How many wallets do you have?

你有幾個錢包？

Technically speaking, everyone of us has 3 wallets.

其實我們每個人都有3個錢包。

And they are the consumer’s wallet, the speculator’s wallet and the investor’s wallet.

它們分別是：“消費錢包”、“投機錢包”和“投資錢包”。

The consumer’s wallet is the wallet from which you spend to pay for all your desires, be it food, clothes or flowers.

消費錢包，指的是你為了滿足個人欲望而花的那些錢，各種美食、衣服、鮮花都包含在其內。

You can’t eliminate this wallet, because you need it to cover your basic expenditure. But generally speaking you have ways to restrain it.

這一部分是不可能被剔除的，因為你需要靠它來維持你自己的基本生存；不過，總體來說，它是可以被縮減的。

The speculator’s wallet is the wallet from which you spend to play with your luck.

投機錢包，指的是那些你為了撞大運而花的錢，比如買彩票。

It’s the most unstable wallet and can be eliminated.

這是所有錢包中最不穩定的一個，也是一個可以完全剔除的錢包。

And the investor’s wallet is the wallet from which you spend to purchase the future. It’s the wallet which few people have realized and the most difficult one to master.

而投資錢包，指的是那些你用來“購買未來”所花的錢，這是許多人都沒有看到的一個錢包，也是最難掌握的一個錢包。

The word investing here does not only mean putting your money into the financial market to earn the interest. It also means to buy yourself your freedom in the future and the chances to develop in the future.

這里說的投資，不光是說把錢投到金融市場來賺利息，它還包括花錢去購買未來的自由、未來的發展空間。

This wallet is what make the affluent class affluent.

而這個錢包，正是富裕階層真正的法寶。

Among these 3 wallets, if the one you use the most is the consumer’s wallet, then of course the more money you spend the less money you have.

在這3個錢包中，如果你用得最多的就是消費錢包，那你的錢必定是越花越少的。

And this is just too easy to happen, for this is the wallet that has direct connection with our desires.

而這實在太容易發生了，畢竟這個錢包是直接和我們的各種欲望掛鉤的。

You cannot cut this wallet completely out of your life. But you can try to make the money you spend from wallet worthy.

你沒有辦法斬斷與這個錢包的聯系，但是你可以盡量去把里面的錢“花到值得”。

Only buy the cheapest or the best. Anything else is a trap.

只買最便宜的或者最好的，其他一切都是陷阱。

And for the money that you saved from this wallet, go use them all in the investor’s wallet.

至于那些從這個錢包中剩下來的錢，都去用到投資錢包里吧。

Buy yourself a better education. Use them to learn some new skills. Find an investment channel that you feel confident about and put them there.

去購買更好的教育吧，去學習新的技能吧，去投入自己能夠控制的投資渠道。

Anyway, use this money to buy yourself a better future.

總之，用這些錢，為自己購買一個更好的未來。

And if there is a day when you find that the revenue you get from your investor’s wallet can cover the expenditure of your consumer’s wallet, then you’ve already acquired a really rare treasure. And it’s called financial freedom.

而當你有一天發現，你投資錢包里的收益已經足夠覆蓋你的消費錢包時，你就獲得了一個罕見的寶藏，它就是“財務自由”。

How many wallets do you have?

你有幾個錢包？

Technically speaking, everyone of us has 3 wallets.

其實我們每個人都有3個錢包。

And they are the consumer’s wallet, the speculator’s wallet and the investor’s wallet.

它們分別是：“消費錢包”、“投機錢包”和“投資錢包”。

The consumer’s wallet is the wallet from which you spend to pay for all your desires, be it food, clothes or flowers.

消費錢包，指的是你為了滿足個人欲望而花的那些錢，各種美食、衣服、鮮花都包含在其內。

You can’t eliminate this wallet, because you need it to cover your basic expenditure. But generally speaking you have ways to restrain it.

這一部分是不可能被剔除的，因為你需要靠它來維持你自己的基本生存；不過，總體來說，它是可以被縮減的。

The speculator’s wallet is the wallet from which you spend to play with your luck.

投機錢包，指的是那些你為了撞大運而花的錢，比如買彩票。

It’s the most unstable wallet and can be eliminated.

這是所有錢包中最不穩定的一個，也是一個可以完全剔除的錢包。

And the investor’s wallet is the wallet from which you spend to purchase the future. It’s the wallet which few people have realized and the most difficult one to master.

而投資錢包，指的是那些你用來“購買未來”所花的錢，這是許多人都沒有看到的一個錢包，也是最難掌握的一個錢包。

The word investing here does not only mean putting your money into the financial market to earn the interest. It also means to buy yourself your freedom in the future and the chances to develop in the future.

這里說的投資，不光是說把錢投到金融市場來賺利息，它還包括花錢去購買未來的自由、未來的發展空間。

This wallet is what make the affluent class affluent.

而這個錢包，正是富裕階層真正的法寶。

Among these 3 wallets, if the one you use the most is the consumer’s wallet, then of course the more money you spend the less money you have.

在這3個錢包中，如果你用得最多的就是消費錢包，那你的錢必定是越花越少的。

And this is just too easy to happen, for this is the wallet that has direct connection with our desires.

而這實在太容易發生了，畢竟這個錢包是直接和我們的各種欲望掛鉤的。

You cannot cut this wallet completely out of your life. But you can try to make the money you spend from wallet worthy.

你沒有辦法斬斷與這個錢包的聯系，但是你可以盡量去把里面的錢“花到值得”。

Only buy the cheapest or the best. Anything else is a trap.

只買最便宜的或者最好的，其他一切都是陷阱。

And for the money that you saved from this wallet, go use them all in the investor’s wallet.

至于那些從這個錢包中剩下來的錢，都去用到投資錢包里吧。

Buy yourself a better education. Use them to learn some new skills. Find an investment channel that you feel confident about and put them there.

去購買更好的教育吧，去學習新的技能吧，去投入自己能夠控制的投資渠道。

Anyway, use this money to buy yourself a better future.

總之，用這些錢，為自己購買一個更好的未來。

And if there is a day when you find that the revenue you get from your investor’s wallet can cover the expenditure of your consumer’s wallet, then you’ve already acquired a really rare treasure. And it’s called financial freedom.

而當你有一天發現，你投資錢包里的收益已經足夠覆蓋你的消費錢包時，你就獲得了一個罕見的寶藏，它就是“財務自由”。