致富4階段：普通人如何從負債到財富自由 | 絕對可行！

Summary

本视频由Haoye主讲，分享了普通人如何从负债走向财务自由的四个阶段：负资产阶段，零资产阶段，有基础阶段和致富准备阶段。每个阶段都提供了个人的真实见解和建议，如在负资产阶段要清偿债务，零资产阶段要积累储蓄，有基础阶段要自我投资和开始投资，最后在致富准备阶段设定财务自由目标。视频鼓励观众长期思考，明确目标，并采取一致行动，以实现财务自由。

Takeaways

• 😀 疫情改变了我们的思考和行为方式，促使我们反思各种心理模式和习惯。
• 💼 普通人可以通过四个阶段实现财富积累：负资产阶段、零资产阶段、资产积累阶段和财务自由准备阶段。
• 🚫 在负资产阶段，首要任务是清偿债务，积累储蓄，避免因债务而感到压力和焦虑。
• 💰 零资产阶段要学会抵制诱惑，积累初始资本，为未来的投资打下基础。
• 📈 资产积累阶段要投资于自我提升、创业和理财，同时建立紧急基金，为不时之需做准备。
• 🏆 财务自由准备阶段要设定财务自由目标，通过投资实现被动收入超过家庭支出。
• 🎓 通过努力学习和提升技能，可以减免学生贷款，为财富积累创造有利条件。
• 🌐 在互联网时代，要避免被社交媒体上的消费主义所影响，专注于自己的长期目标。
• 🔑 初期资本积累后，要合理分配资金，投资于自我提升和创业，同时不忘理财和紧急基金。
• 📊 投资于ETF基金，如VOO或SPY，是一种简单且风险较低的投资方式，适合初学者。
• 🏘️ 通过积极投资和复利效应，可以缩短达到财务自由的时间，实现财富的快速增长。
• 🤝 通过分享个人经验和见解，激励他人找到适合自己的财富增长路径。

Q & A

为什么你称第一个阶段为“负数阶段”?

因为在这个阶段，我们通常会有负债，如学生贷款和父母的生活费用。我们需要首先积累一些储蓄来摆脱这些负债。

在负数阶段，为什么不建议投资或创业?

在负数阶段投资或创业会给我们带来很大的压力和情绪波动，容易导致亏损和短视行为。因此，建议先积累储蓄，减轻债务压力，再考虑投资或创业。

你在“零阶段”时如何抵制诱惑?

在零阶段，我们需要抵制通过社交媒体和朋友带来的诱惑，专注于积累初始资本，以便以后能更好地进行投资和享受生活。

为什么在“零阶段”要尽量减少享受财富贬值的活动?

因为这些活动会消耗我们的储蓄，影响我们财富积累的速度。为了加速复利效果，我们需要先积累足够的初始资本。

在零阶段你做了哪些兼职工作来增加收入?

我在零阶段做了各种兼职工作，比如保险代理、清洁工、在线广告和视频编辑等，还通过市场调研工作赚取了额外收入。

进入“足够阶段”后，你如何分配资金?

我将资金分为几部分：投资自己、投资生意、投资金钱和紧急备用金。这些投资帮助我提升未来赚钱的潜力和保障财务安全。

为什么要投资自己和自己的技能?

因为提升自己的知识和技能可以显著提高未来的赚钱能力，这种投资的回报率通常超过100%。

如何确定达到财务自由的目标?

首先计算家庭的年支出，然后确保每年的被动收入超过这个支出。比如，如果年支出是1万美元，那么目标就是确保有至少1万美元的年被动收入。

投资初学者应该选择什么样的投资项目?

初学者可以选择投资跟踪标普500指数的ETF基金，如VOO或SPY。这些基金可以提供稳定的长期回报，适合没有投资经验的人。

为什么要设立紧急备用金?

紧急备用金可以在面对突发情况时提供财务保障，避免被迫出售资产来解决危机，从而保持财务稳定。

Outlines

00:00

😀 从零开始的财富积累

在第一段中，Haoye介绍了疫情后人们思维方式和行为的变化，包括职业、工作、健康和人际关系等方面。他分享了自己对于财富的反思，并提出了普通人通过四个阶段实现财富积累的观点。Haoye以自己的经历为例，讲述了从负资产阶段开始，如何通过储蓄、投资和理性消费逐步走向财务自由的过程。他还特别提到了在20岁时仅有8000美元的储蓄，并强调了摆脱债务、开始储蓄的重要性。

05:01

😌 抵制诱惑，积累初始资本

第二段中，Haoye讨论了在财富积累的初期阶段，如何抵制社交媒体和周围人的影响，避免不必要的开支，从而积累初始资本。他通过自己的经历，说明了在大学时期如何拒绝了出国交流的机会，以及如何通过做兼职、在线广告和视频编辑等多种方式来增加收入和储蓄。此外，他还提到了如何通过市场调研工作赚取了相当可观的收入，并强调了在积累了一定的储蓄后，开始进行小额股票投资，以及如何通过投资自己和业务来提高未来的盈利潜力。

10:02

💼 投资与财务自由的规划

在第三段中，Haoye分享了如何通过投资自己、投资业务、投资资金和建立紧急基金来为财务自由做准备。他强调了投资于自我教育和技能提升的重要性，并分享了自己如何通过创建YouTube频道和在线教育品牌来实现被动收入。此外，他还讨论了投资股票和ETF基金的策略，并提供了如何通过计算和投资来实现年度被动收入目标的方法。Haoye还提到了利用在线经纪平台进行投资的便利性，并分享了自己如何利用这些平台的优惠来增加投资收益。

15:04

🏆 实现财务自由的路径

最后一段中，Haoye总结了普通人如何通过四个阶段从债务走向财务自由。他提出了在不同阶段应该采取的行动，包括清除债务、积累储蓄、自我提升和开始投资，以及最终设定财务自由的目标。Haoye分享了自己如何通过积极投资和复利效应，从20岁时的1000美元增长到27岁时的200000美元，并鼓励观众通过长期思考和持续行动来实现财务自由。他还邀请观众订阅自己的频道，以便获取更多关于财富心态的实用信息。

Keywords

💡财务自由

财务自由是指个人拥有足够的被动收入，以覆盖家庭开支，从而不再需要依赖工作收入来维持生活。在视频中，演讲者提到通过积累投资和被动收入来实现财务自由，这是视频的核心主题之一。例如，演讲者计算了如果年度家庭开支是$10,000，那么通过投资获得的被动年收入也需达到这个数额。

💡债务

债务是指个人或家庭所欠的款项，需要在未来偿还。视频中提到，在财务积累的初期阶段，清除债务是重要的一步，这有助于个人在没有经济压力的情况下进行储蓄和投资。例如，演讲者提到在“负面阶段”中，需要清除债务并使自己在心理上感到安全。

💡储蓄

储蓄是指个人为未来需求或紧急情况而储备的资金。视频中强调了储蓄的重要性，认为储蓄是投资和财富积累的前提。演讲者分享了自己在20岁时仅有8,000美元储蓄的经历，并建议首先积累储蓄，以便在没有债务压力的情况下进行投资。

💡投资

投资是指将资金用于购买资产或业务，以期望获得利润或收益。视频中演讲者讲述了自己如何通过投资股票、基金等来增加财富，并建议在有了一定储蓄后开始投资，以实现财富的增长。例如，演讲者提到在有了约10,000马来西亚林吉特的储蓄后，开始无压力地投资股票。

💡复利

复利是指投资收益再投资产生额外收益的现象。视频中演讲者解释了复利的力量，并强调了它在加速财富积累中的作用。演讲者通过自己的经历，说明了即使是小额的初始投资，通过复利也能在长期内积累成显著的财富。

💡消极阶段

消极阶段是指个人在财务上处于负债状态，没有储蓄的时期。视频中，演讲者将这个阶段描述为开始财务旅程的起点，强调了在这个阶段需要集中精力清除债务并开始储蓄。例如，演讲者提到自己20岁时的财务状况就是处于“消极阶段”。

💡自我投资

自我投资是指个人为了提高自己的技能、知识和能力而进行的投资。视频中演讲者提到了教育和技能提升作为自我投资的方式，并认为这是提高未来赚钱潜力的有效途径。例如，演讲者提到投资于自己的知识和技能，如编程、销售、市场营销等。

💡应急基金

应急基金是为应对突发事件或经济危机而储备的资金。视频中演讲者强调了建立应急基金的重要性，认为这可以为个人在面对不确定性时提供安全感。演讲者以2007-08年的金融危机为例，说明了有充足应急基金的人能够更好地应对经济挑战。

💡被动收入

被动收入是指不需要积极参与工作就能获得的收入，如股息、租金或投资收益。视频中演讲者提到通过投资来创造被动收入，并将其作为实现财务自由的关键因素。例如，演讲者计算了如何通过投资达到每年$10,000的被动收入目标。

💡ETF基金

ETF基金，即交易型开放式指数基金，是一种跟踪特定指数表现的投资工具。视频中演讲者推荐了以S&P 500为基准的ETF基金，如VOO或SPY，作为初学者投资的一种简单且风险较低的选择。演讲者还提到了通过在线交易平台投资这些基金的便利性。

💡财富积累

财富积累是指通过储蓄、投资和其他财务策略逐步建立财富的过程。视频中演讲者分享了自己的财富积累策略，包括清除债务、积极储蓄、自我投资和利用复利效应。演讲者的经历表明，通过持续的努力和明智的财务决策，普通人也可以逐步积累财富。

Highlights

疫情改变了我们的思考和行为方式，包括职业、工作、健康和人际关系。

通过四个阶段，普通人可以变得富有，每个阶段都有个人真实生活中的见解。

负资产阶段：我们出生时没有资产和负债，但随着成长，我们开始欠下父母的债务。

20岁时只有8000美元储蓄，扣除债务后，实际上负债累累。

首要目标是储蓄，避免因债务而感到压力。

投资时如果负债，容易因压力和情绪波动而亏损。

18岁时因急于致富而投资失败，意识到需要先工作和储蓄。

有了一定储蓄后，可以无压力地开始小额投资股票。

如果有高利息债务，建议先偿还；如果是低利息或无利息，可以自行安排。

通过努力学习免除学生贷款，点燃了内心的激情。

零资产阶段：抵抗诱惑，从零开始，首要任务是积累储蓄。

社交媒体常给我们传递旅行和体验生活的诱惑信息。

初期资本积累至关重要，因为相同回报率下，投资额的差异影响巨大。

大学时期因考虑实际开销拒绝了出国交换的机会。

不同人有不同的人生旅程和金钱观，我们应专注于自己真正想要的。

积累第一桶金是加速复利效应的关键。

寻找赚钱的机会，如兼职、副业等，以快速增加财富。

通过市场调查工作赚取了第一笔相对较多的资金。

充足阶段：合理分配资金，投资于自我提升、商业、资金投资和紧急储备。

投资于自我提升可以增强未来赚钱的潜力，回报率超过100%。

投资商业和金钱，以及建立紧急基金，为可能的危机做准备。

通过投资和储蓄，逐步实现财务自由的目标。

通过投资ETF基金，如VOO或SPY，可以简单稳定地获得高回报。

利用在线经纪商进行投资既方便门槛又低，适合初学者。

27岁时，通过复利和积极投资，股票市场资产已增长到20万美元。

普通人通过这四个阶段，可以从债务走向财务自由。

学会长期思考，保持目标清晰，并通过一致的行动实现延迟满足。

Transcripts

Hi everyone, I'm Haoye.

Let's learn knowledge that school doesn't teach together!

After being baptized by the epidemic,

This has led to many changes in our thinking and behavior,

This includes our careers, work, health, and relationships.

It has also led us into a stage of reflection,

Reflecting on our various mental patterns and habits.

And today's episode, I will share with you

Regarding reflections on wealth,

I will help you understand the 4 stages through which an ordinary person can become wealthy.

In each stage, I will offer my personal, real-life insights.

These are my experiences and opinions as an ordinary person in the past,

I hope this can be inspiring for you.

Firstly, the negative phase

In fact, we are born with zero assets and zero liabilities.

But as our parents raise us,

These everyday necessities, such as housing, food, and transportation, are what we owe our parents.

Of course, you could also say that your parents owed you in their past lives,

Raising you now is just paying off their debt.

But I believe many ordinary people, like myself, also had some student loans to pay off after graduating from college.

There may still be some student loans that need to be repaid.

At the same time, as a middle-class family, your savings won't be that much either,

So at this stage, in terms of wealth,

We can say that we are in a negative phase, that is, negative debt.

I remember when I was 20 years old, I only had 8,000 dollars in savings.

In addition to the student loans and retirement pensions from my parents,

If you subtract all of that,

I believe that just like you and me, we're both deep in debt.

For now, don't even think about financial freedom,

Investing, stocks, fund returns, and so on.

Your biggest goal right now is to save money.

Start by having savings first,

You won't have to worry or feel stressed because of debt.

Because if you go invest with debt or start any business,

Or if you start any business,

Often times we feel a lot of pressure and emotions,

It's easy to lose money,

And there will also be cases of shortsightedness,

Because you will definitely be impatient and want to make quick money,

So at this time, 99% of the time people will be scammed or gamble recklessly,

Therefore, it is an inevitable thing to earn and lose money repeatedly,

In the end, you will find that you are still stuck in the same place,

But you have wasted a lot of time and effort.

It's like when I was 18 years old and used to invest in stocks and futures.

I used to invest in stocks, futures and various small investments when I was 18 years old.

There were also various small investments,

But every time it would end up back at square one,

In the end, I realized that

It was simply because I was poor and wanted to get rich overnight,

And under this kind of bad mental state, impatience and rashness,

It makes me easy to lose money.

So at that time, I decided

to focus on working and saving money,

To work as a decorator, cleaner, waiter and so on.

They will all take turns to work and save some money,

It's only when you have some savings that you feel secure enough to invest.

Later, when I had some savings,

My mind became clear,

Because I knew how to plan for the future,

Knowing how and what to invest in,

What about when you have saved up around 10,000 Malaysian Ringgit?

This amount is enough to cover my living expenses for a year,

In other words, I can still manage to live for a year without working.

I could still live for a year like this.

At that time, I started investing small amounts of money in stocks,

As a result, investing with extra money was completely stress-free.

Under those natural circumstances,

The returns on this investment continue to grow.

So, during our initial negative stage,

Our top priority, our primary task,

Is to accumulate some savings, so that we can settle down and

Only then can we make calm judgments and

If you have debts with high interest to repay,

it is recommended to repay them first.

However, if your debts have little or no interest, like student loans,

In that case, you can arrange it yourself,

The most important thing is to let yourself be at ease, that's all that matters.

I got good grades and was exempted from student loans.

I studied hard because I wanted to convert my student loans into this scholarship.

I studied hard not because I was naturally good at it,

but because my grades were really bad in high school.

Back in high school, my grades were terrible. I often got Elephant in Chinese, English, and History.

I frequently got Elephant in Chinese, English, and History.

But in order to waive my student loan, I became motivated to study.

This ignited some passion from within me.

Step 2, Phase 0.

At this stage, we don't have much debt and not a lot of savings.

Consider this as starting from zero,

At this point, what we need to do is resist temptation.

Living in this internet era,

Social media always gives us a message.

To travel around the world, experience life,

Taste all kinds of food and live life to the fullest.

Then you often see your friends around you,

Travel to various countries often, and participate in student exchange programs, etc.

This is when you easily start to feel hesitant and uncertain,

And you would tell yourself that you also want to go there and have fun,

You also want to experience life like her,

Travel around the world and take beautiful photos.

Otherwise, your life will be very boring,

It's embarrassing because you're not fashionable.

But if you do this at this time,

It will lay a foundation for your wealth accumulation process,

Because you can't save money, you have no savings.

With the same return rate of 10%,

Investing 1000 NT dollars and investing 100000 NT dollars,

The difference in return on investment is very significant.

So you must first accumulate your initial capital,

Then you can start thinking about traveling and other things.

Because the friends you see are either wealthy,

Or perhaps they have different views on money.

If you are determined to become wealthy,

Focus on what you truly want, and think long-term.

Don't let other people's possessions dictate your desires and impulses.

Then you act on impulse.

I remember, when I was in college,

One of my female friends invited me to go abroad as an exchange student,

Then we went on a trip.

At that time, I immediately asked her,

Um, is this exchange student paid for by the school?

Or do I have to pay for it myself?

If I have to pay for it myself, how much do I need to prepare?

She probably mentioned it's around 10000 MYR.

It should be around 15000 with travel expenses included.

But I immediately declined the offer.

But she said, why worry about these things?

You should enjoy your college life to the fullest,

Go experience all sorts of different things.

I was a bit stunned and, feeling a little insecure, said:

I'm sorry, I need to consider these practical aspects.

If you encounter a similar situation,

In fact, we don't need to feel very inferior,

Because each of us has a different life journey,

So it will also lead to different views on money.

Therefore, we are just different in our views on money,

We are all equal.

That being said, like newly graduated students entering the workforce,

These travels for exploring the world and experiencing life,

Let's endure a bit and delay our indulgence as ordinary people.

If we want to become wealthy, what we need to do now is

That is, accumulate our first bucket of gold,

This is the only way to accelerate the effects of compound interest.

You can also watch my video about the concept of the "first bucket of gold".

Here's the video about the first bucket of gold.

Similarly, for those who have just started working after graduation,

For those who are getting married, having a wedding banquet, and having children,

We all need to carefully consider and plan for it,

Because once the child is born,

It will also significantly affect the speed at which we become wealthy.

So in this stage, our top priority is to delay gratification and

Learning to minimize the enjoyment of wealth depreciating

Many enjoyable activities are a one-time experience.

For example, Netflix, traveling, spa, and various experiences.

Traveling, spa, and various experiences.

At the same time, we also need to constantly look for opportunities to make money during this phase.

Opportunities to make money,

Such as part-time jobs, sideline businesses, running errands,

You have to try everything to find

opportunities that will help you quickly grow your wealth and

At that time, I did various part-time jobs to

At that time, I did various part-time jobs, such as insurance and

such as insurance and working as a cleaner in Singapore, doing various online advertising and video editing jobs,

doing various online advertising and video editing jobs, selling things at school, renting out cars, and so on.

Selling things at school, renting out cars, and so on. And then, by a stroke of luck,

I stumbled upon an opportunity.

I found a market research job related to new cars.

The salary for this job, for a college student like me at the time,

It was very high.

Looking for a new car owner,

Then knock on the door shamelessly for a survey,

You can earn RM100 immediately for each car you survey,

Although this job only lasts for 3-4 months,

But I can earn around 5000 Malaysian Ringgit every month from this job,

Earning around 5000 Malaysian Ringgit,

Resisting the temptation, I started to save some money.

When we had a little bit of money and savings, which isn't considered a wealthy situation,

Now, we have entered the sufficient stage.

In this stage, we can allocate our funds

We can divide it into several parts for different use.

My approach is to invest in myself, invest in my business,

Investing money and emergency savings.

Once you have these savings, it's time to put them to work.

First, invest in yourself,

For example, education:

Invest in your own knowledge.

For example, reading, ways of thinking, problem-solving;

For example, our skills:

Investing in our ability to operate in a certain field,

Such as copywriting, programming, sales, marketing,

managing social media, and so on.

All of the above are investments that enhance our potential to earn money in the future.

These are undoubtedly investments that enhance our potential to earn money in the future.

The return rates of these investments are surely over 100%.

Secondly, invest in business

Invest a portion of your money into the business you want to start.

At that time, I particularly liked the concept of making money online.

So I would often buy books and courses to learn,

Investing in my own skills,

I would also buy all sorts of different software to try out,

I even bought a better computer to improve my work efficiency,

Fortunately, because I enjoyed doing it, I put a lot of effort into it,

Before I knew it, I had created a successful YouTube channel,

And started building an online educational brand about personal growth,

Grow with it.

Ignite your life with knowledge, helping more people cultivate the necessary soft skills in life.

So never regret.

If you have ideas and passion, just do it bravely.

Because the things you love to do are often done better than others,

So it will also bring you higher income opportunities.

According to the theory of anti-fragility,

If you are willing to try more in the fields that you think have promising future development,

So the possibility of becoming the 20% in the 80/20 rule is very high.

So don't be afraid to try.

Third, invest money.

Of course, investing in business also carries risks,

Furthermore, in many situations, starting a business doesn't require a lot of money.

Because money is not the key to success in entrepreneurship.

So with the extra money, we can invest it and let the money work for us by generating more income.

Give your money a job to create more income for you.

Because if you keep your money in a bank or a fixed deposit,

Interest rates are only 1-2%.

The inflation rate is 5%.

You will lose 3% every year.

At that time I chose stocks because I was very interested in technology and information.

So because I was very interested in technology and information, I often read various things about

the development of technology and business information.

The advancement of technology and commercial information.

Because investing in stocks means investing in companies,

So naturally, they look at all kinds of information, learn how to judge,

And then they simply invest on the side,

So their grades are still considered pretty good,

They have an average annual return rate of 20% or more,

If you want to invest but don't have experience,

Investing in ETF funds is a good choice.

I will explain it to everyone in detail when I reach the stage of becoming rich.

Explaining it to everyone in detail.

The fourth part, emergency preparedness fund.

Now that we have savings, we also need to learn to be prepared for the worst. That way, life will only get better.

Prepare for the worst, so that life will only get better.

When you prepare for the worst,

You will thrive when the worst situation comes,

Just like the financial crisis of 07-08,

Many people wish they had a lot of funds at their disposal,

Many people wish they had a lot of funds at their disposal,

But I believe most people do not do so,

And they may keep selling their assets,

such as real estate or stocks,

They exchange assets for cash to solve the financial crisis at hand.

This time in 2020,

If you have good investment skills and spare funds,

This can actually be an opportunity to expand your wealth exponentially.

I took the opportunity to take out a loan and buy two houses this time.

Every financial event, big or small, will result in a redistribution of wealth.

If we are not prepared for the worst, we will end up distributing our wealth to others.

One's wealth will always be distributed to others.

When we have a stable foundation for wealth growth,

With various sources of income and emergency reserve funds,

And with some passive income from investments,

Now we come to the stage of preparing to get rich.

At this stage, the first thing we need to do is to set a

The goal of financial freedom.

Simply put, when your passive income every month is

greater than our family expenses,

So basically, we have reached the stage of financial freedom.

So what you need to calculate now is,

What is your family's expense?

Whether you have bought a house or got married and had children,

You can estimate roughly,

What kind of house do you want to live in,

What kind of car do you want to drive, and what kind of life do you want to live?

How much money do you need for all of this?

For example, if your annual household expenses are $10,000,

So your current financial freedom goal is to make sure that you have at least

more than $10,000 in passive income each year.

Once you know this number,

Now that you know this number,

Now we can calculate how to achieve this goal through investment.

How can we achieve this goal through investing?

If we invest in stocks or ETFs,

Assuming an annual average return of 10%,

What amount should we invest,

To achieve an annual passive income of $10,000,

it's simple. Just divide $10,000 by 10%,

which brings you to $100,000.

So, you'll get $100,000.

That $100,000 is your goal.

Just accumulate that amount and make it your money-making tool.

It will bring you a 10% return every year,

So you will generate a passive income of $10,000 each year.

It's actually not difficult to accumulate an investment amount of $100,000.

It depends on compound interest and active investment.

Assuming you have an initial capital of $10,000 now,

With a 10% compound interest rate,

You would need at least 25 years to reach $100,000 relying solely on your initial capital.

So, considering it would take at least 25 years,

Therefore, during the initial phase,

we definitely need to continuously add investment amount.

If we invest 30% of our income every year,

For example, if it's 5000 dollars,

Then the snowball will roll faster and faster,

It's just shortened from 25 years to 10 years immediately.

And as time goes by,

As our active income increases,

We can also invest more money to shorten the time to financial freedom again,

There's no problem until 8-5 years towards financial freedom,

So when you clarify your goals and do the calculations,

In fact, you will find that financial freedom is not that difficult.

The only difficulty lies in our endless desires.

You may ask me here,

I have never invested in stocks, as it is likely to lead to losses.

Where can I find such high-return and stable investment projects?

How about for beginners?

Investing in ETF funds benchmarked against the S&P 500 in the US

It's one of the simplest and easiest investment methods.

For example, funds such as VOO or SPY

track the companies on the S&P 500 index.

Simply put, investing in this fund

It's like investing in the top 500 companies listed in the US.

So not only can you benefit from stock price growth,

You can also enjoy dividend income.

Let's take a look at past historical data.

Investing in this index can yield an average annual return of around 8%.

From 1957 up to today,

Although there are periods where it may experience declines of over 10%,

But more often than not, it rises by over 20%,

This over 60 years of historical data is the best proof.

From this data, we can also see that

Even if you bought at the highest point at that time,

As long as you hold it for at least 20 years, you will make 100% profit.

Speaking of investment, we have to mention the investment methods.

Previously, we had to go to the local bank to open an account for investment.

The procedure was super complicated, and there were also handling fees.

We couldn't even invest in foreign ETFs, and the customer service was terrible.

Now, various online brokers are really convenient.

You can open an account, verify your identity, deposit and start investing right away from home.

Whether you use Firstrade, IB, etoro, webull, mitrade, tiger, or MooMoo,

webull, mitrade, tiger, or MooMoo, the threshold for all of them is quite low.

The threshold is quite low,

You can start investing with as low as 50 dollars,

Moreover, there are various promotional packages available from time to time.

Recently, I opened a new account on a platform,

I received a free share of Apple stock and a free share of NIO stock,

Judging from receiving these benefits,

Without investing seriously after opening an account, I immediately made a profit of 7%.

Those who want to receive benefits can also check out my video to see the process of my test reception.

Go check out the process of me receiving the benefits in the video.

Basically, now all major internet coupon brokers have VOO and SPY these two ETF funds.

You can usually find both the VOO and SPY ETF funds by inputting their corresponding codes.

You can usually find them by inputting their corresponding codes.

Just hold onto them and regularly add shares,

And just like I said earlier,

Because of the power of compounding,

It shortens the time it takes us to achieve financial freedom.

I started slowly accumulating stocks when I was 20 years old,

starting with $1000,

and now at 27 years old,

Has slowly grown to $200,000 in this stock market.

Also bought two new real estate projects,

Started another scheme to make profits using bank funds.

This strategy relies on compound interest with a 20% return, plus active investment.

With a 20% compound interest and active investing,

I invest most of my income as soon as I make it,

That's how I slowly accumulate wealth.

So, in this phase towards financial freedom,

What we need to learn is how to find a way

A way to stop worrying about basic living expenses.

And what I just did was finding a way to make the most of my money.

Of course, I still have various desires for now,

So I am still working hard on the journey to financial freedom.

Let's work harder together for our dreams!

In summary, ordinary people can refer to these four stages to move from debt to financial freedom.

You can refer to these four stages:

In the Negative Stage, clear debts and make yourself mentally secure;

In the Zero Stage, keep earning money and accumulate savings;

In the Footing Stage, keep improving yourself and start investing;

Finally, set a goal of financial freedom in the enrichment stage;

Creating passive income through expenses.

As long as we learn to think long-term,

And maintain clarity of purpose, taking consistent action,

The delayed gratification will become closer and closer to us.

So hopefully today's video,

Will inspire you as you grow and strive,

And help you find a path to wealth that suits you best.

Thank you for watching, if you enjoyed this video,

Please subscribe to my channel, like and share this video to inspire more people.

In the future, I will share more about practical wealth mindset with all of you.

Thank you all and see you in the next episode!