有哪些现实可行的方法可以让人在5年内变得富有？我现在25岁，希望在30岁时赚到20万美元左右，我有哪些选择？（二）
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评论翻译
2010年至2022年美国的联盟营销支出
该统计数字显示了2010年至2022年美国的联盟营销支出，单位为十亿美元，请注意，增长曲线多年来是稳定的，但似乎从2021年开始开始上升。
根据定义，联盟营销是一种简单的商业模式，在这种模式下，网站发布者（联盟）为广告商（商家）提供线索，以推广品牌、发展业务或产生销售。
这个概念可能看起来很简单，但是公司、代理机构和精明的个人互联网营销人员每年仅靠这个就能产生数百万美元的收入。
联盟营销有什么大不了的？
· 零门槛
你不必倾注数百万美元来起步，无论你是一个学生还是一个老奶奶，都没有关系，你所需要的只是一台电脑、笔记本，或一部有互联网连接的智能手机。
· 无库存
你不必应付成千上万的愤怒的顾客，比如没有收到货啦：因为他们从中国发货的商品被延误了。
你可以从零开始，几乎没有本钱（我是说真的！）
你可以把它几乎每一个方面都自动化，精明的互联网营销人员可以使用人工智能软件来实现一切自动化，把整个事情都交给软件来处理。
现在你知道它的好处了，那怎样去抓住这些好处带来的赚钱机会呢？
一旦你了解了互联网营销及其各种细节化的营销技巧，如文案写作、搜索引擎优化、电子邮件营销、社会媒体营销、本地广告、媒体购买、PPC、谷歌广告活动、Facebook广告活动，以及其他一系列营销技术，你就可以轻松上手。
联盟营销是一种每年可带来7-8位数收入的互联网商业模式。
续接上篇
4. Digital Publishing
You may think that there’s no money to be made in digital publishing, but think again.
The digital publication of e-books, digital magazines, and the development of digital libraries and catalogues are all examples of electronic publishing. It also has an editorial component, which entails editing books, journals, or periodicals that are primarily intended to be read on a digital device.
Selling books online is how Amazon started at first, but today, everybody is carrying a ton of e-books and audio books in their smartphone.
When you think about it, who doesn’t read books, including young kids? In fact, some kids have more books than grown-ups.
Digital publishing is a multi-million dollar industry. Typical digital publishing businesses make 7-figures a year or more.
4. 数字出版
你可能认为数字出版没什么钱赚，不，请你再想想。
电子图书的数字出版、数字杂志、数字图书馆和目录的开发都是电子出版的典型例子，它还有一个编辑的部分，编辑书籍，期刊或杂志，主要用于数字设备阅读。
在网上卖书是亚马逊最初的起点，但是今天，每个人都在他们的智能手机中携带着大量的电子书和有声书籍。
仔细想想，现在还有谁不读书？包括小孩子，有些孩子的书甚至比大人的还多。
数字出版是一个价值非常高的产业，典型的数字出版业务一年的收入达到或超过7位数。
You may think that there’s no money to be made in digital publishing, but think again.
The digital publication of e-books, digital magazines, and the development of digital libraries and catalogues are all examples of electronic publishing. It also has an editorial component, which entails editing books, journals, or periodicals that are primarily intended to be read on a digital device.
Selling books online is how Amazon started at first, but today, everybody is carrying a ton of e-books and audio books in their smartphone.
When you think about it, who doesn’t read books, including young kids? In fact, some kids have more books than grown-ups.
Digital publishing is a multi-million dollar industry. Typical digital publishing businesses make 7-figures a year or more.
4. 数字出版
你可能认为数字出版没什么钱赚，不，请你再想想。
电子图书的数字出版、数字杂志、数字图书馆和目录的开发都是电子出版的典型例子，它还有一个编辑的部分，编辑书籍，期刊或杂志，主要用于数字设备阅读。
在网上卖书是亚马逊最初的起点，但是今天，每个人都在他们的智能手机中携带着大量的电子书和有声书籍。
仔细想想，现在还有谁不读书？包括小孩子，有些孩子的书甚至比大人的还多。
数字出版是一个价值非常高的产业，典型的数字出版业务一年的收入达到或超过7位数。
5. Mobile Apps
According to Statista, there are 3.8 billion smartphone users in the world today, which means 48.16 percent of the world population owns a smartphone, compared to 2 billion computers including servers, desktops, and laptops.So, naturally, where do you think the most money will be made?
Smartphones of course. Smartphones don’t use a web browser natively, which means the best way to access a smartphone is via a mobile App.
And what do you think these 3.8 billion smartphone users will be demanding?
They'll be looking for smartphone apps to assist them manage their daily lives or play video games to kill time. To develop a smartphone app, you can either do it yourself if you know how to code, or you can work with a software developer to develop your app if you don't have coding skills.
A typical smartphone app can earn upwards of 7-figures a year.
5. 移动APP
根据Statista的数据，目前世界上有38亿智能手机用户，这意味着世界人口的48.16%拥有智能手机，而包括服务器、台式机和笔记本在内的电脑有20亿。
所以，自然而然地，你认为哪里能赚到最多的钱？
当然是智能手机。
智能手机本身不使用网络浏览器，这意味着访问智能手机的最佳方式是通过移动APP。
你认为这38亿智能手机用户的需求是什么？
他们会寻找智能手机APP来帮助他们管理日常生活或玩视频游戏来消磨时间，要开发一个智能手机APP，如果你知道如何编码，你可以自己做，或者如果你没有编码技能，你可以与软件开发商合作开发你的应用程序。
一个典型的智能手机APP一年的收入可以达到7位数以上。
According to Statista, there are 3.8 billion smartphone users in the world today, which means 48.16 percent of the world population owns a smartphone, compared to 2 billion computers including servers, desktops, and laptops.So, naturally, where do you think the most money will be made?
Smartphones of course. Smartphones don’t use a web browser natively, which means the best way to access a smartphone is via a mobile App.
And what do you think these 3.8 billion smartphone users will be demanding?
They'll be looking for smartphone apps to assist them manage their daily lives or play video games to kill time. To develop a smartphone app, you can either do it yourself if you know how to code, or you can work with a software developer to develop your app if you don't have coding skills.
A typical smartphone app can earn upwards of 7-figures a year.
5. 移动APP
根据Statista的数据，目前世界上有38亿智能手机用户，这意味着世界人口的48.16%拥有智能手机，而包括服务器、台式机和笔记本在内的电脑有20亿。
所以，自然而然地，你认为哪里能赚到最多的钱？
当然是智能手机。
智能手机本身不使用网络浏览器，这意味着访问智能手机的最佳方式是通过移动APP。
你认为这38亿智能手机用户的需求是什么？
他们会寻找智能手机APP来帮助他们管理日常生活或玩视频游戏来消磨时间，要开发一个智能手机APP，如果你知道如何编码，你可以自己做，或者如果你没有编码技能，你可以与软件开发商合作开发你的应用程序。
一个典型的智能手机APP一年的收入可以达到7位数以上。
6. Chatbots and AI
According to ChatBot expert, Murray Newlands, “Whereas ten years ago, every firm needed a website, and five years ago, every company needed an app, now every company needs to embrace messaging with AI and chatbots,”
What’s a Chatbot?
A chatbot is artificial intelligence (AI) software that can imitate a natural language discussion (or chat) with a user via messaging apps, websites, mobile apps, or the telephone.
Creating chatbots may appear difficult, but with tools like ManyChat, Chattypeople, and Chatfuel, you can quickly build a Facebook bot without any prior coding experience.
Chatbots can improve efficiency, enhance user experience, and generally, cut operational costs by up to 80%, so you can see where businesses are going and the opportunity that awaits you in this new technology.
6. 聊天机器人和人工智能
根据聊天机器人专家莫里纽兰兹的说法，“十年前，每个公司都需要一个网站，五年前，每个公司都需要一个移动应用，现在每个公司都需要使用人工智能和聊天机器人来发送信息。”
什么是聊天机器人？
聊天机器人是一种人工智能(AI)软件，可以通过消息应用、网站、移动应用或电话模仿用户的自然语言讨论(或聊天)。
创建聊天机器人可能看起来很困难，但是使用像 ManyChat、 Chattypeople 和 Chatfuel 这样的工具，你可以在没有任何编程经验的情况下快速构建一个 Facebook 聊天机器人。
聊天机器人可以提高效率，增强用户体验，并且通常可以降低高达80% 的运营成本，所以你可以看到企业的发展趋势以及这项新技术中等待你的机会。
According to ChatBot expert, Murray Newlands, “Whereas ten years ago, every firm needed a website, and five years ago, every company needed an app, now every company needs to embrace messaging with AI and chatbots,”
What’s a Chatbot?
A chatbot is artificial intelligence (AI) software that can imitate a natural language discussion (or chat) with a user via messaging apps, websites, mobile apps, or the telephone.
Creating chatbots may appear difficult, but with tools like ManyChat, Chattypeople, and Chatfuel, you can quickly build a Facebook bot without any prior coding experience.
Chatbots can improve efficiency, enhance user experience, and generally, cut operational costs by up to 80%, so you can see where businesses are going and the opportunity that awaits you in this new technology.
6. 聊天机器人和人工智能
根据聊天机器人专家莫里纽兰兹的说法，“十年前，每个公司都需要一个网站，五年前，每个公司都需要一个移动应用，现在每个公司都需要使用人工智能和聊天机器人来发送信息。”
什么是聊天机器人？
聊天机器人是一种人工智能(AI)软件，可以通过消息应用、网站、移动应用或电话模仿用户的自然语言讨论(或聊天)。
创建聊天机器人可能看起来很困难，但是使用像 ManyChat、 Chattypeople 和 Chatfuel 这样的工具，你可以在没有任何编程经验的情况下快速构建一个 Facebook 聊天机器人。
聊天机器人可以提高效率，增强用户体验，并且通常可以降低高达80% 的运营成本，所以你可以看到企业的发展趋势以及这项新技术中等待你的机会。
7. Blockchain
No doubt you’ve heard about Bitcoin and Ethereum, the two foremost cryptocurrencies ruling cyberspace. The technology underlying this new phenomenon is known as Blockchain.
Blockchain is a method of storing data that makes it difficult (if not impossible), to alter, hack, or trick the system. Blockchain is a sort of distributed ledger technology in which transactions are recorded using a hash, which is an immutable cryptographic signature.
However, cryptocurrency is not the only application for blockchain technology.
Blockchain technology is also used for the following applications:
Secure sharing of medical data
Control NFT marketplaces
Enable music royalties tracking
Secure cross-border payments
Real-time IoT (Internet of Things)
Operating systems
Personal identity security
Anti-money laundering tracking systems
Supply chain and logistics monitoring,
Any application that requires solid security.
Basically, blockchain technology is the biggest thing since the invention of the Internet, and blockchain applications will be in high demand.
As you can see, you can make a ton of money developing blockchain applications. At Silicon Valley in California, new blockchain techs are sprouting up almost on a daily basis, so we can conclude that this could be the new gold rush.
7. 区块链
毫无疑问，你一定听说过比特币和以太坊，这是统治网络空间的两种最重要的加密货币，这种新现象背后的技术被称为区块链。
区块链是一种存储数据的方法，它使得改变、入侵或欺骗系统变得非常困难（甚至不可能），区块链是一种分布式记账技术，其中交易使用哈希值记录，这是一种不可改变的加密签名。
然而，加密货币并不是区块链技术的唯一应用。
区块链技术也用于以下应用：
· 医疗数据的安全共享
· 控制非功能性交易平台
· 跨境支付安全
· 实时物联网
· 操作系统
· 个人身份安全
· 反洗钱追踪系统
· 供应链和物流监控
· 任何需要可靠安全性的应用
基本上，区块链技术是自互联网发明以来最大的事情，区块链应用将有很大的需求。
正如你所看到的，你可以通过开发区块链应用赚大钱，在加利福尼亚的硅谷，新的区块链技术几乎每天都在涌现，所以我们可以得出结论，这可能是新一波的淘金热。
No doubt you’ve heard about Bitcoin and Ethereum, the two foremost cryptocurrencies ruling cyberspace. The technology underlying this new phenomenon is known as Blockchain.
Blockchain is a method of storing data that makes it difficult (if not impossible), to alter, hack, or trick the system. Blockchain is a sort of distributed ledger technology in which transactions are recorded using a hash, which is an immutable cryptographic signature.
However, cryptocurrency is not the only application for blockchain technology.
Blockchain technology is also used for the following applications:
Secure sharing of medical data
Control NFT marketplaces
Enable music royalties tracking
Secure cross-border payments
Real-time IoT (Internet of Things)
Operating systems
Personal identity security
Anti-money laundering tracking systems
Supply chain and logistics monitoring,
Any application that requires solid security.
Basically, blockchain technology is the biggest thing since the invention of the Internet, and blockchain applications will be in high demand.
As you can see, you can make a ton of money developing blockchain applications. At Silicon Valley in California, new blockchain techs are sprouting up almost on a daily basis, so we can conclude that this could be the new gold rush.
7. 区块链
毫无疑问，你一定听说过比特币和以太坊，这是统治网络空间的两种最重要的加密货币，这种新现象背后的技术被称为区块链。
区块链是一种存储数据的方法，它使得改变、入侵或欺骗系统变得非常困难（甚至不可能），区块链是一种分布式记账技术，其中交易使用哈希值记录，这是一种不可改变的加密签名。
然而，加密货币并不是区块链技术的唯一应用。
区块链技术也用于以下应用：
· 医疗数据的安全共享
· 控制非功能性交易平台
· 跨境支付安全
· 实时物联网
· 操作系统
· 个人身份安全
· 反洗钱追踪系统
· 供应链和物流监控
· 任何需要可靠安全性的应用
基本上，区块链技术是自互联网发明以来最大的事情，区块链应用将有很大的需求。
正如你所看到的，你可以通过开发区块链应用赚大钱，在加利福尼亚的硅谷，新的区块链技术几乎每天都在涌现，所以我们可以得出结论，这可能是新一波的淘金热。
8. Affiliate Marketing Niche Sites
This is cliché. Ok, although you think you know affiliate marketing, what you don’t know is that this is the biggest Internet business model of all time.
Numbers don’t lie – right?
The following are numbers by Statista – a reputable research firm based in Hamburg, Germany:
[Affiliate Marketing spending in the United States from 2010 to 2022]
[The statistic shows the affiliate marketing spending in the United States from 2010 to 2022 in billions of dollars. Notice the growth curve is consistent over the years, but seems to take off from 2021 onwards.]
By definition, affiliate marketing is a simple business model where a website publisher (affiliate), generates leads to an advertiser (merchant), for purposes of promoting a brand, growing a business, or generating sales.
This definition may seem simple, but companies, agencies, and individual savvy internet marketers generate millions of dollars each year doing just this.
What’s the big deal about affiliate marketing?
Zero barriers to entry. You don’t have to pour in millions of dollars to start, and it doesn’t matter whether you’re a student or a grandma. All you need is a computer, laptop, or a smartphone with an Internet connection.
There’s no inventory involved. You don’t have to deal with thousands of angry customers who haven’t received their goods because they were delayed while being shipped from China.
You can start from zero, with little or no capital (I mean it!)
You can automate almost every aspect of it. Savvy internet marketers can use AI software to automate everything, leaving the entire thing in the hands of software, and just live like kings.
Now that you know the benefits what’s the catch?
There’s no catch once you understand Internet marketing and all its nitty-gritty marketing techniques like copywriting, SEO, email marketing, social media marketing, native Ads, media buys, PPC, Google Ad campaigns, Facebook Ad campaigns, and a host of other marketing techniques.
Affiliate marketing is a 7 – 8 figure per year Internet business model.
8. 联盟营销利基网站
这是老生常谈了，好吧，虽然你认为你了解联盟营销，但你不知道的是，这是有史以来最大的互联网商业模式。
数字是不会说谎的，对吗？
以下是Statista的数字（一家位于德国汉堡的著名调研公司）
This is cliché. Ok, although you think you know affiliate marketing, what you don’t know is that this is the biggest Internet business model of all time.
Numbers don’t lie – right?
The following are numbers by Statista – a reputable research firm based in Hamburg, Germany:
[Affiliate Marketing spending in the United States from 2010 to 2022]
[The statistic shows the affiliate marketing spending in the United States from 2010 to 2022 in billions of dollars. Notice the growth curve is consistent over the years, but seems to take off from 2021 onwards.]
By definition, affiliate marketing is a simple business model where a website publisher (affiliate), generates leads to an advertiser (merchant), for purposes of promoting a brand, growing a business, or generating sales.
This definition may seem simple, but companies, agencies, and individual savvy internet marketers generate millions of dollars each year doing just this.
What’s the big deal about affiliate marketing?
Zero barriers to entry. You don’t have to pour in millions of dollars to start, and it doesn’t matter whether you’re a student or a grandma. All you need is a computer, laptop, or a smartphone with an Internet connection.
There’s no inventory involved. You don’t have to deal with thousands of angry customers who haven’t received their goods because they were delayed while being shipped from China.
You can start from zero, with little or no capital (I mean it!)
You can automate almost every aspect of it. Savvy internet marketers can use AI software to automate everything, leaving the entire thing in the hands of software, and just live like kings.
Now that you know the benefits what’s the catch?
There’s no catch once you understand Internet marketing and all its nitty-gritty marketing techniques like copywriting, SEO, email marketing, social media marketing, native Ads, media buys, PPC, Google Ad campaigns, Facebook Ad campaigns, and a host of other marketing techniques.
Affiliate marketing is a 7 – 8 figure per year Internet business model.
8. 联盟营销利基网站
这是老生常谈了，好吧，虽然你认为你了解联盟营销，但你不知道的是，这是有史以来最大的互联网商业模式。
数字是不会说谎的，对吗？
以下是Statista的数字（一家位于德国汉堡的著名调研公司）
2010年至2022年美国的联盟营销支出
该统计数字显示了2010年至2022年美国的联盟营销支出，单位为十亿美元，请注意，增长曲线多年来是稳定的，但似乎从2021年开始开始上升。
根据定义，联盟营销是一种简单的商业模式，在这种模式下，网站发布者（联盟）为广告商（商家）提供线索，以推广品牌、发展业务或产生销售。
这个概念可能看起来很简单，但是公司、代理机构和精明的个人互联网营销人员每年仅靠这个就能产生数百万美元的收入。
联盟营销有什么大不了的？
· 零门槛
你不必倾注数百万美元来起步，无论你是一个学生还是一个老奶奶，都没有关系，你所需要的只是一台电脑、笔记本，或一部有互联网连接的智能手机。
· 无库存
你不必应付成千上万的愤怒的顾客，比如没有收到货啦：因为他们从中国发货的商品被延误了。
你可以从零开始，几乎没有本钱（我是说真的！）
你可以把它几乎每一个方面都自动化，精明的互联网营销人员可以使用人工智能软件来实现一切自动化，把整个事情都交给软件来处理。
现在你知道它的好处了，那怎样去抓住这些好处带来的赚钱机会呢？
一旦你了解了互联网营销及其各种细节化的营销技巧，如文案写作、搜索引擎优化、电子邮件营销、社会媒体营销、本地广告、媒体购买、PPC、谷歌广告活动、Facebook广告活动，以及其他一系列营销技术，你就可以轻松上手。
联盟营销是一种每年可带来7-8位数收入的互联网商业模式。
Tony Shaw
If you are looking to get rich in 5 years, it is important to look at your current financial situation and make a plan to improve it. If you are in debt, then your first step should be to pay off your debts. Next, you will want to start saving money for retirement and emergency funds. Finally, start investing in stocks or bonds that have the potential for higher returns.
如果你想在5年内变得富有，看看你目前的财务状况并制定一个改善它的计划是很重要的。
如果你负债，那么你的第一步应该是还清你的债务，接下来，你会想要开始为退休和应急基金存钱，最后，开始投资那些可能获得更高回报的股票或债券。
If you are looking to get rich in 5 years, it is important to look at your current financial situation and make a plan to improve it. If you are in debt, then your first step should be to pay off your debts. Next, you will want to start saving money for retirement and emergency funds. Finally, start investing in stocks or bonds that have the potential for higher returns.
如果你想在5年内变得富有，看看你目前的财务状况并制定一个改善它的计划是很重要的。
如果你负债，那么你的第一步应该是还清你的债务，接下来，你会想要开始为退休和应急基金存钱，最后，开始投资那些可能获得更高回报的股票或债券。
Janet Walters
Getting rich in 5 years starting from zero isn't easy to do. However, that depends on your definition of rich. Since your definition is $200k, that's very achievable. I'm sure many people reading this will assuming being rich means having millions of dollars, I know I do, in which case, achieving that in 5 years is a bit hard.
When people say they want to be rich, not all of them mean they want to have tons of money. For many people, what they really want is time freedom. They want to have enough money where they don't need to work. If you want tons of money, millions, 5 years isn't realistic, it's certainly possible, but not realistic. It's hard enough for someone starting with $100k to get "rich" let alone starting from zero.
But it's not impossible. Here are 2 books I think will help: The Millionaire Fastlane
and Early Retirement Extreme
For those who really want time freedom or the ability to retire, the truth is, you don't have to necessarily be rich; you only need to produce the right type of income.
5年内从零开始变得富有并不容易，然而，这取决于你对“富有”的定义。
既然你的定义是20万美元，那就很容易实现，我相信很多读这篇文章的人都会认为富有意味着拥有数百万美元，我就是这样认为的，在这种情况下，5年内实现这个目标有点困难。
当一个人说他们想变得富有，并不意味所有的人都想要很多钱，对许多人来说，他们真正想要的是时间自由，他们希望有足够的钱，不需要工作，如果你想要赚几百万，甚至数不清的钱，五年是不现实的，这当然是可能的，但是不现实。
对于一个从10万美元起步的人来说，要“发财”已经够难的了，更不用说从零开始了。
但这并非不可能，我认为以下两本书会有所帮助: 《百万富翁速成》《极限前退休》
对于那些真正想要时间自由或有能力退休的人来说，事实是，你不一定非要富有，你只需要创造合适的收入类型。
Getting rich in 5 years starting from zero isn't easy to do. However, that depends on your definition of rich. Since your definition is $200k, that's very achievable. I'm sure many people reading this will assuming being rich means having millions of dollars, I know I do, in which case, achieving that in 5 years is a bit hard.
When people say they want to be rich, not all of them mean they want to have tons of money. For many people, what they really want is time freedom. They want to have enough money where they don't need to work. If you want tons of money, millions, 5 years isn't realistic, it's certainly possible, but not realistic. It's hard enough for someone starting with $100k to get "rich" let alone starting from zero.
But it's not impossible. Here are 2 books I think will help: The Millionaire Fastlane
and Early Retirement Extreme
For those who really want time freedom or the ability to retire, the truth is, you don't have to necessarily be rich; you only need to produce the right type of income.
5年内从零开始变得富有并不容易，然而，这取决于你对“富有”的定义。
既然你的定义是20万美元，那就很容易实现，我相信很多读这篇文章的人都会认为富有意味着拥有数百万美元，我就是这样认为的，在这种情况下，5年内实现这个目标有点困难。
当一个人说他们想变得富有，并不意味所有的人都想要很多钱，对许多人来说，他们真正想要的是时间自由，他们希望有足够的钱，不需要工作，如果你想要赚几百万，甚至数不清的钱，五年是不现实的，这当然是可能的，但是不现实。
对于一个从10万美元起步的人来说，要“发财”已经够难的了，更不用说从零开始了。
但这并非不可能，我认为以下两本书会有所帮助: 《百万富翁速成》《极限前退休》
对于那些真正想要时间自由或有能力退休的人来说，事实是，你不一定非要富有，你只需要创造合适的收入类型。
Working Income
You see, most people trade in their time for money. Meaning, if they stop putting in the time, the money stops coming in. Take the typical person who works 40 hours a week and gets paid by the hour. If he works, he gets paid. If he doesn't work, he won't get paid. Simple enough.
For these people, in order to retire and not have to work, they have to make and save up enough money to last the rest of their life. The younger they are, the more they will need to have in order to retire. This is why most people can't retire until they're much older. Either they will have enough money or they will have less years left of life.
工作收入
你看，大多数人用他们的时间来交换金钱，也就是说，如果他们停止投入时间，钱也就停止流入了。
以一个典型的每周工作40小时，按小时计酬的人为例，如果他工作，他就能得到报酬，如果他不工作，他就得不到报酬，很简单。
对这些人来说，为了退休而不必工作，他们必须挣足够的钱并存起来以度过余生，他们越年轻，退休所需的钱就越多，这就是为什么大多数人直到年纪很大才能退休的原因，要么他们有足够的钱，要么他们只剩下不多的岁月。
You see, most people trade in their time for money. Meaning, if they stop putting in the time, the money stops coming in. Take the typical person who works 40 hours a week and gets paid by the hour. If he works, he gets paid. If he doesn't work, he won't get paid. Simple enough.
For these people, in order to retire and not have to work, they have to make and save up enough money to last the rest of their life. The younger they are, the more they will need to have in order to retire. This is why most people can't retire until they're much older. Either they will have enough money or they will have less years left of life.
工作收入
你看，大多数人用他们的时间来交换金钱，也就是说，如果他们停止投入时间，钱也就停止流入了。
以一个典型的每周工作40小时，按小时计酬的人为例，如果他工作，他就能得到报酬，如果他不工作，他就得不到报酬，很简单。
对这些人来说，为了退休而不必工作，他们必须挣足够的钱并存起来以度过余生，他们越年轻，退休所需的钱就越多，这就是为什么大多数人直到年纪很大才能退休的原因，要么他们有足够的钱，要么他们只剩下不多的岁月。
Passive Income
In order to have the option to not work and retire early, you need passive income. This is income where you no longer have to put in work to earn money.
For example, the interest you get in your savings account is passive income. You don't have to do a thing and you can still make money, albeit a very small amount.
Other examples include stock dividends, royalties from songs and books, businesses that can operate without your involvement, rentals (assuming you hire a property management company to do everything for you), and so on.
What most of these sources of income have in common is once you put the work in to set them up, you can step away and they will continue to produce money for you.
被动收入
为了能够选择不工作和提前退休，你需要被动收入，这是一种你不再需要通过工作来赚钱的收入。
例如，你在储蓄账户中获得的利息就是被动收入，你不需要做任何事情，你仍然可以赚钱，尽管数额很小。
其他例子包括股票红利、歌曲和书籍的版税、可以在没有你参与的情况下运营的企业、租金(假设你雇佣了一家物业管理公司为你做一切事情)等等。
这些收入来源的共同点是，一旦你投入去建立它们，你就可以放手不管，它们将继续为你创造财富。
In order to have the option to not work and retire early, you need passive income. This is income where you no longer have to put in work to earn money.
For example, the interest you get in your savings account is passive income. You don't have to do a thing and you can still make money, albeit a very small amount.
Other examples include stock dividends, royalties from songs and books, businesses that can operate without your involvement, rentals (assuming you hire a property management company to do everything for you), and so on.
What most of these sources of income have in common is once you put the work in to set them up, you can step away and they will continue to produce money for you.
被动收入
为了能够选择不工作和提前退休，你需要被动收入，这是一种你不再需要通过工作来赚钱的收入。
例如，你在储蓄账户中获得的利息就是被动收入，你不需要做任何事情，你仍然可以赚钱，尽管数额很小。
其他例子包括股票红利、歌曲和书籍的版税、可以在没有你参与的情况下运营的企业、租金(假设你雇佣了一家物业管理公司为你做一切事情)等等。
这些收入来源的共同点是，一旦你投入去建立它们，你就可以放手不管，它们将继续为你创造财富。
You Don't Need to Be Rich to Have Financial Freedom
Many people think they need millions to retire and if all they have is working income, then they're probably right. However, if you have enough passive income to cover all of your expenses, technically, you can retire even if you only had a few thousand dollars in the bank.
If you can create enough monthly passive income where it surpasses your monthly expenses, you're pretty much set.
Of course, the reality is, your income sources can sometimes dry up. This means, to be on the safe side, you will need to make a few times more than your expenses in passive income.
财务自由并不需要多富有
许多人认为他们需要几百万才能退休，如果他们只有工作收入，那么他们可能是对的，然而，如果你有足够的被动收入来支付你所有的开销，你也可以退休，即使你在银行里只有几千美元。
如果你能创造足够的月度被动收入，使其超过你的月度支出，你也差不多成功了。
当然，现实是，你的收入来源有时会枯竭，这意味着，为了安全起见，你需要赚取比被动收入多几倍的收入。
Many people think they need millions to retire and if all they have is working income, then they're probably right. However, if you have enough passive income to cover all of your expenses, technically, you can retire even if you only had a few thousand dollars in the bank.
If you can create enough monthly passive income where it surpasses your monthly expenses, you're pretty much set.
Of course, the reality is, your income sources can sometimes dry up. This means, to be on the safe side, you will need to make a few times more than your expenses in passive income.
财务自由并不需要多富有
许多人认为他们需要几百万才能退休，如果他们只有工作收入，那么他们可能是对的，然而，如果你有足够的被动收入来支付你所有的开销，你也可以退休，即使你在银行里只有几千美元。
如果你能创造足够的月度被动收入，使其超过你的月度支出，你也差不多成功了。
当然，现实是，你的收入来源有时会枯竭，这意味着，为了安全起见，你需要赚取比被动收入多几倍的收入。
Learn to Create Passive Income
Since we're assuming you're starting from zero, starting up a traditional brick and mortar business is probably out of the question unless you want to take a loan out and have someone to cosign.
My advice, maybe look into starting some sort of online business. If you want to learn how, here are a bunch online courses on Udemy
that you can take that will teach you specific ways to make money online such as sourcing and selling products on popular E-commerce sites like Amazon and Alibaba, creating apps, writing and publishing books on Amazon, affiliate marketing, investing, selling photos, creating websites, and a bunch of other ways.
$200k goal, 5 years is very doable.
A lot can happen in 5 years. If you want to achieve financial freedom, it can happen 5 years from now if you take massive action. Having millions of dollars in 5 years on the other hand, is a bit tough. It will likely mean taking bigger risks. Realistically, if that's your goal, I'd push the timeline out a bit further if you're starting from zero.
But the $200k goal, 5 years is very doable.
学会创造被动收入
因为我们假设你从零开始，因此，除非你想贷款并有人担保，否则启动一个传统的实体店业务是太不可能的。
我的建议是，也许可以考虑开展一些网上业务，如果你想学习怎么做，这里有一些关于 Udemy 的在线课程，你可以参加这些课程，学习在网上赚钱的具体方法，如在亚马逊和阿里巴巴等流行的电子商务网站上采购和销售产品，创建应用程序，写作和出版亚马逊的书籍，联盟营销，投资，销售照片，创建网站和一系列其他方式。
5年内可以发生很多事情，如果你想实现财务自由，如果你采取大量行动，5年后是能实现的，另一方面，在5年内赚百万美元可能会有点困难，这可能意味着要承担更大的风险，现实地说，如果这是你的目标，如果你从零开始，我会把时间线推得更远一些，5年20万美元的目标，是非常可行的。
Since we're assuming you're starting from zero, starting up a traditional brick and mortar business is probably out of the question unless you want to take a loan out and have someone to cosign.
My advice, maybe look into starting some sort of online business. If you want to learn how, here are a bunch online courses on Udemy
that you can take that will teach you specific ways to make money online such as sourcing and selling products on popular E-commerce sites like Amazon and Alibaba, creating apps, writing and publishing books on Amazon, affiliate marketing, investing, selling photos, creating websites, and a bunch of other ways.
$200k goal, 5 years is very doable.
A lot can happen in 5 years. If you want to achieve financial freedom, it can happen 5 years from now if you take massive action. Having millions of dollars in 5 years on the other hand, is a bit tough. It will likely mean taking bigger risks. Realistically, if that's your goal, I'd push the timeline out a bit further if you're starting from zero.
But the $200k goal, 5 years is very doable.
学会创造被动收入
因为我们假设你从零开始，因此，除非你想贷款并有人担保，否则启动一个传统的实体店业务是太不可能的。
我的建议是，也许可以考虑开展一些网上业务，如果你想学习怎么做，这里有一些关于 Udemy 的在线课程，你可以参加这些课程，学习在网上赚钱的具体方法，如在亚马逊和阿里巴巴等流行的电子商务网站上采购和销售产品，创建应用程序，写作和出版亚马逊的书籍，联盟营销，投资，销售照片，创建网站和一系列其他方式。
5年内可以发生很多事情，如果你想实现财务自由，如果你采取大量行动，5年后是能实现的，另一方面，在5年内赚百万美元可能会有点困难，这可能意味着要承担更大的风险，现实地说，如果这是你的目标，如果你从零开始，我会把时间线推得更远一些，5年20万美元的目标，是非常可行的。
Sean Grogg, User Experience Engineer, Google
I feel like a lot of people responded well to the question, but didn't take much of the comment into account - you want to have around $200k (I assume in disposable income) in 5 years. You want to acquire this money with a "common job".
So instead of making the most money we are concerned about something far healthier: reaching a goal.
我觉得很多人对这个问题的回答都很好，但很多人没有把这一点考虑进去——你想在5年内得到大约20万美元（我假设是可支配收入），你想通过一份“普通工作”赚到这笔钱。
因此，我们关注的不是赚最多的，而是为了更健康的事情：达到目标。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
I feel like a lot of people responded well to the question, but didn't take much of the comment into account - you want to have around $200k (I assume in disposable income) in 5 years. You want to acquire this money with a "common job".
So instead of making the most money we are concerned about something far healthier: reaching a goal.
我觉得很多人对这个问题的回答都很好，但很多人没有把这一点考虑进去——你想在5年内得到大约20万美元（我假设是可支配收入），你想通过一份“普通工作”赚到这笔钱。
因此，我们关注的不是赚最多的，而是为了更健康的事情：达到目标。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Step 1: Determine your minimum acceptable Quality of Life (QOL)
When it comes to reaching your goal you're going to want to take stock of the things that you want to do on the journey. Be realistic. I prefer energy drinks in the mornings, I like to go and see family every couple of months, I want really good internet for gaming, I don't like cooking for myself... these are all things to consider.
The idea is that you realistically represent yourself so that you can understand the kinds of expenses you're likely going to be dealing with over time. Don't lower the quality you are comfortable living at or you'll spend the 5 years annoyed at your goal rather than working happily towards it.
第一步：确定你可以接受的最低生活质量（QOL）
当谈到达成目标时，你会想要评估一下你在这个过程中想要做的事，要现实一点，我喜欢早上喝能量饮料，喜欢每隔几个月去看望家人，我希望有非常好的网络来玩游戏，我不喜欢自己做饭......这些都是需要考虑的事情。
这其中的想法是，你实际上代表着自己，这样你才可以了解随着时间的推移，你可能要处理的各种费用，不要降低你所适应的生活质量，否则你会在这5年中为你的目标而苦恼，而不是愉快地朝着它努力。
When it comes to reaching your goal you're going to want to take stock of the things that you want to do on the journey. Be realistic. I prefer energy drinks in the mornings, I like to go and see family every couple of months, I want really good internet for gaming, I don't like cooking for myself... these are all things to consider.
The idea is that you realistically represent yourself so that you can understand the kinds of expenses you're likely going to be dealing with over time. Don't lower the quality you are comfortable living at or you'll spend the 5 years annoyed at your goal rather than working happily towards it.
第一步：确定你可以接受的最低生活质量（QOL）
当谈到达成目标时，你会想要评估一下你在这个过程中想要做的事，要现实一点，我喜欢早上喝能量饮料，喜欢每隔几个月去看望家人，我希望有非常好的网络来玩游戏，我不喜欢自己做饭......这些都是需要考虑的事情。
这其中的想法是，你实际上代表着自己，这样你才可以了解随着时间的推移，你可能要处理的各种费用，不要降低你所适应的生活质量，否则你会在这5年中为你的目标而苦恼，而不是愉快地朝着它努力。
Step 2: Determine some "common jobs" you can fill
There are numerous jobs that pay relatively well. Because we have a 5 year span and a $200,000 goal we know we're going to need to be netting $40,000 per year after all expenses and taxes. I would recommend doubling that number, giving us a solid starting point of $80,000.
Now we need to find "common jobs" that pay in this range. $80,000 comes out to roughly $40/hour. To fill this kind of figure, you're likely going to need to look into some sort of trade or technical job. At this point, it really comes down to your education and experience as to what jobs are available to you.
第二步: 确定一些你可以胜任的 "普通工作"
有许多工作收入相对较高，而我们的目标是5年的跨度和20万美元，我们知道我们需要在扣除所有费用和税收后每年净赚4万美元，我建议将这个数字翻一番，给我们一个坚实的起点，即8万美元。
现在我们需要找到这个范围内的“普通工作”，8万美元大约是每小时40美元，为了填补这个数字，你可能需要调查一些贸易或技术方面的工作，在这一点上，真正的问题在于你的教育背景和经验，以及你能找到什么样的工作。
There are numerous jobs that pay relatively well. Because we have a 5 year span and a $200,000 goal we know we're going to need to be netting $40,000 per year after all expenses and taxes. I would recommend doubling that number, giving us a solid starting point of $80,000.
Now we need to find "common jobs" that pay in this range. $80,000 comes out to roughly $40/hour. To fill this kind of figure, you're likely going to need to look into some sort of trade or technical job. At this point, it really comes down to your education and experience as to what jobs are available to you.
第二步: 确定一些你可以胜任的 "普通工作"
有许多工作收入相对较高，而我们的目标是5年的跨度和20万美元，我们知道我们需要在扣除所有费用和税收后每年净赚4万美元，我建议将这个数字翻一番，给我们一个坚实的起点，即8万美元。
现在我们需要找到这个范围内的“普通工作”，8万美元大约是每小时40美元，为了填补这个数字，你可能需要调查一些贸易或技术方面的工作，在这一点上，真正的问题在于你的教育背景和经验，以及你能找到什么样的工作。
Step 3: Start considering expenses
Now that you've decided what kind of job you want to position yourself for it's time to consider expenses more closely. With a job actually in mind you can begin looking into the location you'll want to live and factor expenses accordingly. Take things like rental costs, transportation (car or public), and all your QOL items into account. Work out your monthly expenses and from there extrapolate into annual expenses.
This is important because it helps you actually break down your expenses rather than getting lost looking at a particular salary figure too hard. This is a common mistake many novice programmers make - many see the high salary figures being offered in locations like San Francisco and make the mistake of applying those salary figures to their current expenses rather than adjusting accordingly. Going from a $25k income to a $100k income sounds amazing... until your rent suddenly increases tenfold. However, other things like transportation may decrease if you currently drive and consider taking public transit in a city.
第三步：开始考虑开支
现在你已经决定了你要给自己定位什么样的工作，是时候更仔细地考虑开支了，有了实际的工作，你就可以开始考虑你想住的地方，并考虑相应的费用，把诸如租金、交通（汽车或公共交通工具）和所有你生活质量相关的项目都考虑在内，计算出你的月度开支，并依此推算出年度开支。
这一点很重要，因为它可以帮助你真正地分解你的开支，而不是在某个特定的工资数字前迷失方向，这是许多新手程序员常犯的错误——许多人看到旧金山等地提供的高薪数字，并错误地将这些工资应用于他们目前的支出，而没有进行相应调整，2.5万美元的收入到10万美元的收入，听起来很不可思议......直到你的房租突然增加10倍，如果你目前开车出行，你可以考虑在乘坐公共交通工具，像交通出行这类费用可能就会减少。
Now that you've decided what kind of job you want to position yourself for it's time to consider expenses more closely. With a job actually in mind you can begin looking into the location you'll want to live and factor expenses accordingly. Take things like rental costs, transportation (car or public), and all your QOL items into account. Work out your monthly expenses and from there extrapolate into annual expenses.
This is important because it helps you actually break down your expenses rather than getting lost looking at a particular salary figure too hard. This is a common mistake many novice programmers make - many see the high salary figures being offered in locations like San Francisco and make the mistake of applying those salary figures to their current expenses rather than adjusting accordingly. Going from a $25k income to a $100k income sounds amazing... until your rent suddenly increases tenfold. However, other things like transportation may decrease if you currently drive and consider taking public transit in a city.
第三步：开始考虑开支
现在你已经决定了你要给自己定位什么样的工作，是时候更仔细地考虑开支了，有了实际的工作，你就可以开始考虑你想住的地方，并考虑相应的费用，把诸如租金、交通（汽车或公共交通工具）和所有你生活质量相关的项目都考虑在内，计算出你的月度开支，并依此推算出年度开支。
这一点很重要，因为它可以帮助你真正地分解你的开支，而不是在某个特定的工资数字前迷失方向，这是许多新手程序员常犯的错误——许多人看到旧金山等地提供的高薪数字，并错误地将这些工资应用于他们目前的支出，而没有进行相应调整，2.5万美元的收入到10万美元的收入，听起来很不可思议......直到你的房租突然增加10倍，如果你目前开车出行，你可以考虑在乘坐公共交通工具，像交通出行这类费用可能就会减少。
Step 4: Determine your take-home figure
Now it's time to take your salary figure and deduct taxes from it. After taxes, an $80,000 salary looks closer to just shy of $60,000. There are various calculators that will do most of this for you, but your tax situation is your own.
After you have your post-tax salary, start deducting those expenses. Remove your year's rent, insurances, estimated meal/entertainment costs, etc. Remember to use the figures provided for where you'll be living - this includes doing some research on how even something as silly as a cup of coffee may change in price!
Deduct all these expenses from your post-tax salary to arrive at your take-home figure. This is how much you'll be able to sock away towards your $200,000 goal. If the number isn't over $40,000 then it's time to scrap this particular job and look at another.
第四步: 确定你的实际收入数字
现在是时候拿出你的工资数字并从中扣除税款了，扣除税后，8万美元的年薪实际收入差不多接近6万美元的样子，有各种各样的计算器可以帮你完成大部分的工作，但是你的税收情况只有你自己清楚。
在你拿到税后工资后，开始扣除这些费用，除去当年的租金、保险费、预计餐费/娱乐费等，记住要用你居住地所在的数字，这包括做一些研究，即使像一杯咖啡这样愚蠢的东西也可能价格完全不同！
从你的税后工资中扣除所有这些费用，得出你的实得数字，最后才是你为20万美元目标实际存下的钱，如果这个数字不超过40,000美元，那么是时候放弃这份工作，换一份工作了。
Now it's time to take your salary figure and deduct taxes from it. After taxes, an $80,000 salary looks closer to just shy of $60,000. There are various calculators that will do most of this for you, but your tax situation is your own.
After you have your post-tax salary, start deducting those expenses. Remove your year's rent, insurances, estimated meal/entertainment costs, etc. Remember to use the figures provided for where you'll be living - this includes doing some research on how even something as silly as a cup of coffee may change in price!
Deduct all these expenses from your post-tax salary to arrive at your take-home figure. This is how much you'll be able to sock away towards your $200,000 goal. If the number isn't over $40,000 then it's time to scrap this particular job and look at another.
第四步: 确定你的实际收入数字
现在是时候拿出你的工资数字并从中扣除税款了，扣除税后，8万美元的年薪实际收入差不多接近6万美元的样子，有各种各样的计算器可以帮你完成大部分的工作，但是你的税收情况只有你自己清楚。
在你拿到税后工资后，开始扣除这些费用，除去当年的租金、保险费、预计餐费/娱乐费等，记住要用你居住地所在的数字，这包括做一些研究，即使像一杯咖啡这样愚蠢的东西也可能价格完全不同！
从你的税后工资中扣除所有这些费用，得出你的实得数字，最后才是你为20万美元目标实际存下的钱，如果这个数字不超过40,000美元，那么是时候放弃这份工作，换一份工作了。
Optional Step: Consider other factors
What if a job is in an industry you don't currently have experience in? What if it's a specialized trade and will require schooling and/or apprenticeship? Can you deal with some of these factors and still reach your goal?
If you require additional education/experience to get a job remember to adjust your goal accordingly: where you may have had 5 years you may need six months of education and job hunting to get a job - you now have 4.5 years and should adjust accordingly. As well, supplemental education will have costs associated with it and those should be considered against your goal (i.e. if the school costs $5000 your new target number is $205,000 to account for the cost).
可选步骤: 考虑其它因素
如果一份工作是在一个你目前还没有经验的行业，那该怎么办？如果这是一个特殊的行业，需要学历或学徒经历怎么办？你能处理好其中的一些因素并且仍然达到你的目标吗？
如果你需要额外的教育/经验来获得一份工作，记得相应地调整你的目标：
你有5年的时间，但你可能需要6个月的时间接受教育培训和找工作——你现在剩下4.5年的时间，所以应该相应地做出调整，另外，补充教育也会有相关的费用，这些费用应该按你的目标做出相对应的调整 ( 即如果学费是5000美元，那么你的新目标数字是205,000美元)。
What if a job is in an industry you don't currently have experience in? What if it's a specialized trade and will require schooling and/or apprenticeship? Can you deal with some of these factors and still reach your goal?
If you require additional education/experience to get a job remember to adjust your goal accordingly: where you may have had 5 years you may need six months of education and job hunting to get a job - you now have 4.5 years and should adjust accordingly. As well, supplemental education will have costs associated with it and those should be considered against your goal (i.e. if the school costs $5000 your new target number is $205,000 to account for the cost).
可选步骤: 考虑其它因素
如果一份工作是在一个你目前还没有经验的行业，那该怎么办？如果这是一个特殊的行业，需要学历或学徒经历怎么办？你能处理好其中的一些因素并且仍然达到你的目标吗？
如果你需要额外的教育/经验来获得一份工作，记得相应地调整你的目标：
你有5年的时间，但你可能需要6个月的时间接受教育培训和找工作——你现在剩下4.5年的时间，所以应该相应地做出调整，另外，补充教育也会有相关的费用，这些费用应该按你的目标做出相对应的调整 ( 即如果学费是5000美元，那么你的新目标数字是205,000美元)。
Optional Step: Side-business
Once you have a routine in place see if there are ways you can operate a business on the side to increase your income. Things such as mentoring others in your present field or starting a hobby shop can be a way of producing some extra income to help offset some of your expenses. Just remember to apply the above to the adjustments you'll be making to your income (additional income will be taxed, for example) and be sure not to do anything that would contribute to burnout.
可选步骤： 副业
一旦你有了日常工作，看看是否有办法通过副业来增加你的收入，诸如在你目前的领域指导他人或开办一个业余商店，都是能产生额外收入的方式，可以帮助抵消你的一些开支，不过要记住要依此你的收入进行的调整（例如，额外的收入将被征税），并且确保不要做任何会导致精疲力竭的事情。
Once you have a routine in place see if there are ways you can operate a business on the side to increase your income. Things such as mentoring others in your present field or starting a hobby shop can be a way of producing some extra income to help offset some of your expenses. Just remember to apply the above to the adjustments you'll be making to your income (additional income will be taxed, for example) and be sure not to do anything that would contribute to burnout.
可选步骤： 副业
一旦你有了日常工作，看看是否有办法通过副业来增加你的收入，诸如在你目前的领域指导他人或开办一个业余商店，都是能产生额外收入的方式，可以帮助抵消你的一些开支，不过要记住要依此你的收入进行的调整（例如，额外的收入将被征税），并且确保不要做任何会导致精疲力竭的事情。
Optional Step: Invest
Investing your money is a great way to get more out of it. In my opinion, you should first invest in yourself (get any education/experience to perform your job and be compensated well for it), pay off debts , then invest safely (bonds and blue-chip stocks, preferably).
可选步骤: 投资
投资是一个获得更多收益的好方法，在我看来，你应该首先对自己进行投资（获得教育/经验来完成你的工作，并因此获得良好的报酬），偿还债务 ，然后进行安全的投资（最好是债券和蓝筹股）。
Investing your money is a great way to get more out of it. In my opinion, you should first invest in yourself (get any education/experience to perform your job and be compensated well for it), pay off debts , then invest safely (bonds and blue-chip stocks, preferably).
可选步骤: 投资
投资是一个获得更多收益的好方法，在我看来，你应该首先对自己进行投资（获得教育/经验来完成你的工作，并因此获得良好的报酬），偿还债务 ，然后进行安全的投资（最好是债券和蓝筹股）。
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