贾斯普里特·辛格：为什么大多数人一直穷困（遵循这个7步系统，终于摆脱月光生活！）

第四，他们知道很多人不会按时还清，于是会加上百分之十五、二十甚至二十五的利息，这让他们变得更富有，因此你根本不该以0%的年利率融资购买任何东西。

And then number four, they know that a lot of people are not going to pay it off in time, and now they're going to slap on that fifteen, twenty, 25% interest, which then makes them even wealthier, which is why you should not be financing things even at 0% APR.

如果一件事不能为你赚钱，就不要融资购买。

If it doesn't put money in your pocket, do not finance it.

唯一的例外是你居住的房子。

The only exception is the house that you live in.

根据第五条原则，如果你买不起五件，就买不起一件，尤其是奢侈品。

And then, by rule of five, if you can't buy five of them, you can't afford one of them, especially for luxuries.

这是个好准则。

That's a good rule.

如果你想买一块价值一千美元的高档手表，那你最好有五千美元。

So you wanna buy a nice $1,000 watch, you better have $5,000.

可支配收入。

Of disposable income.

额外的钱。

Of extra money.

是的

Yeah.

现在我们可以进入下一步了，那就是如何赚更多的钱？

Now we can get into the next step, which is how do you earn more money?

这是第六步。

This is step number six.

因为现在我们已经知道如何为自己的钱建立一个系统。

Because now we know how to create a system with your money.

我知道我会按照75%、15%、10%的比例来分配。

You know that I'm gonna do 75, fifteen, ten.

我知道该怎么花我的钱。

I know how to spend my money.

现在让我来赚更多的钱，而这一点让很多人想不通，因为他们以为：我只需要多赚点钱就行了。

Now let me earn more money, and this is the part that many people get flipped because they assumed, I just need to make some more money.

但如果你在不知道如何处理钱的情况下赚了更多钱，你只会赚得更多，然后让别人因为你乱花钱而变得富有。

Well, if you make more money without knowing what to do with that money, you make more money, and then you make other people rich with it because you just go and spend it.

现在，对你来说，重要的是要弄清楚如何赚更多的钱。

This is where now it is important for you to figure out how can you earn more money.

也许你可以向雇主申请加薪，也许你可以找一份兼职，也许你可以创业，也许你可以学习如何利用人工智能。

Maybe you ask for a raise at your job, maybe you get a second job, maybe you create your own business, maybe you learn how to utilize artificial intelligence.

你要找到赚钱的方法，但同时继续遵循这套体系——75、15、10，关键在于，随着你赚的钱越来越多，你要持续投入更多资金，因为这才是让你致富的关键。

You find ways to earn more money, but you keep following that system, the 70 fivefifteen ten, ten, and that's the key, as you earn more money, you keep investing more money, because that's what's going to make you wealthy.

最后，在顶层，第七步，是你要保护自己的资产。

And then finally, at the top, step number seven, is you have to protect your assets.

这包含两个方面。

There's two parts to this.

第一，你需要了解法律层面的知识。

Number one is you've to understand the legal side.

这意味着要理解税务问题，因为税收可能是你最大的支出之一。

That means understanding taxes, because taxes can be one of the biggest expenses that you have to pay.

你必须懂得如何传承财富，如何为自己筑起防护屏障，因为当人们知道你有钱时，他们会想方设法分走一部分。

You have to understand how do you pass this wealth down, how do you put shields around you because when people realize you have money, they're going to want some of it for themselves.

这也意味着你该如何回馈社会？

And this also means how do you give back?

你该如何帮助他人？

How do you help others?

你将如何为自己和家人留下遗产？

How are you going to leave a legacy for yourself and your family?

这便是财富规划了。

That's now wealth planning.

因此，我们谈到了这七个步骤的完整进程，但首先是从心态层面理解正确的思维模式。

And so, we talked about now kind of the whole progression of these seven steps, but it starts with that mental side of understanding the mindset.

然后你必须理解金钱的规则框架。

Then you've got to understand the framework of the rules of money.

接着从基础开始：存下2000美元，还清信用卡债务，然后为你自己的金钱建立一套体系。

Then we start with the basics of saving the $2,000 paying off credit card debt, then you build a system for your money.

从那里开始，一旦你建立了体系，就必须学会以正确的方式花钱，然后学习以正确的方式赚更多钱，接着学会管理、增长和传承你的财富。

From there, once you have the system, have to know how to spend your money the right way, then you have to learn how to earn more money the right way, then you learn how to manage your wealth, grow your wealth, and pass on your wealth.

是的，这确实是一个非常出色的体系。

Yeah, that is a really brilliant system.

我的意思是，这真是一堂大师课，因为

I mean that's a master class truly because

我称之为通往财富的攀登。

I call it the climb to wealth.

是的，这太棒了，我很喜欢它从心态开始，然后转向金钱的实际操作，因为如果你只教实际内容而人们没有正确的心态，你就会犯错，把钱用在错误的地方。

Yeah, it's brilliant, it's so great, and I love that it goes from, I love that you start with the mindset and then switch into the practicals of money because if you taught all the practical stuff and people didn't have the mindset, you'll make mistakes and you'll actually put your money in the wrong places.

如果你只有哲学和心态，却没有实际操作，那也就只是一个美好的想法。

And if you only have the philosophy and the mindset and don't have the practicals, well then it's just a nice idea.

你好。

Hey there.

这是医生。

This is Doctor.

杰西·米尔斯博士，加州大学洛杉矶分校健康中心男性诊所主任，也是《Mailroom》播客的主持人。

Jesse Mills, director of the Men's Clinic at UCLA Health and host of the Mailroom podcast.

每年一月，各地的男性都会做出同样的新年决心。

Each January, guys everywhere make the same resolutions.

变得更强壮，更努力工作，修复那些破损的东西。

Get stronger, work harder, fix what's broken.

但如果真正的工作根本不是身体上的呢？

But what if the real work isn't physical at all?

为了迎接新的一年，我与史蒂夫·波尔特医生进行了交谈。

To kick off the new year, I sat down with Doctor.

史蒂夫·波尔特是一位心理学家，拥有三十多年经验，帮助男性梳理他们从未被教会命名的羞耻、焦虑和情感痛苦。

Steve Poulter, a psychologist with over thirty years experience helping men unpack shame, anxiety, and emotional pain they were never taught to name.

在一场富有力量的两部分对话中，我们探讨了为什么男性并非情感上坚不可摧，为什么羞耻感总是藏在明处，以及真正的力量源于倾听自己和他人。

In a powerful two part conversation, we discussed why men aren't emotionally bulletproof, why shame hides in plain sight, and how real strength comes from listening to yourself and to others.

那些有毒的男性，往往不成熟，或者有一些未解决的问题。

Guys who are toxic, they're immature, or they've got something they just haven't resolved.

一旦这些问题得到解决，同理心和同情心就会随之而来。

Once that gets resolved, then there comes empathy and some compassion.

如果你希望今年不再硬撑痛苦，而是开始理解痛苦背后的真正原因，请在 iHeartRadio 应用、Apple 播客或你常用的播客平台收听《邮件室》。

If you want this to be the year you stop powering through pain and start understanding what's underneath, listen to The Mail Room on the iHeartRadio app, Apple Podcasts, or wherever you get your favorite shows.

你好。

Hi.

我是医生。

I'm Doctor.

普里扬卡·瓦利。

Priyanka Wally.

我是哈里克·恩达沃古鲁。

And I'm Harikh Ndavoglu.

新的一年到了，在播客《健康那些事》中，我们重新思考如何谈论健康。

It's a new year, and on the podcast Health Stuff, we're resetting the way we talk about our health.

这意味着坦诚面对我们所知道的、不知道的，

Which means being honest about what we know, what we don't know,

以及这一切可能有多么混乱。

and how messy it can all be.

我喜欢晚睡晚起。

I like to sleep in late and sleep early.

这种作息有对应的生物钟类型吗，还是我只是抑郁了？

Is there a chronotype for that, or am I just depressed?

我们会采访专家，分享真实的经历和见解。

We talk to experts who share real experiences and insight.

你真正需要做的，是找到自己能够产生影响的地方，然后就开始行动。

You just really need to find where it is that you can have an impact in your own life and just start doing that.

我们会拆解你想要深入了解的话题。

We break down the topics you want to know more about.

睡眠、压力、心理健康，以及

Sleep, stress, mental health, and

我们周围的世界如何影响我们的整体健康。

how the world around us affects our overall health.

我们会探讨所有保持身心内外健康的方法。

We talk about all the ways to keep your body and mind inside and out healthy.

我们人类，都需要连接。

We human beings, all connection.

我们只是渴望彼此相连。

We just wanna connect with each other.

健康话题关乎学习、欢笑，以及感到不那么孤单。

Health stuff is about learning, laughing, and feeling a little less alone.

请在iHeartRadio应用、Apple播客或您收听播客的任何平台收听。

Listen on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

新的一年并不意味着抹去过去的你。

A new year doesn't mean erasing who you were.

它意味着尊重你所经历的磨难，并选择你希望如何成长。

It means honoring what you've survived and choosing how you want to grow.

它意味着允许自己感受那些一直压抑的情绪，并知道寻求帮助是完全可以的。

It means giving ourselves permission to feel what we've been holding and knowing that it's okay to ask for help.

我是迈克·德拉罗查，《神圣课程》的主持人。

I'm Mike Della Rocha, host of Sacred Lessons.

这个播客为男性提供了一个开放讨论心理健康、悲伤、人际关系以及我们继承但不必重复的模式的空间。

This podcast is a space for men to talk openly about mental health, grief, relationships, and the patterns we inherit, but don't have to repeat.

在这里，我们放慢脚步，认真倾听，学习如何将脆弱转化为力量，明白疗愈发生在社群之中，而非孤立无援。

Here, we slow down, we listen, we learn how vulnerability becomes strength, and how healing happens in community, not in isolation.

如果你准备好放下不再服务于你的东西，以清晰、慈悲和目标感迎接新的一年，那么《神圣课程》将是您疗愈之路上的伙伴。

If you're ready to let go of what no longer serves you and step into the year with clarity, compassion, and purpose, Sacred Lessons is your companion on your healing journey.

在全美排名第一的播客网络iHeart上收听迈克·德拉罗查的《神圣课程》。

Listen to Sacred Lessons with Mike Della Roccia on America's number one podcast network, iHeart.

关注迈克·德拉罗查的《神圣课程》，立即在免费的iHeart广播应用上开始收听。

Follow sacred lessons with Mike Dellarocha and start listening on the free iHeart radio app today.

我现在脑海里最大的问题是，对于任何像贾斯皮特这样的人——我正在赚5万美元，我正在赚3万美元，我现在就想赚更多钱。

The big question that comes to my mind right now is for anyone who's like Jaspreet, I'm making that $50,000 I'm making that $30,000 I want to make more money right now.

在今天这个年代，我能以最快、最有效、最现实的方式赚更多钱的方法是什么，以便我能拥有更多的75.15美元，分成10份，最终进行更多投资？

What is the fastest, most effective, realistic way I can make more money today so that I have more of this $75.15, 10 split to ultimately invest more?

在这个时代，你建议我该怎么做

What do you recommend I do in this day and age right

现在？

now?

嘿，我能也推荐一下你不该做什么吗？

Hey, can I recommend what you shouldn't do too?

是的。

Yeah.

我经常谈论投资，这是我的重点，即你如何处理这些钱的财务方面。

So I talk about investing a lot, that is my focus, is the financial side of what do you do with that money.

实际上，我刚刚和一个人聊过这个话题，很多人陷入财务困境时，不管是什么原因，可能你有债务、开支，处于资金紧张的状态。

And so, I was actually just doing a conversation with somebody about this, where a lot of people who end up in a tough financial situation, whatever it might be, maybe you have debts, you have expenses, you're in a situation where money is tight.

你会上网，然后开始听到一个叫被动收入的话题。

You go onto the internet, and now you start to hear about this topic called passive income.

于是你心想，哇，如果我能有一些被动收入，就能付清所有账单，再也不用为钱发愁了。

And now you think, wow, if I could just have some more money coming in passively, I could pay all my bills and no longer have to worry about money.

但事实并非如此。

But that's not how it works.

投资以及我所谈论的关于财富增长的一切，都是在你有多余资金、不需要用到这些钱的时候，将它们投入某种投资或资产，让这些资产增值并为你赚取更多钱。

Investing, and everything that I'm talking about when it comes to growing your wealth, is when you have extra money that you don't need, and you throw it into this investment, you throw it into this asset that is going to then grow and make you more money.

这个过程并不快，但如果你做对了，它就会奏效，并能让你致富，这就是它的运作方式。

It is not fast, but if you do it right, it works, and it can make you wealthy, and that's how that works.

你的

Your

你的问题是，一个人怎样才能快速赚到更多钱？

question was, how can somebody start to earn more money fast?

你可以做的第一件事是向老板要求加薪，但不要以大多数人的方式去提，因为大多数人会说：‘老板，我在这里工作很久了，能给我每年多加5000美元、10000美元吗？’

The first thing that you can do, ask your boss for a raise, But don't do it the way most people do it, because what most people will say is, hey boss, I've been working here for a long time, can I get an extra $5,000 a year, $10,000 a year, whatever it might be?

而你的老板很可能回答：‘不行，因为我只是让你做同样的工作。’

And well, what your boss is probably going to say is, no, because I'm going to pay you to do the same thing.

不行。

No.

相反，我希望你能从他们的角度来思考这个问题。

Instead, I want you to think about it from their perspective.

你在工作中赚更多钱的最快方法，是让你的老板赚更多钱。如果你能向他们展示：‘我会让你每年多赚2万美元，你给我多涨1万美元’，他们很可能会答应，因为你为他们创造了更多价值。

The fastest way for you to make more money at your job is to make your boss more money, and if you can show them, hey, I'm going to make you an extra $20,000 a year, you pay me an extra $10,000 a year, now they will probably say yes because you are adding more value to them.

你该如何做到这一点？

How can you do that?

这取决于你的职位，但你要找到一种方式增加价值，然后去对他们说：‘听好了，我要这么做。’

It's going depend on your position, but find a way to add more value and go to them and say, hey, look, here's what I'm going to do.

我会为你带来多少额外的收入。

Here's how much more revenue I'm going to drive.

我会为你赚到多少钱。

Here's how much more money I'm going to make you.

我只是想分得我为你创造的那一部分收益。

I just want a piece of what I'm going to make you.

有些人听到这个想法会说：‘哇，我喜欢这个主意。’

Some people are going to say that and say, wow, I like that idea.

但其他人会说：‘去你的。’

Others are going to say, screw that.

我不希望让我的老板更富有。

I don't wanna make my boss richer.

好吧，那你不妨为自己做点什么。

Okay, then, well, you can try to do something for yourself.

如今，人工智能很可能——不，它就是我们触手可及的最大机遇。

And today, AI is probably not probably, it is the biggest opportunity that we have at our fingertips.

它的增长速度超过了互联网。

It is growing faster than the rate of the internet.

它的增长速度超过了区块链的普及速度，而大多数人认为人工智能就是：怎么去聊天、查便宜茶，或者搜牛油果酱食谱？

It's growing faster than the adoption of blockchain, and most people think that AI is, How do I go on to chat cheapy tea and search guacamole recipes?

但如果你能理解人工智能，你就能走在潮流前面，为许多企业或有钱人解决问题，帮他们理解它、使用它，作为回报，你可以向他们收费。

But if you can understand AI, you can get ahead of the curve and solve a problem for many businesses or people with money, help them understand it, help them use it, and in exchange, you charge them money to do that.

实现这一点的方式有很多。

And there's so many ways to do it.

比如，牙医就有一个痛点：病人不来就诊。

Mean, is going to get into how do you actually make money, how do you build a business, but if you can find a pain point, for example, dentists have a pain point, which is that patients don't show up for their services.

可以利用AI来帮助解决这个痛点。

Well, can use AI to help solve that pain point.

如果你能向这些牙科诊所展示：嘿，让我为你打造一个AI工具，当患者有预约时，它会自动发短信提醒他们，如果无法前来，请点击这个按钮。

What can you do if you can show these dental offices, Hey, let me build you an AI tool that will automatically text your patients when they have an appointment, and it will say, If you can't make it, click this button.

如果他们无法前来并点击了该按钮，你的AI工具就会自动寻找候补名单上的其他人来填补这个空档。

If they can't make it and you click that button, your AI tool will then work to find somebody else who's on the waiting list to come in and fill that slot.

这样一来，你帮助牙科诊所填满了更多时段，减少了空缺，从而赚到了更多钱。

Well, now all of a sudden, you helped that dentist office fill more of the slots, have less vacancies, and make more money.

然后你可以更进一步，在治疗结束后，自动发送一条短信询问：您对我们的服务满意吗？

And then you can take it one step further, after they're done with the procedure, send out an automatic text message saying, did you like your service?

感觉怎么样？

How was it?

如果您满意，请在谷歌上给我们五星评价，这将帮助牙科诊所吸引更多的患者。

If you enjoyed it, give us a five star review on Google, which is going to help drive more patients for the dentist office.

所以问题就在于，人们以为：我只是去教AI，去帮忙。

And so that's the thing, is people assume, I'm just going go teach AI, I'm going to go help.

这太宽泛了。

It's too broad.

要具体一点。

Get specific.

世界上每个企业都应该以某种方式使用人工智能，但大多数人根本不知道它是如何运作的。

Every business in the world should be using AI to some way, shape, Most people have no idea how it works.

如果你有时间，去研究一下。

If you have some time, study it.

去学习。

Learn.

如果你能找出一个痛点，就去为一个人解决它。

And if you can figure out one pain point, go out and solve it for one person.

让这个成为第二个的案例，成为第三个的案例，突然间，你就开始做生意了。

Let that be a testimonial for the second, let that be a testimonial for the third, and now all of a sudden, you're in business.

是的。

Yeah.

我也非常喜欢第一条建议，伦。

I love I love I love the first piece of advice as well, Lun.

我认为有三种人会要求加薪。

I think there's three types of people that ask for a raise.

第一种人就像你所说的，直接要求加薪。

The first person just asks for a raise as you said.

他们会说：‘我能多拿点钱吗？’

They're like, oh, can I get some more money?

然后你会想：你做的还是原来那件事。

And it's like, well, you're doing the same exact thing.

我为什么要给你加薪？

Why would I pay you?

第二种人会向你展示他们过去所做的一切，然后要求加薪。

The second type of person shows you everything they've done in the past and ask for a raise.

对方还是会说：这很好，但你本来就应该做这些。

The person again goes, well that's great but you did that anyway.

是的

Yeah.

第三种人会说：这是我想要做的，这正是你所说的，比如：嘿，我会让你的业绩提升一万倍、两万倍，不管在你的职位上具体是多少。

And then the third type of person goes, this is what I wanna do, which is what you're saying, which is like, hey, here's I'm gonna make you 10,000, 20000% more, whatever it may be in your position.

而第三种人之所以能加薪，是因为作为雇主，你现在是在投资你所期望的、对你有价值的东西，如果它能

And that third type of person is the person who gets the raise because you're now investing as an employer in what you hope is something that's valuable to you if it's a

双赢。

win win.

如果你有一份工作，你必须清楚自己是如何为公司赚钱的。

If you work a job, you have to know how you're making money for your company.

如果你不清楚，这个周末就去弄明白，因为除非你理解自己如何为公司创造收入，否则你只是个可有可无的摆设，我说这话已经很客气了，毕竟我们谈的是人工智能。

If you don't, spend this weekend figuring that out, because unless you understand how you drive revenue for your business, you are just a piece of space, and I say this as nice as possible because we're talking about AI.

人工智能正变得越来越聪明，越来越先进。

AI is getting smarter, it is getting more advanced.

我的意思是，五年前根本不存在ChatGPT。

I mean, ChatTPT did not exist five years ago.

它每天都在变得越来越先进，而且很多人都在谈论人类会被AI取代，这确实是真的，但更大的威胁其实是你被那些懂得如何使用AI的人取代。

It is getting more advanced every single day, and, you know, there's a lot of talk about people being replaced by AI, which is true, but the bigger threat to that is you being replaced by somebody who knows how to use AI.

是的。

Yeah.

所以，如果你不了解自己是如何为公司创造收入的，那么你当前的工作内容和公司对你的期望之间，很可能就存在一个缺失的环节。

And so if you don't understand how you're driving revenue for your business, well, there's a chance that there's a missing link between what you're doing as a job, and what the business needs from what you are there to do.

是的。

Yeah.

而这就是你需要弄清楚的事情。

And that's what you gotta figure out.

甚至在你回答的第二部分，也就是‘你该如何学习使用AI’这个问题上，

And even with your second part of the answer, which is like, how do you learn to use AI for something?

真正重要的是那些从问题出发的人，比如去思考你能帮助解决什么问题。

It is people who start with problems, like trying to figure out a problem that you can help solve.

这才是关键所在。

That is really where it is.

我认为我们常常坐在那里想，我要想出一个非常酷的想法。

I think often we sit there and go, I want to come up with a really cool idea.

是的。

Yeah.

每一个酷的想法之所以酷，是因为它解决了一个好问题。

And it's like every cool idea was only cool because it solved a good problem.

如果它没有解决任何问题，那就不是一个酷的想法。

If it didn't solve a problem, it wasn't a cool idea.

所以，如果你接近某个问题，有时候人们也会想，我想去做我喜欢和热爱的事情，这很好，如果能成功当然很棒，但你的职业道路上其实有一些你非常熟悉的东西。

And so if you are close to a problem, like sometimes people think also, I wanna go do something that I enjoy and love and that's great and wonderful if it works out, but it's like, there's something that you know in your career path.

是的。

Yeah.

因为你对它很熟悉。

Because you're close to it.

我有个朋友，说来有趣，他谈到了牙科，我有个朋友是牙医。

I have a friend, funnily enough, he talked about dentistry, I have a friend who's a dentist.

他之所以更了解牙科行业，是因为多年来他一直身处其中。

He just understands the dental industry better because he's been so close to it for so many years.

是的。

Yeah.

这并不是他的热情所在，也不是他热爱或享受的事情，但他却能为牙科诊所构建解决方案，从而赚到的钱甚至超过当一名牙医。

It's not his passion, it's not what he loves, it's not what he enjoys, but he's been able to build solutions for dental practices that allows him to make more money than even being a dentist.

而且，这又回到了你刚才说的：从你所在的地方开始，从你理解的问题开始。

And again, it comes back down to what you just said, which is start where you are, start where you understand problems.

你不必去学习一个全新的行业并摸索出什么，因为有时候想到‘天啊，我对世界上正在发生的事一无所知’，这种感觉可能会让人不知所措。

You don't have to go and learn some new industry and figure something out because I think that can feel quite overwhelming sometimes to think, God, I don't know anything about what's happening in the world.

你也要了解自己的技能，但我觉得你准确地抓住了问题的核心——当我听你说话时，我不由得笑了，因为我在回顾自己的人生，发现我所有成功的事情，都是因为我试图解决某个问题。

You got to know your skillset as well, but I think you nailed it on the head with that problem side because I looked, as you were talking, was kind of smiling because I was looking back at my life and I was like, everything that I've kind of done sort of successfully was because there was some problem that I was trying to solve.

我第一个所谓的‘ reels ’——我不想说是第一个，但其中一个较早且更成功的生意，是一家电子商务公司。

My first kind of reels I don't want to say first, but one of my earlier, more successful businesses was an ecommerce company.

那是一家卖防水袜的公司。

It was a water resistant sock.

这远远超出了我们正在讨论的范围，但我之所以想到这个点子，是因为我在学校上公共演讲课时，老师布置了一个任务，让我们向全班推销一个产品，就像《鲨鱼坦克》或《龙的巢穴》那样。

It goes so beyond what we're talking about, but I came up with this idea because I was in school, I was in college taking a public speaking class, and they gave us an assignment to pitch a product to the class, kind of like Shark Tank or Dragon's Den.

我拖延了，一直拖着没做，直到有一天上课天下起了雨，我冲进教室时踩进了一个水坑，到教室时老师说：‘今天轮到你展示了。’

I procrastinated, I put it off, and one day it was raining for class, and I ran to class, I stepped in a puddle, I got to class, and the teacher was like, It's your day to present.

我说：‘展示什么？’

I said, Present what?

她说：‘就是那个产品。’

She said, The product.

我说：‘糟了。’

And I said, Oh, crap.

我站在全班面前，心跳加速，袜子还是湿的，于是我开始讲防水袜——因为我在高中时踢过美式足球，天一下雨，脚就湿透了，我讲了运动员会多么喜欢这种袜子，说完坐下后，我想：这主意还挺棒的。

I'm standing in front of class, my heart is beating, my socks are wet, and I started talking about water resistant socks that if you're an athlete, because I used play football in high school, American football, oh man, when it rains, your feet feel soaked, and I started talking about water resistant socks, and how athletes would love it, and I sat down and I was like, that's kind of a cool idea.

我该怎么实现它呢？

How can I do that?

于是我做了一双防水袜，那是我的第一个互联网生意，现在我想起我正在做的事情。

So I created a water resistant sock, and that was my first kind of internet business, and then I think about what I'm doing now.

所以我经营一家名为Briefs Media的公司。

So I run a company called Briefs Media.

我们的主打产品叫Market Briefs，是一份免费的每日简报，这个想法源于新冠疫情时期，经济在一天之内彻底颠倒。

Our flagship product is called Market Briefs, is a free daily newsletter, and that started because during COVID, the economy flipped upside down, like, a matter of a day.

于是我从每周制作三次YouTube视频，增加到每天制作。

And so I went from making YouTube videos, like, three times a week to seven days a week.

当时新闻事件层出不穷，于是我问了我的团队。

And there's a there's there's so much happening in the news that I asked my team.

我说：‘你们能不能每天给我发一份市场动态简报，用最简单的方式呈现，让我能看懂，我不喜欢复杂的术语。’

I said, Hey, can you send me a daily briefing of what's happening in the markets and make it stupid simple so I can understand because I don't like complex jargon.

于是我的团队开始给我发这份简报，我当时就想：不知道其他人会不会也喜欢这个。

And so my team started sending this to me and I was like, I wonder if other people would like this.

所以我偶尔会在我的YouTube频道提到：‘如果你想每天了解市场动态，可以订阅这份简报。’

So I would occasionally mention this on my YouTube channel that, Hey, if you want to get a daily report of what's happening in the markets, you can just join this newsletter.

当时它叫‘少数派思维简报’。

At the time it was called the Minority Mindset Newsletter.

超级有创意，对吧？

Super original, right?

这开始引起关注，人们喜欢上了，我觉得我们真的可以在这方面做点什么。

And that started picking up attention, people started to like it, I was like, We can actually do something with this.

我们当时没有赚到任何钱，但是

We were not making any money, but

我觉得这很有价值，因为我喜欢读这份简报，而且我不喜欢传统财经新闻里那些复杂的术语。

I was like, I see the value because I like reading this newsletter, and I don't like the complex jargon of all the traditional financial news.

我只是想知道股市、房地产市场和加密货币发生了什么。

I just want to know what's happening in the stock market, in the housing market, in crypto.

我把它简化成五分钟就能读完的内容，那时我们把它重新命名为Market Briefs，我说，别管我们之前做的其他事情了，集中精力做好Market Briefs，正是这一点让它迅速发展起来，成为我们现在公司众多产品的旗舰，而这一切都始于这个痛点。

I just break it down into a quick five minute read, and that's when we rebranded it into market briefs, and I said, let's ignore all this other stuff that we were doing, and let's put more and focus into market briefs, and that's what then allowed that to take off, which then was the flagship for many other products that we have now in our company, but it started with that pain That's

太棒了，是的。

awesome, yeah.

是的，这总是个痛点。

Yeah, it's always a pain point.

无论是像这样的通讯，还是当今世界上最大的企业，一切最初都源于一个痛点。

Whether it's something like that, like a newsletter, whether it's the biggest business in the world today, like it all started from a pain point.

是的。

Yeah.

我认为，如果我们多花点时间关注痛点，就能想出更好的点子，而不是试图为那些根本不存在或只是我们想象出来的问题寻找解决方案。

And I think if we spent more time with pain points, we'd come up with better ideas rather than trying to come up with solutions and ideas to problems that either don't exist or that we're imagining.

我知道很多人都是这样，可能就连我团队里的人、我认识的朋友和家人，都从未接触过投资。

I know a lot of people like this, probably even on my team, people that I know, friends and family who are like, they were never exposed to investing.

我小时候也不知道投资是什么。

Even I wasn't, I had no idea growing up what investing was.

你和我一样。

You and me both.

是的，我完全不懂，从来没人给我解释过，我也不认识任何真正投资的人，我觉得。

Yeah, I had no clue, no one ever explained it to me, I didn't know anyone who invested, really I don't think.

也许我认识一个人，除了自己住的房子外还有一处房产。

Maybe I knew one person who had one other property than the one they owned.

我从小就没生活在那样的圈子里。

I didn't grow up in that circle.

如果有人在想，好吧，我想开始投资，我最少需要多少钱才能开始投资？

If someone's out there going, okay, wanna start investing, what's the smallest amount I need to start investing?

这个数字是多少？

What's the number?

他们该从哪里开始？

Where do they start?

现在，1美元就可以。

Now, $1.

你可以用任何金额开始投资。

You can start investing with any amount of money.

投资的整个理念就是，你把这笔多余的钱拿出来，用来购买某种东西，目的是从这件东西上赚钱，而不是仅仅买一块手表或一双鞋。

And the whole idea of investing is you take this extra money and you're gonna put it into this thing, you're gonna buy something with it, with the goal of making money off of this thing as opposed to just buying a watch or a pair of shoes.

但我认为很多人，尤其是像我们这样从小没接触过投资的人，并不了解投资的方式不止一种。

But the part that I think a lot of people don't understand, especially if we don't grow up learning about investing like we didn't, is there's more than one way to invest.

十年前，人们认为投资是什么？

Because ten years ago, what was investing, or what did people think investing was?

我该怎么找到下一个亚马逊？

How do I find the next Amazon?

我该怎么找到下一个苹果？

How do I find the next Apple?

今天，很多人认为投资就是如何找到下一个迷因币？

Today, a lot of people think investing is how do I find the next meme coin?

我该怎么找到下一个即将暴涨的加密货币？

How do I find the next cryptocurrency before it pops off?

我们开始把投资看作赌博，尤其是因为现在周围有太多这样的东西了。

We start to think of investing in terms of gambling, especially because now there's so much of it around us.

比如体育博彩、外汇市场、波利市场等等。

I mean, there's sports betting, there's foreign exchange market, there's poly markets.

人们甚至在押注美联储下一步会做什么。

Mean, people are betting on what the Federal Reserve Bank is going to do next.

他们押注于这些疯狂的决定，还记得那个在酷玩乐队演唱会上被发现作弊的大牌情侣吗？

They're betting on these wild decisions off of remember that one there was that big couple that got caught cheating at the Coldplay concert of Yahoo!

是的。

Yeah.

当时甚至有一个博彩市场，赌他们会不会离婚。

There was a a betting market around are they gonna file a divorce or not?

所以人们把钱押在了这类事情上，称之为投资。

So people are quote unquote investing their money on that type of thing.

现在，人们正围绕各种预测市场建立商业模式，于是我们在缺乏金融教育的情况下，开始认为投资就是这么回事。

So people are now making businesses out of all sorts of prediction markets, and so we start to assume, without any financial education, that investing is the same thing.

我们只是在预测明天会发生什么。

We're just going to predict what's going to happen in something tomorrow.

但这根本不是投资的真正含义。

But that's really not what investing is.

投资是你想买入并长期持有的资产，你相信它未来会升值，也许还会在过程中为你带来某种收益。

Investing is something that you want to buy and own for the long term that you believe is going to either go up in value and maybe pay you with some sort of interest along the way.

也许它每个月都会往你的银行账户里存钱，也许每三个月存一次，也许每年存一次，而你什么都不用做。

Maybe it's going to deposit money every month, maybe it's going to deposit money every three months, maybe it's going to deposit money every year into your bank account for not doing anything.

这才是投资。

That's what investing is.

那么，你该如何进行投资呢？

So now how do you go about doing it?

你需要理解三个层次。

And there are three layers that you need to understand.

第一层是最被动的：我把我的钱交给你——一个理财顾问，你来为我管理资金，从此我就完全不用操心了。

Number one is the most hands off, and that is, I'm going to give my money to you, a financial adviser, and you are going to manage my money for me, and now it's completely hands off.

如果你简单算一下，假设我每月投资1000美元，持续30年，而我的理财顾问能跑赢市场，年回报率达到11%，那么我最终能获得180万美元，但我得支付费用。

So if you just run some basic numbers, if I invest $1,000 a month for thirty years, and my financial advisor can beat the markets, they do 11% a year, I'm going to end up with 1,800,000.0, but I gotta pay a fee.

我得付出代价。

I gotta pay a price.

你可能需要支付1.5%的费用，因此最终可能要支付50万到60万美元的费用。

You might have to pay one and a half percent fees, so you might end up paying 5 or $600,000 in fees.

所以这180万美元是你支付费用后实际得到的金额。

So that 1,800,000.0 is what you're getting after the fees.

第二种选择，如果你想稍微多参与一些，但又不想完全亲力亲为，那就是我所说的被动投资。

Option number two, if you wanna be a little bit more involved but not fully involved, is what I call being a passive investor.

被动投资的核心就是找到一篮子股票，然后持续不断地向其中投入资金。

And passive investing is all about finding a basket of stocks, and now you just keep consistently investing your money in it.

例如，你可以投资于美国经济的整体市场，最常见且最受欢迎的方式就是投资一种叫做标普500的指数基金。

So, for example, you can invest in The United States economy, in the broad economy, and one of the most common and popular ways to do that is to invest in something called the S and P five hundred.

这是股票市场中500家最大公司的集合。

That's a group of the 500 largest companies in the stock market.

你不需要自己去寻找亚马逊、特斯拉这些公司。

You don't have to go out and find Amazon and Tesla and all these companies.

你只需投资于这个基金，然后就不用再管它了。

You just invest in this fund and you don't have to touch it.

而且好处是，如果你把钱投入这个基金，假设亚马逊破产了，你也不用做任何事。

And the nice thing about it is if you invest your money into this fund, and let's just say Amazon goes bankrupt, you don't have to do anything.

当这些公司变小时，基金会将亚马逊剔除，并用其他公司取而代之，因此对你来说完全是被动的。

The fund is going to kick Amazon out as they get smaller, and they're going to replace them with another company, so it's completely passive for you.

历史上，这一收益率平均每年约为10%。

Historically, this has averaged about 10% growth a year.

略高于10%，但历史上大致就在10%左右。

A little bit more than that, but right around 10% historically.

尽管有经济衰退和市场崩盘——我们知道这些情况总会发生——它仍平均每年实现约10%的增长。

Despite the recessions, despite market crashes, because we know that they happen, it has averaged about 10% a year.

所以，如果你每月投资1000美元，持续30年，大约能积累到190万美元。

So, if you invest $1,000 a month for thirty years, that would be about $1,900,000.

然后是第三层，最积极参与的类型。

Then you have layer three, the most involved.

这被称为积极投资者。

This is called being an active investor.

作为积极投资者，并不是指频繁交易或短线炒作，而是指我想拥有自己相信的、经过研究的、投入了精力的优质投资，并长期持有它们。

And being an active investor is not trading, it's not flipping, it's I want to own good investments that I believe in, that I've researched, that I've put the work into, and I want own them for the long term.

所以这可能涉及投资于个别公司或个股。

So this might be investing in individual companies, individual stocks.

也许现在我想投资亚马逊。

Maybe now I want to invest in Amazon.

也许现在我想投资麦当劳之类的公司。

Maybe now I want to invest in McDonald's or whatever.

也可能涉及投资于具体的房地产项目。

Maybe it's investing in individual real estate properties.

这样做的目标是承担更多风险以换取更高的潜在回报。

And the goal with this is you're taking on more risk for more potential return.

我们之前谈到过，如果你只是把钱投入整个经济体系，平均每年大约能获得10%的回报。

So we talked about how if you just invest your money into the broad economy, you're averaging about 10% a year.

作为主动投资者，我们谈论的并不是人们在网上常吹嘘的200%、100%甚至50%的回报，因为这些并不可持续。

As an active investor, we're not talking about 200% returns or 100% or even 50% returns that people like talk about on the internet, because that's not sustainable.

那是骗人的。

It's a lie.

这是骗局，他们在坑你。

It's a scam, and they're screwing you over.

我们谈论的是一点点优势。

We're talking about a slight edge.

我们就说每年13%吧。

Let's just say 13% a year.

如果你能做到每年13%，每月投入1000美元，持续30年，那你最终将拥有大约三百五十万美元。

If you can do that, 13% a year, dollars 1,000 a month for thirty years, well, now you're gonna have about three and a half million dollars.

所以，相比被动投资，你多出了160万美元。

So we're talking about $1,600,000 more than if you passively invested.

你承担了更多的风险。

You're taking on more risk.

这需要更多的工作和研究，但潜在的回报也更高。

It's more work and more research, but there's more potential upside.

因此，你必须清楚自己希望在这条曲线上的哪个位置，因为主动投资并不适合所有人。

And so you have to know kind of where along this curve you want to be because active investing is not for everybody.

我们公司专注于为积极投资者提供这项研究，但这意味着承担更多风险以换取更大的潜在回报。

This is what our firm focuses on is that research for active investors, but it's more risk for more potential upside.

是的。

Yeah.

而且，感觉最好是循序渐进，一层一层来，而不是直接一头扎进去。

And it almost feels like it's better to start and move layer by layer by layer rather than dive straight in.

通常是这样。

It often is.

从你最容易接触到的投资方式开始，因为对大多数人来说，最易接触的可能是401(k)或IRA。

Just to start with what's most accessible to you because what is most accessible to most people is something like a four zero one k or IRA.

我个人不用401(k)，因为它不适合我，但个人理财是因人而异的。

And I personally don't use a four zero one k because it's not right for me, but personal finance is personal.

明白吗？

Okay?

适合你的，不一定适合我。

What's right for you is not gonna be right for me.

从你所能接触到的开始，然后迈出下一步，再下一步，你会逐渐意识到有哪些选择，因为这可能会让人感到不知所措。

Start with whatever you have access to, and then take the next step, and then take the next step, and then you'll start to realize what are all the options out there, because it can be intimidating.

因为你可能会想，天哪，我该投资股票、房地产还是加密货币？

Because you say, Oh my gosh, should I invest in stocks or real estate or crypto?

我该投资个股、ETF还是共同基金？

Should I invest in individual companies or ETFs or mutual funds?

天哪，我该投资公寓还是单户住宅？

Oh my gosh, should I be investing in apartments or single family houses?

深呼吸一下。

Should I be using take a breath.

没关系。

It's okay.

就先开始吧。

Just start.

人们投资未能取得理想成功的原因，通常不是因为他们做出了错误的决定，而是因为他们根本没做决定。

The reason why people don't see the success that they want out of their investments isn't generally because they made the wrong decision, it's because they never made a decision.

是因为他们根本没开始。

It's because they never started.

但一旦你开始了，就可以做出调整。

But once you can get started, you can make that adjustment.

我总是把投资和健身联系起来，因为在健身房我看到同样的情况。

I relate investing to working out all the time, because I see the same thing in the gym.

刚开始健身的人会说，贾斯珀，我该怎么做？

People that are getting started with working out, they'll say, Jasper, what should I do?

我该去做高强度训练吗？

Should I go do these high intensity workouts?

我该做低强度训练吗？

Should do this low intensity workouts?

我该吃食肉饮食吗？

Should I do carnivore diet?

我该吃纯素食饮食吗？

Should I do a vegan diet?

我是不是该直接上跑步机，然后戒掉甜甜圈，对吧？

Should I do, you know, look, just get on a treadmill and put down the donuts, right?

先开始，然后迈出下一步，再下一步。

Start and then take the next step, and then next step.

只要开始，你就会发现什么方法更适合你。

And just start and then you'll see what works better for you.

是的。

Yeah.

你怎么跟踪股市？

How do you track the stock market?

给我讲讲吧，对那些不知道从哪里开始的人，就像我们现在说的，有人想着要做这个，想着要做那个，但他们根本不懂。

Break that down for me for someone who doesn't know where to start, kinda like what we're saying right now where, you know, someone's like, oh, thinking of doing this, I'm thinking of doing this, they don't understand.

你会怎么把这件事拆解清楚？

How would you break it down

对他们来说？

for them?

是的。

Yeah.

股票市场是一个任何人都可以购买公司部分所有权的地方。

So the stock market is a place where anybody can go out and buy a piece of ownership in a company.

并不是每家公司都可以，公司必须是所谓的上市公司。

Not every company, the company has to be what's called publicly traded.

例如，我的公司Briefs Media是私营的，意味着你不能投资我的公司，但如果一家公司是上市公司，比如麦当劳，你就可以购买它的一部分，这被称为一股股票，如果你买了一股麦当劳的股票，你就成了这家公司的股东之一。

So for example, Briefs Media, my company, it's private, meaning you can't invest in my company, but if a company is publicly traded, for example, McDonald's, you can buy a piece of that company, it's called a share, and if you buy one share of McDonald's, you become one of the owners of that company.

所以当我去耐克买一双鞋时，我是耐克的消费者。

So when I go to Nike and I buy a pair of shoes, I am a consumer at Nike.

当我持有耐克的一股股票时，我就成了耐克的股东之一。

When I own one share of the Nike stock, I become one of the owners of Nike.

作为耐克的股东，当你购买耐克鞋子时，我就能获利。

As the owner of Nike, I profit when you buy the Nike shoes.

作为耐克的消费者，我让投资者变得更富有，但我也看起来很酷，因为我穿了耐克，脚上穿着乔丹。

As a consumer of Nike, I am making the investors richer, but I look cool because I got the Nike, I got the Jordans on.

所以股票市场的整个理念就是你购买这些上市公司的股份。

And so the whole idea behind the stock market is you are buying shares of these companies that are publicly traded.

现在，股票的价格取决于具体的股票以及是什么因素导致股价上涨或下跌，而这并不是公司赚了多少钱。

Now, the price of a stock is going to depend on whatever the stock is, and what causes the price of a stock to go up and down is not how much money the company is making.

而是供需关系。

It's supply and demand.

我的意思是，任何资产的价格——房地产、股票、加密货币——最终都取决于该资产的买家和卖家的数量。

And what I mean by that is the price of any asset, real estate, stocks, crypto, it ultimately depends on how many buyers and sellers there are of that asset.

所以，如果想买麦当劳股票的人比想卖的人多，股价就会上涨。

So if more people want to buy the McDonald's stock than there are sellers of the McDonald's stock, that stock price will go up.

如果卖股票的人比买的人多，股价就会下跌，这就引出了下一个问题。

If people are selling the stock more than there are buyers, the price of that stock goes down, which then goes to the next question.

是什么导致股价上涨或下跌？

What causes it to go up or down?

人们为什么买入，又为什么卖出？

Why do people buy versus why do people sell?

原因有很多，但你可以看看显而易见的那些。

And there are a whole list of reasons but you can look at the obvious.

如果麦当劳开始出品糟糕的汉堡，老板们可能会想：我不太确定这事儿了。

If McDonald's starts to produce bad hamburgers, the owners might say, I don't know about this.

也许不是汉堡的问题，因为麦当劳实际上是一家房地产公司，但如果麦当劳开始出问题，老板们可能会想：也许我该卖了。

Well, maybe not the hamburgers because McDonald's is actually in the real estate business, but if McDonald's starts to have some problems, the owners might say, maybe I should sell.

如果麦当劳的利润开始下降，投资者可能会感到担忧。

If McDonald's starts to have smaller profits, now the investors might get concerned.

如果他们的利润超出预期，更多人可能想买入，从而推高股价。

If they start to have bigger profits than expected, more people might want to buy which could push the stock price up.

因此，你必须理解买卖双方的心理，因为成功投资包含两个方面。

So you have to understand the psychology of the buyers and sellers because there's two parts to successful investing.

一个是财务层面，但还有情感层面。

One is the the financial side, but it's also the emotional side.

而在今天的市场中，我们的市场比以往任何时候都更情绪化。

And in today's market, our markets are more emotional than ever before.

《商业内幕》最近对此做了一项研究，其实找到这些数据并不难，但他们指出，我们的股市比以往几十年更具波动性，这对普通民众来说并不好，因为他们会想：天啊，我害怕市场会下跌，我会亏钱。

Business Insider actually did a study on this recently where they I mean, it's not really that hard to find, but they said that our stock market is more volatile than previous decades, which for the average person is not good because they say, oh my god, I'm scared the markets are gonna go down, I'm gonna lose money.

但对于财务 savvy 的人来说，这却创造了前所未有的机会。

But for the financially savvy, that creates more opportunity than ever.

例如在2025年，我们目睹了三次股市崩盘。

In 2025, for example, we saw three stock market crashes.

当首次宣布关税政策时，市场应声崩盘。

When we saw the first announcement of tariffs, markets crashed.

随后关税暂停，市场创下新高。

Then tariffs were paused, markets hit new record highs.

接着第二次宣布关税，市场再次崩盘。

Then we had the second announcement of tariffs, markets crashed.

一旦这些关税被暂停，市场又回升了。

Once those were paused, markets rose again.

然后我们迎来了‘解放日’，第三次宣布关税，市场以自疫情以来最快的速度崩盘。

Then we had Liberation Day, the third announcement of tariffs, markets crashed at the fastest rate since the pandemic.

然后关税被暂停，市场创下了新的纪录高点。

Then there were paused, and markets broke new record highs.

对于普通人来说，这是一场噩梦，但对于财务 savvy 的人来说，这些下跌都创造了绝佳的买入机会。

See, for the average person, that was a nightmare, but for the financially savvy, all of those downturns created a great buying opportunity.

我常告诉人们的是，你会看到市场的起伏，但当这些极端时刻来临时，我希望你记住一件事。

The thing that I like to tell people is you're going to see ups and downs, but when you have those crazy times, I want you to remember one thing.

我希望你记住‘p o o p’——大便。

I want you to remember poop, p o o p.

为什么？

Why?

因为恐慌导致过度抛售，过度抛售带来机会，机会带来利润。

Because panic leads to overselling, leads to opportunity, leads to profit.

这就是我们之前谈到投资教育时提到的，但心理因素同样重要，因为如果你在恐慌，那你就是在让别人变得更富有。

And that's where, you know, we were talking a little bit about the education side of investing, but that psychology is just as important because if you're the one that's panicking, well you're making somebody else wealthier.

是的。

Yeah.

你必须理解自己投资的是什么，并清楚它如何融入你的投资策略，这样你才能真正赚钱，而不是成为让别人赚钱的人。

And you have to understand what it is that you're investing in and know how that fits in with your investing strategy, that way you can actually make money instead of being the person that's making somebody else money.

是的，我想说，有一个心态与你所说的非常契合，可能需要更早地融入你的体系，那就是：别追逐快钱。我认为，当我们缺乏财务智慧时，市场崩盘让我们害怕的原因是，我们以为‘天啊，我的钱全没了，赶紧撤出来’，对吧？

Yeah, I was gonna say that one mindset that sticks very close to what you're saying which may have to go earlier on in your system is this idea of, I'm trying to get the language right, you name it better because it's your system but this idea of just don't chase fast money because I think the reason why we get scared when the markets crash when we're not financially savvy is because we thought, oh God, lost all my money, let me take it out, right?

或者因为市场看起来不安全，就不敢再投入更多资金。

Or let me avoid putting more money in because things are not looking safe.

而我们心中这种‘我只想快速赚钱’的心态，就是想投点钱，明年就翻几倍，然后立刻套现。

And this idea of this mindset that we have around, I just want to make money quick, you know, I just want to put something in, next year it's huge and then I want to pull out.

但事实上，能成功做到这一点的人非常非常少。

And it's like, well, that's like very, very rare for people to pull off.

我认为，这种追求速成的心态阻碍了我们做出明智的决策，因为当你终于投入资金时，你会想：‘唉，我应该去年就做的’，对吧？

And I think that speedy money is what stops us from making good decisions because by the time you actually put money in, you're like, oh, I should have done it last year, Right?

因为你一直在盯着那个快速获利的机会。

Because you're just watching that quick win.

这样理解吗？

Does that make sense?

是的

Yeah.

而这实际上回到了你刚才说的，关于那些靠工资过日子的人。

And that that is actually it goes back into what you were saying a little bit ago when you said, what about that person who's living paycheck to paycheck?

这样的人想要什么？

What does that person want?

我想要摆脱目前的处境。

I want a relief of where I am.

那么这种解脱通常是什么？

So what is that relief often?

是快速赚钱。

It's fast money.

天啊。

It's like, oh my god.

我的手臂疼。

My arm hurts.

你想要什么？

What do want?

我想要解脱。

I want relief.

给我额外强效的泰诺之类的药吧，因为我只想快速解决一下。

Give me the extra strength Tylenol or whatever it is because I just want a quick fix.

所以，很多时候，处于这种境况中的人——我们之前从另一个角度也暗示过这一点——就会被坑了。

And so what happens to a lot of times that person in the situation, and we we were hinting at this from a different angle before, is you get screwed over.

这个系统从你身上获利，因为你正是那种愿意花钱的绝佳目标。

The system profits off of you because, well, you are a prime candidate for spending money.

但如果你开始说，天啊，我只想多赚点钱，会发生什么？

But now if you start to say, oh my god, I just wanna make some more money, what happens?

那你就会成为那种快速赚钱项目的绝佳目标。

Well, you become a prime candidate for that fast money.

而这种快速赚钱，大多数时候根本不存在。

And that fast money, most of the times, is not there.

而当它真的出现时，如果这笔钱真的来得快，你也会同样快地失去它，因为你如果不知道该怎么处理这笔钱，它就会迅速溜走。

And when it is there, if it does happen to come fast, you are also gonna lose it just as fast, because if you don't know what to do with that money, well, it can go and leave just as fast.

他们说，我认为大约有百分之八十的彩票中奖者在中奖后的五年内就会破产或陷入财务困境。

It's a they say I think it's like eighty percent of lottery winners go broke or bankrupt within five years of winning the lottery.

为什么？

Why?

并不是因为你钱不够。

It's not because you don't have enough money.

有人中了数百万、数百万、数百万美元。

People have won millions and millions and millions of dollars.

如果你缺乏财务知识，而钱又来得太快，它就会同样迅速地消失。

If you don't have the financial education and the money comes fast, it's going to disappear just as fast.

另一方面，当你极度渴望金钱时，你就成了那些推销项目的理想目标，这些项目向你兜售这样的梦想：嘿，你只要每周在笔记本电脑上工作三个小时，躺在巴厘岛的海滩上，就能月入一万美元。

And on the other side, when you become desperate for money, you become a prime candidate to buy those programs and services that are trying to sell you this dream of, hey, all you gotta do is work three hours a week on a laptop off of a beach in Bali, and you're gonna make $10,000 a month.

每周一万美元。

$10,000 a week.

你什么都不用做。

You don't have to do anything.

听起来太棒了。

It sounds amazing.

让我报名吧。

Sign me up.

997美元。

$997.

没问题。

No problem.

那笔快钱，是的。

Well, that fast money Yeah.

不是那样的。

Doesn't work like that.

对。

Yeah.

不可能牺牲辛勤的努力。

There's no sacrificing the hard work.

对。

Yeah.

新的一年并不意味着抹去过去的你。

A new year doesn't mean erasing who you were.

它意味着尊重你所经历的苦难，并选择你希望如何成长。

It means honoring what you've survived and choosing how you want to grow.

它意味着允许自己感受那些一直压抑的情绪，并明白寻求帮助是完全可以的。

It means giving ourselves permission to feel what we've been holding and knowing that it's okay to ask for help.

我是迈克·德拉罗查，《神圣课程》的主持人。

I'm Mike Della Rocha, host of Sacred Lessons.

这个播客为男性提供了一个开放讨论心理健康、悲伤、人际关系以及我们继承却不必重复的模式的空间。

This podcast is a space for men to talk openly about mental health, grief, relationships, and the patterns we inherit, but don't have to repeat.

在这里，我们放慢脚步。

Here, we slow down.

我们倾听，学习脆弱如何转化为力量，以及疗愈如何在社群中发生，而非孤立进行。

We listen, we learn how vulnerability becomes strength, and how healing happens in community, not in isolation.

如果你准备好放下不再服务于你的事物，以清晰、慈悲和目标感迎接新的一年，那么《神圣课程》将成为你疗愈之旅的伙伴。

If you're ready to let go of what no longer serves you and step into the year with clarity, compassion, and purpose, Sacred Lessons is your companion on your healing journey.

收听迈克·德拉罗查主持的《神圣课程》，它在全美排名第一的播客网络iHeart播出。

Listen to Sacred Lessons with Mike Della Rocha on America's number one podcast network, iHeart.

关注迈克·德拉罗查的《神圣课程》，今天就开始在免费的iHeartRadio应用上收听吧。

Follow Sacred Lessons with Mike Della Rocha and start listening on the free iHeartRadio app today.

你提到了人工智能。

You brought up AI.

你认为目前人工智能和投资领域最大的机遇在哪里？

Where do you see the biggest opportunities with AI and investing right now?

天啊。

Oh, man.

让我先说明一下，因为我特别喜欢谈论历史。

Well, let me premise it with this because I love talking about history.

因为历史虽然不会完全重复，但总是有相似的韵律。

Because while history doesn't exactly repeat itself, it does rhyme.

当互联网在九十年代开始流行时，我们看到了非常相似的情况发生。

When the Internet started to become popular in the nineties, we started to see very similar things happen.

我这话是什么意思呢？

What do I mean by that?

如果你在九十年代中后期创办了一家公司，并在名字后面加上.com，你就可以去任何一家银行或投资机构，轻松筹集数百万美元，因为他们都想分一杯羹。

If you started a company in the mid to late nineties and you put the word .com at the end of it, you could go to whatever bank or investing institution you wanted and raise a couple million dollars, because they wanted a piece of that action.

资金正源源不断地涌入互联网公司。

Money was just being dumped into the Internet companies.

到了2000年，那个由互联网泡沫催生的市场破裂了，我们看到互联网股票被彻底清零。

And then came the year 2000, and in the year 2000, that Internet bubble that was created popped, and we saw Internet stocks get wiped out.

当时有一个叫做纳斯达克的指数，追踪了许多这类科技型公司。

And there was a index called the Nasdaq, which tracks a lot of these techy type companies.

那时，互联网公司非常多。

At that time, there was a lot of Internet companies.

该指数下跌了约78%，是一场灾难性的崩盘，甚至连亚马逊的股价也下跌了90%以上。

That index fell by about 78%, and it was a disastrous crash where even Amazon stock fell by more than 90%.

但在那段时间，我们开始听到新闻说互联网只是一时风潮。

But during that time, we started to hear the news that the Internet must be a fad.

互联网已经结束了。

The Internet's done.

以前根本没人用互联网。

No one's using the Internet before.

我的意思是，当时很多大报都刊登了这样的头条新闻。

I mean, there was a lot of famous headlines from big newspapers that published that.

那么，后来发生了什么？

Well, what happened?

并不是互联网消失了，而是许多互联网公司倒闭了。

It wasn't that the internet died, but a lot of internet companies did die.

真正存活下来的是强大的公司，而亚马逊也成为了今天的模样。

It was the strong companies that survived, and Amazon became what it is today.

所以你谈到了人工智能。

So you talk about AI.

我们是否正处于一个人工智能泡沫中？

Could we be in an AI bubble?

绝对如此。

Absolutely.

我们总是处于某种泡沫之中。

We're always in some sort of bubble.

目前投入人工智能的资金比以往任何时候都多，而且这种增长速度似乎正在加快，就像一个无底的资金黑洞。

We have more money going into AI than ever before, and it really feels like that rate is accelerating, and it's like it's like an infinite black hole of money.

资金正从各个地方涌出——政府、外国、投资者，无所不在。

It's just money coming out of everywhere, from the government, from foreign countries, from investors.

每个人都想分一杯羹。

Everybody wants a piece of the action.

我们会不会看到人工智能泡沫破裂？

Could we see an AI bubble burst?

当然。

Absolutely.

但就像互联网泡沫破裂一样，即使AI泡沫真的破裂，也不意味着AI会消失。

But just like how the Internet bubble burst, it doesn't mean that AI is going to go away if it does happen.

这意味着聪明和有远见的人会生存下来，而其他人则会被淘汰。

It means that the smart and the savvy will survive, and then the others will get wiped out.

现在让我来回答这个问题。

So now let me answer that question now.

机会在哪里？

Where's the opportunity?

我会像剥洋葱一样解释这一点，因为洋葱有多层结构。

And I'm gonna explain this like an onion, because, like, onions have multiple layers.

精明的投资者就是这样看待他们的投资的。

That's how savvy investors like to think about their investments.

因为当很多人想到AI时，他们想的是：我该如何投资ChatGPT？

Because when a lot of people think about AI, they think, how can I invest in ChatGPT?

当你这么说时，你实际上是在说，你想投资生产人工智能的公司，确实有一些公司这么做，但那只是洋葱的最外层。

Well, when you're saying that, what you're essentially saying is I wanna invest in the company that's producing the AI, and there are companies that do that, which, sure, but that's the top layer of the onion.

每个精明的投资者都想了解，钱正在流向哪里，钱即将流向哪里，而其他人还没意识到这一点。

What every savvy investor wants to do is they wanna know where is the money moving, where is the money going to go before other people understand.

这就是投资研究的全部意义，也是我花大量时间、我的公司致力于研究的方向。

That's what investment research is all about, and that's what I try to spend a lot of my time on, what my company works on.

那么，我们现在再深入一层。

So let's now go one layer deeper.

人工智能将由什么来驱动呢？

Well, what is the AI going to be powered by?

是什么在支撑这项技术？

What is powering this technology?

目前，它是由计算机芯片驱动的，因为要进行这种人工智能计算，你需要强大的计算机。

Well, right now, it's being powered by computer chips because in order to do this AI computing, you need powerful computers.

下一代计算机芯片——我们目前还没有的——可能是一种叫做量子计算机的技术。

Well, the next generation of computer chips, which we don't have yet, could be something called quantum computers.

量子计算机本质上就像超级计算机被放大了一千倍，还打了兴奋剂。

And a quantum computer is essentially a supercomputer to the one thousandth power on steroids.

我们平时用的普通计算机，我不想说得太技术化，但如今的普通计算机每秒只能解决一个数学问题。

That typical computer like, so and I don't wanna get too technical, but a a typical computer that we have today can solve one math problem a second.

这就是它的运作方式。

That's just the way that it works.

但量子计算机每秒可以解决多个问题。

But what a quantum computer can do is it can solve multiple problems per second.

所以我们现在用的64位计算机，每秒能解决一个问题，而一台64量子位的计算机，如果我没记错的话，据说每秒能解决180亿亿个问题。

So a 64 bit computer that we have today, which exists, that can solve one problem a second, a 64 qubit computer can solve, if I remember the numbers correctly, I think it's 18 quintillion problems a second.

哇。

Wow.

这意味着什么？

What does that mean?

量子计算机能在一瞬间完成普通计算机需要数百年才能完成的计算。

A quantum computer can solve what a normal computer would take hundreds of years to do.

同样的问题可以在几秒钟内解决。

That same problem could be solved in a matter of seconds.

太疯狂了。

Insane.

确实如此。

It is.

我们还没达到那一步，但已经有一些公司正在投资这项技术。

We're not there yet, but there are companies that are investing in it.

如果真的实现了，这些公司中的一些可能会赚大钱。

If that happens, some of those companies could make a lot of money.

好吧，我们再深入一层。

Well, let's keep going another layer deeper.

我们正在一层层剥开洋葱。

We're going down the onion.

我们谈到了第一层，也就是人工智能，也许是量子计算。

We talked about the first layer, which is the AI, maybe quantum.

那第三层呢？

What about the third layer?

如果我有一家AI公司，或者我拥有AI和数据。

If if I have an AI company, or I have AI, I have data.

尽管我们很想谈论隐私，但现实是，只要你有一部智能手机，你的数据就在云端。

And as much as we wanna talk about privacy, the reality is if you have a smartphone, you have data that's in the cloud.

但云端并不是真的在云里。

Well, the cloud isn't in the clouds.

云端实际上是一个叫做数据中心的实体建筑。

The cloud is actually in a physical building called a data center.

因此，当AI开始收集更多数据时，因为每次你向ChatGPT提问——无论是询问牛油果酱的食谱，还是让你写一封邮件——这些数据都会被存储在某个地方，而这些数据都存放在数据中心里。

So as AI starts to gather more data, because anytime you ask ChatGPT a question, whether it's a guacamole recipe or it's something, write me this email, that data is being stored somewhere, and that data is being stored in a data center.

这同样可能创造投资机会，因为随着我们处理的数据越来越多，随着更多人使用AI，每秒钟都在产生更多的数据。

That could also create an investment opportunity, because now as we start to have more data being processed, as more people use AI, more data is being created every single second.

因此，由于这个原因，数据中心现在正在蓬勃发展。

So now data centers are now booming because of that.

事实上，我刚读到一些公司正在考虑将数据中心建在月球上，以实现多元化布局。

In fact, I was just reading that there are some companies looking at putting data centers on the moon now as a way to diversify.

事情已经疯狂到这种地步，我们竟然在寻找将数据中心建到地球之外的新方法。

That's how crazy it's getting, that we're looking for new ways to put data centers outside of the earth.

我们现在可以再深入一层洋葱皮了。

We could take it now one layer deeper in the onion.

对吧？

Right?

我们谈到了数据中心，但这些数据中心也需要供电，因为它们需要大量能源。

So we talked about data centers, but those data centers have to be powered too, because those data centers need energy.

这些存储海量数据的数据中心耗电量巨大，有一些公司专门负责为这些数据中心供电，它们正竭尽全力创新，以最低成本为数据中心供电，最终一定会有人胜出，而获胜者将赚取巨额利润。

Those data centers that are keeping all this stuff use a lot of power, and there are specific companies that are powering those data centers, and these companies are trying to be as innovative as possible of how can we now power the data center for as low cost as possible, and somebody is going to win that race, and the one that wins that race is going to make a lot of money.

这同样能创造投资机会。

That can create an investment opportunity.

让我们再深入一层洋葱皮。

Let's take it one layer deeper in this onion.

这些数据中心必须保持在特定温度，因为里面有很多计算机部件，运行时会产生大量热量。

That data center has to be kept at a specific temperature because they have all these computer parts in there that get hot.

我的意思是，如果你用过电脑，就知道它运行久了会发热，发出嗡嗡声。

I mean, if you use a computer, you know you get that sound that gets hot.

如果数据中心开始过热，就会出现故障，没有任何一家人工智能公司或科技公司愿意看到这种情况——那将是一场灾难。

Well, if that data center starts to overheat, it is going to malfunction, and no AI company, no tech company wants I to lose mean, it would be a disaster.

因此，这些数据中心公司正在大力投资于冷却技术，这催生了一个全新的行业。

So these data center companies are investing heavily into data center cooling, which is a whole new industry of companies.

是的。

Yeah.

其中一家公司将会是最高效、最具创新性的，成为最受青睐的首选。

Well, one of those companies is going to be the most efficient, they're going to be the most innovative, and they're going to be the best one, the one that everybody wants to use.

它们也因此有机会赚取巨额利润。

Well, they're gonna have the opportunity to make a lot of money as well.

这就是聪明的投资者正在做的事情：当人们想到人工智能时，总想着投资某只AI股票。

And so this is what smart investors are doing, is that, you know, when people think about AI, oh, want to invest in this AI stock.

好吧，这是洋葱的第一层，但精明的投资者正在剥开这一层，试图展望两年后、五年后，人工智能会波及哪些方面。

Well, that's the first layer of the onion, But what savvy investors are doing is they're peeling that layer back, and they're trying to think two years down the road, five years down the road, and what are all the things that are impacted by that artificial intelligence?

现在你可以投资于个别公司。

Now you can invest in individual companies.

也有基金可以让你接触到人工智能，但核心理念是理解——投资其实是一门基础课。

There are funds that can give you exposure to to artificial intelligence, but the whole idea is understanding I mean, is investing one zero one.

关键是理解资金流向哪里，机会就在那里。

It's understanding where the money is moving, and that's where the opportunity will be.

这是个很好的回答。

That's a great answer.

让我订阅市场简报。

Sign me up to market briefs.

好的。

Yes.

这正是我们所涵盖的内容。

That's what we cover.