Most people use their money to buy themselves misery. They buy big houses with big mortgages and that takes 50% of their paycheck.

They're stuck there like an anchor, and it forces them to live a low, insecure, small life. They're using their money to buy misery every day.

I only have made it important because it allows me to buy assets that give me my time back.

That's the only, the only reason to have money is to do that, because at the end of the day, that's all that matters is your time.

But people aren't doing that. They're compromising their time. They're compromising their happiness. They're compromising relationships, compromising everything in pursuit of money to then use it to buy dumb stuff that makes them miserable.

How many years did you spend to be time-rich? >> Well, when I was working in Abu Dhabi, I would drive, I'd leave Dubai.

I was living in Dubai and working in Abu Dhabi. It's about an hour and a half commute there and an hour and a half commute back.

So I get in my car in the morning, drive there, >> work there, drive home five days a week.

>> Oh, and and and I read the book, the audiobook at the time, 'cause there was no podcast back then.

The 4-Hour Workweek by Tim Ferriss. >> All day. >> Yeah. And so I thought, well, I want a 4-hour workweek.

>> It was profound. The philosophy of how he lived is how I wanted to live. I don't like to do what other people do. I like to do what the crowd is not doing.

That's why I fell in love with Warren Buffett. Be greedy when others are fearful and be fearful when others are greedy.

So I like to zig when people zag, right? So I was like, well, everyone else is commuting, busy on the roads.

Everyone's doing this. If if everyone did it and everyone was rich, all right, you get rich doing it, everyone would be rich.

So I'm like, what am I going to do? So I listen to that book and I'm like, okay, first and foremost, I need to get out of this job because a job stands for just over broke.

I was like, I need to get out of this job. So I saved up about $30,000 and I then resigned from my job.

I walked out of that job when I was 28, and I came back to Australia and got into business with my dad.

Now my dad had been in business for a long time. He has a real estate business and I never had any real estate experience.

So I came back here and got into real estate because I needed to learn selling and I needed to learn marketing.

I needed to learn small business. Now I didn't have any wage, nothing, no money. I just had to make sales and it took me six months of work before I made my first sale paycheck.

Yeah, very. But I had like saved up enough money to be able to do that. So I funded my way into that situation.

And that's why I say money buys happiness because one, the money that I'd saved up allowed me to retire, uh, resign from my job.

>> Made me happy. >> Then it allowed me to get into business with my dad. I learned more skills and I made a bit more money, which made me happy.

>> But then as I was doing that, I was still working six days a week. It was better 'cause my commute was 15, 10 minutes.

>> My commute to work was only 10 minutes, >> and I was working with my dad. I love and I enjoyed that more, much more than what I did before.

But then I was like, you know, I don't have the freedom I really want.

So I started after that, I started in network marketing on the side to make extra money to invest in shares 'cause that was my objective is to get the share portfolio to 2 million to get enough passive income.

So I started with my wife and my sister and we started marketing, you know, health supplements online and we scaled it to, it took us about 4 years to scale it to 180,000 a year income and I was like, wow, we have our job still plus we have 180,000 a year income and that was put into our share portfolio and scaling our portfolio and I got my shareholding in Berkshire halfway up to 400,000.

I think at that time, this was in 2000, I was buying shares for $89.

so that's how I started to build wealth. Now, what happened then was I was like, "Well, I don't want to go to the office anymore and work." So, we had enough money from our side business.

And that was 11 years ago. And so, that at that point in 2018, I had a conversation with my dad.

I had to break up with my dad and leave the business, which was not easy to do and go out on our own in our online supplements business.

Like, we traveled everywhere. We, I've been to Machu Picchu, Peru, Hawaii, America. Like, we've traveled a lot. Mhm.

So, I would say when I was truly free was 2018, but the day and the year I decided I wanted to, when I listened to that book by Tim Ferriss, 4-Hour Workweek, was 2010.

So, I think to answer your question, it was 8 years. Eight years is what it took. It took eight years.

Yeah. To have that freedom. And then beyond that, you know, since 2018, what's that? Two, seven, the last seven years, we've really just fortified our position.

We've started three more, four more businesses. We have built our portfolio up further.

We've got no debt. Uh, we have a little bit of business debt on a laundromat we own. We rent. We don't own our place.

We live on the river here. We don't own a house. We don't have a mortgage.

We're mortgage-free. So we rent. We have one car that's paid off. We have no credit card debt. We have a share multi-million dollar share portfolio.

And we have four businesses or five businesses that cash flow us. Two of them are online. One's a laundromat business that acquires laundromats.

Another one's an events business, and we just started, uh, we really literally just started an accounting business.

Mhm. So, I've just found that I think positioning or figuring out a life that was going to create more time was it just made more sense to me than, "Well, how much money can I make?

" 'Cause I I read this really good quote today.

Actually, this is really good. I shared it to my stories on Instagram.

So, here we go. "No price is too high to pay for the privilege of owning yourself." No price is too high to pay for the privilege of owning yourself.

But anyway, think about that. So when people say, "Well, how long did it take or was it worth it?

" Or, "Did you put effort in?" No price was too high for me to pay for the privilege of owning my own life.

So I was prepared to do anything is what that means. I was I was unstoppable. Like nothing made more sense to me than being able to do what I want when I want.

Like just that that's wealth. Rich is when you got lots of money, but you can be rich with lots of money and have no relationships, divorced, no relationships with your friends, you have no time to go skiing.

Yeah, you can be so busy that your calendar owns you.

You don't own your life. So, I own my calendar.

I spend time with my wife every day. We do anything we want. We go lunch together.

I've got good friends. I spend time with them. We just went skiing in New Zealand just off the cuff. A friend of mine invited us to go helicopter skiing in New Zealand.

Wow. So, we just said, "Yeah, we'll go because we can because we've positioned our businesses, our lives, our partnership, our diary, our finances in a way that enables that." And I just don't think people are building their life with that philosophy.

They're building a life of a philosophy of, well, I'll work really hard and I'll make all this money, and when I get this much money, then I'll live my life.

For me, that's backwards. I think Warren Buffett says it best. You know, he said that's like saving up sex for old age.

Like, why don't you just build a life? And by all accounts, for sure, it takes effort to build businesses.

Without a doubt, I'm not saying I never worked. I'm not saying I still don't work. I still work now, but I work in such a way that I get people to do things for me and with me.

I've got partnerships, um, systems. I'll do the systems do a lot of the heavy lifting.

You know, like while we've been doing this this morning, our sales team's been doing sales for us.

My marketing partner is doing all the marketing for our book. I've got our laundromat just pulling in money just like every day, my business partner's currently... This morning he was at a laundromat convention.

I'm not... he's there because he's in charge of the operations, and um, our network marketing business is ticking along, you know, like everything's leveraged.

So I think if you're looking at, like everyone knows about compound interest. I think it was um, Albert Einstein that said it's the eighth wonder of the world.

Those who understand it will do well, and those who don't will pay the price. But the ninth wonder of the world, once I worked this out, it made us way rich.

Like you get your time back and you get money, and it's called leverage.

Leverage. Leverage is the actual wealth builder. And there's three types of leverage. One is the one we both know, which is capital leverage.

So like if you look at who's great at that is Warren Buffett. Like he he he buys, like capital leverage is where you buy income.

So like you buy shares in an ETF or something that pays you passive income, right?

That's a good way. You're leveraging your capital to produce money. The second one is uh, people leverage, and this is an underappreciated... It's the easiest leverage because you just get someone to do something for you.

Like here's an example: Let's say, let's say you're filming now, and as you leave here to get on the plane today to go to Sydney, you send this episode to someone on Fiverr, and they do the editing for you.

Yeah. Right. So you're leveraging that person to do the bit of work while you're free.

>> Employee. >> Yeah. Well, it's it's I think what scares people about people leverage is they think they've got to get an employee, >> but you don't.

You just have to leverage someone's skills for a short period of time and contract them.

>> So, I look to contract people, not employ people. So, I want them to produce something.

I don't want them to just get paid for their time. And so, finding other people to do things for you.

So, finding someone to do your sales, finding someone to do your editing, find someone to do your like >> I outsourced our podcast development and production and everything to ask someone else, >> so I don't have to do it.

>> Um, and I So, finding others, there's a really good book on this that your audience can grab.

It's by a guy called Dan Sullivan. >> Mhm.

>> Brilliant book. It changed how I thought about time and business. It's called The Who, Not the How. >> The Who, Not the How. It's all about people ask themselves a question, well, how will I do this?

And how will like how will I start a podcast? How will I edit?

How will I do this? How? And the answer's the question is wrong. It's who will do this? Who? And if you look at leverage, it's like if you get other people doing things for you, you don't have to do it.

And on a very small scale, let me explain this little lesson.

There's two stories. One is Warren Buffett. >> I think he was seven or eight at the time.

And, uh, what he would do is he would go to the local golf courses and he would fish out the balls from the water and he would sell the balls back to the clubhouse.

So he at a very young age, he was, he was business savvy, right?

And he realized that getting the balls out of the water was a very dirty job. I don't want to do dirty jobs. Like he says this, he has this saying, hard work won't kill you, but why take the risk?

And so he hired, what he did was he said to his friend, "Listen, if you fetch the balls, I'll pay you like 30% or 50% of the profits." So the guy, the kid was fishing the balls out, won, took the balls and sold them, they were paid a dollar and he paid him 50 cents.

Business. Yes. Business is about not working and people think it's about working. And the minute you stop working and start actually getting others to do it for you, then you're a business owner.

I've got two, uh, who are three nieces, but one of my wife's sister's got two young girls, very young.

And they were getting a gold star at school. If they did a job, Uh-huh. at home, like a chore, they would get paid a dollar.

And so what that was teaching her was how to work. And I said to her mom and I said, uh, you know, if you want to teach her business, get her to tell her you're going to pay a dollar for this chore.

Like, make the bed, do the dishes, you'll get paid a dollar, as an example. What you need to teach her is get her to get her youngest sister to do those tasks for her, while she sits on the couch and watches TV.

And then pay her the dollar, and she pays the sister 50.

That is business. That's how business works. Because there's a saying, it's better to own 10% of a watermelon than 100% of a grape.

What does it mean? Well, if you own 100% of a grape, grapes this big, you own 100%, which means you're doing everything.

“수십억을 벌고 깨달았어요”, 99%는 모르는 돈에서 자유로워지는 방법 | 호주 Ep.7-2

Expand your perspective on the world

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真正的财富在于掌控自己的时间，而不是金钱本身。通过运用金钱来购买能带来时间回报的资产，可以实现财务自由和生活自主，避免为金钱牺牲幸福和人际关系。

实现财务自由的道路是渐进的，需要通过兼职创业、投资和系统化运营来逐步积累资产和被动收入。例如，作者用了八年时间，从朝九晚五的工作到拥有多项生意和百万美元投资组合，最终获得时间自由。

杠杆是创造财富的关键，分为资本杠杆（投资产生被动收入）、人力杠杆（让他人为你工作）和系统杠杆（利用软件和流程自动化）。其中，系统杠杆因其不间断、高效能的特点，能够最大化地节省时间和精力。

根据视频，人们普遍如何错误地使用金钱，导致痛苦而非幸福？

视频中提到的三种“杠杆”是什么？它们在积累财富和时间自由方面各有什么作用？

演讲者从在阿布扎比工作到实现财务和时间自由，经历了怎样的职业和投资转变？这个过程花了多长时间？

“拥有10%的西瓜比拥有100%的葡萄更好”这句话在商业和财富积累中意味着什么？

演讲者认为金钱何时才能买到幸福？他强调拥有金钱的唯一真正目的是什么？

大多数人用他们的钱来购买痛苦。他们购买有巨额抵押贷款的大房子，这占据了他们50%的薪水。

他们像锚一样被困在那里，这迫使他们过着一种低微、没有安全感、渺小的生活。他们每天都在用他们的钱购买痛苦。

我只把它看得重要，因为它允许我购买能给我带来时间回报的资产。

这是唯一的，拥有金钱的唯一原因就是为了做到这一点，因为归根结底，最重要的就是你的时间。

但是人们没有这样做。他们正在妥协自己的时间。他们正在妥协自己的幸福。他们正在妥协人际关系，妥协一切，为了追求金钱，然后用它来购买让他们痛苦的愚蠢的东西。

你花了多少年才变得时间充裕？>> 嗯，当我在阿布扎比工作时，我会开车，我会离开迪拜。

我住在迪拜，在阿布扎比工作。单程大约一个半小时，回来也是一个半小时。

所以我早上上车，开车去那里，>> 在那里工作，一周五天开车回家。

>> 哦，而且我读了那本书，当时的音频书，因为那时还没有播客。

蒂姆·费里斯的《每周工作4小时》。>> 一整天。>> 是的。所以我想，嗯，我想要一个每周工作4小时的生活。

>> 这很深刻。他生活方式的哲学就是我想要的生活方式。我不喜欢做别人做的事情。我喜欢做大众不做的事情。

这就是为什么我爱上了沃伦·巴菲特。当别人恐惧时贪婪，当别人贪婪时恐惧。

所以我喜欢在人们扎堆时走另一条路，对吧？所以我就想，嗯，其他人都通勤，在路上忙碌。

每个人都在这样做。如果每个人都这样做，每个人都变得富有，好吧，你通过这样做变得富有，每个人都会富有。

所以我就想，我要做什么？所以我听了那本书，我就想，好吧，首先，我需要摆脱这份工作，因为一份工作仅仅意味着勉强糊口。

我就想，我得辞掉这份工作。所以我存了大约3万美元，然后就辞职了。

28岁那年，我离开了那份工作，回到澳大利亚，和我爸爸一起做生意。

我爸爸做生意很久了。他有一家房地产公司，但我从来没有任何房地产经验。

所以我回到这里做房地产，因为我需要学习销售，需要学习营销。

我需要学习小企业经营。当时我没有任何工资，什么都没有，没有钱。我只能靠销售，我花了六个月的时间才赚到第一笔销售收入。

是的，非常不安。但我存了足够的钱来做这件事。所以我自己出资进入了那种境地。

这就是为什么我说金钱能买到幸福，因为第一，我存的钱让我能够退休，呃，辞掉我的工作。

>> 让我感到快乐。>> 然后它让我能和我爸爸一起做生意。我学到了更多的技能，也赚了更多的钱，这让我感到快乐。

>> 但当我做这些的时候，我仍然每周工作六天。情况好多了，因为我上下班只需要10到15分钟。

>> 我上下班只需要10分钟，>> 而且我和我爸爸一起工作。我喜欢并且更享受它，比我以前做的要好得多。

但后来我就想，你知道吗，我没有我真正想要的自由。

所以在之后，我开始在业余时间做网络营销，赚额外的钱来投资股票，因为我的目标是让股票投资组合达到200万，以获得足够的被动收入。

所以我开始和我的妻子和妹妹一起做营销，你知道，在网上销售保健品，我们把它扩大到，我们花了大约4年的时间把它扩大到每年18万的收入，我就想，哇，我们还有工作，而且我们每年还有18万的收入，这些钱都投入到我们的股票投资组合中，扩大我们的投资组合，我在伯克希尔哈撒韦的股份达到了40万。

我想当时，那是2000年，我以89美元的价格购买股票。

这就是我开始积累财富的方式。后来，我就想，我不想再去办公室工作了。所以，我们的副业赚了足够的钱。

那是11年前的事了。所以在2018年的时候，我和我父亲进行了一次谈话。

我不得不和我父亲决裂，离开家族企业，这并不容易，然后我们开始了自己的在线补给品生意。

我们去了很多地方。我去过秘鲁的马丘比丘，夏威夷，美国。我们去过很多地方。嗯哼。

所以，我觉得我真正获得自由是在2018年，但我决定想要自由的那一天，那一年，我听了蒂姆·费里斯的《每周工作4小时》这本书，那是2010年。

所以，我想回答你的问题，花了8年时间。花了八年时间。花了八年时间。

是的。为了获得那种自由。然后，从2018年开始，到现在呢？两年，七年，在过去的七年里，我们真的只是巩固了我们的地位。

我们又开始了三到四个生意。我们进一步扩大了我们的投资组合。

我们没有债务。嗯，我们在一家我们拥有的自助洗衣店里有一点商业债务。我们是租房的。我们没有自己的房子。

我们住在这条河边。我们没有自己的房子。我们没有抵押贷款。

我们没有抵押贷款。所以我们是租房的。我们有一辆已经付清的车。我们没有信用卡债务。我们有一个数百万美元的股票投资组合。

我们有四到五个生意给我们带来现金流。其中两个是在线的。一个是收购自助洗衣店的自助洗衣店生意。

另一个是活动策划生意，我们刚刚开始，嗯，我们真的只是刚刚开始一家会计事务所。

嗯哼。所以，我只是觉得，找到一个能够创造更多时间的生活方式，对我来说比“我能赚多少钱？”更有意义。

“因为我今天读到了一个非常好的引言。

实际上，这非常好。我把它分享到了我的Instagram快拍上。

好了，我们开始。“为了拥有自己的特权，付出任何代价都不为过。”为了拥有自己的特权，付出任何代价都不为过。

但无论如何，想想这句话。所以当人们说，“嗯，这花了多长时间，值得吗？”

或者，“你为此付出了努力吗？”为了拥有自己生活的特权，我愿意付出任何代价。

所以这意味着我准备做任何事情。我是势不可挡的。没有什么比能够随心所欲地做自己想做的事情更有意义了。

就像那样，那就是财富。富有是指你有很多钱，但你可能有很多钱，却没有良好的人际关系，离婚了，没有朋友关系，没有时间去滑雪。

是的，你可能会非常忙，以至于你的日历控制了你。

你并不拥有自己的生活。所以，我掌控着我的日历。

我每天都和我的妻子在一起。我们做任何我们想做的事情。我们一起去吃午饭。

我有很多好朋友。我和他们一起度过时光。我们刚去新西兰滑雪，都是临时起意。我的一个朋友邀请我们去新西兰乘坐直升机滑雪。

哇。所以，我们直接说，“好的，我们去，因为我们可以，因为我们已经以一种能够实现这一目标的方式安排了我们的业务、我们的生活、我们的合作关系、我们的日程、我们的财务。”我只是觉得人们并没有以这种理念来构建自己的生活。

他们构建的生活理念是，嗯，我会非常努力地工作，我会赚很多钱，当我赚到这么多钱的时候，我才会开始生活。

对我来说，那是本末倒置的。我认为沃伦·巴菲特说得最好。你知道，他说那就像把性生活存到老年一样。

就像，你为什么不直接构建一种生活呢？当然，毫无疑问，建立企业需要付出努力。

毫无疑问，我不是说我从来没有工作过。我不是说我现在仍然不工作。我现在仍然工作，但我工作的方式是让人们为我和我一起做事。

我有合作关系，嗯，系统。我会让系统来完成大部分繁重的工作。

你知道，就像我们今天上午一直在做这件事一样，我们的销售团队一直在为我们做销售。

我的营销伙伴正在为我们的书做所有的营销。我的自助洗衣店每天都在赚钱，我的商业伙伴目前……今天早上他在一个自助洗衣店大会上。

我不是……他在那里是因为他负责运营，而且，嗯，我们的网络营销业务也在顺利进行，你知道，一切都被杠杆化了。

所以我觉得如果你正在看，就像每个人都知道复利一样。我认为是阿尔伯特·爱因斯坦说的，它是世界第八大奇迹。

那些理解它的人会做得很好，而那些不理解它的人将付出代价。但是，一旦我弄清楚了世界第九大奇迹，它就让我们变得非常富有。

就像你找回了你的时间，而且你得到了钱，这叫做杠杆。

杠杆。杠杆是真正的财富建造者。而且有三种类型的杠杆。一种是我们都知道的，那就是资本杠杆。

所以，如果你看看谁在这方面做得很好，那就是沃伦·巴菲特。就像他购买一样，资本杠杆就是你购买收入的地方。

所以，就像你购买ETF中的股份或者其他能给你带来被动收入的东西，对吧？

这是一个好方法。你正在利用你的资本来产生金钱。第二种是人力杠杆，这是一种被低估的……这是最简单的杠杆，因为你只需要让别人为你做某事。

举个例子：假设，假设你现在正在拍摄，当你今天离开这里，登上飞机去悉尼时，你把这一集发送给Fiverr上的某个人，他们为你做编辑。

是的。对。所以你正在利用那个人来完成一部分工作，而你是自由的。

>> 雇员。>> 是的。嗯，我认为人们对人力杠杆感到害怕的是，他们认为他们必须找一个雇员，>> 但你不需要。

你只需要在短时间内利用某人的技能，并与他们签订合同。

>> 所以，我倾向于与人签订合同，而不是雇用人。所以，我希望他们能生产出一些东西。

我不希望他们只是为了时间而获得报酬。所以，找到其他人为你做事。

所以，找到人来做你的销售，找到人来做你的编辑，找到人来做你的……我把我的播客开发、制作以及所有的事情都外包给别人，这样我就不必自己做了。

嗯，所以，找到其他人，有一本非常好的书可以给你的观众。

>> 非常棒的一本书。它改变了我对时间和商业的看法。它叫做《谁来做，而不是怎么做》。>> 《谁来做，而不是怎么做》。人们总是问自己一个问题，我该怎么做？

我该如何开始一个播客？我该如何编辑？

我该怎么做？如何？但问题是错误的。应该是谁来做？谁？如果你考虑杠杆，就像如果你让别人为你做事，你就不必自己做了。

让我用一个小例子来解释这个小道理。

有两个故事。一个是沃伦·巴菲特。>> 我想他当时七八岁。

他会去当地的高尔夫球场，从水里捞出球，然后把球卖回给俱乐部。

所以他在很小的时候就很有商业头脑，对吧？

他意识到从水里捞球是一项非常脏的工作。我不想做脏活。就像他说的那样，他有句名言，努力工作不会杀死你，但为什么要冒这个险呢？

所以他雇佣了他的朋友，他对他的朋友说：“听着，如果你去捞球，我会给你30%或50%的利润。”所以那个孩子去捞球，捞到球后卖掉，赚了一美元，他付给他50美分。

商业。是的。商业是不工作，而人们认为它是工作。当你停止工作，开始让别人为你做事时，你才是企业主。

我有两个，呃，有三个侄女，但我妻子的姐妹有两个小女儿，非常小。

她们在学校里得到了一颗金星。如果她们在家里做了一份工作，嗯哼，比如做家务，她们会得到一美元的报酬。

所以这教给她的是如何工作。我对她的妈妈说，我说，呃，你知道，如果你想教她做生意，让她告诉你，你将为这项家务支付一美元。

比如，整理床铺，洗碗，你会得到一美元的报酬，作为一个例子。你需要教她的是，让她让她的妹妹为她做这些事情，而她自己则坐在沙发上看电视。

然后付给她一美元，她付给妹妹50美分。

这就是生意。生意就是这样运作的。因为有一句话说，拥有10%的西瓜比拥有100%的葡萄更好。

“수십억을 벌고 깨달았어요”, 99%는 모르는 돈에서 자유로워지는 방법 | 호주 Ep.7-2

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