新手理財必做的7件事！2025年最強理財入門指南，快速累積第一桶金💰｜理財吧 理財 理財入門 新手理財 財務自由 投資入門 ETF 股票投資 基金投資 被動收入 財務規劃 記帳 預算管理 緊急備用金
理財吧
[{'start': '0.200', 'end': '2.133', 'text': 'hi, everyone!'}, {'start': '2.133', 'end': '4.966', 'text': 'Welcome to [Wealth Management Bar],'}, {'start': '5.466', 'end': '7.633', 'text': 'I am your good financial management partner!'}, {'start': '7.633', 'end': '10.700', 'text': 'Today I will take you to start from scratch and'}, {'start': '11.100', 'end': '14.533', 'text': 'understand "7 things that financial management beginners must do".'}, {'start': '14.533', 'end': '18.366', 'text': 'These 7 things may seem simple at first glance,'}, {'start': '18.866', 'end': '20.533', 'text': 'but those who actually do them'}, {'start': '20.866', 'end': '25.066', 'text': 'will achieve financial freedom several times faster than others!'}, {'start': '25.066', 'end': '28.633', 'text': 'And the earlier you start, the better the results!'}, {'start': '28.633', 'end': '31.966', 'text': 'If you also want to not worry about money in the future,'}, {'start': '32.866', 'end': '34.533', 'text': 'be sure to read to the end'}, {'start': '35.000', 'end': '38.100', 'text': 'because every step contains the key to getting rich!'}, {'start': '38.600', 'end': '42.200', 'text': 'So, without further ado, let’s get started!'}, {'start': '42.633', 'end': '48.166', 'text': '# The first thing: set financial goals and find the direction to move forward.'}, {'start': '48.733', 'end': '51.566', 'text': 'On the road of financial management, if you don’t have a goal, it’s'}, {'start': '52.066', 'end': '55.033', 'text': 'like a ship drifting in the sea.'}, {'start': '55.533', 'end': '58.300', 'text': 'In the end, you may just go around in circles'}, {'start': '58.733', 'end': '60.500', 'text': 'or even lose your way.'}, {'start': '60.600', 'end': '63.233', 'text': 'Therefore, the first step for novices'}, {'start': '63.533', 'end': '66.566', 'text': 'is to set clear financial goals!'}, {'start': '66.833', 'end': '70.033', 'text': 'These goals can be designed at three levels:'}, {'start': '70.400', 'end': '74.033', 'text': '## 1 Short-term goals (within 1 to 3 years)'}, {'start': '74.100', 'end': '77.900', 'text': 'Short-term goals are closer to life, for example:'}, {'start': '78.000', 'end': '80.366', 'text': '- Save three months of emergency funds'}, {'start': '80.866', 'end': '82.666', 'text': '- Pay off credit card debts'}, {'start': '83.033', 'end': '84.833', 'text': '- Save a travel fund'}, {'start': '85.066', 'end': '87.933', 'text': '- Buy a desired laptop or mobile phone'}, {'start': '87.933', 'end': '91.166', 'text': 'These goals are clear and specific,'}, {'start': '91.733', 'end': '94.100', 'text': 'allowing you to quickly see results and'}, {'start': '94.433', 'end': '95.733', 'text': 'build confidence.'}, {'start': '95.900', 'end': '99.566', 'text': '## 2 Medium-term goals (within 3 to 10 years)'}, {'start': '99.700', 'end': '102.766', 'text': 'Medium-term goals can be set as:'}, {'start': '102.900', 'end': '106.566', 'text': '- Save the first pot of gold in life (such as 1 million yuan)'}, {'start': '107.466', 'end': '109.066', 'text': '- Get together a down payment for a house'}, {'start': '109.133', 'end': '113.066', 'text': '- Invest in your own professional skills and further study The'}, {'start': '113.066', 'end': '114.500', 'text': 'goals at this stage'}, {'start': '114.900', 'end': '117.466', 'text': 'require a certain amount of planning and patience,'}, {'start': '118.066', 'end': '121.666', 'text': 'but once achieved, it will have a huge impact on your life.'}, {'start': '121.866', 'end': '125.466', 'text': '## 3 Long-term goals (more than 10 years)'}, {'start': '125.733', 'end': '126.533', 'text': 'For example:'}, {'start': '127.033', 'end': '128.766', 'text': '- Achieve financial freedom'}, {'start': '129.133', 'end': '130.500', 'text': '- Retire early -'}, {'start': '130.533', 'end': '133.033', 'text': 'Save education funds for children'}, {'start': '133.033', 'end': '135.700', 'text': '- Arrange a complete retirement life plan'}, {'start': '136.033', 'end': '138.533', 'text': 'Although long-term goals are far away,'}, {'start': '138.866', 'end': '142.300', 'text': 'they will become the meaning of your every day efforts!'}, {'start': '142.533', 'end': '143.333', 'text': 'Remember: It'}, {'start': '143.733', 'end': '148.100', 'text': 'is best to set specific and quantifiable goals,'}, {'start': '148.333', 'end': '150.633', 'text': 'such as "saving 10,000 yuan every month",'}, {'start': '151.100', 'end': '153.566', 'text': 'rather than vaguely saying "I want to save more money."'}, {'start': '154.433', 'end': '160.066', 'text': '# The second thing: Develop a habit of keeping accounts and understand the flow of money.'}, {'start': '160.066', 'end': '165.766', 'text': 'Many people always ask at the end of each month: "Where did my money go?"'}, {'start': '165.866', 'end': '167.066', 'text': 'This lack of clarity'}, {'start': '167.333', 'end': '169.566', 'text': 'is the first step to financial failure!'}, {'start': '169.600', 'end': '171.066', 'text': 'Developing the habit of keeping accounts'}, {'start': '171.600', 'end': '173.466', 'text': 'is the starting point for financial management success'}, {'start': '173.833', 'end': '175.566', 'text': '## How to start keeping accounts?'}, {'start': '176.433', 'end': '177.266', 'text': '- Handwritten account book'}, {'start': '177.300', 'end': '179.333', 'text': 'Suitable for people who like the feel of pen and paper.'}, {'start': '179.733', 'end': '183.100', 'text': 'Every expense can leave a deep impression'}, {'start': '183.800', 'end': '184.866', 'text': '- Mobile account keeping APP'}, {'start': '185.133', 'end': '187.966', 'text': 'There are many useful free apps now,'}, {'start': '188.333', 'end': '191.300', 'text': 'such as MoneyBook and CWMoney.'}, {'start': '191.666', 'end': '196.066', 'text': 'Just move your fingers to quickly record and categorize'}, {'start': '196.200', 'end': '198.366', 'text': '- Excel or Google Sheets account keeping'}, {'start': '198.833', 'end': '201.766', 'text': 'Suitable for people who like digital statistical analysis. It can'}, {'start': '202.133', 'end': '204.266', 'text': 'also automatically generate charts to intuitively'}, {'start': '204.600', 'end': '206.333', 'text': 'grasp the flow of money'}, {'start': '206.733', 'end': '209.433', 'text': '## The purpose of account keeping is not just for "recording". What is'}, {'start': '209.433', 'end': '210.766', 'text': 'more important is -'}, {'start': '211.066', 'end': '212.633', 'text': 'Review your own expenses and'}, {'start': '213.033', 'end': '214.766', 'text': 'find out unnecessary expenses.'}, {'start': '215.400', 'end': '216.200', 'text': 'For example:'}, {'start': '216.300', 'end': '218.733', 'text': '- I spend 5,000 yuan on takeout every month.'}, {'start': '219.233', 'end': '221.900', 'text': 'In fact, I can save half if I make it myself'}, {'start': '221.900', 'end': '224.066', 'text': '- Daily coffee habit'}, {'start': '224.066', 'end': '226.833', 'text': 'accumulates in a month and it is also an astonishing number.'}, {'start': '227.400', 'end': '228.266', 'text': 'Through account keeping,'}, {'start': '228.400', 'end': '231.366', 'text': 'you can truly understand your consumption habits'}, {'start': '231.900', 'end': '233.000', 'text': 'and make changes.'}, {'start': '233.633', 'end': '239.666', 'text': '# The third thing: establish an emergency reserve fund to give yourself a safety cushion. No matter'}, {'start': '239.666', 'end': '241.300', 'text': "how hard you try to manage your finances, you can't"}, {'start': '241.700', 'end': '244.266', 'text': 'stop the uncertainty of life.'}, {'start': '244.333', 'end': '251.466', 'text': 'Unemployment, illness, car breakdown... If there is no reserve fund for these emergencies, it is'}, {'start': '252.000', 'end': '255.333', 'text': 'easy to fall into a financial crisis overnight!'}, {'start': '255.433', 'end': '258.700', 'text': 'Therefore, the third step for novice financial management'}, {'start': '259.000', 'end': '261.466', 'text': 'is to establish an emergency fund!'}, {'start': '261.500', 'end': '264.433', 'text': '## How much emergency fund is enough? The'}, {'start': '264.633', 'end': '266.100', 'text': 'general advice is:'}, {'start': '266.100', 'end': '269.500', 'text': '- Save at least 3 to 6 months of living expenses.'}, {'start': '270.033', 'end': '272.333', 'text': 'If your income is more unstable,'}, {'start': '272.800', 'end': '274.633', 'text': 'such as if you are a freelancer, it is'}, {'start': '275.033', 'end': '277.700', 'text': 'recommended to prepare 6 to 12 months.'}, {'start': '279.666', 'end': '280.900', 'text': 'This money should be placed in:'}, {'start': '281.266', 'end': '282.333', 'text': '- A current account'}, {'start': '283.033', 'end': '285.033', 'text': '- A fixed deposit (short-term)'}, {'start': '285.133', 'end': '287.033', 'text': 'Never use it for investment'}, {'start': '287.500', 'end': '290.233', 'text': 'because the key point is that it should be "available at any time".'}, {'start': '290.733', 'end': '296.500', 'text': '# The fourth thing: learn to allocate income and let money work for you.'}, {'start': '296.500', 'end': '298.533', 'text': 'Many people'}, {'start': '298.866', 'end': '301.700', 'text': 'always pay rent and bills first after receiving their salary, and spend the'}, {'start': '302.700', 'end': '304.866', 'text': 'rest casually. They'}, {'start': '305.433', 'end': '309.500', 'text': 'only remember at the end of the month: "Ah, I need to save money!'}, {'start': '309.500', 'end': '311.466', 'text': '" But often there is not much left. The'}, {'start': '312.200', 'end': '316.600', 'text': 'really smart way is to "save money first, then spend it"!'}, {'start': '317.300', 'end': '319.833', 'text': '## I recommend a simple and easy allocation method:'}, {'start': '319.833', 'end': '322.666', 'text': '50/30/20 rule'}, {'start': '322.933', 'end': '330.266', 'text': '- 50% is used to pay for necessary expenses (rent, utilities, transportation, food) -'}, {'start': '330.300', 'end': '336.266', 'text': '30% is used to enjoy life (travel, entertainment, interests) -'}, {'start': '336.466', 'end': '342.766', 'text': '20% is used for savings and investment (deposits, buying stocks, buying funds)'}, {'start': '342.866', 'end': '346.033', 'text': 'If you want to achieve financial freedom faster, you'}, {'start': '346.433', 'end': '347.933', 'text': 'can fine-tune the ratio,'}, {'start': '348.266', 'end': '349.966', 'text': 'for example 40/30/30.'}, {'start': '350.633', 'end': '354.033', 'text': 'Remember: money is meant to work for you,'}, {'start': '354.233', 'end': '355.966', 'text': 'not just for consumption! It'}, {'start': '356.133', 'end': '360.366', 'text': 'may be difficult at first, but as long as you keep practicing,'}, {'start': '360.800', 'end': '365.466', 'text': 'you will find that saving money is actually more fulfilling than spending it!'}, {'start': '365.933', 'end': '371.466', 'text': '# The fifth thing: start learning about investment and let your money make money on its own.'}, {'start': '371.533', 'end': '375.233', 'text': 'In the era of inflation, it is not enough to just save money. The'}, {'start': '375.233', 'end': '378.366', 'text': 'annual price increase of 2%-3%'}, {'start': '378.700', 'end': '381.966', 'text': 'will make the purchasing power of your savings decline year by year.'}, {'start': '382.000', 'end': '384.800', 'text': 'If you don’t invest, you will become poor silently.'}, {'start': '385.533', 'end': '388.333', 'text': '## What investments can novices start with?'}, {'start': '389.133', 'end': '390.833', 'text': '- ETF (index fund)'}, {'start': '390.833', 'end': '394.433', 'text': 'follows the market, diversifies risks and achieves'}, {'start': '395.133', 'end': '396.900', 'text': 'stable long-term returns'}, {'start': '396.933', 'end': '398.633', 'text': '- Regular stock investment, fixed'}, {'start': '398.833', 'end': '400.733', 'text': 'monthly investment,'}, {'start': '401.200', 'end': '403.300', 'text': 'no need to worry about market ups and downs,'}, {'start': '403.666', 'end': '405.966', 'text': 'reduces the risk of buying at high points'}, {'start': '406.500', 'end': '407.700', 'text': '- Bonds or time deposits,'}, {'start': '407.800', 'end': '410.166', 'text': 'if you have a low risk tolerance, you'}, {'start': '410.433', 'end': '411.300', 'text': 'can start here'}, {'start': '412.133', 'end': '414.500', 'text': '## The 3 most important investment principles'}, {'start': '414.500', 'end': '416.566', 'text': '1. Don’t borrow money to invest'}, {'start': '416.566', 'end': '419.466', 'text': '2. Don’t blindly believe in news'}, {'start': '419.466', 'end': '423.366', 'text': '3. Insist on long-term investment, diversify risks and'}, {'start': '423.833', 'end': '426.933', 'text': 'let time and compound interest help you accumulate wealth, which'}, {'start': '427.233', 'end': '429.333', 'text': 'is the most stable way to get rich!'}, {'start': '429.800', 'end': '435.433', 'text': '# The sixth thing: avoid debt traps and use credit cards with caution. Credit cards'}, {'start': '435.533', 'end': '440.100', 'text': 'are a good tool, but if used improperly, it can'}, {'start': '440.633', 'end': '444.366', 'text': "easily become the last straw that breaks the camel's back."}, {'start': '444.400', 'end': '447.233', 'text': '## Four principles for using credit cards correctly'}, {'start': '447.433', 'end': '450.466', 'text': '- Only use amounts that you can afford to repay'}, {'start': '450.666', 'end': '453.133', 'text': '- Pay your monthly bills in full'}, {'start': '453.200', 'end': '457.633', 'text': '- Try to choose cards that offer cash back or points rewards -'}, {'start': '457.633', 'end': '461.533', 'text': 'Control the number of credit cards to avoid management difficulties'}, {'start': '461.533', 'end': '465.833', 'text': 'If you already have credit card debt, pay it off first'}, {'start': '466.300', 'end': '470.933', 'text': 'because credit card interest rates are often as high as 15%-20% or more, which'}, {'start': '471.300', 'end': '473.066', 'text': 'is the most wallet-breaking debt!'}, {'start': '473.433', 'end': '477.100', 'text': 'Remember: debt is not a stepping stone to wealth,'}, {'start': '477.500', 'end': '478.900', 'text': 'but a stumbling block. Be'}, {'start': '479.266', 'end': '480.066', 'text': 'careful!'}, {'start': '481.266', 'end': '487.233', 'text': '# The seventh thing: Keep learning financial knowledge and constantly upgrade yourself. The'}, {'start': '487.400', 'end': '491.700', 'text': 'world of financial management is changing with each passing day. Not learning'}, {'start': '491.700', 'end': '493.233', 'text': 'means falling behind.'}, {'start': '493.233', 'end': '496.100', 'text': 'Even if your financial situation is good today,'}, {'start': '496.666', 'end': '498.133', 'text': 'if you stagnate, you'}, {'start': '498.600', 'end': '501.033', 'text': 'will soon be eliminated by the times.'}, {'start': '501.133', 'end': '504.500', 'text': 'So, the last and most important thing'}, {'start': '504.733', 'end': '505.833', 'text': 'is to keep learning.'}, {'start': '506.700', 'end': '507.700', 'text': '## How to learn?'}, {'start': '507.700', 'end': '511.633', 'text': '- Set a goal to read at least 3-5 financial books every year'}, {'start': '512.100', 'end': '514.733', 'text': '- Subscribe to financial channels like "Financial Management Bar" to'}, {'start': '515.066', 'end': '516.900', 'text': 'continuously input new knowledge'}, {'start': '517.100', 'end': '520.466', 'text': '- Participate in financial lectures and online courses'}, {'start': '520.533', 'end': '523.300', 'text': '- Communicate and share with friends who understand financial management'}, {'start': '523.333', 'end': '525.733', 'text': 'Knowledge is your greatest asset.'}, {'start': '526.300', 'end': '528.266', 'text': 'As long as you continue to learn,'}, {'start': '528.266', 'end': '530.733', 'text': 'you can not only manage your own money,'}, {'start': '531.233', 'end': '534.633', 'text': 'but also have the opportunity to help those around you become better!'}, {'start': '535.133', 'end': '538.300', 'text': 'When we embark on the road of financial management, we will find that:'}, {'start': '539.000', 'end': '542.000', 'text': 'Financial management is not complicated mathematics,'}, {'start': '542.000', 'end': '544.300', 'text': 'nor is it the patent of financial experts. It is a'}, {'start': '544.666', 'end': '549.500', 'text': 'life skill that every ordinary person can learn step by step,'}, {'start': '549.800', 'end': '552.433', 'text': 'starting from setting clear financial goals, to'}, {'start': '552.833', 'end': '555.100', 'text': 'developing the habit of accounting,'}, {'start': '555.400', 'end': '560.300', 'text': 'to establishing emergency reserves and planning the distribution of each income.'}, {'start': '560.300', 'end': '562.433', 'text': 'These seemingly simple actions'}, {'start': '562.800', 'end': '567.466', 'text': 'are actually the starting point for you to lay a solid financial foundation for your life.'}, {'start': '567.466', 'end': '570.266', 'text': 'Investment may make people feel unfamiliar,'}, {'start': '570.733', 'end': '572.900', 'text': 'but you can start with a small amount,'}, {'start': '572.900', 'end': '577.333', 'text': 'learn risk control, experience the power of compound interest, and'}, {'start': '577.700', 'end': '581.200', 'text': 'slowly build up your own asset allocation.'}, {'start': '581.200', 'end': '584.766', 'text': 'Credit cards and debts, if you know how to manage them, will'}, {'start': '585.200', 'end': '587.100', 'text': 'not only not become a pressure,'}, {'start': '587.500', 'end': '591.500', 'text': 'but can help you accumulate credit and get feedback.'}, {'start': '591.533', 'end': '595.433', 'text': 'More importantly, financial management is not just about money,'}, {'start': '595.866', 'end': '598.700', 'text': 'but also about attitude and choices towards life.'}, {'start': '598.800', 'end': '602.700', 'text': 'When you learn to plan for the future and work hard for your goals, the'}, {'start': '603.133', 'end': '607.100', 'text': 'control of your life will return to you bit by bit.'}, {'start': '608.700', 'end': '611.900', 'text': 'You may not be able to do all these seven things perfectly at once,'}, {'start': '612.433', 'end': '616.566', 'text': 'but as long as you start, even if it is just one of them, it'}, {'start': '616.600', 'end': '621.600', 'text': 'will open a door to a freer and more secure future for you.'}, {'start': '621.600', 'end': '622.500', 'text': 'Remember,'}, {'start': '622.833', 'end': '626.933', 'text': 'time will reward everyone who is willing to work hard for themselves.'}, {'start': '626.933', 'end': '628.566', 'text': 'May you'}, {'start': '628.933', 'end': '631.766', 'text': 'start to establish a healthy relationship with money from today and'}, {'start': '632.466', 'end': '636.333', 'text': 'live a freer and more selective life.'}, {'start': '636.633', 'end': '638.966', 'text': "Thank you for watching today's video."}, {'start': '639.500', 'end': '643.100', 'text': 'I am [Financial Management], see you next time. I wish you can'}, {'start': '643.600', 'end': '646.533', 'text': 'achieve your financial goals soon!'}]