Hi guys, welcome to 2026. If you're anything like me, then you probably love watching self-improvement videos and maybe you haven't really actually gotten around to doing anything yet. That's

嗨大家好，歡迎來到2026年。如果你和我一樣，那你可能很喜歡看自我提升的影片，但可能還沒真正開始做什麼。沒關係，

okay because I have compiled 10 easy actionable items that you can do to make sure that 2026 is your best year yet.

因為我整理了10個簡單可行的事項，你可以做來確保2026年是你最好的一年。

Number one, we're going to put a screen time limit. When I reduced my screen time, I suddenly had so much free time that I didn't even know what to do with

第一，我們要設定螢幕使用時間限制。當我減少螢幕使用時間後，我突然有了那麼多空閒時間，我都不知道該怎麼

myself. I also felt like all of my memories and my life started to feel so much more vivid and colorful. So, let's set a screen time limit together. It is

用。我也感覺我所有的記憶和生活開始變得更加鮮明和多彩。所以，讓我們一起設定螢幕使用時間限制。這

super simple. All you're going to do is go to the settings app of your phone and then you're going to scroll down to screen time. Comment down below what

超級簡單。你只需要進入手機的設定應用程式，然後向下滾動到螢幕使用時間。在下面留言告訴我你

your average screen time is. I'm honestly ashamed by mine. Click add limit and you can select the specific apps that you want limited. For me, I click under the social tab and I'm going

平均的螢幕使用時間是多少。老實說我對我的感到很羞愧。點選新增限制，你可以選擇你想要限制的特定應用程式。對我來說，我點選社交標籤，我要

to choose Instagram and Tik Tok. Now, the amount of time you want to limit yourself to obviously depends on what you do. I use social media for work, so

選擇Instagram和TikTok。現在，你想限制自己的時間長度顯然取決於你做什麼工作。我用社群媒體工作，所以

I give myself 2 hours a day. I feel like that's what's reasonable. And that is it. Super simple. Now, if you're wondering what actually happens when you

我給自己每天2小時。我覺得這是合理的。就這樣。超級簡單。現在，如果你想知道當你

hit this limit, you will get this screen and you'll have three options. To one, close the app like you're supposed to.

達到這個限制時會發生什麼，你會看到這個畫面，你會有三個選項。第一，像你應該做的那樣關閉應用程式。

Two, get an additional 15 minutes. And three, ignore the limit for the day. I do get this popup a lot more often than I'd like to admit, but it is a very good

第二，額外獲得15分鐘。第三，今天忽略限制。我確實比我願意承認的更常看到這個彈窗，但這是一個很好的

reminder. You okay, Lily? Sorry, my cat's playing around in the background.

提醒。你還好嗎，Lily？抱歉，我的貓在後面玩。

Other than just the screen time limit, the other thing I really like is a focused DND specific to you. So, I have one called work. When you customize your

除了螢幕使用時間限制，另一個我真的很喜歡的是專門為你設定的專注勿擾模式。所以，我有一個叫做工作的。當你自定義你的

own DND, it's super easy. You put a name, you pick a color, and then you're going to customize your focus. You can choose specific people that you will allow messages from. So, my husband

勿擾模式時，超級簡單。你輸入一個名字，選擇一個顏色，然後你要自定義你的專注模式。你可以選擇允許訊息透過的特定人。所以，我老公

Kevin, who's a surgical resident, he has one called on call that he uses while he's asleep, but every single person in his residency program and all of his attendings are on the notification list

Kevin，他是一名外科住院醫師，他有一個叫做待命的，他睡覺時使用，但他住院計劃中的每個人和所有他的主治醫師都在通知名單上，

where if they were to message him while he's on call, he would still get those notifications. For me, when I'm working, I have my entire management team, everybody who I work with, my family,

如果他們在他待命時給他發訊息，他仍然會收到那些通知。對我來說，當我工作時，我有我整個管理團隊，所有我合作的人，我的家人，

and my best friends. Oh, and my husband.

和我最好的朋友。哦，還有我老公。

You can also customize a specific lock screen. For me, I have this beach wallpaper, which means that it is time to work. My work focus is scheduled

你也可以自定義一個特定的鎖定螢幕。對我來說，我有這個海灘桌布，意味著是時候工作了。我的工作專注模式設定在

every single day from 10:00 a.m. to 5:00 p.m., so I don't even have to think about it. Number two, you are going to implement the 2-day rule for any habits

每天早上10點到下午5點，所以我甚至不用想它。第二，你要對任何你想堅持的習慣實施2天規則。

that you want to stick. It's simple. Never skip the same habit two days in a row. I honestly feel embarrassed to admit this, but Kevin and I have been paying for our gym

很簡單。永遠不要連續兩天跳過同一個習慣。老實說我承認這個有點尷尬，但Kevin和我已經付了健身房

membership for over a year. And that entire first year, we maybe went 20 times total. That means we spent a lot of money every single time we went to

會員費超過一年了。整個第一年，我們可能總共去了20次。這意味著我們每次去健身房都花了很多錢。

the gym. In November, I decided that I need to make a change. One day, I woke up and for the first time in my life, I started to go to the gym consistently.

11月，我決定我需要做出改變。有一天，我醒來，人生中第一次，我開始持續去健身房。

So much so that I've never missed two days in a row. A lot of the times, we don't reach the goals that we set for ourselves because we give ourselves too

以至於我從來沒有連續錯過兩天。很多時候，我們沒有達到為自己設定的目標，是因為我們給自己太

much flexibility, too much slack. I am very strict about it. I can skip one day, but I cannot skip two in a row.

多彈性，太多鬆懈。我對此非常嚴格。我可以跳過一天，但我不能連續跳過兩天。

There's a famous quote by James Clear that goes, "We do not rise to the level of our goals. We fall to the level of our systems." Instead of asking

James Clear有一句名言：「我們不會上升到我們目標的水平。我們會下降到我們系統的水平。」與其問

yourself, "Do I want to go to the gym?" Tell yourself, "I am going to the gym." Remove the choice out of it. Because when you give yourself the choice, you

自己「我想去健身房嗎？」告訴自己「我要去健身房。」從中移除選擇。因為當你給自己選擇時，你

will always take the easy way out. Now, the 2-day rule can be applied to almost every other area of your life. Whether it's cooking, eating at home, journaling, you pick the habits that you

總是會走簡單的路。現在，2天規則可以應用到你生活的幾乎每個其他領域。無論是做飯、在家吃飯、寫日記，你選擇你

want to stick and implement the rule. Number three, prefill your calendar.

想堅持的習慣並實施這個規則。第三，預先填滿你的日曆。

This is one of those things that's going to take less than 30 minutes that will make you feel like you are on top of it.

這是那種花不到30分鐘就能讓你感覺自己掌控一切的事情之一。

You know that feeling when you get a birthday text from somebody who you would have never expected to remember your birthday. And it really brightens your day because you think to yourself,

你知道那種當你收到一個你從未預期會記得你生日的人發來的生日簡訊時的感覺。它真的讓你的一天變得明亮，因為你會想，

"Wow, this person is so thoughtful. I can't believe they remembered." And whether we like it or not, interpersonal relationships are the biggest indicator of our own happiness, our own

「哇，這個人太貼心了。我不敢相信他們記得。」不管我們喜不喜歡，人際關係是我們幸福和

fulfillment. Maybe you want to get promoted. Then it's really important for you to manage those relationships with the people that you work with. Be the person who remembers. Three things that

滿足感的最大指標。也許你想升職。那麼管理你與工作夥伴的關係對你來說真的很重要。成為那個記得的人。三件

you need to add to your calendar. Number one, birthdays. This includes family, extended family, your friends, bosses, business partners. Put in a calendar reminder so that you remember to send

你需要新增到日曆上的事情。第一，生日。這包括家人、大家庭、你的朋友、老闆、商業夥伴。設定一個日曆提醒，這樣你會記得送

flowers, a card, or at least a text message. Now, if you're asking yourself, "Wait, I don't actually know these people's birthdays." One of my friends recently did this, and it is so

花、卡片，或至少一條簡訊。現在，如果你在問自己「等等，我其實不知道這些人的生日。」我的一個朋友最近做了這個，真的很

smart. Send out a Google form and just say, "Hey, it's 2026. I'd love to update my address book with your info. Ask them their name, their birthday, their address. Maybe you're sending out

聰明。傳送一個Google表單，就說「嘿，2026年了。我想更新我的通訊錄，加入你的資訊。」問他們的名字、生日、地址。也許你要寄

Christmas cards." You can also ask them for the names of any pets that they have. And boom, you will have all of the information in one place. Number two,

聖誕卡。你也可以問他們任何寵物的名字。然後，你就會在一個地方擁有所有資訊。第二，

you're going to fill it out with big events. This includes things like weddings, graduations, maybe you're running a marathon, maybe your grandma's turning 60 years old. All of the big

你要填入大型活動。這包括婚禮、畢業典禮、也許你要跑馬拉鬆、也許你奶奶60歲。所有

events in your life, put them in your calendar now. And if you need to travel for it, go ahead and go to Google Flights and set up a flight alert so

你生活中的大事件，現在就放進日曆。如果你需要為此旅行，去Google Flights設定一個機票提醒，這樣

that you can book the best possible price. I used to be really good about booking flights when they are cheap and affordable. But as I've gotten older and my schedule becomes more unpredictable,

你可以訂到最好的價格。我以前真的很擅長在機票便宜實惠時訂票。但隨著年齡增長，我的日程變得更加不可預測，

I've often had to buy a lot of flights last minute because of poor planning.

我經常不得不因為計劃不週而臨時買很多機票。

Set up your Google flight alert so that you don't do that to yourself. And finally, appointments. Have you ever tried to get a dentist appointment when everybody else is also trying to get one

設定你的Google機票提醒，這樣你就不會對自己這樣做。最後，預約。你有沒有試過在大家都在試圖預約的12月預約牙醫？

in December? It is a hot mess. If you're in the US and you have a dental insurance plan, you are entitled to two cleanings every year. Make sure you use

那是一團糟。如果你在美國有牙科保險計劃，你每年有權享受兩次洗牙。確保你使用

them because you are paying for them. I set my dental appointments the year prior, so I have one in June and December every single year. Book it now,

它們，因為你正在為它們付費。我會在前一年設定我的牙科預約，所以我每年6月和12月各有一次。現在就預約，

even if you have to reschedule it. It is way easier to reschedule something than to book a new appointment. Number four, and this might be my favorite one, make

即使你需要改期。改期比預約新的要容易得多。第四，這可能是我最喜歡的一個，製作

a lucky list. I started making a lucky list a couple of years ago. You know, life is hard. There's a lot of things that go wrong every day and

一份幸運清單。我幾年前開始製作倖運清單。你知道，生活很艱難。每天有很多事情出錯，

challenges that we have to deal with and it's really easy to focus on the negative things and we often need to be reminded that there is a lot of good and

我們必須處理的挑戰，很容易專注於負面的事情，我們經常需要被提醒還有很多好的和

great things that happen to us. Open your notes app right now and title it 2026 lucky list. Now, every time something good happens, you are going to write it down. It doesn't

美好的事情發生在我們身上。現在就開啟你的筆記應用程式，標題為2026幸運清單。現在，每次有好事發生，你就要寫下來。不

matter how small it is or how big it is.

管它有多小或多大。

If you feel like you should write it down, write it down. I'm going to give you some examples that I have recently.

如果你覺得應該寫下來，就寫下來。我要給你一些我最近的例子。

November 18, went to the gym by myself for the first time and completed a full workout routine. That probably sounds weird, but I had a fear of going to the

11月18日，第一次獨自去健身房並完成了完整的運動計劃。這聽起來可能很奇怪，但我曾經害怕沒有Kevin就去

gym without Kevin because I just did not feel confident in using the gym equipment and everything. And November 18th was the first day that I did that.

健身房，因為我就是對使用健身器材和一切不自信。11月18日是我第一次做到的。

And now I would say probably 70% of the times I go without him. November 19th, I got two offers for brands that I really wanted to work with. On November 26th,

現在我會說大概70%的時候我都是獨自去的。11月19日，我收到了兩個我真的很想合作的品牌的邀約。11月26日，

Kevin worked his last ever Thanksgiving shift in residency. And on November 27th, I got 50% off a robe that I've been eyeing for a while. No thing is too

Kevin上了他住院期間最後一個感恩節班。11月27日，我用五折買了一件我關注很久的浴袍。沒有事情太

small to write down. I'll even write down like, hey, ran into my neighbor, got to chat with her, and anytime you need to pick me up, I love pulling up

小而不值得寫下來。我甚至會寫下像「遇到了我的鄰居，和她聊了一下」這樣的事，每當你需要振作自己時，我喜歡拿出

this list. I'm also very forgetful, and sometimes I just don't remember what happened in my life. But having my lucky list, I can very easily see an overview

這份清單。我也很健忘，有時候我就是不記得生活中發生了什麼。但有了我的幸運清單，我可以很容易地看到

of all the fun things that have happened. If you ever share your lucky list on social media, please tag me. I would love to see it. Number five,

所有發生過的有趣事情的概覽。如果你在社群媒體上分享你的幸運清單，請標記我。我很想看到。第五，

you're going to set things on autopilot. The more hands-off you can be, the more time you allow to do things that you actually want to be doing. There are

你要把事情設成自動化。你能越放手，你就有越多時間做你真正想做的事。有

many things that don't really require our day-to-day attention that you can set off on its own. First off, we have the retirement contribution. Now, the 2026 maximum is $24,500.

很多事情其實不需要我們每天關注，你可以讓它自己運作。首先，我們有退休金提撥。現在，2026年的上限是24,500美元。

If you divide that by 12, it gives you $2,042.

如果你除以12，就是2,042美元。

So that's how much you should be contributing if you want to max out your retirement in 2026. Go into Vanguard, go into Fideli right now so that you don't

所以如果你想在2026年最大化你的退休金，這就是你應該提撥的金額。現在就進入Vanguard，進入Fidelity，這樣你就不用

have to think about it. Bills: water, sewage, garbage, gas, Wi-Fi. Set all of those things on autopilot. Usually at the start of every year, I also like to

去想它。帳單：水費、排汙費、垃圾費、瓦斯費、Wi-Fi。把所有這些設成自動化。通常在每年初，我也喜歡

call my internet provider or chat with them online because they have new promotions. And specifically with internet, I'm almost always able to negotiate a better rate than what I'm

打電話給我的網路供應商或線上聊天，因為他們有新的促銷活動。特別是網路，我幾乎總是能談到比我

paying monthly. Next up for animals, cat food, dog food, medications, treats, and toys. Our family uses Chewy for our animals, and I have all of their food perfectly calculated so that it arrives

每月付的更好的價格。接下來是動物，貓糧、狗糧、藥物、零食和玩具。我們家用Chewy買動物用品，我把它們所有的食物都完美計算好，這樣它

on my doorstep before it runs out. Lucky is also on a medication that is also looped in there. And photo backups. How many photos are in your camera roll

在用完之前就會送到我家門口。Lucky也在吃的藥也包含在裡面。還有照片備份。你的相機膠捲裡現在有多少照片？

right now? Sadly, I have 47,000 and this is already with regular backing up. I used to manually back up everything from my phone to a hard drive and it was

可悲的是，我有47,000張，這還是已經定期備份過的。我以前手動把手機裡的所有東西備份到硬碟，這

deeply painful and time consuming. Now I pay for a Google Photos subscription and it backs up every single evening on its own and I don't have to think about it.

真的很痛苦又很耗時。現在我付費訂閱Google相簿，它每天晚上自動備份，我不用去想它。

Number six, we're going to review our subscriptions and our credit cards. I want you to open up your credit card bill and look through all of the things

第六，我們要檢查我們的訂閱和信用卡。我要你開啟你的信用卡帳單，看看所有

that you are paying for in a recurring basis. Netflix, Crunchyroll, Amazon Prime, Peacock. I am willing to bet money that there are things in there that you don't even use that you are

你定期付費的東西。Netflix、Crunchyroll、Amazon Prime、Peacock。我敢打賭裡面有你根本沒在用但在

paying for. You can also use a program like Rocket Money where it automatically will pull up all of your subscriptions as long as you input your accounts. It's

付費的東西。你也可以用像Rocket Money這樣的程式，只要你輸入你的帳戶，它會自動列出你所有的訂閱。

free to sign up and look at the subscriptions, but it costs money if you want them to cancel it for you. But I think you can do that on your own. No

註冊和檢視訂閱是免費的，但如果你想讓他們幫你取消就要付費。但我覺得你自己可以做。不

need to pay for it. My rule with subscriptions is that if I'm not 100% sure, then cancel it. If you ever need it for some reason, you can always

需要付費。我對訂閱的規則是，如果我不是100%確定，就取消它。如果你因為某個原因需要它，你隨時可以

resubscribe, but start by canceling it and see where you land. Now, let's talk credit cards. Do you ever question if your credit card is actually worth the annual fee that you're paying? I'm going

重新訂閱，但先取消它，看看情況如何。現在，讓我們談談信用卡。你有沒有質疑過你的信用卡是否真的值得你付的年費？我要

to show you how you can do the math.

教你怎麼算。

Let's take the Amx Gold card for example, which I like to use cuz it gives me 4x points on food and groceries. The annual fee is $325.

讓我們以美國運通金卡為例，我喜歡用它是因為它給我食物和雜貨4倍點數。年費是325美元。

However, I get $220 in dining credit, which I use. So, I'm going to subtract $220 from $325, which means I'm still paying $105 for this annual fee. To keep

然而，我可以獲得220美元的餐飲額度，我會用到。所以，我要從325美元減去220美元，這意味著我仍然要為這個年費付105美元。為了

things really simple, we will assume that one point is worth 1 cent. Now, obviously, every credit card point is worth a little bit different. And then depending on how you're using the point

簡單起見，我們假設一點值1分錢。顯然，每種信用卡點數的價值都有點不同。然後取決於你如何使用和

and how you're transferring it, this can vary, but we're going to keep it simple.

轉換它，這會有所不同，但我們保持簡單。

So, to make a 4X card worth it at $105, we're going to take 105 and divide it by 0.04 cuz you're getting 4% back on those purchases. That gives us $2,625,

所以，要讓4倍卡在105美元下值得，我們要把105除以0.04，因為你在這些消費上獲得4%的回饋。這給我們2,625美元，

which is how much I need to spend on food and groceries to get back the 105.

這就是我需要在食物和雜貨上花多少錢才能賺回那105美元。

That's probably a lot more than you thought. You can quickly do the math for all of your credit cards, or if you're lazy, just make Chad GPD do the math and

這可能比你想的要多。你可以快速為你所有的信用卡做這個計算，或者如果你懶，就讓ChatGPT幫你算，然後

figure out which credit cards you need to cancel, if any. Now, if you've already paid the annual fee, the smart thing to do is, of course, keep the card

弄清楚你需要取消哪些信用卡，如果有的話。現在，如果你已經付了年費，聰明的做法當然是保留這張卡

until it's about to renew. But go to your account right now and figure out when it's going to renew and put a calendar reminder so that you don't

直到快要續期。但現在就去你的帳戶，弄清楚它什麼時候要續期，設一個日曆提醒，這樣你就不會

forget to cancel it. I personally have my credit card stack pretty optimized now, but let me know if you want a full video and I can definitely do that in

忘記取消它。我個人的信用卡組合現在已經相當最佳化了，但如果你想看完整影片，讓我知道，我絕對可以在

the future. Number seven, we are going to do a digital declutter. We often remember to clean our physical space, but what about the digital space where we spend the majority of our time? I'm

未來做一個。第七，我們要做數位整理。我們經常記得清理我們的物理空間，但我們花大部分時間的數位空間呢？

going to be honest with you, my downloads folder has 9,031 things in there. I dare you to tell me in the comments how many things are in your downloads folder. But here's a

我要對你坦白，我的下載資料夾裡有9,031個東西。我敢你在留言裡告訴我你的下載資料夾裡有多少東西。但這裡有

couple things to remember to clean out. One, of course, the downloads folder.

幾件要記得清理的東西。第一，當然是下載資料夾。

Two, your desktop icons, folders. Clean up those old screenshots, documents, and square away the files where they need to go. Now, if you're using an Apple computer and you are not using stacks, I

第二，你的桌面圖示、資料夾。清理那些舊的截圖、檔案，把檔案歸檔到它們應該去的地方。現在，如果你用的是蘋果電腦而且你沒有用堆疊，

highly recommend it. All you have to do is go to view and click use stacks. This will automatically sort and clean up your desktop for you. All the screenshots go in one place, pictures,

我強烈推薦它。你只需要去檢視，然後點選使用堆疊。這會自動為你整理和清理你的桌面。所有截圖放在一個地方，圖片、

documents, etc. Next up, your email inbox. There are two types of people in this world. Inbox zero and inbox 3,742 million. I'm the first, Kevin is the

檔案等等。接下來，你的電子郵件收件匣。這個世界上有兩種人。收件匣清零的人和收件匣有3,742百萬的人。我是第一種，Kevin是

second. If you have so many unread mail, how do you even know what's important and what's not? The ideal scenario is to, of course, go through and sort

第二種。如果你有這麼多未讀郵件，你怎麼知道什麼重要什麼不重要？理想的情況當然是通讀並整理

through it. But let's be realistic. Most of us don't have that much time. At a minimum, go to your search bar, type in label colon unread. This will pull up

它。但讓我們實際一點。我們大多數人沒有那麼多時間。至少，去你的搜尋欄，輸入label:unread。這會列出

all of your unread messages. Click select all and mark as red. That way, you can start fresh. You're also going to unsubscribe from email list that you

你所有的未讀訊息。點選全選，然後標記為已讀。這樣，你可以從頭開始。你也要取消訂閱你

no longer want to receive mail from. On the Gmail slider bar, you will see what's called manage subscriptions.

不再想收到郵件的郵件列表。在Gmail側邊欄，你會看到一個叫做管理訂閱的選項。

Click that and you will see a list of all the promotional emails that you receive, as well as how often they email you. go ahead and unsubscribe from all

點選它，你會看到所有你收到的促銷郵件列表，以及它們多常發郵件給你。繼續取消訂閱所有

the ones that you don't want to receive anymore. Not only will it clean up your inbox, but you might also save money from shopping less. And finally, we have a social media detox and

你不想再收到的。這不只會清理你的收件匣，你可能還會因為少購物而省錢。最後，我們有社群媒體排毒和

declutter. Start of the year is a great time to go through your following list.

整理。年初是瀏覽你的關注列表的好時機。

And if there's anybody who doesn't make you feel confident about yourself, doesn't make you feel good or happy. I think no hard feelings. Go ahead and follow them. I think about my

如果有任何人不讓你對自己感到自信，不讓你感覺好或快樂。我覺得沒什麼不好意思的。繼續取消關注他們。我把我的

social media and the people I follow, like a room full of people. Would I want them in my digital room when I open it up? Number eight, goal setting, but keep

社群媒體和我關注的人想像成一個充滿人的房間。當我開啟它時，我會想讓他們在我的數位房間裡嗎？第八，設定目標，但保持

it simple. I'm going to teach you how to set your goals so that you'll actually achieve them. In the past, I've definitely made the mistake of over complicating and making a fancy notion,

簡單。我要教你如何設定目標，這樣你才能真正達成它們。過去，我確實犯過把事情搞得過於複雜的錯誤，做一個花哨的notion，

journaling, bullet journaling, all these things only for it all not to be effective. I have figured out the most foolproof way to make sure my goals stick. And it's really simple. If I told

寫日記、子彈筆記，所有這些最後都沒有效果。我已經找到了最萬無一失的方法來確保我的目標能堅持。而且真的很簡單。如果我告訴

you something would give you a 42% higher chance of winning the lottery, would you do it? Well, your dreams and your goals are your real life lottery. and science shows that writing

你某件事會給你42%更高的中彩票機會，你會做嗎？嗯，你的夢想和目標是你現實生活的彩票。科學表明寫

it down makes it 42% more likely to happen. You're going to open up a Google sheet and there's going to be two different types of goals, qualitative and quantitative. Quantitative is easier

下來會讓它發生的可能性提高42%。你要開啟一個Google試算表，會有兩種不同型別的目標：質性和量化。量化比較容易

to understand, so let's start there. This is anything that's related to a number. How much income do you want to make? How much do you want to contribute to your retirement? How much do

理解，所以我們從那裡開始。這是任何與數字相關的東西。你想賺多少收入？你想為退休提撥多少？你

you want saved up for your house? Anything related to a number will go in this column. It can also be the number of shifts that you want to pick up, the

想存多少錢買房？任何與數字相關的都放在這一欄。也可以是你想加班的次數、

number of overtime, a sales goal that you have. All of that will go in your quantitative. Now, as a creator, in the quantitative column, I have all of my

加班數量、你有的銷售目標。所有這些都放在你的量化欄。現在，作為一個創作者，在量化欄，我有我所有的

growth goals. So, how many new followers I'd like to gain on Instagram, Tik Tok, and YouTube. And now, let's move on to qualitative goals, which are my personal

成長目標。所以，我想在Instagram、TikTok和YouTube上獲得多少新粉絲。現在，讓我們轉到質性目標，這是我個人

favorite. A lot of the times, we focus a lot on the numbers, but the things that actually count and really matter are the qualitative goals. So, I'd like to share

最喜歡的。很多時候，我們過度關注數字，但真正重要的是質性目標。所以，我想分享

with you the list that I had for the previous year. And again, keep this list 10 goals and under. Don't make it too complicated. For 2025, I hit nine out of

我前一年的清單給你。再次，保持這個清單在10個目標以內。不要把它搞得太複雜。2025年，我達成了10個目標中的9個，我覺得相當不錯。我想這是紀錄。

10 of my goals, which I feel like is pretty good. I think that's a record.

我唯一沒做到的是去看F1比賽，這去年對我來說不太合適。但看看這份清單的其餘部分，我對自己印象深刻。

The only thing I didn't get to do was go to an F1 race, which just wasn't in the cards for me last year. But looking at the rest of this list, I'm honestly

你的質性目標可以是任何事情，像是帶我父母去一趟全額付費的旅行，或者可以是在家學會做

impressed with myself. Your qualitative goals can be anything like take my parents on an all expenses paid for trip, or it can be master making a

抹茶這樣我就不用去咖啡廳。它可以像你想的那樣簡單或複雜和宏大，但弄清楚那些能

matcha at home so that I don't have to go to the cafe. It can be as simple or as elaborate and big as you'd like it to be, but figure out what those things

為你生活帶來很多意義的事情是什麼，並把它們放在清單上。我喜歡用Google試算表的原因是它總是在那裡，它是免費的，

that bring a lot of meaning to your life are and put them on the list. And the reason I like to use Google Sheets is because it's always there, it's free,

而且很方便。我有這些資料一直追溯到2020年，我可以很容易地看到年復一年我做了什麼、達成了什麼，以及我需要努力的領域。

and it's accessible. I have this data backdated all the way until 2020, and it's really easy for me to see year-over-year what I've done, what I've achieved, and which areas I need to work

第九，自動化你的投資。你能做的最聰明的事是讓你的錢為你賺錢。當你的錢放在傳統銀行帳戶時，你每年都在

on. Number nine, automate your investments. The smartest thing that you can do is let your money make money for you. When your money is sitting in a traditional bank account, you are losing

損失價值。而股市平均每年回報7到10%。現在，我是所謂的懶惰投資者。我不是每天都在看股市，瞭解

value every year. Whereas the stock market on average returns 7 to 10% every year. Now, I'm what's called a lazy investor. I am not looking at the stock market every single day knowing

它的一切。我真的相信在市場裡的時間勝過把握市場時機。所以，對我來說最好的投資方式是買入並持有。每

everything about it. I truly believe that time in the market beats timing the market. And so, the best way for me to invest is to buy and hold. Every single

週同一天，我買同樣金額的指數基金。如果你不熟悉指數基金，與其選擇風險可能更高的個股，你也需要

week on the same day, I buy the same amount of an index fund. If you're not familiar with index funds, rather than picking individual stocks, which can be more risky, you also need

瞭解更多。我喜歡買指數基金，它們像是一籃子股票。有追蹤標普500的指數基金，那是美國前500大

to know a lot more. I like to buy index funds, which are like a basket of stocks. There are index funds that track the S&P 500, which are the 500 top

表現的公司。你不是押注在一家公司上，而是買整個籃子。我要給你一個例子，說明為什麼現在開始投資如此重要，

performing companies in the US. And instead of betting on one company, you're buying the whole basket. And I'm going to give you an example to show you why it's so important to start investing

即使你沒有很多錢投資。兩個人，A和B，他們要投資同樣的金額。A要

right now, even if you don't have a lot to invest in. Two people, person A and person B, they're going to invest the same amount. Person A is going to invest

從25歲到35歲每個月投資100美元，然後他們要停止投資。B要同樣每月投資100美元，但從35歲到45歲，

$100 every single month from 25 to 35 and then they're going to stop investing. Person B is going to invest the same $100 a month but from 35 to 45

然後停止投資。假設市場每年回報約8%。當他們65歲退休時，A會有168,000美元，而B只會有73,000美元。

and then stop investing. Let's assume that the market returns about 8% every year. When they retire at 65, person A will have $168,000 whereas person B will only have 73,000.

這是同樣的錢投入，只是一個比另一個早。而差別是95,000美元。

It is the same amount of money being put in one just earlier than the other. And the difference is $95,000.

這就是複利的力量。所以你越早開始投資，即使是較小的金額，真的真的很重要。現在，你如何自動化那些投資？什麼平臺是

That's the power of compound interest. So the earlier you can start investing, even if it's smaller amounts really, really matters. Now, how do you automate those investments? What platform is the

最好的？有很多不同的東西你可以用。我要分享我用的兩個。我幾乎所有的退休帳戶都在

best? There are so many different things that you can use. I'm going to share the two that I use with you. Almost all of my retirement accounts are through

Vanguard，他們有一個自動投資系統，你可以買共同基金和ETF。所以，我個人每週二有一個定期自動投資VO。另一個

Vanguard, and they have an automatic investment system where you can buy mutual funds and ETFs. So, I personally have a recurring automatic investment in VO every single Tuesday. The other

我用的平臺是Robinhood。我真的很喜歡Robinhood，因為它很使用者友好。你可以很容易地在手機上檢視。同樣，每週二我買同樣

platform that I use is Robin Hood. I really like Robin Hood because it is userfriendly. You can check it on your phone very readily. And same thing, every Tuesday I buy the same

金額的VO。當你選擇要購買哪個指數基金時，考慮看看費用比率，這基本上是你為購買基金必須支付的費用金額。

amount of VO. When you're picking which index fund you want to purchase, consider looking at the expense ratio, which is basically the amount of fees that you have to pay to purchase the

最後，第十，弄清楚你的觀點並開始果斷。我以前是一個非常優柔寡斷的人。

fund. And finally, number 10, figure out your POV and start being decisive. I used to be a very indecisive person.

我該選這個還是那個？我想要白色嗎？我想要藍色嗎？如果我選了什麼結果不是正確的選擇怎麼辦？我很難

Should I pick this or pick that? Do I want white? Do I want blue? What if I pick something and ends up being not the right choice? I had such a hard time

選擇。隨著年齡增長，我感覺我更瞭解自己了，也更知道如何做出反映我的決定。

choosing. And as I get older, I feel like I know a lot more about myself and how to make decisions that reflect me.

所以，我要教你如何弄清楚你的觀點和你是誰。很多時候，我們非常瞭解我們愛的人，但我們實際上不

So, I'm going to teach you how to figure out your POV and who you are. A lot of the times, we know the people that we love really well, but we actually don't

瞭解自己。所以，我喜歡做一個我稱之為人生地圖的練習。

know ourselves. So, I like to do an exercise that I call life mapping.

你要在中間的圓圈裡寫下你的名字。然後你要畫出小分支，連線到所有讓

You're going to write your name in a circle in the middle. And then you're going to draw little branches that come out of all of the different things that

你成為你的不同事物。這可以是你有的動物、你有的孩子、嗜好、也許你喜歡打高爾夫、也許你喜歡滑雪、你會說的語言、

make you who you are. This could be animals that you have, children that you have, um hobbies, maybe you like to golf, maybe you like to ski, languages

讓你成為你的東西。也畫一個小圓圈給所謂的美學。你喜歡什麼樣的風格？你喜歡什麼樣的妝容？

that you speak, things that make you you. And also draw a little circle for what's called aesthetic. What kind of style do you like? What kind of makeup

與其追逐所有這些潮流——因為消費主義，當然，我們總是會被鼓勵嘗試這個、嘗試那個。一旦這個變得流行，然後

do you prefer? Instead of chasing all these trends, because consumerism, of course, we're always going to be encouraged to try this, try that. As soon as this becomes popular, then the

下一個東西又出來了。弄清楚你喜歡什麼，不是別人喜歡什麼，你喜歡什麼。我知道對自己來說，我不喜歡特別濃的妝容。我更喜歡清爽、乾淨的妝感。

next thing pops up. Figure out what you like, not what everybody else likes, what you like. I know for myself, I don't like a particularly heavy makeup look. I prefer a lighter, cleaner look.

你的風格是什麼？我想要時髦，但不能以犧牲舒適為代價。

And what's your style? I want to be stylish, but not at the cost of comfort.

當你開始識別所有關於你自己的這些事情時，做大決定就變得真的很容易。例如，當我看著一個凌亂的衣櫃，我試圖決定該保留哪些

And when you start to identify all those things about yourself, it makes it really easy to make big decisions. For example, when I look at a cluttered closet, I'm trying to decide which

單品時，我知道我需要舒適。因此，那件超級癢但超級可愛的羊毛毛衣需要捐掉，因為那

pieces to keep. I know that I need to be comfortable. Therefore, that wool sweater that is super itchy but super cute needs to be donated because that

與我作為一個人是誰不一致。

doesn't align with who I am as a person.

如果你仍然很難做出決定，想想最理想版本的你自己，你的夢想自我。

And if you still have a hard time making a decision, think about the most ideal version of yourself, your dream self.

那個人會對這個選擇說什麼？他們會怎麼選？通常，你有答案。你只是還不知道。我對2026年超級興奮。我喜歡

What would that person say to this choice? How would they choose? Usually, you have the answer. You just don't know it yet. I'm so excited for 2026. I love

看預測、星座迷信，但我是那種如果是好的，我全部相信。如果是壞的，我不吸引那個。謝謝

to read the predictions, the zodiac superstitions, but I'm the kind of person where if it's good, I believe all of it. And if it's bad, I do not manifest that. Thank you

你堅持看完這個影片。如果你喜歡的話，請請請告訴我你這個月還想看什麼其他影片，也許

for sticking around watching this video. If you enjoyed it, please, please, please let me know what other videos you want to see this month and maybe for the

今年剩下的時間。別忘了，你是滿分10分。不要讓任何人讓你覺得不是這樣。下次見。拜拜。

rest of the year. Don't forget, you're a 10 out of 10. Don't let anyone else ever make you feel otherwise. And I will see you guys in the next one. Bye.

再見！我們下次見！