杰伊必听推荐：3个简单理财习惯，彻底改变你的储蓄、消费与财富增长方式

我家里没有从事投资的人，所以我不明白那是什么意思。

I didn't have investor people in my family so I didn't know what that meant.

于是我想，既然有钱人都投资房地产，也许我也该投资房地产。

So I was like well if wealthy people invest in real estate maybe I should invest in real estate.

所以我把这个想法告诉了我爸爸。

So I brought up the idea to my dad.

我说：'爸，我想投资房地产。'

I was like dad I want to invest in real estate.

他直接说：'闭嘴。'

He's like Shut up.

'你太蠢了。'

You're stupid.

'去学习当医生。'

Go study and become a doctor.

'等你当上医生后再操心这些乱七八糟的事。'

You can worry about all this other stuff after you become a doctor.

我说，好吧。

I was like, Okay.

现在我只想说，我真的很爱我爸。

Now I just want to say, I love my dad to death.

我的父母，他们只知道这些。

My parents, this was just all they knew.

他们没有受过那种金融教育。

They didn't have that financial education.

但在内心深处，我一直在想，好吧，我能做些什么？

But in the back of my mind, I'm always like, Okay, what can I do?

也许我不必告诉父母。

Maybe I don't have to tell my parents.

我可以做点别的。

I'll just do something else.

我从经营的派对生意中攒了一点钱存在银行里。

I had a little bit of cash saved up in the bank from the party business that I was running.

于是我开始物色可供出租的房产，发现一套标价8400美元的小公寓，这就是当时的售价。

So I started looking at rental properties to buy and I found this small condo on sale for $8,400 That was the price of the condo.

同一套公寓几年前曾以15万美元成交，但二月份密歇根州房地产市场遭受重创，福特、通用和克莱斯勒都受到严重冲击。

That same condo a few years prior had sold for $150,000 the February really decimated the real estate market in Michigan because Ford, GM, Chrysler were just hit so hard.

我当时就想：好吧，这个价格还算合理。

And so I was like, Okay, well this is not a bad price.

这个价位我能负担得起。

I can afford this.

我出价4000美元，当时这套房正处于法拍阶段。

I made an offer for $4,000 and it was in foreclosure.

银行还价7000美元，我提议折中6000美元，我们来回拉锯时对方突然说：现在桌上还有另一个报价。

The bank countered with 7,000 and then I said, how about we settle at $6,000 and we were trying to go back and forth and then they said, well we have another offer on the table.

我不想错过这笔交易，毕竟已经看过好几套房子了。

I didn't want to lose this deal because I already looked at a few.

于是我当即决定：那就出价8000美元吧——就这样演变成了竞价战。

So I was like, okay, well I'll make an offer for $8,000 So it was a bidding war.

对方出价不到8美元。

The other person offered less than $8.

所以我拿到了这套公寓。

So I got the condo.

我以8000美元买下了这套公寓，但还需要做些小修整。

So I bought the condo for $8,000 but a little bit of work into it.

房子状况相当不错，我以每月600美元的价格租了出去。

It was in pretty good shape and I got it rented out for $600 a month.

当时我才19岁，完全不知道自己在做什么，但当我稍微理清头绪后，我突然意识到：等等，这套公寓每个月都在给我赚钱，而我根本不用去办派对。

Now I'm 19 years old and I had no idea what I was doing but all of a sudden once I got it a little bit figured out I was like, Wait, this condo is paying me every single month and I don't have to go and host a party.

我甚至不用去上班。

I don't have to go to work.

在那之前我还在Auntie Anne's Pretzels打过工。

I was working at Auntie Anne's Pretzels a little bit before that.

再也不用翻烤椒盐卷饼了。

I don't got to flip pretzels.

我不需要举办这个派对。

I don't got to host this party.

我不需要在婚礼上工作，它却在给我赚钱。

I don't got to work at a wedding and it's paying me.

这有点说不通。

Something doesn't make sense.

为什么从来没人告诉过我这些？

Like how come I was never told about this?

比如我在学校表现很好。

Like I was doing good in school.

比如我以为自己很聪明。

Like I'm I would thought I was like smart.

我以为我知道自己在做什么。

I thought I knew what I was doing.

结果发现有一整套我们从未学过的金融知识体系。

Turns out that there's a whole world of financial education that we're never taught.

所以现在传统体系就是上学、努力学习、取得好成绩、找份好工作、攀登企业晋升阶梯。

So now the traditional system is go to school, study hard, get good grades, get a good job, climb the corporate ladder.

现在我逐渐意识到，等等，这里存在一个我们从未被教授过的不同体系，其目标不仅仅是找份工作和攀登企业晋升阶梯。

And now I'm starting to realize, wait, there is a different system here that none of us are ever taught where the goal isn't to just get a job and climb the corporate ladder.

富人们的做法是努力掌控企业晋升阶梯。

What wealthy people are doing is they are working to own the corporate ladder.

我当时就想，我甚至不知道还能这样操作，因为现在如果你能拥有投资、拥有资产，你就拥有了能持续为你创造收益的东西，而无需亲力亲为。

And I was like, I didn't even know that you could do that because now if you can own investments, if you can own assets, you own things that are going to be paying you without you having to physically work.

而这正是富人们为之奋斗的目标。

And this is what wealthy people are working for.

然而我们却从未被教导过这些。

Yet none of us are ever taught this.

我们在学校从未学过如何理财。

None of us are ever taught in school how do you manage money.

我们从未学过如何投资。

None of us are ever taught how do you invest your money.

我们从未被教导过如何积累财富。

None of us are ever taught how do you build wealth.

我们从未被教导过如何创造被动收入。

None of us ever taught how do you generate passive income.

然而富人却在向他们的孩子传授这些知识，他们能够理解是因为接受了这种教育，但对大多数人来说，除非你主动寻求，否则我们不会学到这些。

Yet wealthy people are teaching their kids this and they're able to figure it out because they have that education but for the majority of us, we're not taught this unless you're willing to go out of way.

现在YouTube让这些知识变得更容易获取了，感谢上帝。

Now YouTube has made it a lot more accessible, thank God.

但在YouTube出现之前，你必须主动去阅读书籍和参加课程，这很困难。

But before YouTube you had to go out of your way to read books and take classes and it's tough.

阅读一本300页的书比观看十分钟的YouTube视频要困难得多。

It's much harder to read a 300 page book than it is to watch a ten minute YouTube video.

是的，确实如此。

Yeah, definitely.

所以这对我来说是一个重要的转折点，因为那时我开始意识到还有不同的道路可以选择。

So that was a big turning factor for me because that's when I started to realize that there's something different that you can do.

所以我们讨论的第二个习惯就是要打破传统体系，多问为什么。

So the second habit that we talk about breaking away from that traditional system, asking the question why.

第三点则是要理解金钱的本质。

And then the third thing is understanding what money is.

这是个非常难理解的概念。

This is a very tough concept to understand.

我想最好的例子可以回溯到印度传统文化，因为在印度，当人们有多余现金时，他们总想把卢比兑换成黄金。

I guess the best example that I can give of this is kind of going back to the traditional Indian culture because in India it's a very common thing that when somebody has extra cash, extra rupees, they want to convert these rupees to gold.

这就是为什么印度婚礼上会有大量黄金交易——他们想以这种方式赠予钱财。

It's why in India, lot of gold is transacted during weddings because they want to give money.

他们选择黄金作为媒介，是因为人们本能地明白卢比会贬值。

And the way that they do that is through gold because inherently people understand that the rupee loses value.

但我觉得人们并不真正理解其中的缘由或深层机制。

And I don't think that people understand the why or the ins and outs.

这已经成了习以为常的事。

It's just normal.

这就是文化。

That's just the culture.

所以人们拿现金去买黄金。

So people take the cash and they buy gold.

而我们现在需要理解这一点的原因是，当我们思考金钱时，它有两个不同的方面。

And the reason why now we need to understand this here in our culture is because when we think of money, there's two different aspects to it.

一种是货币，即我们用来买卖交换物品的媒介；另一种则是价值储存手段。

There's a currency, which means something that we use to buy and sell things in exchange, and then there is the store of value.

我们许多人想当然地认为钱应该是保值的手段，应该保持其价值。

And many of us assume that our money is supposed to be a store of value, it's supposed to keep its worth.

但由于2020年疫情、2021年通胀和2022年通胀，我们现在发现，天啊，我的存款买不到那么多东西了。

But now because of the twenty twenty pandemic and the 2021 inflation and the 2022 inflation, we're seeing that, Oh my God, my savings don't buy me as much.

我的收入不再那么经花了。

My earnings are not stretching as far.

所以我们开始真正意识到，也许我的美元不再具有同样的价值了。

And so we're starting to really realize here that maybe my dollars don't hold the same value.

因此现在需要理解什么是金钱？

And so now it's understanding what is money?

它有两个方面。

Well, there's two aspects.

一方面是用于买卖的流通货币，另一方面是价值储存。

You have the currency aspect to buy and sell things and then there's the store of value.

富人们明白的是，在当今时代，金钱并不能很好地充当价值储存手段。

What wealthy people understand is that money doesn't act as a very good store of value in today's day and age.

所以你想把钱转换成能保值的东西，或者能实际为你产生收益的东西。

So you want to take your money and convert it to something that is a store of value or maybe something that's actually produce you income.

这对每个人来说都是非常重要的理解，有趣的是，我第一个爆红的视频是在2016年，在那个关于少数派思维频道的视频中，我认为它之所以走红，是因为我谈到了这个观点：当你把所有现金存在银行时，你实际上每天都在变得更穷，因为当时的通胀率在2-3%之间，而银行只给你0.5%的利息。

This is something that is so important for everyone to understand and what's interesting is my first video to go viral was back in 2016 and in that video on my Minority Mindset Channel, the reason why I think it went viral was because I talked about this whole idea of when you save all your cash in the bank, you're becoming poorer each and every day because back then inflation was between 23% while your bank was paying you half a percent.

我当时说，看吧，你的现金价值每天都在损失2-3%。

So I said was, look, you're losing two to 3% of your cash is value every single day.

所以你需要用这些钱做点什么，因为你的钱在十年内会贬值。

So you need to do something with this money because your money is losing value in ten years.

它的价值将会比今天更低。

It's going to be worth less than it is today.

我确实没预料到2020年这场疫情会发生。

Well I didn't expect this twenty twenty pandemic to happen.

我没预料到所有这些疯狂的事情会发生，但现在我们面临的是远高于2%到3%的通货膨胀率，人们这才真正开始意识到：哇！

I didn't expect all this craziness to happen but now here we are with inflation significantly higher than 2% to 3% and now people are really starting to understand that Woah!

我的钱到底算什么？

What is my money?

你必须理解这一点，因为这就是富人不愿把所有额外现金存起来的根本原因。

And you have to be able to understand this because this is the driving reason for why wealthy people don't want to save all their extra cash.

你需要让你的现金为你工作。

You want to put your cash to work.

这就引出了第二个方面。

Which brings us now to the second side.

富人们都做些什么呢？

What do wealthy people do?

首先你要明白金钱在你生活中扮演的角色，就像我们讨论过的那样。

The first thing you have to understand how money plays a part in your life like we discussed.

金钱如何影响你的生活，这样你就不会盲目追逐金钱？

How does money impact your life that way you don't go out and just start chasing money?

因为我意识到的一件事是，当我停止追逐金钱时，反而赚得更多——因为追逐金钱就是在追逐虚幻的东西。

Because one of the things that I realized was I started making way more money when I stopped chasing money because when you're chasing money, you're chasing something that's illusory.

那都是虚假的。

It's just fake.

不仅感觉不好，而且你无法全身心投入其中。

Doesn't even feel good and you're not going to be able to put your full self into it.

但从财务角度来说，第二件事是你如何处置这些钱？

But then the second thing on the more financial side is what do you do with that money?

而我意识到的一点是，富人真正想要的是叫做'股权'的东西。

And one of the things that I realized is what wealthy people want is this thing called equity.

这在美国有很多优势，因为在很多国家你无法这样做。

And this is where you have a lot of benefits in America because you can't do this in a lot of countries.

如果你想想传统的美国梦——虽然现在正在改变——但传统美国梦就是你可以努力工作，买房买车。

If you think about the traditional American dream, which is changing now, but the traditional American dream was you can work hard, buy a home, have a car.

但买房这个概念之所以成为美国梦，是因为如果你能买房，就可以用多年工作还清贷款，从而拥有房屋净值，形成可以传承的代际财富。

But the whole idea of buying a home, the reason why this was the American dream was because if you can buy a home, you can work over the years to pay it off and now you have equity in your home and now you have this sort of generational wealth that you can pass down.

你拥有了一项资产。

You have an asset.

然而，由于高昂的住房成本与停滞不前的工资水平，传统美国梦如今已变成了一场美国噩梦。

Well, the traditional American Dream is now an American nightmare with the high cost of home ownership, with wages not keeping up with the cost of living.

但这并不意味着美国梦已死。

However, that doesn't mean that the American dream is dead.

它只是改变了形态。

It's just changed.

那么新美国梦的内涵是什么？

So what is this new idea of the American dream?

如果回归到股权的本质核心，这才是真正的财富梦想——当你拥有股权时，就能为自己和家人构建世代传承的财富基础。

Well if you go back to the root core of equity, this is the real dream of wealth and something that you can build for yourself and for your family and for generations is if you have equity.

我该怎么解释这个呢？

Now how do I explain this?

如果你想想任何公司，尤其是大公司，就很容易理解了。

Well if you think about any company, especially in a bigger company, it's easy to understand.

这里涉及到两种人。

There's two people, two types of people that are involved.

一种是工人，一种是所有者。

You have the workers and you have the owners.

工人是为了工资而工作。

The workers are working for a salary.

你每天都要去上班。

You go to work every single day.

你会拿到工资单。

You get a paycheck.

你领取的是薪水。

You're getting a salary.

公司的所有者不是领取工资，而是获取利润。

The owners of the company are not getting paid a salary, they're getting paid in profits.

他们希望公司获得更大利润，这样他们就能赚更多钱。

They want the company to make bigger profits so that they can make more money.

现在工人和所有者之间存在一些重叠。

Now there is some overlap between the workers and the owners.

如果你是创始人，很可能也是所有者之一。

If you are a founder, you're probably an owner as well.

CEO可能拥有部分股权，一些新兴公司也会给员工分配股权。

The CEO might have some ownership and some newer companies you'll give equity to the workers as well.

但当你持有股权时，你就在获取公司的利润。

But when you have equity, you're getting the profits of a company.

在美国这个体系中，想要成功就必须成为企业所有者。

Everybody in America in this system needs to be a business owner if you want to become successful.

不过我要补充说明的是：大多数人不应尝试创业，也不应尝试经营企业。

Now the one thing that I want to caveat that with is the majority of people should not try to start a business and the majority of people should not try to operate a business.

你可能会说，贾斯普里特，你刚才还说每个人都应该成为企业主。

Now you might say Jaspreet, you just said everybody should be a business owner.

这怎么说得通呢？

How does that make any sense?

其实，你可以拥有企业而不必为其工作。

Well, you can own a business without working for the business.

现在问题在于：你如何处理你的薪水？

And now this is the question of what are you doing with your salary?

没有人受到伤害，没有死亡，没有创伤，只是在培养皿中生长的一些细胞。

No one is harmed, no death, no trauma, just a few cells grown in a dish.

这里是《内在宇宙》播客的大卫·伊格曼。

This is David Eagleman from the Inner Cosmos Podcast.

本周我们将探讨一个脑科学遇见未来的难题。

And this week, we're tackling a tough question where brain science meets the future.

实验室培育的肉类将迫使我们直面伦理与想象力的边界。

Lab grown meat is going to force us to confront the boundaries of our ethics and our imagination.

它促使我们质疑，为何我们恰好在这些地方划定界限，这些界限是用墨水还是铅笔绘制的。

It invites us to question why we draw lines exactly where we do and whether those lines are drawn in ink or in pencil.

这与神圣性、大脑可塑性、社会归属感、心理类别间混乱的界限、肉体版权以及人格的未来有何关联？

And what does this have to do with sanctity, brain plasticity, social belonging, messed up boundaries between mental categories, flesh copyrights, and the future of personhood?

我们将为自己铺设怎样的餐桌？

What is the table we're going to set for ourselves?

这个问题揭示了关于脑科学和我们道德计算的哪些方面？

What does this question uncover about brain science and our calculations of morality?

请在iHeartRadio应用、Apple播客或你获取播客的任何平台收听《内在宇宙》。

Listen to Inner Cosmos on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

大家好，我是凯莉，有些人可能知道我是劳拉·温斯洛。

Hey, I'm Kelly, and some of you may know me as Laura Winslow.

我是塞尔玛，也被称为瑞秋阿姨。

And I'm Thelma, also known as aunt Rachel.

如果这些名字听起来耳熟，那你可能熟悉我们九十年代共同出演的电视剧《家庭事务》。

If those names ring a bell, then you probably are familiar with the show that we were both on back in the nineties called Family Matters.

凯莉和我这些年来做过很多事，扮演过很多角色，

Kelly and I have done a lot of things and played a lot of roles over

但我们俩都为能参与《家庭事务》感到无比自豪。

the years, but both of us are just so proud to have been part of Family Matters.

你知道吗？我们曾是黑人演员主演的最长寿情景喜剧之一。

Did you know that we were one of the longest running sitcoms with a black cast?

拍摄期间有太多充满欢乐、笑声和恶作剧的瞬间，我永远都不会忘记。

When we were making the show, there were so many moments filled with joy and laughter and cut up that I will never forget.

哦姐妹，这话可说到我心坎里了。

Oh, girl, you got that right.

你们给我的那个眼神太有黑人特色了。

The look that you all give me is so black.

所有黑人都懂那个眼神的含义。

All black people know about the look.

在《欢迎回家》每期节目中，我们都会分享关于这部剧的个人回忆。

On each episode of welcome to the family, we'll share personal reflections about making the show.

是啊。

Yeah.

我们还会邀请部分演员和其他特别嘉宾加入，一起分享欢乐，爆料些趣事。

We'll even bring in part of the cast and some other special guests to join in the fun and spill some tea.

欢迎收听由塞尔玛和凯莉主持的《欢迎回家》节目，可在iHeartRadio应用、Apple Podcasts或任何你获取播客的地方收听。

Listen to welcome to the family with Thelma and Kelly on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

本周《亲爱的切尔西》节目中，我和切尔西·汉德勒将迎来尼古拉斯·斯帕克斯的做客。

This week on dear Chelsea with me, Chelsea Handler, Nicholas Sparks is here.

我想你应该收到过不少反馈，说你树立了一个很多男性可能难以企及的爱情与浪漫标准。

I would imagine that you've gotten a lot of feedback about setting a standard of love and romance that a lot of men probably can't measure up to.

我在签售会上确实听过这样的故事。

I have heard such stories at my book signings.

对吧？

Right?

我的诺亚在哪里？

Where's my Noah?

我亲爱的约翰在哪里？

Where's my John from dear John?

与此同时，在我的职业生涯中，我在签书队伍里收到过七次求婚，你知道吗？

And at the same time, in the course of my career, I've had seven marriage proposals in lines to sign my book, you know?

真的吗？

Oh really?

我

I got

走到桌前，那家伙突然跪下了，我为他感到难过极了。

up to the table, the doodle dropped to his knees and I feel so bad for him.

我心想，伙计，你现在可是在沃尔玛里，在阿拉巴马州的伯明翰，你知道吗？

I'm like, dude, you're, you're in a Walmart in Birmingham, Alabama, you know?

但这种事确实发生过。

But it's happened.

比起那些说'我毁了其他男人'的抱怨，你更常听到这类求婚故事，这让我很欣慰。

You get a lot more of those kinds of stories than people coming up and saying, I've ruined men for the rest, which I'm glad.

如果这种情况更常见的话，我其实会感到难过。

I would feel bad if that was more common, actually.

不。

No.

这就是你来《亲爱的切尔西》节目的目的。

That's what you come to Dear Chelsea for.

对。

Yeah.

没错。

Yeah.

来获得提升。

To get upgraded.

在iHeartRadio应用、Apple播客或任何你获取播客的地方收听《亲爱的切尔西》。

Listen to Dear Chelsea on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

本播客由瓦尔登大学赞助播出。

Support for this podcast is brought to you by Walden University.

你是否曾想过，如果我能追求自己真正想要的并真正有所作为会怎样？

Ever catch yourself thinking, what if I could go after what I actually want and really make a difference?

你并不孤单，这正是我想向你介绍瓦尔登大学的原因。

You're not alone, and that's exactly why I want to tell you about Walden University.

五十多年来，瓦尔登大学帮助像你这样的在职人士获得知识与技能，赢得成功，构建理想未来，在最重要的领域产生影响。

For over fifty years, Walden has helped working adults like you get the W, with the knowledge and skills to build the future you want and make a difference where it matters most.

如果你一直在等待合适的时机，现在就是。

If you've been waiting for the right moment, this is it.

访问waldenu.edu，迈出第一步。

Head to waldenu.edu and take that first step.

瓦尔登大学，引领变革之路。

Walden University, set a course for change.

由Chev认证运营。

Certified to operate by Chev.

科迪·桑切斯揭露了一个危险的假象。

Cody Sanchez exposes a dangerous illusion.

人们表面光鲜，实则三分之二的美国人靠工资度日。

People looking wealthy while secretly two thirds of Americans live paycheck to paycheck.

社交媒体展示着奢华，现实却是挣扎求生。

Our feeds show luxury, but the reality is struggle.

大多数人并非因心怀恶意而失败或落后。

Most people don't fail or fall behind because their intentions are bad.

他们失败是因为逃避风险。

They fail because they avoid risk.

正如科迪所言，我们的文化逃避拒绝与失败，但这样做也错失了积累持久财富的机会。

As Cody explains, our culture dodges rejection and failure, but in doing so, we also dodge the chance to build lasting wealth.

科迪的建议务实得令人耳目一新。

Cody's advice is refreshingly practical.

若你尚无资金，第一笔投资应是投给自己——提升技能、知识储备与抗压能力。

If you don't have money yet, your first investment should be in yourself, your skills, your knowledge, your resilience.

路线图已然清晰。

The roadmap is clear.

投资自己，先从多元化的指数基金开始简单入手，待时机成熟再涉足私募投资，最终创立或收购属于自己的企业。

Invest in you, start simple with diversified index funds, move into private investments when you're ready, and then build or buy a business of your own.

在整个过程中，切记不要追逐社交媒体上炫耀的财富。

Through it all, remember to not chase Instagram wealth.

真正的成功在于内心的平静、时间的自由，以及让你的金钱为你工作而非相反。

The real flex is peace of mind, freedom of time, and knowing your money is working for you instead of the other way around.

如果你想在商业中赚大钱，还需要一个所谓的'远见者'，对吧？

If you wanna make a lot of money in business, you also need somebody who they call them the visionary, right?

就是那个满脑子奇思妙想的人。

The person who has all the ideas, the crazy things.

然后你还需要执行者，通常被称为实施者。

And then you have your executor which is often called your implementer.

所以如果只有愿景而没有执行力，你终将失败且赚不到钱。

And so if you only have vision, but you have no execution, you will fail and make no money.

如果只有执行力而没有愿景，你一生都只能玩些小打小闹的游戏。

If you only have execution, but you have no vision, you will play small games for life.

其实有一本很棒的书，叫《如何赚个几十亿》，你读过吗？

And so there's a there's a great book actually called Have you read How to to Make a Few Billion Dollars?

没有。

No.

这是本好书。

It's a good book.

作者是布拉德·雅各布斯。

It's by this guy Brad Jacobs.

要是能请他来上播客，我肯定会听。

If you could get him on the podcast, I will listen.

我一直在尝试联系他。

I've been trying to.

不确定他是否符合你的风格，不过...其实他可能挺合适的。

I don't know if he's your style, he's well, actually, he might be.

他是那种身价数十亿的对冲基金经理兼私募股权投资人。

He was like he's a multi billionaire hedge fund manager and and private equity investor.

他最初是一名爵士乐手，那本应是他的天职。

And he started off as a jazz musician and that was going to be his calling.

所以他非常喜欢不和谐的音调，以及如何将事物整合起来，像爵士乐手那样演奏。

So he really likes dissonant noises and how do you pull things together and sort of make them play like a jazz musician.

总之，他收购了所有这些公司。

Anyway, he's bought all of these companies.

他取得了巨大的成功。

He's massively successful.

但他总是谈论什么才是好交易。

But he always talks about what makes a great deal.

如果你想赚大钱，就必须选对交易。

If you want to make a lot of money, you've got to pick the right deal.

交易大致可分为四种类型。

And there's sort of four types of deals.

你可以把它想象成一个象限图。

You could think about it like a quadrant.

你可能会有低风险但回报也低的交易。

You could have a low risk and you could also have a low reward deal.

这实际上是生活中大多数交易的情况。

That's actually most deals in life.

对吧？

Right?

就像安于现状，不冒险等等。

That's like stay in your same job, don't take risks, etcetera.

问题是你赚不到多少钱。

The problem is you're not gonna make much money.

然后还有高风险高回报的交易。

Then you have a high risk, high reward deal.

比如投资萨尔瓦多的发电厂。

Well, that could be like investing in an El Salvadoranian power plant.

好的。

Okay.

它极有可能失败，尽管利润超高，我们可能还是要避开这类投资。

It's just so likely to fail that even though it's super high profit, we probably want to stay away from those.

然后还有所谓的黄金项目，就是如何实现高回报低风险？

And then you have sort of the golden child, which is how can we have high reward, low risk?

嗯，这样的项目并不多见。

Well, not many of those exist.

对吧？

Right?

那简直就是独角兽般的存在。

That would be a unicorn.

所以我们真正寻找的是那些棘手的大问题

So what we're really looking for is where is there a big hairy problem

嗯。

Mhmm.

这些问题需要承担适量的风险，如果我们能找到这样的机会，就能获得利润。

That has the right amount of risk and if we can find that, then we have profit.

嗯。

Mhmm.

所以现在他们称之为‘交易中的毛发’，这是投资界的行话。

And so now, they call it hair on a deal, that's like you know, investing terms.

你要寻找那些‘毛发丛生’的交易，让你觉得‘哦，这种风险程度是可以掌控的’。

You wanna look for those hairy deals where you think, oh, that level of risk is manageable.

而在我们的文化中，不知为何，我觉得我们已经进入了‘风险规避’模式。

And in our culture, for some reason, I think we've gone into risk off.

天啊，我们甚至不愿承担在酒吧向人搭讪的风险，更别说创业了。

God, we don't even want the risk of asking somebody a question at a bar, you know, more or less starting a a business.

嗯。

Mhmm.

这是个问题。

And that's a problem.

我是说，小企业管理局的数据很有意思。

I mean, the the SBA has fascinating data.

你知道美国每年倒闭的小企业比新开的还要多吗？

Do you know there are more small businesses that close each year than open in The US?

不可能吧。

No way.

倒闭的比新开的还多。

More closed than open.

所以我们发现人们承担的风险比我们想象的要小得多。

And so we have people taking way less risk than we think.

这意味着你永远赚不到那么多钱。

And that means you'll never make as much money.

这难道不疯狂吗？

Isn't that crazy?

是啊。

Yeah.

咱们从投资的角度来聊聊这个。

Let's talk about that in terms of investing.

如果有人正因为你刚才提到的风险回报特性而思考投资问题，假设某人从未投资过任何东西，他们有一份工作，攒了一点钱，比如有1000美元开始考虑投资，或者再多一些。

If someone's thinking that because exactly what you're talking about right now, this risk reward profile, If someone has never invested in anything, they're working their job, they've got a little bit of money, maybe if they've got a thousand dollars to start thinking about investing, maybe they've got a bit more.

也许他们一直在存钱，但觉得想买的房子遥遥无期，不过总算攒了些积蓄。

Maybe they've been saving up and they're thinking that home that they want to buy is a long, long, long, long, long way away, but they got a little bit.

他们应该投资在哪里呢？

Where should they invest?

如果你只有少量现金，有史以来回报率最高的资产类别就是投资你自己。

If you have only a little bit of cash, the best returning asset class of all time is going to be you.

在真正开始投资前，先把钱用于自我提升和学习。

Put the money into you, learning first before you go to invest.

如今很多人会说：'去投资爱彼迎吧'。

A lot of days a lot of people these days will say, hey, it's Airbnb.

或者说：'去买小企业吧'。

Hey, it's buying small businesses.

还有人说：'投资房地产'。

Hey, it's real estate.

你所能拥有的最高回报资产类别就是你自己，因为你拥有无限的上行潜力，并且会随时间复利增长。

The highest performing asset class that you could ever have is you because you have unlimited upside and it compounds over time.

所以如果你现在现金不多，在投资标普指数之前，先押注于你自己。

And so if you don't have a lot of cash right now, bet on you first before you go bet on somebody in the S and P.

接下来，由于我是传统派，从先锋集团起步，

Now after that next amount, I believe because I'm old school, started at Vanguard.

我相信如果你理智的话，可能会同意我的观点。

I believe if you're reasonable, you probably agree with me.

比如，我们真能打败那些每天痴迷于此的世界顶级选股高手吗？

Like, do we think that we're gonna beat the best stock pickers in the world who obsess on this every single day?

我们能用技术战胜那些行业巨头吗？

Are we gonna beat the titans of industry with their technology?

不能。

No.

这就是为什么我总是选择低费用、低换手率的指数基金，它们交易不频繁。

So that's why I always go for low cost, low movement, so they don't trade a lot index funds.

我在Vanguard工作过，他们拥有最佳的成本结构。

I worked at Vanguard, they have the best cost structure.

所以我把资金分散投资在标普500指数里，构建一个多元化的投资组合，

So I throw things in the S and P 500 in a diversified portfolio at a

具体该怎么做呢？

How does someone do that?

对于一个完全的新手来说。

Someone who's totally new to this.

你可以访问

You go to

vanguard.com，他们的交易平台没有手续费。

vanguard.com, you have no fees on their trading platform.

在我看来，除非你纯粹是为了学习并且能承受全部亏损，否则在你不够了解时应该避免任何个股投资。你可以访问vanguard.com选择一个多元化的投资组合。

In my opinion, avoid anything where you're buying individual stocks when you don't know unless you're doing it purely for learning and you're okay with losing everything, and you go to vanguard.com and you select a diversified portfolio.

这很棒，因为他们会根据你的年龄和你愿意承担的风险程度来帮助你完成配置。

It's cool too because they'll actually help you do it based on your age and based on how much risk you wanna take.

比如我们这个年纪的人，他们会提供一个60/40的投资组合，即60%股票和40%债券。

So they'll have a sixty forty portfolio, which is like 60% stocks and 40% bonds if you're our age for instance.

如果投资者更年轻些，他们会采用80/20的比例，因为年轻时应该承担更多股票风险。

If somebody is a little younger, they'll go eighty twenty because you should take more risk with stocks when you're young.

你只需点击一次就能获得一个分散投资组合，之后还可以继续增持。

So you can literally in one click get a diversified portfolio and then you can add to it.

你也可以使用类似Wealthfront这样的平台来实现。

You could also use like a wealth front for that.

对于不了解的人来说，什么是分散投资组合？

What's a diversified portfolio for someone who doesn't know?

这意味着你永远不该把所有鸡蛋放在一个篮子里，这适用于生活各方面，尤其是投资。

That means that you you would never wanna have all your eggs in one basket in anything in life, but certainly in investing.

也就是说，他们会为你配置股票和债券，包括新兴市场和美国市场的组合。

And so that means that they're gonna give you stocks and bonds, it means they're gonna give you emerging markets versus The US.

比如印度、中国、俄罗斯、巴西和美国股市都会涵盖其中。

So let's say India, China, Russia, Brazil, and The US stock market.

这意味着随着时间的推移，在金融领域你会看到那些图表，看起来像网格一样，上面有各种不同的颜色。

And it means that typically over time, you know, that there's these charts you can see in finance where it kinda looks like looks like a grid and on and on all of these different colors.

所有这些毫无规律可言的色彩代表什么呢？

And what do all the colors represent that have no pattern to it?

每一年看起来都截然不同。

Every single year looks different.

它们代表你可以投资的每一种资产类别，从债券到股票，从智利股票到短期货币市场，而随着时间的推移，你会发现在每个市场中，所有东西都在变动。

They represent every asset class you could invest in from bonds to stocks to Chilean stocks to short term money markets and what you see over time is in every single market, everything moves.

因此你想要的是一份长期平均回报率在10%左右的投资组合。

And so what you wanna have is a portfolio that over time averages somewhere around 10%.

这是通货膨胀的平均成本。

That's the average cost of inflation.

如果你不每年进行投资，你的钱实际上每年都在贬值。

How your money really, if you don't invest it every single year that you don't invest, you lose money.

假设你拿着一张100美元钞票放在我面前，我从美联储成立之初就开始观察这张钞票（美联储是负责管理美国货币的政府机构）。

Say you took a $100 bill right here and I had it right in front of me and I looked at that bill since the beginning of the Federal Reserve, which is the government institute that mandates or manages all of our currency in The US.

所以如果我一路追溯到七十年代再来看今天，我会看到什么？

So if I go all the way back to the seventies and I look at it today, what do I see?

我会发现那张100美元钞票，如果我一直持有到现在，只值大约25美元了。

I see that that $100 bill, if I just held it from then to now, is worth about $25.

它已经不值100美元了。

It's not worth a 100 anymore.

为什么？

Why?

因为通货膨胀。

Because of inflation.

所以如果我们不投资而是把钱藏在床垫下，可悲的是政府每年都会悄悄侵蚀它的价值。

And so if we don't invest our money and we stick it under our mattress, then sadly the government eats away at it every single year.

两党都是如此，与政治立场无关。

Both sides, politically agnostic.

因此我们必须确保把钱投到某个地方。

And so we got to make sure that we put our money somewhere.

这就是为什么长期来看，股市通常是大多数人的选择。

That's why stock market over time is usually what most people do.

好的。

Okay.

很有道理。

Makes a lot of sense.

股票和债券有什么区别？

And what's the difference between a stock and a bond?

好的。

Okay.

股票和债券的基础知识。

So stocks and bonds, one zero one.

我认为股票代表你拥有公司未来增长潜力的权利。

I think about stocks like a ability for you to have future upside of a company.

某种程度上你是在对公司下注。

So you are betting in a way on a company.

你说今天亚马逊的价格是10美元。

You're saying today, the price of Amazon is $10.

我认为未来亚马逊的价格会涨到15美元。

I think in the future, the price of Amazon will be $15.

我想参与这场增长之旅。

I wanna go for that ride.

这叫做上行回报。

It's called upside return.

而债券呢，你实际上在做什么？

With a bond, what are you doing instead?

你在说，我其实想要的是收益。

You're saying, I actually want income.

它就像一张凭证。

It's like a certificate.

如果我给你100美元，我承诺在未来五年内会还你120美元。

If I give you a $100, I promise you over the next five years, I'm gonna give you a 120 back.

你投资的债券价格涨跌都不会让你赚更多。

You're not gonna make more if the bond that you invest in goes up or down in price.

你只是按他们说的那样收取票息。

You're just going to clip coupons is what they're called.

过去就是这样的。

Used to be like that.

所以你在收取票息，而我们同时需要两者的原因是——当股市崩盘时，你希望你的债券依然能稳稳收取那些票息宝贝，持续带来收益。

So you're clipping the coupon and the reason we want both of those is because again, you want when the stock market crashes, you want your bond to still be clipping those coupons baby, still coming in.

当股市狂飙时，你想抓住部分上涨机会，这就是我们在投资中采取的中庸之道。

When the stock market's raging, you wanna capture some of that upside and that's how we play right there in the middle of investing.

有第三阶段吗？

Is there a stage three?

第一阶段是你，第二阶段是标普500。

So we did stage one is you, stage two is S and P.

第三阶段是什么？

What's a stage three?

第三阶段是私募阶段。

Stage three is private.

如果你是真正的专业人士，想进入303投资阶段，那就是我们开始涉足私募股权的时候。

So if you're a real pro and you wanna go for three zero three of investing, that's where we start to do private equity.

这同样是投资那些公司，只不过它们不再公开交易，而是由私人投资者持有。

That that's just investing in those same companies, but instead of them being traded publicly, those companies are now held by private investors.

这些公司永远不会在证券交易所交易。

They'll never trade on a stock exchange.

这还包括另类投资等选择。

That also includes things like you can have alternative investments.

可能意味着直接投资房地产或投资大宗商品，比如木材。

That might mean investing in direct and real estate or investing in commodities, which would be like timber.

对吧？

Right?

你可以押注木材价格。

You could bet on timber prices.

那可能类似于股权和期权。

That might be like equity and options.

我认为这一代人有点疯狂，因为他们是第一代将股市投资游戏化，让它看起来有趣而非严肃的人。

I think this generation got a little crazy because they were the first generation to gamify stock market investing and make it seem fun as opposed to serious.

他们也是第一代能够轻松接触到期权、认股权证等工具的人，而这些实际上只适合专业人士。

And they were the first generation that got easy access to things like options and warrants and that's really actually only for pros.

所以我认为，任何试图教你如何日内交易、如何操作期权的人，这种策略就像有人试图告诉你：让我用几小时的时间教你如何切开别人的大脑。

So I think anybody who's trying to tell you how to day trade, anybody who's trying to tell you how to do options, that strategy, think about that like somebody trying to tell you, let me teach you over the course of a couple hours of me speaking to you how to cut open somebody's brain.

我们根本不会那么做。

We just wouldn't do that.

这是专业人士的领域。

This is for pros.

在我看来，如果你真想赚大钱，不是通过在金融投资的边缘瞎折腾，而是通过成为他们投资的公司——也就是第四阶段。

And if you really wanna make real money, you don't do it by messing around at the margins of financial investing in my mind, you do it by becoming the company that they invest in which is stage four.

这时候你就相当于直接买下整个企业。

So that's when you're like, I buy the business outright.

我为自己的企业筹集资金，这是游戏的下一阶段。

I raise money for my own business and that's the next level of the game.

这太棒了。

That's so great.

我喜欢这种循序渐进的方式，因为对许多人来说，这感觉就像一个杂乱无章、混乱无序的蛮荒之地。

I love that step by step because I feel for so many people, it just feels like this unorganized messy wild wild west.

现在有了阶段一、阶段二、阶段三、阶段四的划分，我非常喜欢这种清晰的结构。

And now it's like, wait a minute, stage one, stage two, stage three, stage four, I love those.

回到标普500的第二阶段，人们应该考虑将收入的多少比例投入其中？

Going back to stage two of the S and P, what percentage of someone's income should they be looking to put into the S and P?

关于这个有很多

There's lots of

规则，但我相信'先支付自己'的原则，我的意思是你要把投资视为必需品而非奢侈品。

rules around this but I believe in you pay yourself first and by you pay yourself first, what I mean is you think about your investments just like you would a need, not a want.

所以我主张每月自动投资的方式。

So every single month, I believe in automatic investing.

我整个职业生涯都是这么做的。

I've done it my entire career.

先锋集团教会了我这一点。

Vanguard taught me that.

在金融领域你会非常幸运。

You get really lucky in finance.

他们教你如何投资，使之成为一种习惯，而非可能性。

They teach you how to invest so that it becomes a habit, not a possibility.

除非你脏得不行，否则你不会起床不刷牙。

You don't wake up unless you're gross and not brush your teeth.

对吧？

Right?

你刷牙只是因为不想脏兮兮的。

You just brush your teeth because you're not gross.

所以对于投资，我也是这么想的。

And so for investing, I think about it the same way.

就像你自动设置支付，每次都会存入一小笔钱。

It's like you automatically set up your payments so a little bit goes every time.

我认为你应该将至少10%的收入用于投资。

I believe you wanna have at least 10% of the money that you make go into investing.

有很多不同的规则。

There's lots of different rules.

人们可以采取不同方式，我认为应该先为自己存钱，否则你永远都不会为自己存钱，至少要给自己10%，因为我们希望每年都能跑赢通胀。

People could play it either way, I think pay yourself first because otherwise you'll never pay yourself at all and give yourself at least 10% because we wanna beat inflation every single year.

如果你做到这两点，你就已经比大约90%不这么做的人强了。

And if you do those two things, you are better than about 90% of people that don't do that.

税后10%。

10% after tax.

这对人们来说是个绝佳目标，当你开始思考时就会意识到，我到底在哪些愚蠢消费上花钱？

That's just such a great goal for people and you start thinking about it and you go, oh, what am I spending dumb money on?

你知道，比如你看到人们把钱浪费在什么地方？

You know, like what do you see people wasting money on?

你知道

You know

最大的问题是什么？

what the biggest thing is?

人们把钱浪费在装富上，而不是真正致富。

People waste money on looking rich instead of being rich.

我认为这种现象正在侵蚀我们社会的财富基础。

And that is a cultural phenomenon that I think is eroding our wealth of society.

举个现成的例子，科切拉音乐节。

I mean, perfect example here, Coachella.

我们内部人都知道科切拉的肮脏秘密——你看到的所有网红要么是收了钱去的，要么拿了免费门票，要么机票全包，甚至还有专门仓库提供免费服装，因为这部分开销很大。

We know because we're on the inside that the dirty secret of Coachella and everybody that you see on there is that most influencers are one, paid to go, two, given free tickets, three, flown out for free, four, they actually have warehouses where you can pick out the clothes because that part is expensive and you get the clothes for free.

如果你是顶级网红，品牌方不仅会免费提供服装，还会付钱让你穿。

Or if you're a real pro, they'll pay you to wear the clothes and give you the clothes for free.

所以对少数人来说，整个体验都是这样——毕竟人类天性就是渴望别人拥有的东西。

And so this entire experience for the few who become because we're all we just desire what other people have, that's how humans are.

他们分文未花就享受了价值成千上万美元的东西。

They're not paying anything for a thing that cost thousands and thousands and thousands and thousands of dollars.

问题是，大约64%的科切拉音乐节主门票持有者其实负担不起门票费用，他们不得不选择'先买后付'的支付方式。

Well, problem is that the average Coachella main ticket holder, about 64% of them couldn't afford their ticket, so they had to do buy now pay later options.

真的吗？

Really?

今年他们推出了门票分期付款服务，而这还仅仅是门票部分。

This year, They offered buy now pay later and that is just for the ticket.

这还不包括服装、食物和饮料的开销。

That's not for the clothes and that's not for the food and that's not for the drinks.

于是我们本质上是在用永久性的信用卡债务，换取转瞬即逝的Instagram帖子。

And so we are basically having credit card debt which lasts forever as a trade for Instagram posts which lasts for a minute.

要改变财务未来，首要之事就是不要盲目跟风网上看到的内容——这也是我如此尊重你的事业，并努力在网上践行同样理念的原因。

And so the number one thing that you can do to change your financial future is to not buy into what you see on the Internet everybody else doing, which is why I really respect what you do and I try to do it online too.

确实。

Sure.

我们现在拥有美好的事物。

We have nice things now.

有时你会在某些地方发现，因为我不会明说，但你不会看到我炫耀名表。

Sometimes you'll catch it in places because I won't really tell, but you don't see me flashing nice watches.

你不会看到我开豪车。

You don't see me having nice cars.

你不会看到我发私人飞机的动态。

You don't see me posting about private planes.

为什么？

Why?

这些并非真正必要，你只是在传递一种‘这就是成功’的信号。

That's not really necessary and all you are signaling is that that is what success is.

那并不是成功的定义。

That is not what success is.

那些不过是装饰品——只有当你真正富有时，如果感兴趣的话可能会觉得有趣。

Those are just accoutrements that could be fun if you're into it once you're rich.

是啊。

Yeah.

但我向你保证，我见过太多拥有私人飞机的母亲并不快乐

But I promise you, I've met so many unhappy mother who have private

是的，我非常感谢你这么说，因为对我来说也是一样的，我一开始一无所有，但我不希望别人因为我的物质条件而追随我，我希望他们是因为我的言行和生活方式而追随我，这让我觉得任何人都能做到。

Yeah, no and I really appreciate that you saying that because I think for me it was the same thing, didn't, I never wanted, I mean, when I started I didn't have anything to show but I didn't want someone to follow me for what I had, I wanted them to follow me for what I was saying and doing and living and that to me always felt like that means anyone could do it.

而且一旦变成那样，对我来说也从来不是为了得到那些东西。

And as soon as it became, and also it was never about getting the thing even for me.

所以如果你把目标设定为得到那些东西，那么你为了得到它们而做的事情，你其实并不热爱。

So if you make it about getting the thing then the thing you do to get it, you don't love.

而我的情况是，我热爱这个游戏，热爱我正在做的事情，和你一样。这又回到了我们最初的话题：如果你热爱这个游戏，尊重规则，热爱你所做的，那么这些东西都是副产品，它们很棒，但从来不是目标，不是终点，不是你真正想要的东西，不是驱使你前进的动力。

Whereas my thing is I love the game, I love what I'm doing and same as you and it goes back to where we started where it's like, if you love the game, if you respect the rules, if you love what you do, then all of these things are a byproduct, they're wonderful, but they're never the goal, they're never the destination, they're never the thing that you wanted, that's not what drove you there.

太对了。

It's so true.

而且这些东西随时都可能被夺走，你知道的。

And they'll all be taken from you at very points, you know.

所以我觉得这有点像对待美貌的态度，要知道，我正在变老，而我努力在网上从不以我的外表为焦点，不管我是苗条还是发福，穿得性感与否。

And so I think about it a little bit like beauty, know, I'm getting older and I've tried to on the internet never make it about how I look one way or the other, if I'm fit or not, if I'm in sexy outfits or not.

为什么？

Why?

因为我终将老去。

Because I'm gonna get old.

我知道未来会是什么样子——满脸皱纹、胸部下垂等等。

I know what the future looks like and it's old and wrinkly and saggy tits and all the things.

对吧？

Right?

但这很酷。

And that's cool.

这些都无关紧要。

It doesn't matter.

所以如果我现在就能做好准备，让人们因为我的观点有价值而倾听，那么只要我头脑清醒，到80岁时我依然会有值得分享的见解。

And so if I can like prepare now that maybe people listen because I might have something valuable to say, then I'll still have something valuable to say when I'm 80 as long as I'm still with it.

我认为物质也是如此。

And I think it's the same with stuff.

要知道，别人可以夺走你的物质，但他们永远无法夺走——

Know, somebody could take that from you but they cannot take ever.

除了上帝，没人能夺走你在经营企业中学到的所有经验教训。

Nobody but God can take all the lessons that you've learned while running this business.

除了上帝，没人能夺走你通过这个企业建立的人际关系。

Nobody but God could take the relationships that you've built from this business.

但包括市场在内的许多因素都可能夺走我们周围的一切，所以我时刻提醒自己不要过分依赖这些外在事物。

But many things including the market could take everything that sits around us And so I try to remember that so that I never anchor to it.

在《健康那些事儿》播客中，我们将解答所有让你夜不能寐的健康问题。

On the podcast Health Stuff, we are tackling all the health questions that keep you up at night.

是的，我是医生——

Yes, I'm Doctor.

普里扬卡·沃利，拥有双委员会认证的医师。

Priyanka Wally, a double board certified physician.

我是Hari Kundabolu，一名喜剧演员，曾在凌晨3点搜索过'我是不是得了坏血病？'

And I'm Hari Kundabolu, a comedian and someone who once Googled, Do I have scurvy at 3AM?

在《健康那些事》节目中，我们用不同的方式探讨健康话题。

On Health Stuff, we're talking about health in a different way.

这不仅关乎我们可以做些什么来改善健康。

It's not only about what we can do to improve our health.

还关乎我们的健康状况反映了怎样的生活方式。

But also what our health says about us and the way we're living.

比如我们探讨糖尿病的那期节目。

Like our episode where we look at diabetes.

在美国，有50%的人群处于糖尿病前期。

In The United States, I mean, fifty percent of Americans are pre diabetic.

二型糖尿病在多大程度上是可预防的？

How preventable is type two?

非常可预防。

Extremely.

或者我们对芒果有多么不可思议的深入分析

Or our in-depth analysis of how incredible mangoes

确实如此。

are.

哦，很难向世界其他地方解释，你们觉得自己的芒果还不错，但实际上你们根本不知道真正的芒果有多棒。

Oh, it's hard to explain to rest of the world that you like, your mangoes are fine because mangoes are incredible, but, like, you don't even know.

你们根本不知道。

You don't know.

你们根本不知道。

You don't know.

这将是一段有趣的旅程，敬请收听。

It's going to be a fun ride, so tune in.

请在iHeartRadio应用、Apple Podcasts或任何你获取播客的地方收听《健康那些事》。

Listen to health stuff on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

嘿。

Hey.

我是诺拉·琼斯，我太喜欢与人一起玩音乐了，所以我的播客《一起玩》又回来了。

I'm Nora Jones, and I love playing music with people so much that my podcast called Playing Along is back.

我会与来自各种音乐风格的乐手们围坐在一起，在亲密的氛围中共同演奏歌曲。

I sit down with musicians from all musical styles to play songs together in an intimate setting.

每一期节目都略有不同，但都包含音乐和与我喜爱的音乐家们的对话。

Every episode's a little bit different, but it all involves music and conversation with some of my favorite musicians.

在过去的两季中，我邀请过像戴夫·格罗尔、莱维、鲁弗斯·温莱特、雷米·沃尔夫、马克·雷比尔、梅维斯·斯泰普斯等特别嘉宾，实在多到数不过来。

Over the past two seasons, I've had special guests like Dave Grohl, Leve, Rufus Wainwright, Remy Wolf, Marc Rebier, Mavis Staples, really too many to name.

而新一季还有更多精彩内容，包括迷幻二人组黑豹乐队、我的老友兼长期创作伙伴杰西·哈里斯，以及传奇歌手露辛达·威廉姆斯。

And there's still so much more to come in this new season, including the powerful psychedelic duo, Black Pumas, my old pal and longtime songwriting friend, Jesse Harris, and the legendary Lucinda Williams.

请在iHeartRadio应用、苹果播客或任何你获取播客的平台收听《诺拉·琼斯：一起玩》节目。

Listen to Nora Jones is playing along on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

嗨。

Hi.

我是丹尼·夏皮罗，热门播客《家庭秘密》的主持人。

I'm Danny Shapiro, host of the hit podcast, Family Secrets.

我们在车里时，《像一块滚石》这首歌响起，他说歌词里有关于你母亲的一句。

We were in the car, like a rolling stone came on, and he said, there's a line in there about your mother.

我说，什么？

And I said, what?

如果我觉得不被接纳，我会选择一种别人无法拥有的身份。

What I would do if I didn't feel like I was being accepted is choose an identity that other people can't have.

我知道半夜发生了什么事，但我记不清具体发生了什么。

I knew something had happened to me in the middle of the night, but I couldn't hold on to what had happened.

这些只是我在即将到来的第十三季《家庭秘密》中要讲述的众多动人故事中的几个。

These are just a few of the moving and important stories I'll be holding space for on my upcoming thirteenth season of Family Secrets.

无论你是从第一季就跟随我踏上这段旅程，还是刚刚加入《家庭秘密》大家庭，我们都非常高兴有你相伴。

Whether you've been on this journey with me from season one, or are just joining the Family Secrets family, we're so happy to have you with us.

我将深入探讨秘密的惊人力量——那些塑造我们身份、考验我们关系、最终揭示真实自我的秘密。

I'll dive deep into the incredible power of secrets, the ones that shape our identities, test our relationships, and ultimately reveal who we truly are.

请在iHeartRadio应用、Apple播客或你获取播客的任何平台收听《家庭秘密》。

Listen to Family Secrets on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

想在今年的捐赠季真正做出改变吗？

Want to make a real difference this giving season?

今年12月，《On Purpose》节目加入‘播客抗击贫困’行动，联合多个播客帮助卢旺达的三个村庄摆脱极端贫困。

This December On Purpose is part of Pods Fight Poverty, podcasts teaming up to lift three villages in Rwanda out of extreme poverty.

我们通过GiveDirectly机构实现这一目标，该机构直接将现金发放给家庭，让他们自主选择最需要的物资。

We're doing it through GiveDirectly, which sends cash straight to families so they can choose what they need most.

请访问givedirectly.orgonpurpose进行捐赠。

Donate at givedirectly.orgonpurpose.

首次捐赠将获得等额匹配，让你的善款效果翻倍。

First time gifts are matched, doubling your impact.

我们的目标是在年底前筹集100万美元，足以帮助700个家庭脱贫。

Our goal is $1,000,000 by year's end enough to lift 700 families out of poverty.

加入我们，请访问givedirectly.org/onpurpose。

Join us at givedirectly.org/onpurpose.

当Lewis Howes做客我的节目时，他完全没有谈论电子表格。

When Lewis Howes joined me, he didn't talk about spreadsheets.

他谈论的是实验。

He talked about experiments.

他挑战我们将金钱视为一种关系，设定意图，对可能性保持开放，并在金钱出现时心怀感恩。

He challenged us to treat money like a relationship, set an intention, stay open to possibility and practice gratitude when it shows up.

哪怕只是地铁台阶上的一分钱。

Even if it's just a penny on a subway step.

他分享了一个简单的练习。

He shares a simple practice.

我是金钱的磁铁。

I'm a magnet for money.

金钱会大量且自由地流向我的身边。

Money comes to me abundantly and freely.

这不是魔法思维，而是一种训练注意力的方式，让你能发现机会、把握机会并采取行动。

Not as magic thinking, but as a way to train your attention, to notice opportunities, receive them and act.

路易斯的信息很简单。

Lewis's message is simple.

尊重金钱，量入为出，专注于真正感受富足。

Treat money with respect, live beneath your means, and focus on really feeling abundant.

这才是真正的财富。

That's true wealth.

设定目标，踏实工作，不要追逐快钱。

Set intentions, do the work, and don't chase easy money.

培养技能，服务他人，让努力产生复利。

Build skills, serve others, and let effort compound.

当你治愈了金钱创伤，不仅会吸引机会，更能准备好迎接它们。

When you heal your money wounds, you don't just attract opportunities, you're ready to receive them.

对于那些声称可以显化金钱的人，你有什么想说的？

What do you have to say to people who are saying that you can manifest money?

你认同这种观点吗？

Do you agree with that idea of?

这是个有趣的故事。

It's an interesting story.

上周我在纽约时对自己说，我在书中设计了许多不同的练习和游戏，可以作为社会实验提供给人们。

I was in New York last week and I said to myself and I have a lot of these different exercises and games in the book to just give people as social experiments.

我认为给自己做实验非常有力，因为当你实验时，你就在允许自己探索各种可能性。

I I think it's really powerful to give yourself experiment because I think when you experiment, you allow yourself to explore possibilities.

当你为自己创造一个实验时，你就为生活中引入魔法的概念敞开了大门。

And when you create an experiment for yourself, you allow for the idea of magic to enter your life.

所以当你在观看或聆听时，我希望你说：我允许魔法与丰盛在我的生活中显化。

So I want you to just as you're watching or listening, I want you to say, I allow for magic and abundance to manifest in my life.

我要创造一个可能性，让这件事能在我的生活中发生。

I'm gonna create a a possibility that this can happen in my life.

一个瞬间，一次同步性事件。

A moment, a synchronicity.

可能会有人突然联系我。

Someone might call me out of the blue.

可能会有人随机递给我一笔钱。

Someone might hand me money randomly.

我将允许这一刻发生，让这份魔力显现。

I'm going to allow for this moment to happen and this magic to happen.

所以我对自己说，我要践行自己的理念。

So I said to myself, I want to follow my own practices.

对吧？

Right?

然后我去波士顿见了我们的朋友梅尔·罗宾斯，之后在纽约待了几天。

And I went to see our friend Mel Robbins in Boston, and then was in New York for a few days.

我对自己说：金钱会源源不断且自由地流向我的生活。

And I just said to myself, money comes to me abundantly and freely.

我随处都能看见它的踪迹。

And I see it everywhere.

每天早晨醒来和离开酒店时，我都会对自己说这句话。

I just said this to myself every morning when I woke up and when I went out of the hotel.

我说：金钱会源源不断且自由地流向我的生活，我随处都能看见它的踪迹。

Said, money comes to me abundantly and freely, and I see it everywhere.

我就是金钱的磁铁。

And I'm a magnet for money.

我是金钱的磁铁。

I'm a magnet for money.

我不断重复这种能量。

I just kept saying this energy.

我是金钱的磁铁。

I'm a magnet for money.

我只是在玩这个社交实验。

I was just playful, this social experiment.

当我在梅尔家时，一枚硬币掉在了地上。

And when I was at Mel's, a penny dropped on the floor.

有人搬箱子时掉了一分钱，我说：看啊。

Someone was carrying a box and a penny fell and I said, oh, look.

金钱正向我涌来。

Money comes to me.