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嘿。
Hey.
我是你的朋友梅尔，欢迎收听梅尔·罗宾斯播客。
It's your friend Mel, and welcome to the Mel Robbins podcast.
最近，我收到了大量关于金钱的问题。
Lately, I have been getting a ton of questions about money.
比如，梅尔，我每个月都是靠工资过日子。
Questions like, Mel, I am living paycheck to paycheck.
我不知道该怎么办。
I do not know what to do.
当我连账单都难以支付时，我该怎么存钱？
How do I save when I can barely pay my bills?
为什么我总是买一些我并不需要的东西？
Why do I keep buying things I do not need?
我的钱都花到哪里去了？
Where is all my money going?
如果我赚的钱根本不够翻身怎么办？
What if I'm not making enough money to get ahead?
我到底该怎么摆脱债务？
How the heck do I get out of debt?
我和伴侣总是因为钱的问题吵架。
My partner and I are constantly fighting about money.
我就是不擅长管钱。
I'm just not good with money.
如果你现在正处在这种境地，我需要你听我说。
If that's where you are right now, I need you to hear me.
我懂。
I get it.
我曾经也这样过。
I've been there.
我感受过那种压得人喘不过气的压力，那种无法摆脱债务、不相信自己会管钱时的羞愧。
I have felt the crushing stress, the shame that you feel when you cannot get out of debt, when you don't believe you're good with money.
但好消息是。
But here's the good news.
你可以学会掌控自己的财务生活，而我正是希望你能做到。
You can learn how to take control of your financial life, and I want you to.
因此，今天你将认识四位世界知名的财务专家。
That's why today, you're going to meet four world renowned financial experts.
他们将为你提供最重要的第一条建议，教你如何从你当前的状况出发掌控金钱，让你感到更有财务安全感，并最终制定出一个你能坚持执行、并能看到成效的简单计划。
They are here to give you their number one rule on how to take control of your money starting where you are so you feel more financially secure, and you can finally create a simple plan you can stick to and feel and see the results.
这是我们在《梅尔·罗宾斯播客》中曾介绍过的最好的理财建议。
This is the best money advice we've ever featured on the Mel Robbins podcast.
这些是简单而有力的改变，完全在你的掌控之中，因此到本集结束时，你将清楚知道第一步该做什么、下一步该做什么，并且不再让金钱压力主宰你的生活。
It's simple, powerful changes that are 100% within your control, so that by the end of this episode, you're gonna know exactly what to do first, what to do next, and you're gonna stop letting money stress run your life.
如果你曾经希望有一集节目，能在你对金钱感到压力重重、束手无策时随时回来聆听，能分享给家中每一位需要掌控财务生活的家人，那么这一集就是你要找的。
If you have ever wanted an episode that you can come back to anytime you feel overwhelmed and stuck about money, an episode you can send to everyone in your family who needs help taking control of their financial life, this is it.
嘿，我是你的朋友梅尔，欢迎收听《梅尔·罗宾斯播客》。
Hey, it's your friend Mel, and welcome to the Mel Robbins podcast.
我非常期待我们即将进行的这场对话。
I am thrilled about the conversation you and I are gonna have.
能与你相聚并共度这段时光，我始终感到无比荣幸。
It's always an honor to be together and to spend this time with you.
如果你是新听众，或者因为有人分享了这一集而来到这里，我想花一点时间，亲自欢迎你加入梅尔·罗宾斯播客大家庭。
And if you're a new listener or you're here because somebody shared this episode with you, I just wanna take a moment and personally welcome you to the Mel Robbins Podcast family.
你选择了一集绝佳的对话来聆听，因为今天，四位世界知名的财务专家将为你带来分享。
You have picked a home run of a conversation to listen to because today, four world renowned financial experts are here for you.
他们将告诉你，如何从你当前的处境和拥有的资源出发，掌握财务主动权的首要准则。
They're going to give you their number one rule on how to take control of your money starting where you are with what you got.
遵循这些简单的准则，你会感到更有财务安全感，并最终制定出一份能够坚持执行的计划。
You will feel more financially secure when you follow these simple rules, and you will also finally create a plan that you can stick to.
这是我们在梅尔·罗宾斯播客中曾推出过的最出色的理财建议，而今天，我将为你总结这些内容。
This is the best money advice we have ever featured on the Mel Robbins podcast, and today, I am summarizing it for you.
我确信这是最有力量的建议，因为我重新聆听了自三年半前我们开播以来，所有关于金钱与财务的每一集内容。
And I know for a fact that this is the most powerful advice because I went back and re listened to every episode we have ever done about money and finances since we started this podcast three and a half years ago.
我和我的团队挑选了最出色、最有力量的时刻，最实用、最容易遵循且影响深远的建议，然后我们更进一步。
My team and I have selected the absolute best, the most powerful moments, the most tactical and easy to follow and impactful advice, then we went further.
我们分析了你们在YouTube上最常回看、分享和评论的内容，因此你们即将学到的这四条关于金钱的规则，将改变你们的人生——它们确实改变了我的人生，而我非常高兴你现在能和我一起在这里，听到这些规则、学习它们，并付诸实践。
We crunched the data on what you rewatched, shared, and commented on the most, especially on YouTube, so that these four rules about money that you're about to learn, they're gonna change your life, They certainly have changed my life, and I am so glad that you are here right now with me so you can hear them, you can learn them, and you can apply them.
在我们开始之前，我想跟你们说一件事。
And I'm gonna tell you something before we jump in.
这四位专家中有一位要说的话，你们现在必须听，因为这正是解决你们当前财务状况的钥匙，无论是你们月光族、犯过很多财务错误、正努力还清债务、勉强维持生计，还是只是想更好地投资理财，这句话都将带来根本性的转变。
There is something that one of these four experts are gonna say that you need to hear right now because it's gonna be the exact solution or mindset shift or simple tactic that changes everything about your current financial situation, whether you're living paycheck to paycheck, whether you've made a ton of financial mistakes, you're trying to get out of debt, you can barely make ends meet, or whether you just wanna get better with investing your money.
这其中有一些内容是专门为你准备的，我还想指出一点。
There is something in this that's meant for you, And I also wanna point something out.
今天的对话会给你四条规则来帮你起步，但也会让你恍然大悟：天啊，我想学的东西太多了，关于如何掌控我的财务生活。
The conversation today is gonna give you four rules to get you started, but it's also gonna make you realize, holy cow, there's so much I wanna learn about taking control of my financial life.
我想提醒你们，这些时刻、这四条规则，都来自四期精彩的节目。
And so I wanna remind you that the moments, these four rules, come from four incredible episodes.
所以，如果你想更深入地了解，并收听这四位杰出专家的完整访谈，我已经为你准备好了便捷的通道。
So if you wanna go deeper and listen to the full episodes with each one of the four extraordinary experts, I've made it super simple for you.
你可以在节目笔记中获取这四个非凡节目的链接以及我们讨论的所有资源，这些资源始终免费提供给你作为额外补充。
You can get a link to all four of these Extraordinary episodes and all of the resources that we discuss in the episodes right in the show notes, and that's always there for you as a free additional resource.
这些是我们曾在《梅尔·罗宾斯播客》中邀请过的最值得信赖的四位理财专家，我欣赏的是他们不仅仅教我们数学计算。
These are the four most trusted money experts we've ever had on the Mel Robbins podcast, and what I love about them is they don't just teach us the math.
他们还会教你思维方式。
They're gonna teach you the mindset.
我们的一位专家说了一段我特别喜欢的话。
And one of our experts says something that I love so much.
你不需要还清所有账单或存上一百万美元，就能开始感觉更好。
You don't have to pay off all your bills or have a million dollars in savings to start feeling better.
只要你今天简单地遵循其中一条规则，你就会开始对财务生活感觉更好，因为这标志着你不再被动承受一切，而是主动采取行动掌控局面，而这会立刻让你掌握主动权。
You will start feeling better about your financial life if you simply follow one of the rules today because it will be a sign that instead of feeling at the effect of everything, that you are now taking a proactive step to take control, and that's what's gonna put you in charge immediately.
那么，我们开始吧。
So let's get into it.
今天来帮助你的第一位世界知名的专家是杰出的蒂芙尼·阿利切。
The first world renowned expert that is here to help you today is the incredible Tiffany Aliche.
她被称为‘预算女神’。
She is known as The Budgetnista.
她是世界上最值得信赖的理财专家之一。
She is one of the most trusted money experts in the world.
蒂芙尼·阿利奇是一位《纽约时报》畅销书作者，已帮助超过两百万人学会储蓄、管理财务和偿还债务。
Tiffany Aliche is a New York Times bestselling author who has helped over 2,000,000 people learn how to save, manage their money, and pay off debt.
当她第一次出现在节目中时——那期节目链接在节目说明中——你们喜欢她，因为她就是那种你愿意一整天听下去的人。
Now, when she first appeared on the show, and that episode is linked below in the show notes, you loved her because she's one of those people you could just listen to all day.
她的建议极其实用。
Her advice is insanely practical.
她的建议容易聆听、容易理解，能帮你解决大多数人甚至都没意识到的最大的财务问题：当你对财务状况一知半解时，金钱压力就会累积。
It's so easy to listen to and understand, and she can help you solve one of the biggest money problems most people don't even realize they have, which is that money stress builds when you're kinda guessing about what's happening.
如果你连自己账户里进账和出账的情况都不清楚，一切都会显得可怕而令人不知所措。
If you don't even know what's kinda coming in or going out of your bank account, everything feels scary and overwhelming.
我的意思是，停下来想一想这一点。
I mean, stop and think about that for a minute.
你知道你的钱都花到哪儿去了吗？
Do you even know where your money is going?
你每个月在杂货、电费、交通、手机账单、流媒体服务、应用或订阅上花多少钱？
How much you spend on groceries every month or electricity or transportation or your cell phone bill or streaming services or apps or subscriptions?
你清楚每天你的银行账户里进出的钱都是什么吗？
Do you have any clue what's going in and out of your bank account every single day?
我敢肯定你不清楚，因为你根本没时间去思考这个问题。
I'm sure you don't because you haven't had any time to think about it.
但蒂芙尼·阿里什会告诉你，在金钱和财务生活中，最大的错误之一就是你们大多数人试图赚更多钱。
But Tiffany Aliche is gonna tell you that when it comes to money in your financial life, one of the biggest mistakes is that most of you are trying to earn more money.
你们想靠赚更多钱来摆脱当前的困境，但你们连第一步都没做到——那就是弄清楚钱都花到哪儿去了。
You're trying to earn your way out of the situation you're in, but you haven't even done the first required step, which is to get clear where your money is going.
那我们干脆直接把财务上的绷带撕掉吧？
So how about we just rip off the Band Aid when it comes to your finances?
你需要一个预算。
You need a budget.
是的。
Yep.
我刚说了这个词。
I said that word.
我知道，你讨厌这个词。
I know, you hate that word.
我也是。
Me too.
但你从未听过蒂芙尼·阿利奇用她那种方式解释预算，她会告诉你，预算就像你的妈妈。
But you've never heard Tiffany Aliche explain a budget in the way that she does, and she's gonna tell you, a budget is just like your mom.
预算能帮你理清收入和支出，听她解释为什么这是第一步，会让你获得比你想象中更多的自由与平静。
A budget helps you understand what's coming in versus what's going out, and hearing her explain why this is the first step, it's gonna give you more freedom and peace than you thought was possible.
让我们来听听世界知名理财专家蒂芙尼·阿利奇的第一个理财法则。
So let's take a listen to our first money rule from world renowned money expert, Tiffany Aliche.
所以你的预算就像你的妈妈。
So your budget is like your mom.
她在那里说‘可以’、‘如果’、‘之后’。
She's there to say yes, when, if, after.
所以这其实是一个‘说好’的计划，但以安全的方式实施，让你能保留自己想要的东西。
So it's really a say yes plan, but one that's safely implemented so you can maintain the thing that you want.
对吧？
Right?
所以你可以称之为资金清单。
So you could call it a money list.
我通常从这个开始，因为人们讨厌这个名字。
That's what I usually start with because people hate that name.
我喜欢‘资金清单’这个名字。
I like the name money list.
是的。
Yeah.
资金清单是什么意思？
What does a money list mean?
预算。
A budget.
好的。
Okay.
我
I
我喜欢这种重新定义，因为一听到‘预算’这个词，我就想到‘不行’和限制。
love this reframe because I hear the word budget and I hear no and restriction.
嗯。
Mhmm.
而你却说‘不’。
And you're saying no.
预算就是你对重要事物说‘是’的方式。
That the budget Mhmm.
是的。
Is how you say yes to what's important to Yes.
它实际上并不是用来告诉我不行的。
It's not there actually to tell me no.
它的作用是以最安全的方式找到那个‘是’。
It's there to find the yes in the safest way possible.
所以，对于听到你这么说的人来说，
So, for somebody hearing you say that
嗯。
Mhmm.
他们可能会想，但我从没做过预算，或者从没坚持过
And they're like, but I've never made a budget, or I've never stuck to
一个，嗯。
one Mhmm.
我不知道我的预算该是多少。
I don't know what my budget should be.
比如，你该从哪里开始？
Like, where do you begin?
第一步是把所有支出项目都写下来，就写你钱花在了哪些地方。
Step one is to write everything down, just the words of what do I spend money on.
别想着一个月的事，就一般性地写。
Don't think about the month, just in general.
比如，孩子啊，信用卡啊，美容啊，外出啊，你就只是把词写下来就行。
So it's like, oh, the kids, oh, credit card, oh, grooming, going out, like, just I want you to just write the words.
别想钱的事，只写词。
Don't think about the money, just words.
好的。
Okay.
这就是第一部分。
So that's the first part.
第一步。
Step one.
对。
Yes.
然后第二步是，看着你钱花在哪些方面的清单，估算一下每个月大概花多少钱？
Then step two is, now you say, these words on my money list, how much am I spending approximately monthly?
有些开销你是知道的，比如你的房贷或房租。
Some stuff you'll know, like your mortgage or your rent.
有些开销你可能不太确定，那就去翻一下银行对账单，看看过去几个月你在食品杂货、外出就餐或美容护理上平均花了多少钱。
Some stuff you might not be sure, go pull out your bank statement and see on average the last few months how much you're spending on groceries or eating out or grooming.
或者电费。
Or electricity.
是的。
Mhmm.
或者水费。
Or water.
对。
Yes.
或者那些你根本没怎么留意的开销，天啊，我还有这笔账单。
Or any of those things that you don't even really think, oh my god, I got that bill.
没错。
Exactly.
所以平均来说，这是一个月内的范围，对吧？
So then that's within a month frame on average, right?
这就是第二步。
So that's step two.
好的。
K.
第三步是写下你每个月从所有收入来源中平均赚取的金额。
Then step three is to write down how much you make on average every month from all of your areas.
比如你可能收到赡养费，可能收到子女抚养费，可能有一份工作，不管是什么，你每个月赚多少？
So maybe you get alimony, maybe you get child support, maybe you have a job, whatever that is, how much are you making monthly?
然后第四步，把您每月的支出加起来，再从您的月收入中减去。
Then you add up, step four, you add up how much you're spending monthly and subtract it from how much you're making monthly.
我称之为‘流泪和纸巾’步骤。
I call that the tears and tissue step.
因为通常人们到那里时都会说：我能拿张纸巾吗？
Because usually people get there and they're like, can I have a tissue?
所以当我以前做一对一辅导时，我们会做所有这些，然后人们会说：好的。
So I when I used to do one on ones, we would do all of that and people would be like, okay.
然后我会直接拿一盒纸巾放在那里，因为我知道接下来就要流泪了。
And then I I would literally just grab a box of tissues and just put it here because I'm like, it's about the waterworks.
眼泪要来了。
It's coming.
是的。
Mhmm.
这是因为人们算完了。
It's because people, they added up.
我记得有个护士，我永远忘不了。
I remember it was a nurse I'll never forget.
我叫她B。
I'll call her B.
我去她家的时候，发现那是一套漂亮的公寓。
And I came to her house and it was beautiful condo.
于是我们做了这一步，她开始哭，我也跟着哭了，因为宝贝，我也是个爱哭鬼。
And so we did that step and she started crying and then I started crying because baby, I'm a baby.
她只是说：‘我没想到自己花得这么多。’
And she was just like, I didn't realize how much over I was spending.
她说：‘事实上，我都付不起空调费了。’
And she said, as a matter of fact, I can't even afford the air condition.
就这些了。
That's all.
我可以关掉它吗？
Can I turn it off?
我当时就说：‘太好了。’
And I was like, yay.
对。
Yes.
所以我们开着风扇坐着，因为她一听说我要来就开了空调。
So we sat with the fan on because she just turned on the air condition because I was coming over.
于是我让她把空调关掉。
So I was like, turn off the AC.
风扇就够了。
A fan is fine.
那个流泪和用纸巾的步骤能让你看清现在该做什么。
That tears and tissue step allows you to see what do you need to do now.
所以，假设你已经做了这一步，对吧？
And so, let's say you've done that, right?
你列出了收入和支出的清单，看到了钱的流入和流出。
And you've made the money list, and you see what's coming in and what's coming out.
你直面了现实。
You're like faced with the reality.
是的。
Yeah.
眼泪和纸巾。
Tears and tissues.
是的。
Yes.
你发现自己的支出超过了实际收入。
And you see that you are outspending every what's actually coming in.
嗯。
Mhmm.
下一步是什么？
What is the next step?
下一步是，我想让你在削减开支之前先对支出进行分类，你知道的？
The next step is I want you to categorize your expenses before you get to slashing and dashing, you know?
因为人们都想这么做。
Because that's what people wanna do.
我不再外出吃饭了。
I won't eat out.
我不会的，是的。
I won't Yeah.
我再也不吃饭了。
I'm never gonna eat again.
我再也不在这房子里开灯了。
Never gonna turn the lights on in this house.
去拿蜡烛吧。
Get the candles.
所以我说，把你的支出分成三类。
So I'm like, categorize your expenses into three categories.
第一，你在清单上的所有账单后面标上一个‘B’。
One, I want you to write a b next to all the bills on your list.
账单就是，如果你不付，有人会来敲门问：‘钱呢？’
So bills are, if you don't pay it, someone's gonna come knocking on your door and say, where's Right?
我的，是的。
My Yep.
所以把这些东西旁边都标上b。
So put a b next to all those things.
给我举个例子。
And give me an example.
我知道这听起来像是个很基础的问题，但你的房贷算不算账单？
I know that sounds like a a basic question, but is your mortgage a bill?
是的。
Yes.
房贷是账单。
Mortgage is a bill.
房租、车贷、信用卡、学生贷款，如果你不还，很可能会被起诉。
Rent, car notes, your credit So, card, student if you don't pay, you're likely to be sued.
想想看。
Think about that.
明白了。
Gotcha.
嗯嗯。
Mhmm.
比如，当你在沃尔玛或丝芙兰站着的时候，你会说，哎，我想这个打九折。
Like, when you were like standing at Walmart or Sephora and you're like, yeah, I'd like 10% off this.
然后你突然意识到，哦，等等，这是信用卡。
And then you're like, oh, wait, that's a credit card.
是的。
Yes.
这是一笔账单。
That's a bill.
嗯嗯。
Mhmm.
明白了。
Got it.
所以，好吧。
So Okay.
在你所有的账单旁边标一个b。
A b next to all your bills.
好的。
Okay.
然后这些是固定支出，这样你就明白了。
And then and those are really like fixed expenses, so that way you understand.
对吧？
Right?
然后，我想让你在任何随使用量波动的b前面加上一个u。
And then, I want you to put a u in front of any b that fluctuates based upon your usage.
哦，我喜欢这个方法。
Oh, I love that.
嗯。
Mhmm.
所以，我把这些称为u，代表使用量或公用事业。
So, I call these, like, U stands for usage or utility.
所以，你的学生贷款没有U。
So, your student loan does not have a U.
嗯嗯。
Mm-mm.
你的房贷或房租也没有N。
Your mortgage or rent does not have a Nope.
但是水费。
But the Water.
水费。
Water.
电费。
Electricity.
哦，明白了。
Oh, okay.
你的手机数据流量。
The data on your phone.
是的。
Yes.
因此，将这两者区分开来很重要，因为我想让你明白，你对这些支出拥有多大的控制权。
And so it's important to separate those two because I want you to you'll see that I want you to understand the level of control you have on these expenses.
凡是不属于B或UB的，其他都是C。
And whatever is not a b or u b, everything else is a c.
C代表现金或自主选择。
C stands for cash or choice.
这意味着你在这些支出上拥有完全的自主权。
Meaning that you have full choice of how you spend here.
所以美容护理可能有结余，杂货也可能有结余。
So grooming might be left over, groceries might be left over.
和朋友外出吃饭花多少？
How much eating out with friends?
是的。
Yes.
那么娱乐方面呢。
And so entertainment.
是的。
Yeah.
所以在你开始削减之前，我想让你问问自己：你的钱主要花在哪里了？
And so now, before you get to slashing, I want you to ask yourself, where is most of your money going?
对很多人来说，他们的大部分钱可能都花在了B类和UB类上。
For many people, most of their money might be going to the Bs and UBs.
嗯。
Uh-huh.
但对一些人来说，其实所有的C类开支才是大头。
But for some people, it's actually all the Cs.
对。
Yes.
那么我们就需要进一步明确：你是收入不够的问题，还是支出过多的问题？
So then I then we have to identify, do you have a don't make enough issue or spend too much issue?
所以如果你的大部分钱都花在了B类和UB类上，那你可能是收入不够。
And so if most of your money's going to the Bs and UBs, you might not make enough.
这并不是关于削减，因为这些都是你的账单，你知道的。
So it's not about slashing because these are your bills, you know?
但如果你的大部分钱都花在了C类上——也就是你的选择和现金支出，那你可能是花得太多了。
But if most of your money's going to your Cs, your choices and your cash expenses, then you probably have a spend too much issue.
所以我们现在需要削减开支。
So now we need to slash.
是的。
Yes.
你知道，因为这是娱乐、杂货以及所有那些钱花出去的地方。
You know, because it's entertainment and grocery and and all those things where your money is going.
因为我发现，节俭的人在经济紧张时会想变得更节俭。
Because what I find is that frugal people wanna get more frugal when things are tight.
我说，这并不是解决办法。
I'm like, that's not the answer.
对的。
Right.
你知道，相反，如果所有的钱都花在账单上，我希望你把精力放在学习如何赚更多钱上。
You know, that instead, I want you to put your energy toward learning how to earn more if all of your money's going to your bills.
因为我们是打算削减房贷吗？
Because we're what are we are we cutting the mortgage?
我们到底要削减什么？
What are we cutting?
这没错。
That's true.
你知道的？
You know?
你知道，我担心的一件事是，你和我都经历过大学时期，开学第一周，注册博览会现场到处都是银行的信用卡摊位。
You know, one of the things that I worry about, and I'd be curious to hear your perspective, is that you and I both had the experience of being in college, and it's that opening week, and literally at the opening registration fair there were banks with credit card tables.
你注册一张卡就能拿到一块士力架，然后就变成了免费的钱。
You get your Snickers bar when you sign up for one, and then it's free money.
但我很担心，在当今世界，尤其是对20多岁和30多岁的人来说，社交媒体已经变得像点一下鼠标就能购物一样，而我们当年还得出门才能花钱。
But I worry a lot about the fact that in today's world, particularly for people who are in their 20s and 30s, that social media has become like shopping with a click, and you and I had to leave our house to go spend money back in the day.
当我想到TikTok或Instagram时，每隔一个推荐内容就有一个‘立即购买’按钮，东西直接送到你家。
And when I think about TikTok or Instagram, every other freaking suggested thing has a shop now button, and stuff gets sent to your house.
因为你一直做这行，你有没有注意到，人们的消费行为明显增加了？因为社交媒体让花钱变得太容易了。
And have you seen a big increase, because you've been doing this for a while, in people in the spending category, that spending has gotten so easy because of social media.
这种消费诱惑总是出现在你眼前。
It's always in your face.
你总能看到自己错过的那些东西。
You always see what you're missing out on.
有个网红免费拿到产品，还说‘这彻底改变了我的生活’，然后你就会忍不住点啊点啊点。
There's an influencer that has the product for free who's like, this changed my life, and go click click click.
现在是晚上11点半。
It's 11:30 at night.
是的。
Yeah.
所以你有没有看到这方面的激增，还是
So do you see a spike in this, or is
当然有。
Absolutely.
过度消费已经成为新常态。
It Overconsumption is the new way.
我们每个人都拥有太多不需要的东西。
We all have so much that we don't need.
我的意思是，就连我，有时候也会想，蒂芙尼，你根本不需要再买另一个，你连吸尘器都不用。
I mean, even I, sometimes, I'm like, Tiffany, you do not need, like, another like, you don't even vacuum.
但我就是觉得那个特别酷，你知道吗？而且这是个我关注并喜爱的网红，因为她的内容视觉上太美了。
I'm like, but that one is so cool, you know, and I'm like, like, this is influencer who I follow, who I love her because it's so aesthetically pleasing.
是的。
Yes.
但你知道那种人吗？厨房里的每样东西都追求审美统一，对吧。
But you know the ones that wear like everything in the kitchen is aesthetically Yes.
这些是亚马逊店铺。
Is these Amazon shops.
比如，他们可以点击进入我的亚马逊链接，是的。
Like, they can click through to my Amazon Yes.
所以我免费得到了它。
So I got myself for free.
你购买它的时候，我会赚钱。
I'm gonna make money on you buying it.
一个装容器的容器。
A container for the container.
是的。
Yes.
谁会愿意从麦片盒里吃麦片呢？
It's like, well, who wants to eat cereal out of a cereal box?
我们想从一个美观的玻璃容器里吃。
We wanna eat it out of a aesthetically pleasing glass container.
是的。
Yes.
比如，我需要一个美观的？
Like, I need an aesthetically pleasing?
你不需要。
You don't.
是的。
Yes.
你不爱她吗？
Don't you love her?
你不爱她吗？
Don't you love her?
当她在解释的时候，我在笑自己，因为没错，我确实想从一个美观的玻璃容器里吃麦片，尽管我根本不需要。
I I As as she's explaining, I'm laughing at myself because, yes, I wanna eat cereal out of an aesthetically pleasing glass container that I do not need.
然后我开始想，为什么我不清楚我的钱花到哪儿去了？
And then I wonder, why do I not know where my money is going?
因为我并不清楚自己把钱花在了哪里。
Because I'm not clear what I'm spending it on.
我把钱花在了所有这些我不需要的东西上。
I'm spending it on all these things I don't need.
我只是喜欢她解释问题的方式，因为她会指出你的问题，然后又拍拍你的肩膀，和你一起笑。
I just love the way she explains things because she calls you out and then puts her arm around your shoulder and laughs with you.
我的天，谁会想到记账居然能这么有趣呢？
I mean, who knew that budgeting could actually be fun?
听了蒂芙尼·阿利奇的分享后，难道你不觉得很有道理吗？
And now that you've listened to Tiffany Aliche, doesn't it make sense?
当然，这是第一条规则。
Of course, this is the first rule.
你必须弄清楚自己的钱花在了哪里，因为当你看清了钱的去向，你才能真正掌握自己面临的问题。
You have to look at where your money is going because when you look at where your money is going, now you're empowered to understand the actual issue that you're facing.
我想特别强调这一点，因为我希望你从这条第一规则中抓住核心：你和金钱之间的问题到底是什么？
And I wanna highlight this because I wanna make sure that you get the takeaway here from this first rule, and that is what is your issue with money?
是你赚的钱不够吗？
Is it that you don't make enough money?
问题是这个吗？
Is that the issue?
也许不是。
Maybe not.
问题更可能是第二个，至少对我来说是这样，那就是：天啊，我花得太多了。
The issue is probably the second one, at least this is the issue for me, and that's, wow, I spend way too much.
你可能处于这两种情况之一。
Those are the two places you could be in.
要么是我赚得不够，要么是天啊，我花得太多了。
I don't make enough or woah, I'm spending too much.
一旦你明白了问题所在，就能采取下一步行动了。
And once you understand what's happening, now you can take the next steps forward.
这就是为什么这一点很重要。
That's why this is important.
我还特别喜欢蒂芙尼的另一点。
And here's the other thing I love about Tiffany.
她说，你的金钱清单是为了让你找到那些可以点头同意的事情，让你能对真正想做的事说‘好’。
She says your money list is there so that you can find the yes, so that you can say yes to the things that you want to say yes to.
这非常重要，因为当我们想到钱和掌控自己的财务时，往往只会想到限制、限制、再限制，要节俭，不要为自己花钱，这很糟糕、很糟糕，我们以为这才是减少压力、摆脱困境、获得更多掌控感的唯一方式。
And that's so important because so often, when you and I think about money and taking control of her finances, we think restrict, restrict, restrict, be frugal, don't spend on yourself, bad, bad, bad, and you assume that's the only way to feel less overwhelmed, less stuck, and more in control.
但事实并非如此，现在你知道了。
But that isn't true, and now you know it.
所以接下来我们要怎么做呢？
So here's what we're gonna do.
我们会先休息一下，回来后，我会向你介绍我们的第二位世界知名的财务专家。
We're gonna take a quick break, and when we come back, I'm gonna introduce you to our second world renowned financial expert.
因为现在你已经明白钱都花在哪里了，我想转向我们的下一位财务专家，他会谈到：好吧，有了你现有的钱，只需要考虑四个类别，仅此四个，来决定钱该放在哪里。
Because now that you understand where your money is going, I wanna turn to our next financial expert who's gonna talk about, okay, with the money that you have, right, there are four buckets, only four, that you need to think about when it comes to where you put your money.
当他这样解释时，你会立刻松一口气，因为他会把这件事简化到极致。
And when he explains it this way, you're gonna immediately exhale because he's gonna simplify this so much.
你绝对不想错过这个，所以别走开。
You're not gonna wanna miss this, so don't go anywhere.
在你收听我们杰出的赞助商内容时，复制本集的链接并发送到你的家庭群聊中。
And while you take a listen to our extraordinary sponsors, copy the link to this episode and drop it in your family group chat.
分享给那些对金钱压力巨大、总是为钱担忧的人，也许他们刚刚失业，这集节目正是他们需要的救命稻草和行动指南。
Share this with somebody who is so stressed about money, who's always worried about money, maybe somebody who lost a job, this episode is the lifeline and the playbook they need.
好了。
Alright.
别走开。
Don't go anywhere.
我们马上回来，带来第二条规则——你这辈子听过的最好的理财建议。
We'll be right back with rule number two, the best money advice you will ever hear when we return.
所以请继续关注我。
So stay with me.
欢迎回来。
Welcome back.
这是你的朋友梅尔·罗宾斯。
It's your friend Mel Robbins.
今天，你和我将学习四位世界知名的金融专家的建议，获取你听过最好的理财建议。
And today, you and I are learning from four world renowned financial experts, and we're getting the best money advice you will ever hear.
刚才，你和我刚听完了蒂芙尼·阿里奇的分享，她教我们如何制定一份财务清单，从而不再猜测钱花在哪里，清楚了解收入和支出情况。
Now, you and I just spent time with Tiffany Aliche, and she explained how to make a money list so you can stop guessing about where your money's going and get clear about what's coming in and what's going out.
她还帮助你思考，你面临的是收入问题还是支出问题。
And she also helped you think about whether or not you have an earning problem or a spending problem.
好的，现在我们已经清楚了财务状况，感觉更有掌控感了，接下来让我们借助拉米特·塞蒂进一步深化这种清晰感。
Okay, now that we have a clear idea of where things are and we feel a little bit more in control, let's build on that clarity with Ramit Sethi.
拉米特是《纽约时报》畅销书作者，也是全球最受信赖的理财专家之一。
Ramit is a New York Times bestselling author and one of the most trusted money experts in the world.
他还是奈飞平台节目《如何致富》的主持人。
He is also the host of How to Get Rich on Netflix.
他对金钱有着极其出色且鼓舞人心的见解，因为他将如何处理金钱这个话题简化了，使其变得极易理解。
And he has such incredible and empowering approach to money because he simplifies the topic of what to do with your money and helps make it so easy to understand.
拉米特说，关于你的金钱，你只需要理解四个类别，他现在就要跟你分享这些类别。
Ramit says that there's only four buckets that you need to understand when it comes to your money, and he's gonna share those with you right now.
我特别喜欢这一点。
And here's what I love about this.
一旦你理解了这四个类别以及它们在掌控财务时的重要性，你就会感到更有力量。
Once you understand what these four buckets are and why they matter when it comes taking control of your finances, you're gonna feel empowered.
你尤其会喜欢的一点是，其中一个类别能让你毫无负罪感地花钱在你热爱的事物上。
One of the things that you're gonna love in particular is that one of these buckets helps you spend money on things that you love guilt free.
所以在接下来这段来自《梅尔·罗宾斯播客》的片段中，你将听到拉米特解释这四个类别。
So in this next clip from the Mel Robbins podcast, you're gonna hear Ramit explain these four buckets.
但在他讲解之前，他要先谈一个重要的问题。
But before he does, he's gonna talk about an important issue.
因为一旦你遵循了蒂芙尼·阿里奇的建议，弄清楚自己是支出问题还是收入问题，并采取措施停止所有不必要的开支——这自然会让你手头有更多可支配的钱——拉米特说，你可能会惊讶于自己还剩下这么多钱。
Because once you follow Tiffany Aliche's advice and you understand whether you have a spending problem or you have an earning problem, and you take some of the steps to stop all the unnecessary spending, which of course makes you have more money to play with, Ramit says you might be surprised by how much money you have left over.
这意味着，当你意识到自己真的有钱了，你也将准备好知道该如何妥善使用它。
And that means you're gonna be ready to understand exactly what to do with it now that you see that you have it.
所以，让我们来听听拉米特·塞蒂上次做客梅尔·罗宾斯播客时的说法。
So, let's take a listen to Ramit Sethi when he last appeared on the Mel Robbins podcast.
你会相当惊讶，
You will be quite surprised that a
很多人一旦开始积极管理个人财务，就会发现他们拥有的钱比自己想象的要多。
lot of people discover they have more money than they actually realize once they go on offense with their personal finances.
哦，天哪。
Oh, wow.
好的。
Okay.
那么，我们所有人都需要经历的四件事是什么？
So what are the four things that we all need to go through?
每个人都需要这四个数字。
Everybody needs these four numbers.
这些都属于
These are all part of
我的主动支出计划。
my conscious spending plan.
首先是你的固定开支。
The first is your fixed costs.
好的。
Okay.
这包括你的房租或房贷，是的。
So that would include your rent or mortgage Yep.
你的水电费、车贷、油费、保险，任何固定支出，甚至每月的食品杂货，都算在这里。
Your utilities, car payment, gas, insurance, anything that's fixed, even groceries every month, that goes there.
最低还款额呢？还是属于另一类？是的。
And what about the minimum debt payment, or is that part of another Yeah.
是的。
Yeah.
那也算在这里，没错。
That's that counts there exactly.
展开剩余字幕（还有 480 条）
好的。
That Okay.
这个数额，你应该尽量控制在你税后收入的50%到60%之间。
And that number, you should try to get it between 50 to 60% of your take home pay.
好的？
Okay?
让我把这些都逐一讲一遍，然后再告诉你
Let me let me run through these all, and then I'll tell you
它们分别是什么意思。
what they mean.
税后收入的50%到60%用于固定支出。
50 to 60% of your take home pay for fixed costs.
接下来是储蓄。
Next up, your savings.
你每个月存多少钱？
How much money are you saving every month?
这应该是你税后收入的5%到10%，储蓄则指应急基金，或是至少一到五年内不需要动用的资金，比如买房的首付款等。
This should be roughly five to 10% of your take home, and savings would be an emergency fund or money you don't need for at least one to five years, things like a down payment for a house, etcetera.
接下来是投资。
Next up would be investments.
投资金额大约占税后收入的5%到10%，但我更希望看到更高比例，因为早年开始投资会在将来带来丰厚回报。
Roughly five to 10% of take home, although I like to see it higher because investing early in life pays dividends later.
好的。
Okay.
然后要向梅尔·罗宾斯表示一点歉意。
And then Little shame for Mel Robbins.
我早年没有开始投资。
Did not invest early in life.
你刚才说那番话时，我想特别提一下，因为确实如此。
Just wanted to acknowledge that when you said that because Yeah.
我的意思是，你看。
Mean, look.
人们都这么说。
People say that.
我说，我没那样做过。
I'm like, I didn't do that.
好的。
Okay.
我希望我13岁的时候就开始练硬拉了，但我当时根本不知道那是什么，你知道的？
Well, I wish I started deadlifting when I was 13 years old, but I didn't even know what that was, You know?
所以我们都是从自己所处的位置开始的。
So we all start from the place we start at.
确实如此。
That's true.
好的。
Okay.
最后一个类别是我最喜爱的。
The last category is my favorite one of all.
这是无负担的消费，占到手收入的20%到35%。
It's guilt free spending, and this is 20 to 35% of take home pay.
什么？
What?
是的。
Yeah.
对，没错。
Yeah, that's right.
甜点。
Desserts.
梅尔，去把它们拿过来。
Mel, go get them.
漂亮的羊绒大衣。
Beautiful cashmere coat.
这是给我的。
That's for me.
去把它们拿来。
Go get them.
你想去的话就去买双轮滑鞋吧。
You wanna go you wanna get roller skates.
你想去就去你的健身房吧。
You wanna go to your gym.
占到到手收入的20%到35%。
20 to 35% of take home.
现在，让我告诉你们我为什么喜欢这个，以及我为什么对这四个数字感到兴奋。
Now, let me tell you why I love this and why I'm getting excited about four numbers.
好的。
Okay.
我们中有太多人把自己的生活缩得越来越小，却为一些愚蠢的五美元开销纠结不已。
So many of us shrink our lives, and we agonize over some stupid $5 purchase.
你真觉得一杯咖啡能改变你的生活吗？
You really think coffee is gonna change your life?
这无关紧要。
It's irrelevant.
你买多少咖啡根本无所谓，请别再想这件事了。
It does not matter how much coffee you buy, so please stop thinking about that.
那些和我一样感到不知所措的人。
Those same people who ag and I go, oh, I'm so overwhelmed.
我什么都不知道。
I don't know anything.
我问你，你的储蓄率是多少？
I go, what's your savings rate?
他们说，那是什么？
They go, what's that?
你投资了多少？
How much are you investing?
我试过，但其实我不太清楚。
Well, I tried, but I don't really know.
好的。
Okay.
如果你连关键数字都不知道，又怎么能不感到压力山大呢？
How are you supposed to feel not overwhelmed if you don't know any key numbers?
所以，掌握这四个数字，你就会突然感觉完全掌控了局面。
So know the four numbers, and you will suddenly feel totally in control.
你们中的一些人可能无法达到这些数字。
Some of you aren't gonna be able to hit these numbers.
没关系。
That's okay.
至少我们可以据此调整。
At least we can work with it.
我们已经把拼图块摆上了
We got the puzzle pieces on
桌子。
the table.
现在我们可以开始构建你富足的人生了。
Now we can start assembling your rich life.
哇。
Wow.
好的。
Okay.
我想我可以做到。
I I think I can do this.
所以你只需要在周末抽出一些时间，把这些事情都理清楚。
So you just, like, carve out some time on the weekend and get your arms around these four things.
是的。
Yeah.
这应该只需要十五分钟。
Which should take fifteen minutes.
别想得太复杂。
Do not overthink it.
得花我一段时间。
Gonna take me a while.
真的吗？
Really?
只要十五分钟？
It takes fifteen minutes?
是的。
Yeah.
人们是怎么做的？
Here's what here's what people How do you do it?
你知道吗？
You know?
最大的挑战是人们没有正确的登录信息。
Because the the biggest challenge is people don't have the right logins.
所以他们的登录信息分散各处，比如富达账户，或者一些旧的401(k)账户之类的。
So their logins are spread all they got their Fidelity account or some old four zero one k or whatever.
所以我建议分成两天来做。
So I I would recommend breaking it up into two days.
好的。
Okay.
第一天是
The first day is
先把所有东西都整理好。
just get all your stuff assembled.
太棒了。
Love it.
对吧？
Right?
就像收拾车库一样。
It's like cleaning the garage.
然后第二天，花十五分钟就完成了。
And then the second day, fifteen minutes and done.
别想得太复杂。
Do not overthink it.
好的。
Okay.
我们只需要大概的数字。
We're going for approximate numbers.
好的。
Okay.
就这样。
That's it.
我爱你。
I love you.
我爱爱你。
I love Love you.
爱你。
Love you.
你那个东西是什么来着？
You have that what is it?
85%法则？
The 85% rule?
把这85%做对就行。
Get 85% of this right.
你没问题的。
You're good.
是的，继续过你的生活吧。
Yeah, get on with your life.
你不需要坐着
You don't need to sit
把每件事都优化到极致。
there and optimize everything.
那是浪费时间。
It's a waste of time.
我也非常喜欢这一点，因为当你在生活中犯了重大的财务错误时，情况可能会显得无比绝望。
And I also love this because, like, it can feel so insurmountable when you've made major financial mistakes in your life.
是的。
Yeah.
它为你提供了一个起点，让你可以从这里开始变得更好。
That this gives you a place to start that you can then start to get better from.
我刚刚真的经历了一个巨大的觉醒时刻。
And I just actually had a huge wake up moment.
在这个人生阶段，我无法像那样回答那些数字，对我来说，过去这是因为恐惧、羞愧以及数字太糟糕。
The fact that I can't answer those numbers like that at this stage in my life, for me, it used to be because of fear and shame and how bad the numbers were.
我曾经就是那种人，账单来了，我就是不打开。
I used to be one of those people that the bills would arrive, and I would just not open them.
是的。
Yeah.
很常见。
Common.
因为面对债务让我感到不安，看到自己花了那么多钱也让我很受冲击，因为我本质上是在用根本不存在的钱购物，以此来逃避生活。
Because it was confronting to see the debt and confronting to see how much I had spent because I was basically shopping to escape my life with money that I didn't have.
然后你打开账单，发现：我没这么多钱。
And then you'd open up the bills and be like, I don't have that money.
所以过去是这样，但我觉得现在我还清了所有债务，有了储蓄，并且疯狂地存钱，却还是完全不去看它们。
And so, it used to be that, but I think now that I've paid off all the debt and I have savings and I've maniacally saving, I don't look at it at all still.
好的。
Okay.
让我们谈谈你刚才说的几件非常有趣的事情。
Let's let's talk about a couple things that are so interesting about what you just said.
我喜欢你的坦诚。
I love the honesty.
我们每个人生活中都有些事情，总觉得应该做得更好。
All of us have something in our lives that we are we feel like we should be doing better.
嗯。
Mhmm.
我们往往会把这些问题推开，我非常理解这一点，因为对我来说，那就是健身。
And we kinda push the envelopes away, And I deeply understand this because for me, it was fitness.
我从小半开玩笑地称自己为瘦弱的印度人。
And I grew up half joking, calling myself a skinny Indian guy.
我真希望当时没这么说，因为这句话后来成了我身份的一部分。
And I really wish I had not said that because it became part of my identity.
如果我们中有人这么说：我不会理财，
And, if any of us say something like, I'm bad with money,
我会
I would
我建议你不要这样说。
gently encourage you to not say that.
也许可以换个说法：天啊，我还没掌握理财的技能，但我现在正在改变这一点。
Maybe reframe it and say, Gosh, I haven't learned the skills of money yet, but I'm changing that now.
这太重要了。
This is so important.
如果你刚听到拉米特说‘我不会理财’，请务必认真听清楚，因为他完全正确。
If you just heard Ramit say, I'm bad with money, I want you to pay attention loud and clear, because he's absolutely right.
或者如果你说‘我不懂’。
Or if you say something like, I don't understand.
这太让人不知所措了。
It's overwhelming.
我不擅长数学。
I'm not good with math.
我不擅长数学。
I'm not good with math.
拉米特，你的学生还说过哪些其他话，最能体现他们对金钱的糟糕心理？
What are other things that your students say, Ramit, that really crystallize a terrible psychology around money?
我家人从来就不擅长理财。
My family's never been good with money.
我们全家都不行。
We're all bad.
我永远也还不清这笔债务。
I'm never gonna get out of this debt.
我们总是因为钱吵架，而我就是个过度消费的人。
We always fight about money and I'm just an over spender.
或者是我丈夫负责理财。
Or my husband took care of the finances.
哦，经典。
Oh, classic.
哦，这真让我抓狂。
Oh, that drives me insane.
等一下。
Hold on.
我快气疯了，但我得
I'm getting mad, but I gotta I am
现在对很多事情都感到生气，所以让我
getting mad at multiple things right now, so let me
一个一个来处理。
take them each in turn.
好的。
Okay.
首先，你提到不拆信封，这非常普遍，但我为自己做的，也是我建议的，是每个月花一小时处理财务事务。
First off, what you said about not opening envelopes is totally common, but what I do want and what I do for myself is I spend one hour per month on my finances.
就一小时。
That's it.
仅仅一小时。
Just one hour.
我检查一下收支情况。
I review the CSP.
我和我妻子会谈论钱的问题。
My wife and I talk about money.
等一下。
Hold on.
CSP就是那个所谓的四步自觉消费计划。
The CSP was that conscious spending plan of the four So
所有这些事情。
all those things.
当你为无负担的消费预留了资金时，这被明确界定为：如果你想吃个额外的芝士蛋糕，或者想去看电影，你完全不需要
When you have money carved out for guilt free spending, it is literally defined so that if you wanna eat and get an extra cheesecake or you wanna go to the movies, like, you don't have
感到内疚，因为我知道我的债务正在被偿还，我的房租或房贷也在被支付。
to feel guilty because you know my debt is being paid off, my rent or mortgage is being covered.
我甚至还在存钱。
I'm even saving money.
我存钱不是像刷牙那样刻意去做的。
I'm not trying to save money just like I don't try to brush my teeth.
它是自动发生的。
It is happening automatically.
这甚至比刷牙还好。
It's even better than brushing.
如果你在听，我
If you're listening, I
希望你能感受到一种解脱：你不必因为负债而感到内疚。
hope that's a sense of relief that you don't have to feel bad about having debt.
你不需要
You do not have
去追踪成千上万个你根本不关心的数字。
to track a gazillion numbers that you
根本不关心。
don't even care about.
你确实需要，而且我强烈建议你关注四个关键数字，它们将彻底改变你的生活。
You do, and I would highly encourage you to focus on four key numbers that will totally transform your life.
天哪。
Holy cow.
拉米特的建议太棒了。
Ramit is full of incredible advice.
我敢肯定，当你在听的时候，你会想：天哪。
And I'm sure as you were listening, you're like, oh my gosh.
天哪。
Oh my gosh.
天哪。
Oh my gosh.
我想提醒你，如果想深入了解，完整那一集的链接在节目笔记里，但我们现在先聚焦于他所说的内容。
And I wanna remind you, the link to that complete episode is in the show notes if you wanna dig in deeper, but let's focus on what he said.
有四个类别，这是我们目前唯一需要关注的事情，这些类别非常重要，我想再为你列一遍，确保你真正理解了这个规则：一旦你清楚自己有多少收入，你的钱应该分别流向哪里。
There are four buckets, and that's the only thing that we need to worry about right now, and these buckets are so important that I wanna list them off one more time for you to make sure you really got this rule of understanding where your money needs to go once you understand how much money you have.
第一个类别是固定支出。
So first bucket, fixed costs.
包括房租、房贷、水电费、保险、车贷、最低债务还款、杂货。
That's rent, mortgage, utilities, insurance, car payment, minimum debt payments, groceries.
这些都是你必须支付的开销。
These are the things that you have to pay.
我还想提醒你们，从蒂芬妮·阿利奇那里学到的是，你们的固定预算里其实包含了很多根本不需要的东西，比如我们在亚马逊上买的玻璃容器。
And I also wanna remind you of what you learned from Tiffany Aliche, that there are all sorts of these silly things that you do not need in your fixed budget, like glass containers on Amazon that we are all buying.
它们看起来像是必需品。
They feel like a necessity.
但其实并不是。
They are not.
固定预算非常明确清晰。
Fixed budget, very black and white.
它只包括你必须支付且无法离开的东西。
It is the things you must pay and cannot live without.
这是第一个类别。
That's bucket one.
第二个类别是储蓄。
Bucket two, savings.
那就是你的应急基金。
That's your emergency fund.
此外，如果你有一些大目标，比如想为公寓或房子支付首付，你可能还需要在未来一到五年内预留一些资金。
Plus the money that you may need in the next one to five years if you got some big goals like wanting to make a down payment for an apartment or a house.
第三类是投资。
Bucket number three, investments.
这意味着长期投资，比如退休储蓄、401(k)、IRA、经纪账户等。
That means long term investings, retirement, four zero one k, IRA, brokerage accounts.
顺便说一句，如果你在想，梅尔，我连账单都快付不起了。
And by the way, if you're thinking, Mel, I I can barely pay my bills.
我根本没法考虑储蓄。
I I can't even think about savings.
接下来你要认识的这位专家，会教你一个惊人的法则，教你即使月光或做小时工也能立刻开始储蓄。
The next expert that you're going to meet is going to teach you a amazing rule around how you can start saving now, even if you're living paycheck to paycheck or working an hourly job.
这是一个你一定会喜欢的绝妙技巧。
This is a genius trick you're gonna love.
第四类是无罪恶感的消费。
And that fourth bucket, guilt free spending.
这笔钱是专门留出来让你享受生活的，这样在你努力还账、存钱的同时，不会让自己过得苦不堪言。
This is money set aside to enjoy your life so that while you're working hard to pay off your bills, to put away savings, you're not depriving and punishing yourself.
这个类别允许你购买亚马逊上那些玻璃容器，只要它们能让你开心。
This is the bucket that allows you to buy those glass containers on Amazon if it makes you happy.
因为我记得我和丈夫欠债将近一百万美元的时候。
Because I remember when my husband and I were nearly $1,000,000 in debt.
那是一大堆羞愧和压力，我觉得自己不能花任何钱，真的任何钱，哪怕是一些能带给我快乐的东西。
It was all one big glob of shame and stress, and I felt like I couldn't spend money on anything, and I mean anything, even on things that brought me joy.
事实上，如果我当时有清晰的计划，如果我做了最低还款，如果我能更快地理清生活，设定明确的目标，了解需要多长时间才能还清，我就会发现每个月其实多出20到50美元可以自由支配——这些钱本可以用来看电影、和朋友喝杯拿铁，或者带孩子去波士顿动物园的半日开放日，但我当时被压得喘不过气，因为我根本不知道还有这四个分类。
The fact is that if I had had a clear plan, if I had made a minimum payment, if I had gotten my life in order faster by having a target that I could hit, understanding how long it was gonna take, I would have seen that I had an extra 20 to $50 every month to work with, money that I could use to go to the movies or go get a latte with a friend or take the kids to the half day, you know, admissions day at the zoo in Boston, but I lived in such a state of overwhelm because I didn't understand that there were these four buckets.
所以每一美元都感觉生死攸关，必须全部用来还债。
So every single dollar felt like life or death and that it had to go towards paying off debt.
我觉得自己必须对所有人、所有事说不，包括对自己，因为我的唯一目标就是还债、还债、还债。
I felt like I had to say no to everyone and everything, including myself, because my only priority was debt, debt, debt.
天啊，要是当时我能有这个框架就好了。
God, I wish I had had this framework back then.
因为如果我当初有这四个类别、这四个数字，我就能清楚地看到自己所欠的债务，制定出切实可行的还款计划和时间表，同时还能为自己构建生活，留出少量资金继续享受生活。
Because if I had had these four buckets, these four numbers, I would have had a very clear picture of the debt I was in, a realistic plan and timeframe for paying it off, and a way to build a life, and small pockets of money to still enjoy my life at the same time.
当你陷入沉重债务时，你会开始相信，除非债务清零，否则你就不配花任何钱，这是一种陷阱。
Because when you're in a situation of crushing debt, you start to believe that unless you get to a zero balance, you don't deserve to spend money on anything else, and that's a trap.
这就是我如此喜爱这个框架的原因，因为当你和我丈夫一样犯下重大财务错误时，金钱会显得无比艰难。
And that's why I love this framework, because when you've made major financial mistakes, like my husband and I have, money feels impossible.
而这条第二准则为你提供了一个起点，让你能够一步又一步地重新掌控局面。
And this second rule gives you a place to start and a way to take control step by step by step.
现在，我之前承诺过我们要谈谈如何储蓄。
Now, I promised that we were going to talk about how to save.
当你月月光时，该如何储蓄呢？
How do you save when you're living paycheck to paycheck?
当我们回来时，就会教你具体怎么做。
And when we come back, that's exactly what we're gonna teach you to do.
接下来我们进入第三准则，嘉宾是大卫·巴赫，十本《纽约时报》畅销书的作者。
We're on to rule number three with David Bach, is the author of 10 New York Times bestsellers.
这是一位毕生致力于帮助他人的人。
This is a man who has dedicated his life to helping people.
他因被称为‘自动百万富翁’的理念而享誉全球，他将教你具体该怎么做。
He's globally renowned for this concept called The Automatic Millionaire, and he will teach you exactly what to do.
我指的是那些最微小的决定，即使你只有时薪，即使你靠工资度日，也能帮助你立即开始储蓄。
I'm talking the tiniest of decisions that can help you start saving right now even if you only have an hourly wage, even if you're living paycheck to paycheck.
大卫·巴赫将教你这种技巧。
David Bach will teach you this technique.
他已向数百万人传授过这种方法，它将彻底改变你的财务状况和未来。
He's taught to millions of people, and it will change your financial life and your future forever.
请继续关注。
Stay with me.
我们马上回来。
We'll be right back.
欢迎回来。
Welcome back.
这是你的朋友梅尔·罗宾斯。
It's your friend Mel Robbins.
今天，你和我将在四位世界知名金融专家的帮助下，掌控我们的财务生活。
Today, you and I are taking control of our financial life with the help of four world renowned financial experts.
这是你听过的最好的理财建议，被分解为四个简单易行的规则。
This is the best money advice you will ever hear broken down into four easy to follow rules.
刚才我们已经介绍了蒂芙尼·阿利奇提出的第一条规则，以及拉米特·塞蒂提出的第二条规则，他详细讲解了关于金钱的四个账户，其中一个账户就是储蓄。
Now, we just covered rule number one from Tiffany Aliche and rule number two from Ramit Sethi, where he broke down the four buckets you need to know when it comes to your money, and one of those buckets is savings.
由于储蓄是人们最常问到的财务话题之一，我想进一步深入探讨储蓄，结合大卫·巴赫提供的具体、实用的建议，让你觉得这部分财务生活是完全可以做到的。
And because this is one of the most asked about topics as it relates to money, I wanted to dive even deeper into savings with very tactical insights and specific things you need to do from David Bach, who is going to make this part of your financial life feel doable.
我的意思是，即使你从零开始，从未存过一分钱。
And I mean, even if you're starting from zero, You've never saved a dollar.
大卫是个人理财领域三十年来最受尊敬的声音之一。
David is one of the most respected voices in personal finance for over thirty years.
他撰写了十本《纽约时报》畅销书，其中包括大热之作《自动成为百万富翁》。
He is the author of 10 New York Times bestselling books, including the smash hit, The Automatic Millionaire.
他的书籍销量已超过七百万册。
His books have sold over 7,000,000 copies.
这些书已被翻译成21种语言，他一生致力于帮助数以百万计像你我这样的人摆脱债务、积累真正财富，并停止那些阻碍你前进的错误。
They have been printed in 21 languages, and he has made a career out of helping millions of people just like you and me get out of debt, build real wealth, and stop making the mistakes that are holding you back.
这就是我喜爱大卫的原因。
And here's why I love David.
我喜欢大卫，因为他总能站在你的角度与你对话。
I love David because he has this way of just meeting you where you are.
虽然很多人都在寻求储蓄建议，但你也可能觉得自己根本没钱可存，因为连基本开销都捉襟见肘。
And although a lot of you want savings advice, you also find yourself feeling like you have no money to save because you're barely getting by.
如今，一切东西都变得更贵了。
And right now, everything costs more.
想想汽油价格，它如何推高了杂货价格，以及购买机票、周末外出娱乐，甚至现在买房，可能都感觉遥不可及。
Just think about the price of gas and how that's rippling through the price of groceries or buying the small luxuries like a plane ticket or trying to do something fun over the weekend, buying a house right now probably feels completely out of reach.
如果你正落后于人，或者你身边有人正经历困境，我喜欢大卫·巴赫和你即将学到的第三条规则的原因在于，即使你从一个看似毫无希望的起点开始，他也能让你觉得储蓄是完全可能的。
If you're falling behind or if there are people in your life who are struggling, what I love about David Bach and this third rule that you're about to learn is that he makes saving feel possible even when you're starting from what feels like an impossible place.
他将向你展示，每天小额的储蓄如何随着时间的推移累积成数百万美元。
He is going to show you how small, daily savings can accumulate into millions of dollars over time.
是的，数百万。
Yes, millions.
他还会解释，为什么开始储蓄或追赶进度永远都不算晚。
And he will also explain why it's never too late to start or to catch up.
在我们进入他在梅尔·罗宾斯播客中的这段讲话之前，我想先说明一件事：当他在说话时，你要想象大卫·巴赫手里正拿着一万美元现金，因为他确实拿着。
And one thing I wanna just set up before we jump into this moment from his appearance on the Mel Robbins podcast, as he's talking, I want you to imagine that David Bach is holding $10,000 in cash in his hand because he is.
他带了一万美元现金到演播室。
He brought $10,000 in cash to the studio.
让我们来听听大卫·巴赫在梅尔·罗宾斯播客中分享第三条规则和这条惊人建议时的原话。
So, let's take a listen to David Bach when he was on the Mel Robbins podcast and shared rule number three and this incredible advice.
现在很多人在金钱方面失去了希望，这影响了他们的生活。
A lot of people right now are missing hope when it comes to their money, which is impacting their life.
因此，我相信在金钱问题上，不应该让任何人掉队。
So I believe that nobody should be left behind when it comes to money.
这就是为什么我花了三十年的时间教人们关于金钱的知识。
That's why I've spent thirty years of my life teaching people about money.
所以，现在在这个国家，老实说，梅尔，我们正在把人们抛在后面。
And so the challenge right now in this country, honestly, Mel, we're leaving people behind.
目前在这个国家，每十个人中就有七个人靠工资度日，被抛在后面。
In this country right now, seven out of 10 people are being left behind because they're living paycheck to paycheck.
等等。
Wait.
美国每十个人中就有七个人靠工资度日？
Seven out of 10 people in The United States live paycheck to paycheck?
停一下，
Stop for a
好好想想这一点。
moment and take that in.
这意味着，如果你开车经过一条街，看到十户人家，其中有七户是靠工资度日的。
Because that means if you're driving down a street and there's 10 houses, seven of those 10 are living paycheck to paycheck.
所以，如果你是月光族，有信用卡债务，可能还有学生贷款，并且感到没有希望，我向你保证，你终会看到隧道尽头的光亮。
So if you're living paycheck to paycheck, if you've got credit card debt, you maybe have student loans and you don't have hope, I promise you will see the light at the end of the tunnel.
复利是世界第八大奇迹。
Compound interest is the eighth miracle of the world.
爱因斯坦就是这么说的。
That's what Einstein said.
所以我其实借了一个道具来
So I actually borrowed a prop for
给我们。
us.
好的。
Okay.
行。
K.
我昨天去了一趟银行。
Went to the bank yesterday.
把他们吓了一跳。
Kinda shocked them.
多少钱
How much money
对于正在听的各位，如果你们看不到我，你们猜猜看，这有多少钱？
is For those of you who are listening and you can't see me, how much money would you guess that is, by the way?
那是哪里
What are where are
这些是真的钱。
This those is real money.
这是真钱。
That's real money.
我不知道有多少钱。
I have no idea how much money.
我的意思是，我不知道。
I mean, don't know.
那是几千美元吗？
That's a couple thousand dollars?
有趣的是，我手里拿着1万美元。
So interestingly so I'm holding $10,000.
你手里拿着1万美元？这
You're holding 10,000 This
这是1万美元的真钞。
is $10,000 in real cash.
我手里拿着这笔钱非常重要，原因有很多，人们很可能能理解。
This is a very important amount of money I'm holding here for many reasons that people will probably understand.
当我们做调查并问人们多少钱能改变人生时，最常见的回答是1万美元，这很有趣。
When we've done surveys and we have asked people how much money would change your life, the number one answer has been $10,000, which is fascinating.
对吧？
Right?
不是10万美元。
It's not a 100,000.
这可不是一百万美元。
It's not a million.
这只是1万美元。
It's 10,000.
通常的原因是，这笔钱能帮他们还清信用卡债务，或者提供足够的经济自由，让他们离开不喜欢的工作或关系。
And usually, the reason is it would help them either pay off their credit card debt or give them enough financial freedom to leave their job or in a relationship they don't wanna stay in.
明白了。
Got it.
所以1万美元能换来从工作或关系中的自由。
So $10,000 buys freedom from a job or a relationship.
对很多人来说，这买到了自由。
For many people buys freedom.
现在有个真正有趣的问题。
Now here's the really interesting question.
好。
K.
一年内每天花掉1万美元，需要多少钱？
How much money does it take to blow $10,000 in a year a day?
你每天要花多少钱才能花掉1万美元？
How much money you have to spend a day to blow $10,000?
所以我现在手里拿着一块10美元的砖头。
So I'm holding a brick here of $10.
好的。
K.
很多
A lot of
很多人会想要这块砖头。
people would like this brick.
是的。
Yes.
每天是27.40美元。
It's $27.40 a day.
等一下。
Wait a minute.
每天27.40美元就是1万美元？
$27.40 a day is $10?
一千美元。
Thousand dollars.
好的。
Okay.
那么，梅尔，如果你每天投资27.40美元会怎样？
Now what happens, Mel, if you invest $27.40 a day?
这解释了复利。
This explains compound interest.
如果你在二十多岁时开始每天投资27.40美元，并坚持四十年，以10%的年回报率（这是股市过去一百年来的平均回报率），使用我跟你说过的VTI基金，
If you invest and if you invest $27.40 a day, you're in your twenties, and you do this until for forty years at a 10% rate of return, which is what the stock market has averaged for a hundred years, you use that fund I told you about, the VTI fund.
你最终会拥有442.4万美元。
You'd have $4,424,000.
再说一遍？
Say that again?
如果你每天投资27.40美元，也就是每年1万美元，坚持四十年，你将拥有442.4万美元。
If you invested $27.40 a day, which comes out to $10,000 a year, in forty years, you'd have $4,424,000.
这是一笔巨款。
That's a fortune.
那么问题是，有没有人每天把27.40美元花在愚蠢的事情上？
Now the question is, are there people who are blowing $27.40 a day on stupid shit?
有。
Yes.
有。
Yes.
我们每个人都是。
Every one of us.
嗯，可能正在听的人中就有这样的情况。
Well, probably there are people listening.
他们说：我不是那种人。
They're like, I'm not.
但确实有很多人，包括我们很多人，都在这么做。
But there are there are people there are a lot of us doing it.
对吧？
Right?
因为现在 everything 都太贵了。
Because everything's so expensive now.
每天花掉 27.40 美元根本不需要理由。
It takes nothing to blow $27.40 a day.
现在给我举些例子，说明你在哪里能找到这笔钱。
Now give me examples of how you can find that money.
因为我觉得，当你曾经多年处于月光状态，甚至一度身无分文、背负巨额债务时，
Because because I think when you feel having been somebody that not only was in paycheck to paycheck for a decade, but then was in a situation where I had no money and was in massive amounts of debt.
但当你处于月光状态时，你到底在哪里能省下这 20 美元？给我举些具体例子，钱到底花在哪儿了。
But when you're in paycheck to paycheck, where can you find the 20 give me some examples of where it's hitting.
你得审视一下自己的生活方式。
You've gotta go through your lifestyle.
对吧？
Right?
我的意思是，如今的一切都讲究便利。
I mean, everything today is about convenience.
对吧？
Right?
所以人们每天都点外卖。
So people are getting food delivered to them every single day.
他们根本没留意这花了多少钱。
They're not really paying attention to what that's costing.
人们每天都打优步。
People are taking Ubers every single day.
我的意思是，你得看看自己的生活方式。
I mean, they're just you gotta look at your own lifestyle.
每个人都有些地方在浪费小额的钱。
Everybody's got something that they're wasting small amounts of money on.
人们不会想，如果我每天花5美元，那一个月就是150美元。
People don't think like, if I spend $5 a day on something, that's a $150 a month.
那一年可是超过一千美元了。
That's well over a thousand dollars a year.
才5美元而已。
It's $5.
对吧？
Right?
但如果你每天花27.4美元，那加起来就是10美元。
But if you're spending, again, $27.40, it's $10.
我以前做过一些播客，聊过一百天储蓄挑战。
I've done podcasts in the past in the past where I've talked about a hundred day savings challenge.
好的。
Alright.
我们来做一个百日储蓄挑战吧。
Let's do a hundred day savings challenge.
那是什么？
What is that?
我给人们的百日财务挑战是这样的，特别是那些储蓄不到一千美元的人。
The hundred day financial challenge that I have for people is this, especially people who do not have a thousand dollars in savings.
因为有很多人储蓄不到一千美元。
Because there's a lot of people who don't have a thousand dollars in savings.
所以连续一百天，每天存十美元。
So for a hundred days, save $10 a day.
我该把钱存在哪里？
Where am I putting it?
存在储蓄账户里。
In a savings account.
你完全可以先从在家放一个罐子开始，当然也可以存在储蓄账户里。
Literally, for you could just start off by putting it in a jar in your house, but you could put in a savings account.
对吧？
Right?
这么说吧，就像我奶奶想把钱放进一个咖啡罐里。
Say it like my grandmother wants to put the money in a in a coffee can.
坚持存一百天。
Save it for one hundred days.
然后呢？
And what?
随便选什么。
Pick anything.
哪怕只存一美元，只是为了向自己证明。
It could be a dollar just to prove to yourself.
我其实喜欢把钱放进罐子里，因为能看到它。
I actually like the idea of putting it in a jar because you can see it.
然后你就觉得，哦，我真的在坚持。
And then you're like, oh, I'm doing it.
是的。
Yeah.
所以去想想你的生活，看看你是不是每天浪费27美元？
So go and think about your life and see, is am I is it am I wasting $27 a day?
每天花27.40美元在某件事上？
$27.40 a day on something?
我敢保证我就是这样，因为我敢说，每个月都有我不知道的订阅服务在悄悄从我的银行账户扣钱，加起来可能每天就有27美元。
I guarantee you I am because I guarantee you there are subscriptions I don't even know about that are draining out of my bank account every month that probably add up to $27 a day.
我给你讲个经典故事。
So I'll tell you a classic story.
这其实是个特别有趣的故事。
This is this is a really funny story, actually.
我第一次签售《自动百万富翁》是在纽约的巴诺书店。
One of my first book signings I did for The Automatic Millionaire was in New York City at Barnes and Noble.
所以这个活动，对吧？
So the event, I right?
然后我会回答观众的问题。
And then I take questions from my audience.
这时一位女士站起来说，大卫，我非常喜欢你。
And this woman stands up and she's like, David, I love you.
我读过你所有的书。
I've read all your books.
我读过《聪明女性致富》和《聪明伴侣致富》。
I've read Smart Women Finish Rich, Smart Couples Finish Rich.
我买了《完成者工作簿》，接下来还要买《自动百万富翁》。
I got The Finisher's Workbook, and I'm gonna get The Automatic Millionaire.
她说，但你还没写我需要的那本书。
And she says, But you haven't written the book that I need.
我回答说，哦，其实我大部分书名都来自读者的建议。
And I go, Oh, well, all my book titles for the most part have come from readers.
你需要什么样的书？
What do you need?
她说：我需要一本《晚起步，富终点》。
And she goes, I need start late, finish rich.
哦。
Oh.
全场都笑翻了。
And the room cracked up.
我当时就说：好吧。
And I'm like, okay.
我之前还真没想过这一点。
I hadn't thought about that.
那你多大年纪了？
But how old are you?
她说：我想她大概是五十多岁。
And she says, I'm I think I think she was in her fifties.
好的。
K.
我说，好的。
And I said, Okay.
那我问你个问题。
Well, let me ask you a question.
我没有问，你结婚了吗？
I didn't go, Are you married?
她说，是的，我结婚了。
She said, Yes, I am.
我说，那我想问你的是，你能每天存20美元吗？
I said, So my question to you would be, could you save $20 a day?
除了你目前存的，你还能再多存20美元吗？
More than what you're saving, could you save $20 anymore?
她说，是的，我可以。
She's like, Yeah, I could.
我说，你丈夫每天能存20美元吗？
I said, Could your husband save $20 a day?
她说，我会把它们存起来。
She goes, I would make them.
大家都笑了。
Everybody laugh.
对吧？
Right?
我说，好吧。
I go, All right.
实际上，这是一笔不少的钱。
So that's a lot of money, actually.
你们两个人加起来每天能存40美元。
That's $40 a day between the two of you.
如果你们只是把这笔钱存起来，我给她举了个共同基金的例子，连续投资十五年，看看能值多少钱。
If you just put that in, I gave her an example of a mutual fund, invested that for the next fifteen years, here's what it could be worth.
答案是，这笔钱可能接近五十万美元。
And the answer is it could be worth close to half $1,000,000.
哇。
Wow.
她就说，好吧，所以你的意思是说我还能追上一点。
And she's like, Okay, so you're telling me that I could catch up a little bit.
还能追上一点，对吧？
Could catch up a little bit, right?
我说，咱们就继续往下算。
I go, let's just play this out.
到65岁。
It's 65.
是拥有五十万美元好，还是什么都没有好？
Is it better to have a half $1,000,000 or have nothing?
她说，拥有五十万美元当然好多了。
She's like, it's much better to have half $1,000,000.
我说，太好了。
I said, great.
所以从每天20美元开始。
So start with the $20 a day.
她就说，好的。
She's like, okay.
我可以做到。
I can do that.
对吧？
Right?
因为这就是关键。
Because that's the whole thing.
你得弄清楚自己能做些什么。
You gotta figure out what can you do.
现在听我讲话的一些人，每天能做的比20美元更多。
Some people who are listening to me right now can do more than $20 a day.
是的。
Yes.
你得想清楚自己能做什么。
You gotta come up with what can you do.
但这里有个关键点。
But you but here's a big thing.
五十岁是储蓄、投资和迎头赶上的美好时光。
Your fifties are a beautiful time to save and invest and catch up.
我喜欢大卫解释问题的方式。
I love that David explains things the way that he does.
我的意思是，听他讲话时，他充满热情。
I mean, as you listen to him, and he's so passionate.
我另外喜欢他的一点是，你不相信他吗？
And the other thing that I love about him, don't you believe him?
你相信他，因为他花了三十年帮助像你我这样的人实现目标。
You believe him because he has spent three decades helping people just like you and me do this.
这就是他如此热情的原因。
That's why he's so passionate.
他知道这有效。
He knows it works.
难道你不想这么做吗？
And don't you wanna do this?
难道你不想利用复利吗？
Don't you wanna take advantage of compound interest?
当然想。
Of course you do.
难道你不想让这件事自动化吗？
Don't you want to automate this?
当然想。
Of course you do.
我真的希望你能采纳这些建议。
And I really hope you follow this advice.
现在关键在这里。
Now here's the thing.
在听了第三条规则并听取了大卫·巴赫这个令人惊叹的建议后，我知道你们接下来一定会给我留言、在你们正在收听或观看这个播客的任何地方评论区里问的问题是什么，那就是：梅尔，我月光族，该怎么自动化储蓄呢？
After hearing rule number three and listening to this incredible recommendation from David Bach, I know the number one question that you're going to write to me about, you're gonna put in the comments wherever it is that you're listening or watching this podcast right now, and that question is gonna be, Mel, how do I possibly automate savings when I am paycheck to paycheck?
他说每天存20美元。
He said $20 a day.
我做不到每天存20美元。
I can't do $20 a day.
当我按照蒂芙尼·阿利奇的建议，把我的收入分成这四个部分时，你知道我剩下多少用于储蓄吗，梅尔？
When I just do the advice of Tiffany Aliche, when I divide what I have into these four buckets, you know what I got, Mel, for savings?
我只剩下零钱了。
I got pocket change.
当我支付完固定开销后，只剩下一点零钱，我该怎么办？
What do I do when I just have pocket change left after my fixed costs?
好问题。
Great question.
大卫·巴赫有一个建议。
David Bach has a recommendation.
所以他在这里解释说，你和我生活在一个被称为自动经济的世界里。
So here he is explaining that you and I live in what's called the automatic economy.
基本上，如果你对零钱没有规划，别人就会把它们拿走。
Basically, if you don't have a plan for your pocket change, someone else is gonna steal it.
他还会推荐一些十年前我丈夫和我还在为还债挣扎、月光族时根本不存在的储蓄应用。
And he's also going to recommend some savings apps that weren't even around a decade ago when my husband and I were crawling out of debt, living paycheck to paycheck.
这些储蓄应用能帮助你从今天开始自动储蓄，即使你只打算存几美分、几角钱或一美元。
These are savings apps that can help you start saving automatically today, even if you're talking about nickels, quarters, or a dollar.
大卫·巴赫会告诉你，只要掌控住你口袋里那点零钱，就能立刻让你对财务感觉更好、更有掌控感。
And David Bach will tell you, just taking control of that tiny amount of change in your pocket, it will immediately make you feel better and more in control about your money.
让我们来听听大卫·巴赫解释我们所生活的自动经济究竟是什么，以及当你入不敷出时，该如何开始自动储蓄？
So let's take a listen to David Bach explaining what is the automatic economy that we're living in, and how do you start automatically saving when you're struggling to make the ends meet?
让我们来听听大卫在梅尔·罗宾斯播客中的发言。
Let's take a listen to David's appearance on the Mel Robbins podcast.
让我告诉你这个经济体系中真正发生的事情，因为这可能是你在本播客中听到的最重要的内容。
So let me tell you what's really going on in this economy because this is probably the most important thing you're gonna hear in this podcast.
好。
K.
我们现在生活在一个我称之为自动经济的环境中。
We're living in what I call now an automatic economy.
自动经济。
Automatic economy.
自动经济。
Automatic economy.
好。
K.
好。
K.
自动经济要么让你致富，要么让你一直贫穷。
An automatic economy either makes you rich or it keeps you poor.
现在有很多人，梅尔，正在变得富有。
And there are a lot of people, Mel, right now becoming rich.
事实上，我们将进入一个十年，在这十年里，我认为创造的财富将超过我们一生中任何时期。
In fact, we're going into a decade where I believe more wealth will be created in the next decade than in any time in our lifetime.
真的吗？
Really?
百分之百。
100%.
在美国，通往财富的途径有两条。
There there's two escalators to wealth in America.
明白吗？
Okay?
因为这个系统是被操控的。
Because the system's rigged.
你必须听好这一点，尤其是年轻人。
You need to hear this, especially young people.
明白吗？
Okay?
有两种财富的上升通道。
There's two escalators to wealth.
它们是房地产和股票。
They are real estate and stocks.
你必须拥有房地产，也必须拥有股票。
You have to own real estate and you have to own stocks.
而现在的市场比以往任何时候都更加被操控。
And this market's now more rigged than it's ever been.
当我说到被操控，我的意思是，我们国家的一切都旨在让这两类资产价格上涨。
And when I say rigged, what I mean is everything in our country is designed for those two asset classes to go higher.
所有的税收政策、所有的激励措施、所有存在的机会，都是为投资者准备的。
All the tax laws, all the incentives, all the opportunities that exist are for for investors.
如果你不是投资者，你被甩在后面的速度将前所未有。
If you're not an investor, you are being left behind faster than you've ever been left behind.
今天任何二十多岁的人，都可以从零钱开始投资。
Anyone who's in their twenties today can start investing their change.
没错。
That's true.
你可以从今天就开始投资。
You can start investing literally today.
你可以下载像Acorns这样的应用，每次花钱时都能投资零钱。
You can open an app like Acorns and be investing your change every time you spend money.
你可以一次投资一美元，进入多元化投资组合。
You can be investing a dollar at a time in diversified portfolios.
你可以几乎零成本点击按钮进行投资。
You can click a button at almost no cost.
二十年前这可不是真的。
And that was not true twenty years ago.
二十年前，用少量资金成为投资者有时很困难。
Twenty years ago, it was hard to sometimes become an investor with a small amount of money.
如今，借助科技，整个投资环境已经实现了民主化。
Today with technology, the whole playing field's been democratized.
人们在金钱方面犯的最大错误有哪些，这些错误让他们陷入困境？
What are some of the biggest mistakes that people make when it comes to money that keep them stuck?
好的。
Okay.
第一，关于金钱，你要么对自己的钱有计划，要么别人替你制定计划。
Number one, when it comes to money, you either have a plan for your money or someone else has a plan for your money.
哦。
Oh.
你什么意思？
What do you mean?
让这句话好好想想。
So, like, like, let that sit for a second.
你要么对自己的钱有计划，要么别人替你制定计划。
Either you have a plan for your money or someone else has a plan for your money.
很多人其实都在替你制定金钱计划。
Lots of people have a plan for your money.
自动经济是由你的手机驱动的。
The automatic economy is driven by your phone.
好的。
Okay.
我们整天拿着的这部手机就像一个吸金磁铁。
That phone that we hold all day long is a money magnet.
想想看，把它当作一个吸金磁铁。
Think about that as a money magnet.
我这么说是什么意思？
What do I mean by that?
这意味着这个工具要么在帮你积累财富，要么在让你失去财富。
That means this tool is either helping you build wealth or it's taking wealth away from you.
哦，等一下。
Oh, hold on.
所以手机要么在帮你积累财富。
So the phone is either helping you build wealth.
或者它正在让你失去财富。
Or it's taking money away from you.
顺便说一句，这两种情况都是自动发生的。
And by the way, in both cases, it's automatic.
所以今天发生的情况是，历史上从未有过如此先进的技术来不断从你身上攫取财富。
So what's happening today, there's never been greater technology ever in the history of our lifetime to separate you from your wealth.
但没有人只想一次性地让你失去财富，梅尔。
But nobody wants to separate you, Mel, from your wealth once.
他们想的是让你一生都失去财富。
They wanna separate you from your wealth for your lifetime.
他们称之为客户的终身价值。
They call it the lifetime value of a customer.
好的。
K.
所以当我把你引入我所销售的产品时，我不希望你只买一次。
So when I bring you into whatever I'm selling you, I don't want you to buy from me once.
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