00694 2026年 投資第一堂課『價值十億元的投資講座』第一章 2026年5月5日 (128kbit_AAC)

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語音筆記：00694 2026年投資第一堂課『價值十億元的投資講座』第一章 2026年5月5日 (128kbit_AAC)

[0:00:00,000 – 0:00:08,000]大家好,這裡是CRAC投資理財頻道

[0:00:08,000 – 0:00:19,000]今天我們的課程就是2026年投資第一堂課價值10億元的投資講座

[0:00:19,000 – 0:00:26,000]過去我們的第一堂課都是標題是價值1億元的投資講座

[0:00:26,000 – 0:00:34,000]現在我們的學員超過1億元的應該是很多了

[0:00:34,000 – 0:00:38,000]所以如果還是用價值1億元投資講座

[0:00:38,000 – 0:00:42,000]未免有點過時了

[0:00:42,000 – 0:00:46,000]所以我就改成價值10億元的投資講座

[0:00:46,000 – 0:00:52,000]希望過幾年就會價值百億元的投資講座

[0:00:52,000 – 0:00:58,000]那你如果認同這個標題的你可以繼續看下去

[0:00:58,000 – 0:01:02,000]你覺得這個標題有點聳動

[0:01:02,000 – 0:01:06,000]或者是你不值得擁有10億元以上的資產

[0:01:06,000 – 0:01:10,000]那你可以不用繼續看下去了

[0:01:10,000 – 0:01:13,000]因為你自己都認為你不可能富有

[0:01:13,000 – 0:01:16,000]那你就不可能富有

[0:01:16,000 – 0:01:19,000]所以富有是天賦

[0:01:19,000 – 0:01:24,000]你只有認為你自己可以富有的人你才會富有

[0:01:24,000 – 0:01:30,000]開始之前我先自我介紹一下

[0:01:30,000 – 0:01:34,000]可能有些人對我未必瞭解

[0:01:34,000 – 0:01:36,000]我們頻道當然幾千部影片

[0:01:36,000 – 0:01:41,000]我是科技出身的

[0:01:41,000 – 0:01:44,000]一直在宏基上班

[0:01:44,000 – 0:01:50,000]也在宏基美國的多媒體事業羣工作

[0:01:50,000 – 0:01:56,000]你們現在所有用的電腦的多媒體的系統

[0:01:56,000 – 0:01:59,000]最基礎的就是我的設計

[0:01:59,000 – 0:02:06,000] Microsoft multimedia one的標準也是用我的設計

[0:02:06,000 – 0:02:11,000]還有就是現在所有電腦的HyperNet

[0:02:11,000 – 0:02:15,000]就是說你關機馬上立即開機馬上又可以恢復

[0:02:15,000 – 0:02:19,000]像現在手機你打開你的APP都還在

[0:02:19,000 – 0:02:23,000]你所有的那個那這個是我的專利

[0:02:23,000 – 0:02:25,000] HyperNet

[0:02:25,000 – 0:02:30,000]那我是宏基事業羣主管退休的

[0:02:30,000 – 0:02:33,000]我退休的時間是2024年

[0:02:33,000 – 0:02:37,000]那我交投資應該是交了22年了

[0:02:37,000 – 0:02:40,000]免費交投資

[0:02:41,000 – 0:02:44,000]那我投資的經驗也差不多有40年了

[0:02:44,000 – 0:02:49,000]那我退休到現在22年23年

[0:02:49,000 – 0:02:52,000]我的資產是越用越多

[0:02:52,000 – 0:02:56,000]所以我想我應該有資格來這邊跟大家分享

[0:02:56,000 – 0:03:00,000]投資的底層邏輯

[0:03:00,000 – 0:03:04,000]好我是James

[0:03:04,000 – 0:03:07,000]那我們往下看了

[0:03:08,000 – 0:03:17,000]免責聲明我們是有意思是義務的教學也是經驗分享

[0:03:17,000 – 0:03:20,000]我們都不是專業的投資工

[0:03:20,000 – 0:03:22,000]我也沒有牌照

[0:03:22,000 – 0:03:25,000]所以也不可能收費幫你管理錢

[0:03:25,000 – 0:03:29,000]如果有人假借我名義用我們的頭像

[0:03:29,000 – 0:03:33,000]那召集羣組或者是要跟你收錢

[0:03:33,000 – 0:03:37,000]會跟你代操或者是把你拉到羣裡

[0:03:37,000 – 0:03:40,000]那都是詐騙一定要小心

[0:03:40,000 – 0:03:42,000]投資風險很大了

[0:03:42,000 – 0:03:47,000]你可能會隨時會有市場波動的大的損失

[0:03:47,000 – 0:03:51,000]可是市場短期的波動不是風險

[0:03:51,000 – 0:03:54,000]長期你會有很好的回報

[0:03:54,000 – 0:03:56,000]你長期的回報率低

[0:03:56,000 – 0:03:58,000]纔是最大的風險

[0:03:58,000 – 0:04:00,000]因為大家都富有了

[0:04:00,000 – 0:04:01,000]大家都富有了

[0:04:01,000 – 0:04:03,000]你還是一個窮者的話

[0:04:03,000 – 0:04:05,000]你的資產不夠多

[0:04:05,000 – 0:04:07,000]你就會被變窮

[0:04:07,000 – 0:04:09,000]我又被變窮

[0:04:09,000 – 0:04:11,000]好

[0:04:11,000 – 0:04:13,000]那在我們這個影片

[0:04:13,000 – 0:04:18,000]很多學員或者很多朋友對我們的頻道已經很認識了

[0:04:18,000 – 0:04:20,000]那我今天講完之後

[0:04:20,000 – 0:04:21,000]你如果有

[0:04:21,000 – 0:04:27,000]或者是你認為在這個影片裡麵或第一堂課裡麵

[0:04:27,000 – 0:04:29,000]你想要知道其他的

[0:04:29,000 – 0:04:31,000]我們有很多章節

[0:04:31,000 – 0:04:33,000]今天是第一個章節

[0:04:33,000 – 0:04:35,000]那你在第一個章節裡麵

[0:04:35,000 – 0:04:37,000]你有想要知道更多的

[0:04:37,000 – 0:04:39,000]你也可以在下麵留言

[0:04:39,000 – 0:04:44,000]那我們的講義也會在YouTube的留言闆的置頂

[0:04:44,000 – 0:04:45,000]也會有講義

[0:04:45,000 – 0:04:47,000]所以你可以自己下載

[0:04:49,000 – 0:04:54,000]我們第一章的重點就是要跟大家講

[0:04:54,000 – 0:04:57,000]你是勞工還是資本家

[0:04:57,000 – 0:05:00,000]那勞工跟資本家的差別

[0:05:00,000 – 0:05:04,000]勞工跟資本家的人生是有什麼不一樣

[0:05:06,000 – 0:05:11,000]所以很多人在傳統的觀念裡麵

[0:05:11,000 – 0:05:13,000]都是好好念書

[0:05:13,000 – 0:05:15,000]考個好成績

[0:05:15,000 – 0:05:17,000]上個好大學

[0:05:17,000 – 0:05:20,000]念個碩士班

[0:05:20,000 – 0:05:22,000]最好是能夠博士畢業

[0:05:22,000 – 0:05:23,000]重點是什麼

[0:05:24,000 – 0:05:27,000]重點是說能夠找到好工作

[0:05:28,000 – 0:05:30,000]找到好工作要做什麼

[0:05:30,000 – 0:05:31,000]賺錢

[0:05:31,000 – 0:05:32,000]那其實

[0:05:34,000 – 0:05:38,000]世界上不是隻有去上班才能賺到錢

[0:05:39,000 – 0:05:42,000]你還有一個另外賺錢的管道

[0:05:42,000 – 0:05:44,000]就是你做資本家

[0:05:44,000 – 0:05:48,000]那通常你資本還不夠雄厚的時候

[0:05:48,000 – 0:05:49,000]當然你要先做勞工

[0:05:49,000 – 0:05:52,000]可是慢慢你開始做上班的第一天開始

[0:05:52,000 – 0:05:54,000]你就可以節省

[0:05:55,000 – 0:05:57,000]比如說臺幣一萬美金五百

[0:05:57,000 – 0:05:59,000]那你就可以開始投資

[0:06:00,000 – 0:06:04,000]那你就勞工跟資本家就雙管齊下

[0:06:05,000 – 0:06:08,000]最後慢慢的你資本家

[0:06:08,000 – 0:06:12,000]你的資產投資賺的錢

[0:06:12,000 – 0:06:15,000]慢慢的比你勞工賺的錢多

[0:06:15,000 – 0:06:17,000]那你就財富自由了

[0:06:20,000 – 0:06:23,000]所以地主跟佃農有什麼不一樣

[0:06:23,000 – 0:06:26,000]地主就是天天睡到自然醒

[0:06:27,000 – 0:06:29,000]那佃農跟佃農的小孩

[0:06:29,000 – 0:06:33,000]就是半夜三四點就要起牀

[0:06:33,000 – 0:06:35,000]就要去田裡麵耕種

[0:06:36,000 – 0:06:39,000]那佃農教育小孩子的教育方式

[0:06:39,000 – 0:06:42,000]就是你要跟我去學種田

[0:06:42,000 – 0:06:45,000]就好像現在的大家教育小孩

[0:06:45,000 – 0:06:46,000]只要好好念書

[0:06:46,000 – 0:06:48,000]以後纔有工作可以做

[0:06:49,000 – 0:06:51,000]跟過去的佃農一樣

[0:06:51,000 – 0:06:56,000]就是你要跟著爸爸媽媽去田裡種田

[0:06:56,000 – 0:06:58,000]在冰冷的冰水下

[0:06:59,000 – 0:07:04,000]那以後纔有地主會請你來種田

[0:07:05,000 – 0:07:09,000]那我是希望大家能夠認清楚

[0:07:09,000 – 0:07:12,000]你不是一輩子註定就是佃農

[0:07:12,000 – 0:07:15,000]你也不是一輩子就是註定做勞工

[0:07:16,000 – 0:07:18,000]你應該學會做地主

[0:07:18,000 – 0:07:20,000]學會做資本家

[0:07:20,000 – 0:07:23,000]那過去的佃農應該是

[0:07:23,000 – 0:07:25,000]你所賺到的稻米

[0:07:25,000 – 0:07:27,000]應該留一部分存下來

[0:07:28,000 – 0:07:30,000]慢慢的累積資產

[0:07:30,000 – 0:07:32,000]最後可以買一塊地

[0:07:33,000 – 0:07:35,000]可以自己耕種

[0:07:35,000 – 0:07:37,000]那也可以幫地主耕種

[0:07:37,000 – 0:07:41,000]慢慢你的地累積越來越多之後

[0:07:41,000 – 0:07:43,000]你的資產越來越多之後

[0:07:43,000 – 0:07:45,000]你就不需要幫地主耕種

[0:07:45,000 – 0:07:47,000]你就會變地主了

[0:07:47,000 – 0:07:49,000]你可以幫自己的田耕種

[0:07:49,000 – 0:07:52,000]或者是你開始可以請別的佃農

[0:07:52,000 – 0:07:54,000]來幫你耕種

[0:07:55,000 – 0:07:58,000]這個就是佃農變地主的一個邏輯

[0:07:58,000 – 0:08:01,000]跟一個觀念

[0:08:01,000 – 0:08:03,000]還有他的路徑

[0:08:04,000 – 0:08:06,000]一樣的你是勞工

[0:08:06,000 – 0:08:08,000]你開始賺錢的第一份薪水

[0:08:08,000 – 0:08:10,000]就要讓薪水去做資本家

[0:08:10,000 – 0:08:11,000]開始投資

[0:08:12,000 – 0:08:13,000]還有

[0:08:14,000 – 0:08:17,000]在臺灣的或新加坡的

[0:08:17,000 – 0:08:18,000]應該都有

[0:08:18,000 – 0:08:20,000]你只要有薪資收入

[0:08:20,000 – 0:08:22,000]你就可以做信用貸款

[0:08:22,000 – 0:08:24,000]你第一份薪水拿到的時候

[0:08:24,000 – 0:08:26,000]你就可以去找銀行做信貸

[0:08:27,000 – 0:08:29,000]信貸的作用就是

[0:08:29,000 – 0:08:31,000]你先投資先享受

[0:08:31,000 – 0:08:33,000]那再慢慢付錢

[0:08:33,000 – 0:08:34,000]那當然有的人說

[0:08:34,000 – 0:08:36,000]那我結餘再分批買進

[0:08:36,000 – 0:08:37,000]是不是一樣

[0:08:38,000 – 0:08:40,000]其實還是不太一樣的

[0:08:40,000 – 0:08:42,000]你寧願借個10年

[0:08:42,000 – 0:08:44,000] 7年的信貸

[0:08:44,000 – 0:08:45,000]一次100萬借來

[0:08:45,000 – 0:08:46,000]就給他投進去

[0:08:46,000 – 0:08:48,000]你就100萬可以成長

[0:08:50,000 – 0:08:51,000] 7年就翻倍

[0:08:51,000 – 0:08:52,000] 5年就翻倍

[0:08:52,000 – 0:08:54,000]那你如果慢慢投資

[0:08:54,000 – 0:08:56,000]你可能到了7年

[0:08:56,000 – 0:08:59,000]你可能還不到200萬

[0:08:59,000 – 0:09:00,000]可是你現在買

[0:09:00,000 – 0:09:01,000]借來的100萬

[0:09:01,000 – 0:09:04,000]可是到時候就變成200萬

[0:09:04,000 – 0:09:05,000]或250萬

[0:09:05,000 – 0:09:07,000]所以不一樣的

[0:09:08,000 – 0:09:11,000]所以資本家第一件事情

[0:09:11,000 – 0:09:13,000]要學會的就是借錢

[0:09:13,000 – 0:09:15,000]那年輕人你們就是

[0:09:15,000 – 0:09:16,000]上班的第一天

[0:09:16,000 – 0:09:18,000]知道投資就要去借錢

[0:09:18,000 – 0:09:21,000]借信貸來投資指數基金

[0:09:22,000 – 0:09:24,000]當然慢慢的你們會學會

[0:09:24,000 – 0:09:26,000]什麼是指數基金

[0:09:27,000 – 0:09:29,000]哪一個指數基金會讓你富有

[0:09:30,000 – 0:09:32,000]很多基金不是你買了

[0:09:32,000 – 0:09:33,000] ETF買了

[0:09:33,000 – 0:09:35,000]你就會富有

[0:09:35,000 – 0:09:37,000]像你去買VT的話

[0:09:37,000 – 0:09:38,000]你會變窮人

[0:09:38,000 – 0:09:40,000]你買世界基金

[0:09:40,000 – 0:09:41,000]你會變窮人

[0:09:41,000 – 0:09:43,000]所以不要去買世界基金

[0:09:43,000 – 0:09:45,000]不要亂買基金

[0:09:45,000 – 0:09:47,000]基金不是隨便買就會富有

[0:09:48,000 – 0:09:50,000]因為人家變10億20億

[0:09:50,000 – 0:09:52,000]你纔不到5000萬

[0:09:52,000 – 0:09:54,000]你當然是窮人

[0:09:55,000 – 0:09:56,000]所以一定要小心

[0:09:56,000 – 0:10:00,000]不是說長期投資就會富有

[0:10:00,000 – 0:10:01,000]這重點還是要

[0:10:01,000 – 0:10:03,000]你能夠選到好的標的

[0:10:04,000 – 0:10:05,000]我們在這個頻道

[0:10:05,000 – 0:10:07,000]就會教你如何變成

[0:10:08,000 – 0:10:10,000]百億富翁萬億富翁

[0:10:11,000 – 0:10:15,000]所以大家一定要知道

[0:10:15,000 – 0:10:19,000]就是說越早投資越好

[0:10:19,000 – 0:10:22,000]那再來就是你會發現

[0:10:22,000 – 0:10:24,000]你如果不懂得當資本家

[0:10:24,000 – 0:10:27,000]那你這個勞工跟一般的稅流

[0:10:28,000 – 0:10:29,000]臺語說水牛

[0:10:30,000 – 0:10:31,000]就是耕田的牛

[0:10:31,000 – 0:10:33,000]有不一樣嗎

[0:10:33,000 – 0:10:35,000]你耕到老耕到死

[0:10:36,000 – 0:10:37,000]你也沒有財富

[0:10:38,000 – 0:10:39,000]對不對

[0:10:39,000 – 0:10:40,000]所以水牛會富有嗎

[0:10:40,000 – 0:10:41,000]不會啊

[0:10:41,000 – 0:10:43,000]他可是每天都那麼辛勤的工作

[0:10:43,000 – 0:10:46,000]所以如果你不懂得做資本家

[0:10:47,000 – 0:10:50,000]你就跟一般的牛就沒兩樣

[0:10:51,000 – 0:10:54,000]那為什麼有的人是可以變資本家

[0:10:54,000 – 0:10:55,000]有的還是勞工

[0:10:56,000 – 0:10:59,000]這個就像富爸爸窮爸爸那本書一樣

[0:10:59,000 – 0:11:01,000]就是我爸爸就是勞工

[0:11:01,000 – 0:11:03,000]所以我爸爸就是佃農

[0:11:03,000 – 0:11:06,000]所以如果我承襲我父輩

[0:11:06,000 – 0:11:10,000]我長輩所教給我的這種知識的話

[0:11:10,000 – 0:11:14,000]那我永遠就跳脫不了勞工跟佃農的命運

[0:11:15,000 – 0:11:17,000]那我是資本家

[0:11:17,000 – 0:11:19,000]所以我要告訴你們

[0:11:20,000 – 0:11:21,000]富有是天賦

[0:11:22,000 – 0:11:26,000]我做到我告知的責任

[0:11:26,000 – 0:11:29,000]我要告訴你如何成為資本家

[0:11:30,000 – 0:11:31,000]那你既然被告知了

[0:11:32,000 – 0:11:36,000]你應該就要認真的學習做資本家

[0:11:37,000 – 0:11:38,000]變富有快樂的人

[0:11:39,000 – 0:11:40,000]因為富有是天賦

[0:11:42,000 – 0:11:50,000]就好像如果沒有人告訴你天賦人權

[0:11:50,000 – 0:11:53,000]就是說投票權

[0:11:54,000 – 0:11:56,000]還有你的自由權

[0:11:57,000 – 0:11:58,000]還有你的言論自由

[0:11:59,000 – 0:12:00,000]如果沒有人告訴你

[0:12:00,000 – 0:12:02,000]你有這個自由的話

[0:12:02,000 – 0:12:09,000]那你就以為沒有投票權是正常的

[0:12:10,000 – 0:12:13,000]就好像古時候美國黑人不能投票

[0:12:14,000 – 0:12:17,000]那如果沒有人喚醒黑人的自覺

[0:12:17,000 – 0:12:21,000]那黑人就以為世世代代

[0:12:21,000 – 0:12:25,000]就以為自己是沒有投票權的

[0:12:26,000 – 0:12:29,000]就好像美國以前都一直沒有

[0:12:29,000 – 0:12:31,000]婦女是沒有投票權的

[0:12:33,000 – 0:12:37,000]那如果沒有人喚醒婦女有投票權

[0:12:37,000 – 0:12:42,000]那婦女以為自己沒有投票權是自然的

[0:12:42,000 – 0:12:43,000]是正常的

[0:12:43,000 – 0:12:44,000]那是錯的

[0:12:44,000 – 0:12:45,000]所以一樣的

[0:12:46,000 – 0:12:50,000]很多人以為自己做勞工一輩子是正常的

[0:12:50,000 – 0:12:51,000]那是不對的

[0:12:52,000 – 0:12:55,000]富有這個事情纔是正常的

[0:12:56,000 – 0:12:57,000]那需要有人告知

[0:12:58,000 – 0:13:00,000]所以我今天就告訴你們

[0:13:01,000 – 0:13:02,000]富有是天賦

[0:13:03,000 – 0:13:07,000]勞工什麼是勞工

[0:13:07,000 – 0:13:10,000]就是大部分人都是寒川苦讀

[0:13:11,000 – 0:13:12,000]二十年三十年

[0:13:12,000 – 0:13:15,000]終於進了勞工的集中營

[0:13:16,000 – 0:13:18,000]申請到一個工作

[0:13:18,000 – 0:13:20,000]非常的開心

[0:13:20,000 – 0:13:22,000]全家族都恭喜你

[0:13:23,000 – 0:13:26,000]進了護國神山

[0:13:27,000 – 0:13:28,000]你去看那個影片

[0:13:28,000 – 0:13:31,000]護國神山苦不堪言

[0:13:33,000 – 0:13:34,000]早上鬧鐘響

[0:13:35,000 – 0:13:36,000]痛苦的爬起牀

[0:13:37,000 – 0:13:40,000]這個老闆的兇惡的眼神

[0:13:40,000 – 0:13:43,000]就在你眼前出現

[0:13:48,000 – 0:13:52,000]在集中營裡麵的生活是痛苦的

[0:13:52,000 – 0:13:53,000]我跟大家講

[0:13:53,000 – 0:13:57,000]除非你是做一個你自己有興趣的工作

[0:13:58,000 – 0:14:01,000]所以我要跟大家年輕人講

[0:14:01,000 – 0:14:06,000]你要選擇薪水高的還是有興趣的工作

[0:14:06,000 – 0:14:09,000]我中心的建議你要選擇

[0:14:10,000 – 0:14:12,000]自己有興趣的工作

[0:14:13,000 – 0:14:16,000]錢不是從勞力賺來的

[0:14:17,000 – 0:14:21,000]錢要從投資賺來

[0:14:21,000 – 0:14:24,000]錢要成為資本家賺來的

[0:14:25,000 – 0:14:28,000]用勞工賺的錢是為乎其為

[0:14:29,000 – 0:14:32,000]就算你是進了護國神山

[0:14:32,000 – 0:14:35,000]你賺的錢也是為乎其為

[0:14:36,000 – 0:14:38,000]勞力錢也是為乎其為

[0:14:38,000 – 0:14:42,000]在資本家麵前那是芝麻綠豆大

[0:14:43,000 – 0:14:44,000]所以你要做資本家

[0:14:46,000 – 0:14:49,000]所以勞工一早上起來

[0:14:49,000 – 0:14:51,000]緊緊張張的趕上班

[0:14:52,000 – 0:14:54,000]晚上就得去加班

[0:14:55,000 – 0:14:57,000]孩子就會進安親班

[0:14:57,000 – 0:14:58,000]朝九晚五

[0:14:59,000 – 0:15:02,000]喫飯喫不好睡不好

[0:15:03,000 – 0:15:04,000]沒錢花

[0:15:04,000 – 0:15:06,000]還得繳一堆稅

[0:15:08,000 – 0:15:10,000]繳一堆貸款

[0:15:11,000 – 0:15:12,000]買了一部豪車

[0:15:12,000 – 0:15:13,000]買了一個豪宅

[0:15:13,000 – 0:15:16,000]可是壓得喘不過氣來

[0:15:16,000 – 0:15:17,000]這是不對的

[0:15:18,000 – 0:15:19,000]所以我跟大家講

[0:15:19,000 – 0:15:21,000]年輕人不要買房子

[0:15:22,000 – 0:15:26,000]房子是一個非常風險極高的資產

[0:15:28,000 – 0:15:29,000]太多人買了房子

[0:15:29,000 – 0:15:31,000]現在被裁員了

[0:15:31,000 – 0:15:33,000]真的是非常緊張

[0:15:34,000 – 0:15:36,000]你寧願養孩子

[0:15:36,000 – 0:15:38,000]也不要去養房子

[0:15:38,000 – 0:15:39,000]懂嗎

[0:15:40,000 – 0:15:42,000]當你錢多到買房子

[0:15:42,000 – 0:15:44,000]跟買拖鞋一樣

[0:15:44,000 – 0:15:45,000]你要住什麼豪宅

[0:15:45,000 – 0:15:46,000]其實都有

[0:15:47,000 – 0:15:49,000]不要一開始就把自己一生

[0:15:50,000 – 0:15:52,000]賭進房子裡麵

[0:15:52,000 – 0:15:53,000]等到三十年

[0:15:53,000 – 0:15:54,000]你繳完房貸

[0:15:54,000 – 0:15:56,000]就剩下一間破房

[0:15:57,000 – 0:15:58,000]你還剩什麼

[0:15:58,000 – 0:15:59,000]可是人家

[0:15:59,000 – 0:16:00,000]你還剩什麼

[0:16:00,000 – 0:16:02,000]可是人家要買你這個房子

[0:16:02,000 – 0:16:03,000]輕而易舉

[0:16:03,000 – 0:16:07,000]而且人家纔不要買你這老房子

[0:16:08,000 – 0:16:09,000]人家去買新的

[0:16:10,000 – 0:16:11,000]買豪宅

[0:16:11,000 – 0:16:13,000]而且還不用自己的錢

[0:16:14,000 – 0:16:16,000]去銀行搬錢就有了

[0:16:16,000 – 0:16:20,000]那你的死守的這破舊漏水的房子

[0:16:21,000 – 0:16:22,000]所以不要買房子

[0:16:25,000 – 0:16:26,000]勞工的家庭

[0:16:26,000 – 0:16:28,000]你加班賺錢

[0:16:28,000 – 0:16:30,000]辛苦為了這個家

[0:16:30,000 – 0:16:31,000]可是你的家庭

[0:16:32,000 – 0:16:33,000]你的子女關係

[0:16:34,000 – 0:16:36,000]你的夫妻配偶關係

[0:16:36,000 – 0:16:38,000]你的父母生活好嗎

[0:16:40,000 – 0:16:42,000]其實這種勞工家庭

[0:16:42,000 – 0:16:44,000]通常是一地雞毛

[0:16:45,000 – 0:16:48,000]所以為什麼會一地雞毛

[0:16:48,000 – 0:16:52,000]因為完全被錢綁住了

[0:16:52,000 – 0:16:54,000]因為你很緊張

[0:16:54,000 – 0:16:55,000]很緊張

[0:16:56,000 – 0:16:59,000]你做勞工賺的錢不夠花

[0:16:59,000 – 0:17:01,000]而且你還會很緊張

[0:17:01,000 – 0:17:03,000]未來退休怎麼辦

[0:17:03,000 – 0:17:04,000]而且很緊張說

[0:17:04,000 – 0:17:06,000]我現在沒買房子

[0:17:06,000 – 0:17:08,000]以後可能就買不起了

[0:17:08,000 – 0:17:09,000]所以會很緊張

[0:17:10,000 – 0:17:12,000]那之後你的壓力很大

[0:17:12,000 – 0:17:14,000]工作壓力大

[0:17:15,000 – 0:17:17,000]對未來沒有成就感

[0:17:17,000 – 0:17:19,000]對未來沒希望

[0:17:19,000 – 0:17:21,000]你就很壓力很大

[0:17:21,000 – 0:17:24,000]生活上全家都很緊張

[0:17:24,000 – 0:17:29,000]這就是造成全家一地雞毛的元兇

[0:17:30,000 – 0:17:32,000]所以當你瞭解我們

[0:17:32,000 – 0:17:35,000]價值十億元的投資講座之後

[0:17:35,000 – 0:17:38,000]你對未來有希望

[0:17:38,000 – 0:17:41,000]知道未來會非常有錢

[0:17:41,000 – 0:17:44,000]你現在花點錢又合法

[0:17:44,000 – 0:17:46,000]所以你就不會那麼緊張

[0:17:46,000 – 0:17:49,000]只要你不要去買房子就好

[0:17:50,000 – 0:17:53,000]所以勞工在非常緊張

[0:17:53,000 – 0:17:55,000]壓力非常大的日子

[0:17:55,000 – 0:17:56,000]日復一日

[0:17:56,000 – 0:17:59,000]其實到了工作三四十年後

[0:17:59,000 – 0:18:02,000]其實也沒有財富也沒存錢

[0:18:03,000 – 0:18:07,000]最後如果沒搞到家破人亡

[0:18:07,000 – 0:18:10,000]已經是勞工最佳的命運了

[0:18:10,000 – 0:18:12,000]所以等到三四十年

[0:18:12,000 – 0:18:14,000]工作完退休之後

[0:18:14,000 – 0:18:16,000]壽命可能也剩不到十年

[0:18:16,000 – 0:18:20,000]因為你過去的生活就是一種毒素

[0:18:21,000 – 0:18:24,000]那你要過這樣子的生活嗎

[0:18:24,000 – 0:18:27,000]你要過三四十年有毒的生活嗎

[0:18:27,000 – 0:18:29,000]當然不要啊

[0:18:29,000 – 0:18:31,000]所以我在這裡跟你們講

[0:18:32,000 – 0:18:34,000]富有是天賦

[0:18:34,000 – 0:18:35,000]你要聽懂

[0:18:35,000 – 0:18:37,000]我投資四十幾年

[0:18:37,000 – 0:18:39,000]退休二十二年

[0:18:40,000 – 0:18:42,000]我什麼事都不用做

[0:18:43,000 – 0:18:45,000]我就更有錢

[0:18:45,000 – 0:18:47,000]那這是什麼方式

[0:18:49,000 – 0:18:51,000]不會有人跟你講

[0:18:51,000 – 0:18:57,000]可是我願意花二三十年免費教大家投資

[0:18:57,000 – 0:18:59,000]你多少也聽一下

[0:19:00,000 – 0:19:02,000]所以你如果是勞工

[0:19:02,000 – 0:19:05,000]這不是像一頭水牛的一生嗎

[0:19:05,000 – 0:19:08,000]而且水牛有時候休耕的時候

[0:19:08,000 – 0:19:13,000]一年也有兩三個月不用上班了

[0:19:13,000 – 0:19:14,000]那你呢

[0:19:14,000 – 0:19:16,000]你還得三四十年

[0:19:19,000 – 0:19:21,000]每個禮拜七天

[0:19:21,000 – 0:19:26,000]每天十六小時的上班

[0:19:26,000 – 0:19:29,000]水牛還有寒暑假

[0:19:29,000 – 0:19:32,000]所以你這個勞工連水牛都不如

[0:19:33,000 – 0:19:37,000]所以不管你是在護國神山

[0:19:37,000 – 0:19:38,000]還是護國羣山

[0:19:38,000 – 0:19:40,000]還是其他的7-11

[0:19:40,000 – 0:19:42,000]或者是其他在高階的工作

[0:19:42,000 – 0:19:44,000]不管是律師

[0:19:44,000 – 0:19:45,000]會計師

[0:19:45,000 – 0:19:47,000]不管你是律師或什麼師

[0:19:47,000 – 0:19:49,000]都一樣都是勞工

[0:19:51,000 – 0:19:53,000]你就算做到總經理

[0:19:53,000 – 0:19:54,000]假設你不會投資

[0:19:54,000 – 0:19:56,000]你也是勞工

[0:19:56,000 – 0:19:58,000]所以記得

[0:19:58,000 – 0:20:01,000] 99.999%的人都是勞工

[0:20:02,000 – 0:20:04,000]不是說勞工不好

[0:20:05,000 – 0:20:07,000]勞工是要能夠服務人羣

[0:20:07,000 – 0:20:11,000]而不避諱五鬥米折腰纔是勞工

[0:20:11,000 – 0:20:14,000]那你如果不用五鬥米折腰

[0:20:14,000 – 0:20:15,000]不是我講錯了

[0:20:15,000 – 0:20:18,000]不為五鬥米折腰纔是資本家

[0:20:18,000 – 0:20:20,000]你如果為了錢工作的

[0:20:20,000 – 0:20:22,000]全部都是勞工

[0:20:22,000 – 0:20:23,000]都是勞工

[0:20:25,000 – 0:20:30,000]資本家的家庭跟傳統的教育

[0:20:30,000 – 0:20:33,000]就是讀書是一個興趣

[0:20:33,000 – 0:20:34,000]你要學樂器

[0:20:34,000 – 0:20:36,000]你要學畫畫都可以

[0:20:36,000 – 0:20:38,000]那隻要你有興趣

[0:20:38,000 – 0:20:40,000]錢不是問題

[0:20:42,000 – 0:20:44,000]讀書看書是休閒

[0:20:45,000 – 0:20:48,000]我們真正資本家的家庭教育

[0:20:48,000 – 0:20:50,000]服務社會

[0:20:51,000 – 0:20:53,000]纔是人生的目的

[0:20:54,000 – 0:20:58,000]這是資本家最基本的觀念

[0:21:00,000 – 0:21:01,000]再來資本家的生活

[0:21:01,000 – 0:21:04,000]就是早上睡到自然醒

[0:21:04,000 – 0:21:07,000]找個健康的早餐

[0:21:08,000 – 0:21:10,000]快樂的休閒

[0:21:10,000 – 0:21:12,000]輕鬆的生活

[0:21:12,000 – 0:21:14,000]這就是資本家

[0:21:14,000 – 0:21:17,000]我二十幾年來退休

[0:21:17,000 – 0:21:19,000]就是這樣過的

[0:21:19,000 – 0:21:21,000]天天睡到自然醒

[0:21:22,000 – 0:21:25,000]數錢數到手抽筋

[0:21:26,000 – 0:21:27,000]你要喫什麼

[0:21:27,000 – 0:21:29,000]你可以不用做事

[0:21:29,000 – 0:21:32,000]好好喝杯咖啡

[0:21:32,000 – 0:21:34,000]好好跟配偶聊天

[0:21:34,000 – 0:21:36,000]好好跟子女相處

[0:21:36,000 – 0:21:38,000]好好陪爸爸媽媽喫飯

[0:21:38,000 – 0:21:40,000]好好帶家人出去旅遊

[0:21:40,000 – 0:21:42,000]這就是資本家

[0:21:42,000 – 0:21:44,000]生活慢慢來

[0:21:44,000 – 0:21:46,000]一天可以只做一件事

[0:21:46,000 – 0:21:49,000]有時候我有兩件事需要做

[0:21:49,000 – 0:21:50,000]我就說

[0:21:50,000 – 0:21:52,000]那今天就辦幾件就好了

[0:21:52,000 – 0:21:54,000]因為留個一件事

[0:21:54,000 – 0:21:56,000]明天再辦就可以了

[0:21:56,000 – 0:21:57,000]所以我很享受

[0:21:57,000 – 0:22:00,000]沒有事可以做的時光

[0:22:00,000 – 0:22:02,000]很好

[0:22:02,000 – 0:22:04,000]所以可以陪陪配偶

[0:22:04,000 – 0:22:05,000]喝喝咖啡

[0:22:05,000 – 0:22:06,000]陪陪子女

[0:22:06,000 – 0:22:08,000]談談子女的夢想

[0:22:08,000 – 0:22:10,000]陪陪父母聊聊天

[0:22:10,000 – 0:22:13,000]談談他們過去的歷史

[0:22:14,000 – 0:22:19,000]所以資本家的生命跟人生

[0:22:19,000 – 0:22:21,000]就是實現夢想

[0:22:21,000 – 0:22:23,000]增進人類全體之生活

[0:22:23,000 – 0:22:25,000]這就是資本家

[0:22:27,000 – 0:22:29,000]生活的重心

[0:22:30,000 – 0:22:31,000]好

[0:22:31,000 – 0:22:34,000]資本家的工作就是服務了

[0:22:34,000 – 0:22:36,000]不是為了錢

[0:22:36,000 – 0:22:38,000]不會用勞力跟時間去換錢

[0:22:38,000 – 0:22:40,000]就是資本家

[0:22:40,000 – 0:22:42,000]因為錢實在會多到用不完

[0:22:43,000 – 0:22:46,000]其實也賺不了多少錢

[0:22:46,000 – 0:22:48,000]你如果用勞力跟時間

[0:22:48,000 – 0:22:50,000]你也賺不了多少錢

[0:22:51,000 – 0:22:54,000]我這一輩子的財富應該

[0:22:54,000 – 0:22:58,000]薪水那部分應該是零頭而已

[0:22:58,000 – 0:23:01,000]就像巴菲特50歲以前

[0:23:01,000 – 0:23:04,000]只有佔他資產的1%

[0:23:04,000 – 0:23:09,000]他99%的資產都是之後賺的

[0:23:11,000 – 0:23:13,000]你只有不用勞力賺錢

[0:23:13,000 – 0:23:15,000]無需花時間賺錢

[0:23:15,000 – 0:23:17,000]纔是真正富有的資本家

[0:23:17,000 – 0:23:19,000]所以要告訴大家

[0:23:19,000 – 0:23:21,000]富有是天賦

[0:23:21,000 – 0:23:24,000]是資本主義給我們最佳的禮物

[0:23:24,000 – 0:23:26,000]這是資本主義制度裡麵

[0:23:26,000 – 0:23:28,000]就擺在眼前

[0:23:28,000 – 0:23:29,000]公平公正公開

[0:23:29,000 – 0:23:32,000]每個人都可以取得的禮物

[0:23:32,000 – 0:23:34,000]可是大家都不懂

[0:23:36,000 – 0:23:38,000]我們傳統的將綱文化

[0:23:38,000 – 0:23:40,000]就是要好好念書

[0:23:40,000 – 0:23:41,000]好好上大學

[0:23:41,000 – 0:23:43,000]好好博士畢業

[0:23:43,000 – 0:23:45,000]好好找個臺積電

[0:23:46,000 – 0:23:49,000]好好找個護國羣山工作

[0:23:49,000 – 0:23:52,000]好好工作領薪水過一輩子

[0:23:53,000 – 0:23:55,000]這個是不錯

[0:23:55,000 – 0:23:59,000]可是不是資本主義最佳解方案

[0:24:00,000 – 0:24:01,000]富有是天賦

[0:24:01,000 – 0:24:04,000]絕對不是去上班工作

[0:24:04,000 – 0:24:06,000]你如果只是上班工作

[0:24:06,000 – 0:24:10,000]你只賺得你這輩子的1%的資產

[0:24:11,000 – 0:24:15,000]真正99%都是投資做資本家賺來的

[0:24:16,000 – 0:24:18,000]而且每個人都可以

[0:24:18,000 – 0:24:20,000]所以我今天要告訴你

[0:24:20,000 – 0:24:22,000]就是每個人都可以

[0:24:23,000 – 0:24:26,000]這是已經設計好的制度

[0:24:27,000 – 0:24:28,000]富有就是天賦

[0:24:28,000 – 0:24:30,000]所以你只要學會

[0:24:30,000 – 0:24:32,000]而且不用花腦筋

[0:24:33,000 – 0:24:35,000]就這樣做了就好了

[0:24:35,000 – 0:24:38,000]這堂課我要告訴是

[0:24:38,000 – 0:24:42,000]告知如何成為富有的資本家

[0:24:42,000 – 0:24:43,000]只要你願意

[0:24:43,000 – 0:24:45,000]每個人都可以富有

[0:24:46,000 – 0:24:50,000]資本家就是可以自由生活

[0:24:50,000 – 0:24:52,000]贖回自己的靈魂

[0:24:53,000 – 0:24:55,000]完成人生的使命

[0:24:55,000 – 0:24:58,000]錢只是完成使命的工具

[0:24:58,000 – 0:25:01,000]所以資本家的錢是花不完

[0:25:01,000 – 0:25:04,000]資本家在花錢不用考慮錢

[0:25:04,000 – 0:25:06,000]帶全家去玩

[0:25:06,000 – 0:25:09,000]喜歡的飯店就給他訂了

[0:25:10,000 – 0:25:12,000]喜歡住幾天就住幾天

[0:25:12,000 – 0:25:13,000]這就是資本家

[0:25:15,000 – 0:25:18,000]錢只是完成使命的工具

[0:25:18,000 – 0:25:19,000]方向正確

[0:25:19,000 – 0:25:22,000]富有成功只是早晚的事

[0:25:23,000 – 0:25:24,000]你方向錯誤

[0:25:24,000 – 0:25:25,000]你努力錯誤

[0:25:25,000 – 0:25:27,000]比如說你一直做勞工

[0:25:27,000 – 0:25:28,000]你做死做活

[0:25:28,000 – 0:25:29,000]做到一百歲

[0:25:29,000 – 0:25:31,000]你也不可能富有

[0:25:31,000 – 0:25:33,000]這條路既然不可能富有

[0:25:33,000 – 0:25:36,000]你為什麼那麼執著於做勞工呢

[0:25:37,000 – 0:25:40,000]所以我們就是要教大家

[0:25:40,000 – 0:25:42,000]富有這一件事情

[0:25:43,000 – 0:25:45,000]這個一輩子也沒有人教你

[0:25:45,000 – 0:25:48,000]這就是資本主義最大的陷阱

[0:25:49,000 – 0:25:51,000]整個資本主義社會

[0:25:51,000 – 0:25:53,000]就是一個楚門世界

[0:25:54,000 – 0:25:57,000]就是養了一羣勞工

[0:25:58,000 – 0:26:02,000]當初學校是從德國出來

[0:26:02,000 – 0:26:03,000]從英國出來

[0:26:04,000 – 0:26:06,000]那時候為什麼有學校這件事情

[0:26:07,000 – 0:26:08,000]因為工業革命之後

[0:26:08,000 – 0:26:10,000]蒸汽機發達之後

[0:26:10,000 – 0:26:12,000]工廠出來之後

[0:26:12,000 – 0:26:13,000]流水線出來之後

[0:26:13,000 – 0:26:16,000]資本主義資本家發現

[0:26:16,000 – 0:26:20,000]這個勞工怎麼馴服這些勞工

[0:26:21,000 – 0:26:22,000]所以就開辦了學校

[0:26:22,000 – 0:26:25,000]讓他們能夠準時上課

[0:26:25,000 – 0:26:26,000]準時下課

[0:26:26,000 – 0:26:27,000]準時喫飯

[0:26:28,000 – 0:26:29,000]這樣子的培養

[0:26:29,000 – 0:26:31,000]最後進了工廠

[0:26:31,000 – 0:26:33,000]就會聽命於工廠

[0:26:33,000 – 0:26:34,000]準時上班

[0:26:34,000 – 0:26:35,000]準時休息

[0:26:35,000 – 0:26:37,000]準時喫飯

[0:26:37,000 – 0:26:38,000]準時下班

[0:26:39,000 – 0:26:41,000]慢慢的就得叫他加班

[0:26:41,000 – 0:26:43,000]慢慢的就得叫他加班

[0:26:43,000 – 0:26:44,000]他就加班

[0:26:44,000 – 0:26:48,000]那這個都是學校培養出來的勞工教育

[0:26:48,000 – 0:26:52,000]資本家的一生的幸福快樂富足

[0:26:52,000 – 0:26:53,000]不是這樣子的

[0:26:55,000 – 0:27:02,000]所以資本家是要擺脫勞工思維

[0:27:02,000 – 0:27:06,000]擺脫學校給你教育的思維

[0:27:08,000 – 0:27:09,000]你進學校

[0:27:09,000 – 0:27:10,000]你念大學

[0:27:10,000 – 0:27:11,000]你念博士

[0:27:11,000 – 0:27:13,000]不是為了錢

[0:27:13,000 – 0:27:15,000]不是為了找好工作

[0:27:16,000 – 0:27:19,000]而是為了增進人類全體之生活

[0:27:24,000 – 0:27:29,000]昨天聽了尼采的書

[0:27:30,000 – 0:27:31,000]其中講一個

[0:27:31,000 – 0:27:32,000]所有的學校

[0:27:32,000 – 0:27:34,000]所有的專家

[0:27:34,000 – 0:27:36,000]都在象牙塔裡麵

[0:27:37,000 – 0:27:41,000]完全沒有在創造人類全體之生活

[0:27:42,000 – 0:27:45,000]如何從你的知識研究

[0:27:45,000 – 0:27:48,000]能夠創造全體人類之生活

[0:27:48,000 – 0:27:50,000]這纔是目的

[0:27:52,000 – 0:27:54,000]像美國這些企業家

[0:27:54,000 – 0:27:57,000]從Steve Jobs

[0:27:57,000 – 0:27:59,000] Elon Musk

[0:28:01,000 – 0:28:03,000]這些創新者

[0:28:03,000 – 0:28:06,000]其實他們學校

[0:28:07,000 – 0:28:09,000]給他們的教育不是重點

[0:28:09,000 – 0:28:15,000]重點是他們都有創新服務人羣

[0:28:15,000 – 0:28:16,000]把事情做好

[0:28:16,000 – 0:28:20,000]解決人類的困難的使命

[0:28:21,000 – 0:28:24,000]這纔是除了資本家以外

[0:28:24,000 – 0:28:25,000]人類

[0:28:25,000 – 0:28:29,000]增進人類全體之生活最大的意義

[0:28:30,000 – 0:28:33,000]當初他們這些創新的人

[0:28:33,000 – 0:28:36,000]絕對不是為了錢

[0:28:36,000 – 0:28:38,000] Steve Jobs

[0:28:38,000 – 0:28:40,000] Elon Musk

[0:28:40,000 – 0:28:42,000] Bill Gates

[0:28:42,000 – 0:28:46,000]他們覺得可以解決一些事情

[0:28:46,000 – 0:28:48,000]增進人類全體之生活

[0:28:48,000 – 0:28:50,000]所以他們不是勞工

[0:28:50,000 – 0:28:52,000]雖然他們不是資本家

[0:28:53,000 – 0:28:58,000]可是他們做到了生活之目的

[0:28:59,000 – 0:29:03,000]所以資本家可以讓金錢自動努力工作

[0:29:03,000 – 0:29:08,000]那資本家跟創業者有什麼不一樣

[0:29:09,000 – 0:29:12,000]我們資本家就是投資創業者

[0:29:12,000 – 0:29:16,000]讓創業者的夢想成真

[0:29:16,000 – 0:29:18,000]所以我們資本家

[0:29:18,000 – 0:29:21,000]甚至比所有的勞工貢獻更大

[0:29:22,000 – 0:29:24,000]因為如果沒有資本家

[0:29:24,000 – 0:29:28,000]沒辦法支持Elon的電動車

[0:29:28,000 – 0:29:30,000]沒有資本家

[0:29:31,000 – 0:29:35,000] Bill Gates就拿不到資金

[0:29:35,000 – 0:29:36,000]沒有資本家

[0:29:36,000 – 0:29:39,000] Steve Jobs的Apple也做不成

[0:29:40,000 – 0:29:44,000]所以我們資本家是直接

[0:29:44,000 – 0:29:46,000]用我們的真金白銀

[0:29:46,000 – 0:29:49,000]增進人類全體之生活

[0:29:49,000 – 0:29:52,000]所以資本家是值得被尊敬的

[0:29:53,000 – 0:29:55,000]雖然我們自己不用工作

[0:29:55,000 – 0:29:58,000]可是我們用自己的真金白銀

[0:29:58,000 – 0:30:00,000]創造人類全體之生活

[0:30:01,000 – 0:30:04,000]這纔是值得富有

[0:30:04,000 – 0:30:06,000]自由資本家的人生

[0:30:07,000 – 0:30:09,000]快樂工作

[0:30:09,000 – 0:30:11,000]幸福生活

[0:30:12,000 – 0:30:15,000]我們資本家是快樂投資

[0:30:15,000 – 0:30:17,000]幸福生活

[0:30:17,000 – 0:30:19,000]所以大家一定要記得

[0:30:19,000 – 0:30:22,000]我們要做對世界最有貢獻的資本家

[0:30:23,000 – 0:30:25,000]我們用我們的真金白銀

[0:30:25,000 – 0:30:27,000]促進人類全體之生活

[0:30:28,000 – 0:30:31,000]一個值得的人生

[0:30:31,000 – 0:30:33,000]富有是天賦

[0:30:33,000 – 0:30:36,000]你要知道你有這個權利富有

[0:30:37,000 – 0:30:40,000]你會富有是有權利的

[0:30:40,000 – 0:30:42,000]不需要求別人

[0:30:42,000 – 0:30:44,000]你這一生一出生開始

[0:30:44,000 – 0:30:46,000]你就應該要富有的

[0:30:46,000 – 0:30:49,000]那你能不能富有

[0:30:49,000 – 0:30:51,000]這要被告知

[0:30:51,000 – 0:30:53,000]所以我們這個頻道

[0:30:53,000 – 0:30:55,000]就是要告知全天下的人

[0:30:55,000 – 0:30:58,000]你是可以在資本主義之下富有的

[0:30:59,000 – 0:31:02,000]我們就是要讓每個人都富有

[0:31:02,000 – 0:31:05,000]我們要消滅貧窮

[0:31:05,000 – 0:31:08,000]可是為什麼很多人就很奇怪

[0:31:08,000 – 0:31:11,000]我要告訴他我要讓你富有

[0:31:11,000 – 0:31:13,000]他認為我們是詐騙

[0:31:13,000 – 0:31:15,000]代表這些人

[0:31:15,000 – 0:31:19,000]對於富有這件事情有排斥的

[0:31:19,000 – 0:31:22,000]能夠在我們頻道留下來的

[0:31:22,000 – 0:31:27,000]真的是千萬分之一而已

[0:31:28,000 – 0:31:31,000]一千萬個人可能只有一兩個人

[0:31:31,000 – 0:31:32,000]能夠接受

[0:31:32,000 – 0:31:38,000]因為大部分人都被勞工教育愚弄

[0:31:39,000 – 0:31:44,000]所以我們的頻道是消除貧窮

[0:31:46,000 – 0:31:49,000]富有就是天賦人權一樣

[0:31:49,000 – 0:31:54,000]你一出生就應該有人權有言論自由

[0:31:54,000 – 0:31:56,000]那你一出生就應該富有的

[0:31:56,000 – 0:31:58,000]你可以富有的

[0:31:58,000 – 0:32:00,000]你如果被告知你不能富有

[0:32:00,000 – 0:32:03,000]那是你自己放棄這個權利

[0:32:03,000 – 0:32:05,000]快樂是人權

[0:32:05,000 – 0:32:09,000]我們除了要告訴大家你可以富有之外

[0:32:09,000 – 0:32:11,000]你可以快樂的

[0:32:11,000 – 0:32:14,000]在你的人際關係上

[0:32:14,000 – 0:32:15,000]在你的生活上

[0:32:15,000 – 0:32:16,000]在你的工作上

[0:32:16,000 – 0:32:19,000]只要不快樂的事你都可以拒絕

[0:32:19,000 – 0:32:22,000]我們活在世界上

[0:32:22,000 – 0:32:24,000]任何人事物跟關係

[0:32:24,000 – 0:32:27,000]最終都要感覺到快樂你纔去做

[0:32:27,000 – 0:32:31,000]你有權利拒絕任何人事物跟關係

[0:32:31,000 – 0:32:34,000]如果他不能讓你快樂

[0:32:36,000 – 0:32:41,000]什麼是你人生最重要的目標

[0:32:41,000 – 0:32:46,000]你能夠為人類做最大的貢獻是什麼

[0:32:46,000 – 0:32:51,000]很多人可能已經忘記自己小時候的夢想了

[0:32:51,000 – 0:32:54,000]但是如果你有一億美金

[0:32:54,000 – 0:32:55,000]你有十億美金

[0:32:55,000 – 0:32:59,000]你有三十億臺幣或一百億臺幣

[0:32:59,000 – 0:33:03,000]你的人生目標會不會有不一樣

[0:33:03,000 – 0:33:05,000]還是會一樣

[0:33:05,000 – 0:33:06,000]我跟大家講

[0:33:06,000 – 0:33:12,000]假設你有三十億臺幣或三百億臺幣或三千億臺幣

[0:33:12,000 – 0:33:16,000]你的人生目標不會改變

[0:33:16,000 – 0:33:20,000]那你就不值得富有了

[0:33:20,000 – 0:33:24,000]我們的課程除了教大家擁有超越一億元

[0:33:24,000 – 0:33:27,000]十億元的財富之外

[0:33:27,000 – 0:33:30,000]我們也要教育大家

[0:33:31,000 – 0:33:35,000]你的夢想是可以無限大

[0:33:35,000 – 0:33:38,000]只有你的夢想無限大

[0:33:38,000 – 0:33:41,000]你的財富纔可能無限大

[0:33:41,000 – 0:33:45,000]因為你要那麼多錢做什麼

[0:33:45,000 – 0:33:48,000]除非你真的有這個需要

[0:33:48,000 – 0:33:50,000]所以我常常講

[0:33:50,000 – 0:33:52,000]你夢有多大

[0:33:52,000 – 0:33:54,000]你的財富就有多少

[0:33:54,000 – 0:33:56,000]所以富有是天賦

[0:33:56,000 – 0:33:58,000]快樂是人權

[0:33:58,000 – 0:34:00,000]這個是我們這一堂課

[0:34:00,000 – 0:34:02,000]這一整堂整個系列

[0:34:02,000 – 0:34:05,000]不管是現在的十億元

[0:34:05,000 – 0:34:09,000]或者未來的一百億元或一萬億元的講座

[0:34:09,000 – 0:34:11,000]富有是天賦

[0:34:11,000 – 0:34:12,000]快樂是人權

[0:34:12,000 – 0:34:14,000]這是永遠不會改變的

[0:34:14,000 – 0:34:17,000]好

[0:34:17,000 – 0:34:21,000]我們來看看現在勞工的老鼠龍

[0:34:21,000 – 0:34:26,000]一開始上班就賣命的工作

[0:34:26,000 – 0:34:33,000]你會身體就有一堆病痛

[0:34:33,000 – 0:34:36,000]幫老闆賺錢

[0:34:36,000 – 0:34:40,000]用生命去換錢

[0:34:40,000 – 0:34:43,000]你賺了錢繳一堆稅金給國家

[0:34:43,000 – 0:34:47,000]你如果買房子還得繳房地產稅

[0:34:47,000 – 0:34:49,000]有的人還很笨的去買房子

[0:34:49,000 – 0:34:51,000]有的人還很笨的去買保險

[0:34:51,000 – 0:34:52,000]不要買保險

[0:34:52,000 – 0:34:53,000]不要買保險

[0:34:53,000 – 0:34:54,000]不要買保險

[0:34:54,000 – 0:34:56,000]重要的是繳三遍

[0:34:56,000 – 0:34:58,000]任何保險都不要買

[0:34:58,000 – 0:35:03,000]什麼儲蓄險、年金、癌症險、長照險

[0:35:03,000 – 0:35:04,000]什麼險都不要

[0:35:04,000 – 0:35:06,000]你有錢最保險

[0:35:06,000 – 0:35:07,000]懂嗎

[0:35:07,000 – 0:35:10,000]你現在買了一堆保險就會變窮

[0:35:10,000 – 0:35:12,000]我只有看到買一堆保險的窮人

[0:35:12,000 – 0:35:18,000]我沒有看到買一堆保險的富有的人

[0:35:18,000 – 0:35:20,000]賺錢給銀行

[0:35:20,000 – 0:35:21,000]要去繳貸款

[0:35:21,000 – 0:35:23,000]繳稅金

[0:35:23,000 – 0:35:25,000]買大房子、買大車子

[0:35:25,000 – 0:35:27,000]買保險、享受物質

[0:35:27,000 – 0:35:29,000]這些都會讓你變窮

[0:35:33,000 – 0:35:37,000]最後你只能可憐的去乞討老闆給你加薪

[0:35:37,000 – 0:35:43,000]這個都是一般勞工的老鼠籠

[0:35:43,000 – 0:35:45,000]不願意去上班

[0:35:45,000 – 0:35:47,000]可是又得努力上班

[0:35:47,000 – 0:35:51,000]因為要繳稅、要繳貸款

[0:35:51,000 – 0:35:54,000]要繳車貸、要買新車

[0:35:54,000 – 0:35:56,000]要過更好的日子

[0:35:56,000 – 0:35:58,000]買了一堆垃圾

[0:35:58,000 – 0:36:00,000]丟在倉庫

[0:36:00,000 – 0:36:04,000]再去祈求公司給你加薪

[0:36:04,000 – 0:36:06,000]接受更大的壓力

[0:36:06,000 – 0:36:08,000]最後身體一堆病

[0:36:08,000 – 0:36:10,000]這就是勞工

[0:36:12,000 – 0:36:15,000]你能不能很早的就退休

[0:36:15,000 – 0:36:16,000]像我一樣

[0:36:16,000 – 0:36:18,000]什麼事都不用做

[0:36:18,000 – 0:36:20,000]資產就越來越多

[0:36:20,000 – 0:36:29,000]你要學會這套資本主義、資本家的正常、正確的道理

[0:36:29,000 – 0:36:34,000]所以一般人都在這個循環裡麵永遠繞不完

[0:36:34,000 – 0:36:36,000]繞到最後就身體一堆病痛

[0:36:36,000 – 0:36:39,000]退休剩下不到十年的壽命

[0:36:39,000 – 0:36:40,000]就人走了

[0:36:40,000 – 0:36:43,000]這樣的人生跟水牛差不多

[0:36:43,000 – 0:36:46,000]可能不如水牛、不如一頭牛

[0:36:46,000 – 0:36:49,000]所以我們要跳脫這個老鼠籠

[0:36:49,000 – 0:36:51,000]你要致富的鑰匙

[0:36:51,000 – 0:36:54,000]這裡就是告訴你致富的鑰匙

[0:36:54,000 – 0:36:57,000]你當然一開始可能不是富二代

[0:36:57,000 – 0:36:59,000]那你如果是富二代

[0:36:59,000 – 0:37:01,000]可能連工作都不用了

[0:37:01,000 – 0:37:04,000]不工作是以不工作為榮

[0:37:04,000 – 0:37:06,000]懂嗎?不要以工作為榮

[0:37:09,000 – 0:37:12,000]那你要超越老鼠籠的開始

[0:37:12,000 – 0:37:15,000]你就得省錢或者存錢

[0:37:15,000 – 0:37:21,000]那你有了錢你纔有辦法投資金錢能量的增長

[0:37:23,000 – 0:37:29,000]金錢能量的增長跟精神能量的增長是相輔相成的

[0:37:29,000 – 0:37:32,000]所以如果你沒有上我們這堂課

[0:37:32,000 – 0:37:35,000]你沒有能量你怎麼可能賺錢

[0:37:36,000 – 0:37:39,000]精神能量是我們這堂課要給你的

[0:37:39,000 – 0:37:41,000]你有了這個精神能量

[0:37:41,000 – 0:37:45,000]你纔有辦法持有多的金錢能量

[0:37:46,000 – 0:37:49,000]不然的話你沒有精神能量

[0:37:49,000 – 0:37:52,000]錢再多你還是最後會失去

[0:37:53,000 – 0:37:58,000]這個就是中樂透的人最後會貧窮的原因

[0:37:58,000 – 0:38:03,000]還有人雖然薪水很高最後也是貧窮

[0:38:03,000 – 0:38:05,000]還有很多師

[0:38:05,000 – 0:38:07,000]不管是會計師、律師

[0:38:07,000 – 0:38:09,000]什麼師

[0:38:09,000 – 0:38:11,000]雖然薪水很高

[0:38:11,000 – 0:38:16,000]有些綜藝節目的主持人雖然薪水很高

[0:38:16,000 – 0:38:18,000]可是他們能量不足的時候

[0:38:18,000 – 0:38:20,000]不知道做資本家

[0:38:20,000 – 0:38:27,000]最後也是百病纏身窮困潦倒

[0:38:29,000 – 0:38:33,000]無法過一個人的生活

[0:38:34,000 – 0:38:39,000]就只能跟動物一樣生活

[0:38:40,000 – 0:38:45,000]所以我們人是要過一個值得的人生

[0:38:46,000 – 0:38:49,000] OK,所以你精神能量要夠多

[0:38:49,000 – 0:38:52,000]你開始賺錢你要提升精神能量

[0:38:52,000 – 0:38:54,000]要學習

[0:38:54,000 – 0:38:59,000]所以我建議大家最好的學習就是多看書

[0:38:59,000 – 0:39:00,000]多看書

[0:39:00,000 – 0:39:03,000]我所有的所講出來的話

[0:39:03,000 – 0:39:08,000]雖然是我自己創造出來的原汁原味

[0:39:08,000 – 0:39:11,000]絕對你在外麵任何書你都找不到

[0:39:11,000 – 0:39:15,000]可是我這些內容的內化

[0:39:15,000 – 0:39:17,000]這種湧現出來的知識

[0:39:17,000 – 0:39:21,000]雖然不是書籍所寫的

[0:39:21,000 – 0:39:27,000]可是一定是我有很多輸入的資料庫之後

[0:39:28,000 – 0:39:33,000]產生出來的湧現的思維

[0:39:33,000 – 0:39:35,000]一樣跟AI一樣

[0:39:35,000 – 0:39:37,000] AI就是為了一堆知識之後

[0:39:37,000 – 0:39:41,000] AI會自己湧現出不存在的東西

[0:39:41,000 – 0:39:44,000]那這就是精神能量

[0:39:44,000 – 0:39:46,000]所以建議大家多看書

[0:39:46,000 – 0:39:48,000]多看書

[0:39:49,000 – 0:39:52,000]心情平和

[0:39:52,000 – 0:39:54,000]不受市場的幹擾

[0:39:54,000 – 0:39:56,000]你纔能夠投資成功

[0:39:57,000 – 0:40:01,000]那你要過著簡約的生活

[0:40:01,000 – 0:40:03,000]我不是說你不要花錢

[0:40:03,000 – 0:40:07,000]其實所謂簡約生活就像巴菲特一樣

[0:40:07,000 – 0:40:10,000]人家說巴菲特你這麼省做什麼

[0:40:10,000 – 0:40:12,000]巴菲特說你告訴我

[0:40:12,000 – 0:40:14,000]我有需要什麼

[0:40:14,000 – 0:40:15,000]我現在就去買

[0:40:15,000 – 0:40:17,000]我下午就去買

[0:40:17,000 – 0:40:20,000]問題是他沒有覺得他需要啊

[0:40:20,000 – 0:40:23,000]今天你如果覺得需要帶全家去旅行

[0:40:23,000 – 0:40:26,000]你就花錢帶全家去旅行

[0:40:26,000 – 0:40:28,000]你覺得你要買一個東西

[0:40:28,000 – 0:40:31,000]那你就去買一個東西

[0:40:31,000 – 0:40:33,000]那你如果沒有什麼需要

[0:40:33,000 – 0:40:36,000]因為我們現在幾乎生活

[0:40:36,000 – 0:40:37,000]你買了一個東西

[0:40:37,000 – 0:40:39,000]你要想想看過幾年之後

[0:40:39,000 – 0:40:43,000]這個東西還會有用嗎

[0:40:43,000 – 0:40:46,000]其實我也發現我買的東西

[0:40:46,000 – 0:40:50,000]很多東西用一用之後就沒有用了

[0:40:51,000 – 0:40:54,000]當初覺得很有用的

[0:40:54,000 – 0:40:56,000]之後也沒用了

[0:40:56,000 – 0:40:58,000]就像很多人我相信

[0:40:58,000 – 0:40:59,000]我是沒有

[0:40:59,000 – 0:41:03,000]很多人我記得那時候臺灣的

[0:41:03,000 – 0:41:06,000]自動製麵包機很發達

[0:41:06,000 – 0:41:09,000]所以很多人家裡都會買那個

[0:41:09,000 – 0:41:13,000]自動麵包製作的機器

[0:41:13,000 – 0:41:16,000]一開始還會製作完給我喫

[0:41:16,000 – 0:41:17,000]還會送給我們

[0:41:17,000 – 0:41:23,000]慢慢的半年後就沒有人再做麵包了

[0:41:23,000 – 0:41:26,000]我不知道那個機器現在是放在倉庫還是

[0:41:26,000 – 0:41:28,000]一樣的像我的話

[0:41:28,000 – 0:41:29,000]我也是一樣

[0:41:29,000 – 0:41:33,000]我之前買了一個espresso的機器

[0:41:33,000 – 0:41:36,000]當然也不是很貴了

[0:41:36,000 – 0:41:38,000]就是可以用

[0:41:38,000 – 0:41:41,000]那現在我用手沖咖啡

[0:41:41,000 – 0:41:45,000]我覺得手沖咖啡更好

[0:41:45,000 – 0:41:47,000]結果我那個espresso機器

[0:41:47,000 – 0:41:51,000]就被他recycle了丟掉了

[0:41:51,000 – 0:41:55,000]那之前我就買了一個juicer

[0:41:55,000 – 0:41:57,000]就是榨果汁機的

[0:41:57,000 – 0:41:59,000]那也喝了三個月

[0:41:59,000 – 0:42:02,000]後來發現榨果汁機對血糖不好

[0:42:02,000 – 0:42:04,000]結果那臺機器也就浪費

[0:42:04,000 – 0:42:07,000]現在擺在那邊很佔空間

[0:42:07,000 – 0:42:10,000]所以我們就發現

[0:42:10,000 – 0:42:11,000]什麼是需要

[0:42:11,000 – 0:42:13,000]還有很多東西

[0:42:13,000 – 0:42:15,000]百分之我想一半以上的東西買了

[0:42:15,000 – 0:42:18,000]最後都沒有用

[0:42:18,000 – 0:42:20,000]所以所謂的簡約生活

[0:42:20,000 – 0:42:23,000]不是說你很省

[0:42:23,000 – 0:42:24,000]不是

[0:42:24,000 – 0:42:27,000]是你要想一想這個東西買了之後

[0:42:27,000 – 0:42:29,000]半年之後會變什麼樣子

[0:42:29,000 – 0:42:32,000]還有你想想看你過去所買的東西

[0:42:32,000 – 0:42:34,000]當初說很需要

[0:42:34,000 – 0:42:38,000]結果現在不是躺在垃圾堆裡嗎

[0:42:38,000 – 0:42:41,000]所以這個就是所謂簡約生活

[0:42:41,000 – 0:42:46,000]不是叫你做一個節儉的節省的人

[0:42:46,000 – 0:42:47,000]不是

[0:42:47,000 – 0:42:49,000]所以我後來就發現

[0:42:49,000 – 0:42:51,000]好好去喫頓飯

[0:42:51,000 – 0:42:52,000]好好去旅行

[0:42:52,000 – 0:42:54,000]那個絕對不會後悔

[0:42:54,000 – 0:42:57,000]可是你如果買一個東西

[0:42:57,000 – 0:42:58,000]搬進家裡

[0:42:58,000 – 0:43:00,000]電器

[0:43:00,000 – 0:43:03,000]什麼東西要在家裡用

[0:43:03,000 – 0:43:07,000]通常物質的東西最後都垃圾

[0:43:08,000 – 0:43:11,000]只有精神的東西的花費

[0:43:11,000 – 0:43:13,000]不會不見

[0:43:13,000 – 0:43:16,000]好好跟家裡的人喫頓美食

[0:43:16,000 – 0:43:19,000]花兩百美金

[0:43:19,000 – 0:43:21,000]喫頓飯

[0:43:21,000 – 0:43:23,000]那個都不會浪費

[0:43:23,000 – 0:43:25,000]因為喫完就沒了

[0:43:25,000 – 0:43:26,000]不會有結餘

[0:43:26,000 – 0:43:27,000]不會有垃圾

[0:43:27,000 – 0:43:31,000]不會說過一段時間食物壞了

[0:43:31,000 – 0:43:33,000]不會

[0:43:33,000 – 0:43:35,000]可是你如果買一個很好的料理機

[0:43:35,000 – 0:43:37,000]買一個什麼咖啡機

[0:43:37,000 – 0:43:38,000]買一個什麼

[0:43:38,000 – 0:43:40,000]過一段時間你又不想用了

[0:43:40,000 – 0:43:42,000]又換一個方式

[0:43:42,000 – 0:43:44,000]那種什麼機什麼機的

[0:43:44,000 – 0:43:47,000]最後都沒有用

[0:43:47,000 – 0:43:51,000]那個就是你要決定

[0:43:51,000 – 0:43:55,000]所以當你錢要花在旅遊

[0:43:55,000 – 0:43:57,000]花在全家的聚餐

[0:43:57,000 – 0:43:59,000]花在這個

[0:43:59,000 – 0:44:02,000]用了之後可以

[0:44:02,000 – 0:44:07,000]保留出記憶跟美好回憶的

[0:44:07,000 – 0:44:08,000]都值得去花

[0:44:08,000 – 0:44:14,000]所以這個叫做提升精神能量

[0:44:14,000 – 0:44:17,000]物質真的是買了

[0:44:17,000 – 0:44:18,000]你買個大電視

[0:44:18,000 – 0:44:20,000]像我家買了個大電視

[0:44:20,000 – 0:44:21,000] Sony那時候最大的電視

[0:44:21,000 – 0:44:23,000]現在也很少打開了

[0:44:23,000 – 0:44:27,000]所以任何有形的物質

[0:44:27,000 – 0:44:31,000]通常要考慮再三

[0:44:31,000 – 0:44:33,000]能夠不買就不要買

[0:44:33,000 – 0:44:35,000]但是你要去旅遊

[0:44:35,000 – 0:44:37,000]去坐郵輪

[0:44:37,000 – 0:44:39,000]去喫美食

[0:44:39,000 – 0:44:41,000]帶全家一起去喝個咖啡

[0:44:41,000 – 0:44:43,000]在全家去旅行

[0:44:43,000 – 0:44:45,000]這絕對值得

[0:44:45,000 – 0:44:48,000]因為過好幾年大家都會記得

[0:44:48,000 – 0:44:52,000]什麼時候去阿拉斯加的郵輪

[0:44:52,000 – 0:44:54,000]什麼時候去歐洲旅行過

[0:44:54,000 – 0:44:56,000]什麼時候去西班牙

[0:44:56,000 – 0:44:58,000]什麼時候去葡萄牙

[0:44:58,000 – 0:45:00,000]跟同學去

[0:45:00,000 – 0:45:02,000]跟家裡長輩去

[0:45:02,000 – 0:45:04,000]跟小孩子去

[0:45:04,000 – 0:45:05,000]小孩子都會記得

[0:45:05,000 – 0:45:07,000]什麼時候去歐洲

[0:45:07,000 – 0:45:14,000]可是過去買的所有的機器都不見了

[0:45:14,000 – 0:45:16,000]那這個大家都要了解

[0:45:16,000 – 0:45:18,000]什麼叫做提升精神能量

[0:45:18,000 – 0:45:19,000]什麼是物質

[0:45:19,000 – 0:45:20,000]什麼是精神

[0:45:20,000 – 0:45:21,000]消費

[0:45:21,000 – 0:45:23,000]這個要分點

[0:45:24,000 – 0:45:29,000]所以最後我們需要提升精神能量之後

[0:45:29,000 – 0:45:33,000]將金錢能量轉成精神能量

[0:45:33,000 – 0:45:35,000]再從精神能量去

[0:45:35,000 – 0:45:37,000]投資

[0:45:37,000 – 0:45:40,000]持有更多的金錢能量

[0:45:40,000 – 0:45:44,000]這個就是一個資本家致富的循環

[0:45:44,000 – 0:45:46,000]這個就是正的循環

[0:45:46,000 – 0:45:48,000]而不是老鼠路

[0:45:49,000 – 0:45:51,000]所以這兩個

[0:45:51,000 – 0:45:55,000]一個前麵那個循環是老鼠龍

[0:45:55,000 – 0:45:57,000]勞工的老鼠龍循環

[0:45:57,000 – 0:46:01,000]這個循環是資本家的循環

[0:46:02,000 – 0:46:04,000]所以

[0:46:04,000 – 0:46:07,000]懂富有與錢的意義

[0:46:07,000 – 0:46:09,000]這個一定要懂

[0:46:09,000 – 0:46:11,000]我們最終有幾百億

[0:46:11,000 – 0:46:12,000]幾千億

[0:46:12,000 – 0:46:14,000]幾萬億

[0:46:14,000 – 0:46:16,000]每年用個一億

[0:46:16,000 – 0:46:17,000]其實不為過

[0:46:17,000 – 0:46:19,000]一點都不奢侈

[0:46:19,000 – 0:46:21,000]只要你認為這花的值得

[0:46:21,000 – 0:46:24,000]最好是能夠花在精神上

[0:46:24,000 – 0:46:26,000]我們最終人離開

[0:46:26,000 – 0:46:29,000]錢只是繼承者的遺產

[0:46:29,000 – 0:46:30,000]對一個離開

[0:46:30,000 – 0:46:31,000]對你來說

[0:46:31,000 – 0:46:33,000]其實都是垃圾

[0:46:33,000 – 0:46:34,000]無關緊要

[0:46:34,000 – 0:46:35,000]所以

[0:46:35,000 – 0:46:37,000]你就算有幾百億

[0:46:37,000 – 0:46:38,000]幾萬億

[0:46:38,000 – 0:46:41,000]如果能夠在有生之年把它花掉

[0:46:41,000 – 0:46:43,000]其實是最棒的

[0:46:43,000 – 0:46:45,000]最後

[0:46:45,000 – 0:46:47,000]人在天堂

[0:46:47,000 – 0:46:48,000]債在銀行

[0:46:48,000 – 0:46:51,000]這是最佳最理想的狀態

[0:46:51,000 – 0:46:54,000]為何不是現在將垃圾換成親情

[0:46:54,000 – 0:46:56,000]為何不是將現在的垃圾

[0:46:56,000 – 0:47:00,000]換成你的人生精神能量

[0:47:00,000 – 0:47:03,000]所以我們要用錢

[0:47:03,000 – 0:47:05,000]去換親情

[0:47:05,000 – 0:47:08,000]去提升精神能量

[0:47:08,000 – 0:47:12,000]讓家裡的人過得更好

[0:47:12,000 – 0:47:14,000]自己做很好的學習

[0:47:14,000 – 0:47:17,000]這是金錢最大的意義

[0:47:17,000 – 0:47:20,000]而不是一直累積資產

[0:47:20,000 – 0:47:22,000]那以後我會教大家

[0:47:22,000 – 0:47:25,000]你不用花自己任何一毛錢資產

[0:47:25,000 – 0:47:30,000]你還是可以過著非常舒適的生活

[0:47:30,000 – 0:47:33,000]借錢就是資本主義最高級的

[0:47:33,000 – 0:47:37,000]最高段的金融操作

[0:47:37,000 – 0:47:39,000]你如果不懂得借錢

[0:47:39,000 – 0:47:41,000]你頂多就是有錢而已

[0:47:41,000 – 0:47:44,000]你不可能變富豪的

[0:47:44,000 – 0:47:45,000]就好像一個公司

[0:47:45,000 – 0:47:47,000]如果不向銀行借錢

[0:47:47,000 – 0:47:50,000]這個公司做不大是一樣的

[0:47:50,000 – 0:47:55,000]但那你有的錢就是要花

[0:47:55,000 – 0:47:57,000]那像我現在過的日子

[0:47:57,000 – 0:47:58,000]所有繳稅

[0:47:58,000 – 0:48:00,000]所有的生活費

[0:48:00,000 – 0:48:01,000]旅遊費

[0:48:01,000 – 0:48:02,000]什麼喫飯費

[0:48:02,000 – 0:48:03,000]什麼費

[0:48:03,000 – 0:48:04,000]我刷卡完

[0:48:04,000 – 0:48:07,000]我都是借錢去繳錢

[0:48:07,000 – 0:48:08,000]繳卡費

[0:48:08,000 – 0:48:09,000]我都借錢

[0:48:09,000 – 0:48:11,000]我的資產一毛錢都不花

[0:48:11,000 – 0:48:14,000]甚至我說我那個Apple Card

[0:48:14,000 – 0:48:15,000]蘋果的信用卡

[0:48:15,000 – 0:48:21,000]每個月給我退傭退三四百美金

[0:48:21,000 – 0:48:23,000]我一樣拿去投資

[0:48:23,000 – 0:48:24,000]我這退傭的錢

[0:48:24,000 – 0:48:26,000]就可以賺更多的錢

[0:48:26,000 – 0:48:28,000]最後我賺的錢

[0:48:28,000 – 0:48:31,000]我花的錢都不用錢

[0:48:31,000 – 0:48:35,000]我講過我花一百塊錢

[0:48:35,000 – 0:48:38,000]我拿到兩塊錢的退傭

[0:48:38,000 – 0:48:42,000]一百塊錢我借錢花

[0:48:42,000 – 0:48:45,000]最後我可能欠銀行一千五百塊

[0:48:45,000 – 0:48:47,000]可是我兩塊錢

[0:48:47,000 – 0:48:48,000]四十年後

[0:48:48,000 – 0:48:51,000]我可能可以有兩千塊三千塊

[0:48:51,000 – 0:48:53,000]等於我花這一百塊

[0:48:53,000 – 0:48:54,000]根本是不用錢

[0:48:54,000 – 0:48:58,000]這個以後我們慢慢再跟大家分享

[0:48:58,000 – 0:49:01,000]所以錢就是要花

[0:49:01,000 – 0:49:05,000]富有是天賦

[0:49:05,000 – 0:49:07,000]我們是很高興花錢的

[0:49:07,000 – 0:49:09,000]因為錢是垃圾

[0:49:09,000 – 0:49:11,000]我們要用錢來換取

[0:49:11,000 – 0:49:14,000]我們人生的精神能量的提升

[0:49:14,000 – 0:49:16,000]我們需要健康

[0:49:16,000 – 0:49:17,000]我們有親情

[0:49:17,000 – 0:49:19,000]我們有關係

[0:49:19,000 – 0:49:22,000]我們有致富的資產

[0:49:22,000 – 0:49:24,000]所以錢是垃圾

[0:49:24,000 – 0:49:28,000]那但是我們這一輩子不用去賺錢

[0:49:28,000 – 0:49:29,000]錢自然就來

[0:49:29,000 – 0:49:35,000]最後我們可以換得我們值得的人生

[0:49:35,000 – 0:49:37,000]好這是我們的頻道了

[0:49:37,000 – 0:49:43,000]那有你可以看我們的00451

[0:49:43,000 – 0:49:45,000]這是過去價值一元投資講座

[0:49:45,000 – 0:49:47,000]當然像現在開始

[0:49:47,000 – 0:49:52,000]我們會有2026年價值十億元的投資講座

[0:49:52,000 – 0:49:57,000]那下一堂課

[0:49:57,000 – 0:50:04,000]我先預告一下

[0:50:04,000 – 0:50:09,000]下一堂課我們就是要講指數基金

[0:50:09,000 – 0:50:13,000]那這個指數基金你可以看這個APP

[0:50:13,000 – 0:50:14,000]我跟大家講

[0:50:14,000 – 0:50:18,000]我這就用iPad的APP

[0:50:18,000 – 0:50:22,000]這個Yahoo的APP好像在電腦沒有

[0:50:22,000 – 0:50:25,000]電腦的那個用網頁不好用

[0:50:25,000 – 0:50:27,000]那我用iPad的APP

[0:50:27,000 – 0:50:29,000] iPad比較大了

[0:50:29,000 – 0:50:30,000]用手機太小了

[0:50:30,000 – 0:50:32,000]那這個QQQ

[0:50:32,000 – 0:50:34,000]你看QQQ

[0:50:34,000 – 0:50:39,000]那QQQ從最早

[0:50:39,000 – 0:50:44,000]它出來的時候最早是幾年

[0:50:44,000 – 0:50:49,000] 1999年3月1號

[0:50:49,000 – 0:50:53,000]那時候是50塊53塊

[0:50:53,000 – 0:50:54,000] 53塊

[0:50:54,000 – 0:50:57,000]現在672塊

[0:50:57,000 – 0:50:59,000]那

[0:51:05,000 – 0:51:10,000] 672除以53塊

[0:51:10,000 – 0:51:13,000]那漲12倍開根號

[0:51:13,000 – 0:51:16,000] 26年

[0:51:18,000 – 0:51:20,000]有10%這很標準

[0:51:20,000 – 0:51:22,000]所以這個回報率很標準

[0:51:22,000 – 0:51:24,000]所以大家知道

[0:51:24,000 – 0:51:29,000]雖然這個市場這樣子波動

[0:51:29,000 – 0:51:32,000]市場非常波動

[0:51:38,000 – 0:51:39,000]市場非常波動

[0:51:39,000 – 0:51:41,000]你看這個市場很危險

[0:51:41,000 – 0:51:44,000]這樣跌了85%

[0:51:44,000 – 0:51:50,000]這裡有2008年次債風暴又跌下去

[0:51:50,000 – 0:51:53,000]可是這個風險很大

[0:51:53,000 – 0:51:55,000]你可能從2000年

[0:51:56,000 – 0:51:58,000]一直到

[0:51:59,000 – 0:52:03,000] 2015年纔回本

[0:52:03,000 – 0:52:05,000]所以這就是投資長期的風險

[0:52:05,000 – 0:52:07,000]要有15年

[0:52:07,000 – 0:52:11,000] 15你可能會15年都處於虧損狀態

[0:52:11,000 – 0:52:14,000]尤其如果在高點退休的人

[0:52:14,000 – 0:52:15,000]你這個就有風險

[0:52:15,000 – 0:52:17,000]所以我們要跟大家講

[0:52:17,000 – 0:52:21,000]為什麼投資很簡單不容易

[0:52:21,000 – 0:52:24,000]有時候你會需要熬過這15年纔能夠回本

[0:52:24,000 – 0:52:26,000]那你如果在這裡退休

[0:52:26,000 – 0:52:30,000]又沒有像年輕人可以持續往下買進

[0:52:30,000 – 0:52:31,000]你這個風險

[0:52:31,000 – 0:52:34,000]所以要怎麼樣控制資產配置跟現金流

[0:52:34,000 – 0:52:35,000]能夠度過這個風險

[0:52:35,000 – 0:52:37,000]尤其退休的朋友

[0:52:37,000 – 0:52:40,000]這未來我們會教大家做好資產配置

[0:52:40,000 – 0:52:42,000]所以下一堂課

[0:52:42,000 – 0:52:44,000]我們就要跟大家講

[0:52:44,000 – 0:52:46,000]這指數基金的回報率

[0:52:46,000 – 0:52:47,000]指數基金的回報率

[0:52:47,000 – 0:52:49,000]那先預告一下

[0:52:49,000 – 0:52:50,000]好了

[0:52:50,000 – 0:52:56,000]那我想我們今天的第一堂課就先到這裡了

[0:52:58,000 – 0:53:02,000]那有興趣的可以看我們00451

[0:53:02,000 – 0:53:06,000]我們頻道這個播放清單

[0:53:06,000 – 0:53:10,000]我們頻道播放清單有很多節目

[0:53:14,000 – 0:53:16,000]我們頻道

[0:53:20,000 – 0:53:23,000]我看一下這個

[0:53:23,000 – 0:53:25,000]你到YouTube裡麵

[0:53:25,000 – 0:53:27,000]就是YouTube裡麵

[0:53:33,000 – 0:53:35,000]那

[0:53:38,000 – 0:53:41,000]你可以搜尋CLC投資理財頻道

[0:53:41,000 – 0:53:43,000]那這就是我們不要看上麵

[0:53:43,000 – 0:53:45,000]那是炸那個那個

[0:53:45,000 – 0:53:46,000]那這我們頻道

[0:53:46,000 – 0:53:48,000]然後我們頻道有播放清單

[0:53:48,000 – 0:53:51,000]那都裡麵有很多很多的播放清單

[0:53:51,000 – 0:53:56,000]那你可以看這個價值一元投資講座

[0:53:57,000 – 0:53:59,000]那也有

[0:54:01,000 – 0:54:03,000]短篇的

[0:54:03,000 – 0:54:04,000]有短篇的

[0:54:04,000 – 0:54:08,000]我看一下有一個價值一元投資講座

[0:54:08,000 – 0:54:11,000]就我把它拆成短篇的

[0:54:12,000 – 0:54:14,000]嗯

[0:54:17,000 – 0:54:18,000]在這裡麵

[0:54:18,000 – 0:54:20,000]這裡麵有

[0:54:20,000 – 0:54:22,000]有全部的

[0:54:27,000 – 0:54:29,000] Recording

[0:54:29,000 – 0:54:31,000]這裡有所有的

[0:54:31,000 – 0:54:33,000]有所有的

[0:54:34,000 – 0:54:36,000]今天的講課

[0:54:36,000 – 0:54:37,000]先看有所有的

[0:54:37,000 – 0:54:39,000]你們可以進去看

[0:54:41,000 – 0:54:43,000]好

[0:54:45,000 – 0:54:49,000]那今天的講義會在這個YouTube的連結

[0:54:49,000 – 0:54:50,000]有留言區有連結

[0:54:50,000 – 0:54:51,000]我就會放上去

[0:54:51,000 – 0:54:53,000]那在各平臺

[0:54:53,000 – 0:54:56,000]大家可以訂閱按讚留言

[0:54:56,000 – 0:54:58,000]還有你可以

[0:54:58,000 – 0:54:59,000]留下你

[0:54:59,000 – 0:55:01,000]最想知道的

[0:55:01,000 – 0:55:03,000]在我們這一堂課裡麵

[0:55:03,000 – 0:55:05,000]你最想知道的事情

[0:55:05,000 – 0:55:08,000]還有前麵這個資本家與勞工

[0:55:08,000 – 0:55:09,000]你有想要分享的事情

[0:55:09,000 – 0:55:10,000]你也可以寫下來

[0:55:10,000 – 0:55:12,000]那我以後可以把你們的資訊

[0:55:12,000 – 0:55:14,000]或者你們想知道的

[0:55:14,000 – 0:55:16,000]加到我們的

[0:55:16,000 – 0:55:17,000]課堂

[0:55:17,000 – 0:55:19,000]未來上課的內容

[0:55:19,000 – 0:55:23,000]那你如果對投資或者任何事情有問題

[0:55:23,000 – 0:55:24,000]你可以寫Email給我

[0:55:24,000 – 0:55:27,000]這兩個Email都是可以找到我

[0:55:27,000 – 0:55:28,000]聯絡到我

[0:55:28,000 – 0:55:30,000]也是我個人會

[0:55:30,000 – 0:55:32,000]會看的Email

[0:55:32,000 – 0:55:33,000]好

[0:55:33,000 – 0:55:37,000]那我想我們今天第一堂課

[0:55:37,000 – 0:55:40,000]價值10億元的投資講座的第一章節

[0:55:40,000 – 0:55:42,000]我們就先上到這裡了

[0:55:42,000 – 0:55:43,000]好

[0:55:43,000 – 0:55:45,000]那下禮拜我想同一時間

[0:55:45,000 – 0:55:48,000]我們現在應該是預估

[0:55:48,000 – 0:55:51,000]臺灣禮拜三早上

[0:55:51,000 – 0:55:58,000]美國禮拜二下午會發布價值10億元投資講座的課程

[0:55:58,000 – 0:55:59,000] OK

[0:55:59,000 – 0:56:00,000]好

[0:56:00,000 – 0:56:01,000]那下禮拜見

[0:56:01,000 – 0:56:02,000]那每個禮拜六

[0:56:02,000 – 0:56:05,000]我們還是clubhouse還是會繼續舉行

[0:56:05,000 – 0:56:09,000]那個就現場的對話跟直播

[0:56:09,000 – 0:56:10,000] OK

[0:56:10,000 – 0:56:11,000]好

[0:56:11,000 – 0:56:12,000]拜拜