內容來自於 Dan Lok 的影片How to manage your money like the rich? 如何像有錢人一樣管理錢財？
- It’s not how much money you make, It’s how much money you keep. It’s not how much money you keep, It’s how well you invest your money. 不是你賺多少錢，而是你存下多少錢，也不是你存多少錢，而是你投資了多少錢。
- It’s the habit that more important, not the amount. 你的理財習慣比你賺多少金額還重要。
- Broke people believe that money only have one job which is to spend. 破產的人相信錢只有一個功能就是花錢。
- People who are a little bit smarter know money has to job which is to spend and to save. 有一點點聰明的人，知道錢有2個功能一個是花錢另一個是存錢。
- The really smart ones, they know that money has three jobs, which is to spend and also to save, and invest. 真的聰明的人，認為錢有3個功能就是花錢、存錢和投資。
- The very wise people, they know that money has four jobs, which is to spend, save, invest and donate. You look at Warren Buffet, you look at Bill Gates. This is from the book The Richest Man in Babylon.真正有智慧的人，認為錢有4個功能就是花錢、存錢、投資和捐錢。你看如華倫巴菲特、比爾蓋茲等。其實這是從一本書叫最有錢人巴比倫。
When the money come in. You divide it into five buckets. 當錢進來時，你把它分成5個水桶：
- The first bucket is what I call your necessities bucket. This is where you pay for your bills. I would say it’s 60% of your money.第一個桶子，我們把它叫做必需的花費，我們會說6成的錢都放在這個桶子裡。
- The next bucket I would call emergency bucket. Then 10% of your money goes into this bucket. It could be a medical expense or something happen in your family there. Do not touch this money. 另一個水桶，我會叫做緊急用的水桶。10%你賺的錢就存在這個水桶裡。這有可能是你的醫藥花費，或者你家人臨時有發生甚麼事。千萬不要碰這筆錢。
- The third bucket is the investment bucket. That is also 10% of your money. This is your future and your retirement. 第3個水桶是投資。這個一樣也是你的錢的10%，這個是你的未來，你退休要用的錢。
- Then you have 10% is , what I call, your learning bucket. This is where you learn your skills. 然後你還有10%是你的學習桶子，這個就是比如你要學技術等。
- Then you have 10% call your fun bucket. 然後你有10%是你的娛樂用的桶子。
結論:
如果我們不好好管理我們的錢財，就算賺再多的錢都沒有用的，因為那只是左手進，右手出，記住你不理財，財也不會理你的，很多有錢人都是會投資理財的，但很多的窮人都是過卡債族，你的習慣決定你的未來，你老了想過甚麼樣子的生活，別再想養兒防老了，你應該要改成理財防老。
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