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And the third level really is to get those six months of savings in liquid assets whether it's bank accounts.
第三层就是把六个月的收入变为流动资产，是不是在银行账户里都可以。
Someplace where you can actually within 24-48 hours you could realize that money.
存在一个你可以在24-48小时内变现的地方。
So that you have an emergency fund.
这样你就有了应急基金。
So that you are not tumbled back into debt as soon as something happens amiss.
一旦发生意外情况，你也不会陷入债务。
You lose a job which, you know, many people now feel that even their very, very important and significant jobs are precarious.
如果你丢掉了工作，很多人现在觉得即便是他们非常非常重要的工作也岌岌可危。
So you want to get out of the zone of precariousness and part of how you get out of that precariousness is savings.
你想要摆脱不确定性，其中一种途径就是存款。
And then over time the next layer of financial independence is you start to see that surplus savings can be invested in such a way that it throws off an income.
随着时间的流逝，财务自由的下一层就是把那剩余的存款作为投资，让它产生收益。
And over time if you become a systematic and sometimes obsessive saver – and you can see, you could chart it.
慢慢地，如果你变成了一个系统性甚至是痴迷于存钱的人，你就能看到，你甚至可以做个表格。
You can watch your passive income grow knowing money is your life energy, you track everything you buy.
你能看到自己的被动收入持续增长，你知道钱就是你的生活能量，你记录下自己买的每一样东西。
And an easy way to do it if you don't like writing in a little notebook every time you do a transaction is just use your debit card. I said debit, not credit.
如果你不喜欢在小本子上写字，有一种简单的方法可以做到这样，每次交易的时候使用借记卡。我说的是借记卡，不是信用卡。
You use your debit card and your bank has a complete record of all your purchases.
使用借记卡，银行就会记录下你买的所有东西。
Every month you take a look at your purchases, you sort out in categories that apply to your lifestyle.
每个月都看一看自己的购买记录，把它们整理分类成适合你生活方式的样子。
You just look at that and you kind of tell yourself the truth about whether spending your life energy in that way makes a difference.
你看着它们，就能告诉自己这样花钱是否有意义。
