让你胆战心惊的财务决策

我们有一个……

We had a...

现在已经是客户了。

It's now a client.

是我们一个长期客户的父母之一。

It's one of the parents of one of our very long term clients.

这位父母有一个顾问，我觉得他们买了Kiplinger或者随便哪本九十年代的理财杂志上推荐的顶级基金，那些杂志……

The parent had an adviser who I think they bought the top funds that Kiplinger or probably whatever choose any money magazine from the nineties where they...

就是那期说1996年最佳基金的。

The issue where they say the best funds of 1996.

对。

Yep.

那些杂志现在还在。

You know, those those magazines are out there.

这个顾问去给这个客户买了所有那些顶级共同基金，然后我觉得就把这个客户给忘了。

This adviser went and bought this client, all those top mutual funds, and then I think just forgot about this client.

这位客户现在已经八十多岁了。

This client now was in their eighties.

是的。

Yep.

我们经历了互联网泡沫。

We went through the .com bubble.

我们经历了2008年的大衰退，但投资组合从未调整过。

We went through the great recession of two thousand eight and never changed the portfolio.

这些在九十年代风光无限的基金，现在都变成了一星基金，按照……这简直是犯罪。

All these funds that were the high flyers back in the nineties were now one star funds according to It was criminal.

这位八十多岁的可怜人在2008年亏损超过40%。

I mean, this poor person who was in their eighties lost over 40% in 2008.

没错。

That's right.

而且那……

And that...

这个人应该考虑的是保本。

This is a person that should be thinking about preservation of capital.

所以赢了之后就别冒太大风险了。

So don't take too much risk after you've won the game.

这很简单，这就是为什么……

This is easy and that's why...

只要确保你跟得上就行。真正难的部分已经完成了，这其实挺吓人的。

Just make sure you're keeping up with that That's a scary scary thing to actually have the hard part done.

你已经把钱存下来了。

You saved the money.

你让资源为你工作，但你没有根据你的人生阶段和目标来调整计划。

You put the resources to work for you, but you didn't update the plan to make it appropriate for where you were in your stage of life of where you should be in goals.

好吧，这期节目这部分挺让人沮丧的，聊了一堆坏事。

Well, that part of the show is depressing, talking about a bunch of bad stuff.

所以我们换个话题，聊聊一些积极的事情，一些开心的事，还有一些虽然冒险但结果非常好的旅行决定。

So let's move on and talk about some of the positives, some of the happy things, some of the scary decisions, you know, pathless travel decisions that worked out really, really well.

波，我害怕的是这个。

Here's what I'm scary about, Bo.

我意识到我穿的这套服装不透气。

I'm realizing this costume that I put on, it doesn't breathe.

所以我觉得现在这里面得有178度。

So I think it is 178 degrees in this thing right now.

我很庆幸我戴了假发，你看不到我现在流了多少汗。

I'm so thankful that I have a wig on that you can't see how much I'm sweating right now.

我希望在节目结束前我不会脱水晕倒。

I'm hoping that I don't become dehydrated and pass out before this show is over.

我担心的是，现在其实还有另一位主持人跟我们在一起，这位主持人一直想从我手里抢话筒。

What I'm worried about is there's actually another cohost in with us right now and this other cohost keeps trying to take the mic from me.

我跟你说，去youtube.com/moneyguyshow，你会看到我们讨论的所有内容。

I'll tell you, youtube.com/moneyguyshow and you'll see everything we're talking about guys.

这可不是编的。

I mean, you can't make this up.

这种点子就是你想出来的时候觉得挺好，做到一半就开始怀疑自己能不能撑过去。

This is one of those ideas you come up with and then halfway through you're like, am I going to make it through this?

那咱们就来聊聊万圣节特辑里那些正面的、有点吓人的故事，看看你能做些什么。

So let's talk about positive scary stories of things you can do on our Halloween episode.

第一个就是，别害怕为自己想要的东西去争取，哪怕过程不太舒服。

So the first one is don't be scared to fight for what you want even if it's uncomfortable.

这个对我来说还挺有意思的。

And this one was fun for me.

真高兴我们这次聊的是正面故事。

I'm so glad we're doing the positive ones.

希望大家都一直陪着我们听到现在。

Hopefully, everybody stayed in there with us.

我想跟你们讲讲我第一次买车贷款的经历。

I wanna give you the story of my first car loan.

我大学刚毕业那会儿。

I graduated college.

我当时就是那种特别疯狂的人。

I was just one of these crazy people.

我爸妈让我对信用卡特别害怕。

My parents had me so fearful of credit cards.

我上大学的时候都没办信用卡。

I didn't get a credit card in college.

虽然大学里发信用卡就像发糖果一样，你办一张卡还能送一包薯片。

Even though they were handing out credit cards like candy in college, you know, you get a credit card and give you a bag of potato chips.

我太怕信用卡了，所以大学里一直没办。

I was so scared of credit cards, I didn't get one in college.

所以我一毕业，还没正式毕业就找到工作了，但我需要一辆新车。

So when I get out of college, I get a job before I even graduated but I needed a new car.

因为我的车太旧了。

I mean, because my car was old.

都快散架了。

It was falling apart.

我朋友都叫它“破车”，我老婆那时候还愿意跟我约会，我就知道她是真爱我的，因为我整天开着那辆生锈的破车到处跑。

It was called the Ragallir by all my friends and this is how I knew my wife loved me is because she she was dating me while I was driving around this rusty old car.

所以我就去申请了人生第一笔车贷，买了那辆1994年的二手马自达626。

So I went to go get my first car loan for this 1994 used Mazda six two six.

哦，那车

Oh, that

听起来不错嘛。

sounds like a peach.

哎，别提了。

Oh, man.

那是手动挡的，还有个隔离...

It was manual speed and it had the isolate...

摇摆风扇，还有个酷炫的功能。

Oscillating fan and it had a cool feature.

说到科技感，那可真有的聊。

Mean, talk about gadget factor.

车里有个摇头风扇，这真是闻所未闻。

An oscillating fan in your car, that's unheard of.

但这车真的很棒，我记得我需要贷一万美元。

But this thing was awesome and I remember I needed a $10,000 loan.

好的。

Okay.

我去银行说，嘿，我有工作了。

Went to the bank and I said, hey, I got a job.

看，这是我的录用通知书。

Look, here's my offer letter.

带薪休假。

Paid vacation.

一年能赚两万八。

Gonna be making $28,000 a year.

简直算是有钱人了。

Practically rich.

你不想借我这笔钱吗？

Don't you wanna lend me this money?

然后银行回复说，不行。

And the bank came back and said, nope.

我们不借给你。

We're not lending you the money.

真的吗？

Really?

我就想，才一万美元。

I was like, it's $10,000.

我有工作了。

I got a job.

他们却说，你没有信用记录。

And they're like, you have no credit history.

我们不借给你。

We're not lending you the money.

你需要让你的父母来共同签名。

You need to get your parents to cosign.

这个故事对你的意义就在这里。

Here's what the point of this story is on you.

不要害怕为你想要的东西去争取。

Don't be scared to fight for what you want.

我去找了分行经理，好吧。

I went to the branch manager Okay.

我说，你看，我刚大学毕业，拿到了会计学位，准备去考注册会计师，因为我要去一家公共会计师事务所工作。

And I said, look, I just graduated college, graduated with an accounting degree, go be a CPA because I'm going to work for a public accounting firm.

这是你把我变成客户的机会。

This is your opportunity to turn me into a customer.

这是你唯一的机会，因为最终我会买房子。

This is your one shot because eventually I'm gonna be buying houses.

最终我会存更多的钱。

Eventually I'm going to be saving more money.

你们肯定希望我成为你们的客户。

You want me as a customer.

你觉得呢？

What do you think?

他说，让我先打个电话，看看能不能办到。

He said, let me let me make some phone calls and see what I can do.

没跟你开玩笑，不到三个小时他就回电了，说我觉得你说得很有道理。

I kid you not, within three hours he called me back and he goes, I think you make a great point.

我们会给你批这笔车贷，不需要担保人。

We're gonna give you that car loan without a cosign.

没跟你开玩笑，你得去争取你想要的东西。

I kid you not, you gotta go fight for what you want.

Bo，我想夸你一句。我在播客里提过这事，你是我招助理时采访的第一位候选人。

I wanna I wanna give you a compliment, Bo, and I've talked about this on the podcast You were my first interview when I was hiring associates.

那是十年前的事了。

This is ten years ago.

是的。

Yep.

而且我很喜欢那次面试。

And I liked the interview.

我觉得你表现得很棒，但我有点怕你，因为你太像我了。

I thought you did great, but I was a little scared of you because you reminded me too much of me.

我当时想，我要去培养这个人，把他变成行业里的猛将，然后他肯定会去开自己的公司。

I was like, I'm gonna go train this guy, turn him into a beast in the industry and then he's gonna go start his own company.

我为什么要招这样的人进来呢？

Why would I wanna go bring somebody in like that?

然后过了两个月，你打电话给我，问我为什么没得到那份工作。

And then two months goes by, you call me back and you say, why didn't I get the job?

结果电话结束时，你已经说服我，让我觉得不招你是个错误，我就在那通电话里直接给了你工作。

And by the end of the phone call, you had convinced me that I had made a mistake by not hiring you and I gave you the job right there on that phone call.

没错。

That's right.

所以你愿意出去争取你想要的东西，即使那让你不舒服。

So you were willing to go out there and fight for what you wanted even if it was uncomfortable.

然后这让我想到了《创智赢家》里的芭芭拉·科科伦。

And then it made me think about Barbara Corcoran on the Shark Tank.

很多人不知道，我超爱看《创智赢家》。

A lot of people don't realize, you know, I love the Shark Tank.

你看那个节目，看到芭芭拉在，就会觉得，哦，芭芭拉一直都在。

When you watch that and you see that Barbara's on the show, you're like, okay, Barbara's always been on the show.

不是的。

No.

其实事情是这样的，芭芭拉一开始被邀请上《创智赢家》。

What happened was Barbara was offered the show on Shark Tank.

她告诉了她所有的朋友和家人。

She told all of her friends and family.

就在她准备飞往洛杉矶开拍的四天前，她接到一个电话，说谢谢，但不用了。

Four days before she was supposed to fly out to LA to start filming, she gets a call saying thank you, but no thank you.

没有。

No.

他们说，我们在《创智赢家》上决定换个方向。

We decided to go a different direction on Shark Tank.

你不再是我们要请的那个人了。

You're not going to be the person we bring on anymore.

所以芭芭拉写了一封邮件，一封非常严厉的邮件，我很喜欢她发给高管的那句话。

So Barbara, she wrote an email, a very harsh email, and I like this quote that that she sent to the execs.

信里说，我把你们的拒绝当作幸运符，因为我生命中所有美好的事情都是伴随着失败而来的。

It said, I consider your rejection a lucky charm because everything that ever happened in my life came on the hills of failure.

确实是这样。

I mean, it's true.

我觉得她愿意这么做很棒，而且我觉得这个故事还有更多内容。

I I think it's great that she was willing and I think there's even more to the story.

我觉得她甚至飞到了那边，真的给那个节目的执行制片人马克·伯内特施加了很大的压力。

I think she even flew out there and really put the hammer to Mark Burnett who's the executive producer for that show.

我

I'm

就是

just

告诉你，要愿意为自己想要的东西去争取，即使那让你不舒服。

telling you, be willing to fight for what you want even if it's uncomfortable.

下一个，就是要在人群中脱颖而出。

The next one, standing out from the crowd.

走少有人走的路，是值得的。

It pays to go the road less traveled.

我们来说说这方面的例子。

Let's talk about some examples on this.

我不想把话题都扯到我和你身上，但我觉得分享一些个人故事也很重要。

I hate to make it all about me and you but I think that it's important that we can share personal stories too.

我是怎么得到第一份工作的。

How I got my first job.

你们需要知道的是这个。

Here's what you guys need to know.

我算是个不错的学生。

I was a decent student.

我毕业时GPA挺高的。

I graduated with a good GPA.

但我不是那种坐在前排的学生，在佐治亚大学读会计的时候。

But I was not what I call a front row sitter in in public accounting where, you know, getting my accounting degree from UGA.

而且……

And...

因为那个项目很好。

Because that's a good program.

非常好的项目。

Really good program.

每年排名都很靠前，而且当时……

Ranks highly every year and it was...

这个项目确实很厉害。

It's considered a program.

我选它的原因是我知道只要读了它，毕业就能找到工作，因为这个项目太难了。

The reason I chose it is because I knew if I took this, I would graduate with a job because it's such a hard program.

每个人出来都有工作。

Everybody comes out with a job.

所以问题是，面试的时候，我并不是那种坐在前排的人。

So the thing is, when I was interviewing, I was not a front row sitter.

我知道我的成绩没有那些来面试的公共会计公司的人那么好。

I knew I did not have the grades as good as some of the people who were interviewing when these public accounting firms came.

但我去参加了一个面试，其中一家会计公司的合伙人说，嘿，我看到你来自乔治亚州的麦克多诺。

But I went through one of the interviews and the partner at one of the accounting firms said, hey, I see you're from McDonough, Georgia.

我们在麦克多诺有个客户。

We have a client in McDonough.

他接着告诉我那是一家当地的五金店。

And he proceeded to tell me it was a local hardware store.

我当时就说，我认识那家五金店的老板。

I was like, I know the owner of that hardware store.

所以我就顺着那条线走，当他们邀请我和另外五个人参加第二轮面试时，我就想，我要去面试他们的客户。

So I I followed that away and when they invited me back with five other people for a second interview, I was like, I'm gonna go interview their client.

我要去跟他们的客户聊聊，看看这家公司有什么不同，或者至少拿到足够的信息，让我能从其他参加第二轮面试的人中脱颖而出。

I'm gonna go talk to their client and find out what makes this firm different or at least get enough information that I can stand out from everybody else who's coming back for that second interview.

他们在我入职后两三年才告诉我，他们之所以录用我，是因为我居然真的去面试了他们的一个客户，这让他们印象深刻，觉得这比其他任何应聘者都做得更到位。

They told me two to three years later after I got the job that the reason they hired me is because they were so impressed that I went and actually interviewed one of their clients that they felt like that was a step above and beyond what anybody else who was interviewing for the job.

这让我脱颖而出。

It made me stand out.

博，我们也复制了这种做法。

Bo, we replicated this.

你有个朋友当时在找财务规划方面的工作。

You had a friend who was trying to find a job in financial planning.

没错。

That's right.

他最后终于在一家公司得到了面试机会，你跟我提过他要去的。

And he finally got an interview at a firm and you mentioned to me he was gonna go interview.

我当时就说，我知道那家公司。

I was like, I know that.

我认识那家公司的合伙人、老板，还有创始人。

I know the partners and the owners of that firm, the founders.

我说，让你的朋友给我打个电话，我们聊聊我对这些人的了解，因为我在会议上见过他们。

I said, Have your friend give me a call and let's talk about what I know about these guys because I see them at conferences.

他确保在面试时把这点融入了谈话中，你猜怎么着？

He made sure that he worked that into his conversation during that interview and guess what?

就像魔法一样。

It's like magic.

就像仙尘一样。

It's like pixie dust.

他得到了那份工作。

He got the job.

他得到了那份工作。

He got the job.

所以我告诉你，一定要想办法让自己脱颖而出，尤其是当你要去……

So I'm telling you, make sure that you try to stand out especially when you're trying to go...

如果你知道自己要做的事情会让你看起来和别人一样，你就得想清楚自己要做些什么来让自己与众不同。

If you know you're going to do something that you're going to look like everybody else, you've gotta figure out what you're gonna do that makes you different.

打扮成霍华德·斯特恩那样，或者打扮成琼恩·雪诺，或者打扮成一条龙。

Dress up like Howard Stern dressed up as Jon Snow or dressed up like a dragon.

这就是你必须愿意从人群中脱颖而出、与众不同的地方。

I mean, this is the stuff you've gotta be willing to stand out from the crowd to be different.

我想先声明一下。

I'd like to just put a disclaimer.

布莱恩并不是建议你穿着戏服去参加面试。

Brian did not just suggest to go into a job interview in a costume.

我觉得

I think

我觉得这

I think it

是个很重要的

was an important

点。我注意到你也开始出汗了。

thing to I noticed you're starting to sweat too.

是啊，我也在出汗。

I am.

这里头得有4000度。

So it's 4,000 degrees in here.

4000度，我……

4,000 I

看你头上都冒汗珠了。

see the beads of sweat bubbling up on your head.

真是同病相怜。

Misery loves company.

我只想让你知道，痛苦需要陪伴，所以我很高兴，因为等我摘下这个的时候，我肯定会浑身湿透。

I just want you to know, misery loves company, so I'm glad because when I take this off, I'm going be dripping wet.

所以我想告诉大家，我站在人群中很显眼，回到我们最后雇的两个人，顺便说一句，我们不是去找他们的。

So I wanna tell people I'm standing out from the crowd getting back on Our last two hires, by the way, we didn't go find them.

没错。

That's right.

是的，你听过我们……

Yes, you've heard us...

顺便说一句，你在节目里听过我们提到我们在找新的合伙人。

By the way, you've heard us mention on this show that we're looking for a new associate.

我告诉你，我快进一下。

I will tell you, I'll fast forward.

我们刚雇了个人，上周发了录用通知。

We just hired somebody, made an offer last week.

他们昨天才告诉我们接受这份工作，播客听众们。

They just let us know yesterday they're taking the job, podcast listener.

对。

Yep.

他们几个月前听到我提过这件事。

They heard me mention that a few months ago.

嘿，我们想扩大团队。

Hey, we're looking to grow the family.

他们正好住在本地。

They happened to live locally.

我们和他们进行了面试。

We interviewed with them.

他们现在要和我们一起工作了。

They're now gonna be working with us.

他们之所以脱颖而出，是因为他们听了播客，主动联系我们，抓住了这个机会。

They stood out from the crowd because they listened to the podcast and reached out to us and took the chance.

同样的事情也发生在卡特身上，稍后你会见到卡特，他会来授课……

Same thing, Carter, who you'll meet meet Carter in a little bit when we have him teaching...

在吃这些味道超难吃的怪味豆。

Eating these horrible tasting bean boozled jelly beans.

卡特听了播客，主动联系我们，听说我们要从亚特兰大搬到这里，他就说，嘿，我想跟你们聊聊。

Carter listened to the podcast, reached out to us, heard we were transitioning from Atlanta up here and he said, hey, I want I wanna talk to you guys.

他做得特别出色，从人群中脱颖而出。

He went above and beyond and stood out from the crowd.

正是这种精神让你走向成功。

That's the stuff that makes you successful.

然后，博，你已经提到沃伦·巴菲特了。

Then, Bo, you've already mentioned Warren Buffett.

沃伦·巴菲特总是想做个逆向投资者。

Warren Buffett is always trying to be a contrarian.

他努力与众不同，而且他常说，别……

He's trying to be different from the crowd and the fact that he talks about don't...

当机会像雨一样降临时，别只拿个顶针去接。

You know, when it's raining opportunity, don't pick up a thimble.

去拿个桶来。

Go pick up a bucket.

对，你说得对。

Yeah, you got it.

你说得太对了。

You nailed it.

我知道我说得对，我抓住了重点。

I know that I nailed the I got the gist of it right though.

你肯定想从人群中脱颖而出。

You definitely want to stand out for the crowd.

在处理财务和投资的时候，你肯定想与众不同，对吧。

You want to be different when you're thinking about how you handle your finances That's and invest as right.

下一个，职业选择。

The next one, career decisions.

哦，这个真的说到我心坎里了，因为我觉得我们看到太多人在这件事上栽跟头了。

Oh, mean, this one hits close to home because I feel like we see so many folks that really botch this one.

我们遇到过几个，我在政府工作的时候也经常看到这种情况，我当过好几年的专员和学校董事会成员，大概十二年，这种事我见得太多了。

We've had a few and I've seen this also in my time working in government as I was a commissioner and a school board member for a number of years, a dozen years and I saw it all the time.

我们来聊聊其中的几个。

Let's talk about a few of these.

要着眼长远，心里要有你的愿景规划。

Think long term with an eye towards your vision plan.

也就是说，每次做职业决定时，你要想清楚最终目标是什么，或者我想达到什么样的位置，而不是只想着接下来六个月会怎样。

Meaning that you need to go into each career decision thinking about what does the end look like or where am I trying to be versus hey, what's the next six months look like?

我觉得短期的眼光帮不了你达到目标。

I think a short term vision is not going to help you get there.

我想过几个例子，然后我们再讲些故事。

I wanna go through a few of these and then we'll tell some stories.

接下来，有时候你可能需要退一步，才能更进一步。

Next, sometimes you may need to take a step back to take a step forward.

我觉得我们新招的那个助理，他会听这个播客的。

I think that the new associate that we've hired, he's gonna listen to this podcast.

他肯定会……

He's gonna...

我觉得他会认同这一点。

I think he will agree.

他现在已经在做财务顾问的工作了。

He's already working in the capacity as a financial advisor.

这其实算是横向发展，让他能接触到只收咨询费的业务模式，也有机会在那边多学习。

He's essentially taking a step sideways so that he gets into the fee only side of the business and has some opportunities to learn that side.

他往后退一步是为了将来更好地前进，这是个明智的做法。

That is a smart move that he's taking a sidestep to get forward in the future.

这是最后一点，也是我们有最多故事可以分享的一点。

Here's the last one and this is the one that we probably have the majority of the stories on.

别为了五千块钱就做出错误的决定。

Don't make a bad decision for $5,000.

这又回到了我们最开始提到的愿景规划，要清楚自己的机会在哪里，以及自己想要达到什么目标。

It goes back to that first thing about the vision plan of understanding what your opportunities are, where you wanna be.

我得跟你说，有些人……

I gotta tell you, there's people...

我给你讲个县委员会的例子。

Let me give you the one from the county commission.

以前我当委员的那个县，看到警察离开去别的县，就为了多拿1200到3000美元的工资，而他们离养老金计划生效只差两个月，这真的让我很心痛。

It used to break my heart when I'd see police officers leaving the county that I was a commissioner in to go to another county to take a $1,200 to a $3,000 pay raise when they were two months from being vested in the pension plan.

这太糟糕了。

I mean, that is horrible.

你知道养老金计划有五年生效期。

You realize you had a five year vesting period.

这些警察已经干了四年十个月，然后他们提交辞职信要走。

These are officers that had been there for four years, ten months, then they put in their notice to leave.

这真的让人心碎。

That breaks your heart.

道理是一样的。

It's the same thing.

我们遇到过一些人，我们向他们发出了邀请，而我们是一家规模较小但发展迅速的公司，所以就像快艇和大洋邮轮的区别。

We've had people where we've made an offer to them and we're a smaller, fast growing company so it's just like a speedboat versus an ocean liner.

我们要行动。

We're going to move.

我们要灵活。

We're going to be nimble.

我们要成长。

We're going to grow.

我们要抓住机会，迎难而上，做我们该做的事。

We're going opportunity, grab those horns and do what we're supposed to.

我搞砸了好多事情。

I'm screwing up all kinds of things.

就是要抓住机会。

Just gonna grab those horns.

我们要抓住机会。

We're gonna grab those horns.

看到有人因为对方多给两千块就跳槽去大公司，我心里真不是滋味。

It breaks my heart when I see people go to a more established company because they offered them $2,000 more.

这其实是没考虑长远发展。

It's not thinking about the long term.

为什么这是个陷阱呢？

Why is that a trap?

我觉得这是个陷阱，是因为大公司有时候在起步阶段会给你更高的奖金或者底薪。

The reason I think that that is a trap is that bigger companies sometimes can offer you a bigger incentive or a bigger base salary on the front end.

这其实是个陷阱，因为他们想把你招进来，但你在大公司待个五到十年，根本不会有那种灵活小公司能提供的机会。

It's kind of a trap because they're trying to get you in but your progress five years, ten years just is not going to have the opportunity that nimble company.

初创公司之所以提供限制性股票单位和股票期权，是有原因的。

There's a reason that startups offer restricted stock units, stock options.

他们是想给你和公司一起成长的机会。

They're giving you opportunities to grow with the company.

所以一定要好好考虑这类事情。

So make sure you're thinking about those type of things.

冒险一试，这就是行动...

Taking a risk, here's move...

在我继续下一个话题之前，你还有其他职业方面的问题吗？

Did you have any other career ones before I moved on to the next one?

没有了。

No.

我觉得你说到点子上了。

I think you hit that.

我觉得很多方面也是，如果你在考虑创业、换工作或者转行，你真的得想想那种退一步海阔天空的道理，因为我们经常看到有人做着薪水不错的工作，或者已经适应了现在的生活方式，那你是不是开始放弃一些东西呢？

I think a lot of it is also, if you're thinking about starting a business, changing jobs, or changing into a new industry, I think you really have to think about that taking a step back to take a step forward because we see all the time someone who's in a job making x amount or they're established in their current lifestyle, and are you starting to take parts of it off?

天哪。

Dude.

天哪，那可不是全身心投入的样子。

Dude, that's not committed to the cause.

我跟你说，你会发现这个节目的节奏跟我感觉热不热直接相关。

I will tell you, you're gonna notice the speed of the show is directly correlated to how hot I feel.

所以继续吧。

So keep going.

我不是故意打断你的，所以脱掉我的……发生了什么？

I didn't mean to interrupt you by So taking off my what's happening

很多人想换职业、想跳槽或者想转型，但他们做不到，因为他们担心生活水平下降或者要退一步。

is a lot of folks want to make that career change or want to make that jump or want to make that pivot, but they can't because they're nervous about taking that decrease in lifestyle or taking that bump back.

我觉得如果你有长期计划，而且你……

I think if you're gonna have that long term plan and you...

如果你想活得与众不同，你就得过得与众不同。

If you want to live like no one else, you have to live like no one else.

如果你想做不一样的事，你就得做你从未做过的事。

And if you wanna do something different, you have to do something you've never done.

所以我觉得这一点很重要，要记住。

So I think that's something important to keep in mind.

这正好可以过渡到我的下一个问题。

And that's a great transition point to the next one I had.

我下一个想说的是，趁年轻要敢于冒险。

The next point I had was taking a risk while you're young.

我真心觉得，风险偏爱年轻人，也会眷顾年轻人。

I really do believe the risk favors and smiles upon the youth.

你把他调整好了。

You got him adjusted.

对，我搞定了。

Yeah, I got him.

各位，我知道我们一直在说博肩膀上有个龙纹身。

Guys, I know we keep pointing out Bo has a dragon on his shoulder.

你们只需要知道这一点。

That's all you need to know.

去看看吧，youtube.com/moneygoshow。

Go check it out, youtube.com/moneygoshow.

但趁年轻冒险这一点，我已经提到过创业公司了。

But taking a risk while you're young, I've already mentioned startups.

他们可能一开始给不了你那么多钱，但机会可能是巨大的。

They might not be able to offer you as much money on the front end but the opportunity could be tremendous.

我们有不少客户在加州或者国内其他地方，他们为生物科技或初创公司工作，而且已经看到了回报。

We have quite a number of our clients that are out there in California or even in other parts of the country where they work for biotech or start up companies and they've seen it pay off.

我说的是他们年轻时就能拿到七位数的回报。

I'm talking 7 figure payoff situations while they're young.

我们有些客户已经搬了家。

We've had clients that have moved.

这个我觉得是值得考虑的重要一点。

This is one that I will tell you is an important thing to consider.

我们有个客户以前住在阿拉巴马州。

We had somebody who lived in Alabama.

我觉得他不会因为我们分享他的故事而生气，他是个播客听众，但他从阿拉巴马搬到了加州，去为一家公司工作，干了好几年，通过那些激励措施赚了不少钱，然后带着一大笔钱回到了阿拉巴马。

I don't think he'd get mad for us sharing he's a podcast listener, but moved from Alabama to California to He go work for a did it for a number of years, really good money through those incentives, and then moved back to Alabama with a big pot of money.

说得没错。

That's exactly right.

他早早冒了那个险，现在正在收获回报。

He took that risk early on and now he's reaping the rewards of that.

上周我接了个客户电话，那客户的公司被收购了，被一家私募股权公司买走了。

I had a client call just last week with a client that got bought out by the company, got bought out by a private equity company.

他有机会把资金重新投回公司。

He had the opportunity to reinvest back into the company.

通常我们建议，你总可投资资产的5%以上不要投在你工作的公司，因为你已经有很多净资产和人力资本跟这家公司绑在一起了。

Normally, we recommend you don't do more than 5% of your total investable assets with the company you work with because you already have so much of your net worth and your human capital tied up with this company.

但这种情况，他对这家公司特别有信心，所以打算多冒一点险。

But this is one of those situations where he was so confident in this company that that he was working with that he is going to take a little bit more of a chance.

如果是四五十岁的客户，我可能会让他踩刹车，但年轻客户的话，我说，如果你真的这么看好，这就是你试试看的机会。

A client in their forties, fifties, I might have told him to put the brakes on but a younger client, I said, if you really feel this this strongly about it, this is your chance to see if it works.

对。

Yep.

然后还有一个我们要详细讲的话题，就是创业。

And then here's here's another one that we're gonna go into greater detail, starting a business.

我觉得如果你能在年轻的时候迈出这一步，确保你已经投入了一万小时，确实在你想要从事的领域达到了专家水平，但尽量趁年轻去做，我觉得这是明智之举。

I think if you can take that jump younger, make sure you have the ten thousand hours, that you actually have reached expert level in what you wanna do for a living, but do that as young as possible and I think that's a smart move.

我们接下来要说的这个，虽然很难，也很吓人，但其实是件好事，就是把自己的心态从存钱者转变为花钱者。

The next one we had, it's a hard thing, it's a scary thing, but it's a positive thing, is flipping your mindset from being a saver to a spender.

我们经常遇到这种情况。

We deal with this all the time.

我觉得我们大多数播客听众都会同意，这确实让人害怕。

And I think most of our podcast listeners would agree that that's scary.

我就是一个存钱的人。

I'm I'm a saver.

我喜欢存钱。

I save money.

一想到花钱，人们就会浑身起鸡皮疙瘩。

You think about spending, that makes people break out in hives.

我有一些客户。

I have clients.

这真的很有意思。

I mean, it's so interesting.

你们中有不少人，正在收听这个节目，来获取购买房车的建议。

A few of them, quite a few of you are listening to this show where you come and get guidance on buying RVs.

没错。

That's right.

买约翰迪尔护腿，或者买一辆宝马。

Buying gaiters, you know, John Deere gaiters or buying a BMW.

买不起宝马。

Can't buy a BMW.

你不欠任何人任何东西，而且你有这么多钱。

You don't owe anybody anything and you have all this money.

如果你真的想要一辆宝马，那就去买一辆吧。

If you really feel like you want a BMW, go get you one.

我喜欢帮助人们尽可能高效地使用他们的钱，直到你真的把这些钱花出去。

I mean, there is something I love helping people be as efficient with their money as possible to the point that you are really deploying those dollars.

但把从存钱到花钱这个角色转换过来，真的挺酷的。

But there is something really cool about flipping that script from being a saver to a spender.

没错。

That's right.

因为你已经走过了那条少有人走的路，承担了那些风险，也经历了延迟满足和自律。

Because you have lived that life, the the road less traveled and taken those risks and also done the the the deferred gratification and been disciplined.

如果你已经达成了那些目标，从存钱切换到花钱也没什么不对，而且帮别人理清这个过程也很有趣。

There's nothing wrong if you've reached those goals with flipping the switch from saver to spender and it's fun to help people work through that.

在我和你着火或者至少开始融化之前，最后要讲的是创业。

The last one to close out before me and you catch on fire or at least start melting is starting a business.

我跟你们说，这个我觉得改变了我的人生。

I will tell you guys, this is one that I think changed my life.

正是这个，才让博能打扮成一条龙，我打扮成霍华德·斯特恩扮的琼恩·雪诺。

I mean, this is what makes it possible for Beau to dress up like a dragon, me to dress up like Howard Stern dressed up like Jon Snow.

确实，就是因为我能创办一家公司。

It is it is definitely that I was able to start a company.

我对自己想创造的东西有一个愿景，而且它已经实现了。

I had a vision for what I wanted to create and it's it's worked out.

我要告诉你，冒险然后成功走出来，是这世界上最让人有成就感的事情之一。

And I will tell you it's one of the most fulfilling things in the world to take a risk and then come out on the other side positive.

现在我想给你一些建议，这样你就能正确地去做这件事。

Now I wanna give you some guidance so you can do this appropriately.

当你冒险的时候，我喜欢的是我们正在用新的软件来写节目笔记。

When you take a risk, what I love is we're using new software for show notes.

我关于这个话题的所有笔记都不见了。

All my notes I put in on this topic disappeared.

所以这些都是我直接凭脑子想出来的。

So this is all coming straight off the brain.

不错。

Solid.

没关系。

That's okay.

我们就这么干吧。

We're rolling with this thing.

所以我要告诉你的是这个。

So here's what I tell you.

三思而后行，而且你最好有足够的现金储备和积累，因为我觉得大多数人创业失败，不是因为才华不够。

Measure twice, cut once and the fact that you better have some cash reserves and things built up is because I think where most people don't fail when they start a company, it's not on talent.

通常是因为他们没有提前想好、规划好，确保有足够的流动性，这样才能熬过那三到五年的艰难时期。

It's typically that they didn't think ahead and plan well enough to have liquidity so they can make it through the three to five years that you're going to be going through a drought.

说实话吧。

Let's face it.

总会有一段时间，人们会对你持观望态度，因为你的新业务还没被证明能行，所以他们会暂时不插手。

There is going to be a period where people are going to be unsure, you're unproven that your new business is going to work so they're going to be hands off for a period of time.

确保你有一个商业计划，同时也要有一个流动性计划，帮你度过那段缓慢的时期，因为当人们意识到‘哎呀，他们挺过来了’的时候，情况就会好转。

Make sure you have a business plan as well as a liquidity plan to get you through that slow period because then it kind of piles on when people realize, Oh, wait a minute, they've made it.

他们会成功的。

They're going to be successful.

嘿，我也想加入。

Hey, I want to be a part of that.

你会发现，通常是在你取得一定成功之后，大家才开始纷纷加入。但这就是为什么你要确保自己有那个计划，能够撑过最初几年的艰难时期。

You'll notice that everybody starts piling on usually after you've reached the level of success but that's why it's make sure you have that plan that you can make it through that hard drought period in the first few years.

我还想告诉你，能让你保持正确心态的一件事是，当你考虑要跳出来创业的时候……

I'd also tell you that one of the things that's going to keep your mindset right is that when you are thinking about making the jump of starting a business...

顺便说一下，我们做过关于愿景规划和创业的播客，等你加入Smart Money Club后，可以搜索一下。

By the way, we've done podcasts on vision planning and starting businesses so go do a search on that once you join the Smart Money Club.

还要确保你在开始之前就有一个计划，明确你做这件事是为了什么，以及你为什么做。

It's also making sure that you have a plan on the front end of what you're doing it for and the why you're doing it.

因为如果你不能明确为什么要自己单干，那就别做，因为你只是想逃避生活中一些不好的事情，比如不喜欢你的老板，不喜欢早起。

Because if you can't put together why you wanna go out on your own, don't do it because you're just trying to run away from some bad things that are going on in your life that you don't like your boss, that you don't like getting up early.

这些都不足以成为你单干的理由。

That's not good enough for why you should go out on your own.

你需要朝着一个目标前进，因为那将会是某种成就。

You need to be running towards a goal because it is going to be something.

这就是那个原因，是那种成就感，是那些让你觉得自己其实不是在工作的东西，因为这才是让你充满动力的所在。

It's the why, it's the fulfillment, it's the things that make you think that you're really not working because this is what makes you tick.

这才是你热情的所在。

This is where your passion is.

这真的是那句老掉牙的话，那句被用得太滥、听起来有点俗气的话。

And it really is that that crazy adage, that thing that's all hokey and used too much.

如果你做自己热爱的事情，你这辈子就一天都不用工作。

If you do something you love, you'll never work a day in your life.

不过这话说得太对了。

So true though.

而且这确实是千真万确的。

And it is it is definitely truth.

Bo，是不是该开始骚扰我们的……

Bo, is it time to start harassing our...

顺便说一句，这些我们也要吃掉。

By the way, we're gonna eat these too.

我不知道我有没有跟你说过。

I don't know if I told you.

不不不。

No, no, no.

我们应该让他们来做，你不用付钱。

We should just have them You don't do get paid.

你不用拿那个，不不不。

You don't get the one No, no, no.

应该让他们来做。

Should have them do it.

你只要……

You just...

不。

No.

我们就要这么做。

We're doing this.

这是大团队，小我。

It's big team, little me.

高中橄榄球，我没参加，但所有高中橄榄球队的队员都穿着写着‘大团队，小我’的T恤。

High school football, I didn't do it, but everybody who was on the high school football team wore shirts that say, Big team, little me.

我们要把这些人请进来。

We're gonna bring these guys in.

让我先把这个设置好。

Let me go ahead and set this up.

其实，通过视频剪辑的魔法，我们会去把他们带过来，然后我会解释我们怎么玩这个‘豆豆挑战’的规则。

Actually, through the magic of videography, we'll go grab them and then I'll explain the rules of how we're gonna do the beam boozled.

我们回来了，整个‘金钱伙伴’团队都在这里。

We're back and we have the whole abound Money Guy team here.

令人兴奋的是，在我左边，是疯帽匠，加布·塔利先生。

What's exciting, to my left, I've got the Mad Hatter, mister Gabe Tally.

加布，你想挥挥手吗？

Gabe, you wanna wave?

说点什么吧？

Say anything?

大家好。

Hey, everybody.

很高兴来到这里。

Happy to be here.

没有……

None...

你们很多人和Gabe一起工作过。

A number of you guys work with Gabe.

所以你们都认识Gabe。

So you know Gabe.

这就是为什么我们这么兴奋，能向大家介绍和分享每一个人。

This is why this is so exciting that we get to introduce and share everybody.

在我右边，Corinne，你看起来棒极了，但我

To my right here, Corinne, you look spectacular, but I

我完全不知道你是谁。

have no idea who you are.

这是弗瑞兹老师。

It's miss Frizzle.

我敢打赌……

And I'm gonna get bet...

我敢打赌布莱恩不知道弗瑞兹老师是谁。

I'm gonna bet that Brian does not know who miss Frizzle is.

没错。

True.

对还是不对？

True or false?

不对。

No.

我认识的卡通人物里，没有哪个肩膀上会站着一只鬣蜥。

I know no characters with an iguana on your shoulder.

就是《神奇校车》里的弗瑞兹老师。

Miss Frizzle from the Magic School Bus.

我们大家都知道。

All all of us knew that.

是因为我老了吗？

Is that because I'm old?

这个嘛……

It's...

我觉得是。

Think so.

我本来不想说，怕显得不礼貌。

I didn't wanna say it to be rude.

好吧。

Okay.

那我就不用介绍《权力的游戏》里的龙了，就是波和他这里的吉祥物。

I don't have to introduce the Game of Thrones dragon, which is Bo and his mascot here.

但他右边是卡特·托马斯先生，扮演的是夜王。

But to his right is mister Carter Thomas as the Night King.

你其实……

You're actually...

我得说实话……

I gotta be honest....

太吓人了。

Terrifying.

那东西真吓人。

That thing is scary.

其实真的挺吓人的……

It's actually pretty terrifying....

有点过头了。

Out a little bit.

所以，卡特，你现在穿这身估计得有400度了吧。

I mean, and so and, Carter, you're probably 400 degrees in air right now.

里面很热。

Hot in there.

所以，各位，事情是这样的。

So so here's the thing, guys.

你和这些人一起工作，他们在幕后努力让节目变得精彩。

You work with all these people, and these guys are all working behind the scenes to make the show awesome.

我们想做点有趣的事，同时也想娱乐大家。

We wanna do something fun, but also entertain you.

因为当我们穿着角斗士那样的服装时……

Because, I mean, while we're wearing gladiator type...

我觉得我得拿出罗素·克劳的那股劲儿，问一句：你们难道不觉得过瘾吗？

I feel like I had to channel my inner Russell Crowe and talk about, are you not entertained?

所以我们要玩一个“豆子挑战”的游戏。

So we're gonna do some bean boozled.

这个游戏的规则是，这些豆子有好的也有坏的。

So the way this is set up is that these things have good and they have bad.

你吃到好糖还是坏糖，概率是五五开。

It's a fifty fifty shot that you're getting a good jelly bean versus a bad jelly bean.

好。

Alright.

我们快速来三轮。

We're gonna do three quick rounds.

第一轮，你拿起糖，吃下去，不许吐出来……

The first round, if you take your jelly bean, you take it, you consume it, and don't spit out...

注意，谁都没有水。

Notice nobody has water.

把那水拿开，Bo。

Move that water away, Bo.

没有水。

No water.

虽然我们这边都快热化了。

Even though we're on fire over here and melting.

谁都没有水。

Nobody has water.

如果你吃下第一颗糖豆，就能得到一块钱。

If you consume your first jelly bean, you get a dollar.

哦。

Oh.

没错。

That's right.

我们现在很有动力。

We're motivated right now.

我们是被钱驱动的。

We're money motivated.

所以等我们过了第一轮，没人吐出来，你就有资格进入第二轮。

So after we make it through the first round and nobody spits up, you qualify for the second round.

等你吃了第二颗糖豆，那一块钱会神奇地变成五块钱，因为我是扮成琼恩·雪诺的霍华德·斯特恩。

That $1 after you eat your second jelly bean will be turned into magically, because I am Howard Stern dressed up as John Snow, into $5.

所以如果你第二颗糖豆没吐出来，那一美元就变成五美元。

So if you don't spit out the second jelly bean, that $1 turns into $5.

然后我们直接跳到第三轮。

And then we fast forward to round three.

如果你能撑过三颗糖豆，就变成十美元。

If you make it through three jelly beans, it turns into $10.

一千……

A thousand...

哦，十块。

Oh, 10.

十美元。

$10.

十美元。

$10.

哦，我们预算有限啊。

Oh, we have a limited budget here.

我们在YouTube上还差一千美元，这已经把我们给员工买软糖的预算全花光了。

We're a thousand dollars away on YouTube, it's eaten up all of our budget for jelly bean funding for our employees.

所以，我们这样来操作。

So so here's how we're gonna do this.

记住，这是五五开的机会。

Now remember, it's a fifty fifty shot.

好。

Alright.

五五开。

Fifty fifty.

盖布，因为你在我的左边，你先来。

Gabe, since you're to my left, you get to go first.

现在，我打算这样做……

Now the way I'm gonna do this...

然后你转一下。

And then you twist.

我觉得，我觉得你把它拧开，然后……

And I think I think you turn it open and...

往上拔，再拧。

Pull up and twist.

往上拔，往上拔，再拧。

Pull up pull up and twist.

对了，就是这样。

There you go.

然后现在往下按。

And now push down.

现在往下按。

Now push down.

有一种可能的情况。

One possible thing.

Gabe，这其实更好了。

This is actually even better, Gabe.

棕色的。

Brown.

因为有两个棕色的。

Because there are two brown ones.

那我告诉你这些可能是什么。

So let me tell you what these could be.

不。

No.

不。

No.

不。

No.

别别别那样做。

Don't don't do that.

直接吃吧。

Just eat it.

别别别，别看颜色。

Don't don't look at the colors.

别看颜色。

Don't look at the colors.

它甚至没有。

It doesn't even have.

要么是罐装狗粮，要么是巧克力布丁。

It's either canned dog food or chocolate pudding.

不。

No.

因为现在你会有期待了。

Because now you're gonna be expecting it.

不，别再看了，不。

No no more looking at the No.

哦，好的。

Oh, okay.

你可以……

You get to...

那你准备好了吗？

So you're ready?

一、二、三。

One, two, three.

现在罐头狗粮听起来也没那么糟糕了。

Now canned dog canned dog food doesn't sound all that bad.

在所有……

Of all the...

哎呀。

Uh-oh.

我想……

I guess...

我拿到的是巧克力布丁，对吧？我猜我们从来没拿到过罐头狗粮。

I got chocolate pudding, didn't I guess we never got canned dog food.

我拿到了罐头狗粮。

I got the canned dog food.

巧克力布丁也不错。

Chocolate pudding's not bad.

好的。

Alright.

开始吧。

Here we go.

这个尝起来就像苹果一样。

This tastes just like apple.

开始吧。

Here we go.

开始吧。

Here we go.

现在该给我那一美元了。

I'll take my dollar now.

天哪……

Here we Oh gosh....

不止一次。

More than once.

哦，太可怕了。

Oh, that's horrible.

好吧。

Alright.

那女士优先。

So ladies first.

你要第一个吗？

You're take one?

我们三个都

The three of us have

得吃。

to.

因为我不知道什么

Because I don't know what

是绿色。

green is.

所以我就把棕色留着，因为我们知道棕色是什么。

So I'm gonna leave brown because we know what brown is.

嗯，我们得告诉它。

Well, we need to tell it.

那要么是……

That's either...

嗯，我们得猜。

Well, we have to guess it.

等等。

Hang on.

等等。

Hang on.