沒錢怎麼辦？為甚麼會沒錢？沒錢怎樣財務自由？如何創造被動收入。。Why no money? Want financial freedom? How to create passive income

不是“赚钱”就能致富， Earning money" cannot get rich, 不要以为自己的工作很努力、很聪明、 Don’t think that if you work hard, smart, 工作时间很长， Working long hours, 就能实现自己的财务梦想，财务自由 Then you able to reach your target and achieve financial freedom Hello, 大家好，我是 Hailey Hello, everyone, I am Hailey 如果你是第一次来到我的频道， If you come across my channel for the first time, 我的频道是关于理财规划，投资理财， My channel is about financial planning, investment planning, 在我们一生之中，不同阶段所需知道的理财知识。 Everything in financial planning that we need to know at different stages in our life. 如果你有兴趣了解更多相关的内容，就要订阅我的频道， If you are interested to know more, please subscribe to my channel, 还有记得点击旁边的小铃铛， And remember to click the little bell next to it, 这样就不会错过我之后的影片了。 So that, you won’t miss out my future videos. 在现在这个时代，我们很多人都会遇到一个问题就是没有钱， Nowadays, many of us will face a problem which is not enough money. 然后就会觉得没有钱怎样理财呢？ And think of no money, how to have financial planning? 可是，为什么会没有钱呢？ But why is there no money? 没有钱的原因有两种，第一是收入少，花费高， There are two reasons for no money. The first is low income, high expenditure. 第二是收入不低，可是不管你是什么行业， The second is the income is not low, but no matter what professional are you in, 到了一定的阶段你的收入就会受到限制， At a certain stage, your income will be limited, 起薪不再像以前那么多，通常只是少过5%。 The increment no longer as much as before, maybe just under 5%. 到这个时候，我们就会发现没有钱，不够钱。 At that time, we will find that no money, not enough money. 接下来，我就会告诉大家为什么会没有钱？没有钱要怎么办？ In this video, I will tell you why there is no money? What to do if no money? 要怎样理财，怎样达到财富自由？ How to have financial planning and achieve financial freedom? 首先，跟大家分享一个小故事。 First, share a short story with you. 故事前先来介绍下丹·艾瑞里Dan Ariely Before that, let’s know who is Dan Ariely 他是杜克大学著名的美国心理学及行为经济学教授。 He is a well-known Professor of psychology and behavioral economics at Duke University. 他研究我们的大脑如何经常愚弄我们自己。 He studied how our brains often fool ourselves. 人类的进化依赖于视觉， Human evolution depends on vision, 人脑的大部分都在处理视觉信息。 Human brain processes visual information most of the time. 但我们的眼睛经常误导我们。 But our eyes always mislead us. 你如果不相信，就看看下面的例子 If you don’t believe it, just look at the following example 如果我问你，哪张桌子更长， If I ask you which table is longer, 是左边窄的桌子，还是右边宽的桌子呢？ Is it the narrow table on the left or the wide table on the right? 大部分人会自然而然地选择左边窄的桌子。 Most people will naturally choose the narrower table on the left. 如果你也是给了同样的答案，那么你就错了。 If you give the same answer, then you are wrong. 两张桌子的长度一模一样。 The two tables are exactly the same length. 不信，看看这里，长度是一样的。 Believe it or not, look here, the length is the same. 不服，好，我们再来一次。 Not satisfied, well, let's do it again. 同样一张图，同样的两张桌子，哪张桌子更长呢？ The same picture, the same two tables, which one is longer? 你是不是还觉得左边窄的桌子更长呢？ Do you still think the narrow table on the left is longer? 你已经知道答案了，但是你的大脑仍然继续欺骗你。 You already know the answer, but your brain continues to deceive you. 你就是觉得左边窄的桌子看起来更长。 You still think the narrow table on the left looks longer. 你的眼睛所看到的跟不上你的大脑所想到的。 What your eyes see cannot follow what your brain thinks. 艾瑞里Dan Ariely在演讲中说 Dan Ariely said in his speech “我们的直觉一直在愚弄我们，利用不断重复的事、 Our instincts have been fooling us, repeated same things, 始终不变的方式让我们无法正确的做决定， Prevents us from making the right decision, 让我们束手无策。” Make us helpless. 我们做决策的时候容易受到错觉影响， Our decision-making is susceptible to intuition, 就算我们知道被错觉影响可是还不去更正。 Even if we know that we are affected by the illusion, we still didn’t think to correct it. 就好像我们明明知道我们的养老金不够， Just like we knew our retirement fund is not enough, 却只有少数人为自己制定财务规划。 But only a few people have financial plan for their future. 长期的财务规划太复杂，所以选择什么都不做。 Long-term financial planning is too complicated, so choose to do nothing. 我们不知道为什么就忘了我们的能力是有限的。 We don’t know why we forget that our abilities are limited. 艾瑞里Dan Ariely说 Dan Ariely says 我认为，如果我们能够认识了解我们大脑认知的局限性 I think if we can understand the limitations of our brain 就像我们认识了解自己身体的局限性一样， Just like we accept the limitations of our own body, 我们就能把整个世界设计得更美好。 We can design a better world 很多人的专业是医生，工程师，IT，他们了解自己的行业， Many people are doctors, engineers, IT, they expert in their industry, 可是对于投资不清楚，不了解， But don’t know about investment, 想要投资，就跟风， When they want to invest, they just follow the trend, 朋友说什么股票好，外汇好，就把钱都投进去。 Friends say which shares are good and forex is good, then they invest all their money. 结果，买了不知道几时卖，一直盲目的跟着别人， As a result, they did not know when to sell after bought, just follow blindly. 别人说什么好就买，没有正确的投资规划， Buy whatever that others say is good, without proper investment planning, 最后亏得血本无归。 Finally lost all money. 就算亏了一次，也会再重复同样的错误， Even if they lose once, they will repeat the same mistake again. 觉得这次和上次不同，一定可以赚钱， And feel that this time is different from the last time, definitely can make money, 可是结果还是一样。 But the result is still the same. 再来，瑞·达利欧是美国的著名对冲基金经理他曾经说过。 Next, Raymond Dalio is a famous hedge fund manager in the United States said. 在进入森林之前，他会问自己： To enter the forest, the first question he will ask himself is: “我不知道的有哪些？” "What I don't know?" 如果知道自己的局限，就能适应的调整， If you know your limitations, you can adapt and adjust, 进而取得成功。如果不知道自己的局限，就会受到伤害。 And achieve success. If you don’t know your limitations, you will be hurt. 所以无论我们的收入是高还是低，我们还是面对现实吧， So whether we have a high income or a low income, let's face it, 不是“赚钱”就能致富。 It is not "earning money" to get rich. 这是很多人的错误概念。 This is the wrong concept of many people. 我们误以为，只要自己努力工作、很聪明、 We mistakenly believe that as long as we work harder and smarter, 工作时间更长，省吃俭用， Work longer, less expenses, 就能实现自己的财务梦想。 We can achieve financial freedom. 但是靠薪水，不管它有多高， But only rely on salary, no matter how high it is, 都不能让你真正富有，实现真正的财务自由。 Impossible to make you rich and achieve financial freedom. 所以我们先要改变思维， So we must first change our mindset, 然后才可以为以后的每一步做好准备， Then you can prepare for each step in the future, 才能一步一步迈向财务自由。 Towards financial freedom. 如果你还是认为自己只靠工作赚钱就能实现财务自由， If you still think that you can achieve financial freedom by earning from work, 我们来看看这些案例 Let’s take a quick look at these cases 传奇棒球投手科特·席林Curt Schilling的职业生涯神奇得简直不可思议， The baseball pitcher Curt Schilling is incredible. 帮助波士顿红袜队Boston Red Sox夺得了两个世界大赛总冠军， Helped the Boston Red Sox win two World Series championships, 自己赚到了1亿美元。 made 100 million US dollars. 但是后来，他把自己所有的储蓄都投入了一家网络游戏创业企业， But later, he invested all his savings in an online game startup company. 结果企业破产了，席林也破产了 The company went bankrupt, and Schilling also went bankrupt 流行音乐天王”迈克尔·杰克逊， The King of Pop Michael Jackson, 跟据报道曾签署一份价值近10亿美元的唱片合约， It has reportedly signed a contract worth nearly 1 billion, 唱片销量超过7.5亿张。 Recorded sales exceeded 750 million. 尽管如此，迈克尔·杰克逊2007年濒临破产， Nevertheless, Michael Jackson was on the verge of bankruptcy in 2007, 因为无法偿还梦幻庄园2500万美元的贷款。 Because unable to repay 25 million loan. 杰克逊花钱就像他永远也花不完一样， Michael Jackson spends money like he wish whenever he want, 但是后来他还是花完了。 But then he still finished it. 两年后，杰克逊去世。 Two years later, Michael Jackson died. 据报道，他负债超过3亿美元。 According to reports, he has more than 300 million in debt. 你有没有注意到，不管你的工作能赚多少钱， Have you noticed that no matter how much money you can make from your job, 你总有办法把它全部花掉？ We still have a way to spend it all? 看看上面的例子，你可以清楚地看到， Looking at the example above, you can clearly see that 不只普通人，那些巨星也是如此。 Even those superstars 我们似乎都有方法赚多少就花多少， We all seem to have a way to spend as much as we earn, 我想，有些人肯定花的比赚的还要多。 I think some of us might spend more than how much they earn. 我们能做到的是，简单地改变一下我们的投资理财策略， What we can do is to change our investment and financial planning strategy, 接受一个全新的思维模式。 Accept a new thinking. 你必须掌控并利用复利的神奇力量让财富增长。 You must control and use the magical power of compound interest to grow our wealth. 复利的力量会完全改变你的人生！ The power of compounding interest will completely change your life! 大多数人刚开始投资会犯下的最大错误是什么。 What is the biggest mistake most people make when investing in the first place. 就是没有充分利用复利的巨大威力，复利能够利滚利， Is not utilise the huge power of compound interest 拥有翻倍再翻倍的增长魔力。 It has the magic of doubling and doubling growth. 复利是力量无比强大的工具， Compound interest is an extremely powerful tool. 以至爱因斯坦Einstein称复利是人类历史上最重要的发明。 Even Einstein said compound interest is the most important invention in human history. 你如果停止工作，就会停止赚钱， If you stop working, you will stop making money, 复利能在你睡觉的时候照样不断地赚钱。 Compound interest can keep making money while you sleep. 也就是说，在你拿到工资收入之后， In other words, after you get your salary, 在支付自己的日常生活花费前， Before paying for your daily expenses, 你先要决定你能从工资收入拿出多少钱来储蓄， You must first decide how much money you can save from your salary income. 不管你生活是好是坏，这些钱你都不会动。 Regardless of whether your life is good or bad, you will not touch the money. 开始这条财务自由之路的方法，就是做出一个简单的决策， The way to start this road to financial freedom is to make a simple decision, 开始利用复利的无比巨大的力量。 Begin to use the power of compound interest. 最终，你能赚多少钱并不重要。 It doesn't matter how much money you can make. 正如我们前面看到的那些例子， As we saw in the previous example, 如果你不能从自己的收入中拿出一部分储蓄起来， If you can’t save part of your salary income, 你可能就会全部花费掉。 You may be spent all 但是，并不是把储蓄的钱放到床底下 However, it is not storing the money you set aside under your bed 你必须把这些钱放在一个更好的地方， You have to put the money for savings in a better place, 有机会钱生钱，持续增值。 Which has the opportunity to make money and continue to appreciate. 也就是说，你必须把这些钱用作投资。 In other words, you must do investment. 而投资也要选择正确的投资产品，根据投资规划投资， Must choose the right investment product, based on investment plan, 这样你会看到你的钱增值、再增值 Then you will see your money growing and growing 要记住的是，除非你承诺每次拿到收入都拿一部分来储蓄， Unless you promise to set aside your income for savings every month 不然你根本不能开始发挥复利的巨大威力。 Otherwise you can't start to exert the tremendous power of compound interest 在这个影片，有跟大家分享早开始复利和迟开始复利的分别， In this video, I shared on the difference on the compounding interest effect 为什么我们应该立即开始投资。 Why should we start investing now 如果还没有看的话，可以点击看看。 If you haven’t watch, you can click here to watch. 所以，没钱是因为没有储蓄，没有储蓄就不能投资， No money because of no savings, and you cannot invest without savings. 没有储蓄就说明你只是一个靠工资赚钱的人。 No savings means that you are just a person who earn money from work. 就算你很早开始储蓄， Even if you start saving early, 也要看回自己储蓄的钱投资到对的投资产品吗？ You also need to check your savings whether invest in the right product 有在钱生钱吗？ Is your money earning money? 有些人一直储蓄为了投资一门生意， Some people have been saved to invest in a business, 投资生意，创业没有错，可是还是需要投资规划， Nothing wrong to invest in business, but still need to have investment planning. 这样才能避免全部钱都投资生意亏掉了。 To avoid losing all your money in business invested 我们不应该局限于自己的错觉， We should not limit our own illusion, 开始投资规划，定期储蓄、持续投资， Start investment planning, save regularly and invest continuously, 为了自己和自己家庭的未来创造终身收入。 Create lifetime income for yourself and your family 山顶上的人不是从天上落到山顶上的。 The people on the top of the mountain did not fall from the sky to the top of the mountain. 也就是说我们还是要一步一步的往山上爬， That means we still have to climb to the top of the mountain step by step, 可是我们可以选择哪一条路比较容易爬， But we can plan which path is the easier way to the top of mountain 思维正确才能坚持我们的财务自由之路。 The way towards financial freedom need to have right mindset 好了，今天的分享就到这里， Okay, that's all for today's sharing, 如果觉得内容有帮助的话，帮我按个like， If you find the content helpful, please click like 还有欢迎你在下方留言互动，有什么心得也可以分享出来。 You are also welcome to leave a message below, and share your comment 如果你有什么特别想知道的理财内容， If you have any financial planning question that you would like to know 或者关于投资理财，理财规划的问题也可以在下面填写表格， Or anything about investment planning, you can fill in the form below 让我知道哦。 I will contact you. 想要看到接下来的影片， If you would like to watch my future video 记得关注我的频道， Remember to subscribe my channel 我们下次再见哦 See you next time Bye Bye Bye Bye