00:00
most people get started in investing and they don't really understand or know what the actual goal is they just know
大多數人開始投資時，並不真正理解或知道實際目標是什麼，他們只知道
00:06
hey I want to have more money later than I do right now and that's great but what's the plan to get you there what
喂，我以後想擁有比現在更多的錢，這很好，但你有什麼計劃能達到這個目標呢？
00:13
actual data have you seen and how much do you actually need to get to your personal goal one hundred thousand
你實際上看過哪些數據，又需要多少錢才能達成你的個人目標？十萬美元
00:19
dollars invested into the S P 500 is an amazing goal and in this video I'm going to show you not only how you can get
投資於標準普爾500指數是一個了不起的目標。在這支影片中，我將向你展示不僅如何達成這個目標
00:27
there and how long it's going to take you to get there based on investing in certain amounts but also why one hundred
以及根據不同的投資金額，你需要多長時間才能達成，還有為什麼十萬美元應該成為你的目標。我還會分享我的三大秘訣
00:33
thousand dollars should be your goal and I'm going to share with you my big three tips on how you can literally make that
讓你實際上能夠達成這個目標。你只要在人生的一小段時間內專注於這三件事，剩下的人生就能過上你想要的生活
00:40
happen you focus on these three for a short period of your life and the rest of your life you'll be able to live the
並獲得財務自由。我是諾蘭·戈維亞，我的學生稱我為G教授。
00:47
way that you want in that Financial Freedom my name is Nolan govea or Professor G as my students know me I
我創建這個頻道的目的是為了簡化我所看到的金融世界中的複雜性。我做所有的研究
00:53
made this channel to basically simplify the complexity that I see in the financial world I do all the research so
所以你不必這麼做。現在，讓我們來看看如何達到那十萬美元的目標。在過去的100年裡，經歷了所有的低谷
01:00
you don't have to now let's get you to that one hundred thousand dollars over the last 100 years through all the dips
所有的蕭條、所有的衰退，標準普爾500指數在統計上每年平均增長了10.4%
01:07
all the depressions all the recessions the S P 500 has statistically appreciated 10.4 percent every single
如果你今天在標準普爾500指數中投資了十萬美元
01:15
year on average with dividends reinvested so if you had one hundred thousand dollars in the S P 500 today
並且你再也不增加一分钱，十年後你將擁有268,961美元
01:23
and you never add another dollar in 10 years you'd have 268
二十年後，不再增加一分钱，你將擁有723,404美元
01:30
961 in 20 years without adding an extra dollar you would have 723
如果你今天在標準普爾500指數中投資了十萬美元，並且你再也不增加一分钱，三十年後你將擁有1,945,683美元
01:39
404 dollars if you had a hundred thousand dollars in the S P 500 today and you never added another dollar in 30
四十年後，記住不再增加一分钱，你將擁有5,523,3147美元
01:47
years you'd have one million nine hundred and forty five thousand six hundred and eighty three dollars and in
我們開始看到為什麼在標準普爾500指數中擁有十萬美元可能是一個穩固的目標
01:54
40 years remember not adding One More Dollar you'd have 5 5 million two hundred and thirty three thousand one
所以，非常非常快速地，什麼是標準普爾500指數？標準普爾500指數基本上是一個指數基金
02:03
hundred and forty seven dollars we started to see why having one hundred thousand dollars in that S P 500 might
它匯集了美國最好的500家左右的公司。因此，當你購買一股標準普爾500指數時，你就是
02:10
be a solid goal so very very quickly what is the S P 500 the S P 500 is basically an index fund
是個穩健的目標，所以非常快速地來看，什麼是標普500？標普500基本上是一個指數基金
02:18
that compiles all of the best 500 or so companies in the United States So when you buy one share of the S P 500 you're
匯集了美國最好的500家左右的公司。因此，當你購買一股標準普爾500指數時，你就是
02:26
actually buying a little piece of 500 of the top companies now the way that I recommend that you invest in the S P 500
實際上購買了500家頂尖公司的一小部分股份，而我推薦你投資標普500的方式
02:34
is the way that I do it which is to buy an ETF called Vu v-o-o not going to get into all the complexities between the
就是我所採用的方式，即購買一種名為VU（V-O-O）的ETF，不會深入探討兩者之間的所有複雜性
02:42
two but basically for all intents and purposes Vu is the exact same thing as the S P 500 and if you go in and
但基本上，VU在所有意圖和目的上與標普500完全相同，如果你進去查看
02:49
actually look at the Holdings of the S P 500 versus the Holdings of voo it's exactly the same percentage-wise also
標普500的持股與VU的持股，比例上完全相同
02:57
with an expense ratio of only .03 percent Vu is one of the cheapest ETFs out there for what you get that
且費用率僅為0.03%，VU是市場上最便宜的ETF之一，因為
03:05
basically means that for your ten thousand dollars within this fund you're only having to pay three dollars as a
基本上，在這個基金中，你的1萬美元只需支付3美元的費用，這對我來說是一筆划算的交易
03:11
fee seems like deal to me the main reason that you're putting your money into this and why I specifically do this
你將錢投入這個基金的主要原因，也是我特別這樣做的原因，是因為與個股相比，你的風險非常非常低
03:17
is because your risk is very very low compared to individual stocks If instead you had a hundred thousand dollars and
如果你有10萬美元，全部投資在蘋果公司，而蘋果公司剛好經歷了糟糕的一兩年，股價下跌了20%
03:24
say apple and apple just had a terrible year or two and it went down like 20 then your whole portfolio is going to go
那麼你的整個投資組合都會下跌
03:31
down but when you have money in an index fund or ETF especially one that's so Diversified with over 500 companies if
但當你將錢投入指數基金或ETF，尤其是像VU這樣包含500多家公司的多元化基金時
03:38
one or two of the companies go down a couple of the other ones will probably go up and so it should even out and at
如果其中一兩家公司下跌，其他幾家公司可能會上漲，因此應該會平衡，至少能夠大幅降低你的風險
03:44
least keep your risk pretty mitigated and Vu isn't just Diversified into 500 different companies it's also
而VU不僅多元化投資於500家不同的公司，還投資於11個不同的行業
03:51
Diversified because it's in 11 different sectors things like information technology Health financials energy
如資訊科技、健康、金融、能源、公用事業等，你幾乎涵蓋了所有領域
03:59
utilities and more you're pretty much covered on all bases with this at this point you're probably thinking yeah S P
此時，你可能會想，標普500或VU聽起來是一個好的投資，擁有10萬美元聽起來也是一個非常好的主意
04:06
500 or Vu sounds like a good investment and having a hundred thousand dollars sounds like a really good good idea one
但有一個問題：我到底要如何才能擁有10萬美元？很高興你問了這個問題
04:13
problem how the heck do I get to a hundred thousand dollars well I'm glad you asked
讓我們來看看，每月投資特定金額在標普500中，需要多長時間才能累積到基金中的第一個10萬美元
04:18
let's see how long it would take by investing specific amounts per month in the S P 500 to be able to accumulate
如果你每月投資100美元，為了在基金中獲得10萬美元，需要23年
04:25
that first one hundred thousand dollars in the fund if you invested one hundred dollars per month in order to get one
如果每月投資200美元，為了獲得10萬美元，需要17年
04:33
hundred thousand dollars in the fund it would take you 23 years if we invested two hundred dollars per month in order
讓我們加倍投資，如果你每月投資400美元
04:41
to get you one hundred thousand dollars it would take you 17 years let's double it up if you invested four hundred
存到10萬美元，需要17年時間。讓我們加倍投資，如果你每月投資400美元
04:49
dollars per month in order to get one hundred thousand dollars It's Gonna Take You 12 years at eight hundred dollars
每月存800美元，要存到10萬美元，需要12年時間
04:57
per month this would take you eight years now let's put one thousand dollars per month into the S P 500 in order to
每月存1000美元，則需要8年時間。現在讓我們來看看，如果每月投資1000美元到標準普爾500指數
05:07
get one hundred thousand dollars it's gonna take you six and a half years so what does this tell us it basically
要存到10萬美元，大約需要6年半的時間。這告訴了我們什麼？基本上
05:14
shows that if you want life-changing wealth and you want to hit that 100 000 dollars and you preferably want to do
這表明，如果你想獲得改變人生的財富，想要達到10萬美元的目標，而且最好是越快越好
05:20
that sooner rather than later then you're gonna have to do something that most people are not willing to do so how
那麼你就必須做大多數人不願意做的事情。所以，你有多渴望
05:27
bad do you want that Financial Freedom how bad do you want to be let out of your nine to five job how bad do you
財務自由？你有多渴望擺脫朝九晚五的工作？你有多渴望在隨便一個星期三去海灘
05:33
want to go to the beach on a random Wednesday and not have to ask your boss for time off if you're ready for that
而不必向老闆請假？如果你已經準備好了
05:38
let's make it happen here are the big three tips that are going to make it so that you can actually get to that one
讓我們來實現它。這裡有三個重要的建議，可以幫助你在人生早期就達到10萬美元的目標。第一個建議排在第一位，是因為
05:45
hundred thousand dollars early in life the first one on my list is first because it's something that you can be
你現在就可以開始做，希望你已經在做了，如果還沒有做的話，那就是要善用工作中的免費資金
05:51
doing right now and hopefully you already are but if you're not it's all about taking the free money at your job
我確定他們提供401k配對計劃，這筆錢是除了你的薪水或時薪之外的額外收入，只要你願意
05:58
I'm sure that they offer a 401k match that money is over and above any salary any hourly amount of money that they're
從薪水中拿出一部分鍾投資於退休金，他們就會給你這筆錢。所以
06:06
paying you they're willing to give to you as long as you're putting some of your paycheck towards your retirement so
我做的是將我的401k基金設定為標準普爾500指數基金，並將我的繳款額度設定為公司願意配對的最高金額。所以，如果你可以從薪水中拿出5%
06:13
what I do is I set my 401k fund to be an S P 500 fund and I max out my contribution of whatever it is that my
而公司願意再配對5%，這筆錢會累積得很快，這是一種讓別人幫你達成目標的方法
06:23
company is going to match so if you get to put five percent of your paycheck away and they're going to match five
讓你更快達到10萬美元的目標。這三個重要建議中的第二個，絕對是你需要深入思考的
06:30
percent on top of that that really adds up and that's a way to put someone else's money towards this goal for you
記得我說過你需要做別人不願意做的事情嗎？在這種情況下，你需要找出你最大的開支，並想辦法消除它或大幅減少它
06:37
to get to that one hundred thousand dollars quicker number two of this big three is definitely one where you're
對大多數人來說，最大的開支是住房費用，比如房貸或租金。我需要你盡力減少這筆開支
06:43
gonna have to dig deep remember when I said you need to do something that other people are not willing to do well in
可能會有點不舒服，但記住，這只是短期的，而且一旦
06:49
this case you need to figure out what your biggest expense is and figure out how you can eliminate it or drastically
這種情況下，你需要找出你最大的支出是什麼，並想辦法消除它或大幅
06:55
change it for most people that's your living expense as far as your mortgage or rent I need you to do what you can to
降低它。對大多數人來說，這是你的生活開支，比如房貸或租金。我需要你盡力
07:02
bring that down it may get a little uncomfortable but remember this is just for a short period of time and as soon
降低它。可能會有點不舒服，但記住，這只是短期的，而且一旦
07:08
as you can get to that one hundred thousand remember how quick it just jumps up without you having to add even
當你能達到那十萬美元時，記得它是多麼快速地成長，而你甚至不需要再額外添加一塊錢
07:13
another extra dollar forever so those of you that are renting an apartment if you have the place all to yourself it's time
那些租公寓的朋友，如果你是獨自居住，現在是時候找個室友了
07:20
to get a roommate at that point you're going to cut your rent expense in half and if you own a home it's so easy to
這樣你就能將租金開支減半，如果你擁有房子，也可以很容易地
07:26
rent out one room on Airbnb or find a long-term renter again not the funnest thing in the world but we have to have
在 Airbnb 上出租一個房間，或者找一個長期租客。雖然這不是世界上最有趣的事，但我們必須以終為始
07:34
that end in mind and one huge side note on this one is that merely cutting out the expense or cutting it in half is the
關於這一點，有一個重要的附帶說明：僅僅是減少開支或將其減半只是第一步，但要確保
07:42
first step but make sure that with that extra money that you now inherit that you don't go and blow it all on
你現在多出來的錢不要被你全部花在一些愚蠢的事情上
07:48
something stupid you need to be very very disciplined at this point and you need to take that extra money and you
你需要非常非常有紀律，並且需要將這些額外的錢
07:55
need to throw it straight into your investment the third tip that's going to get you towards that one hundred
直接投入到你的投資中。第三個能讓你更快達到十萬美元並絕對改變你生活的技巧是
08:00
thousand dollars quicker and absolutely change your life is going to be that you need to work towards increasing your
你需要努力增加你的收入。有很多方法可以做到這一點，比如提升你的技能，讓自己成為一個更有價值的員工
08:07
income there's so many ways that you can do that but level up your skills make yourself a more valuable employee and
然後利用這些新技能申請一份新工作。雖然離開你喜歡的地方或朋友所在的地方會讓你感到不舒服
08:14
with those new skills apply for a new job again it's going to be uncomfortable leaving some place that you like or
但投資更多錢的最簡單方法就是擁有更多的錢可以投資
08:21
maybe your friends are at but the easiest way to invest more money is is to be able to just have more money to
所以你必須做你該做的事。如果你不想離開現在的工作，仍然可以提升一些技能並開始一份副業
08:27
invest with so you've got to do what you got to do and if you don't want to leave the job that you're at still level up
我最喜歡的副業之一就是學習網頁設計。在你的社區裡有很多人會樂意付錢讓你幫助他們設計網站
08:33
some skills and start a side hustle one of my favorite ones is just to learn how to do web design there's so many people
通常像牙醫、脊醫師甚至醫生這些人非常擅長他們的工作
08:40
in your community that would love to pay you to help them with their website usually people like dentists and
但他們不擅長溝通，而且他們的網站看起來像是 1980 年做的
08:46
chiropractors and even doctors are very very good at what they do but they're not great at communicating that and most
這類人通常也有很多可支配收入，並且會很樂意付你一千美元來重新設計他們的網站
08:53
of their websites look like they were done in like 1980 these type of people also have a lot of expendable income and
再次像第二步一樣，你需要確保將這些額外的錢拿來投資，並且要有紀律
08:59
would be totally cool with paying you a thousand dollars to redo their website again just like step number two you need
做這三件事，我保證你很快就能達到十萬美元
09:06
to make sure and take that extra money and be disciplined and put it into the investment do these three things and I
現在有很多不同的地方可以讓你
09:13
promise you we're getting to that one hundred thousand dollars so fast now there's many different places that you
我保證我們很快就能達到那十萬美元。現在有很多不同的地方可以讓你
09:19
can invest your money but the reason why I just love voo and this specific ETF is something that I go over in
可以投資你的錢，但我如此喜愛VOO和這個特定ETF的原因，我在這個影片中有詳細說明
09:26
detail in this video here you could literally invest in just this one ETF and retire a millionaire I'll have that
你真的可以只投資這一個ETF，然後退休時成為百萬富翁，我會在下方連結這個影片
09:33
video linked down below so you can come back and watch that later on now right now we're in somewhat of a market
讓你之後可以回來觀看。現在我們正處於某種程度的市場低迷期
09:39
downturn and everything you see on TV or the news is pretty negative towards investing and investing in stocks in
你在電視或新聞上看到的一切，對投資和股票投資都相當負面
09:45
general so what I did was I invested 100 per day even during the worst part of this market downturn and I documented it
所以我做的是，即使在市場低迷的最糟時期，我每天仍投資100美元，並將整個過程記錄在這個影片中
09:54
all in this video here so you can see the truth of what it looks like to invest one hundred dollars for 100 days
讓你可以看到在市場低迷期，每天投資100美元100天的真實情況
10:01
during a bad market downturn and let me tell you you're going to be surprised at the results
讓我告訴你，結果會讓你感到驚訝
