要想扩大收支差,除了控制开支,另一个就是增加收入,也就是开源。
作者在这一段里讲到用副业开源的两种方式:用时间换钱的副业和投资型副业。我个人更相中后者,虽然会更难,但里面会有复利效应。
PS:建议大家先看英文,再看中文。这样也可顺带学学地道的英语表达法~(#^.^#)
《逃逸格子间》之六
原文:
You are , and the best use of your time comes from that you can share with the world— that’s , , old , or .
come in two forms:
#1: -Time-for-Money:
These are the in which you trade your time for money.
You could tutor , math or for high- or at $20 – $35 per hour. You could write for from
cents to $2+ per word. If you have a skill, you could work as a or coach for from $50 to $250+ per hour.
Do you have ? Look for a who’s to let you at your own home, while you’re your own kids.
Or find a that you Can work on after your kids go to bed, like , and , , , data entry, or any other of that can off- peak hours.
My first more than a ago, when I a story to a local food .
They liked my idea, and hired me to write the for 50 cents per word. It was a 300-word , so I $150 for an that took me about an hour to and write.
But the real of that first wasn’t the $150 . It was the that this .
That first gig led to , then , then . I knew it, my from my grew into the , then the tens- of-.
But -time-for-money is only the first step in the world. The next step is to “level up” into the next tier of :
#2: :
These of .
This your time. It the time-for-money trade.
It means money in your sleep.
You can this real , , , – , and a of other cash-
flow .Here are a few :
》You a for $100,000 with a 20 down . You spend 4 hard to get ready. You the space. You build your team of and . You a legal . After this, you rent each unit for $800 per month. Your of $20,000 is now you $1,600 in gross every month —or $19,200 each year. After , you half. Best of all, your team . You can re-focus your time on other .
》You build a about the best in . You spend six hard every and . After this start-up, it money and . You hire a who can run the day-to-day : with , the .You kick back and enjoy the .
》You a small piece of that a C . It doesn’t have a large , but the niche of who need it are fans. You sell this your , use a of the to pay your team, and enjoy the rest of the . Time-for-money are a quick win. They’ll put cash in your this week.
– a self- flow of money, but they might take – or years – to .
Which is ? I say, enjoy both. Use time-for-money to give you that cash that you need in order to to the next level. Then use to build
with , hire a team, and self- Cash flow . Money boils down to three : , , and .
Your ‘’ is the gap what you earn and what you spend.
Make that gap as wide as . Then the gap.
Pour those into such as index funds and real . These will more , which the gap and you to even more money.
And a self- cycle is born.
阿莱译文:
利用时间的最佳方式就是和这个世界分享你的价值。比如辅导学生、做个软件、翻新旧房子、写文章、设计网站等等。
副业有两种形式:
1.用时间换钱。
你可以给高中生辅导英语、数学或其他课程,每小时挣各20-35块。也可以写文章投稿,赚稿费。如果你有一技之长LED软件挣钱副业,可以给别人当顾问或教练。
如果你有孩子,也可以看看有没有别人的孩子需要照顾,你可以顺带和自己的孩子一起照顾,赚点外快。
或者,找一份孩子睡着后可以干的活儿。像平面设计、写作、编辑、翻译、编码、数据输入等等。
我的第一份副业是在十年前,那时我给当地的一家美食杂志写了一篇文章。
这家杂志认为我的点子不错,就让我写篇文章,每个字50美分。那篇文章也就300字,我花了一个小时研究和写作,挣到150美金。
不过,对我来说,这篇文章的真正价值并不是那150块,而是为我打开了一扇门。
就这样我开始尝试各种副业。
不知不觉中,我通过副业就挣到了上千美金,后面又超过了上万美金。
但是,用时间换钱只是副业的第一步。下一步是进入副业的更高层次:
2.投资型副业。
这种副业可以创造持续的被动收入。
能让你的时间起到杠杆作用LED软件挣钱副业,打破“用时间换金钱”的低效方式。
也就是说,就算你在睡觉,也能挣钱。
那有哪些这样“投资型”的副业呢?
房产出租、建个网站、获得版权、持有分红型股票及其他能产生现金流的投资等。
以下是一些例子:
·你买了一所复式公寓,首付20%,10万美金。
然后,花几个月时间,把这个公寓给翻新一下,然后以每月1600美金的价格给租出去。
翻新房子的投入资金是2万块。现在,每月可收租1600块,每年就是19200块,这就是稳定的现金流。
你总共就花了几个月时间,后面就基本不用花什么时间了,却一直能收到稳定的收益。
与此同时,你可以把时间花在其他能产生价值的事情上。
·你搭建了一个网站,花了半年时间。
完成后不久,慢慢开始有收入了,广告、佣金等等。
你雇了一个管理员来专门运营这个网站。这样你就不用花费精力和时间来管这个网站了。只需定期核查一下就好。
与此同时,网站持续为你赚取收益。
·你写了一个软件,能解决某个特定问题,虽然比较小众,但需要的人会为之疯狂。
你可以用这个软件获得持续的用户收益和广告收益。
用时间换金钱的副业能挣快钱,但耗费的是时间。
投资型副业虽然挣不了快钱,或许要花上几个月,甚至一两年,但能创造稳定的现金流。
哪一个更好呢?
我会说,两个都可以尝试。一开始,你可以尝试用时间换金钱的副业,它能为你即时挣钱。当然,慢慢你可以过渡到投资型副业上,它能为你建立系统,创造稳定持续的现金流。
归根结底,管好钱就是三件事:
挣钱、存钱和投资。
你存的钱就是收支差。
尽可能扩大这个收支差。然后把这个钱投资到指数基金、房地产等资产上去。
这些投资会创造更多的收益,从而金进一步扩大收支差,继续投资,形成良性循环。
这样一个永续循环系统就产生了。而复利就在其中悄然起效。
未完待续……
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