hi friends welcome back to the channel if you're new here my name is mickey and i am a content creator and a registered nurse and today we're going to be

嗨朋友們，歡迎回到頻道！如果你是新來的，我叫Mickey，我是一個內容創作者和註冊護士，今天我們要來

talking about how i saved over a hundred thousand dollars in cash by age 24. if you've been following the channel then you do know that i recently purchased my

談談我是如何在24歲之前存到超過十萬美元現金的。如果你一直關注這個頻道，你知道我最近在西雅圖買了我的

very first home in seattle and being the expensive metropolitan city that seattle is unfortunately it's really expensive to live here so my down payment was 20

第一套房子。作為西雅圖這樣昂貴的大都市，不幸的是這裡的生活成本真的很高，所以我的頭期款是20%

and it was in the six figure range and so obviously this is a amount of money that i had to work towards over the last couple of years to be able to save i'm

達到了六位數的範圍。所以顯然這是一筆我必須在過去幾年努力存下來的錢。我

gonna be talking about the techniques i use to be able to save a large amount of money in a small amount of time so when it comes to saving money there's really

會談談我用來在短時間內存下大量資金的技巧。說到存錢，其實只有

only two ways to do it you either increase your income or you decrease your expenses and money things i like to be a little bit more conservative about

兩種方法：要麼增加收入，要麼減少支出。關於理財，我喜歡保守一點

and so i like to overestimate my expenses and underestimate my income so that i'm always prepared for the worst case scenario so my first tip that i

所以我喜歡高估支出、低估收入，這樣我總是為最壞的情況做好準備。所以我給你們的第一個建議，

have for you guys and i recommend this for everyone is actually to figure out your baseline expenses how much money do you spend every single month i'm going

我建議每個人都這樣做，就是先弄清楚你的基本支出。你每個月花多少錢？我

to insert a sample breakdown for kevin and myself but you want to make sure you're including obviously things like your rent your mortgage as well as how much money you're spending on insurance

會放一個Kevin和我的支出明細範例，但你要確保包括像房租、房貸這些顯而易見的項目，以及你在保險上花了多少錢、

utilities groceries etc but you also want to include all of your monthly reoccurring expenses like subscriptions for example i have a spotify subscription i also pay for netflix and lightroom and photoshop so everything

水電雜費、日用品等等。但你也要包括所有每月固定支出，比如訂閱。例如我有Spotify訂閱，我還付Netflix、Lightroom和Photoshop的費用。所以

that you know you're for sure going to spend every month take a look at your past six months and just grab a rough estimate for how much money you're

所有你知道每個月一定會花的錢，看看你過去六個月，大概估算一下你

spending on extraneous expenses so this is my shopping category but i roughly estimated that between kevin and myself we spend about four hundred dollars a month so in total kevin and i together

在額外支出上花了多少。這是我的購物類別，但我大概估計Kevin和我每個月花大約四百美元。所以總的來說，Kevin和我

roughly spent about four thousand dollars for the purpose of this video i am just gonna split this amount in half and so i would in theory be responsible

每月大概花四千美元。為了這個視頻，我就把這個金額對半分，這樣理論上我需要負責

for two thousand dollars per month and again i'm gonna round this number up because i wanna make sure i'm giving myself some leeway so i'm gonna say that my monthly baseline expenses are around

每月兩千美元。而且我會把這個數字往上取整，因為我想確保給自己一些彈性空間，所以我會說我的每月基本支出大約是

twenty five hundred dollars a month so based on this calculation of two thousand five hundred dollars a month it leaves me at thirty thousand dollars a year so basically it cost me thirty

兩千五百美元一個月。根據這個計算，每月兩千五百美元，意味著我每年有三萬美元的支出。所以基本上我

thousand dollars just to live the current life that i live right now to eat to live to breathe again i gave myself a little bit of leeway so if i

每年花三萬美元來維持我現在的生活——吃飯、生活、呼吸。同樣，我給自己留了一些彈性，所以如果我

take a mini vacation or a mini trip that would already be factored in there but if you're going to be taking a big trip or have any big purchases coming up i

去一個小型度假或旅行，那已經算在裡面了。但如果你要去一個大旅行或有任何大的購買計劃，我

would definitely factor that in separately i always tell people to remember that 30 to 40 percent of your income is going to go to taxes and so that's basically money that you will

會建議把那個單獨算進去。我總是告訴人們記住，你收入的30%到40%會用於繳稅，所以那基本上是你

never see again let's say in theory i make a hundred thousand dollars a year and i would say that 30 of that goes to taxes so immediately i'm deducting 30 000

再也見不到的錢。假設理論上我一年賺十萬美元，我會說其中30%用於繳稅，所以我立刻扣掉三萬，

again i'm spending thirty thousand dollars on my expenses that i calculated through the baseline rate and that means that i have forty thousand dollars left annually that i have the potential to

然後我在支出上花三萬美元，這是通過基本支出率計算的，這意味著我每年還剩下四萬美元可以

save so if i'm planning to save a hundred thousand dollars then it's gonna take me roughly three years give or take to be able to save that amount it's

存起來。所以如果我計劃存十萬美元，那大概需要我三年左右才能存到那個金額。

really really important to set goals and figure out approximately how long it's going to take you to reach that financial goal so that every month you can evaluate and make sure whether or

設定目標並弄清楚大概需要多長時間才能達到那個財務目標真的很重要，這樣你每個月都可以評估並確保自己是否

not you're on track all right tip number two is to cut your expenses and i know this goes without saying but a lot of the times when it comes to saving money

在正軌上。好的，第二個建議是削減開支，我知道這不用說，但很多時候說到存錢

i think people always think that they need to earn more but really it's much easier for you to just cut back on what you currently have whether that means

我覺得人們總是認為他們需要賺更多，但實際上對你來說更容易的是削減你現有的開支，無論是

getting a roommate or getting a significant other who's gonna split your rent with you or living with your parents for a little bit longer or maybe limiting the amount of takeout you get

找一個室友，或者找一個會和你分攤房租的另一半，或者和父母多住一段時間，或者也許限制你每週叫外賣的次數。

each week there are honestly if you think that there's no room for improvement in your current expenses you're wrong because we all have room for improvement well i don't like to set

說實話，如果你認為你目前的支出沒有改進空間，你錯了，因為我們都有改進空間。雖然我不喜歡為自己設定

strict budgets for myself like i only get to spend fifty dollars on groceries a hundred dollars on clothes because inevitably budgets will always fluctuate right you'll end up spending less in

嚴格的預算，比如我只能花五十美元買雜貨、一百美元買衣服，因為預算總是會波動的——你最終會在

some categories and more in other categories it is still really important to track trends and see which direction you are moving and i like to make all of

某些類別花得少，在其他類別花得多——追蹤趨勢並看看你在朝哪個方向走還是很重要的。我喜歡所有

my purchases on a credit card because it helps build credit it also allows you the opportunity to have some points but if you have a hard time controlling your

購物都用信用卡，因為這有助於建立信用，也讓你有機會獲得一些積分。但如果你很難控制

spending i highly recommend just for one month not forever but for one month to redeem physical cash at the bank and make your expenses whether you're buying your groceries you're buying takeout

消費，我強烈建議只用一個月——不是永遠，但一個月——去銀行取實體現金，然後用實體現金購物，無論是買雜貨還是外賣

make those purchases with physical money i feel like when you see physical money the association is far stronger than when you just swipe a credit card because it's far easier to not think

都用實體現金支付。我覺得當你看到實體現金時，那種聯想比你刷信用卡時強得多，因為更容易不去想

about it not look at your credit card statement but when you have to see the physical bills it's a very different experience coming from a place where i have experience earning eight dollars an

它、不看信用卡帳單，但當你必須看到實體鈔票時，那是一種非常不同的體驗。作為一個曾經時薪八美元、

hour making minimum wage at a bakery i feel like i know the value of money very very well and i always think about every purchase in terms of the fact like oh if

在麵包店賺最低工資的人，我覺得我非常清楚錢的價值，我總是把每一筆購買都想成這樣——哦，如果

i wanted to buy this new iphone that's a thousand dollars then let's do a thousand dollars divided by eight i would have to work 125 eight hour shifts in order to pay

我想買這個新iPhone，一千美元，那讓我算一下，一千美元除以八，我需要工作125個八小時班才能

for this iphone do i really need this iphone would i be willing to work that amount or is it not something that i actually need at this moment no matter

付這個iPhone。我真的需要這個iPhone嗎？我願意工作那麼多嗎？還是這不是我現在真正需要的？不管

what job you're working if you can trying to figure out a hourly rate that you're getting paid and make your purchases relative to the number of hours that you are working

你做什麼工作，如果可以的話，試著算出你的時薪，然後把你的購買與你工作的小時數聯繫起來

it has prevented me from buying a lot of things that i probably do not need number three is a high yield saving account if you don't already have one

這讓我避免買了很多我可能不需要的東西。第三是高收益儲蓄帳戶。如果你還沒有，

you need to sign up and open one today i will try to leave some links to the ones that i use down below i personally love using marcus by goldman sachs but what

你今天就需要去註冊開一個。我會盡量在下面留下我用的那些的連結。我個人很喜歡用Marcus by Goldman Sachs，但

is a high yield savings account it's literally the same thing as your wells fargo checking account your chase checking account except it actually accrues interest i'm sure you've seen

什麼是高收益儲蓄帳戶？它基本上和你的Wells Fargo支票帳戶、Chase支票帳戶一樣，只是它實際上會產生利息。我相信你見過

like the deposit from your bank that's literally one or two cents annually and inflation this past year i think was six percent let's say you have a hundred

銀行的存款，每年真的只有一兩分錢，而去年的通貨膨脹我記得是6%。假設你有一百

dollars and that sits in the bank account because of inflation that was six percent your hundred dollars is now worth less than it was worth the previous year and so you always want to

美元放在銀行帳戶裡，因為6%的通貨膨脹，你的一百美元現在比前一年的價值更低了，所以你總是想

make sure that you're getting some sort of interest even if you have cash ready sitting in a bank and so high yield savings accounts right now the rates

確保你獲得某種利息，即使你有現金在銀行裡。所以高收益儲蓄帳戶現在的利率

aren't the best but you still at least get 0.5 a year which is a massive increase from whatever you're getting from your traditional bank let's say you have ten thousand dollars in your marcus

不是最好的，但你至少每年可以得到0.5%，這比你從傳統銀行得到的要高得多。假設你在Marcus

high yield savings account that means that every year you'd be getting fifty dollars just by keeping your money in the account now within a lot of the high yield savings accounts they often have

高收益儲蓄帳戶裡有一萬美元，這意味著每年你只要把錢放在帳戶裡就能得到五十美元。在很多高收益儲蓄帳戶中，它們通常有

something called cd aka a certificate of deposit and so basically that means that that money is locked in for a certain amount of time and they will give you a

所謂的CD，也就是定期存款。基本上這意味著那筆錢被鎖定一段時間，他們會給你

little bit of a higher rate if you know that you aren't going to be using that money anytime soon cds are a great way to kind of increase the baseline

稍高一點的利率。如果你知道你短期內不會用到那筆錢，CD是一個增加基本

interest that you would be getting so the way that i have my money structured is that any money that i immediately need to use for transactions i have in

利息的好方法。所以我的錢是這樣安排的：任何我立刻需要用來交易的錢都放在

my traditional bank account and then all of my other money including my emergency fund anything that i've been saving up goes directly into the high yield savings account i also think it kind of

我的傳統銀行帳戶裡，然後我所有其他的錢，包括我的應急基金和我存下來的所有東西，都直接進入高收益儲蓄帳戶。我也覺得這有點

employs the out of sight out of mind concept because since that money is not readily available i don't see it in my regular checking account it's a separate

採用「眼不見為淨」的概念，因為那筆錢不是隨時可用的，我在常規支票帳戶裡看不到它，它是一個單獨的

account then i don't have this idea or perception that i have far more money to spend than i actually do number four increase your income most people work

帳戶，所以我不會有這種想法或感覺，覺得我有比實際更多的錢可以花。第四，增加收入。大多數人有

some sort of stable w-2 income where you are working a set number of hours or maybe you are on a salary but basically that income is fixed from that job and

某種穩定的W-2收入，就是你工作固定的小時數或者你領固定薪水，但基本上那份工作的收入是固定的，

it's not going to fluctuate unless you're getting your annual review or a raise etc so the money in that pool is pretty limited however you can always always always start a side hustle now

除非你得到年度評估或加薪等，否則不會波動。所以那個資金池裡的錢是相當有限的。但是，你總是可以開始副業。

whether you want to be a content creator on the internet whether you want to sell something on etsy or you want to counsel other students on how to get into university the opportunities are

無論你是想在網上做內容創作者，還是想在Etsy上賣東西，或者你想輔導其他學生如何進入大學，機會

literally endless and i highly recommend if you don't already have a side hustle to diversify because you should never ever rely on one singular source of income and you might think i don't have

真的是無窮無盡的。我強烈建議如果你還沒有副業，就去多元化，因為你永遠不應該依賴單一的收入來源。你可能會想我沒有

any special skills you know i'm already really tired from my nine to five job and i totally understand that but truthfully every single person has such valuable knowledge that can be shared in

任何特殊技能，你知道我已經被朝九晚五的工作累壞了。我完全理解，但說實話，每個人都有可以

one way or another there's a lot of ways to automate your side hustle so that maybe you're initially investing a larger amount of time but then later on

以某種方式分享的寶貴知識。有很多方法可以自動化你的副業，這樣你可能最初投入更多時間，但之後

it becomes a very passive flow that you're not having to do too much work for an example is that i have a lot of friends who create courses let's say you

它會變成一個非常被動的收入流，你不需要做太多工作。一個例子是我有很多朋友創建課程。假設你

charge 99 for the course that you created you're only putting in the energy in that initial phase to create the course but later on people will continue to purchase the course without

收費99美元賣你創建的課程，你只在最初階段投入精力創建課程，但之後人們會繼續購買課程而

you having to put extra work into it i think one of the biggest challenges with having a side hustle is that when people feel like they have more income then

你不需要額外投入工作。我覺得有副業最大的挑戰之一是，當人們感覺他們有更多收入時，那就

that means that they have more money to spend now if you have an aggressive savings goal 100 of the money from your side hustle should be going directly

意味著他們有更多錢可以花。如果你有一個積極的儲蓄目標，你副業的100%收入應該直接

into your savings account because if you did the baseline expense calculation correctly then your w-2 income your stable job should be already covering all the expenses that you anticipated

進入你的儲蓄帳戶，因為如果你正確計算了基本支出，那麼你的W-2收入、你的穩定工作應該已經覆蓋了你預期的所有支出，

and anything extra from the side hustle should be the cherry on top and then finally we are going to be talking about whether or not you should be investing

副業的任何額外收入都應該是錦上添花。最後，我們要談談你是否應該投資

this money that you will immediately need within the next three to five years now like i said in the beginning i am a very conservative investor especially when it comes to anything related to

這筆你在未來三到五年內會立刻需要的錢。就像我一開始說的，我是一個非常保守的投資者，特別是涉及到任何與

money i'm still relatively new when it comes to the investing game i basically focus on investing in etfs um lots of index funds and so my technique is to

錢相關的事情。我在投資方面還比較新，我基本上專注於投資ETF、很多指數基金，所以我的技巧是

buy and that time in the market beats timing the market and so i basically buy and hold and i don't sell because i'm still relatively new to the investing

買入並持有。市場中的時間勝過市場時機，所以我基本上買入持有，不賣出，因為我在投資

game i did not personally feel comfortable with putting my money that i was gonna need within the next three years for a down payment into any sort

方面還比較新。我個人不太舒服把我未來三年內買房頭期款需要的錢投入任何

of stocks or bonds because i wanted to play it more so on the safe side obviously with any sort of investment you're taking some sort of risk and while the market averages between seven

股票或債券，因為我想更保守一點。顯然任何投資都有風險，雖然市場平均每年

to ten percent a year you just don't know when things would be going up or going down and i didn't want to be stuck in a situation where the moment that i

七到十個百分點，但你就是不知道什麼時候會漲、什麼時候會跌。我不想陷入那種情況：當我

was ready to buy my house and put the down payment was also the same time that the market crashed if you're a more seasoned or experienced investor by all

準備好買房付頭期款的時候，正好是市場崩盤的時候。如果你是更有經驗的投資者，

means if you know what you're doing you should definitely invest that money because you can get a little bit more back and of course if it is money that

如果你知道你在做什麼，你絕對應該投資那筆錢，因為你可以得到更多回報。當然，如果是

you do not need in the short term a hundred percent you should be investing that money that's just my take on it let me know in the comments if you would do

你短期內不需要的錢，你百分之百應該投資那筆錢。這只是我的看法。在評論裡告訴我你會

the same or if you would invest it i would love to hear your guys's thoughts because maybe the next time i buy my next house i can be doing things

做同樣的事還是你會投資，我很想聽聽你們的想法，因為也許下次我買下一套房子時我可以做得

differently i feel like i am navigating my mid-20s now and learning how to be smart with my money and a lot of you guys are kind of in a similar life stage

不一樣。我覺得我現在正在度過我的二十多歲中期，學習如何聰明地理財，你們很多人也處於類似的人生階段

as me and so it's really exciting that we all get to go on this journey together but i hope you enjoyed this video if you did please give it a thumbs

就像我一樣，所以我們都能一起踏上這段旅程真的很令人興奮。但我希望你喜歡這個視頻，如果喜歡的話請給它按個

up and don't forget to hit the subscribe button and i will see you guys next week bye

讚，別忘了點擊訂閱按鈕，我們下週見，拜拜！