most people don't struggle with money because they're bad at math but because they usually don't have a plan figuring out how to come up with a plan can be a

大多数人不是因为数学不好而在金钱上挣扎，而是因为他们通常没有计划。

scary thing there's so much information and strategies being shared out there it's hard to know what to pay attention to so that's why I created this video so

想出如何制定计划可能是一件可怕的事情，有太多信息和策略在那里分享，

in this video I'm going to give you a 90day plan to reset your finances step by step so by the end of this you'll have a system for building your wealth

很难知道该关注什么，所以这就是我创建这个视频的原因。

and having a jump start to your financial Journey we're going to cover topics like investing the prioritization of your money after you get paid and how

在这个视频中，我将给你一个90天计划来逐步重置你的财务状况，

to save money on some of the biggest expenses of your life all right so let's get started 90 days is roughly 12 and 1/2 weeks or so so I thought it would be

所以到最后，你将有一个建立财富的系统，

easier to just break up this video and what you should do every single week week one is all about reviewing where you currently stand so before we can fix

并在你的财务之旅中有一个快速开始。

anything with your money we need to get super honest about where our money is going and how much money we have coming in every successful business I know that

我们将涵盖投资、你拿到工资后如何优先处理你的钱，

runs in this world has a sense of how much money they bring in AKA their revenue and how much they are spending also known as their expenses if you go

以及如何在生活中一些最大的开支上省钱等话题。

to a local McDonald's you better believe that they know intimately what their profit expenses and revenue look like on a daily basis so in week one what I want

好了，让我们开始吧。90天大约是12.5周左右，

to focus on is getting our lives to be coming as close to a successful business as possible and the simple action that we can take here is the following we're

所以我认为把这个视频和你每周应该做的事情分解开来会更容易。

going to pull up our last 3 months of statements so anywhere you've spent money in the past 3 months you want to pull these up on tabs on your computer

第一周完全是关于审查你目前的状况。

that means your bank accounts your credit card statements your debt payments any other discretionary expenses you've ever made try to pull that up somewhere so that you can see

所以在我们能修复任何与你的钱有关的事情之前，

them visually after that you want to categorize every expense and I would do so in the three major categories number one is fixed expenses so these are going

我们需要非常诚实地了解我们的钱去了哪里，以及我们有多少钱进来。

to be expenses that you have to pay every single month things like rent utilities car payments subscriptions and groceries number two are discretionary expenses so these are your wants so for

我认识的每一个成功的企业都知道他们带来了多少钱，也就是他们的收入，

example eating out traveling shopping anything that isn't necessary for you to run your life but it's still fun to spend money on and number three any debt

以及他们花了多少钱，也就是他们的支出。

payments you might might have like student loans or credit cards now ideally you log every expense and categorize every expense in a spreadsheet and you have a good sense of

如果你去当地的麦当劳，你最好相信他们清楚地知道

what categories you are overspending in versus what categories perhaps you aren't spending enough in what we really want to find out at the end of week one

他们的利润、支出和收入在每天的基础上是什么样子的。

is what our average spend is per category on a monthly basis then if we're able to know how much money we have coming in due to our income then

所以在第一周，我想关注的是让我们的生活尽可能接近一个成功的企业，

it's really easy to figure out what our savings rate is as a percentage in the business analogy we're figuring out how our expenses are broken out we know what

我们在这里可以采取的简单行动如下：

our revenue is coming in since that's our income but now we're just trying to figure out what money do we have left over AKA our net profit I promise that

我们要调出我们过去3个月的账单。

if you're able to do this exercise it will really open up a ton of insights about what your spending habits are you might even realize you might be spending

所以过去3个月你在任何地方花钱，你想在电脑上把这些调出来，

too much money on certain categories perhaps you spend too much money on Uber or you might be wasting money on a forgotten subscription so do this

这意味着你的银行账户、你的信用卡账单、你的债务支付、

exercise in week one and you're going to set yourself up very well for week number two and week number two is all about cutting the fat and by that what I

你曾经做过的任何其他自由支配支出。

mean is we want to focus on the lowest hanging fruit in order to save the most amount of money so what I would do is go

试着把它们调出来，这样你就可以看到它们。

through and sort your expenses from largest to smallest and I'm going to give you guys an example right here I'll put it up on the screen as you can see

之后，你想对每一项支出进行分类，

this person spends about $4,650 total on all of these categories including rent car insurance payments groceries eating out shopping Ubers utilities subscriptions bars and coffee

我会在三个主要类别中这样做：第一是固定支出，

you're going to then analyze each and every category and just simply ask yourself if there's something that you can do about that certain expense to

这些是你每个月必须支付的支出，比如房租、水电费、

reduce it 10 to 30% over the next 90 days in other words for this example that we have on the screen right here is it possible to get our total spend down

汽车付款、订阅和杂货。

$400 to $1,200 a month so with rent it might be pretty hard to do that it's the biggest expense on this list but it might not be easy to find a new place

第二是自由支配支出，这些是你的想要，

that's say $200 or $300 less per month and while you can negotiate with your landlord I would say in general most people aren't going to be doing that

例如外出就餐、旅行、购物，

just just straight up to be honest um you can also move locations to be somewhere further away or in a less competitive neighborhood but I also

任何对你的生活运行不是必要的，但花钱仍然很有趣的东西。

acknowledge not everyone wants to do that either but let's look around this hypothetical list some more where can we find some cost savings so right here

第三是任何你可能有的债务支付，比如学生贷款或信用卡。

there's $225 being spent on Ubers every single month I would personally ask myself why am I spending money on Ubers is it because when I go out on the

理想情况下，你在电子表格中记录每一项支出并分类每一项支出，

weekends I might be feeling a little bit too lazy to walk to my destination so therefore I call an Uber you want to try to identify the root habits that make

你对你在哪些类别中超支，以及哪些类别你可能支出不足有一个很好的感觉。

you spend money so in the case of uber perhaps this person just had no idea that they were spending that much on Ubers in the first place in that case

我们在第一周结束时真正想找出的是

it's probably really easy to cut down on this category by at least $100 a month you could even eliminate it all together if you really focus on just traveling

我们每个类别在每月基础上的平均支出是多少。

everywhere by foot or by public transportation and you'd probably save closer to $225 a month when it comes to the car and insurance payment here at

然后如果我们能够知道由于我们的收入，我们有多少钱进来，

750 a month that's another easy place to reduce your spend most people don't call around to different insurance providers looking at different offers but if

那么很容易计算出我们的储蓄率是多少百分比。

you're able to compare Insurance offers across different providers that could be another easy way to save around $100 a month I will link an insurance

在商业类比中，我们正在找出我们的支出是如何分解的，

comparison website down below in the description where you can easily check to see some of the offers in your area and see if you can save some money that

我们知道我们的收入是什么，因为那是我们的收入，

way the next categories that seem a little easier to tackle are shopping and eating out so can you just do a little bit less of each of these categories per

但现在我们只是试图找出我们剩下多少钱，也就是我们的净利润。

month you might be able to save between $50 to $100 in each of these categories on a monthly basis and that'll give you another $100 to $200 of monthly savings

我保证，如果你能够做这个练习，

for subscriptions cancel any subscriptions that you barely use and then you can see that as we go down this list if we simply pay attention to where

它将真正打开大量关于你的消费习惯是什么的见解。

our money is going throughout the month we're probably able to cut out unnecessary expenses so long as we ask ourselves the important questions questions like hey is this an important

你甚至可能意识到你可能在某些类别上花费太多钱，

and necessary expense in my life and if the answer is no to that question perhaps we can just hold off on that expense and save ourselves some money in

也许你在Uber上花费太多，或者你可能在忘记的订阅上浪费钱。

the long run if you're able to cut out $400 a month that's $4,800 that you can save in a year which can either compound really nicely for you in the future or

所以在第一周做这个练习，你会为第二周做好很好的准备。

it's an extra flight to Europe or perhaps a Roth IRA contribution or even more money that you can put towards debt so week one and two are all about

第二周完全是关于削减脂肪，

reducing our spend and knowing intimately what our spend is but week three is all about automation I would also call this paying yourself first the

我的意思是，我们想专注于最低的果实，

first thing I do here is open up a high yield savings account for short-term savings and make sure you're getting the competitive market rates out there so

以节省最多的钱。

right now as of recording it's between 3.8 to 4% this will serve as the main place you save your short-term cash anything you're holding for 1 to 5 years

所以我要做的是，按从大到小排序你的支出，

as an example $10,000 in a high yield account earning 4% is an extra $400 per year year so that's free additional money you can unlock for an easy 5 to 10

我要给你们一个例子，我会把它放在屏幕上。

minutes of setting up an account all right then you're going to set up automatic transfers so that whenever you get paid certain percentages of your pay

正如你可以看到的，这个人在所有这些类别上总共花费了大约4650美元，

goes automatically towards your goals and this simple Act of automating your finances is going to be one of the most single important things you do because

包括房租、汽车保险付款、杂货、外出就餐、购物、Uber、

it's going to take out all the hassle and friction of managing your money so here's what I do personally I get paid once a month on the 21st and when that

水电费、订阅、酒吧和咖啡。

happens the money gets deposited into my main checking account all my usual spending for the month will come out of that checking account so that includes

然后你要分析每一个类别，

my bills necessities and discretionary spending but here's the genius of automation because in my online banking I set up two automatic transfers whenever I get paid to move a preset

只是简单地问自己，对于那项特定支出，你是否可以做些什么

portion of my paycheck into other accounts before I even get a chance to spend it you can decide what this percentage looks like for you but I find

在接下来的90天内将其减少10%到30%。

that if you can automate at least 10% of your take-home pay into your high yield saves account and an investment account so perhaps 5% to each one that it's

换句话说，对于我们在屏幕上看到的这个例子，

going to be super beneficial for you in the long run and you'll be be doing way better than most Americans now psychologically this works because you

是否有可能将我们的总支出每月减少400到1200美元。

won't be tempted to spend the money because it automatically gets deducted before it even hits your checking account it's kind of like having a 401k

所以对于房租，可能很难做到，它是这个列表上最大的支出，

you never see that you're investing in the 401K so you never touch that money all right week four is here and you're about onethird of the way through this

但可能不容易找到一个每月少200或300美元的新地方。

90-day program and the goal for week four is to have a plan for any Consumer Debt so if you have high interest rate debt like credit card debt we need to

虽然你可以与你的房东协商，我会说总的来说，

figure out how much the total is and have a plan to pay it off as soon as possible if you go online and search for

大多数人不会这样做，老实说。

a credit card calculator you can input your credit card balance and what you pay every single month if you pay an extra 5075 or even $100 per month you

你也可以搬到更远的地方或竞争较少的社区，

can save a lot of money on your total interest payments as well as reduce your payoff date by a lot in this example alone right here on the screen we would

但我也承认不是每个人都想这样做。

save eight months of our payments if we're able to increase our payment per month by $75 on a $2,500 credit card balance you can set up automatic

但让我们再看看这个假设列表，我们在哪里可以找到一些成本节省。

payments when it comes to debt payoff so that you can kill it off as quickly as possible as well another big action item if you have credit card debt is that I

所以在这里，每个月在Uber上花费225美元，

will always encourage you to call your credit card company and ask them if they can lower the interest rate on your card even if it's just for a short period of

我个人会问自己，为什么我在Uber上花钱？

time you can bring up that other credit cards have competitive interest rates and that you've been a really loyal customer often times the credit issuer

是因为当我周末出去时，我可能感觉有点太懒，

will just lower your interest rate even if it's just for a temporary period because they want to keep your business but this can also save you hundreds if

不想走到目的地，所以我叫了Uber。

not thousands of dollars in interest alone the worst case is that they say no and that's okay but you won't know until you ask and this will literally Take 5

你想尝试识别让你花钱的根本习惯。

minutes and could save you a lot of money money the average credit card APR is over 21% these days so either making payments on this debt or getting your

所以在Uber的情况下，也许这个人根本不知道他们在Uber上花了那么多钱。

debt interest rate lowered is going to be an instant return on your investment all right now in week five your goals start to change and the week five goal

在这种情况下，可能很容易将这个类别每月至少减少100美元，

is going to be getting your emergency fund to $1,000 $1,000 is a significant number because it's when your bank account actually crosses the four-digit barrier which psychologically should

如果你真的专注于只是步行或乘坐公共交通工具到处走，

make you feel pretty good consider that 59% of Americans can't even afford a $1,000 emergency expense that means it's probably a good goal to aim for if you

你可能每月节省接近225美元。

already have $11,000 in your emergency fund and you're watching this video then your goal for this week should be to get your emergency fund to 3 to 6 months of

当谈到这里的汽车和保险付款，每月750美元，

living expenses saved up or at least have a plan to do so for the majority of people though the first step of getting to that $1,000 is a huge psychological

这是另一个容易减少支出的地方。

win and it also gives you that peace of mind in order to get there faster you can sell things you don't use like old electronics clothes or furniture or you

大多数人不打电话给不同的保险提供商，查看不同的报价，

can pick up a side hustle for extra cash another way to do it is that based on your expenses from Week 1 and week two

但如果你能够比较不同提供商的保险报价，

you can redirect any savings that you made towards your emergency fund lastly just make sure that the emergency fund is being held in a high yield savings

这可能是每月节省大约100美元的另一种简单方法。

account so that it earns interest for you some of my favorites include wealthfront Sofi or Ally all right breezing right along into week six the

我会在下面的描述中链接一个保险比较网站，

goal of week six is to set up your Investments investing in stocks have produced the best returns over the past 100 years compared to other assets and

你可以在那里轻松查看你所在地区的一些报价，看看你是否可以省一些钱。

commodities so I'm going to put up on the screen one of my favorite short videos by Max clco in which he goes to Wall Street and asks people what they

下一个似乎更容易处理的类别是购物和外出就餐，

think the top 10 Investments are over the past 100 years in terms of their return crypto and equities is that what you're looking for number one is stocks

所以你能每个月在每个类别中少做一点吗？

with 5.2% you can see that stocks has the highest average annual return compared to other Investments like treasury bonds Fine Art and other Commodities like Precious Metals like

你可能能够在每个类别中每月节省50到100美元，

gold real estate surprisingly comes in at number 10 at 3% over the long term stocks have the most potential to transform your life because they have

这将给你另外100到200美元的每月储蓄。

the highest chances of capital gains and whenever I interview or talk to someone with a very high net worth they all agree that in order to build your wealth

对于订阅，取消你几乎不使用的任何订阅，

you need to concentrate the money you do have into appreciating assets so for our 90day reset plan will want to start investing in the S&P 500 via index funds

然后你可以看到，当我们沿着这个列表往下走时，

and ETFs an S&P 500 ETF gives you exposure to a diversified portfolio of hundreds of the top us companies with one single purchase this is a passive

如果我们简单地关注我们的钱在整个月去了哪里，

strategy you just said it and forget it and you basically are relying on the Market's historical average returns of 8 to 10% over time you can invest in the

我们可能能够削减不必要的支出，

S&P 500 ETF by opening up a brokerage account at Vanguard Fidelity Schwab N1 Finance Etc and then you want to allocate a portion of your automated

只要我们问自己重要的问题，比如，嘿，这是重要的

savings to go into these brokerage accounts and then make sure you're just simply buying an S&P 500 ETF on a regular basis this is a very lowcost way

和必要的支出在我的生活中吗？

to get invested and it's simple because all you have to do is invest in that one fund look at this table of investing you can see that if you invest 100500 or

如果答案是否定的，也许我们可以推迟那项支出，

$1,000 per month what your final balances will be by just getting the average market returns of 8% investing $1,000 a month for 30 years for example

从长远来看为自己省一些钱。

will get you a final balance of $1.49 million after all is said and done the most important thing when it comes to having an investing plan is to stay

如果你能够每月削减400美元，那就是4800美元，

consistent with it and Trust the process and over time your money will grow upon itself and that's the beauty of it okay in week number seven we're going to find

你可以在一年内节省，这可以在未来为你很好地复利，

ways to level up our income in this video we've talked a lot about cutting expenses and automating what you make already but another thing we want to

或者是一张去欧洲的额外机票，或者可能是Roth IRA的贡献，

really make sure we're focusing on is increasing our income in there are are a few options that you can consider when it comes to this so number one you could

或者甚至更多你可以用于债务的钱。

simply ask for a raise this is especially true if you haven't gotten a raise in over a year and now if it's been longer than 2 years you definitely

所以第一周和第二周都是关于减少我们的支出，

need to say something to your employer because the rate of inflation has just been reducing your purchasing power this whole time you can research salaries

并清楚地知道我们的支出是什么，但第三周完全是关于自动化。

online and just present your case and even if you don't get it at least you asked but still you want to make sure you're getting paid what you're worth

我也会称之为先付给自己。

I've even made a YouTube video about how job hopping every two years or so can make you 30 to 40% more of your salary every time you switch obviously this is

我在这里做的第一件事是为短期储蓄开一个高收益储蓄账户，

very situational but if it does apply to you it could be another way to increase your income very fast the second way I would try to increase my income is to

并确保你获得有竞争力的市场利率。

start a side hustle you could freelance you could flip stuff on Facebook Marketplace or you can do a service based side hustle like watching dogs or

所以现在，截至录制时，它在3.8%到4%之间。

perhaps door Dash and a third option to consider is to learn a high income skill like coding video editing sales or design the point of week seven is that

这将作为你保存短期现金的主要地方，

you are focused on growth rather than just cutting costs you can only cut a certain amount of cost but there's no limit on how much you can earn so by the

你持有的任何1到5年的东西。

end of week seven we should be able to identify one thing that can help us make more money moving forward in the next few weeks all right in week eight we

例如，在高收益账户中存入10,000美元，赚取4%，

want to Define and write down a savings goal for the rest of the year we've talked about many different goals in today's video already like having a

每年额外400美元，所以这是免费的额外钱，

stocked emergency fund having an investing account and paying off debt you could have other goals for saving like perhaps you save for a down payment

你可以通过简单的5到10分钟设置账户来解锁。

on a house or save money for a wedding whatever your goal is in week eight you want to write down this savings goal along with how much you think you would

然后你要设置自动转账，

need to hit that goal so for example if you want to have $8,000 in your emergency fund and you're currently at $11,000 you would need the difference of

这样每当你拿到工资时，你工资的某些百分比

7K over the next year or so that means every month for the next year you would need to save $583 towards your emergency fund to hit that goal which may or may

会自动用于你的目标。

not be possible depending on your situation but the mere existence of writing down your goal will increase the likelihood you achieve it by 42% that

这个自动化你的财务的简单行为

stat comes from a study by a psychology Professor who found that the people who wrote down their goals made a plan and share them with a friend were

将是你做的最重要的单一事情之一，

significantly more likely to accomplish them compared to those who only thought about their goals so after you write down your savings goal tell your parents

因为它将消除管理你的钱的所有麻烦和摩擦。

tell your friends tell the internets that way you're more likely to hit that goal in the future all right so that was week eight but let's talk about week

所以这是我个人做的：我每月21日领一次工资，

nine now week N is a little bit different because we're talking about credit cards credit cards are a dangerous double-edged sword because it's the one category of personal

当那发生时，钱被存入我的主要支票账户。

finance where you need to know yourself very intimately so let's talk about whether or not not you should be using a credit card so if you are somebody who

我本月所有通常的支出将从那个支票账户中出来，

has a lot of self-control then the dream scenario is that you get a credit card and you run all of your purchases through it every single month you pay

所以这包括我的账单、必需品和自由支配支出。

that off in full and that's the best case scenario and if you're able to do this every single month you will get rewarded handsomely for it you'll get

但这是自动化的天才之处，因为在我的网上银行中，