100萬(wàn)存款能撐多久？

• Grant Cardone

百萬(wàn)富翁只不過(guò)是愁錢用的中產(chǎn)階級(jí)嘱丢。
Millionaires are basically middle-class people that are worried about money.
一百萬(wàn)，如果你沒(méi)有新的收入來(lái)源祠饺，而你，你幾歲汁政？
Million dollars道偷，if you didn't have any more income and you were.How old are you ?
27歲，你沒(méi)有任何收入记劈。一百萬(wàn)勺鸦。
27 years old and you didn't have any income.A million dollars.
多久會(huì)被花光呢？如果一個(gè)月花4千美元目木，你能撐25年换途。
How long would that money lasts ? If 4000 a month,you got 25 years.
這25年每個(gè)月你只能用4000過(guò)活。到那時(shí)候你才52歲哪刽射，朋友,
You got to live on 4000 a month for 25 years. You will be 52 years old my friend.
身無(wú)分文军拟。每個(gè)人都說(shuō)“天啊，標(biāo)志性的百萬(wàn)富翁誓禁，你真富有懈息。”
and dead broke.Everybody's like "oh my god,the iconic millionaire,You're wealthy."
你一點(diǎn)也不富有摹恰，老兄辫继。你在擔(dān)憂。
You're not wealthy,dude.You're worried,it's what you are, okay?
因?yàn)槟銢](méi)有新的收入來(lái)源了俗慈。這個(gè)方程式是假設(shè)沒(méi)有通貨膨脹姑宽，
Because you don't have new income.This equation right here doesn't assume any inflation,
假設(shè)所有事情保持不變，租金沒(méi)有提高闺阱，汽車貸款沒(méi)提高炮车，全部保持不變。
assumes everything stays the same,in it's rent never goes up,it's car payments don't go up,
nothing goes up.
這是不可能的馏颂。不可能的周期示血。問(wèn)題在于沒(méi)人在討論這件事，
It's impossible.It's an impossible cycle.The problem is nobody talks about this,
因?yàn)闆](méi)有人想在電視上提醒你救拉，嘿难审，百萬(wàn)富翁只不過(guò)是愁錢用的中產(chǎn)階級(jí)。
because nobody wants to go on TV and say "Hey,millionaires are basically middle-class people
that are worried about money".
如果是1000萬(wàn)呢亿絮？話說(shuō)我覺(jué)得這才是對(duì)的數(shù)字告喊，CNBC（財(cái)經(jīng)媒體）說(shuō)是500萬(wàn)
What if it took 10 million? By the way I think that's the number, CNBC
says it's 5 million.
我認(rèn)為真實(shí)的數(shù)字是1000萬(wàn)麸拄。1000萬(wàn)，沒(méi)有新的收入來(lái)源黔姜。
I think the number's really 10 million,ok.10 million,with no new income.
你可能能夠過(guò)你想要的生活拢切。
You could probably live the life you wanted to.
所以，你要做的第一件事是你要改變你的目標(biāo)秆吵，你要每天盯著那個(gè)目標(biāo)淮椰。
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.
你設(shè)錯(cuò)目標(biāo)了，如果你在苦苦掙扎纳寂，表示你設(shè)錯(cuò)目標(biāo)了主穗。
The target you have the wrong target right now,if you're struggling,you
have the wrong target.
當(dāng)你重設(shè)目標(biāo)，一切都會(huì)改變毙芜。
when you change the target,everything changes.
第二你要讓你的收入達(dá)到忽媒，這是一個(gè)有趣的概念。
Number two,you need to get your income to a place.This is a fascinating concept right here.
如果你能做到這個(gè)腋粥，我保證你能致富晦雨。你需要達(dá)到的收入
Okay if you can do this,I guarantee you'll be rich.You need to get your income
不只是足以支付賬單而是能夠讓你存下總收入的40%。
not to what pays your bills but to where you can save 40% of your gross income
is saved okay.
如果要談?wù)撾y度隘冲，這會(huì)比那個(gè)（1千萬(wàn)）更加難做到
You want to talk about something difficult,this is way more difficult than that.
如果你能做到這個(gè)闹瞧，你肯定能做到那個(gè)（1千萬(wàn)）。
If you can do this,you will get that.
如果你一個(gè)月賺1萬(wàn)对嚼，然后你得存下4000,你需要先支付你自己夹抗。
If you make 10000 a month and you want to save 4000 if it,you would pay yourself
first,okay.
我們知道IRS（美國(guó)國(guó)家稅務(wù)局）會(huì)先扣除4千。
We know the IRS is gonna take,they're gonna withhold 4000 of it.
注意纵竖，如果你從1萬(wàn)里面給IRS繳付4千漠烧，你得想辦法怎么支付自己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.
問(wèn)題出現(xiàn)在哪里靡砌？你只能依靠2千過(guò)活已脓。一直做這樣的算式。
What's the problem here? You got to live on 2000,so just keep
doing the math now.
這是你應(yīng)該跟你另一半一起做的算式通殃。要規(guī)劃出來(lái)直到度液，
This is the math you need to do with your spouse.You need to keep working it out
until you're like,
當(dāng)他說(shuō)：“我們買一臺(tái)新車吧”，“但是我們沒(méi)剩錢買新車了”
he's like,"lets go buy a new car","yeah,we ain't got any money fo a new car"
這是為什么當(dāng)我在35歲時(shí)画舌，沒(méi)有人知道我是百萬(wàn)富翁堕担。
That's why when I was 35 years old,no one knew that I was millionaire.
前后沒(méi)有任何改變。我還是穿著那雙破鞋跑步曲聂。
Nothing had changed.I was still running with shit shoes,you know.
買40元的鞋子,衣服能越耐久越好霹购，沒(méi)有人發(fā)現(xiàn)，我沒(méi)有駕豪車朋腋。
buying 40 shoes and working a shirt out as long as I could and like
nobody saw I didn't have fancy cars.
我駕的是Camry齐疙，但是銀行里有一百萬(wàn)現(xiàn)金膜楷。
I'm driving a Camry but a million bucks in the bank.
2萬(wàn)收入會(huì)怎么樣呢？你存8千贞奋，儲(chǔ)存起來(lái)赌厅。
At 20 grand what happens? You're saving 8000,storage。
你繳付8千（給IRS）轿塔，現(xiàn)在你只能用4000過(guò)活特愿。
You're paying 8000 and now you can live on 4000.
這才是做好預(yù)算的正確方法。
See now this is the right way to do a budget.
如果你賺3萬(wàn)勾缭，1萬(wàn)2千儲(chǔ)存起來(lái)洽议，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.
現(xiàn)在你開(kāi)始察覺(jué)，你一年需要賺大約30萬(wàn)漫拭，這是哈佛大學(xué)沒(méi)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混稽，你得要保持簡(jiǎn)樸的生活然后投資你存儲(chǔ)起來(lái)的錢采驻。
Number three thing you're gonna do,you're gonna go broke right here and invest
the storage.
儲(chǔ)存金要拿去投資。金鵝之所以珍貴是因?yàn)樗陆鸬啊?br> Storage has to get invested.The Golden Goose is only good if she lays eggs,
否則倒不如宰了她匈勋。把它當(dāng)成雞吃掉算了礼旅。
otherwise you can kill her,eat her for a chicken.
金錢需要能夠生寶寶（復(fù)制）。所以你的目標(biāo)是投資洽洁，投資你的儲(chǔ)存金痘系，
持續(xù)這樣做，直到你這里的錢被動(dòng)收入相等于你的主動(dòng)收入饿自。
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.
當(dāng)你在這個(gè)步驟時(shí)汰翠，不要投資任何不確定性。
When you make this move right here,do not invest in anything that is a maybe.
巴菲特說(shuō)：第一昭雌，不要賠錢复唤。第二，不要賠錢烛卧。
Warren Buffett says don't lose money number one.Number two don't lose money.
這個(gè)部分一開(kāi)始是最難的佛纫，因?yàn)槟阍诎ゐI直到你正視真正的問(wèn)題。
This is the most difficult part of this in the beginning because you're
starving here until you confront the real problem.
收入不足才是問(wèn)題根源总放。不要去擁有任何東西呈宇，老兄，把鈔票堆起來(lái)
The real problem is income.Don't own anything dude,just stack cash
等到你找到地方投資不會(huì)讓你賠錢局雄。
and wait till you can put it in something where it won't be lost.
只是暫時(shí)不能動(dòng)用甥啄，長(zhǎng)時(shí)間通貨膨脹，5年哎榴，7年型豁，10年僵蛛。
It just goes away for a while and inflation over time,five years,seven years,
ten years.
有天你看了看賬簿，金蛋還在迎变，沒(méi)賠錢充尉，好好保管起來(lái)。
One day you look up and you're like I didn't lose my golden egg that
thing is protected.
我每個(gè)月從那邊取一滴水衣形，你一直加上去,
I got a little drip every month from it and you keep adding to that,
滴出來(lái)的水滴也變得越來(lái)越大驼侠，越來(lái)越大，你懂嗎谆吴？
so the drip gets bigger and bigger and bigger and bigger,you know.
什么時(shí)候可以停止工作倒源？
When you get off the treadmill?
隨你喜歡。
Whenever you want it.

一句狼，改變你的目標(biāo)
1.Chage your target
二笋熬，把總收入的40%存起來(lái)
2.Save 40% of income
三，保持簡(jiǎn)樸生活腻菇，把儲(chǔ)存金拿去投資
3.Live broke and invest savings
四胳螟，讓被動(dòng)收入相等于主動(dòng)收入
4.Passive income = inZcome