20岁时就该知道的7个理财教训！（快速实现财务自由的逐步指南）

这是一档iHeart播客。你不是不擅长理财，只是从未被教导如何运用金钱。你被教导如何赚钱，而非如何增值；你被教导如何消费，而非如何投资。

This is an iHeart podcast. You're not bad with money. You were just never taught how to use it. You were taught how to earn it, not how to grow it. You were taught how to spend it, but not how to invest it.

你被教导追逐金钱，而非让金钱为你工作。你学的是生存之道，而非投资之道。不懂这些不是你的错，但学习改变的力量此刻就在你手中。排名第一的健康生活类播客，杰伊·谢蒂。

You were taught to chase it, not how to make it work for you. You weren't taught about investing, only about surviving. And it's not your fault you didn't know, but it's your power to learn now. The number one health and wellness podcast. Jay Shetty.

杰伊·谢蒂。独一无二的杰伊·谢蒂。大家好，欢迎回到《有目的生活》。我是杰伊·谢蒂，非常感谢你们的收听。

Jay Shetty. The one, the only Jay Shetty. Hey, everyone. Welcome back to On Purpose. I'm Jay Shetty, and I'm so deeply grateful that you tuned in.

希望你们已订阅节目以免错过任何内容。记得在Instagram、TikTok等平台持续@我，我很喜欢看到那些引起你们共鸣的片段，也珍视我们正在建立的社群。今天这期节目关乎我认为极其重要的主题——

I hope that you've subscribed so that you never miss an episode. And make sure you keep tagging me on Instagram and TikTok and all your platforms. I love seeing the clips and the parts that resonate with you. And I love the community we're building. Now today's episode is about something that I believe is so important.

那些我多希望在二十多岁时就明白的金钱真理。无论你现在二十岁、三十岁、四十岁还是五十岁，这期内容依然适用，因为财务素养是我们都学得太晚的课题，有些人甚至终生未曾触及。我相信你们都经历过相关挑战：信用卡还款、债务困扰、赚钱与增值的困惑、是否需要副业、收入渠道数量——

It's everything I wish I knew about money in my twenties. Now, whether you're in your twenties, thirties, forties, or fifties, this episode still applies because I believe that financial literacy is something we all learn far too late. It's something that some of us never learn at all. I'm sure you've had some challenges with this, whether it's been credit card payments, whether it's been debt, whether it's been understanding how to make money or grow money, whether it's understanding, do I need a side hustle? How many streams of income do I have?

是否真正清楚自己的消费去向？是否意识到金钱的浪费之处？或许你来听这期节目，正是因为内心某个部分一直在回避金钱。我猜你不太愿意查看银行账单，可能总想把它搁置一边——

Do I really know where I'm spending my money? Do I know where I'm wasting my money? And chances are if you've turned up here, there's a part of you that's also avoided money. I'm guessing there's a part of you that doesn't like looking at your bank statement. There's a part of you that maybe wants to put it away.

你不敢核对储蓄金额，因为害怕面对那个数字。这确实令人难以承受。但我想首先告诉你：这不是你的错。

There's a part of you that doesn't check how much you've saved because you're scared. You're scared to look at the number. It's hard to face. And here's what I wanna start by telling you. It's not your fault.

从来没有人教过你这些。这本就不是你天生该懂的事。我们总觉得长大后就突然要付房租、缴税、搞懂房贷，却完全不明白运作机制。所有东西都涉及利息，某天你会猛然发现：学校根本没教过这些！即便学过经济学，也不懂真实世界的经济如何运转——

You were never taught how to do it. It's not something you should know how to do. I think we all feel like we grow up and all of a sudden we're paying rent, we're paying taxes, we've gotta figure out what a mortgage is, we have no idea how that works, Everything has interest. And all of a sudden you grow up and you go, well, wait a minute, no one taught me this in school. Even if you studied economics at school, you didn't know how real world economy worked.

即使在大学修过金融，也未必知道如何创业经营。现实并非如此运作。所以请放下压力，让今天成为你改变金钱思维模式的起点，重塑你与金钱的关系——这才是我最想聚焦的核心。

Even if you studied finance at university, you didn't necessarily know how to start and run a business. It doesn't work that way. So I want you to take the pressure off and I want this to be the start of you changing your money mindset. I want this to be the beginning of transforming your relationship with money. I think that's the main thing I wanna focus on here.

当前你与金钱的关系是回避型的。爱情中有三种依恋模式：安全型、焦虑型、回避型。我认为这三种模式同样适用于我们与金钱的关系：要么能坦然谈论金钱及其意义——

Currently, you have an avoidant relationship with money. There are three types of attachment styles in love. Secure, anxious, and avoidant. And I believe that those three attachment styles are also our attachment styles with money. We either feel secure talking about money and what it is.

我们在谈论金钱、收入、储蓄和支出时感到焦虑，或者干脆完全回避。你是哪一种？如果我现在问你，你在谈论金钱、听别人谈论金钱、查看银行账单、审视预算和储蓄时，是否感到安心？还是会焦虑？你可能在做这些事情，但实际上内心潜藏着一种焦虑感。

We feel anxious talking about money and how much we make, save, and spend, or we avoid it all together. Which one are you? If I asked you right now, do you feel secure talking about money, listening about money, looking at your bank statements, looking at your budgeting and saving? Do you feel anxious? So you might do those things, but actually there's this underlying anxiety.

我的钱不够用。我将来也会不够用。我不喜欢这一切。这让人压力很大。然后就会产生回避心理。

I don't have enough. I'm not gonna have enough. I don't like all of this. This is stressful. And then there's avoidance.

我完全不去看它。我一点概念都没有。我们希望将我们与金钱的关系转变为安全型。我不是说我们必须过度自信。也不是说你必须成为百万富翁。

I don't look at it at all. I have no idea. We want to transform our relationship with money to be secure. I'm not saying we have to be overly confident. I'm not saying you have to become a millionaire.

我不是说你必须拥有丰盛心态。我只是希望你在谈论金钱、听到金钱相关话题和学习理财知识时感到安心和安全。我们都曾被灌输过一个迷思。我相信你以前也听过：金钱是万恶之源。

I'm not saying that you've got to have an abundance mindset. I just want you to feel safe and secure talking about money, hearing about money and learning about money. We've all been taught this myth. I'm sure you've heard it before. Money is the root of all evil.

你知道这真正有趣的地方是什么吗？当你去查证原始出处时，实际的引述是‘贪财是万恶之根’。注意这有多大的不同。并不是说金钱是万恶之源，而是贪财才是万恶之根。

You know what's really interesting about that? When you actually check the actual reference, the actual quote is the love of money is the root of all evil. Notice how different that is. It's not that money is the root of all evil. It's the love of money that's the root of all evil.

是那种痴迷。是那种欲望。是对金钱的贪婪才是万恶之源。但金钱本身是一种能量。金钱是一种资源。

It's the obsession. It's the lust. It's the greed after it that's the root of all evil. But money itself is energy. Money is a resource.

金钱是一种普遍的力量。金钱是一种通货。但当我们陷入认为它是坏的、消极的这种信念时，我们与它的关系就会变得焦虑和回避，我们觉得这是不健康的。我们被告诫的不是不要去掌控我们的金钱，而是不要爱上它，并认为它是一切的主宰和终点。

Money is a universal power. Money is a currency. But when we get lost in this belief that it's bad, it's negative, our relationship with it becomes anxious and avoidant when we feel it's unhealthy. We're not being told to not master our money. We're just being told not to fall in love with it and think it's the be all and end all of everything.

这就是将我们与金钱的关系从回避型、焦虑型转变为安全型的开始。让我们深入探讨。第一，你不是收入问题，你是决策问题。大多数20多岁的人认为，等他们能赚更多钱时，就会更擅长理财。

That's the beginning of transforming our relationship from avoidant to anxious to secure. Let's dive in. Number one, you don't have an income problem. You have a decision problem. Most 20 year olds think they'll be better with money once they can earn more.

我相信你也说过这样的话：等我有更多钱时，我就会更善于处理它。现在，我甚至没有足够的钱去考虑它。但科学表明，预测你财务健康状况的是你的掌控感，而不是你的薪水。拥有内控点的人，即那些相信自己能影响结果的人，更可能做预算、储蓄并从财务压力中恢复过来。

I'm sure you've said this as well. When I have more money, I'll be better at dealing with it. Right now, don't have enough to even think about it. But science shows that your sense of control, not your salary, predicts your financial well-being. People with an internal locus of control who believe they influence their outcomes are more likely to budget, save and bounce back from financial stress.

吉姆·罗恩有一句我最喜欢的话，他说：‘正规教育能让你维持生计，自我教育则能为你创造财富。’但这里的要点是：当你开始为自己的财务习惯承担责任的那一刻，即使你一贫如洗，也就是你开始积累财富的时刻。这是一个行动建议。

One of my favorite quotes from Jim Rohn is he said, formal education will make you a living. Self education will make you a fortune. But here's the takeaway. The moment you take responsibility for your financial habits, even if you're broke, is the moment you start building wealth. Here's an action.

列出你今天可以做出的三个与金钱相关的决定，即使你的收入很低。你可以设置一个免费的预算应用程序。你可以取消一个不必要的订阅。你可以转5英镑到储蓄账户，或者5美元，即使感觉很少。不要回避谈论金钱。

List three money related decisions you can make today, even if your income is low. You could set up a free budgeting app. You could cancel one unnecessary subscription. You could transfer £5 to savings or $5 even if it feels small. Don't avoid talking about money.

不要回避与人谈论金钱。不要为了显得合群而装穷。不要因为怕别人不舒服而过分收敛。不要在你因缺钱而挣扎时假装不在乎财富。不要诋毁雄心壮志，却又嫉妒别人的成果。

Don't avoid talking to people about money. Don't act broke to stay relatable. Don't play so small so no one feels uncomfortable. Don't pretend you don't care about wealth when you're struggling without it. Don't shame ambition, then envy the results.

不要等到变富了才学习如何管理财富。不要隐藏你的财务目标。要像它们已经属于你一样说出来。不要对金钱保持沉默，却期望你与它的关系会改善。这就像不和你的伴侣交流却想保持爱情一样。

Don't wait to get rich before learning how to manage it. Don't hide your financial goals. Speak them like they already belong to you. Don't stay silent about money and expect your relationship with it to improve. It's like not talking to your partner and wanting to stay in love.

想象一下，如果你从不谈论爱情，从不谈论你们的关系，从不谈论联系或亲密。你们的关系会多好？会有多健康？那些相信自己能掌控命运、能改变现实、能控制自己财务习惯的人将会看到改变。我希望你认识到这一点。

Imagine if you never talked about love, you never talked about your relationship, you never talked about connection or intimacy. How good would your relationship be? How healthy would it be? People who believe that they can control their destiny, that they can change their reality, that they take control of their financial habits will see change. I want you to recognize that.

你不会因为避免查看银行对账单而对你的财务状况感觉更好。只有当你真正面对它时，你才会对财务状况感觉更好。第二，你看不到的钱就存不下来。这是一个心理学原理。我们会花掉我们心理上标记为可用的钱。

You won't feel better about your financial situation because you avoid looking at your bank statement. You'll only feel better about your financial situation when you actually turn towards it. Number two, you won't save what you don't see. This is a psychological principle. We spend what we mentally label as available.

如果你的薪水到账后就放在那里，你的大脑会认为它是可花费的。这就是为什么自动化和分离比自律更强大。我们想，哦，这个月我会自律的。我会少花点钱。但不，如果没有自动化和资金分配的分离，你会打破你的自律。

If your paycheck hits your account and sits there, your brain sees it as spendable. This is why automation and separation are more powerful than discipline. We think, oh, I'll be disciplined this month. I'll spend less. But no, if there's no automation and separation of how that money is divided, you will break your discipline.

心理账户有助于减少你想要的和你所做的之间的摩擦。有一句我很喜欢的精彩引述。它说，不要花完后再存钱，而要存完后再花钱。这是沃伦·巴菲特说的，是我最喜欢的引述之一。不要花完后再存钱，而要存完后再花钱。

Mental accounting helps reduce friction between what you want and what you do. There's an amazing quote I love. It says, do not save what is left after spending, but spend what is left after saving. That's from Warren Buffett, one of my favorite quotes. Don't save what is left after spending, but spend what is left after saving.

你需要创建一个自动储蓄机制，然后花剩下的钱。你不想处于这样一种境地：你活期账户里只有这么多钱，然后想着，好吧，这个月我试着存一点。然后到了月底，你看着账户，又回到了零。你必须记住，你的大脑是懒惰的，但可以编程。让储蓄变得不可见。

You want to create an automatic save and then spend what is left over. You don't wanna be in a position where you just have this amount in your current account and you're thinking, okay, I'm gonna try and save some of it this month. And then at the end of month, you're looking at it and you're back at zero. You've got to remember this, your brain is lazy, but programmable. Make savings invisible.

今天就去开第二个账户，自动化地将每笔薪水的10%、20%，或者你能做到的任意比例，哪怕是10美元，直接转到那里，并把它标记为自由基金。把它标记为你的自由基金。给它起个名字。给它一些令人兴奋的东西。不要只叫它储蓄，因为即使‘储蓄’这个词有时也会让人觉得无聊，有点，你知道，不令人兴奋，或者看着里面有很多钱的储蓄账户可能会感到害怕，但‘自由基金’则不同。

Open a second account today, automate 10%, 20%, whatever you can do of every paycheck, even if it's $10 to go straight there and label it freedom fund. Label it your freedom fund. Give it a name. Give it something exciting. Don't just call it savings because even the word savings sometimes can feel boring and kind of, you know, unenthusing or it can feel scary to look at a savings account with much in it, but a freedom fund.

任何能激励你的东西。让它自动化并分离出来。不要只赚钱。要学会留住钱。不要为了看起来富有而花钱。

Whatever inspires you. Make it automated and make it separated. Don't just make money. Learn to keep it. Don't spend to look rich.

储蓄以保持自由。别让每份薪水像你不重要一样从你指缝溜走。别把生活方式与财富混为一谈。别现在买舒适，将来借压力。别认为储蓄很无聊。

Save to stay free. Don't let every paycheck pass through you like you don't matter. Don't confuse lifestyle with wealth. Don't buy comfort now and borrow stress later. Don't think saving is boring.

在这个想让你破产的世界里，储蓄是最叛逆的事。别等到赚更多才开始。现在就储蓄，让未来的你有选择权。别把储蓄当作惩罚，把它当作自尊。

It's the most rebellious thing in a world that wants you broke. Don't wait until you make more. Save now so future you has options. Don't treat saving like a punishment. Treat it like self respect.

很多我交谈过的人，包括理财专家，都会谈到一个危险：网上人人都在告诉你要投资、投资、再投资。你最终可能在加密货币上亏一大笔钱，也可能在NFT上损失惨重。你不需要参与任何快速致富的计划，你需要专注于建设自己的未来。

A lot of people that I've spoken to finance experts as well will talk about the dangers of how everyone online will tell you invest, invest, invest. You may end up losing a bunch of money on crypto. You may end up losing a bunch of money on NFTs. You don't need to do any of those get rich quick schemes. What you need to focus on is building your future.

第三，买东西不会让你变富，但学习关于它们的知识却可能。大多数人认为钱是用来花的，不是用来学的，但冲动消费引发多巴胺和短期愉悦，而财务素养带来长期收益。研究表明，财务素养较高的人焦虑更少、储蓄更多、生活结果更好。沃伦·巴菲特说过：学得越多，赚得越多。钱是在你的大脑先成长之后才增长的。

Number three, buying things won't make you rich, but learning about them actually might. Most people think money is for spending, not studying, but impulsive buying triggers dopamine and short term pleasure, while financial literacy builds long term gain. Studies show those with higher financial literacy experience lower anxiety, more saving, and better life outcomes. Warren Buffett said, The more you learn, the more you earn. Money grows when your brain grows first.

说到投资，今天花十分钟阅读一个金融概念：复利、通货膨胀、投资。用一次金融洞察替代一次刷屏。在财富之旅的初期，投资自己和你的知识，是远比任何其他资产更好的投资。我向你保证。

Talking about investing, spend ten minutes today reading about a financial concept. Compound interest, inflation, investing. Swap one scroll for one financial insight. Investing in yourself and your knowledge is a far better investment at the beginning of your wealth journey than any other asset. I promise you that.

买东西不会让你变富。取悦别人不会增加你的净资产。穿戴你的薪水不会增长你的储蓄。花得像富人不会让你成为富人。每次你为了感觉更好而购物，都是在出卖未来的安宁。

Buying things won't make you rich. Impressing people won't build your net worth. Wearing your salary won't grow your savings. Spending like you're wealthy won't make you wealthy. Every time you buy to feel better, you're selling off your future peace.

你不需要更多东西，你需要更多策略。目标不是看起来富有，而是停止为钱担忧。现在我不是说我不希望你善待自己。

You don't need more stuff. You need more strategy. The goal isn't to look rich. The goal is to stop worrying about money. Now I'm not saying I don't want you to treat yourself.

我不是说我不喜欢好东西，我也喜欢。我觉得这没什么错。你只是不希望它失衡，不希望每次买东西都感到压力。我刚刚和一个朋友聊到这个。

I'm not saying that I like nice things too. I don't think there's anything wrong with that. You just don't want it to be imbalanced. You don't want it to be that you're stressed every time you buy something. I was talking to a friend about this.

他没上大学，很早就找到了热爱的事情并开始谋生。起初这并没让他赚大钱，但他很快学会了如何不陷入打造生活方式的陷阱，而是如何投资和学习。这就是我想强调的重点：不仅仅是投资。

He didn't go to university. He found something that he loved early on in life and started making a living. Now in the beginning, it didn't make him loads of money, but he learned very quickly how to not get wrapped up in building a lifestyle and actually how to invest it and learn about it. And that's the point I really wanna bring about here. It's not just investing.

在投资之前，有一个学习的过程。好吧。是房产？是复利？是这个？

Before investing, there's a learning piece. Okay. Is it property? Is it compound? Is it this?

这是借贷吗？还是在摸索中。我觉得现在很多人会说：投资这个吧，因为这是下一个风口；投资那个吧，因为这是下一个爆款。但问题在于，这种跟风投资几乎不需要学习成本。

Is it borrowing? Is it, it's figuring that out. And I think a lot of people today will be like, hey, invest in this because this is the next big thing. Hey, invest in this because this is the next big hit. And the challenge with that is you do something with very low learning.

通常都是巨额投资。我有个朋友对加密货币一窍不通，却把近半积蓄投进去。结果隔周币价暴跌，他亏了1万英镑就慌了神全部抛售。没想到再隔周币价反弹，他反而错失了全部收益。

Usually it's a very big investment. I've got another friend who knew nothing about crypto, put practically 50% of his life savings into it. And then the next week when crypto dropped, he took everything out because he'd lost 10 k and got worried about it. And then the next week it all went up again. And then he'd lost all of it.

这就是盲目投资自己不熟悉领域的后果。另一方面，我有些朋友大学毕业找到好工作，但生活水准提升太快，导致生活开销与收入相互挤压。当生活方式开始吞噬收入时，我们承受的压力会让财富积累变得异常困难。很多时候我们看到别人挥霍，只关注金额而非比例。建议用百分比视角审视生活：多少用于当下消费，多少投资未来。

And it was just this mess of getting involved in things and investing in things that you have very little insight over. At the same time, I've got friends who got great jobs out of university, but their lifestyle changed so much that their lifestyle was competing with their income, right? When your lifestyle is competing with your income, the pressure that we experience, that makes it extremely hard to turn that into future value. A lot of the times we can look at people and think that they're spending lavishly, but we're looking at a number not as a percentage. I would start looking at your life as a percentage of how much you spend on your lifestyle versus how much you spend on your future.

关键不在于绝对金额。有人花1万办婚礼，有人花5万，还有人花百万——重点从来不是具体数字。

It's not about the amount. Someone could spend 10,000 on a wedding. Someone could spend 50,000 on a wedding. Someone could spend a million on a wedding. It's not about the amount they spend.

真正重要的是消费占收入的比例。不要只看表面数字，应该以税后收入为基准，计算生活开销的占比并评估感受。税前税后收入本身就是个值得深入探讨的话题——太多人只关注总收入，却忽视税后实际所得。

It's the percentage of their income that matters about how they spend. And so stop looking at numbers at face value. Start looking at your life as a percentage of what you're walking home with after tax and figuring out how that feels for you. I think the before and after tax is a whole conversation in and of itself. So many of us look at how much we make as a revenue standpoint or as an income standpoint and not looking at what does that look like after tax?

扣除房租还剩多少？还完车贷还能剩多少？我见过太多人开着光鲜的豪车，而车价相当于他们全年收入。当开始计算月供时，这种消费就会带来切肤之痛。

What does that look like after rent? What does that look like after my car bill? Right? I see so many people with really great amazing cars that is their entire salary is the amount that car is worth. All And of a sudden, when you start looking at those payments monthly, it starts getting really painful.

不要为了维持表面光鲜而逃避现实。这种现象就是所谓的'金手铐'——很多人因为习惯某种生活方式，即使厌恶工作也不敢辞职。你必须自问：是否愿意为维持物质生活而终生从事厌恶的工作？

Don't ignore the reality of trying to present your lifestyle in a certain way. I've also find it to be what's known as the golden handcuffs. A lot of people get so used to their lifestyle that they can't quit a job they hate. So you actually hate what you're doing, but you can't stop doing it because it pays for the lifestyle you want. The question you have to ask yourself is, do I want to do something I hate for the rest of my life to pay for things?

如果答案是肯定的也无可厚非。但往往当我们遇到更契合初心的工作机会时，却因收入降低而放弃。我自己就经历过这种抉择：曾有一份稳定的咨询师工作，过得还算不错。

And it's okay if you do, if the answer is yes, that's fine. But oftentimes we get an opportunity to do something closer to our heart, but we don't want to take it because we'd make less. In my own life, I went through that. I had a stable job as a consultant. I was doing okay.

这种'不错'的状态其实很微妙——不算出色但也不差，就是普普通通。后来我选择辞职追求热爱的事业，如今非常感激这个决定，但前提是我必须主动解开那副金手铐。

Okay being very important as part of it. And I wasn't doing well and I wasn't doing badly. Was doing just fine. And I gave that up to pursue my passion. And I'm so grateful for that because I am so thankful that I get to do what I love today, but I had to take off the golden handcuffs.

我放弃了安稳的职业生涯，甘愿接受收入减少，甚至初期零收入的状态。很庆幸自己成功挣脱了束缚。所以别被金手铐禁锢人生。还有更多内容想分享，现在让我们稍事休息进入赞助环节，稍后回来继续。

I had a safe, stable career lined up, but I was willing to make less. I was willing to make nothing at all in the beginning to get it going. And I'm grateful that I was able to put those down. So don't be tied by the golden handcuffs. I have so much more to share with you, but we're just gonna take a short break for our sponsors, and I'll be right back.

大家好，我是杰伊·谢蒂，非常激动地宣布我们将在苹果播客上推出全新的订阅服务。这意味着如果你想要更多关于人生目标、更多灵感、更多工具、更多深度内容，你现在可以选择订阅并解锁来自我们杰出嘉宾的额外内容。别担心，主要节目仍然对所有人免费。但如果你想更深入探索并支持这个节目，这就是为你准备的。只需在苹果播客上点击'免费试用'，加入我们不断壮大的目标驱动型听众社区。

Hey, it's Jay Shetty, and I'm so excited to share we're launching a brand new subscription on Apple Podcasts. That means if you want more on purpose, more inspiration, more tools, more depth, you now have the option to subscribe and unlock bonus content from our incredible guests. And don't worry, the main show is still free for everyone. But if you're someone who wants to go even deeper and support the show, this is for you. Just hit try free on Apple Podcasts and join our growing community of purpose driven listeners.

我迫不及待想让你看看。好了，我们继续。让我们直接回到正题，第四步。

I can't wait for you to check it out. Okay. We're back. Let's dive right back in. Step number four.

债务本身并不邪恶，但无知才是。大多数20多岁的人被教导所有债务都是坏的。其实不是。危险的是不理解它的运作方式以及你陷入的是哪种债务。我们出于恐惧而回避债务教育，然而正是这种回避导致了错误。

Debt isn't evil, but ignorance is. Most 20 are taught that all debt is bad. It's not. What's dangerous is not understanding how it works and what type of debt you're getting into. We avoid debt education out of fear, yet the avoidance is what leads to mistakes.

心理学表明，我们对损失的反应比收益更强烈。因此我们在债务问题上会情绪化地封闭自己。我最喜欢的一句话是：如果你找不到在睡觉时赚钱的方法，你将工作至死。这也是沃伦·巴菲特说的。所以关键在于，你无法打败一个你不理解的系统。

Psychology shows that we react more strongly to losses than gains. So we emotionally shut down around debt. One of my favorite quotes is, if you don't find a way to make money while you sleep, you will work until you die. That's Warren Buffett as well. So the takeaway is you can't beat a system you don't understand.

给你的行动建议：学习基础知识。年利率（APR）、信用评分、利息。选择一项债务，可以是你的学生贷款或信用卡，剖析它的实际运作方式。然后制定一个计划。

Action point for you. Learn the basics. APR, credit score, interest. Pick one debt, could be your student loan, credit card, and break down how it actually works. Then make a plan.

一次只做一件事。不要将债务视为一个大泡沫。学生贷款与信用卡债务不同。去深入理解它，并看看外面有哪些支持资源。第五点，你不是懒惰，你是不堪重负。

Do one thing at a time. Don't just look at debt as this one big bubble. Student loan is different than credit card debt. Go and understand it deeply and see what support there is out there as well. Number five, you're not lazy, you're overwhelmed.

我们责怪自己不擅长理财。但通常这不是懒惰，而是太多未解决的小财务决策耗尽了意志力。科学表明，决策疲劳会导致回避、冲动消费和错失机会。P.T.巴纳姆有句名言：金钱是个可怕的主人，却是优秀的仆人。关键点在这里。

We blame ourselves for being bad with money. But often it's not laziness, it's too many small unresolved financial decisions draining willpower. Science shows that decision fatigue leads to avoidance, impulsive spending, and missed opportunities. PT Barnum famously said, Money is a terrible master, but an excellent servant. Here's the takeaway.

在扩展之前先简化。具体怎么做？为接下来三十天选择一个财务目标，就一个，并且只跟踪这个目标。不必一次性解决所有问题。记住，你不是不擅长理财。

Simplify before you scale. What does that look like in action? Pick one financial goal for the next thirty days, just one, and track only that. No pressure to fix everything at once. And remember, you're not bad with money.

你只是从未被教导如何运用它。你被教导如何赚钱，而不是如何增值；你被教导如何花钱，而不是如何投资；你被教导去追逐金钱，而不是让金钱为你工作。你学的是生存，而不是投资。

You were just never taught how to use it. You were taught how to earn it, not how to grow it. You were taught how to spend it, but not how to invest it. You were taught to chase it, not how to make it work for you. You weren't taught about investing, only about surviving.

你学会了有钱时感到内疚，没钱时感到羞愧。你继承的是压力，而不是策略。不知道不是你的错，但学习是现在你手中的力量。第六点，你的金钱观念不是你的，它们是继承来的。这源自布拉德·克隆斯的认知脚本和金钱原型心理学原理。

You learned to feel guilty when you had money and ashamed when you didn't. You inherited stress, not strategy. And it's not your fault you didn't know, but it's your power to learn now. Number six, your money beliefs aren't yours, they're inherited. This is from a psych principle of cognitive scripts and money archetypes by Brad Klonce.

我们没有意识到的是，我们从小到大都在吸收关于金钱的信息。也许在你家里，人们总说赚钱很难。富人都是贪婪的。或者我们从不谈论财务。这些潜意识的脚本驱动着你的习惯，直到你重写它们。

What we don't realize is we grow up absorbing money messages. Maybe in your house, people always said money's hard to make. Rich people are greedy. Or we don't talk about finances. These unconscious scripts drive your habits until you rewrite them.

蒂哈尔·维卡说过，你的金钱蓝图不是一成不变的。你可以改变它们。所以关键点是：除非你挑战自己的编程，否则你无法改变未来。写下你成长过程中听到的三个金钱信念。

Tihar Vecca said, your money blueprints are not set in stone. You can change them. So here's the takeaway. You can't change your future until you challenge your programming. Write down three money beliefs you heard growing up.

你父母说过什么？你的家人说过什么？围绕金钱的论调是什么？然后问自己：这些信念现在还对我有用吗？然后重写其中一个。

What were the things your parents said? What were the things your family members said? What were the what was the rhetoric around money? And ask yourself, do these still serve me? Then rewrite one.

不要说金钱是自私的，改写为金钱是慷慨的燃料。注意其中的区别。你可以改变与金钱的关系。你可以停止出于恐惧追逐金钱，开始基于智慧积累财富。你可以停止用金钱来炫耀，开始用金钱来投资。

Instead of saying money is selfish, write money is fuel for generosity. Notice the difference. You can change your relationship with money. You can stop chasing it out of fear and start building it from wisdom. You can stop using it to impress and start using it to invest.

你可以停止躲避银行账户，开始掌控每一个数字。你可以停止说'我不擅长理财'，开始像你的未来取决于此一样学习。因为它确实如此。你可以重写你从小被灌输的金钱故事。你可以用清晰取代愧疚。

You can stop hiding from your bank account and start owning every number. You can stop saying I'm bad with money and start learning like your future depends on it. Because it does. You can rewrite the money stories you were raised on. You can replace guilt with clarity.

你可以用策略取代羞耻，用意图取代匮乏。重要的不是你拥有多少，而是你如何对待它。而你对待金钱的方式决定了它是留下还是离开。想想一个伴侣。

You can replace shame with strategy, scarcity with intention. It's not about how much you have. It's about how you treat it. And how you treat money determines whether it stays or leaves. Think about a partner.

如果你不尊重伴侣，他们会留下吗？如果你不对伴侣投资，他们会留下吗？如果你不了解伴侣，他们会留下吗？如果你回避伴侣，他们会留下吗？不会。

Is your partner gonna stay if you don't respect them? Is your partner going to stay if you don't invest in them? Is your partner going to stay if you don't learn about them? Is your partner going to stay if you avoid them? No.

金钱完全一样。但为什么我们对待它的方式如此不同？这是因为我们从小建立的这些叙事。我在一个总是刚刚够用的家庭长大，这意味着我成长过程中经常看到银行账户余额为零。我从14岁就开始工作。

Money is exactly the same. But why do we treat it so differently? It's because of these narratives that we built up since we were kids. I grew up in a house where we always had just enough, which meant I looked at my bank account growing up with zero in it a lot. I started working when I was 14.

我支付了第一笔电话费，支付了汽车和汽车保险。我很早就开始为各种东西买单，但幸运的是我住在父母家，所以不用付房租。但我开始学习金钱的价值，我记得成长过程中看着银行余额总是零，因为我的金钱心态是'我只需要刚刚够'。我会说我只需要刚刚够的氧气吗？想象你把未来三个月的所有氧气装在一个袋子里，然后说：好吧，我只有三个月，但我刚好够用三个月。

I paid for my first phone bill, paid for my car, my car insurance. I started paying for things very, early in life, but I was lucky to live at my parents, so I wasn't paying for rent. But I started learning the value of money, I remember growing up just looking at my bank balance and seeing zero because my money mindset was I need just enough. Would I ever say I need just enough oxygen? Imagine you had all the oxygen for the next three months in a bag, and you were like, alright, I've only got three months, but I've got just enough for three months.

你不会那样做。你会说：天啊，我需要想办法获得更多氧气，或者我需要有更多可用的氧气。我不能那样生活。金钱和氧气在这一点上非常相似。顺便说一句，我曾经就是那样。

You wouldn't do that. You'd be like, god, I need to figure out how to get more oxygen, or I to have more available oxygen. I can't live like that. Money and oxygen are very similar like that. And by the way, I've been there.

我距离破产只有不到四个月的时间。我深知那种靠薪水度日、仅够支付房租和杂货的感觉。经历过这些后，我明白当时充满了恐惧和压力。这都是因为我一直在逃避关于金钱的对话。

I've been nearly four months away from being broke. I know what it feels like to be living paycheck to paycheck with only enough money for rent and groceries. Having been there, what I know is that there was a lot of fear. There was a lot of stress. It was because I was avoiding conversations about money.

我逃避审视资金的去向。钱只是进进出出，而我从未仔细分析。如果你不清楚存了多少、账单支出了多少，如果你不进行预算，不从根本上审视这些，你将永远活在恐惧中。我不希望你继续害怕。第七点：慷慨会倍增财富，而非消耗它。

I was avoiding looking at where the money was going. It was just coming in and going out and I wasn't breaking it down. If you're not aware of how much is being saved, how much is going for bills, you're if not budgeting, if you're not taking a look at this at a very basic level, you will always be scared. I don't want you to be scared anymore. Number seven, generosity multiplies wealth, not drains it.

我们在压力下被教导要囤积金钱，但心理学表明，有意识的慷慨能提升幸福感、长期财富心态甚至动力。即使是小额捐赠的人也会更乐观、更高效。过去几年我很幸运能领导一些募捐活动，疫情期间我们为Give India在线筹款，看到那么多人参与真是令人惊叹。正是因为像你们这样捐出5美元、10美元的人，我们才能在24小时内筹集超过500万美元。

We're taught to hoard money when stressed, but psychology shows that intentional generosity improves well-being, long term wealth mindset, and even motivation. People who give even small amounts are more optimistic and productive. One of the things I love to see is I've been very fortunate over the last few years to lead some fundraisers. We led one online during the pandemic for Give India and it was phenomenal to see so many of you jump in. And it was because of people like yourself who jumped in at $5.10 dollars that we were able to raise over $5,000,000 in twenty four hours.

人们常想，我的5美元或10美元能做什么？我向你保证，它确实能带来改变，因为我们需要的正是大量人小额捐赠。这种伟大的给予行为将我们联系在一起，我亲眼见证了这一点。记得我们有一次直播筹款，有大 donors 匹配捐款，像Ray Dalio这样的朋友也来捐了一百万美元匹配我们的努力。

People often think, what will my $5 do? What will my $10 do? I promise you it makes a difference because what we need is a lot of people who give a little. That great giving that happens connects us and I saw that in action. I remember we did this live broadcast where we were raising money, we had big donors who were matching it, I had friends like Ray Dalio come in and give a million dollars to match whatever we were doing.

海外侨胞也匹配了我们的筹款额，但正是你们筹集了数百万美元，才吸引了这些 donors 的匹配。这才创造了那种美好的给予感。我常想，如果我拥有更多，我就能给予更多。这是一种美好的心态，也正是金钱的意义所在。

We had in diaspora who are matching whatever we made as well, but it was you who raised millions of dollars that then were matched by these other donors. And that's what created this beautiful feeling of giving. And one of the things I think about is if I have more, I have more to give. It's a beautiful mindset to have. And that's what it is.

拥有更多的人有责任给予更多。这就是金钱存在的目的。所以你不必贪婪。有一句我听过很多次的名言：金钱只会让你更成为你自己。

It's the responsibility of those who have more to give more. That's what it's there for. And so you don't have to be greedy. There's a famous quote that I've heard many, many times. And it says, money just makes you more of who you are.

对吧？它只是放大你原本的样子。很多人害怕变得富有，因为担心这会改变我们的内心。但我在这里告诉你，它只会让你更成为你自己。如果你是个慷慨的人，有了更多钱，你只会更慷慨。

Right? It just amplifies who you were in the first place. A lot of us are scared to become wealthy because we're scared it might change our hearts. I'm here to tell you that it will only make you more of who you are. If you're a generous person, if you have more money, you'll just be more generous.

如果你是个贪婪、心胸狭窄的人，它只会让你更甚。所以不要觉得它会改变你。它不必改变你。Drake有一句我喜欢的歌词：我喜欢金钱带来改变，但不让人变质。我认为我们应该从这个角度出发：如何用金钱改变我们自己、我们所爱的人乃至更广泛人群的生活。

If you're a greedy, small minded person, it will just make you more of that. And so don't feel like it will change you. It doesn't have to change you. There's a famous Drake lyric that I love where he said, I like when money makes a difference, but doesn't make you different. And that's what I think we have to approach it from is how can we use money to make a difference in our lives, the people that we love and people beyond.

这就是今天的要点。我想留给你的行动是：本周给予一些小东西——5英镑、你的时间、一次推荐或一项技能，这些都是给予。观察当金钱也服务于他人时，你对金钱的能量如何转变。这是我的最后一点思考。

So that's the takeaway. And here's the action I wanna leave you with here. Give something small this week, £5, your time, a referral or a skill, all of that is giving. Watch how your energy towards money shifts when it serves others as well. Here's my final thought.

金钱不仅仅是数字。它是情感、能量、身份。在20岁时，积累财富为时不晚。

Money isn't just numbers. It's emotion. It's energy. It's identity. At 20, you're not too young to build wealth.

你完全来得及用智慧来构建它。今天就从这些转变中的一个开始，记住，最富有的人并不总是赚钱最多的，而是那些与金钱建立了最佳关系的人。告诉我哪些内容引起了你的共鸣，哪些与你产生了连接。我很乐意制作更多关于我们财务健康和福祉的节目。

You're early enough to build it with wisdom. Start with just one of these shifts today and remember, the wealthiest people aren't always the ones who made the most money. They're the ones who built the best relationship with money. Let me know what resonated with you, what connected with you. I'd love to do more episodes about our financial health and well-being.

我总是从能量的角度来探讨这个问题。节目中有一些出色的专家会给你更战术性、更实用、更具体的关于如何管理金钱的见解。一定要去听听那些节目。我们有从Cody Sanchez到Jaspreet等众多嘉宾。不要错过那些关于财务福祉的节目。

I'm always approaching it from an energetic standpoint. I have some amazing experts on the show giving you much more tactical, practical, specific insights on what to do with your money. Make sure you go and check out those episodes. We've had everyone from Cody Sanchez to Jaspreet to many, many more. Do not miss those episodes on financial well-being.

很快再见。如果你喜欢这期节目，你也会喜欢我对查尔斯·杜希格的采访，内容关于如何破解你的大脑、轻松改变任何习惯，以及做出更好决策的秘诀。

I'll see you very soon. If you love this episode, you will also love my interview with Charles Duhigg on how to hack your brain, change any habit effortlessly, and the secret to making better decisions.

看，我犹豫是因为害怕做出选择，害怕去做这项工作？还是因为我坐在这里是因为感觉还不太对劲？

Look, am I hesitating on this because I'm scared of making the choice because I'm scared of doing the work? Or am I sitting with this because it just doesn't feel right yet?

这是一个iHeart播客。

This is an iHeart podcast.