ONE字幕组：为什么你总是没有钱(中英演讲文本)

无论我们做什么工作，赚多少钱，到月底的时候，我们总会发现自己变得一穷二白，在发工资的前一周，基本只能靠泡面和鸡蛋生活。我们好不容易赚的钱都去哪了？我发现主要是大多数人都犯了三个最常见的金钱方面的错误，除非你纠正这三件事，否则你永远都存不到钱。

①拒绝膨胀的生活方式。不要因为收入提高，而将消费也提高。钱花了就没了。

②把钱付给自己。大部分人能依靠自己收入的90％生活。少把钱付给外部消费，把至少10％的资产存起来。

③不要陷入消费陷阱，理性消费。关于债务: 先付清小款债务。这样会更有动力还清其他的。

So pretend you're this guy, and you're in bed typing in random country names on Google Flights, checking the prices because, you know, after the pandemic is over you're gonna travel the world and see and taste things you've never seen or tasted before. But then you remember...(laughs) I'm broke. If you've ever been in this situation, then you're not alone. Throughout most of my life, I always found that no matter how much money I made per hour in any of the weird jobs I worked, by the end of the month I was always broke.

假设你就是这个人，躺在床上，在航班预订网站上随意检索一些国家的名字，看看机票的价格，因为等疫情结束后，你想要去环游世界，去见识和感受你从前没见过的东西，但你很快想起来......我已经没钱了。如果你曾遇到过这种情况，不仅只是你，在我的大部分人生里，我总是发现，无论我做什么工作，一小时赚多少钱，到月底的时候，我总是一穷二白。

It's like somebody had a giant tube connected to my bank account and was just siphoning money away gradually until by the week before payday, I was living on ramen and eggs. But I noticed something, the reason I was broke wasn't because there was some third-party involved. The problem was me. And I was succumbing and falling prey to the three most common money mistakes that most people make. And unless you correct these three things you'll probably end up in that exact same situation. But if you do correct the mistakes, then you may find that at the end of the month, you'll just be a little bit, you know, your wallet will be a little bit fatter and your tummy just a little bit more full.

就好像有人在我的银行账户上接了一个巨大的管子，逐渐把我的钱抽走了一样，到了发薪日的前一周，我基本只能靠泡面和鸡蛋生活，但我注意到一件事，我之所以没钱，并不是因为别人，问题就出在我身上，我犯了三个最常见的多数人都很难避开的金钱方面的错误，除非你纠正这三件事，否则只会不断重蹈覆辙。如果你能改变这些错误的做法，那么到了月底的时候你可能会发现，你的钱包会稍稍变鼓一点。

I said, tummy again. I hate that word. Okay, mistake number one, you're succumbing to lifestyle inflation. Lifestyle inflation is when you start making more money and then as a result, you start spending more money. You think to yourself, "Sick, I just got a raise. I'm making an extra $300 every month. Now I can probably afford a Disney+ subscription, I can buy those Nike Air Force 1s, and I can hit the pub tonight with Jim and Rand." Lifestyle inflation, in essence, comes from the weird fallacy that, "Okay, rich people have nice things. And since I'm making a little bit more money and getting a little bit more rich myself, then I should start buying nice things like the rich people."

你的肚子也能稍微饱一点，我又说肚子这个词了，我讨厌这个词。错误一，屈从于膨胀的生活方式。膨胀的生活方式是指你开始赚更多的钱，然后你也因此开始花更多的钱，你对自己说，“我刚刚涨工资了，我一个月能多赚300美元，现在我能负担得起迪士尼的订阅服务了，我可以买耐克的空军一号，我今晚可以和朋友一起去酒吧”。生活方式的膨胀实际上是来自于一种错误的认知，即“有钱人拥有那么多好东西，既然我赚的钱多了一点，稍微变得有钱了一点，那么我也应该买那些好东西，就像有钱人做的那样”。

But in reality, somewhere deep in your subconscious mind, you know that the reason people are rich is because they have money. And when you spend money, you no longer have money. But you probably already know this. I'm not saying anything new. So how do we solve this problem? Well, first of all, it's an awareness thing. We have to be aware of this thing called the hedonic treadmill. The hedonic treadmill is a metaphor for the idea that an individual's level of happiness tends to return to where it started, a set point, regardless of good fortune or negative life events the person experiences.

但实际上在你的内心深处，你知道富人过那样的生活，是因为他们有钱，而你把钱花了之后，你就没钱了。但你可能已经知道这一点，我说的也不过是老生常谈，那么我们如何解决这一问题？首先是一个意识问题，我们需要清楚有一个概念，叫做“享乐适应症”。“享乐适应症”是指一个人的幸福水平倾向于回到它的起点，一个固定值，无论这个人经历的是好运还是糟心的事。

So in essence, you can go balls to the wall and spend money on the most lavish and ridiculous things in life. You know, if you get millions and millions and billions of dollars, you will always be able to find things to spend the money on and those things can be really shiny and really cool. But the fact of the matter is, within a couple of days, couple of weeks, you're just gonna return to that baseline happiness. So if you wanna fix your lifestyle inflation and your incessant need to buy things all the time to make you happy, first be aware of the hedonic treadmill.

你可以一掷千金，把你的钱花在最奢侈最荒谬的东西上。如果你赚了几百万、几千万，甚至几十亿，你总是能找到让你花大价钱的东西，这些东西可能很酷很吸引人，但事实是，只需要几天或者几周的时间，你就会回到幸福的基线水平。因此如果你想纠正膨胀的生活方式和你不断需要通过买东西来使自己快乐的问题，你首先要了解“享乐适应症”。

And the next thing to do is to fix mistake number two, which is you don't pay yourself first. So, since you're super efficient at spending every little nickel in your bank account with Jim and Rand, you need to create a safeguard mechanism that protects you from doing that. Something that has your back even in your weakest, most primal moments. And that is to pay yourself first. Every single month you pay the internet company, the phone plan company. You pay Disney. You pay Apple. You're handing out your hard-earned cash likes it's...Like it's a free money day. (laughs) You're paying all these other people but you can never get rich if you don't pay yourself.

接下来你要做的就是纠正第二个错误，即你没有先把钱付给自己。既然你非常容易和某些朋友一起花光你账户里的每一分钱，那么你首先需要建立一个保障机制来避免这种行为。即使在你最脆弱，最冲动的时候，也能控制住你的东西，这就是先把钱付给自己。每个月你都要向互联网公司付费，为手机套餐付费，你付钱给迪士尼，你付钱给苹果，你把你辛苦赚来的钱交出去的时候，就好像这是大风刮来的一样，你一直把钱付给别人。但如果你不给自己一点，你永远都不可能富起来。

Give yourself some of your own income. Why does everyone else have to take it? Pretty much everyone, regardless of their financial situation, can afford to live on 90% of their monthly income. Like, if you learned next month, that instead of making $3,000, for instance, you'd be making only $2,700, you'd find a way to make it work. You'd stop buying lattes. You would cut corners on certain things. It happens to a lot of people all the time. They find out they're not gonna be making as much next month or they're not gonna be getting as many shifts. They make it work. They survive. But get in the habit of treating your income like it's a 90% thing. 90% you can spend on whatever else you wanna spend it on, but that 10% you give to yourself.

把一部分收入留给自己，为什么要把钱都付给别人？几乎每个人，无论其经济状况如何，都可以靠自己收入的90%生活，比如说，你知道下个月，你赚不到平时的3000美元，只能赚到2700美元，你还是能有办法度过这个月，你会少买几杯拿铁，在小事上多省一点，很多人都经历过这种情况，他们发现自己下个月的工资没那么多了，或者工作量有限，他们也能度过一个月，养成把你的收入当作只有90%的习惯，90%的收入你可以花在你想花的其他东西上，但剩下的10%你要留给自己。

You put it away and you save it. We can talk about investing in another video. But if you're not already saving 10% of what you make, as a minimum, your net worth isn't growing and you're not improving your situation ever. Just briefly though, if you have debt, which is a lot of you watching probably. I've been there. It's called college. One of the best techniques that I've heard of is the debt snowball tactic, which was developed by Dave Ramsey. And that's basically just the idea of paying off your smaller chunks first. So your smaller loans, maybe it's a small credit card. Then you move up to your bigger credit card and you move up to your car and then your student loans.

你要把它存起来，我们以后有机会可以再聊投资的问题，但是，如果你还没有把你最少10%的收入存起来，那么你的净资产就不会增长，你的情况也无法得到改善。简单提一下，如果你有负债，这个应该很多人都有，我也有过助学贷款，我所了解的最好的方法是债务雪球战略，这是由戴夫·拉姆齐发明的。简单来说就是，先还清小笔的债务，小笔的贷款，比如小额信用卡欠款，然后再还稍大额一点的信用卡，然后再还车贷，然后是你的学贷。

And this kind of goes against the notion that you have to tackle the debts with the highest interest rates first. And while that's mathematically true, a lot of people just don't do it. They didn't get into debt because they were smart with math. They got into debt because they make weak financial decisions based on impulse and emotion. So you need to get impulse and emotion on your side. It's really motivating to pay off your small debts first. It gives you momentum and it gets you stoked to pay off your bigger debts. You can move on to your other debts and then you can use the interest that you were spending on the smaller debts to pay off your bigger debts.

这与我们一贯的先解决利率最高的债务的理念相违背，因为虽然从数学上来说这样更合适，但很多人其实做不到，他们陷入债务肯定不是因为他们数学好，他们陷入债务是因为他们因为冲动和情绪化，做了错误的经济决定，所以你需要利用冲动和情绪化，先把小额的债务还清，会让你很有动力，它让你能一鼓作气，

继续去还更大额的债务，你可以继续处理你的其他债务，你可以用你在小额债务上省下的利息去还更大额的债务。

And you create this debt snowball where you're just used to paying off debts all the time. And it's great. But you can't do any of that if you're just paying the minimum payments on everything and then spending the rest of the money everywhere else. Take that 10% and use it to improve your situation.

这就形成了一种还债的雪球效应，你会习惯于还债这件事，这是很好的做法。但如果你每个月都只还所有贷款的最低额度，把剩下的钱都花在别的的地方，那么你将很难走出债务，存下10%的收入，来改变你的处境。

Okay, so mistake number three is that you're falling for consumer traps. Now, these can be extremely insidious. So have you ever been going about your day, you know, you went to work and then you went to the gym like a good strong boy? You know, and then you get home and you start browsing the computer.

错误三，是你落入了消费陷阱。有些陷阱可能非常隐蔽，你有没有过这样的经历，你正常上班，下班去健身，过得非常健康，然后你回到家，开始上网。

And you're on YouTube and your favorite tech reviewer says, "The all-new iPad. 10.-whatever-inch." And at the end of the video, he says, "Now is the time to buy an iPad. This is a great iPad. Lots of improvements over the last one. You should go ahead and buy it now." So sure enough, you go on to Google and you type in Apple iPad. And you add it to your cart. And you think to yourself, "I actually have $300 more than I thought I would. And this iPad is only $300. Let's get it done." So you add it your cart, you buy it, and you pretend you just didn't even do anything. You walked away from the computer. Try to pretend that you didn't actually just buy an iPad.

你打开了视频网站，你最喜欢的科技测评人说，“全新iPad，10或者多少英寸”，然后在视频结尾，他说，“现在是时候买一台iPad了，新发的iPad真的很不错，比上一代产品有很大提升，你真的应该现在就购入”。于是当然，你就会去搜苹果iPad，你把它加进你的购物车。你想着，“我其实还有多300美元的储蓄，这个iPad只要300美元，买它”。于是你把它加进购物车，然后买下来，并假装你什么都没有做，你放下电脑，试图装作你没有花300美元买一个iPad的样子。

You ignore the negative thoughts and you just focus on the positive. You're like, "Ah, that was a nice thing to do." But here's the weird thing that not very many people notice about that kind of situation. You went your entire day without even thinking about an iPad, you know? You were just living your life, unaffected by this iPad, totally content without needing an iPad. And had you not watched that YouTube video, you'd have had a great night's sleep and you would have been $300 richer. But because of how marketing works, all of a sudden when you come across the ad for the iPad or something promoting the iPad, it becomes the most important and tempting thing in your entire world. You have this deep sense of lack about not having this thing and buying this thing would really just put that to rest.

你忽略那些负面的想法，只关注积极的方面，你对自己说，“买得挺好的”。但这种情况存在一个很多人都没有意识到的奇怪之处，你其实一整天都没有想过要买一个iPad，你生活得好好的，新发的iPad对你没什么影响，没有它你也很满足。如果你没有看那个视频，你就能睡个好觉，还省下300美元，但由于这些营销的存在，你无意中看到了iPad的广告，或者其他形式的推荐，它就成了你的生活中最重要最紧迫的东西。

没有这个东西你就会觉得空虚、有缺憾，而买了它就能让这些不好的感觉消失。

That's marketing. That's a consumer trap. It's like a bunch of little Fruit Loops on a trail leading you to spending money. In my own life, the biggest consumer trap in my entire existence is camera equipment. And my brain has this rationalization that, "Oh, I'm a YouTuber and I'm really into video stuff. So I gotta stay on top of the latest tech." But every time I stay in this consumerist mentality, I produce way less. And if I've learned anything about being a YouTuber, is that in order to succeed I need to produce a lot more than I consume. That's kind of the way it goes in life. If you're constantly on social media, on YouTube, and you've subscribed to all these like equipment reviews or yacht club catalog, whatever, it's basically just a consumer trap. It's a gateway into spending money. It's a gateway to giving away your money to everyone else other than yourself.

这就是市场营销，这就是消费陷阱，一点点小的诱惑，引诱着你把钱花了出去，在我的生活中，最大的消费陷阱是摄影器材，我的大脑会有一个合理化的想法，“我是一个视频作者，我真的非常热爱这件事，所以我一定要拥有最新的设备”。但每当我保持这种消费主义心态时，我的产出就会减少。如果说作为一名视频作者让我学会了什么，那就是要想成功，我需要创作比消费的更多，这是生活的一个真理，如果你很喜欢看一些社交媒体或是视频网站，你关注了很多测评人，甚至游艇资讯之类的，那么你基本上就身处消费陷阱之中了，这会让你不断地花钱，不断地把钱掏出去，拿给别人，就是没留给自己。

So the solution is to start deleting the traps. You know, my favorite camera reviewers, I had to click on YouTube and say, "Don't recommend this kind of shit to me." It's heartbreaking, but you gotta eliminate these traps as you see them. In "Atomic Habits" by James Clear, he talks about how willpower is kind of for losers, in a way. Like most people have optimized their existence and their homes and their online life so that they don't have to use willpower all the time. They don't have to sit there resisting urges. They've just deleted it ahead of time. They've gotten rid of the traps so that they can just go about their business undisturbed without all these companies just kind of like tugging on you to go spend money on their stuff. So don't succumb to lifestyle inflation, pay yourself first, and then eliminate these consumer traps. And you'll be so much better off. You'll have so much more extra money lying around.

所以解决办法就是开始删除陷阱，比如我最喜欢的相机测评人，我会打开视频网站让它不要再继续给我推送这类内容。虽然很不舍，但你必须在看到这些陷阱的时候及时避开，在詹姆斯·克利尔的《掌控习惯》一书中，他谈到意志力在某种程度上，其实是失败者才需要的，很多成功的人已经对他们生活的方方面面进行了优化，所以他们不需要经常调用意志力，他们不怎么需要控制冲动，他们已经提前把这些都从生活中剔除，他们早早摆脱了这些陷阱，这样他们就可以不受干扰地做自己的事情，而不会被这些公司，拉着去花钱买他们的产品，不要屈从于膨胀的生活方式，先把钱付给自己，以及摒除消费陷阱，你的情况将会好得多，你会有更多额外的储蓄。