as of the making of this video I'm 54 years old now if I could go back to my 30 or 40y old self and give myself some Financial advice here's what I'd say so the first piece of advice that I would give myself is that you have to save yourself nobody is coming through that 制作这段视频时我已经 54 岁了，如果我能回到 30 或 40 岁，给自己一些 财务建议，我会这样说，所以我 给自己的第一条建议是，你必须拯救 自己，没有人会通过那
door to rescue you from the mistakes or anything that you've done with your money or want to do with your money it's on you your money is your responsibility you may have to encourage yourself you may have to motivate yourself and Inspire your own self but it's all on 扇门来拯救你，让你摆脱错误，或者让 你用你的钱做过的任何事情， 或者想要用你的钱去做的任何事情，这都是 你自己的事，你的钱是你的责任， 你可能需要鼓励自己，你 可能需要 激励自己，但这一切都取决于
you nobody's coming to rescue you the second thing I would tell myself is that you may have to cut some people off out of your life people who are not going in the same direction you're going when it comes to your money or your life and 你，没有人会来拯救你。 第二件我要告诉自己的事是， 你可能必须把一些人 从你的生活中剔除出去，这些人在 你的金钱或生活方面与你走的方向不同，
you're going to have to attach yourself to those people who are going the direction you're going in life and with money or people who have been where you are and are at where you want get to so don't waste time with the wrong people around you now the third thing I would 你必须 与那些 在生活和金钱方面与你走的方向一致的人， 或者那些曾经和你一样，现在正在达到 你想要达到的目标的人建立联系，所以 不要把时间浪费在 你身边的坏人身上。现在我要
tell my 30 or 40 year old self is don't be afraid to make changes okay and do things differently don't get caught doing things the same way you've always done them right because if you do things the same way you always do it you're going to end up getting the same results 告诉我的第三件事 30 岁或 40 岁的自己不要 害怕做出改变，好吗？做些 不同的事情，不要总是 按照你一直以来做对的方式做事， 因为如果你总是按照 同样的方式做事，你 最终会得到和以前一样的结果，所以
that you always got so you got to do things different and look don't be afraid of doing things differently sometimes fear holds us back don't let that fear keep you from doing what you got to do you may have to make some major adjustments and some major changes 你必须做些 不同的事情，看看不要 害怕以不同的方式做事， 有时候恐惧会阻碍我们，不要让 恐惧阻止你去做你 必须做的事情，你可能需要做出一些 重大的调整和改变，
but you got to keep going despite fear but push yourself to dream big financially and put on your big boy pants and get it done now the fourth thing that I would probably tell my 30-year-old or 40y old self is that stuff ain't that important when it's all 但你必须坚持下去，尽管害怕， 但要推动自己在财务上拥有远大的梦想， 穿上你的大男孩 裤子，把它完成，第四件 我可能会告诉 30 岁或 40 岁的自己的事是， 当一切都说完了，做完了，东西就没那么重要了，
said and done right you really want to put your money to work in the background who cares about stuff in the end stuff don't even matter as much as you may think it matters it really don't matter that much right what matters more is is your money going to work for you and 你真的 想把你的钱在幕后工作， 谁会在乎东西呢，到最后，东西 甚至没有你 想象的那么重要，真的没 那么重要，对吧，更重要的是 你的钱会为你工作，并且
working real hard for you back there where nobody can see it so I would tell myself hey don't spend time trying to look rich and look like you got something but Focus that energy on getting wealthy in the back right where people can't see it and it's none of 真正地工作 在 别人看不到的地方对你来说很不容易，所以我会告诉 自己，不要花时间让自己 看起来很有钱，让自己看起来像是有 什么东西，而要把精力 集中在 别人看不到的地方，这不关
their business to see it they shouldn't be seeing it now the fifth thing I would tell myself is invest more money if you can stretch yourself to put more money away towards your Investments as early as possible if you're 35 36 37 32 40 put away as much money as possible the 他们的事，他们现在不应该 看到。我要 告诉自己的第五件事是，如果你 能尽早把更多的钱 存入你的投资账户，那么就投入更多的资金。 如果你是 35、36、37、32、40 岁， 尽可能多地存钱。
sooner you start doing that the more compound interest can really go to work on your behalf look you're going to pay for it anyway you're going to pay when you're 60 or you're going to pay when you're 30 I suggest you pay it when you're 30 when you have the energy you 你越早开始这样做， 复利就越能真正为 你工作。你看， 无论如何你都要还钱，你 是 60 岁时还钱，还是 30 岁时还钱？ 我建议你在 30 岁时还钱，那时你精力充沛，身体
have the good health and you're motivated it when you're 30 years old pay for it at 30 so you can chill when you're 60 cuz you don't want to pay for it when you're 60 and regret the fact that you didn't pay for it when you was 30 now that takes me to to the sixth 健康，有 动力。30 岁时 还钱，这样你 60 岁时就可以放松了，因为 你不想还钱。 当 你 60 岁的时候，你会后悔 自己没有在 30 岁时付钱，现在我想到第六
thing the sixth thing I'd probably tell myself is start now don't wait the longer you wait the harder it's going to get look it's hard to just turn it on when you 50 55 years old and if you're 50 55 years old let me know in the comments if what I'm saying is right 件事，我可能会告诉 自己的第六件事是现在就开始，不要等， 等的时间越长，就越难，你 看， 当你 50 55 岁时，很难立即开始，如果你 50 55 岁了，请在评论中告诉我， 如果我说的对的话，
when you get to be 50 55 60 65 you don't want to have to turn it on all of a sudden and start saving a whole bunch of money you sort of wish you had done that when you was 30 years old or 35 years old you ever see like a game that's a four quarter game and towards the end of 当你 50 55 60 65 岁时，你不想 突然开始使用它 并开始省一大笔钱， 你有点希望你在 30 岁或 35 岁时就这样做了，你有没有看到过这样的比赛，那就是 四节比赛，在
the game you see the team working real hard and really hustling real hard and you're asking yourself well why wasn't you doing all that hard work in the first quarter and in the second quarter why you wait till 6 minutes to go at the end of the game to turn it on right 比赛快结束时，你看到球队非常 努力，非常拼命， 你会问自己，为什么 你没有在 第一节和第二节都那么努力， 为什么要等到比赛结束前 6 分钟 游戏把它打开吧，
apply that to your life in the first part of your life get busy Go With It Go Hard right so turn it on as soon as you can and don't wait till the end of the fourth quarter to start getting really serious about this thing now the seven thing I would tell my 30 在你人生的第一部分把它应用到你的生活中，开始忙碌起来， 随波逐流，努力工作，所以尽快打开它， 不要等到 第四季度末才开始 认真对待这件事。 现在，我要告诉30
or 40 year old self is to exercise walk keep your body in shape keep your body in good physical condition so that you're here for the Long Haul right what good is it to have a whole lot of money if you're not in good shape and good physical condition to enjoy it now the 或40岁的自己的第七件事是锻炼 身体，散步，保持身体健康，保持 良好的身体状况，这样 你才能长期在这里，对吧， 如果你没有良好的身材和 身体状况来享受它，那么拥有一大笔钱有什么好处。现在，
eighth thing I would say to myself my 30 or 40 year old self is forgive your parents as soon as you can your parents probably did the absolute best they could do with what they had maybe they didn't have a whole bunch of money maybe they didn't send you to the this this 我要对30 或40岁的自己说的第八件事是尽快原谅你的 父母，你的父母 可能已经尽了他们所能， 也许他们 没有很多钱，也许 他们没有送你去这种
this uh this type of school or that school or buy you this or buy you that look the sooner you can forgive your parents and move on the better don't live back there in the past look all par parents all people all humans we all make mistakes we make mistakes in life 学校或那种 学校，或者给你买这个或那个， 你越早原谅你的 父母，继续前进越好，不要 生活在过去，看看所有的 父母，所有的人，所有的人，我们所有人 人生中我们都会犯错，在
and with money don't beat yourself up and make sure you forgive you and you forgive your parents for whatever took place in the past and you need to live life moving forward looking forward the key is to recognize those mistakes forgive and move on keep going forward 金钱方面也一样，不要责怪自己， 一定要原谅自己和 父母过去犯下的一切过错，你 需要 向前看， 关键是要认识到这些错误， 原谅他们，继续前进，
now the ninth thing I would tell my 30 or 40 year old self is simply what you focus on is going to grow right whatever you put intention to and energy behind is what's going to flourish it's going to and it's going to flourish in the direction where you put that energy at 现在，我要告诉30岁 或40岁的自己的第九件事就是，你 关注的事情就会成长， 你把意图和精力投入到什么地方，它 就会蓬勃发展，它会朝着 你投入精力的方向蓬勃发展。
if you come to a situation with your personal finances and you're putting a lot of energy into being negative that's going to grow and it's going to fester and it's going to get bigger and bigger and bigger but if you take all that energy and you put it towards something 如果你在 个人财务方面投入了 大量精力去做一些消极的事情，那么它就会不断 增长，恶化， 越来越严重。但是，如果你把所有的 精力都投入到一些对
positive regarding your personal fin finances then that's what's going to grow in that direction see because abundance and lack are all around us they're everywhere everywhere we look we have people that are abundant and people that are lacking and don't have as much 你个人财务有利的事情上，那么 它就会朝着 这个方向发展。因为 我们身边到处都是富足和匮乏， 它们无处不在，我们看到的到处都有 富足的人和 匮乏的人，没有那么多，对吧，
right the key is this we get what we choose to focus on so what I would tell my 30 or 40 year old self is focus on the abundance don't focus on the lack focus on what you can do what you can have and put that energy there so that that is what begins to take place and 关键是 这就是我们 选择关注什么，就会得到什么吗？所以我想告诉 30岁或40岁的自己，关注 富足，不要关注匮乏，关注你 能做什么，你能 拥有什么，把精力投入到那里，这样你的生活就会 开始发生，并
manifest in your life whether it's your life or your personal finances right spend more energy and focus and time and money on fixing problems and growing then you spend on trying to figure out who's at fault who's to blame how terrible those mistakes are don't put 体现在你的生活中，无论是你的 生活还是你的个人财务状况， 把更多的精力、时间和 金钱花在解决问题和成长上， 而不是花在试图弄清楚 谁的错，谁的错， 那些错误有多严重，不要把
your energy there put your energy on the positive put your focus on what what's next what's coming what's possible and keep that positive energy and that positive mindset and you'll have abundance because you're focusing on abundance the 10th thing I would say to 精力放在上面，把精力放在 积极的方面，把注意力放在 接下来会发生什么，即将发生什么，什么是可能的， 保持积极的能量和 积极的心态，你就会拥有 富足，因为你专注于 富足。我想对自己说的第十件事
myself is simply this guys today you are as young as you will ever be if you're 30 years old and you're watching this if you're my 40-year-old former self hey you only get older from here time doesn't wait on you and the older you get the faster time pass passes Us by so 就是，今天你们正处于 青春的巅峰，如果你 30岁，你正在看这个，如果 你是我40岁的前任，嘿， 从现在开始你只会变老，时间 不等人，你越老， 时间过得越快。 从我们身边溜走，所以
you don't get moments back you don't get days back often times you don't get opportunities back you got to seize the opportunities that are put before you with both money and time right now the 11th thing that I would tell my 30 or 40 year old self is that your life and your 你不会再得到片刻，你不会 再得到日子，很多时候你不会 再得到机会，你必须抓住摆在 你面前的 金钱和时间的机会。 第 11 件事我想告诉 30 或 40 岁的自己，当你改变生活时，你的生活和你的金钱就会
money changes when you change your life and your money gets better when you get better your money and your life will improve when you improve you want things to change with your money you want to have more money you want to have more Investments you got to make some changes 改变， 当你变得更好时，你的金钱会变得更好，当 你改善时，你的金钱和生活就会改善。你想用 你的钱来改变事情，你想有 更多的钱，你想有更多的 投资，你必须做出一些改变，
cuz it ain't changing till you change and when you change it changes now the 12th thing I would tell myself my 30 40 year old self is make sure that you help other people and you give to other people not just to get something out of it but you give and you help other 因为除非你改变，否则它不会改变，当 你改变时，它就会改变。 第 12 件事我想告诉 30 或 40 岁的自己，确保你帮助 别人，你给予 别人，不只是为了从中获得什么， 而是给予和帮助
people CU it's just the right thing to do see I would tell my former self listen the price you pay for all the beauty of living and life itself is to give and help other people because you're not in the world by yourself and giving and helping others is a small 别人，CU 这是正确的做法， 我会告诉以前的自己， 你为 生活和生命本身的美丽所付出的代价就是 给予和帮助别人，因为 你不是一个人活在这个世界上， 给予和帮助 为了我们现在所享受的美好生活，牺牲一些其他的东西只是很小的
price to pay for the beauty of life that we all enjoy now the next thing I tell my 30 or 40 year old self is please make a financial plan for your money and for your life with money and why because I want you to have some direction see I 代价。 接下来我要告诉 30岁或40岁的自己，请为 你的钱和 你的金钱生活制定一个财务计划。为什么？因为我 希望你有个方向。我
want the plan that you come up with the strategy the plan the goals I want those things to help guide your financial decisions if you have no direction in life and with money your life and money could end up anywhere and all the decisions you make regarding money 希望你能制定出计划，制定 策略，制定目标，我希望这些 东西能帮助你做出财务 决策。如果你在生活中没有方向， 你的生活和金钱最终 都会变得一团糟。 你做的所有关于金钱的决定都
should be based on whether or not it fits in your strategy and your plan that you've come up with for your money so develop that plan in is what I'd tell my 30 or 40 year old self now the final thing that I would probably tell my 30 or 40y old self about life about money 应该基于它是否 符合你的策略和 你为金钱制定的计划。所以， 制定这个计划，这就是我要告诉 30岁或40岁的自己的。关于金钱， 我最后要告诉30岁 或40岁的自己的一件事
is that you can't always control what happens to you but you can always control how you react and how you think because how you think determines how you behave and how you behave determines the results and the outcome right so you're thinking really 是，你无法控制 发生在自己身上的事情，但你可以 控制自己的反应和想法。 因为你的想法 决定了你的行为，而你的 行为决定了结果，对 吧？所以你的想法和
has a direct connection to your outcomes so how you think matters that's why you got to get your thinking right if you get your thinking right then you'll start to behave accordingly and ultimately the outcomes will be based on your thoughts so get the right thinking 你的结果有直接的关系。 所以你的想法很重要。 为什么你 必须正确思考？如果你 正确思考，你就会 开始采取相应的行动， 最终的结果将取决于 你的想法，所以，正确思考，
get the right outcomes look guys I'm 54 years old and I've seen a lot of 30 and 40 year old people make some of the biggest Financial mistakes of their life look we can all blow off our 20s and be okay but we can't blow off our 30s and 40s and have a good rest of our life in 获得正确的结果。伙计们，我今年54 岁了，我见过很多30岁和 40岁的人犯下 他们一生中最大的财务错误。 我们都可以安然度过20多岁， 但我们不能安然度过30多岁和 40多岁，然后在
our 60s and 70s so there you have it that's what I would tell my 30 or 40y old self about money if I could go back and give some advice as always guys the best person who's going to take care of the old you is the young you take good care of yourself and take care of other 60多岁和70多岁时好好享受余生。所以，这就是 我想告诉30岁或40 岁的自己关于金钱的事情，如果我可以回到过去， 给一些建议，一如既往，伙计们， 最适合照顾 年老的你的人是年轻人，你要好好 照顾自己，也要照顾好
people until the next video peace 别人，直到下一个视频播出。