The average person in the UK has only 11 weeks income saved in the bank.
在英國，一般人在銀行的存款數(shù)相當(dāng)于他們 11 周的所得總數(shù)。
How much do you have saved?
你目前存了多少錢？
How long could you live for if your paycheck stopped coming in?
如果你沒有薪水進(jìn)帳，你能夠支撐多久？
Maybe you've never thought of that,
或許你從來都沒有想過這個(gè)問題，
and it might be a little bit scary to think about.
又或許光是想到這點(diǎn)，就令人感到害怕。
Today, I'm going to share with you about passive income,
今天，我要和你們分享一下關(guān)于被動收入，
and how to design your dream life through building up your passive income's dreams.
以及如何通過建立被動收入來實(shí)現(xiàn)你的夢想人生。
Designing your dream life through passive income, that's a big claim.
通過被動收入實(shí)現(xiàn)你的夢想人生，那是個(gè)很重要的主張。
Wish me luck!
祝我好運(yùn)！
Why is passive income important to us?
為什么被動收入對我們而言很重要？
And what is it?
而它又是什么？
In October 2012, I knew absolutely nothing about passive income.
在 2012 年的 10 月份時(shí)，我完全不知道被動收入是什么，
I was here, it's like you've said, I was at B Block, Derwent uni,
我當(dāng)時(shí)在這里，像你們講的，我在德溫特大學(xué) B 棟，
and I knew nothing about passive income.
而我對被動收入一無所知。
I knew how to make income.
我知道如何賺錢。
I knew that you go and swap your time for money,
我知道你必須用時(shí)間換取金錢，
that's called active income or earned income.
那是所謂的主動收入或是賺取收入。
It's what you do when you get a job, and that's what 99% of us in the world do.
這就是你有工作時(shí)會做的事，而這也是全世界百分之九十九的人在做的事。
The opposite of that is passive income, or recurring income.
反之則是被動收入，或是經(jīng)常性收入。
It's where you do the work once, and you continue to get paid recurrently for very little or no actual work.
它是當(dāng)你完成一次工作，而之后只要以少量或甚至不需要做任何工作就可以持續(xù)的獲得報(bào)酬。
When your passive income, the recurring income, exceeds your cost of living what you spend on food, utilities, petrol, all that kind of stuff,
當(dāng)你的被動收入或經(jīng)常性收入，超越你的生活開銷，也就是你花在食物、水電、汽油這些東西上的費(fèi)用。
when your passive income exceeds your cost of living, then you were financially free.
當(dāng)你的被動收入超過你的生活開銷，那你就獲得財(cái)務(wù)自由。
If you happen to lose a job or not get a paycheck, you can live infinitely forever.
假使你碰巧失去了工作或是沒有得到工資，你可以永遠(yuǎn)的存活下去。
Now, why is that important? So this is a question, get ready for it.
那么，為什么這點(diǎn)很重要？所以這是一個(gè)問題，準(zhǔn)備好了嗎？
Let's have some audience participation.
大家一起來參與一下。
Can you think of reasons why your paycheck would stop coming in?
你能想到為什么薪水會停止入賬的原因嗎？
You break a leg. Perfect!
你摔斷腿，沒錯(cuò)！
So you're sick, or you're incapacitated, you can't swap your time for money.
所以你生病、或者你無法勝任，你無法以時(shí)間換取金錢。
Thank you.
謝謝你！
Anybody else?
其他人呢？
You get fired? Fantastic, perfect! Has anyone been fired in the room?
你被炒魷魚？很棒，很好！在場的各位有人被炒魷魚過嗎？
Perfect!
非常好！
Anybody else got any other ones? Yeah.
還有人有其他的答案嗎？
Awesome, that's a really good point.
太棒了，這是個(gè)很好的論點(diǎn)。
So your industry changes; that could be a global financial crisis, or it could be modernization.
所以你的產(chǎn)業(yè)轉(zhuǎn)型；這可能是全球性的金融危機(jī)，或是現(xiàn)代化。
Things like that Lehman Brothers collapse, or the mining industry, or steel; structural changes that can affect us.
像是雷曼兄弟垮臺的事件，礦業(yè)或鋼鐵業(yè)的；結(jié)構(gòu)改變是會影響到我們的。
That might have nothing to do with your competency at your job.
那或許和你工作的能力無關(guān)，
You might also be taken over by a new firm.
你的位置或許會被新公司的人占走。
There's a merger, and there are two of you at the same job.
就是并購后，會有兩個(gè)人的職務(wù)重迭，
And you're made redundant.
那么你就成為那個(gè)多余的人，
Or maybe you just fall out of your boss, and he asked you to trot along your way.
又或許你和你的老板意見分歧，所以他請你走人，
It may not actually be due to your competency whatsoever.
這或許和你的能力毫無關(guān)系，
That's not a great position to be in, is it?
但那不是一個(gè)太好的處境，對嗎？
If your financial security is effectively based on circumstance, or things that might be out of your control.
如果你的財(cái)務(wù)安全的根基在環(huán)境，或你無法掌控的事情上。
So when I was at uni, I just finished my second year, I got a first, which was great, in PPE.
當(dāng)我在念大學(xué)的時(shí)候，我剛讀完大二，我在哲學(xué)、政治學(xué)、經(jīng)濟(jì)學(xué)都得了第一名，真的很棒。
And I tried. . . I took a few years to get to uni. I tried banking - I tried Citigroup in Canary Wharf. I tried accountancy, I tried law, I tried sales, IT sales, PR, then I've tried Procter & Gamble.
然后我嘗試...我花了幾年才進(jìn)入大學(xué)，我做過銀行業(yè)務(wù)，在金絲雀碼頭的花旗銀行，我做過會計(jì)、法律、銷售、信息科技銷售、公關(guān)，然后我也嘗試了寶潔公司的工作。
I had this long list of proper jobs of what I thought respectable people go and do these things. I tried working with children. And I really enjoyed it, I didn't dislike the jobs. I liked the people I was working with, so if you're watching, please, don't think I didn't.
我可以列出一張很長的工作清單，是我認(rèn)為可敬的人會去做的事情。我試過和孩子們一起工作，我非常享受，我并沒有討厭這些工作，我喜歡曾和我一起工作的人們，所以如果你們正在收看，請不要認(rèn)為我不喜歡你們。
But it didn't light me up.
但那并沒有讓我開心。
I couldn't see myself spending the next 45 to 50 years, so what is the retirement age now?
我無法想象自己繼續(xù)工作 45 到 50 年，那現(xiàn)在的退休年齡是幾歲呢？
Is it 65 or 67?
是 65 還是 67 歲？
What happens when we get to that age now?
當(dāng)我們到了那個(gè)年紀(jì)的時(shí)候會發(fā)生什么事？
75, 80, 100? Who knows!
75、80、100 歲？誰能夠知道！
I couldn't spend the next 50 years of my life doing this thing.
我無法浪費(fèi)未來的 50 年人生在做這件事。
I remember Procter & Gamble, they said to me on my final day, in Hornbeam Park, Harrogate.
我記得寶潔公司，他們在我上班的最后一天告訴我，就在位于哈羅蓋特的 Hornbeam 公園那的辦公室。
They said, "We want to offer you a job when you finish uni, but we're not quite sure if it's right for you".
他們說：「我們想要在你大學(xué)畢業(yè)時(shí)提供你一份工作，不過我們不確定這工作是否適合你」
And I thought, "Well . . ." you know, I didn't know how to take that.
然后我想：「這個(gè)嘛...」你知道的，我不曉得要如何回應(yīng)。
They said, "Just pop out the room. We'll bring in the other boss, and we'll have a chat".
他們告訴我：「你可以離開了，我們將請另外一個(gè)老板進(jìn)來，然后我們要談一談」
When I came back in there I was smiling.
當(dāng)我再進(jìn)去時(shí)，我臉上帶著微笑，
They were like, "What are you doing smiling? You know, we sort of saying we don't really want to offer you the job".
他們說：「你在笑什么呢？你知道我們在想我們并不是很想要提供你這份工作」
I said, "No one has ever said that to me".
我回答：「從來沒有人對我這樣說」
I thought it in my head.
我在腦海里想著，
I thought I can't do this, but I didn't know there was an alternative.
我認(rèn)為我無法勝任這份工作，不過我并不知道我還有其他選擇。
It took someone else to say it to me, to say, "You know what? They're right. I can't do this".
直到有人告訴我，我才明白「你知道嗎？他們是對的，我的確做不來」
So, as scary as that was, it's like I'd shut that door, and now it was like, "Well, let's start something from fresh, what can I do"?
因此，雖然感到很恐懼，就好像我將那扇門關(guān)上，而現(xiàn)在就像是，「那就從頭來過吧，我能夠做什么呢？」
So I went home that night and started googling, as any self-respecting person does when they're faced with a life crisis: they jump on Google.
所以當(dāng)晚我回到家里便開始谷歌搜尋，就像任何有自尊心的人在面對人生難題時(shí)候一樣：他們求助于谷歌。
I started discovering terms like, 'how can you be your own boss, ' 'passive income', 'wealth creation, ' and words I've never come across before.
我開始發(fā)現(xiàn)一些術(shù)語，像是「如何做自己的老板」、「被動收入」、「創(chuàng)造財(cái)富」，和一些我從沒見過的字句，
I started to read, and I've read about real life case studies, not billionaires or these incredibly talented people but normal people who had picked a strategy,
我開始閱讀，并看了很多關(guān)于真實(shí)生活的案例研究，不是億萬富翁，也不是那些才華洋溢的人而是一個(gè)決定了策略的普通人，
there are lots of ways of bringing in passive income.
有很多方法可以帶來被動收入。
I chose property, but there are a lot.
雖然我選擇的是房產(chǎn)，不過方法其實(shí)還有很多種。
They said about taking work, that's taking action.
他們談到付諸行動這點(diǎn)，
Is it get-rich-quick overnight? No.
這能夠讓你一夜致富嗎？不能。
If anybody tells you it is, the only way of doing that is the lottery, alright?
如果任何人告訴你可以，唯一的方法是樂透，對嗎？
But it can't be get rich fast whatever that is for you: months, years, it doesn't take long.
但它不能夠快速致富無論你的方法是什么，幾個(gè)月或幾年都好，這不會花太久時(shí)間。
Continual sustained action can get you the results you want.
持續(xù)保持的行動可以讓你達(dá)到想要的結(jié)果，
So I read loads of books, I thought: "Great".
因此我讀了很多書，我心想：「太好了」
They asked me, "A master like in uni"? I was like, "I'm reading other stuff".
人們問我：「你是念碩士嗎？」我說：「我念的是其他的東西」
I went along to these. . .
我附和這些談話，
I chose property, it resonates with me, but as I said, you don't have to pick property.
我選擇房產(chǎn)，因?yàn)樗臀耶a(chǎn)生共鳴，不過如同我所說，你不一定要選擇房產(chǎn)。
I went along to these events where I met normal people.
我參加很多活動，在那里我遇到的都是一般人。
I remember a guy called Trevor - a normal guy came across property.
我記得一個(gè)叫崔佛，一個(gè)恰巧走入房地產(chǎn)的普通男子，
Boom! He had 30 or 60 other houses, whatever it was, and I was like, "Well, if he can do it, I can do it, too".
他擁有 30 還是 60 間房子，不管到底是幾間，然后我想，「如果他能夠做得到，那么我也可以。」
So I spent my student loan, and I took out a credit card.
所以我用了學(xué)生貸款，拿出我的信用卡，
I invested in myself to learn what to do; I invested myself.
我投資自己學(xué)習(xí)如何去做；我投資自己。
To cut a long story short, I started with no money.
長話短說，一開始我沒有錢，
I had no knowledge or education in this kind of stuff.
也沒有關(guān)于房產(chǎn)的知識或教育。
Two years later, I had paid off every investor I borrowed from, own 24 houses, with the portfolio worth 3.5 million quid, and I won a few national awards.
2 年以后，我償還了所有借款給我的投資者，擁有 24 間房子，我的投資組合價(jià)值 350 萬英鎊，并且我贏得一些國家獎(jiǎng)項(xiàng)。
That doesn't mean I'm special at all.
那并不代表我有什么特別。
I think the biggest thing I want to get across is anyone can do it, it's a strategy.
我想我所要傳達(dá)最重要的事是每一個(gè)人都做得到，它是種策略。
If someone happens to get a degree, it doesn't mean they're an absolute legend.
如果有人得到一個(gè)學(xué)位，并不代表他們就絕對是個(gè)傳奇。
They've just done what they've been told.
他們只是做了他們被要求做的事情。
They've rocked up to the classes, done the homework and got the result, whether it happens to be the first or 21 or 22, you get a degree.
他們?nèi)ド险n，做作業(yè)并得到成績，無論是第 1 名或是 21 還是 22 名，都能得到學(xué)位。
And it's the same with wealth creation stuff.
這和創(chuàng)造財(cái)富的道理是一樣的。
Some people are blessed with natural ability, and that might get them there a little bit quicker.
有些人擁有與生俱來的能力，而那或許讓他們能夠更快地達(dá)到目的，
But anyone can achieve the same results.
但任何人都能夠達(dá)到相同的結(jié)果。
The reason I wanted to get into this stuff was because I didn't like through I was heading down.
我想要談?wù)撨@個(gè)的原因是因?yàn)楫?dāng)時(shí)的我不喜歡自己前進(jìn)的方向。
Unfortunately, for people in the UK, 60 to 70% of people don't like their job; 60 to 70% of people don't like their job.
不幸的是，英國人口中，有 60% 到 70% 的人們并不喜歡他們的工作；60% 到 70％ 的人們不喜歡他們的工作。
And of that, a third of them hate their job.
在那其中又有三分之一的人憎恨他們的工作。
So out of 100 people, whatever it is in this room, 25 people hate their job; but you don't have a choice.
所以在 100 個(gè)人當(dāng)中，無論現(xiàn)在這個(gè)房間里有多少人，有 25 個(gè)人憎恨他們的工作；不過你沒有選擇。
If you don't know anything different, you have to go and swap your time for money.
如果你不知道你還能夠做什么其他的事，你就是必須以時(shí)間來換取金錢。
You've got bills, you've got a mortgage, you've got to look after the children, you don't have an option.
因?yàn)槟阌匈~單要付、你有貸款、你還要照顧孩子，你沒有選擇。
Often, we work so hard in the day, that we're knocked at the end of the day, or we don't have the headspace to start thinking about other things.
當(dāng)我們白天努力上班一整天過后，通常在下班時(shí)已經(jīng)疲累不堪，我們根本沒有腦容量再去開始思考有關(guān)其他的事情。
I didn't want to be in that position.
我并不想變成那樣，
The further you are down the line. . .
你越是往那里走去...
For you, students out there: this is the perfect time to take action - now.
就是你，在這里的學(xué)生們：現(xiàn)在是做出行動的最好時(shí)刻－就是現(xiàn)在。
You've got the time to really check this stuff out because I found that the older people get, they tend to maybe have a few more limiting beliefs or barriers.
你有時(shí)間去好好的了解這件事，因?yàn)槲野l(fā)現(xiàn)人們年紀(jì)越大，他們似乎就會有更多的限制信念或障礙。
Everyone has the same ability.
每一個(gè)人的能力是一樣的。
In fact, older people have more ability, because they have more life experience, but there might be other commitments there that block them in their brain from doing it.
事實(shí)上，年紀(jì)較大的人擁有更多能力，因?yàn)樗麄冇胸S富的人生閱歷，不過他們也會有更多的義務(wù)阻擋他們的大腦去這么做。
That's the hardest thing need to overcome, is your limiting beliefs in your head.
最艱難且需要被克服的事就是你腦中的限制信念。
Passive income from property is one way, but you can choose network marketing, like Forever Living or Utility Warehouse - that kind of stuff.
來自房產(chǎn)的被動收入是一個(gè)方法，但是你也可以選擇網(wǎng)絡(luò)營銷，像是 Forever Living 或是 Utility Warehouse 那一類的東西。
You start to sell, you then build up a team of people selling for you, and eventually, they're all making money for you; you're not doing any work,
你開始銷售，然后建立一個(gè)團(tuán)隊(duì)替你販賣，到最后他們都在替你賺錢。你沒有做任何工作，
You've got affiliate marketing where you drive traffic to websites and you make commission off all the purchases.
你有聯(lián)合營銷讓你在網(wǎng)絡(luò)上進(jìn)行交易，并在每一筆交易中賺取傭金。
What else have we got?
我們還有什么其他的方法？
Owning a business: if you're not working in a business, you're not self-employed.
擁有一個(gè)企業(yè)：如果你不是從商，你不是自雇人士；
if you are, you are not really a business owner because you're still swapping your time for money like a plumber unless they've got a firm, where they oversee it,
如果你是，你也不是一個(gè)真正的企業(yè)家，因?yàn)槟氵€是像一個(gè)水管工人一樣，用時(shí)間換取金錢除非他們擁有一間公司，只需要監(jiān)督，
and people are running out doing the work for them.
而人們替他們工作。
You're still swapping your time for money.
要不然你仍然是用時(shí)間在換取金錢的。
You've got Amazon where you can set up a business where you buy products in China and sell them over here.
你可以在亞馬遜的網(wǎng)站上設(shè)立一個(gè)公司，你從中國買進(jìn)商品并在這里銷售。
Obviously, make commission on that; property is another one there.
顯然地，賺取傭金；房產(chǎn)是另一種方法，
There are loads of different ways of you generating passive income.
有很多不同的方法能夠產(chǎn)生被動收入。
The other thing I want to say is those of you who've got money in the bank,
另一件我想要說的是，那些把錢放在銀行的人，
or those of you not in the room who are watching further down the journey, often, we're so busy focused on earning the money, we're not focused on what to do with it.
或是那些并不在這里，但正在觀望未來的人，我們經(jīng)常忙著賺錢，而沒有專注于如何使用金錢。
Albert Einstein calls the compounding effect the eighth wonder of the world.
愛伯特愛因斯坦稱復(fù)合效應(yīng)為世界的第八奇跡。
A little bit of action, if you're young, a little bit of sensible investment or making that money work a lot, had a few adds up to something really special over time.
在你年輕的時(shí)候做出一些行動，一些明智的投資或是讓金錢大量的運(yùn)轉(zhuǎn)，隨著時(shí)間能夠增加到一筆可觀的數(shù)字。
That doesn't need to be risky, or it's going to end in tears.
那并不需要冒險(xiǎn)，或是以哭泣收場。
If you're smart, you can make that money work really, really hard for you.
如果你夠聰明，你能夠使那筆錢好好地替你工作。
That's not just coming and investing with me, or. . .
而那不只是和我一起投資，或是...
No, there are loads of ways of doing that.
不是，有很多方法都能夠達(dá)到目的。
In terms of the how-tos,
關(guān)于「如何」這方面，
I'm not going to talk today massively about all the ways you can do it.
我今天不打算多談有關(guān)于所有你可以做到的方法，
I'll put my blog up, sign up to that, and I can send you more about the how-tos and what's right for you based on your income, or where you're at, or the time you have.
我會放在我的博客，注冊它，我可以寄給你更多有關(guān)于「如何」以及什么是適合你的方式，根據(jù)你的收入、或者你在哪里、或是你有多少時(shí)間。
But the main thing I want to get across to you is what happens if you don't focus on building up passive income.
但是我要傳達(dá)給你的重點(diǎn)是如果你沒有專注于建立起被動收入會發(fā)生什么事。
Your predictable future is where you are right now.
你現(xiàn)在所處的位置就是你可以預(yù)見的未來。
If you're a student then you're probably eying up a job in the future, or if you got a job at the moment - that's not going to change.
如果你是一個(gè)學(xué)生，那么你或許正在尋求未來的工作，或者你目前有一份工作，這是不會改變的。
That's not a problem at all, not a problem at all.
這根本不是問題，根本不是問題。
But you may want something different. Do you want to be working for . . . ?
不過你可能想要不同的東西，你想要在...工作嗎？
If you love your job, that's awesome. Keep doing what you do.
如果你熱愛你的工作，那太好了！繼續(xù)保持下去。
That's fantastic! You love it.
那太棒了！你熱愛它。
And you're very much in the minority of doing it.
你是非常少數(shù)這樣熱衷工作的人。
But have the security, the peace of mind, and the freedom that if your desires change, or if your circumstances change, then you don't have to do that job anymore.
不過要有安全感、安心和自由有一天當(dāng)你想要改變的時(shí)候，或者你身處的情況不同的時(shí)候，到那時(shí)你不一定要工作。
If it is not there, you don't have to worry.
假使沒有工作，你也不必?fù)?dān)心。
So if you are sick, ill, if you get fired, if your job changes, or your industry collapses; there's not a problem.
因此如果你生病、被炒魷魚，工作改變，或是產(chǎn)業(yè)瓦解；都沒問題。
Or if you want to look after a sick relative.
甚至是你想要照顧一個(gè)生病的親戚。
What happens if you do get your passive income?
如果你有被動收入的話會發(fā)生什么事？
Now, probably some of you in the room are thinking a fancy car, a big house, all the material. . . A fancy logo on your shirt.
現(xiàn)在這個(gè)房間里頭的某些人或許想要一臺豪華轎車、一間大房子、所有的物質(zhì)...一件奢侈品牌的襯衣。
And that stuff is cool, right? It's fun, and it's great.
那樣很酷對吧？這很有趣也很棒。
For some people, that means more than others.
對于某些人來說，物質(zhì)比什么都重要。
I think the biggest thing for me is to ask what would you do with your life if money was no object?
我認(rèn)為對我而言最重要的是問問自己當(dāng)你的人生處于一個(gè)金錢無虞的狀態(tài)下你會做什么？
If you didn't have to swap your time for money, what would you do?
假使你不需要以時(shí)間換取金錢，你會做什么？
Would you travel?
你會旅行？
Would you go and learn to surf in Hawaii or do yoga in India?
在夏威夷學(xué)沖浪還是印度學(xué)瑜珈？
Or go and help an orphanage in Cambodia?
或是幫助柬埔寨的孤兒？
What would you do? What are you passionate about?
你會做什么？你熱衷于什么事情？
That's maybe not something we ask ourselves a lot because we don't see a way to achieve that.
這或許是一個(gè)我們不常問自己的問題，因?yàn)槲覀儫o法預(yù)見要如何達(dá)成這件事。
For me, my passion is all those things: traveling, helping others, doing stuff like this.
對我而言，這些事情都是我所熱愛的：旅行、幫助別人，做這一類的事情。
My dream is that all people will be able to follow their heart; whether that's a musician, or an author, or an artist, you can follow what you love irrespective of the paycheck.
我的夢想是所有的人都能夠隨心所欲做自己喜歡的事情；無論是音樂家、作家、還是藝術(shù)家，你可以不必顧及薪水做你喜愛的事情。
You've got the financial stuff sorted by picking one of these strategies, and doing a few hours a week, compound effect of that.
借由選擇這些策略其中的一樣，你解決了財(cái)務(wù)上的問題，每個(gè)禮拜花幾個(gè)小時(shí)工作，得到復(fù)息效應(yīng)。
You don't have to worry if you're financially successful.
如果你財(cái)務(wù)自由，你就不用擔(dān)心。
You can follow your heart. For me, that's really, really exciting.
你可以隨心所欲，對我而言那是非常、非常令人振奮的。
Stephen Covey has got a great quote, which is, "Before you climb the ladder make sure it's leaning up against the right building".
史蒂芬柯維有一句很棒的名言，那就是：「在你爬上梯子前確保它是倚靠在對的建筑物上」
It's really interesting.
這是十分有趣的。
When I was in uni and at school,
當(dāng)我還在讀大學(xué)時(shí)，
I had the proper London jobs lined up, or heading down that route.
有很多倫敦的工作在排隊(duì)等著我，或者正準(zhǔn)備找我。
But, and like I said before, the further up the ladder you get, maybe the more reluctant you are to step off that.
不過，正如我之前說的，你爬得越高，你可能就更不愿意走下來。
So if you haven't started it, if you are a student, now it's the perfect time for you to think what it is you want to do.
因此如果你還沒開始爬，如果你是個(gè)學(xué)生，那么現(xiàn)在就是最理想的時(shí)刻去思考你真正想要做的是什么。
If you are further down the journey, now is the best time to think about that;
如果你正進(jìn)一步的往前走，現(xiàn)在就是思考這個(gè)問題的最佳時(shí)機(jī)；
it's not going to be in five or ten years, you've got to think about that stuff now.
不會是在 5 年或 10 年以后，你現(xiàn)在就必須思考這些事情。
To summarize today's talk, we've discussed what passive income is.
總結(jié)今天的談話，我們已經(jīng)討論了什么是被動收入，
So, it's not swapping your time for money, is doing the work and getting paid forever from it.
所以，它不是以時(shí)間換取金錢，而是做些工作，并且永遠(yuǎn)地從中得到報(bào)酬。
We discussed why we need it: to safeguard you in terms of safeguarding you from the negative stuff, but also giving you the ability to design a life that you dream of and to choose what you want to do with your life.
我們討論過為什么我們需要它：以不受到負(fù)面影響的角度來保護(hù)你，同時(shí)賦予你設(shè)計(jì)夢想的生活的能力，并選擇你要如何過生活。
For a lot of us, that's not something we've ever really thought about.
對于大部分的我們來說，這不是我們平時(shí)會真正去思考的問題。
It may seem risky, you may have limiting beliefs.
或許它聽起來很冒險(xiǎn)，你或許限制了自己的信念，
I certainly did.
我就是如此。
I was 23, I had no money, I had no experience,
當(dāng)時(shí)我 23 歲，我沒有錢也沒有經(jīng)驗(yàn)。
I was at uni, I didn't want a job, I didn't know what on earth to do.
我還在讀大學(xué)，我不想要一份工作，我壓根不知道要做什么。
But with a little bit of education and action, you can do whatever you want to do, whatever your limiting belief is - maybe you are too old, or too young, whatever - but that's one side, and just seeing the possibility.
不過隨著一些教育和行動，你可以做任何你想做的事，無論你的限制信念是什么，或許是年紀(jì)太大或是太小，無論是什么，但那只是一方面，只需要去看可能性，
What could be possible for you if you actually took consistent action and built up this passive income?
什么對你來說是有可能的。如果你真的采取一致的行動并且建立了被動收入，
Don't worry about the how, just think about the what, on what would your life be like if you had 5, 10, 20, 50 grand a month coming in for very little work.
不要煩惱如何去做，只需要思考要做什么，你的人生會變成如何，假使每個(gè)月你做很少的事可以有 5 千、1 萬、2 萬、5 萬的進(jìn)帳。
In terms of risk, what's the risk of you not doing this?
就風(fēng)險(xiǎn)而言，你不去這么做的風(fēng)險(xiǎn)是什么？
What's the risk of you living your life doing something that you settled for?
為了自己勉強(qiáng)接受的人生去做些事情的風(fēng)險(xiǎn)是什么？
Or, if you are doing what you love - you're very lucky for that - but what happens if that changes?
或者，如果你正在做自己喜愛的事，你非常地幸運(yùn)不過如果它改變的時(shí)候會發(fā)生什么事呢？
So, what's the risk if you are not taking action?
所以如果你不采取行動，會有什么風(fēng)險(xiǎn)？
The final thing I want to leave you with is literally anyone can do this.
最后我想要說的是，任何人都能夠達(dá)成這個(gè)目標(biāo)。
I'm not special.
我并不特別。
I know a lot of other people who've achieved the same thing in their different fields; it's nothing special.
我知道很多其他的人，在各自的領(lǐng)域當(dāng)中都完成了一樣的事情；這并不特別。
They've been lucky enough to come across this stuff.
他們很幸運(yùn)地能夠發(fā)現(xiàn)被動收入這件事，
They read a book called, "Rich Dad Poor Dad" which I'd really recommend all of you guys to do and they took some action.
他們讀了「富爸爸，窮爸爸」這本書，我十分建議大家去閱讀，并且他們采取了行動。
If you want to learn more about the ways, the how-to, please check out my blog, which is just www. alexszepietowski. com and sign up for that.
如果你想要了解更多如何去做的方法，請看我的博客 www.alexszepietowski.com并訂閱它。
And I'd love you guys to think about designing a life that you dream of.
而我希望大家去思考，設(shè)計(jì)一個(gè)你夢想中的人生。
Thank you very much for having me.
謝謝你們邀請我來。
