100万存款能撑多久？

• Grant Cardone

百万富翁只不过是愁钱用的中产阶级。
Millionaires are basically middle-class people that are worried about money.
一百万，如果你没有新的收入来源，而你，你几岁？
Million dollars，if you didn't have any more income and you were.How old are you ?
27岁，你没有任何收入。一百万。
27 years old and you didn't have any income.A million dollars.
多久会被花光呢？如果一个月花4千美元，你能撑25年。
How long would that money lasts ? If 4000 a month,you got 25 years.
这25年每个月你只能用4000过活。到那时候你才52岁哪，朋友,
You got to live on 4000 a month for 25 years. You will be 52 years old my friend.
身无分文。每个人都说“天啊，标志性的百万富翁，你真富有。”
and dead broke.Everybody's like "oh my god,the iconic millionaire,You're wealthy."
你一点也不富有，老兄。你在担忧。
You're not wealthy,dude.You're worried,it's what you are, okay?
因为你没有新的收入来源了。这个方程式是假设没有通货膨胀，
Because you don't have new income.This equation right here doesn't assume any inflation,
假设所有事情保持不变，租金没有提高，汽车贷款没提高，全部保持不变。
assumes everything stays the same,in it's rent never goes up,it's car payments don't go up,
nothing goes up.
这是不可能的。不可能的周期。问题在于没人在讨论这件事，
It's impossible.It's an impossible cycle.The problem is nobody talks about this,
因为没有人想在电视上提醒你，嘿，百万富翁只不过是愁钱用的中产阶级。
because nobody wants to go on TV and say "Hey,millionaires are basically middle-class people
that are worried about money".
如果是1000万呢？话说我觉得这才是对的数字，CNBC（财经媒体）说是500万
What if it took 10 million? By the way I think that's the number, CNBC
says it's 5 million.
我认为真实的数字是1000万。1000万，没有新的收入来源。
I think the number's really 10 million,ok.10 million,with no new income.
你可能能够过你想要的生活。
You could probably live the life you wanted to.
所以，你要做的第一件事是你要改变你的目标，你要每天盯着那个目标。
So,number one thing you got to do is this,you've got to change the target and you
need to look at the target daily.
你设错目标了，如果你在苦苦挣扎，表示你设错目标了。
The target you have the wrong target right now,if you're struggling,you
have the wrong target.
当你重设目标，一切都会改变。
when you change the target,everything changes.
第二你要让你的收入达到，这是一个有趣的概念。
Number two,you need to get your income to a place.This is a fascinating concept right here.
如果你能做到这个，我保证你能致富。你需要达到的收入
Okay if you can do this,I guarantee you'll be rich.You need to get your income
不只是足以支付账单而是能够让你存下总收入的40%。
not to what pays your bills but to where you can save 40% of your gross income
is saved okay.
如果要谈论难度，这会比那个（1千万）更加难做到
You want to talk about something difficult,this is way more difficult than that.
如果你能做到这个，你肯定能做到那个（1千万）。
If you can do this,you will get that.
如果你一个月赚1万，然后你得存下4000,你需要先支付你自己。
If you make 10000 a month and you want to save 4000 if it,you would pay yourself
first,okay.
我们知道IRS（美国国家税务局）会先扣除4千。
We know the IRS is gonna take,they're gonna withhold 4000 of it.
注意，如果你从1万里面给IRS缴付4千，你得想办法怎么支付自己4千。
So look,if you'll pay the freakin IRS 4 grand of 10.You need to figure out.
how to pay yourself 4 grand.
问题出现在哪里？你只能依靠2千过活。一直做这样的算式。
What's the problem here? You got to live on 2000,so just keep
doing the math now.
这是你应该跟你另一半一起做的算式。要规划出来直到，
This is the math you need to do with your spouse.You need to keep working it out
until you're like,
当他说：“我们买一台新车吧”，“但是我们没剩钱买新车了”
he's like,"lets go buy a new car","yeah,we ain't got any money fo a new car"
这是为什么当我在35岁时，没有人知道我是百万富翁。
That's why when I was 35 years old,no one knew that I was millionaire.
前后没有任何改变。我还是穿着那双破鞋跑步。
Nothing had changed.I was still running with shit shoes,you know.
买40元的鞋子,衣服能越耐久越好，没有人发现，我没有驾豪车。
buying 40 shoes and working a shirt out as long as I could and like
nobody saw I didn't have fancy cars.
我驾的是Camry，但是银行里有一百万现金。
I'm driving a Camry but a million bucks in the bank.
2万收入会怎么样呢？你存8千，储存起来。
At 20 grand what happens? You're saving 8000,storage。
你缴付8千（给IRS），现在你只能用4000过活。
You're paying 8000 and now you can live on 4000.
这才是做好预算的正确方法。
See now this is the right way to do a budget.
如果你赚3万，1万2千储存起来，至少你剩下6千
You make 30000,12000 is going to storage,$12000 is going to IRS and at least
you were six.
现在你开始察觉，你一年需要赚大约30万，这是哈佛大学没教你的是。
So now you can start seeing, you got to be somewhere north to 300 grand a year,
this is what they don't teach you at Harvard.
你需要做的第三件事，你得要保持简朴的生活然后投资你存储起来的钱。
Number three thing you're gonna do,you're gonna go broke right here and invest
the storage.
储存金要拿去投资。金鹅之所以珍贵是因为她下金蛋。
Storage has to get invested.The Golden Goose is only good if she lays eggs,
否则倒不如宰了她。把它当成鸡吃掉算了。
otherwise you can kill her,eat her for a chicken.
金钱需要能够生宝宝（复制）。所以你的目标是投资，投资你的储存金，
持续这样做，直到你这里的钱被动收入相等于你的主动收入。
money needs to make babies right.So your goal right here is to invest,to
invest the storage money and contine to do that until this money over here
the passive money is equal to your income.
当你在这个步骤时，不要投资任何不确定性。
When you make this move right here,do not invest in anything that is a maybe.
巴菲特说：第一，不要赔钱。第二，不要赔钱。
Warren Buffett says don't lose money number one.Number two don't lose money.
这个部分一开始是最难的，因为你在挨饿直到你正视真正的问题。
This is the most difficult part of this in the beginning because you're
starving here until you confront the real problem.
收入不足才是问题根源。不要去拥有任何东西，老兄，把钞票堆起来
The real problem is income.Don't own anything dude,just stack cash
等到你找到地方投资不会让你赔钱。
and wait till you can put it in something where it won't be lost.
只是暂时不能动用，长时间通货膨胀，5年，7年，10年。
It just goes away for a while and inflation over time,five years,seven years,
ten years.
有天你看了看账簿，金蛋还在，没赔钱，好好保管起来。
One day you look up and you're like I didn't lose my golden egg that
thing is protected.
我每个月从那边取一滴水，你一直加上去,
I got a little drip every month from it and you keep adding to that,
滴出来的水滴也变得越来越大，越来越大，你懂吗？
so the drip gets bigger and bigger and bigger and bigger,you know.
什么时候可以停止工作？
When you get off the treadmill?
随你喜欢。
Whenever you want it.

一，改变你的目标
1.Chage your target
二，把总收入的40%存起来
2.Save 40% of income
三，保持简朴生活，把储存金拿去投资
3.Live broke and invest savings
四，让被动收入相等于主动收入
4.Passive income = inZcome