Making six figures at the age of 25 and then multi six figures at the age of 30,

25歳で6ケタ、30歳でマルチ6ケタ、

I can hands down look back and say there were so many mistakes that I made along the way.

私は振り返ってみて、多くの失敗があったと断言できる。

And so in this video, I wanted to share with you seven of what I think are the biggest mistakes high income earners make and strategies to avoid them before it's too late.

そこでこのビデオでは、私が考える高所得者が犯す7つの大きな過ちと、手遅れになる前にそれを避けるための戦略を紹介したい。

Number one, being tied to golden handcuffs.

その1、金色の手錠につながれていること。

This is probably the mistake that cost me the most number of years, and it's one of the most common mistakes I see people around me make.

これはおそらく、私が最も長い年月を費やした過ちであり、私の周りの人々が犯す最も一般的な過ちの一つである。

Golden handcuffs is essentially when a company pays you so well that you forget or you sideline what you really want to do.

黄金の手錠とは、要するに、会社があまりに高い報酬をくれるために、自分が本当にやりたいことを忘れてしまったり、傍観してしまったりすることだ。

It pays you enough to forget about your path, your dreams, your vision.

自分の進路や夢、ビジョンを忘れても十分な報酬が得られる。

When I first started my job in banking, I was making £35,000 and I remember thinking at the time if I were to do my own thing or change career paths, I'd need to earn the same amount to be able to justify the move. I looked into a few alternatives, but I was so comfortable with where I was, so I just continued to go down that same path.

銀行で仕事を始めた当初、私は3万5,000ポンドを稼いでいました。当時、もし自分の仕事をしたり、キャリアの道を変えたりするのであれば、同じ額を稼がなければ、転職を正当化できないと考えたことを覚えています。いくつかの選択肢を検討したけれど、私は今いる場所にとても満足していたから、同じ道を進み続けた。

And then a few years later, I was on six figures and I thought about it again.

そして数年後、6桁の給料をもらって、また考えたんだ。

I didn't really like my job at this point. I considered switching career paths, applying for other jobs, doing my own thing. I looked into all the options and very quickly realized that I am not going to sustain the level of income that I was on doing something else.

この時点で、私は自分の仕事が好きではなかった。進路を変えることも、他の仕事に応募することも、自分の仕事をすることも考えた。あらゆる選択肢を検討した結果、他の仕事では今の収入を維持できないことがすぐにわかった。

And so again, buried this feeling inside of me, continued working. With every passing year,

そうしてまた、この気持ちを自分の中に埋めて仕事を続けた。年を追うごとに、

I got another pay rise, a promotion, a bigger bonus. And year after year, these golden handcuffs got tighter and tighter. And it was only nine years in to my corporate career where I took a step back and thought, I actually hate what I do. I'm earning a good salary, but I don't even have the time or the freedom to enjoy it. I have very little control or autonomy over my life. And my relationship is shit because I'm always unhappy. And I let myself get to that point before realizing that I had the keys to the golden handcuffs all along.

また給料が上がり、昇進し、ボーナスが増えた。そして年々、金の手錠はきつくなっていった。会社勤めを始めて9年目に、私は一歩引いて考えた。いい給料をもらっているのに、それを楽しむ時間も自由もない。自分の人生をほとんどコントロールできないし、自主性もない。いつも不幸だから、人間関係もうまくいかない。そして、金縛りの鍵をずっと持っていたことに気づく前に、自分をそこまで追い込んでしまった。

And what I'm trying to say is that sometimes when you're earning or used to earning a lot of money, it can be so tempting to just stay the path, but don't make the mistake of letting the fear of losing what you have prevent you from chasing what you truly want. Don't let it make you complacent if you aren't happy with where you are. Number two, not allowing yourself to spend.

私が言いたいのは、大金を稼いでいるとき、あるいは大金を稼ぐことに慣れているとき、その道に留まりたくなることがある。自分の現状に満足していなくても、それで満足してはいけない。その2：浪費を許さない。

I know people who have hundreds of thousands in the bank, but they're not able to spend their money joyfully. When you've got to a good place after years of scrimping and saving and counting every penny, it's then very hard to break out the habit that got you there. Even after achieving financial security, the idea of spending money on yourself or for fun or for joy, it just seems like a foreign concept and requires a shift of mindset from one that is of scarcity to one that is of abundance. So something now that I've implemented and I do, I have a fun budget in my tracker, and this is essentially a must spend percentage of my income. And I allocate 20% of my income every month on anything that I want, activities, experiences, eating out, clothes, absolutely anything. That way I'm still enjoying my life while I pursue my bigger financial goals. It's not just one or the other. Remember the hard work and the frugality that helped you accumulate your wealth doesn't have to define your spending habits for the rest of your life. It's okay to let go and enjoy your money. You've earned it. Number three, being overly dependent on one income stream. When you're making a lot of money from one income stream alone, it's super easy to just double down on it and become very reliant on it, overly dependent on it. And up until six years ago,

銀行に何十万も預金がある人を知っているが、彼らはお金を楽しく使うことができない。何年も倹約と節約を続け、1円単位のお金を計算し続けた結果、いいところに辿り着いたとしても、そこに辿り着いた習慣を断ち切るのはとても難しい。経済的な安定を得た後でも、自分のため、楽しみのため、喜びのためにお金を使うという考え方は、異質なもののように思えるし、乏しいものから豊かなものへと考え方を変える必要がある。だから今、私が実践しているのは、トラッカーに楽しみの予算を設定することだ。アクティビティ、体験、外食、洋服など、絶対に欲

I was so dependent on my income for my day job, everything, my life, my flat, my car, everything would pretty much disappear if I'd lost my job. And this is a very vulnerable place to be in. It's very easy to be reliant on just one source of income and just assume that it will keep paying you. Yeah. Focus on maximizing what you make from it. Focus on moving jobs, getting a better pay, negotiating a salary, go for the extra promotions, but you still need to have other income streams and do something on the side, do whatever you need to so that you're not relying on just this one income stream because having one stream of income is too close to none. There are a lot of ways to make extra money outside of your nine to five. You just need to be a little bit more creative. In this video here, I talk about the other business ideas and passive income streams that I have as well. If you are looking to start your own side business of any sort, then one thing that can really help you from the start is understanding and being clear about the market potential, your competition, and exactly who your potential customers would be. I only really thought about this seriously halfway through my journey and ended up having to change direction on a few things and would have done some things differently if I knew what I know now back then.

本業の収入に依存していたから、仕事を失ったら、生活も、アパートも、車も、何もかもがなくなってしまう。これはとても脆弱な状態だ。ひとつの収入源に依存するのはとても簡単なことで、その収入源から給料が支払われ続けると思い込んでしまう。そうだね。その収入源を最大限に生かすことに集中するんだ。仕事を移したり、もっといい給料をもらったり、給料交渉をしたり、昇進を目指したりすることに集中するんだ。でも、他の収入源も必要だし、副業をしたり、必要なことは何でもして、1つの収入源だけに頼らないようにするんだ。9時から5時まで

If you want to learn more about how to start a business and you want templates or guides that can prompt you with things to consider from the outset, then I would highly recommend HubSpot's completely free business starter toolkit. It comes with a really comprehensive business plan template which will help you with your business, your vision, established goals, and plan for success. To ensure your business idea is viable, it also offers a feasibility study template.

起業の方法についてもっと知りたい、最初から検討すべきことを教えてくれるテンプレートやガイドが欲しいという方には、HubSpotの完全無料のビジネス・スターター・ツールキットを強くお勧めします。本当に包括的なビジネスプランのテンプレートが付属しており、あなたのビジネス、ビジョン、確立した目標、成功のための計画について手助けしてくれます。あなたのビジネスアイデアが実現可能であることを確認するために、フィージビリティ・スタディのテンプレートも用意されています。

There's also a free business startup calculator that helps you with the financial aspects of starting a business. It helps you identify the potential costs associated with starting your business. Once again, this business starter kit HubSpot provides is available completely for free if you want to check it out in the description box below. Thank you to HubSpot for sponsoring this video. The fourth biggest mistake I see high earners make is waiting too long to start investing. According to a 2019 report by UBS Investor Watch, Billionaire's Insights it was called, it's noted that as the wealth of someone increases, so does their reluctance to spend or invest due to the fear of losing what they've worked so hard to accumulate. And the report found that over 60% of high net worth individuals suffer from decision paralysis. People prefer, especially at that level, to keep their money in a bank account because it feels safe, especially if they haven't become familiar with the idea of investing. Once you have an emergency fund, once you've paid off your high interest rate debt, you need to start making the rest of that money that you earn work for you. But the problem a lot of high earners have is that because they haven't got into the habit of investing, they have a lump sum that they're ready to invest, but they're now too scared to do anything with it. Their emotions take over. They don't want to lose it. They continue waiting and waiting until they think is the best time to get into the market. If you invest 200 a month for 30 years into the market at an average market return of 8%, you can expect to have a pot of over 270,000. If you wait until you have more money to invest and say you get to a point where you have the ability to invest a thousand a month and only have 10 years to invest it, with the same return, you'll end up with less. You'll actually end up with just over 170,000. Even though we often have the money to start investing with, we fall prey to this myth that we still need more to get started. And then we get to a point where we do have enough. We end up being too scared to invest it because we think we'll lose it. The way I see it, other than the money that you have for your emergency fund, the money that you are saving for an important big purchase or the money that you're investing into your learning or into a side business, the rest should just be parked away, taking along in a low cost index fund as soon as possible. In the comments on my last video that I released, there were so many people saying, where can you get this return? Where can you get a 6% return? Where can you get an 8% return? If you are new to investing and you know you should be doing it, you just don't know how to go about it, then I have a free masterclass that is releasing very soon. We'll cover at what point you should start investing, how much you need, what to invest in, and how to do it safely and strategically. If you want to know more, check the link below. Again, it is completely 100% free.

また、起業の財務面で役立つ無料の起業計算機もあります。起業に関連する潜在的なコストを特定するのに役立ちます。もう一度言いますが、HubSpotが提供するこのビジネス・スターター・キットは完全に無料で利用できます。このビデオをスポンサーしてくださったHubSpotに感謝します。高所得者が犯す4番目の大きな過ちは、投資を始めるのを長く待ちすぎることだ。UBS Investor Watchの2019年版レポート「Billionaire's Insights」によると、富が増えるにつれて、苦労して貯めたものを失う

The next biggest money mistake is not giving money away. There are countless studies that show once you earn enough money to have your basic needs covered, every extra or additional amount of money you make after a certain threshold doesn't really move the needle that much when it comes to your happiness. And what I found is that despite a lot of people knowing this and being aware of it, we don't really consider how else we should use the money to make ourselves feel good.

次に大きな過ちは、お金を手放さないことだ。数え切れないほどの研究があるが、基本的な必要を満たすだけのお金を稼いだら、ある一定の基準額を超えたり、追加で稼いだりしても、幸せの針はそれほど動かないということを示している。そして私が発見したのは、多くの人がこのことを知っていて、それを意識しているにもかかわらず、私たちは自分たちが良い気分になるために、他にどのようにお金を使うべきかをあまり考えていないということだ。

We just keep spending it on ourselves. And what I found is that out of all the things that I've spent on, the area that brings me the most happiness, the most joy, most fulfillment, is spending on other people or gifting money in some way. And giving away money can mean very different things for very different people. Maybe it's paying for your mom's operation so that she has less pain, paying for your grandma's electricity bill every month so that it's affordable to her. Maybe it's putting money towards the animal shelter down the road that you've wanted to support. Just helping a little is going to make you feel good about yourself and help others in the process. It is literally a win-win. And I truly believe that the more you can give away what has come to you, the more the universe will give you more of it because it understands that it's in the right hands of someone that is using it to do better.

私たちは自分のためにお金を使い続けている。そして私が発見したのは、私が費やしたあらゆるものの中で、最も幸福感や喜び、充実感をもたらしてくれるのは、他の人のためにお金を使うか、何らかの形でお金を贈ることだということだ。そして、お金を贈るということは、実にさまざまな人にとって実にさまざまな意味を持つ。お母さんの手術代を払って痛みを軽減させるとか、おばあちゃんの電気代を毎月払って負担を軽くするとか。もしかしたら、あなたが支援したいと思っていたこの先の動物保護施設にお金を出すことかもしれない。少し手助けをするだけ

The next money mistake is working too much. There's a book written by an Australian nurse who recorded the top five dying regrets that she found amongst patients that she cared for in their final weeks of their lives. And their number one regret was,

次のお金の間違いは、働きすぎることだ。オーストラリアの看護師が書いた本に、最期の数週間を看取った患者の後悔トップ5を記録したものがある。そして、彼らの後悔の第1位はこうだった、

I wish I had the courage to live a life true to myself, not the life others expected of me.

他人から期待される人生ではなく、自分自身に忠実な人生を生きる勇気があればと思う。

And the second was, I wish I hadn't worked so hard. Money is a huge part of our lives.

そして2つ目は、こんなに働かなきゃよかったということだ。お金は私たちの人生に大きな影響を与える。

It touches so many elements of our day-to-day. It unlocks countless opportunities. But there comes to a point where the pursuit of working more and more just for the sake of money comes at the cost of other things that are more important in life. Spending time with people you love, taking time out and enjoying the money you earn, that's the true essence of why we make money is to live a life that makes us happy. And when it comes to a point where the scale tips and you're working just to make more money, even though other things will actually bring you more happiness, then you know it's time to tip that scale the other way again.

それは私たちの日々の多くの要素に触れる。それは数え切れないほどのチャンスを解き放つ。しかし、お金のためだけにもっともっと働こうとすると、人生においてもっと重要な他のことが犠牲になる時が来る。愛する人たちと過ごす時間、時間を取ること、稼いだお金を楽しむこと。その天秤が傾き、より多くのお金を稼ぐためだけに働くようになったとき、他のことの方がより多くの幸福をもたらすにもかかわらず。

The next money mistake is ruining relationships because of money. TD Ameritrade's 2018 survey found that 53% of millennials say it would be worth it, quote-unquote, to go into credit card debt if it meant that they can attend a wedding of a close friend or a family member. We live in a society where it's almost an expectation now to attend someone's wedding or a hen or a stag, even if it means going into debt as a result. But not everyone has the same priorities as you or as someone else when it comes to money. And thinking otherwise can cause the end of really good friendships. Looking at my Saco friends alone, I have some friends who openly acknowledge that they've chosen a career that doesn't pay well because they're doing it out of passion, out of service, and they don't care about the money side of it. And there are others who openly acknowledge that they're only doing their job for money and they have zero passion for it. To maintain a genuine friendship with people from different backgrounds that isn't based on how much money you have, you have to be mindful that not everyone has the same priorities when it comes to money. Just because one person wants to eat out at a fancy restaurant doesn't mean other people want to do the same or they have the same standard. Just because one person can afford to go on an extravagant destination hen or to organize an extravagant destination hen doesn't mean everyone else can. If you want to maintain genuine, authentic relationships and friendships, we can't let money or lack of define our connections. It's the shared experiences, the shared understanding, the mutual respect, that is where the foundations of genuine relationships are built, not in the size of a bank balance. And number eight, this is a bit of a bonus one that I thought about as I was recording, and it's not hiring an accountant or a lawyer.

次のお金の過ちは、お金のために人間関係を壊すことだ。TDアメリトレードの2018年の調査によると、ミレニアル世代の53％が、親しい友人や家族の結婚式に出席するためなら、クレジットカードで借金をする価値がある、と答えている。たとえ借金をすることになっても、誰かの結婚式に出席すること、あるいは親族の結婚式に出席することが、今やほとんど当然のことになっている社会である。しかし、お金に関して、すべての人があなたや他の人と同じ優先順位を持っているわけではありません。そうでないと考えることは、本当に良い友人関係を終わ

When you have a sizable amount of money, it's easy to still think in the same ways that you did before making a lot of money. And that may mean you cheap out on a few things. You may not have an accountant. Instead of having a lawyer, you ask chat GPT to line up a contract for you. But as more and more money is involved, spending more in these areas to protect you and to protect your wealth will save you a lot more than it will cost you. The more money you have, the more money that you have to lose. And so hiring a good accountant and a good lawyer are two of the most important things you can do when you've built wealth. If you enjoyed this video, you might also enjoy this video right here on why so many high income earners are still feeling broke. Thank you for watching and I hope to see you there.

まとまったお金があると、大金を手にする前と同じような考え方をしがちだ。そしてそれは、いくつかのことをケチることを意味するかもしれない。会計士を雇わない。弁護士を雇う代わりに、チャットGPTに契約書の作成を依頼する。しかし、より多くのお金が関わっている以上、あなたを守り、あなたの富を守るために、これらの分野でより多くを費やすことは、あなたにかかる費用よりもはるかに多くを節約することになる。お金が多ければ多いほど、失うお金も多くなる。だから、良い会計士と良い弁護士を雇うことは、富を築いたときにできる最も重要な