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Here are the two basic concepts in acquiring wealth.
以下是获取财富的两种基本概念。
The first one is: for every 10 coins that you earn,
第一种是：每挣10块钱，
pay yourself one coin first and then spend the rest of the nine coins.
先让自己存一块，然后才花掉剩下的九块。
Don't spend the coins at the supermarket, don't spend the coins at a restaurant,
不要在超市或者餐馆消费，
until you have payed yourself that one coin first and then you can spend the rest of the nine coins.
除非先让自己存下一块钱，然后你就可以花掉剩下的九块。
Now... I see two kinds of butt-hurt behavior emerging from this.
现在...这会引发两种棘手的行为。
The first one is going to be something like this:
第一种情况：
Well, did you really have to tell us that we need to save in order to, um, acquire wealth?
你真的有必要告诉我们存钱才能变富吗？
Yes. I have done technical analysis, fundamental analysis,
是的。我已经做了技术分析和基础分析，
let's look at the PE ratio, let's look at this, let's look at that for years now.
查看了本益比及其他方方面面的信息。
And as I was reading The Richest Man in Babylon last night,
昨晚我在读《巴比伦最富有的人》的时候，
this idea was one of the biggest paradigm shifting ideas that I've had in a long time in regards to acquiring wealth.
我关于获取财富的思考方式发生了很久以来最大的变化。
So for you to come to me with a clear conscience and complain like that, this is what you must have done.
所以如果你问心无愧地来找我抱怨，那么你一定做过这些事。
You must have for years now religiously put away that one coin out of ten every month, every month.
几年来你每月都会坚定地从10块钱里存下一块。
You never said, Oh, I don't have enough funds this month, so I can't do it this month.
你从来没有说过，喔，我这个月没有足够的资金，所以这个月不能存了。
No, you did it every month religiously and then after years of doing that,
没有，你每个月都很认真的存下一块钱，若干年后，
you can come to me and tell me, Well, this is just basic stuff.
你可以来告诉我，这只是最基本的事情。
But here's the thing, if you indeed are that person, you will be the least likely person to come to me with that complaint
但事实是，如果你真的是那样的人，你就最不可能跑来跟我抱怨，
because you have cultivated a huge appreciation for that particular concept.
因为你已经对那种概念培养了一种极大的感激之情。
Now... Here's the second part of the butt-hurt situation. It's going to be something like this,
接下来是第二种为难的情况。是这样：
Well, I, I can't, I can't, I can't do it. I have to pay for this, I have to pay for that.
我存不了，存不了，存不了钱，我得买这个，还得买那个。
I can't put away that one coin. Here's the thing... If you make a salary of $3000 a month,
我存不了一块钱。是这样：如果你月薪3000美元，
and your employer calls you in and he says, You know what, our business isn't doing so well
你的雇主跟你说，“你也知道，我们的生意不是很景气，
and so what we're going to do is pay you $2700 from now on.
所以从现在开始你的月薪只有2700美元了。”
Don't tell me that you won't be able to make ends meet. You won't be homeless, trust me.
不要告诉我你无法保障基本生活。你不会无家可归，相信我。
In fact, it probably won't affect you in any way. You won't even notice it.
事实上，它可能不会对你产生任何影响。你甚至不会注意到它。
So, again the first concept... For every ten coins that you earn,
所以，还是第一种概念， 每挣10块钱，
pay yourself one coin first, and then you can spend the nine coins.
先让自己存一块，然后再花掉剩下的九块。
The second concept... As you start doing the first concept, you'll be accumulating money.
第二种概念...当你开始实施第一种概念的时候，你就开始积累财富了。
Now what you have to realize is this: money is a commodity that generates profit just like any other thing.
你需要注意的是：钱和其他商品一样，可以产生收益。
If you had a house, you wouldn't let it sit for thirty years
如果你有一个房子，你不会让它闲置三十几年，
and let it rot and not rent it out.
并且任由它破损，还不租出去。
And rotting is what's going to happen to your money when it's in a bank account with inflation.
通货膨胀时，银行账户里的钱也会腐烂。
But with the house it comes to you easily, Of course, we need to rent it out.
不过房子很好解决，我们要把它租出去。
Well, the same thing is true of the money. So let's do a little bit of calculation...
对于金钱也是同样的道理。我们来简单地算一下...
If you don't follow the first concept, what's going to happen is after thirty years,
如果你不执行第一种概念，三十年后，
you're going to have zero dollars in your account. You didn't put away that one coin, now you have nothing.
你的账户里没有任何存款。你之前没有存，所以你什么也没有。
If you do follow the first concept, here's what's going to happen...
如果你执行了第一种概念，那就是这样...
If you have a salary of $3000 dollars, the one coin is $300, so in thirty years,
如果你月薪3000美元，那一块钱就相当于300美元，所以三十年后，
you're going to have over $100,000 in your bank account.
你的银行账户里会超过10万美金。
Now here's what happens when you realize that your money can generate you profit...
如果你认识到你的金钱可以产生收益，那就会发生这些事情...
And the biggest problem in realizing this is the interest rate.
而意识到这一点的最大问题在于利率。
You look at the 7% and you think of $300... What's 7% of $300?
你看到7%的利率，并考虑300美金，300美金的7%是多少？
Oh, not even $30. And it's like, it's not even worth it,
居然不到30美金。好像是，不太值，
but here's where the compounding effect comes into play.
但是这里复息效应就发生作用了。
So with 7% interest, you would have over $300,000 instead of $100,000.
7%的利率，你会有超过30万而不是10万美元。
That's three times the amount. With 10% interest, notice only three percentage point change,
有三倍多。10%的利率，注意只有三个百分点的变化，
you will have over $600,000. That's six times as much. So again, two basic concepts...
你将会有超过60万美金。足足有六倍多。所以还是两种基本概念...
The first one: for every ten coins that you earn, pay yourself one coin first,
第一种：每挣十块钱，先付自己一块钱，
then spend the nine. That allows you to start accumulating wealth.
然后再花掉剩下的九块。那会让你开始积攒财富。
And once you're doing that, realize that you don't just let it sit.
一旦你那么做了，请不要让它闲置。
It's like the house, you rent it out. You do the same thing with your money.
就像房子一样，把它租出去。把你的钱也做同样的处理。
And you also realize that the percentages of interest rates
而且你也会认识到，
that seem minimal are actually huge in the long term because of the compounding effect.
从长远来看，由于复息效应，看上去很小的利率百分比实际上是很大的。
