一种很好的方式，来打破那种可能让人感到麻木的状况——突然间你在一个陌生地方没有工作，每天有十六个小时无事可做。

And it's like, for some people, it might be a great way to break up what could feel mind numbingly kind of, you know, suddenly you're without work in a different place, and you've got sixteen hours a day to kill.

对另一些人来说，这可能会严重削弱一次难得的放松体验。

For other people, it could really take away from what's a once in a lifetime experience to go and relax.

这完全取决于你自己，但你知道，我的做法是，每个人都应该尽可能多地工作，直到要么没活可干，要么工作开始对自身产生负面影响。

Like, that's really up to you, but, like, you know, if you can like, my approach with stuff is, like, everyone should work as much as they can until they either run out of work or until it impacts them negatively.

工作是好事。

Like, work is good.

这有助于你积累资本。

It helps you build up capital.

我们都需要钱，对吧，为了长远考虑。

We all need we all need money, right, for the long term.

我觉得你提到戴夫的引用也特别到位。

And and I think you've nailed it with, like, the and Dave references too.

如果你在澳大利亚出租自己的主要住所，那也会是一个不错的现金流情况。

If you're renting out your primary place of residence in Australia, that's that's gonna be that's gonna be a good cash flow situation too.

当然，这可能也取决于你住在哪儿以及具体情况如何。

And obviously, I guess it depends where you're staying and what's going on as well.

比如，你是和家人住在一起吗？

Like, are you staying with family?

还是住其他地方？

Are you staying whatever else?

我本来想说，拉丁美洲应该很便宜吧，但最近我第一次去智利时，自己都惊讶了，那是我经历过的最花钱的一次旅行。

I'd like to kinda say, oh, I imagine Latin America's cheap though, you know, I I surprised myself when I went to Chile for the first time recently, and it's been one of the most financially difficult trips I've done.

所以我不想这么说。

So I don't wanna say that either.

哇。

Wow.

是的，那真是一段糟糕的经历。

Yeah, it was it was horrible.

我去那里是因为大家都说那里很浪漫，那种真正地道的西班牙语智利风格，而且价格实惠。

I went there because everyone was like, they they romanticized it like, you know, it was kind of that real, you know, genuine kind of Spanish Chilean affordable kind of thing.

但我想是因为我2023年去的，那时通货膨胀已经开始了。

But I think what had happened because I went there in 2023, like inflation had hit.

所以汇率和通胀叠加起来，麦当劳的一个巨无霸套餐竟然要20澳元。

So like in the between the exchange rates and inflation, it was like a Big Mac meal at McDonald's was like 20 Australian dollars.

那真的让人很沮丧。

It was it was really upsetting.

但我的意思是，我不想为自己感到难过，就像薯条端上来一样

But I mean, you know, I don't want to I don't want to feel bad for me is like the the fry coming in

当你走进一家大型

As you come into a big

麦当劳。

mac.

很艰难。

Struggling.

不过，戴夫，我可没花那些钱买巨无霸。

Well, I I didn't get a big mac for those prices, Dave.

但确实如此。

But yeah.

不，不是这样的。

What no.

但关键是，我相信肯定还有一些旅游目的地依然很贵。

But, know, it's like point is that, like, I'm sure I'm sure there's still some fairly expensive places to travel to.

但如果你把它租出去，那会非常有帮助。

But if you're renting it out, that'll be super helpful.

这也很棒，因为我并不是这方面的税务专家，但我很确定，如果你在澳大利亚出租你的主要居所，只要你不申报其他地方作为主要居所，你仍然可以将其视为你的主要居所。

And it's great too because I'm not a tax expert on this, but I'm pretty sure if you if you rent out your primary place of residence in Australia, you can still leave it as your primary place of residence as long as you don't declare something else too.

对吧？

Right?

所以长期来看，不会因为第二套房子而受到太大影响。

So there's not gonna be, like, a hit long term on, like, a second house.

对吧？

Right?

是的。

Yeah.

没错。

Exactly.

是的。

Yeah.

只要你没有另外一套房子声称也是你的主要居所，因为那样行不通。

As long as you don't have a another house that you're trying to say is also your primary place of residence because that won't fly.

是的。

Yeah.

这很好，因为有些人出租房屋后，会因为房子在一段时间内被认定为投资性房产，而在出售时不得不缴纳额外税款，这可能会对他们出售房产造成影响。

Which is great because some people get caught up when they rent out the house and then suddenly because it was technically an investment property for a bit, now they have to pay extra tax on it when they sell it, which can be an impact if they do want to sell it.

所以，这很好，因为你并没有在澳大利亚购买另一套房子，从而可以避开这个问题。

So it's great that you can kind of skirt around that as well because you're not, you know, buying a different home in Australia.

所以，是的，我认为让他们享受这一年假期是个好主意，不管他们在那里是否工作。

So yeah, do think it's a do think it's a good idea that they enjoy their year off, whether they work or not over there.

这取决于他们对自己在那里如何度过时间的看法。

That's going to depend on how they see themselves spending their time when they are there.

我想他们可以把这当作是对自己过去十年左右辛苦还清房贷的一种大休息。

I suppose they could treat it like a big break for their hard work of more or less paying off their mortgage, which they've probably done over the last ten years or so.

这取决于他们想如何安排自己的时间。

It's going to depend how they want to spend their time.

至于房产选择，我对在拉丁美洲购买投资性房产一无所知。

As for the property options, again, no idea on buying an investment property in Latin America.

在合适的位置做Airbnb可能会非常盈利，但这方面需要考虑和研究的东西很多。

Airbnb in the right spot could be extremely profitable, but there would be a lot to consider and a lot to research in that regard.

你已经有一处房产可以产生收入，所以其实并不一定非得再买另一处。

You already have one property that you're going be able to collect income from, so you don't really necessarily need another one.

从长远来看，这可能会有帮助，但你提到过要找一个收支平衡或正向现金流的澳洲房产。

It could help you long term, but suppose you touched on finding an Aussie property that's going to be neutral or positively geared.

说实话，这可能相当困难，因为要实现收支平衡或类似目标，你需要相当高的租金回报率，比如8%、9%、10%，才能在扣除所有费用后获得5%、6%的净收益。

Honestly, that's probably going to be quite difficult to do because to have one that is actually neutrally geared or whatever, you're going to need a pretty decent sized rental yield, like 8%, 910% to actually get 5%, 6% after all costs are involved.

这很难做到。

That's going to be difficult to do.

这还取决于你在享受这一年假期的同时，愿意承担多少债务、支出和风险。

And it depends how much debt and outgoings and risk you want to have while you're trying to enjoy that year off.

这可能会给你的计划带来额外的压力，而你可能并不真正想要这种压力。

That could put a bit more stress into your scenario that you might not really actually want.

因为我们讨论的是一对已经存了又存、积攒了大量现金来全额抵消房贷的夫妇，从本质上讲，他们很可能是一对保守型的伴侣。

Because we're talking about a couple who has saved and saved and saved, a lot of cash to fully offset their mortgage, by nature, that's probably a conservative couple.

我不确定你究竟想承担多少债务，在你试图与家人共度一年的时候，还要面对另一个国家的房产压力。

I don't know how much debt you actually want to take on and have that kind of scenario hanging over you with properties in another country while you're trying to enjoy a year with family.

我不确定这是否是最合适的选择，尽管它可能是一个不错的长期选项。

I'm not sure that's the best fit, even though it could be a good long term option.

但关于如何资助这一年休假，正如海登所说，你已经积累了大量现金，所以你完全可以直接使用现有的现金，几乎不会增加任何债务。

But as for funding the year off, like Hayden said, you've already got a lot of cash, so you could simply just use the cash that you have and it's really not going to make much debt at all.

我们还不知道具体会在拉丁美洲的哪个地方，但我猜那里的生活成本会比澳大利亚低，尤其是如果你和家人住在一起的话。

We don't know exactly where in Latin America, but I would imagine that it would be cheaper than living in Australia, especially if you're staying with family.

但如果长期目标是尽快实现财务自由，而你决定不进行这一年休假，那么我会建议你尽量增加收入。

But if the long term goal is to achieve financial independence as soon as possible and you decide not to go ahead with the year off, then I would say focus on increasing your income if you can.

这可能会比削减开支带来更大的影响，或者在这个特定情况下，可能更容易实现。

That'll probably make a bigger difference than cutting your expenses or it might be easier just with this particular scenario.

这还会为你提供额外的现金，不仅可用于投资，还可能让你更频繁地探望家人——如果这对你来说是一件重要的持续性事情的话。

And that'll also give you extra cash to not only invest, but then maybe also visit family more often if that's going to be an important ongoing thing that you want to do.

但你现在已经处于一个非常棒的位置了。

But you're already in an awesome position.

你现在基本上可以半退休了，我觉得，因为房贷基本已经还清了。

You could essentially semi retire right now, I would say, since the mortgage is more or less gone.

然后你只需要做一点工作来覆盖剩余开销，稍微投资一点，每年再抽出一些时间去海外度过。

And then you could more or less work just enough to cover your remaining expenses, maybe invest a little bit and then spend some time overseas each year as well.

所以这将是一个相当棒的方案。

So that would be a pretty cool scenario.

因此，这对夫妇目前的处境很不错，我觉得。

So this couples in a good situation, I would say.

我同意。

I agree.

我认为，就像我们在很多案例中看到的那样，恭喜你们把自己置于一个良好的财务位置。

I think it's I mean, like we we have with many of these case studies, congratulations for, you know, putting yourself in a strong financial position.

许多澳大利亚人都是负债状态。

Many Australians are in net debt.

很多人每天都在为生计挣扎，所以不妨退一步，为自己的成就感到骄傲，并记住，无论未来如何发展，都只会是比原本可能的情况好上一些的版本。

Many of them are struggling day to day to always try and take a step back and be proud of what you've done and remember that however it goes forward from here, they're just gonna be shades of of things being pretty okay compared to what it could be.

所以，我希望这些对你有帮助。

So, you know, I hope that was helpful.

是的。

Yeah.

所以，我想总结一下，我可能会直接靠现金生活。

So I suppose to summarize, I'd probably just live off the cash.

如果你有兴趣探索的话，也可以考虑做一些兼职工作。

Maybe look at some part time work if that's something that you're interested in exploring.

这可以成为你在国外时一个有趣的额外爱好或打发时间的方式。

That could be a fun little side hobby or way to spend your time while you're over there.

然后当你回来时，如果你决定要孩子，你就能更好地决定之后住在哪里，以及如何继续投资你的资金，还有那时你愿意承担多大的风险。

And then when you get back, if you choose to have kids, then you'll be able to better decide where you live from then on and then how you want to invest your money going forward and how much risk you're comfortable taking at that point as well.

这将帮助你覆盖其他那些你正在犹豫的方面。

That will help cover those other bases that you're trying to decide.

不过，是的，我会尽量保持简单，好好享受这段休息时光。

But yeah, I'll try and keep it pretty simple and just enjoy the time off.

最后，在这个案例研究中，我们在表格上会问人们：你最有价值的金钱或人生经验是什么？

And just on a final point on this case study, on the form, we actually ask people, what's been your most valuable money or life lesson?

他们的回答是：多把钱花在旅行和体验上，而不是物品上。

And so their answer was spend more money on travel and experiences, not on things.

有意思。

Interesting.

很有趣，对吧？

Interesting, isn't it?

这符合你的预期吗？

Is that what you'd expect?

有可能。

Possibly.

可能对这对夫妇来说是这样。

Possibly from this couple.

是的。

Yes.

可能吧。

Possibly.

那种说法还挺符合这个故事的。

That kind of that kind of fits the story.

我可以问一下，你觉得人们说的‘东西’指的是什么？

Can I ask, what what do you think people mean by things?

比如沙发？

Like a lounge?

是的。

Yeah.

沙发、衣服、电子产品、汽车、珠宝之类的。

Lounges, clothes, gadgets, cars, jewelry, maybe.

就是一些杂物吧，我想。

Just stuff, I guess.

家里的小摆设。

Trinkets for the house.

我不知道。

I don't know.

就是一些东西。

Just stuff.

因为，比如，这样说公平吗？我可以换种说法，但意思仍然成立：一个很好的金钱课是，多花钱在旅行和体验上，而不是在贬值或不增值的资产上？

Because, like, is it fair to say that, like, that could I rephrase that in a way that's still true if if it was, like, the a great value money lesson is spend more money on travel and experiences, not on depreciating or nonappreciating assets?

这有道理吗？

Does that makes any sense?

因为显然，你可以花钱买很多东西。

Like because obviously, there's lots of things you can spend money on.

比如，那些对你和你的未来有好处的东西。

Like, that are things that are, like, good for either, like, you and your future and stuff like that.

你知道，比如你买个泡沫轴来缓解背部不适，或者买些家用健康设备，或者买件厨房用具，让你更容易做健康饮食或备餐。

You know, like, maybe you buy a foam roller for your back or you buy, like, something to deal with your health at home or a piece of kitchen equipment that's gonna make it easier to cook healthy food or meal prep.

像这些你可以买的东西很多，但我觉得这些回答根本没提到这些，对吧？

Like, there's all these things that you can buy, but I feel like these answers aren't talking about those things, are they?

他们在说，别买那些不会

They're talking about, like, stop purchasing things that don't

不会为你的生活增添价值的东西。

Don't add value to your life.

是的。

Yeah.

我想是吧。

I guess

我想是的。

I guess so.

我不想过度解读那些汇总的评论，但至少，你知道，他们指的不是房子这样的东西。

I don't wanna read between the lines of an aggregated comment, but at least, you know, they don't mean things like a house.

他们指的不是那些能改善你生活的好东西。

They don't mean things like things that help you, you know, your life in a good way.

他们假设说的是像我客厅里那张沙发，我是在Facebook市场花100美元买的。

I'm they assume they're talking about like, I have a lounge in my living room that I got off, think, like Facebook marketplace for a $100.

这就像一个L形的沙发。

It's like an l shaped lounge.

如果我花两千美元买个新沙发，我觉得我并不会感觉更好。

And it's like, if I got a $2,000 new lounge that would be I don't think I'd feel any better.

我不认为这会改善我的生活，而且我会为一件东西花更多钱。

Don't think that would have improved my life, and I would have spent a lot more money on a thing.

不过你可能会享受那种高档沙发的体验。

You might enjoy the experience of that fancy lounge though.

没错，确实如此。

Well, it's true.

这和体验有关，对吧？

Ties into experiences, doesn't it?

没错。

That's true.

我想留给你和听众一个问题，我很想和大家就类似的话题聊聊。

I'll I will leave you with I will leave you and the listeners with a question, which I'd love to chat with people about on a similar topic.

但你会买二手床垫吗？这是我想问大家的问题。

But would you ever buy a secondhand mattress is the question to people.

如果你会买，那么购买二手床垫时会有什么条件吗？

And if you would, are there any conditions of purchasing said secondhand mattress?

我经常和别人聊这个话题，因为我太喜欢了。虽然我不喝酒，不去酒吧，但这简直就像酒吧里那种让人捧腹的闲聊，一个绝佳的开场话题，或者说一个能引发争论的导火索，你知道的，就是个引子。

It's I love I have that chat with people frequently just because it's it's a hilarious I don't go to the pub because I don't drink but it's like a hilarious like pub pub convo so to speak like just a conversation starter like a fight starter so to speak you know like just starter.

就用这种话题逗逗人，让大家热闹一阵子。

Just shit shit stir people for a while with things like that.

算了，改天再说吧。

Anyway, another time.

你有没有因为自己那充满激情的省钱行为，去故意挑起别人的争论呢？

Do do you ever shit stir people with your, shall we say, passionate savings antics?

然后别人会说：‘什么？’

And then people are like, what?

你刚才说什么？'

You did what?

我真不敢相信你竟然做了这种事。

I can't believe you did that.

而且你还……

And you're

是的。

like, yeah.

嗯，没错。

Well, yeah.

我其实不太想聊这个，但通常我都是这样做的：我会提醒别人我刚买了一张二手床垫，然后事情就会自然展开，因为这总能引发强烈的反应——比如别人第一反应总会说：‘我绝不会这么做。’

I didn't really I didn't really wanna go into that, but that's that's how I usually do it is I usually remind people that I just bought a secondhand mattress and just what should unfold from there because it's it creates quite a because you get the first response to someone, you know, I would never, You know?

然后另一个人会问：‘那你去住酒店吗？’

And then someone else is like, do you ever go to hotels?

是的。

Yeah.

是的。

Yeah.

是的。

Yeah.

你知道的？

You know?

而且就是，看着人们来回讨论这件事。

And and it just, like, it's just watching people go back and forth about it.

就像点火一样。

It's like it's like lighting a fire.

你知道的？

You know?

它总是

It's always

总是很好的娱乐。

always always good entertainment.

这很有趣。

It's interesting.