00694 2026年 投资第一堂课『价值十亿元的投资讲座』第一章 2026年5月5日 (128kbit_AAC)

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语音笔记：00694 2026年投资第一堂课『价值十亿元的投资讲座』第一章 2026年5月5日 (128kbit_AAC)

[0:00:00,000 – 0:00:08,000]大家好,这里是CRAC投资理财频道

[0:00:08,000 – 0:00:19,000]今天我们的课程就是2026年投资第一堂课价值10亿元的投资讲座

[0:00:19,000 – 0:00:26,000]过去我们的第一堂课都是标题是价值1亿元的投资讲座

[0:00:26,000 – 0:00:34,000]现在我们的学员超过1亿元的应该是很多了

[0:00:34,000 – 0:00:38,000]所以如果还是用价值1亿元投资讲座

[0:00:38,000 – 0:00:42,000]未免有点过时了

[0:00:42,000 – 0:00:46,000]所以我就改成价值10亿元的投资讲座

[0:00:46,000 – 0:00:52,000]希望过几年就会价值百亿元的投资讲座

[0:00:52,000 – 0:00:58,000]那你如果认同这个标题的你可以继续看下去

[0:00:58,000 – 0:01:02,000]你觉得这个标题有点耸动

[0:01:02,000 – 0:01:06,000]或者是你不值得拥有10亿元以上的资产

[0:01:06,000 – 0:01:10,000]那你可以不用继续看下去了

[0:01:10,000 – 0:01:13,000]因为你自己都认为你不可能富有

[0:01:13,000 – 0:01:16,000]那你就不可能富有

[0:01:16,000 – 0:01:19,000]所以富有是天赋

[0:01:19,000 – 0:01:24,000]你只有认为你自己可以富有的人你才会富有

[0:01:24,000 – 0:01:30,000]开始之前我先自我介绍一下

[0:01:30,000 – 0:01:34,000]可能有些人对我未必了解

[0:01:34,000 – 0:01:36,000]我们频道当然几千部影片

[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]也在宏基美国的多媒体事业群工作

[0:01:50,000 – 0:01:56,000]你们现在所有用的电脑的多媒体的系统

[0:01:56,000 – 0:01:59,000]最基础的就是我的设计

[0:01:59,000 – 0:02:06,000] Microsoft multimedia one的标准也是用我的设计

[0:02:06,000 – 0:02:11,000]还有就是现在所有电脑的HyperNet

[0:02:11,000 – 0:02:15,000]就是说你关机马上立即开机马上又可以恢复

[0:02:15,000 – 0:02:19,000]像现在手机你打开你的APP都还在

[0:02:19,000 – 0:02:23,000]你所有的那个那这个是我的专利

[0:02:23,000 – 0:02:25,000] HyperNet

[0:02:25,000 – 0:02:30,000]那我是宏基事业群主管退休的

[0:02:30,000 – 0:02:33,000]我退休的时间是2024年

[0:02:33,000 – 0:02:37,000]那我交投资应该是交了22年了

[0:02:37,000 – 0:02:40,000]免费交投资

[0:02:41,000 – 0:02:44,000]那我投资的经验也差不多有40年了

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

[0:02:49,000 – 0:02:52,000]我的资产是越用越多

[0:02:52,000 – 0:02:56,000]所以我想我应该有资格来这边跟大家分享

[0:02:56,000 – 0:03:00,000]投资的底层逻辑

[0:03:00,000 – 0:03:04,000]好我是James

[0:03:04,000 – 0:03:07,000]那我们往下看了

[0:03:08,000 – 0:03:17,000]免责声明我们是有意思是义务的教学也是经验分享

[0:03:17,000 – 0:03:20,000]我们都不是专业的投资工

[0:03:20,000 – 0:03:22,000]我也没有牌照

[0:03:22,000 – 0:03:25,000]所以也不可能收费帮你管理钱

[0:03:25,000 – 0:03:29,000]如果有人假借我名义用我们的头像

[0:03:29,000 – 0:03:33,000]那召集群组或者是要跟你收钱

[0:03:33,000 – 0:03:37,000]会跟你代操或者是把你拉到群里

[0:03:37,000 – 0:03:40,000]那都是诈骗一定要小心

[0:03:40,000 – 0:03:42,000]投资风险很大了

[0:03:42,000 – 0:03:47,000]你可能会随时会有市场波动的大的损失

[0:03:47,000 – 0:03:51,000]可是市场短期的波动不是风险

[0:03:51,000 – 0:03:54,000]长期你会有很好的回报

[0:03:54,000 – 0:03:56,000]你长期的回报率低

[0:03:56,000 – 0:03:58,000]才是最大的风险

[0:03:58,000 – 0:04:00,000]因为大家都富有了

[0:04:00,000 – 0:04:01,000]大家都富有了

[0:04:01,000 – 0:04:03,000]你还是一个穷者的话

[0:04:03,000 – 0:04:05,000]你的资产不够多

[0:04:05,000 – 0:04:07,000]你就会被变穷

[0:04:07,000 – 0:04:09,000]我又被变穷

[0:04:09,000 – 0:04:11,000]好

[0:04:11,000 – 0:04:13,000]那在我们这个影片

[0:04:13,000 – 0:04:18,000]很多学员或者很多朋友对我们的频道已经很认识了

[0:04:18,000 – 0:04:20,000]那我今天讲完之后

[0:04:20,000 – 0:04:21,000]你如果有

[0:04:21,000 – 0:04:27,000]或者是你认为在这个影片里面或第一堂课里面

[0:04:27,000 – 0:04:29,000]你想要知道其他的

[0:04:29,000 – 0:04:31,000]我们有很多章节

[0:04:31,000 – 0:04:33,000]今天是第一个章节

[0:04:33,000 – 0:04:35,000]那你在第一个章节里面

[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]你也可以在下面留言

[0:04:39,000 – 0:04:44,000]那我们的讲义也会在YouTube的留言板的置顶

[0:04:44,000 – 0:04:45,000]也会有讲义

[0:04:45,000 – 0:04:47,000]所以你可以自己下载

[0:04:49,000 – 0:04:54,000]我们第一章的重点就是要跟大家讲

[0:04:54,000 – 0:04:57,000]你是劳工还是资本家

[0:04:57,000 – 0:05:00,000]那劳工跟资本家的差别

[0:05:00,000 – 0:05:04,000]劳工跟资本家的人生是有什么不一样

[0:05:06,000 – 0:05:11,000]所以很多人在传统的观念里面

[0:05:11,000 – 0:05:13,000]都是好好念书

[0:05:13,000 – 0:05:15,000]考个好成绩

[0:05:15,000 – 0:05:17,000]上个好大学

[0:05:17,000 – 0:05:20,000]念个硕士班

[0:05:20,000 – 0:05:22,000]最好是能够博士毕业

[0:05:22,000 – 0:05:23,000]重点是什么

[0:05:24,000 – 0:05:27,000]重点是说能够找到好工作

[0:05:28,000 – 0:05:30,000]找到好工作要做什么

[0:05:30,000 – 0:05:31,000]赚钱

[0:05:31,000 – 0:05:32,000]那其实

[0:05:34,000 – 0:05:38,000]世界上不是只有去上班才能赚到钱

[0:05:39,000 – 0:05:42,000]你还有一个另外赚钱的管道

[0:05:42,000 – 0:05:44,000]就是你做资本家

[0:05:44,000 – 0:05:48,000]那通常你资本还不够雄厚的时候

[0:05:48,000 – 0:05:49,000]当然你要先做劳工

[0:05:49,000 – 0:05:52,000]可是慢慢你开始做上班的第一天开始

[0:05:52,000 – 0:05:54,000]你就可以节省

[0:05:55,000 – 0:05:57,000]比如说台币一万美金五百

[0:05:57,000 – 0:05:59,000]那你就可以开始投资

[0:06:00,000 – 0:06:04,000]那你就劳工跟资本家就双管齐下

[0:06:05,000 – 0:06:08,000]最后慢慢的你资本家

[0:06:08,000 – 0:06:12,000]你的资产投资赚的钱

[0:06:12,000 – 0:06:15,000]慢慢的比你劳工赚的钱多

[0:06:15,000 – 0:06:17,000]那你就财富自由了

[0:06:20,000 – 0:06:23,000]所以地主跟佃农有什么不一样

[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]那佃农跟佃农的小孩

[0:06:29,000 – 0:06:33,000]就是半夜三四点就要起床

[0:06:33,000 – 0:06:35,000]就要去田里面耕种

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

[0:06:39,000 – 0:06:42,000]就是你要跟我去学种田

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

[0:06:45,000 – 0:06:46,000]只要好好念书

[0:06:46,000 – 0:06:48,000]以后才有工作可以做

[0:06:49,000 – 0:06:51,000]跟过去的佃农一样

[0:06:51,000 – 0:06:56,000]就是你要跟着爸爸妈妈去田里种田

[0:06:56,000 – 0:06:58,000]在冰冷的冰水下

[0:06:59,000 – 0:07:04,000]那以后才有地主会请你来种田

[0:07:05,000 – 0:07:09,000]那我是希望大家能够认清楚

[0:07:09,000 – 0:07:12,000]你不是一辈子注定就是佃农

[0:07:12,000 – 0:07:15,000]你也不是一辈子就是注定做劳工

[0:07:16,000 – 0:07:18,000]你应该学会做地主

[0:07:18,000 – 0:07:20,000]学会做资本家

[0:07:20,000 – 0:07:23,000]那过去的佃农应该是

[0:07:23,000 – 0:07:25,000]你所赚到的稻米

[0:07:25,000 – 0:07:27,000]应该留一部分存下来

[0:07:28,000 – 0:07:30,000]慢慢的累积资产

[0:07:30,000 – 0:07:32,000]最后可以买一块地

[0:07:33,000 – 0:07:35,000]可以自己耕种

[0:07:35,000 – 0:07:37,000]那也可以帮地主耕种

[0:07:37,000 – 0:07:41,000]慢慢你的地累积越来越多之后

[0:07:41,000 – 0:07:43,000]你的资产越来越多之后

[0:07:43,000 – 0:07:45,000]你就不需要帮地主耕种

[0:07:45,000 – 0:07:47,000]你就会变地主了

[0:07:47,000 – 0:07:49,000]你可以帮自己的田耕种

[0:07:49,000 – 0:07:52,000]或者是你开始可以请别的佃农

[0:07:52,000 – 0:07:54,000]来帮你耕种

[0:07:55,000 – 0:07:58,000]这个就是佃农变地主的一个逻辑

[0:07:58,000 – 0:08:01,000]跟一个观念

[0:08:01,000 – 0:08:03,000]还有他的路径

[0:08:04,000 – 0:08:06,000]一样的你是劳工

[0:08:06,000 – 0:08:08,000]你开始赚钱的第一份薪水

[0:08:08,000 – 0:08:10,000]就要让薪水去做资本家

[0:08:10,000 – 0:08:11,000]开始投资

[0:08:12,000 – 0:08:13,000]还有

[0:08:14,000 – 0:08:17,000]在台湾的或新加坡的

[0:08:17,000 – 0:08:18,000]应该都有

[0:08:18,000 – 0:08:20,000]你只要有薪资收入

[0:08:20,000 – 0:08:22,000]你就可以做信用贷款

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

[0:08:24,000 – 0:08:26,000]你就可以去找银行做信贷

[0:08:27,000 – 0:08:29,000]信贷的作用就是

[0:08:29,000 – 0:08:31,000]你先投资先享受

[0:08:31,000 – 0:08:33,000]那再慢慢付钱

[0:08:33,000 – 0:08:34,000]那当然有的人说

[0:08:34,000 – 0:08:36,000]那我结余再分批买进

[0:08:36,000 – 0:08:37,000]是不是一样

[0:08:38,000 – 0:08:40,000]其实还是不太一样的

[0:08:40,000 – 0:08:42,000]你宁愿借个10年

[0:08:42,000 – 0:08:44,000] 7年的信贷

[0:08:44,000 – 0:08:45,000]一次100万借来

[0:08:45,000 – 0:08:46,000]就给他投进去

[0:08:46,000 – 0:08:48,000]你就100万可以成长

[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]那你如果慢慢投资

[0:08:54,000 – 0:08:56,000]你可能到了7年

[0:08:56,000 – 0:08:59,000]你可能还不到200万

[0:08:59,000 – 0:09:00,000]可是你现在买

[0:09:00,000 – 0:09:01,000]借来的100万

[0:09:01,000 – 0:09:04,000]可是到时候就变成200万

[0:09:04,000 – 0:09:05,000]或250万

[0:09:05,000 – 0:09:07,000]所以不一样的

[0:09:08,000 – 0:09:11,000]所以资本家第一件事情

[0:09:11,000 – 0:09:13,000]要学会的就是借钱

[0:09:13,000 – 0:09:15,000]那年轻人你们就是

[0:09:15,000 – 0:09:16,000]上班的第一天

[0:09:16,000 – 0:09:18,000]知道投资就要去借钱

[0:09:18,000 – 0:09:21,000]借信贷来投资指数基金

[0:09:22,000 – 0:09:24,000]当然慢慢的你们会学会

[0:09:24,000 – 0:09:26,000]什么是指数基金

[0:09:27,000 – 0:09:29,000]哪一个指数基金会让你富有

[0:09:30,000 – 0:09:32,000]很多基金不是你买了

[0:09:32,000 – 0:09:33,000] ETF买了

[0:09:33,000 – 0:09:35,000]你就会富有

[0:09:35,000 – 0:09:37,000]像你去买VT的话

[0:09:37,000 – 0:09:38,000]你会变穷人

[0:09:38,000 – 0:09:40,000]你买世界基金

[0:09:40,000 – 0:09:41,000]你会变穷人

[0:09:41,000 – 0:09:43,000]所以不要去买世界基金

[0:09:43,000 – 0:09:45,000]不要乱买基金

[0:09:45,000 – 0:09:47,000]基金不是随便买就会富有

[0:09:48,000 – 0:09:50,000]因为人家变10亿20亿

[0:09:50,000 – 0:09:52,000]你才不到5000万

[0:09:52,000 – 0:09:54,000]你当然是穷人

[0:09:55,000 – 0:09:56,000]所以一定要小心

[0:09:56,000 – 0:10:00,000]不是说长期投资就会富有

[0:10:00,000 – 0:10:01,000]这重点还是要

[0:10:01,000 – 0:10:03,000]你能够选到好的标的

[0:10:04,000 – 0:10:05,000]我们在这个频道

[0:10:05,000 – 0:10:07,000]就会教你如何变成

[0:10:08,000 – 0:10:10,000]百亿富翁万亿富翁

[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]就是说越早投资越好

[0:10:19,000 – 0:10:22,000]那再来就是你会发现

[0:10:22,000 – 0:10:24,000]你如果不懂得当资本家

[0:10:24,000 – 0:10:27,000]那你这个劳工跟一般的税流

[0:10:28,000 – 0:10:29,000]台语说水牛

[0:10:30,000 – 0:10:31,000]就是耕田的牛

[0:10:31,000 – 0:10:33,000]有不一样吗

[0:10:33,000 – 0:10:35,000]你耕到老耕到死

[0:10:36,000 – 0:10:37,000]你也没有财富

[0:10:38,000 – 0:10:39,000]对不对

[0:10:39,000 – 0:10:40,000]所以水牛会富有吗

[0:10:40,000 – 0:10:41,000]不会啊

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

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

[0:10:47,000 – 0:10:50,000]你就跟一般的牛就没两样

[0:10:51,000 – 0:10:54,000]那为什么有的人是可以变资本家

[0:10:54,000 – 0:10:55,000]有的还是劳工

[0:10:56,000 – 0:10:59,000]这个就像富爸爸穷爸爸那本书一样

[0:10:59,000 – 0:11:01,000]就是我爸爸就是劳工

[0:11:01,000 – 0:11:03,000]所以我爸爸就是佃农

[0:11:03,000 – 0:11:06,000]所以如果我承袭我父辈

[0:11:06,000 – 0:11:10,000]我长辈所教给我的这种知识的话

[0:11:10,000 – 0:11:14,000]那我永远就跳脱不了劳工跟佃农的命运

[0:11:15,000 – 0:11:17,000]那我是资本家

[0:11:17,000 – 0:11:19,000]所以我要告诉你们

[0:11:20,000 – 0:11:21,000]富有是天赋

[0:11:22,000 – 0:11:26,000]我做到我告知的责任

[0:11:26,000 – 0:11:29,000]我要告诉你如何成为资本家

[0:11:30,000 – 0:11:31,000]那你既然被告知了

[0:11:32,000 – 0:11:36,000]你应该就要认真的学习做资本家

[0:11:37,000 – 0:11:38,000]变富有快乐的人

[0:11:39,000 – 0:11:40,000]因为富有是天赋

[0:11:42,000 – 0:11:50,000]就好像如果没有人告诉你天赋人权

[0:11:50,000 – 0:11:53,000]就是说投票权

[0:11:54,000 – 0:11:56,000]还有你的自由权

[0:11:57,000 – 0:11:58,000]还有你的言论自由

[0:11:59,000 – 0:12:00,000]如果没有人告诉你

[0:12:00,000 – 0:12:02,000]你有这个自由的话

[0:12:02,000 – 0:12:09,000]那你就以为没有投票权是正常的

[0:12:10,000 – 0:12:13,000]就好像古时候美国黑人不能投票

[0:12:14,000 – 0:12:17,000]那如果没有人唤醒黑人的自觉

[0:12:17,000 – 0:12:21,000]那黑人就以为世世代代

[0:12:21,000 – 0:12:25,000]就以为自己是没有投票权的

[0:12:26,000 – 0:12:29,000]就好像美国以前都一直没有

[0:12:29,000 – 0:12:31,000]妇女是没有投票权的

[0:12:33,000 – 0:12:37,000]那如果没有人唤醒妇女有投票权

[0:12:37,000 – 0:12:42,000]那妇女以为自己没有投票权是自然的

[0:12:42,000 – 0:12:43,000]是正常的

[0:12:43,000 – 0:12:44,000]那是错的

[0:12:44,000 – 0:12:45,000]所以一样的

[0:12:46,000 – 0:12:50,000]很多人以为自己做劳工一辈子是正常的

[0:12:50,000 – 0:12:51,000]那是不对的

[0:12:52,000 – 0:12:55,000]富有这个事情才是正常的

[0:12:56,000 – 0:12:57,000]那需要有人告知

[0:12:58,000 – 0:13:00,000]所以我今天就告诉你们

[0:13:01,000 – 0:13:02,000]富有是天赋

[0:13:03,000 – 0:13:07,000]劳工什么是劳工

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

[0:13:11,000 – 0:13:12,000]二十年三十年

[0:13:12,000 – 0:13:15,000]终于进了劳工的集中营

[0:13:16,000 – 0:13:18,000]申请到一个工作

[0:13:18,000 – 0:13:20,000]非常的开心

[0:13:20,000 – 0:13:22,000]全家族都恭喜你

[0:13:23,000 – 0:13:26,000]进了护国神山

[0:13:27,000 – 0:13:28,000]你去看那个影片

[0:13:28,000 – 0:13:31,000]护国神山苦不堪言

[0:13:33,000 – 0:13:34,000]早上闹钟响

[0:13:35,000 – 0:13:36,000]痛苦的爬起床

[0:13:37,000 – 0:13:40,000]这个老板的凶恶的眼神

[0:13:40,000 – 0:13:43,000]就在你眼前出现

[0:13:48,000 – 0:13:52,000]在集中营里面的生活是痛苦的

[0:13:52,000 – 0:13:53,000]我跟大家讲

[0:13:53,000 – 0:13:57,000]除非你是做一个你自己有兴趣的工作

[0:13:58,000 – 0:14:01,000]所以我要跟大家年轻人讲

[0:14:01,000 – 0:14:06,000]你要选择薪水高的还是有兴趣的工作

[0:14:06,000 – 0:14:09,000]我中心的建议你要选择

[0:14:10,000 – 0:14:12,000]自己有兴趣的工作

[0:14:13,000 – 0:14:16,000]钱不是从劳力赚来的

[0:14:17,000 – 0:14:21,000]钱要从投资赚来

[0:14:21,000 – 0:14:24,000]钱要成为资本家赚来的

[0:14:25,000 – 0:14:28,000]用劳工赚的钱是为乎其为

[0:14:29,000 – 0:14:32,000]就算你是进了护国神山

[0:14:32,000 – 0:14:35,000]你赚的钱也是为乎其为

[0:14:36,000 – 0:14:38,000]劳力钱也是为乎其为

[0:14:38,000 – 0:14:42,000]在资本家面前那是芝麻绿豆大

[0:14:43,000 – 0:14:44,000]所以你要做资本家

[0:14:46,000 – 0:14:49,000]所以劳工一早上起来

[0:14:49,000 – 0:14:51,000]紧紧张张的赶上班

[0:14:52,000 – 0:14:54,000]晚上就得去加班

[0:14:55,000 – 0:14:57,000]孩子就会进安亲班

[0:14:57,000 – 0:14:58,000]朝九晚五

[0:14:59,000 – 0:15:02,000]吃饭吃不好睡不好

[0:15:03,000 – 0:15:04,000]没钱花

[0:15:04,000 – 0:15:06,000]还得缴一堆税

[0:15:08,000 – 0:15:10,000]缴一堆贷款

[0:15:11,000 – 0:15:12,000]买了一部豪车

[0:15:12,000 – 0:15:13,000]买了一个豪宅

[0:15:13,000 – 0:15:16,000]可是压得喘不过气来

[0:15:16,000 – 0:15:17,000]这是不对的

[0:15:18,000 – 0:15:19,000]所以我跟大家讲

[0:15:19,000 – 0:15:21,000]年轻人不要买房子

[0:15:22,000 – 0:15:26,000]房子是一个非常风险极高的资产

[0:15:28,000 – 0:15:29,000]太多人买了房子

[0:15:29,000 – 0:15:31,000]现在被裁员了

[0:15:31,000 – 0:15:33,000]真的是非常紧张

[0:15:34,000 – 0:15:36,000]你宁愿养孩子

[0:15:36,000 – 0:15:38,000]也不要去养房子

[0:15:38,000 – 0:15:39,000]懂吗

[0:15:40,000 – 0:15:42,000]当你钱多到买房子

[0:15:42,000 – 0:15:44,000]跟买拖鞋一样

[0:15:44,000 – 0:15:45,000]你要住什么豪宅

[0:15:45,000 – 0:15:46,000]其实都有

[0:15:47,000 – 0:15:49,000]不要一开始就把自己一生

[0:15:50,000 – 0:15:52,000]赌进房子里面

[0:15:52,000 – 0:15:53,000]等到三十年

[0:15:53,000 – 0:15:54,000]你缴完房贷

[0:15:54,000 – 0:15:56,000]就剩下一间破房

[0:15:57,000 – 0:15:58,000]你还剩什么

[0:15:58,000 – 0:15:59,000]可是人家

[0:15:59,000 – 0:16:00,000]你还剩什么

[0:16:00,000 – 0:16:02,000]可是人家要买你这个房子

[0:16:02,000 – 0:16:03,000]轻而易举

[0:16:03,000 – 0:16:07,000]而且人家才不要买你这老房子

[0:16:08,000 – 0:16:09,000]人家去买新的

[0:16:10,000 – 0:16:11,000]买豪宅

[0:16:11,000 – 0:16:13,000]而且还不用自己的钱

[0:16:14,000 – 0:16:16,000]去银行搬钱就有了

[0:16:16,000 – 0:16:20,000]那你的死守的这破旧漏水的房子

[0:16:21,000 – 0:16:22,000]所以不要买房子

[0:16:25,000 – 0:16:26,000]劳工的家庭

[0:16:26,000 – 0:16:28,000]你加班赚钱

[0:16:28,000 – 0:16:30,000]辛苦为了这个家

[0:16:30,000 – 0:16:31,000]可是你的家庭

[0:16:32,000 – 0:16:33,000]你的子女关系

[0:16:34,000 – 0:16:36,000]你的夫妻配偶关系

[0:16:36,000 – 0:16:38,000]你的父母生活好吗

[0:16:40,000 – 0:16:42,000]其实这种劳工家庭

[0:16:42,000 – 0:16:44,000]通常是一地鸡毛

[0:16:45,000 – 0:16:48,000]所以为什么会一地鸡毛

[0:16:48,000 – 0:16:52,000]因为完全被钱绑住了

[0:16:52,000 – 0:16:54,000]因为你很紧张

[0:16:54,000 – 0:16:55,000]很紧张

[0:16:56,000 – 0:16:59,000]你做劳工赚的钱不够花

[0:16:59,000 – 0:17:01,000]而且你还会很紧张

[0:17:01,000 – 0:17:03,000]未来退休怎么办

[0:17:03,000 – 0:17:04,000]而且很紧张说

[0:17:04,000 – 0:17:06,000]我现在没买房子

[0:17:06,000 – 0:17:08,000]以后可能就买不起了

[0:17:08,000 – 0:17:09,000]所以会很紧张

[0:17:10,000 – 0:17:12,000]那之后你的压力很大

[0:17:12,000 – 0:17:14,000]工作压力大

[0:17:15,000 – 0:17:17,000]对未来没有成就感

[0:17:17,000 – 0:17:19,000]对未来没希望

[0:17:19,000 – 0:17:21,000]你就很压力很大

[0:17:21,000 – 0:17:24,000]生活上全家都很紧张

[0:17:24,000 – 0:17:29,000]这就是造成全家一地鸡毛的元凶

[0:17:30,000 – 0:17:32,000]所以当你了解我们

[0:17:32,000 – 0:17:35,000]价值十亿元的投资讲座之后

[0:17:35,000 – 0:17:38,000]你对未来有希望

[0:17:38,000 – 0:17:41,000]知道未来会非常有钱

[0:17:41,000 – 0:17:44,000]你现在花点钱又合法

[0:17:44,000 – 0:17:46,000]所以你就不会那么紧张

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

[0:17:50,000 – 0:17:53,000]所以劳工在非常紧张

[0:17:53,000 – 0:17:55,000]压力非常大的日子

[0:17:55,000 – 0:17:56,000]日复一日

[0:17:56,000 – 0:17:59,000]其实到了工作三四十年后

[0:17:59,000 – 0:18:02,000]其实也没有财富也没存钱

[0:18:03,000 – 0:18:07,000]最后如果没搞到家破人亡

[0:18:07,000 – 0:18:10,000]已经是劳工最佳的命运了

[0:18:10,000 – 0:18:12,000]所以等到三四十年

[0:18:12,000 – 0:18:14,000]工作完退休之后

[0:18:14,000 – 0:18:16,000]寿命可能也剩不到十年

[0:18:16,000 – 0:18:20,000]因为你过去的生活就是一种毒素

[0:18:21,000 – 0:18:24,000]那你要过这样子的生活吗

[0:18:24,000 – 0:18:27,000]你要过三四十年有毒的生活吗

[0:18:27,000 – 0:18:29,000]当然不要啊

[0:18:29,000 – 0:18:31,000]所以我在这里跟你们讲

[0:18:32,000 – 0:18:34,000]富有是天赋

[0:18:34,000 – 0:18:35,000]你要听懂

[0:18:35,000 – 0:18:37,000]我投资四十几年

[0:18:37,000 – 0:18:39,000]退休二十二年

[0:18:40,000 – 0:18:42,000]我什么事都不用做

[0:18:43,000 – 0:18:45,000]我就更有钱

[0:18:45,000 – 0:18:47,000]那这是什么方式

[0:18:49,000 – 0:18:51,000]不会有人跟你讲

[0:18:51,000 – 0:18:57,000]可是我愿意花二三十年免费教大家投资

[0:18:57,000 – 0:18:59,000]你多少也听一下

[0:19:00,000 – 0:19:02,000]所以你如果是劳工

[0:19:02,000 – 0:19:05,000]这不是像一头水牛的一生吗

[0:19:05,000 – 0:19:08,000]而且水牛有时候休耕的时候

[0:19:08,000 – 0:19:13,000]一年也有两三个月不用上班了

[0:19:13,000 – 0:19:14,000]那你呢

[0:19:14,000 – 0:19:16,000]你还得三四十年

[0:19:19,000 – 0:19:21,000]每个礼拜七天

[0:19:21,000 – 0:19:26,000]每天十六小时的上班

[0:19:26,000 – 0:19:29,000]水牛还有寒暑假

[0:19:29,000 – 0:19:32,000]所以你这个劳工连水牛都不如

[0:19:33,000 – 0:19:37,000]所以不管你是在护国神山

[0:19:37,000 – 0:19:38,000]还是护国群山

[0:19:38,000 – 0:19:40,000]还是其他的7-11

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

[0:19:42,000 – 0:19:44,000]不管是律师

[0:19:44,000 – 0:19:45,000]会计师

[0:19:45,000 – 0:19:47,000]不管你是律师或什么师

[0:19:47,000 – 0:19:49,000]都一样都是劳工

[0:19:51,000 – 0:19:53,000]你就算做到总经理

[0:19:53,000 – 0:19:54,000]假设你不会投资

[0:19:54,000 – 0:19:56,000]你也是劳工

[0:19:56,000 – 0:19:58,000]所以记得

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

[0:20:02,000 – 0:20:04,000]不是说劳工不好

[0:20:05,000 – 0:20:07,000]劳工是要能够服务人群

[0:20:07,000 – 0:20:11,000]而不避讳五斗米折腰才是劳工

[0:20:11,000 – 0:20:14,000]那你如果不用五斗米折腰

[0:20:14,000 – 0:20:15,000]不是我讲错了

[0:20:15,000 – 0:20:18,000]不为五斗米折腰才是资本家

[0:20:18,000 – 0:20:20,000]你如果为了钱工作的

[0:20:20,000 – 0:20:22,000]全部都是劳工

[0:20:22,000 – 0:20:23,000]都是劳工

[0:20:25,000 – 0:20:30,000]资本家的家庭跟传统的教育

[0:20:30,000 – 0:20:33,000]就是读书是一个兴趣

[0:20:33,000 – 0:20:34,000]你要学乐器

[0:20:34,000 – 0:20:36,000]你要学画画都可以

[0:20:36,000 – 0:20:38,000]那只要你有兴趣

[0:20:38,000 – 0:20:40,000]钱不是问题

[0:20:42,000 – 0:20:44,000]读书看书是休闲

[0:20:45,000 – 0:20:48,000]我们真正资本家的家庭教育

[0:20:48,000 – 0:20:50,000]服务社会

[0:20:51,000 – 0:20:53,000]才是人生的目的

[0:20:54,000 – 0:20:58,000]这是资本家最基本的观念

[0:21:00,000 – 0:21:01,000]再来资本家的生活

[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]找个健康的早餐

[0:21:08,000 – 0:21:10,000]快乐的休闲

[0:21:10,000 – 0:21:12,000]轻松的生活

[0:21:12,000 – 0:21:14,000]这就是资本家

[0:21:14,000 – 0:21:17,000]我二十几年来退休

[0:21:17,000 – 0:21:19,000]就是这样过的

[0:21:19,000 – 0:21:21,000]天天睡到自然醒

[0:21:22,000 – 0:21:25,000]数钱数到手抽筋

[0:21:26,000 – 0:21:27,000]你要吃什么

[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]好好跟子女相处

[0:21:36,000 – 0:21:38,000]好好陪爸爸妈妈吃饭

[0:21:38,000 – 0:21:40,000]好好带家人出去旅游

[0:21:40,000 – 0:21:42,000]这就是资本家

[0:21:42,000 – 0:21:44,000]生活慢慢来

[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]有时候我有两件事需要做

[0:21:49,000 – 0:21:50,000]我就说

[0:21:50,000 – 0:21:52,000]那今天就办几件就好了

[0:21:52,000 – 0:21:54,000]因为留个一件事

[0:21:54,000 – 0:21:56,000]明天再办就可以了

[0:21:56,000 – 0:21:57,000]所以我很享受

[0:21:57,000 – 0:22:00,000]没有事可以做的时光

[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]谈谈子女的梦想

[0:22:08,000 – 0:22:10,000]陪陪父母聊聊天

[0:22:10,000 – 0:22:13,000]谈谈他们过去的历史

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

[0:22:19,000 – 0:22:21,000]就是实现梦想

[0:22:21,000 – 0:22:23,000]增进人类全体之生活

[0:22:23,000 – 0:22:25,000]这就是资本家

[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]资本家的工作就是服务了

[0:22:34,000 – 0:22:36,000]不是为了钱

[0:22:36,000 – 0:22:38,000]不会用劳力跟时间去换钱

[0:22:38,000 – 0:22:40,000]就是资本家

[0:22:40,000 – 0:22:42,000]因为钱实在会多到用不完

[0:22:43,000 – 0:22:46,000]其实也赚不了多少钱

[0:22:46,000 – 0:22:48,000]你如果用劳力跟时间

[0:22:48,000 – 0:22:50,000]你也赚不了多少钱

[0:22:51,000 – 0:22:54,000]我这一辈子的财富应该

[0:22:54,000 – 0:22:58,000]薪水那部分应该是零头而已

[0:22:58,000 – 0:23:01,000]就像巴菲特50岁以前

[0:23:01,000 – 0:23:04,000]只有占他资产的1%

[0:23:04,000 – 0:23:09,000]他99%的资产都是之后赚的

[0:23:11,000 – 0:23:13,000]你只有不用劳力赚钱

[0:23:13,000 – 0:23:15,000]无需花时间赚钱

[0:23:15,000 – 0:23:17,000]才是真正富有的资本家

[0:23:17,000 – 0:23:19,000]所以要告诉大家

[0:23:19,000 – 0:23:21,000]富有是天赋

[0:23:21,000 – 0:23:24,000]是资本主义给我们最佳的礼物

[0:23:24,000 – 0:23:26,000]这是资本主义制度里面

[0:23:26,000 – 0:23:28,000]就摆在眼前

[0:23:28,000 – 0:23:29,000]公平公正公开

[0:23:29,000 – 0:23:32,000]每个人都可以取得的礼物

[0:23:32,000 – 0:23:34,000]可是大家都不懂

[0:23:36,000 – 0:23:38,000]我们传统的将纲文化

[0:23:38,000 – 0:23:40,000]就是要好好念书

[0:23:40,000 – 0:23:41,000]好好上大学

[0:23:41,000 – 0:23:43,000]好好博士毕业

[0:23:43,000 – 0:23:45,000]好好找个台积电

[0:23:46,000 – 0:23:49,000]好好找个护国群山工作

[0:23:49,000 – 0:23:52,000]好好工作领薪水过一辈子

[0:23:53,000 – 0:23:55,000]这个是不错

[0:23:55,000 – 0:23:59,000]可是不是资本主义最佳解方案

[0:24:00,000 – 0:24:01,000]富有是天赋

[0:24:01,000 – 0:24:04,000]绝对不是去上班工作

[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]你只赚得你这辈子的1%的资产

[0:24:11,000 – 0:24:15,000]真正99%都是投资做资本家赚来的

[0:24:16,000 – 0:24:18,000]而且每个人都可以

[0:24:18,000 – 0:24:20,000]所以我今天要告诉你

[0:24:20,000 – 0:24:22,000]就是每个人都可以

[0:24:23,000 – 0:24:26,000]这是已经设计好的制度

[0:24:27,000 – 0:24:28,000]富有就是天赋

[0:24:28,000 – 0:24:30,000]所以你只要学会

[0:24:30,000 – 0:24:32,000]而且不用花脑筋

[0:24:33,000 – 0:24:35,000]就这样做了就好了

[0:24:35,000 – 0:24:38,000]这堂课我要告诉是

[0:24:38,000 – 0:24:42,000]告知如何成为富有的资本家

[0:24:42,000 – 0:24:43,000]只要你愿意

[0:24:43,000 – 0:24:45,000]每个人都可以富有

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

[0:24:50,000 – 0:24:52,000]赎回自己的灵魂

[0:24:53,000 – 0:24:55,000]完成人生的使命

[0:24:55,000 – 0:24:58,000]钱只是完成使命的工具

[0:24:58,000 – 0:25:01,000]所以资本家的钱是花不完

[0:25:01,000 – 0:25:04,000]资本家在花钱不用考虑钱

[0:25:04,000 – 0:25:06,000]带全家去玩

[0:25:06,000 – 0:25:09,000]喜欢的饭店就给他订了

[0:25:10,000 – 0:25:12,000]喜欢住几天就住几天

[0:25:12,000 – 0:25:13,000]这就是资本家

[0:25:15,000 – 0:25:18,000]钱只是完成使命的工具

[0:25:18,000 – 0:25:19,000]方向正确

[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]你方向错误

[0:25:24,000 – 0:25:25,000]你努力错误

[0:25:25,000 – 0:25:27,000]比如说你一直做劳工

[0:25:27,000 – 0:25:28,000]你做死做活

[0:25:28,000 – 0:25:29,000]做到一百岁

[0:25:29,000 – 0:25:31,000]你也不可能富有

[0:25:31,000 – 0:25:33,000]这条路既然不可能富有

[0:25:33,000 – 0:25:36,000]你为什么那么执着于做劳工呢

[0:25:37,000 – 0:25:40,000]所以我们就是要教大家

[0:25:40,000 – 0:25:42,000]富有这一件事情

[0:25:43,000 – 0:25:45,000]这个一辈子也没有人教你

[0:25:45,000 – 0:25:48,000]这就是资本主义最大的陷阱

[0:25:49,000 – 0:25:51,000]整个资本主义社会

[0:25:51,000 – 0:25:53,000]就是一个楚门世界

[0:25:54,000 – 0:25:57,000]就是养了一群劳工

[0:25:58,000 – 0:26:02,000]当初学校是从德国出来

[0:26:02,000 – 0:26:03,000]从英国出来

[0:26:04,000 – 0:26:06,000]那时候为什么有学校这件事情

[0:26:07,000 – 0:26:08,000]因为工业革命之后

[0:26:08,000 – 0:26:10,000]蒸汽机发达之后

[0:26:10,000 – 0:26:12,000]工厂出来之后

[0:26:12,000 – 0:26:13,000]流水线出来之后

[0:26:13,000 – 0:26:16,000]资本主义资本家发现

[0:26:16,000 – 0:26:20,000]这个劳工怎么驯服这些劳工

[0:26:21,000 – 0:26:22,000]所以就开办了学校

[0:26:22,000 – 0:26:25,000]让他们能够准时上课

[0:26:25,000 – 0:26:26,000]准时下课

[0:26:26,000 – 0:26:27,000]准时吃饭

[0:26:28,000 – 0:26:29,000]这样子的培养

[0:26:29,000 – 0:26:31,000]最后进了工厂

[0:26:31,000 – 0:26:33,000]就会听命于工厂

[0:26:33,000 – 0:26:34,000]准时上班

[0:26:34,000 – 0:26:35,000]准时休息

[0:26:35,000 – 0:26:37,000]准时吃饭

[0:26:37,000 – 0:26:38,000]准时下班

[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]那这个都是学校培养出来的劳工教育

[0:26:48,000 – 0:26:52,000]资本家的一生的幸福快乐富足

[0:26:52,000 – 0:26:53,000]不是这样子的

[0:26:55,000 – 0:27:02,000]所以资本家是要摆脱劳工思维

[0:27:02,000 – 0:27:06,000]摆脱学校给你教育的思维

[0:27:08,000 – 0:27:09,000]你进学校

[0:27:09,000 – 0:27:10,000]你念大学

[0:27:10,000 – 0:27:11,000]你念博士

[0:27:11,000 – 0:27:13,000]不是为了钱

[0:27:13,000 – 0:27:15,000]不是为了找好工作

[0:27:16,000 – 0:27:19,000]而是为了增进人类全体之生活

[0:27:24,000 – 0:27:29,000]昨天听了尼采的书

[0:27:30,000 – 0:27:31,000]其中讲一个

[0:27:31,000 – 0:27:32,000]所有的学校

[0:27:32,000 – 0:27:34,000]所有的专家

[0:27:34,000 – 0:27:36,000]都在象牙塔里面

[0:27:37,000 – 0:27:41,000]完全没有在创造人类全体之生活

[0:27:42,000 – 0:27:45,000]如何从你的知识研究

[0:27:45,000 – 0:27:48,000]能够创造全体人类之生活

[0:27:48,000 – 0:27:50,000]这才是目的

[0:27:52,000 – 0:27:54,000]像美国这些企业家

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

[0:27:57,000 – 0:27:59,000] Elon Musk

[0:28:01,000 – 0:28:03,000]这些创新者

[0:28:03,000 – 0:28:06,000]其实他们学校

[0:28:07,000 – 0:28:09,000]给他们的教育不是重点

[0:28:09,000 – 0:28:15,000]重点是他们都有创新服务人群

[0:28:15,000 – 0:28:16,000]把事情做好

[0:28:16,000 – 0:28:20,000]解决人类的困难的使命

[0:28:21,000 – 0:28:24,000]这才是除了资本家以外

[0:28:24,000 – 0:28:25,000]人类

[0:28:25,000 – 0:28:29,000]增进人类全体之生活最大的意义

[0:28:30,000 – 0:28:33,000]当初他们这些创新的人

[0:28:33,000 – 0:28:36,000]绝对不是为了钱

[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]他们觉得可以解决一些事情

[0:28:46,000 – 0:28:48,000]增进人类全体之生活

[0:28:48,000 – 0:28:50,000]所以他们不是劳工

[0:28:50,000 – 0:28:52,000]虽然他们不是资本家

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

[0:28:59,000 – 0:29:03,000]所以资本家可以让金钱自动努力工作

[0:29:03,000 – 0:29:08,000]那资本家跟创业者有什么不一样

[0:29:09,000 – 0:29:12,000]我们资本家就是投资创业者

[0:29:12,000 – 0:29:16,000]让创业者的梦想成真

[0:29:16,000 – 0:29:18,000]所以我们资本家

[0:29:18,000 – 0:29:21,000]甚至比所有的劳工贡献更大

[0:29:22,000 – 0:29:24,000]因为如果没有资本家

[0:29:24,000 – 0:29:28,000]没办法支持Elon的电动车

[0:29:28,000 – 0:29:30,000]没有资本家

[0:29:31,000 – 0:29:35,000] Bill Gates就拿不到资金

[0:29:35,000 – 0:29:36,000]没有资本家

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

[0:29:40,000 – 0:29:44,000]所以我们资本家是直接

[0:29:44,000 – 0:29:46,000]用我们的真金白银

[0:29:46,000 – 0:29:49,000]增进人类全体之生活

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

[0:29:53,000 – 0:29:55,000]虽然我们自己不用工作

[0:29:55,000 – 0:29:58,000]可是我们用自己的真金白银

[0:29:58,000 – 0:30:00,000]创造人类全体之生活

[0:30:01,000 – 0:30:04,000]这才是值得富有

[0:30:04,000 – 0:30:06,000]自由资本家的人生

[0:30:07,000 – 0:30:09,000]快乐工作

[0:30:09,000 – 0:30:11,000]幸福生活

[0:30:12,000 – 0:30:15,000]我们资本家是快乐投资

[0:30:15,000 – 0:30:17,000]幸福生活

[0:30:17,000 – 0:30:19,000]所以大家一定要记得

[0:30:19,000 – 0:30:22,000]我们要做对世界最有贡献的资本家

[0:30:23,000 – 0:30:25,000]我们用我们的真金白银

[0:30:25,000 – 0:30:27,000]促进人类全体之生活

[0:30:28,000 – 0:30:31,000]一个值得的人生

[0:30:31,000 – 0:30:33,000]富有是天赋

[0:30:33,000 – 0:30:36,000]你要知道你有这个权利富有

[0:30:37,000 – 0:30:40,000]你会富有是有权利的

[0:30:40,000 – 0:30:42,000]不需要求别人

[0:30:42,000 – 0:30:44,000]你这一生一出生开始

[0:30:44,000 – 0:30:46,000]你就应该要富有的

[0:30:46,000 – 0:30:49,000]那你能不能富有

[0:30:49,000 – 0:30:51,000]这要被告知

[0:30:51,000 – 0:30:53,000]所以我们这个频道

[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]你是可以在资本主义之下富有的

[0:30:59,000 – 0:31:02,000]我们就是要让每个人都富有

[0:31:02,000 – 0:31:05,000]我们要消灭贫穷

[0:31:05,000 – 0:31:08,000]可是为什么很多人就很奇怪

[0:31:08,000 – 0:31:11,000]我要告诉他我要让你富有

[0:31:11,000 – 0:31:13,000]他认为我们是诈骗

[0:31:13,000 – 0:31:15,000]代表这些人

[0:31:15,000 – 0:31:19,000]对于富有这件事情有排斥的

[0:31:19,000 – 0:31:22,000]能够在我们频道留下来的

[0:31:22,000 – 0:31:27,000]真的是千万分之一而已

[0:31:28,000 – 0:31:31,000]一千万个人可能只有一两个人

[0:31:31,000 – 0:31:32,000]能够接受

[0:31:32,000 – 0:31:38,000]因为大部分人都被劳工教育愚弄

[0:31:39,000 – 0:31:44,000]所以我们的频道是消除贫穷

[0:31:46,000 – 0:31:49,000]富有就是天赋人权一样

[0:31:49,000 – 0:31:54,000]你一出生就应该有人权有言论自由

[0:31:54,000 – 0:31:56,000]那你一出生就应该富有的

[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]那是你自己放弃这个权利

[0:32:03,000 – 0:32:05,000]快乐是人权

[0:32:05,000 – 0:32:09,000]我们除了要告诉大家你可以富有之外

[0:32:09,000 – 0:32:11,000]你可以快乐的

[0:32:11,000 – 0:32:14,000]在你的人际关系上

[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]只要不快乐的事你都可以拒绝

[0:32:19,000 – 0:32:22,000]我们活在世界上

[0:32:22,000 – 0:32:24,000]任何人事物跟关系

[0:32:24,000 – 0:32:27,000]最终都要感觉到快乐你才去做

[0:32:27,000 – 0:32:31,000]你有权利拒绝任何人事物跟关系

[0:32:31,000 – 0:32:34,000]如果他不能让你快乐

[0:32:36,000 – 0:32:41,000]什么是你人生最重要的目标

[0:32:41,000 – 0:32:46,000]你能够为人类做最大的贡献是什么

[0:32:46,000 – 0:32:51,000]很多人可能已经忘记自己小时候的梦想了

[0:32:51,000 – 0:32:54,000]但是如果你有一亿美金

[0:32:54,000 – 0:32:55,000]你有十亿美金

[0:32:55,000 – 0:32:59,000]你有三十亿台币或一百亿台币

[0:32:59,000 – 0:33:03,000]你的人生目标会不会有不一样

[0:33:03,000 – 0:33:05,000]还是会一样

[0:33:05,000 – 0:33:06,000]我跟大家讲

[0:33:06,000 – 0:33:12,000]假设你有三十亿台币或三百亿台币或三千亿台币

[0:33:12,000 – 0:33:16,000]你的人生目标不会改变

[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]我们的课程除了教大家拥有超越一亿元

[0:33:24,000 – 0:33:27,000]十亿元的财富之外

[0:33:27,000 – 0:33:30,000]我们也要教育大家

[0:33:31,000 – 0:33:35,000]你的梦想是可以无限大

[0:33:35,000 – 0:33:38,000]只有你的梦想无限大

[0:33:38,000 – 0:33:41,000]你的财富才可能无限大

[0:33:41,000 – 0:33:45,000]因为你要那么多钱做什么

[0:33:45,000 – 0:33:48,000]除非你真的有这个需要

[0:33:48,000 – 0:33:50,000]所以我常常讲

[0:33:50,000 – 0:33:52,000]你梦有多大

[0:33:52,000 – 0:33:54,000]你的财富就有多少

[0:33:54,000 – 0:33:56,000]所以富有是天赋

[0:33:56,000 – 0:33:58,000]快乐是人权

[0:33:58,000 – 0:34:00,000]这个是我们这一堂课

[0:34:00,000 – 0:34:02,000]这一整堂整个系列

[0:34:02,000 – 0:34:05,000]不管是现在的十亿元

[0:34:05,000 – 0:34:09,000]或者未来的一百亿元或一万亿元的讲座

[0:34:09,000 – 0:34:11,000]富有是天赋

[0:34:11,000 – 0:34:12,000]快乐是人权

[0:34:12,000 – 0:34:14,000]这是永远不会改变的

[0:34:14,000 – 0:34:17,000]好

[0:34:17,000 – 0:34:21,000]我们来看看现在劳工的老鼠龙

[0:34:21,000 – 0:34:26,000]一开始上班就卖命的工作

[0:34:26,000 – 0:34:33,000]你会身体就有一堆病痛

[0:34:33,000 – 0:34:36,000]帮老板赚钱

[0:34:36,000 – 0:34:40,000]用生命去换钱

[0:34:40,000 – 0:34:43,000]你赚了钱缴一堆税金给国家

[0:34:43,000 – 0:34:47,000]你如果买房子还得缴房地产税

[0:34:47,000 – 0:34:49,000]有的人还很笨的去买房子

[0:34:49,000 – 0:34:51,000]有的人还很笨的去买保险

[0:34:51,000 – 0:34:52,000]不要买保险

[0:34:52,000 – 0:34:53,000]不要买保险

[0:34:53,000 – 0:34:54,000]不要买保险

[0:34:54,000 – 0:34:56,000]重要的是缴三遍

[0:34:56,000 – 0:34:58,000]任何保险都不要买

[0:34:58,000 – 0:35:03,000]什么储蓄险、年金、癌症险、长照险

[0:35:03,000 – 0:35:04,000]什么险都不要

[0:35:04,000 – 0:35:06,000]你有钱最保险

[0:35:06,000 – 0:35:07,000]懂吗

[0:35:07,000 – 0:35:10,000]你现在买了一堆保险就会变穷

[0:35:10,000 – 0:35:12,000]我只有看到买一堆保险的穷人

[0:35:12,000 – 0:35:18,000]我没有看到买一堆保险的富有的人

[0:35:18,000 – 0:35:20,000]赚钱给银行

[0:35:20,000 – 0:35:21,000]要去缴贷款

[0:35:21,000 – 0:35:23,000]缴税金

[0:35:23,000 – 0:35:25,000]买大房子、买大车子

[0:35:25,000 – 0:35:27,000]买保险、享受物质

[0:35:27,000 – 0:35:29,000]这些都会让你变穷

[0:35:33,000 – 0:35:37,000]最后你只能可怜的去乞讨老板给你加薪

[0:35:37,000 – 0:35:43,000]这个都是一般劳工的老鼠笼

[0:35:43,000 – 0:35:45,000]不愿意去上班

[0:35:45,000 – 0:35:47,000]可是又得努力上班

[0:35:47,000 – 0:35:51,000]因为要缴税、要缴贷款

[0:35:51,000 – 0:35:54,000]要缴车贷、要买新车

[0:35:54,000 – 0:35:56,000]要过更好的日子

[0:35:56,000 – 0:35:58,000]买了一堆垃圾

[0:35:58,000 – 0:36:00,000]丢在仓库

[0:36:00,000 – 0:36:04,000]再去祈求公司给你加薪

[0:36:04,000 – 0:36:06,000]接受更大的压力

[0:36:06,000 – 0:36:08,000]最后身体一堆病

[0:36:08,000 – 0:36:10,000]这就是劳工

[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]像我一样

[0:36:16,000 – 0:36:18,000]什么事都不用做

[0:36:18,000 – 0:36:20,000]资产就越来越多

[0:36:20,000 – 0:36:29,000]你要学会这套资本主义、资本家的正常、正确的道理

[0:36:29,000 – 0:36:34,000]所以一般人都在这个循环里面永远绕不完

[0:36:34,000 – 0:36:36,000]绕到最后就身体一堆病痛

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

[0:36:39,000 – 0:36:40,000]就人走了

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

[0:36:43,000 – 0:36:46,000]可能不如水牛、不如一头牛

[0:36:46,000 – 0:36:49,000]所以我们要跳脱这个老鼠笼

[0:36:49,000 – 0:36:51,000]你要致富的钥匙

[0:36:51,000 – 0:36:54,000]这里就是告诉你致富的钥匙

[0:36:54,000 – 0:36:57,000]你当然一开始可能不是富二代

[0:36:57,000 – 0:36:59,000]那你如果是富二代

[0:36:59,000 – 0:37:01,000]可能连工作都不用了

[0:37:01,000 – 0:37:04,000]不工作是以不工作为荣

[0:37:04,000 – 0:37:06,000]懂吗?不要以工作为荣

[0:37:09,000 – 0:37:12,000]那你要超越老鼠笼的开始

[0:37:12,000 – 0:37:15,000]你就得省钱或者存钱

[0:37:15,000 – 0:37:21,000]那你有了钱你才有办法投资金钱能量的增长

[0:37:23,000 – 0:37:29,000]金钱能量的增长跟精神能量的增长是相辅相成的

[0:37:29,000 – 0:37:32,000]所以如果你没有上我们这堂课

[0:37:32,000 – 0:37:35,000]你没有能量你怎么可能赚钱

[0:37:36,000 – 0:37:39,000]精神能量是我们这堂课要给你的

[0:37:39,000 – 0:37:41,000]你有了这个精神能量

[0:37:41,000 – 0:37:45,000]你才有办法持有多的金钱能量

[0:37:46,000 – 0:37:49,000]不然的话你没有精神能量

[0:37:49,000 – 0:37:52,000]钱再多你还是最后会失去

[0:37:53,000 – 0:37:58,000]这个就是中乐透的人最后会贫穷的原因

[0:37:58,000 – 0:38:03,000]还有人虽然薪水很高最后也是贫穷

[0:38:03,000 – 0:38:05,000]还有很多师

[0:38:05,000 – 0:38:07,000]不管是会计师、律师

[0:38:07,000 – 0:38:09,000]什么师

[0:38:09,000 – 0:38:11,000]虽然薪水很高

[0:38:11,000 – 0:38:16,000]有些综艺节目的主持人虽然薪水很高

[0:38:16,000 – 0:38:18,000]可是他们能量不足的时候

[0:38:18,000 – 0:38:20,000]不知道做资本家

[0:38:20,000 – 0:38:27,000]最后也是百病缠身穷困潦倒

[0:38:29,000 – 0:38:33,000]无法过一个人的生活

[0:38:34,000 – 0:38:39,000]就只能跟动物一样生活

[0:38:40,000 – 0:38:45,000]所以我们人是要过一个值得的人生

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

[0:38:49,000 – 0:38:52,000]你开始赚钱你要提升精神能量

[0:38:52,000 – 0:38:54,000]要学习

[0:38:54,000 – 0:38:59,000]所以我建议大家最好的学习就是多看书

[0:38:59,000 – 0:39:00,000]多看书

[0:39:00,000 – 0:39:03,000]我所有的所讲出来的话

[0:39:03,000 – 0:39:08,000]虽然是我自己创造出来的原汁原味

[0:39:08,000 – 0:39:11,000]绝对你在外面任何书你都找不到

[0:39:11,000 – 0:39:15,000]可是我这些内容的内化

[0:39:15,000 – 0:39:17,000]这种涌现出来的知识

[0:39:17,000 – 0:39:21,000]虽然不是书籍所写的

[0:39:21,000 – 0:39:27,000]可是一定是我有很多输入的资料库之后

[0:39:28,000 – 0:39:33,000]产生出来的涌现的思维

[0:39:33,000 – 0:39:35,000]一样跟AI一样

[0:39:35,000 – 0:39:37,000] AI就是为了一堆知识之后

[0:39:37,000 – 0:39:41,000] AI会自己涌现出不存在的东西

[0:39:41,000 – 0:39:44,000]那这就是精神能量

[0:39:44,000 – 0:39:46,000]所以建议大家多看书

[0:39:46,000 – 0:39:48,000]多看书

[0:39:49,000 – 0:39:52,000]心情平和

[0:39:52,000 – 0:39:54,000]不受市场的干扰

[0:39:54,000 – 0:39:56,000]你才能够投资成功

[0:39:57,000 – 0:40:01,000]那你要过着简约的生活

[0:40:01,000 – 0:40:03,000]我不是说你不要花钱

[0:40:03,000 – 0:40:07,000]其实所谓简约生活就像巴菲特一样

[0:40:07,000 – 0:40:10,000]人家说巴菲特你这么省做什么

[0:40:10,000 – 0:40:12,000]巴菲特说你告诉我

[0:40:12,000 – 0:40:14,000]我有需要什么

[0:40:14,000 – 0:40:15,000]我现在就去买

[0:40:15,000 – 0:40:17,000]我下午就去买

[0:40:17,000 – 0:40:20,000]问题是他没有觉得他需要啊

[0:40:20,000 – 0:40:23,000]今天你如果觉得需要带全家去旅行

[0:40:23,000 – 0:40:26,000]你就花钱带全家去旅行

[0:40:26,000 – 0:40:28,000]你觉得你要买一个东西

[0:40:28,000 – 0:40:31,000]那你就去买一个东西

[0:40:31,000 – 0:40:33,000]那你如果没有什么需要

[0:40:33,000 – 0:40:36,000]因为我们现在几乎生活

[0:40:36,000 – 0:40:37,000]你买了一个东西

[0:40:37,000 – 0:40:39,000]你要想想看过几年之后

[0:40:39,000 – 0:40:43,000]这个东西还会有用吗

[0:40:43,000 – 0:40:46,000]其实我也发现我买的东西

[0:40:46,000 – 0:40:50,000]很多东西用一用之后就没有用了

[0:40:51,000 – 0:40:54,000]当初觉得很有用的

[0:40:54,000 – 0:40:56,000]之后也没用了

[0:40:56,000 – 0:40:58,000]就像很多人我相信

[0:40:58,000 – 0:40:59,000]我是没有

[0:40:59,000 – 0:41:03,000]很多人我记得那时候台湾的

[0:41:03,000 – 0:41:06,000]自动制面包机很发达

[0:41:06,000 – 0:41:09,000]所以很多人家里都会买那个

[0:41:09,000 – 0:41:13,000]自动面包制作的机器

[0:41:13,000 – 0:41:16,000]一开始还会制作完给我吃

[0:41:16,000 – 0:41:17,000]还会送给我们

[0:41:17,000 – 0:41:23,000]慢慢的半年后就没有人再做面包了

[0:41:23,000 – 0:41:26,000]我不知道那个机器现在是放在仓库还是

[0:41:26,000 – 0:41:28,000]一样的像我的话

[0:41:28,000 – 0:41:29,000]我也是一样

[0:41:29,000 – 0:41:33,000]我之前买了一个espresso的机器

[0:41:33,000 – 0:41:36,000]当然也不是很贵了

[0:41:36,000 – 0:41:38,000]就是可以用

[0:41:38,000 – 0:41:41,000]那现在我用手冲咖啡

[0:41:41,000 – 0:41:45,000]我觉得手冲咖啡更好

[0:41:45,000 – 0:41:47,000]结果我那个espresso机器

[0:41:47,000 – 0:41:51,000]就被他recycle了丢掉了

[0:41:51,000 – 0:41:55,000]那之前我就买了一个juicer

[0:41:55,000 – 0:41:57,000]就是榨果汁机的

[0:41:57,000 – 0:41:59,000]那也喝了三个月

[0:41:59,000 – 0:42:02,000]后来发现榨果汁机对血糖不好

[0:42:02,000 – 0:42:04,000]结果那台机器也就浪费

[0:42:04,000 – 0:42:07,000]现在摆在那边很占空间

[0:42:07,000 – 0:42:10,000]所以我们就发现

[0:42:10,000 – 0:42:11,000]什么是需要

[0:42:11,000 – 0:42:13,000]还有很多东西

[0:42:13,000 – 0:42:15,000]百分之我想一半以上的东西买了

[0:42:15,000 – 0:42:18,000]最后都没有用

[0:42:18,000 – 0:42:20,000]所以所谓的简约生活

[0:42:20,000 – 0:42:23,000]不是说你很省

[0:42:23,000 – 0:42:24,000]不是

[0:42:24,000 – 0:42:27,000]是你要想一想这个东西买了之后

[0:42:27,000 – 0:42:29,000]半年之后会变什么样子

[0:42:29,000 – 0:42:32,000]还有你想想看你过去所买的东西

[0:42:32,000 – 0:42:34,000]当初说很需要

[0:42:34,000 – 0:42:38,000]结果现在不是躺在垃圾堆里吗

[0:42:38,000 – 0:42:41,000]所以这个就是所谓简约生活

[0:42:41,000 – 0:42:46,000]不是叫你做一个节俭的节省的人

[0:42:46,000 – 0:42:47,000]不是

[0:42:47,000 – 0:42:49,000]所以我后来就发现

[0:42:49,000 – 0:42:51,000]好好去吃顿饭

[0:42:51,000 – 0:42:52,000]好好去旅行

[0:42:52,000 – 0:42:54,000]那个绝对不会后悔

[0:42:54,000 – 0:42:57,000]可是你如果买一个东西

[0:42:57,000 – 0:42:58,000]搬进家里

[0:42:58,000 – 0:43:00,000]电器

[0:43:00,000 – 0:43:03,000]什么东西要在家里用

[0:43:03,000 – 0:43:07,000]通常物质的东西最后都垃圾

[0:43:08,000 – 0:43:11,000]只有精神的东西的花费

[0:43:11,000 – 0:43:13,000]不会不见

[0:43:13,000 – 0:43:16,000]好好跟家里的人吃顿美食

[0:43:16,000 – 0:43:19,000]花两百美金

[0:43:19,000 – 0:43:21,000]吃顿饭

[0:43:21,000 – 0:43:23,000]那个都不会浪费

[0:43:23,000 – 0:43:25,000]因为吃完就没了

[0:43:25,000 – 0:43:26,000]不会有结余

[0:43:26,000 – 0:43:27,000]不会有垃圾

[0:43:27,000 – 0:43:31,000]不会说过一段时间食物坏了

[0:43:31,000 – 0:43:33,000]不会

[0:43:33,000 – 0:43:35,000]可是你如果买一个很好的料理机

[0:43:35,000 – 0:43:37,000]买一个什么咖啡机

[0:43:37,000 – 0:43:38,000]买一个什么

[0:43:38,000 – 0:43:40,000]过一段时间你又不想用了

[0:43:40,000 – 0:43:42,000]又换一个方式

[0:43:42,000 – 0:43:44,000]那种什么机什么机的

[0:43:44,000 – 0:43:47,000]最后都没有用

[0:43:47,000 – 0:43:51,000]那个就是你要决定

[0:43:51,000 – 0:43:55,000]所以当你钱要花在旅游

[0:43:55,000 – 0:43:57,000]花在全家的聚餐

[0:43:57,000 – 0:43:59,000]花在这个

[0:43:59,000 – 0:44:02,000]用了之后可以

[0:44:02,000 – 0:44:07,000]保留出记忆跟美好回忆的

[0:44:07,000 – 0:44:08,000]都值得去花

[0:44:08,000 – 0:44:14,000]所以这个叫做提升精神能量

[0:44:14,000 – 0:44:17,000]物质真的是买了

[0:44:17,000 – 0:44:18,000]你买个大电视

[0:44:18,000 – 0:44:20,000]像我家买了个大电视

[0:44:20,000 – 0:44:21,000] Sony那时候最大的电视

[0:44:21,000 – 0:44:23,000]现在也很少打开了

[0:44:23,000 – 0:44:27,000]所以任何有形的物质

[0:44:27,000 – 0:44:31,000]通常要考虑再三

[0:44:31,000 – 0:44:33,000]能够不买就不要买

[0:44:33,000 – 0:44:35,000]但是你要去旅游

[0:44:35,000 – 0:44:37,000]去坐邮轮

[0:44:37,000 – 0:44:39,000]去吃美食

[0:44:39,000 – 0:44:41,000]带全家一起去喝个咖啡

[0:44:41,000 – 0:44:43,000]在全家去旅行

[0:44:43,000 – 0:44:45,000]这绝对值得

[0:44:45,000 – 0:44:48,000]因为过好几年大家都会记得

[0:44:48,000 – 0:44:52,000]什么时候去阿拉斯加的邮轮

[0:44:52,000 – 0:44:54,000]什么时候去欧洲旅行过

[0:44:54,000 – 0:44:56,000]什么时候去西班牙

[0:44:56,000 – 0:44:58,000]什么时候去葡萄牙

[0:44:58,000 – 0:45:00,000]跟同学去

[0:45:00,000 – 0:45:02,000]跟家里长辈去

[0:45:02,000 – 0:45:04,000]跟小孩子去

[0:45:04,000 – 0:45:05,000]小孩子都会记得

[0:45:05,000 – 0:45:07,000]什么时候去欧洲

[0:45:07,000 – 0:45:14,000]可是过去买的所有的机器都不见了

[0:45:14,000 – 0:45:16,000]那这个大家都要了解

[0:45:16,000 – 0:45:18,000]什么叫做提升精神能量

[0:45:18,000 – 0:45:19,000]什么是物质

[0:45:19,000 – 0:45:20,000]什么是精神

[0:45:20,000 – 0:45:21,000]消费

[0:45:21,000 – 0:45:23,000]这个要分点

[0:45:24,000 – 0:45:29,000]所以最后我们需要提升精神能量之后

[0:45:29,000 – 0:45:33,000]将金钱能量转成精神能量

[0:45:33,000 – 0:45:35,000]再从精神能量去

[0:45:35,000 – 0:45:37,000]投资

[0:45:37,000 – 0:45:40,000]持有更多的金钱能量

[0:45:40,000 – 0:45:44,000]这个就是一个资本家致富的循环

[0:45:44,000 – 0:45:46,000]这个就是正的循环

[0:45:46,000 – 0:45:48,000]而不是老鼠路

[0:45:49,000 – 0:45:51,000]所以这两个

[0:45:51,000 – 0:45:55,000]一个前面那个循环是老鼠龙

[0:45:55,000 – 0:45:57,000]劳工的老鼠龙循环

[0:45:57,000 – 0:46:01,000]这个循环是资本家的循环

[0:46:02,000 – 0:46:04,000]所以

[0:46:04,000 – 0:46:07,000]懂富有与钱的意义

[0:46:07,000 – 0:46:09,000]这个一定要懂

[0:46:09,000 – 0:46:11,000]我们最终有几百亿

[0:46:11,000 – 0:46:12,000]几千亿

[0:46:12,000 – 0:46:14,000]几万亿

[0:46:14,000 – 0:46:16,000]每年用个一亿

[0:46:16,000 – 0:46:17,000]其实不为过

[0:46:17,000 – 0:46:19,000]一点都不奢侈

[0:46:19,000 – 0:46:21,000]只要你认为这花的值得

[0:46:21,000 – 0:46:24,000]最好是能够花在精神上

[0:46:24,000 – 0:46:26,000]我们最终人离开

[0:46:26,000 – 0:46:29,000]钱只是继承者的遗产

[0:46:29,000 – 0:46:30,000]对一个离开

[0:46:30,000 – 0:46:31,000]对你来说

[0:46:31,000 – 0:46:33,000]其实都是垃圾

[0:46:33,000 – 0:46:34,000]无关紧要

[0:46:34,000 – 0:46:35,000]所以

[0:46:35,000 – 0:46:37,000]你就算有几百亿

[0:46:37,000 – 0:46:38,000]几万亿

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

[0:46:41,000 – 0:46:43,000]其实是最棒的

[0:46:43,000 – 0:46:45,000]最后

[0:46:45,000 – 0:46:47,000]人在天堂

[0:46:47,000 – 0:46:48,000]债在银行

[0:46:48,000 – 0:46:51,000]这是最佳最理想的状态

[0:46:51,000 – 0:46:54,000]为何不是现在将垃圾换成亲情

[0:46:54,000 – 0:46:56,000]为何不是将现在的垃圾

[0:46:56,000 – 0:47:00,000]换成你的人生精神能量

[0:47:00,000 – 0:47:03,000]所以我们要用钱

[0:47:03,000 – 0:47:05,000]去换亲情

[0:47:05,000 – 0:47:08,000]去提升精神能量

[0:47:08,000 – 0:47:12,000]让家里的人过得更好

[0:47:12,000 – 0:47:14,000]自己做很好的学习

[0:47:14,000 – 0:47:17,000]这是金钱最大的意义

[0:47:17,000 – 0:47:20,000]而不是一直累积资产

[0:47:20,000 – 0:47:22,000]那以后我会教大家

[0:47:22,000 – 0:47:25,000]你不用花自己任何一毛钱资产

[0:47:25,000 – 0:47:30,000]你还是可以过着非常舒适的生活

[0:47:30,000 – 0:47:33,000]借钱就是资本主义最高级的

[0:47:33,000 – 0:47:37,000]最高段的金融操作

[0:47:37,000 – 0:47:39,000]你如果不懂得借钱

[0:47:39,000 – 0:47:41,000]你顶多就是有钱而已

[0:47:41,000 – 0:47:44,000]你不可能变富豪的

[0:47:44,000 – 0:47:45,000]就好像一个公司

[0:47:45,000 – 0:47:47,000]如果不向银行借钱

[0:47:47,000 – 0:47:50,000]这个公司做不大是一样的

[0:47:50,000 – 0:47:55,000]但那你有的钱就是要花

[0:47:55,000 – 0:47:57,000]那像我现在过的日子

[0:47:57,000 – 0:47:58,000]所有缴税

[0:47:58,000 – 0:48:00,000]所有的生活费

[0:48:00,000 – 0:48:01,000]旅游费

[0:48:01,000 – 0:48:02,000]什么吃饭费

[0:48:02,000 – 0:48:03,000]什么费

[0:48:03,000 – 0:48:04,000]我刷卡完

[0:48:04,000 – 0:48:07,000]我都是借钱去缴钱

[0:48:07,000 – 0:48:08,000]缴卡费

[0:48:08,000 – 0:48:09,000]我都借钱

[0:48:09,000 – 0:48:11,000]我的资产一毛钱都不花

[0:48:11,000 – 0:48:14,000]甚至我说我那个Apple Card

[0:48:14,000 – 0:48:15,000]苹果的信用卡

[0:48:15,000 – 0:48:21,000]每个月给我退佣退三四百美金

[0:48:21,000 – 0:48:23,000]我一样拿去投资

[0:48:23,000 – 0:48:24,000]我这退佣的钱

[0:48:24,000 – 0:48:26,000]就可以赚更多的钱

[0:48:26,000 – 0:48:28,000]最后我赚的钱

[0:48:28,000 – 0:48:31,000]我花的钱都不用钱

[0:48:31,000 – 0:48:35,000]我讲过我花一百块钱

[0:48:35,000 – 0:48:38,000]我拿到两块钱的退佣

[0:48:38,000 – 0:48:42,000]一百块钱我借钱花

[0:48:42,000 – 0:48:45,000]最后我可能欠银行一千五百块

[0:48:45,000 – 0:48:47,000]可是我两块钱

[0:48:47,000 – 0:48:48,000]四十年后

[0:48:48,000 – 0:48:51,000]我可能可以有两千块三千块

[0:48:51,000 – 0:48:53,000]等于我花这一百块

[0:48:53,000 – 0:48:54,000]根本是不用钱

[0:48:54,000 – 0:48:58,000]这个以后我们慢慢再跟大家分享

[0:48:58,000 – 0:49:01,000]所以钱就是要花

[0:49:01,000 – 0:49:05,000]富有是天赋

[0:49:05,000 – 0:49:07,000]我们是很高兴花钱的

[0:49:07,000 – 0:49:09,000]因为钱是垃圾

[0:49:09,000 – 0:49:11,000]我们要用钱来换取

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

[0:49:14,000 – 0:49:16,000]我们需要健康

[0:49:16,000 – 0:49:17,000]我们有亲情

[0:49:17,000 – 0:49:19,000]我们有关系

[0:49:19,000 – 0:49:22,000]我们有致富的资产

[0:49:22,000 – 0:49:24,000]所以钱是垃圾

[0:49:24,000 – 0:49:28,000]那但是我们这一辈子不用去赚钱

[0:49:28,000 – 0:49:29,000]钱自然就来

[0:49:29,000 – 0:49:35,000]最后我们可以换得我们值得的人生

[0:49:35,000 – 0:49:37,000]好这是我们的频道了

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

[0:49:43,000 – 0:49:45,000]这是过去价值一元投资讲座

[0:49:45,000 – 0:49:47,000]当然像现在开始

[0:49:47,000 – 0:49:52,000]我们会有2026年价值十亿元的投资讲座

[0:49:52,000 – 0:49:57,000]那下一堂课

[0:49:57,000 – 0:50:04,000]我先预告一下

[0:50:04,000 – 0:50:09,000]下一堂课我们就是要讲指数基金

[0:50:09,000 – 0:50:13,000]那这个指数基金你可以看这个APP

[0:50:13,000 – 0:50:14,000]我跟大家讲

[0:50:14,000 – 0:50:18,000]我这就用iPad的APP

[0:50:18,000 – 0:50:22,000]这个Yahoo的APP好像在电脑没有

[0:50:22,000 – 0:50:25,000]电脑的那个用网页不好用

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

[0:50:27,000 – 0:50:29,000] iPad比较大了

[0:50:29,000 – 0:50:30,000]用手机太小了

[0:50:30,000 – 0:50:32,000]那这个QQQ

[0:50:32,000 – 0:50:34,000]你看QQQ

[0:50:34,000 – 0:50:39,000]那QQQ从最早

[0:50:39,000 – 0:50:44,000]它出来的时候最早是几年

[0:50:44,000 – 0:50:49,000] 1999年3月1号

[0:50:49,000 – 0:50:53,000]那时候是50块53块

[0:50:53,000 – 0:50:54,000] 53块

[0:50:54,000 – 0:50:57,000]现在672块

[0:50:57,000 – 0:50:59,000]那

[0:51:05,000 – 0:51:10,000] 672除以53块

[0:51:10,000 – 0:51:13,000]那涨12倍开根号

[0:51:13,000 – 0:51:16,000] 26年

[0:51:18,000 – 0:51:20,000]有10%这很标准

[0:51:20,000 – 0:51:22,000]所以这个回报率很标准

[0:51:22,000 – 0:51:24,000]所以大家知道

[0:51:24,000 – 0:51:29,000]虽然这个市场这样子波动

[0:51:29,000 – 0:51:32,000]市场非常波动

[0:51:38,000 – 0:51:39,000]市场非常波动

[0:51:39,000 – 0:51:41,000]你看这个市场很危险

[0:51:41,000 – 0:51:44,000]这样跌了85%

[0:51:44,000 – 0:51:50,000]这里有2008年次债风暴又跌下去

[0:51:50,000 – 0:51:53,000]可是这个风险很大

[0:51:53,000 – 0:51:55,000]你可能从2000年

[0:51:56,000 – 0:51:58,000]一直到

[0:51:59,000 – 0:52:03,000] 2015年才回本

[0:52:03,000 – 0:52:05,000]所以这就是投资长期的风险

[0:52:05,000 – 0:52:07,000]要有15年

[0:52:07,000 – 0:52:11,000] 15你可能会15年都处于亏损状态

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

[0:52:14,000 – 0:52:15,000]你这个就有风险

[0:52:15,000 – 0:52:17,000]所以我们要跟大家讲

[0:52:17,000 – 0:52:21,000]为什么投资很简单不容易

[0:52:21,000 – 0:52:24,000]有时候你会需要熬过这15年才能够回本

[0:52:24,000 – 0:52:26,000]那你如果在这里退休

[0:52:26,000 – 0:52:30,000]又没有像年轻人可以持续往下买进

[0:52:30,000 – 0:52:31,000]你这个风险

[0:52:31,000 – 0:52:34,000]所以要怎么样控制资产配置跟现金流

[0:52:34,000 – 0:52:35,000]能够度过这个风险

[0:52:35,000 – 0:52:37,000]尤其退休的朋友

[0:52:37,000 – 0:52:40,000]这未来我们会教大家做好资产配置

[0:52:40,000 – 0:52:42,000]所以下一堂课

[0:52:42,000 – 0:52:44,000]我们就要跟大家讲

[0:52:44,000 – 0:52:46,000]这指数基金的回报率

[0:52:46,000 – 0:52:47,000]指数基金的回报率

[0:52:47,000 – 0:52:49,000]那先预告一下

[0:52:49,000 – 0:52:50,000]好了

[0:52:50,000 – 0:52:56,000]那我想我们今天的第一堂课就先到这里了

[0:52:58,000 – 0:53:02,000]那有兴趣的可以看我们00451

[0:53:02,000 – 0:53:06,000]我们频道这个播放清单

[0:53:06,000 – 0:53:10,000]我们频道播放清单有很多节目

[0:53:14,000 – 0:53:16,000]我们频道

[0:53:20,000 – 0:53:23,000]我看一下这个

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

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

[0:53:33,000 – 0:53:35,000]那

[0:53:38,000 – 0:53:41,000]你可以搜寻CLC投资理财频道

[0:53:41,000 – 0:53:43,000]那这就是我们不要看上面

[0:53:43,000 – 0:53:45,000]那是炸那个那个

[0:53:45,000 – 0:53:46,000]那这我们频道

[0:53:46,000 – 0:53:48,000]然后我们频道有播放清单

[0:53:48,000 – 0:53:51,000]那都里面有很多很多的播放清单

[0:53:51,000 – 0:53:56,000]那你可以看这个价值一元投资讲座

[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]我看一下有一个价值一元投资讲座

[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]在这里面

[0:54:18,000 – 0:54:20,000]这里面有

[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]这里有所有的

[0:54:31,000 – 0:54:33,000]有所有的

[0:54:34,000 – 0:54:36,000]今天的讲课

[0:54:36,000 – 0:54:37,000]先看有所有的

[0:54:37,000 – 0:54:39,000]你们可以进去看

[0:54:41,000 – 0:54:43,000]好

[0:54:45,000 – 0:54:49,000]那今天的讲义会在这个YouTube的链接

[0:54:49,000 – 0:54:50,000]有留言区有链接

[0:54:50,000 – 0:54:51,000]我就会放上去

[0:54:51,000 – 0:54:53,000]那在各平台

[0:54:53,000 – 0:54:56,000]大家可以订阅按赞留言

[0:54:56,000 – 0:54:58,000]还有你可以

[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]在我们这一堂课里面

[0:55:03,000 – 0:55:05,000]你最想知道的事情

[0:55:05,000 – 0:55:08,000]还有前面这个资本家与劳工

[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]你也可以写下来

[0:55:10,000 – 0:55:12,000]那我以后可以把你们的资讯

[0:55:12,000 – 0:55:14,000]或者你们想知道的

[0:55:14,000 – 0:55:16,000]加到我们的

[0:55:16,000 – 0:55:17,000]课堂

[0:55:17,000 – 0:55:19,000]未来上课的内容

[0:55:19,000 – 0:55:23,000]那你如果对投资或者任何事情有问题

[0:55:23,000 – 0:55:24,000]你可以写Email给我

[0:55:24,000 – 0:55:27,000]这两个Email都是可以找到我

[0:55:27,000 – 0:55:28,000]联络到我

[0:55:28,000 – 0:55:30,000]也是我个人会

[0:55:30,000 – 0:55:32,000]会看的Email

[0:55:32,000 – 0:55:33,000]好

[0:55:33,000 – 0:55:37,000]那我想我们今天第一堂课

[0:55:37,000 – 0:55:40,000]价值10亿元的投资讲座的第一章节

[0:55:40,000 – 0:55:42,000]我们就先上到这里了

[0:55:42,000 – 0:55:43,000]好

[0:55:43,000 – 0:55:45,000]那下礼拜我想同一时间

[0:55:45,000 – 0:55:48,000]我们现在应该是预估

[0:55:48,000 – 0:55:51,000]台湾礼拜三早上

[0:55:51,000 – 0:55:58,000]美国礼拜二下午会发布价值10亿元投资讲座的课程

[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]那下礼拜见

[0:56:01,000 – 0:56:02,000]那每个礼拜六

[0:56:02,000 – 0:56:05,000]我们还是clubhouse还是会继续举行

[0:56:05,000 – 0:56:09,000]那个就现场的对话跟直播

[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