STOP Chasing Money -- Chase WEALTH. | How To get RICH | Garry Tan's Office Hours Ep. 4 - YouTube

You know that moment in Aladdin when he first meets the genie? Genie meets Aladdin, and he's surprised. Aladdin is not the usual kind of guy who gets a hold of this lamp. You know, this clip. He pretty much knows what he wants and he generally has to do with. UNS OF MURDER! POWAH! HAHAHAHA! Give me a favor. Do not drink from that cup. I promise you there is not enough money and power on Earth for you to be satisfied. Good? So, what's your first wish? I know a lot of you say you want to be rich, but what you really want is wealth. Wealth isn't this or this or even this. There's a lot more to it. Here's why you need to get wealthy instead of rich. And here's how to actually do it. And if you want to learn more about topics like this and how to build your next big thing, be sure to click subscribe and the bell icon. It's what we do here every single week.

你知道《阿拉丁》里那一刻吗，当他第一次遇见精灵的时候？精灵遇见了阿拉丁，他很惊讶。阿拉丁不是通常拿到这个神灯的那种人。你知道的，这个片段。他基本上知道自己想要什么，通常能做到。杀戮的激情！力量！哈哈哈哈！做我一个忠告。不要喝那个杯子里的东西。我向你保证，地球上没有足够的金钱和权力可以让你满足。好吗？那么，你的第一个愿望是什么？我知道很多人说他们想变得富有，但其实你们真正想要的是财富。财富不是这个，也不是那个，甚至不是那个。它还有很多含义。这就是为什么你需要变得富有而不只是富有。这就是如何实际去做。如果你想了解更多这样的话题以及如何建造自己的下一个大事业，记得点击订阅和铃铛图标。这是我们每周在这里做的事情。

Now let's talk about how to actually get rich. First, what is wealth? Let's get this straight. Everyone talks about wanting money, but that's not all there is to it. Paul Graham says, if you're in the middle of Antarctica where there's nothing to buy, it wouldn't matter how much money you had. Wealth is what you want, not money. But if wealth is the important thing, why does everyone talk about making money? It's kind of a shorthand. Money is a way of moving wealth. And in practice, they are usually interchangeable, but they are not the same thing. And unless you plan on getting rich by counterfeiting, talking about making money can make it harder to understand how to make money. Here's the philosopher Alan Watts in the early 1970s. He was talking with some politicians who were absolutely convinced money is real. Finally, I said, the trouble with you gentlemen is you still think money is real. And they looked at me and said, oh, someone who doesn't think money is real, but everybody knows. Money is money and it's very important. But it just isn't real at all because it has the same relationship to real wealth, that is to say to actual goods and services that words have to meaning, that words have to the physical world. And as words are not the physical world, money is not wealth. It only is an accounting of available energy, economic energy. So again, money is not wealth. It's just really a big integer in a row-locked sequel database, someplace owned by a bank, sitting in a server farm somewhere in the world. As Paul Graham says, don't get hung up by the money. It only represents wealth. If you're focused on the money, you're going to get stuck as a cog in the machine. You'll end up focused on that next promotion or the trappings of upward mobility. What is far more valuable is to create and own that engine, not just be a small piece in it.

现在让我们谈谈如何实际变得富有。首先，什么是财富？让我们搞清楚。大家都谈论想要钱，但这不是全部。Paul Graham说，如果你在南极洲的冰原中，那里没有东西可以买，那么你拥有多少钱都没关系。财富才是你真正想要的，而不是金钱。但如果财富才是重要的事情，为什么大家都在谈论赚钱呢？这有点像简化了概念。金钱是移动财富的一种方式。实际上，它们通常是可以互换的，但它们并不是相同的东西。除非你打算通过伪造货币来变得富有，否则谈论赚钱可能会让你更难理解如何赚钱。70年代初，哲学家Alan Watts与一些政客交谈时说过，他们坚信金钱是真实的。最后，我说，你们这些先生的问题在于你们仍然认为金钱是真实的。他们看着我说，哦，有人认为金钱不真实，但众所周知。金钱就是金钱，而且非常重要。但实际上它根本不是真实的，因为它与真正的财富——也就是实际的商品和服务之间的关系，就像词与意义的关系，词与物理世界的关系一样。正如词语不是物理世界，金钱也不是财富。它只是可用能量，经济能量的一种记账方式。所以再次强调，金钱不等于财富。它只是数据库中的一个大整数，在世界某处的一家银行拥有，在全球某个服务器农场中。正如Paul Graham所说，不要被金钱所困扰。它只代表着财富。如果你专注于金钱，你将陷入机器中的一个齿轮，最终关注的将是下一个晋升或是上升追求的附属品。更有价值的是创造和拥有那个引擎，而不仅仅是其中的一个小部分。

Now that the money myth is dispelled, let's get into how to create wealth. The answer is skills, and people get hung up here and try hard to look like they have skills instead of actually having it. PG goes on to say, the people most likely to grasp that wealth can be created are the ones who are good at making things, the craftspeople who can create it. Being an engineer, designer, or product person is the easiest way to be a craftsper person in modern society. These are the next generation construction workers of our era and just frankly the future. These are the roles that are the closest to the actual creation of the product.

现在，金钱迷思已经被打破，让我们深入了解如何创造财富。答案就是技能，人们往往在这里被困扰，并努力让自己看起来像拥有技能，而实际上并没有。PG继续说，最有可能理解财富可以创造的人是那些擅长创造东西的人，能够创造财富的工匠。作为一名工程师、设计师或产品人员是当代社会成为工匠的最简单方式。这些人是我们这个时代的下一代建筑工人，可以毫不客气地说，他们是未来。这些角色与产品的实际创造最为接近。

When I first started working, I was really excited to get a job. I remember when I was growing up, our family didn't have a lot of money and at times I know my parents were really worried about putting food on the table and barely making rent. Sometimes dinner was just a slice of bread dipped in milk. That was it. So at 14, I actually started cold calling because I wanted to help my parents and our family. I cold called the yellow pages in the internet section. This is me in 1995. I got my first job at the age of 14. It set me on the path that I'm on now. Design coding and product management, marketing branding, I learned to build my craft.

当我刚开始工作时，我真的对能找到一份工作感到非常兴奋。我记得当我长大时，我们家没有很多钱，有时候我知道我的父母真的很担心温饱和勉强付得起房租。有时晚餐只是一片蘸着牛奶的面包。就是这样。所以在14岁的时候，我开始了电话推销，因为我想帮助我的父母和我们的家庭。我打电话询问黄页中的互联网部分。这是1995年的我。我在14岁时获得了我的第一份工作。这为我现在的职业道路奠定了基础。设计编码和产品管理，营销品牌，我学会了磨练我的技艺。

That's a really big thing that you and I have to talk about. Not all skills are valued at the same price. Dennis Rodman started his first job as a janitor at an airport at the age of 18. Now janitors are really important and needed but there are a lot of people who can do that job. So while there's plenty of demand, there's also a lot of supply because it doesn't require specialized skills to do it. Rodman was lucky. He had a huge growth spurt and gave basketball a chance in college. In return, basketball gave him a chance. He ended up being drafted 27th overall in the NBA draft by the Detroit Pistons and he ended up becoming a Hall of Fame basketball player. How? Rodman developed a skill nobody else had, rebounding at an extreme level.

这是一个我们需要讨论的很重要的事情。并非所有的技能都被同等重视。丹尼斯·罗德曼18岁时开始在机场做清洁工。现在清洁工确实是非常重要和需要的工作，但有很多人都能胜任这份工作。因此，尽管需求很大，但供应也很充足，因为这并不需要专门的技能。罗德曼很幸运，他经历了一次巨大的成长，并在大学里尝试了篮球。作为回报，篮球给了他一个机会。他最终在NBA选秀中被底特律活塞队第27顺位选中，最终成为了名人堂篮球运动员。为什么？因为罗德曼发展出了其他人没有的技能，以极高的水平抢篮板。

I said shoot the ball. I said shoot over here, shoot over here, shoot over there, shoot over there. I just sit there and react. I just practice a lot about the angle of the ball and protect the other. You got to Larry Burry, he's going to spin. You got the magic and maybe spin. When Michael Schu over here, I position myself right there. Now I hit the rim. Go on. Click and go back this way. Go on here, here. Click and go that way. Boom. That way. Click here and go like this way. So basically I just started learning how to put myself in a position to get the ball. He did something nobody else did or even knew that they should do. And that won his team's five NBA championships, five rings. He made himself extremely valuable.

我说射球。我说在这里射，射在这里，射在那里，射在那里。我只是坐在那里反应。我只是练习了很多关于球的角度和保护队友的技巧。你得到了拉里·伯里，他会旋转。你有魔术和可能旋转。当迈克尔·舒在这里时，我就把自己放在那里。现在我击中了篮筐。继续。点击并返回那边。继续这里，这里。点击并向那边走。轰隆一声。那边。点击这里并像这样走。所以我基本上只是开始学习如何把自己放在一个位置来得到球。他做了其他人没有做过的事情，甚至他们不知道他们应该做的事情。这赢得了他球队的五个NBA冠军，五枚戒指。他使自己变得极其有价值。

Remember, not all skills are valued at the same price. If you can do things nobody else can do, you'll have skills that are literally priceless. And to be frank, this is one of the more brutal facts of capitalism. Aaron Katesh Rao says that you can either live above the API or below the API. API stands for application protocol interface. It's how programs talk to each other. And now it's programs that are governing all aspects of how humans transact business and operate with one another. As a driver for Uber, you end up having to follow the directions of the app, which means you have to work below the API. It's useful to society, but because there are a lot of other people who can drive too, you aren't using special skills.

记住，并非所有技能的价值都相同。如果你能做到其他人做不到的事情，你将拥有无价的技能。坦率地说，这是资本主义中更残酷的事实之一。Aaron Katesh Rao说你可以选择生活在API的上方还是下方。API代表应用程序接口。这是程序之间交流的方式。现在是程序主导着人类在商业交易和相互操作的所有方面。作为Uber司机，你最终必须遵循应用程序的指示，这意味着你必须在API的下方工作。这对社会很有用，但由于还有很多其他人也能开车，你并没有使用特殊的技能。

If you create Uber and own it, you're above the API and you get to build and maintain the systems that give people what they want. So what is most useful is actually acquiring skills that nobody else has, especially in combinations that are rare. If you can rebound the ball and nobody else does it quite the way you can, you can be a hall of fame basketball player. And that applies to all the things in your career and in life. I get approached by a lot of people who want to raise money for their startup, but you have to know investors are looking for founders who actually have the skills necessary to build that dream.

如果你创造了优步并拥有它，那么你就在API的上方，你可以构建和维护系统，满足人们的需求。因此，最有用的是实际上获得没有其他人拥有的技能，尤其是罕见的技能组合。如果你能够篮板球，而没有其他人能像你那样做得好，你就可以成为名人堂级别的篮球运动员。这同样适用于你的职业生涯和生活中的所有事情。我经常遇到许多人想为他们的初创企业筹集资金，但你必须知道投资者正在寻找那些实际上拥有构建梦想所需技能的创始人。

Why? It's really straightforward. If I give money to a founder who doesn't have the skills, they're going to lose against the people who have the real skills. So that's why it's so important for people to work on those skills before they raise money, before they start on their startup. And this is also why good investors look at the skills of the founders and the teams they fund, not just the credentials. I hate to say it, but there are definitely people who graduated from Stanford who are not good engineers, sorry to say. And investors get tricked like that all the time. They lose money when they only look at the credentials and the resume, when they can't tell if someone is actually good.

为什么呢？其实很简单。如果我把钱给一个没有技能的创始人，他们会输给真正有技能的人。这就是为什么人们在筹集资金之前，开始创业之前，非常重要的是培养这些技能。这也是为什么好的投资者会看创始人和团队的技能，而不仅仅是看资历。我很不喜欢说，但肯定有一些从斯坦福毕业的人并不是优秀的工程师，很抱歉说出这个事实。投资者经常因为只看资历和简历，无法判断某人是否真的优秀而吃亏。

All of these things point to the same place. The best way to look like a good startup is to actually be a good startup. It's actually better to be able to build and have the skills of the craft person and a manager than to look like one. The next big principle is that you have to transcend your constraints as a limited human being. Most importantly, this means getting leverage on your time. Apple Computer started almost by accident. Here's Steve Jobs talking about how Apple started. There was no personal computer in 1975. It's very hard to believe. Well, that's why we made one. We made one because we wanted one and there wasn't one, so we had to make one. Did you know that when you made the personal computer though that this will become a major industry? I mean, did you know like this? No, no. It took about a year before we started the sense that I had a partner named Steve Wozniak who's a brilliant guy. He did most of the engineering on the original Apple I and the Apple II. And after about a year, we just made it for ourselves and we showed it to our friends and they all wanted one. And so we were busy making these computers by hand for our friends and it was taking all of our life and all of our spare time. And so we decided we better manufacture a hundred of these so that we can not have to spend the rest of our lives making them for our friends. And that's how we got into this. We didn't think about starting a company. We were just doing it for ourselves and then our friends and then the circle got bigger and bigger and bigger.

所有这些事情都指向同一个地方。要看起来像一个好的初创公司的最佳方法就是实际上成为一个好的初创公司。实际上，能够建造和具备工匠和经理技能比看起来像一个更重要。下一个重要原则就是要超越作为有限人类的限制。最重要的是，这意味着要对时间进行杠杆。苹果电脑几乎是偶然开始的。这里是史蒂夫·乔布斯谈论苹果的起源。1975年没有个人电脑。这真的很难相信。嗯，这就是我们制造了一台。我们制造了一台是因为我们想要一台，但没有，所以我们不得不制造一台。你知道吗，当你制造个人电脑时，这会成为一个重要的行业吗？我的意思是，你知道吗，就像这样吗？不，没有。大约一年之后，我们开始意识到我有一个名叫史蒂夫·沃兹尼亚克的合作伙伴，他是一个聪明的家伙。他做了大部分原始Apple I和Apple II的工程。大约一年后，我们只是为自己制造了这些电脑，然后向我们的朋友展示，他们都想要一台。所以我们一直忙于手工制造这些电脑给我们的朋友，这占据了我们全部的生活和业余时间。因此，我们决定制造一百台这样的电脑，这样我们就不必再花上余生为朋友制造它们了。这就是我们如何进入这个行业的。我们没有考虑要创办一家公司。我们只是为了自己，然后是我们的朋友，接着朋友圈子不断扩大。

Now there's 25 million people. They were making computers for their friends and then it took more and more time to create them. So they looked to create a company to save time, which brings me to this point. Naval Ravakant says wealth is about positive sum games. And that's about getting out of the sort of finite games like selling your time. When I got my first job cold calling the yellow pages, I was happy getting paid $7 per hour, then $10, then $20 an hour to write code. But what I wish I knew earlier was that I have a really finite number of hours in the day and in my life, you can get to 60 or 70 hours per week of work. But beyond that, you run out. And if you make a product that can make money for you while you sleep, that's leverage. I remember in my Microsoft days, I got into a cycle where my employer Microsoft was buying my time and working there was tiring. It didn't feel fulfilling the way I wanted it to. But I got this money and I'd turn around and I'd consume. I'd go buy a new shirt at Banana Republic or a nice martini at the martini bar down the street from my nice apartment downtown. I paid a lot of money to make myself feel better. I was stuck in a consumptive mode. Someone was buying my time and I was using the money that I got from that to buy things I didn't need that in some way made me feel like something was happening.

现在有2,500万人。他们为朋友们制造电脑，然后花费越来越多的时间来制造电脑。所以他们试图创办一家公司来节省时间，这就是我要说的。纳瓦尔·拉瓦坎特说财富是关于积极和零和博弈。这是关于摆脱像出售自己的时间这样的有限博弈。当我第一份工作是冷销电话黄页时，我很高兴每小时拿到7美元，然后是10美元，再后来是每小时20美元写代码。但我希望我早点知道的是，我每天和一生只有有限的小时数，你可以每周工作60或70个小时。但超过那个就不行了。如果你制造的产品在你睡觉时也能创造收入，那就是杠杆。我记得在微软工作时，我陷入了一种循环，我的雇主微软在买我的时间，那里工作很累。这并不会像我希望的那样令人满足。但我拿到钱后，会转身去消费。我会在Banana Republic买一件新衬衫，或者去我在市中心漂亮公寓附近的马提尼酒吧喝一杯好马提尼。我花很多钱来让自己感觉好一些。我困在了一个消费模式中。有人在购买我的时间，我用来购买一些我不需要的东西，而这在某种程度上让我感到有所发生。

But in reality, I wasn't feeding my soul. I wasn't creating. So that's what I have to tell you. You can be a creator instead of a consumer. Most people are looking to mainly just make themselves happy by fulfilling various perceived wants that they think they have. But to be truly fulfilled, I now realize you have to generate and create the path to wealth is through making others happy, make products, find leverage and solve their problems. I want you to visualize this as a concept, a wealth machine. You put money in and you turn the crank. That machine spits out more money than what you started with. And a machine like that is incredibly valuable because you can take the money that comes out and feed it back in. You can reinvest that money to create wealth. That's a wealth engine. A wealth machine is different because it provides both money and wealth. Now this is in contrast to a get rich quick scheme, which provides you money but no way to get more. There's no wealth. These are one time things. Lambos can be bought with money but they can't actually be converted into even more money. It's money without wealth. If you have a business transaction that's a one time thing that you can't repeat, that's money without wealth. There's also live action role play, people who play startup. And that's when you can't make any money and you can't have any wealth. These are a waste of time. Usually what happens is you hire a bunch of people, you spend a bunch of money and it's all a waste. Investments are supposed to pay back. Wasting money by definition doesn't pay you anything back.

但实际上，我并没有滋养我的灵魂。我没有创造。所以这就是我要告诉你的。你可以成为一个创造者，而不是一个消费者。大多数人主要是通过满足他们认为自己有的各种需求来让自己快乐。但我现在意识到，要真正满足，你必须要创造并开辟通往财富之路。通过让他人快乐，制造产品，找到杠杆并解决他们的问题，这就是致富的方法。我希望你能将这个理念想象成一个财富机器。你放进去一笔钱，然后转个曲柄。这台机器会吐出比你开始的时候更多的钱。这样的机器非常有价值，因为你可以拿出来的钱再投回去。你可以重新投资这笔钱来创造财富。这就是一个财富引擎。财富机器与此不同，因为它既提供金钱又带来财富。现在，这与快速致富的计划形成对比，后者提供了金钱，但没有继续获取的途径。没有财富。这些只是一次性的事情。兰博基尼可以用金钱购买，但实际上无法将其转换为更多的金钱。这是金钱而非财富。如果你进行的商业交易是一次性的，无法重复，那就是金钱而非财富。还有一种是实况角色扮演，即那些充当企业家的人。在这种情况下，你既无法赚钱，也无法获得任何财富。这是在浪费时间。通常情况下，你会雇用一群人，花掉一大笔钱，结果全是浪费。投资应该是有回报的。浪费金钱在定义上就无法给你带来任何回报。

And a special form of this is when startups decide to sell $20 bills for $10 or even give them away for free. You gotta be careful of those. A truly great startup has both money and wealth. Money goes in, it can be reinvested and you get back not just more money but also more of the thing that makes the money. That's wealth. You can couple this capital virtuous cycle with two others. Talent and customers. The more talented your team is, the more likely more talented people will come to work with you. And when customers and users love you, they tell everyone else who could possibly use you that they should. And that's another virtuous cycle, more customers. And then all of that together allows you to raise more money to put that back into the machine. That's what product market fit is. And that's the key to this whole startup thing. Three virtuous cycles working all together. Talent, customers and capital.

还有一种特殊形式，就是当创业公司决定以10美元的价格出售20美元的钞票，甚至免费赠送它们。你必须小心这些。一个真正伟大的创业公司既有钱又有财富。资金进来后，可以重新投资，你不仅可以获得更多的钱，还能获得更多创造财富的东西。这就是财富。你可以将这种资本良性循环与其他两种结合起来。人才和客户。团队越有才华，越有可能有更有才华的人来和你一起工作。而当客户和用户喜爱你时，他们告诉所有可能使用你的人应该尝试你。这又是另一个良性循环，更多客户。所有这些加在一起让你能够筹集更多资金投入到这个机器中。这就是产品市场契合。这就是整个创业的关键。三个良性循环一起运作。人才，客户和资本。

Don't focus on the money. Focus on the wealth. The thing that people want. The problem and the solution. And sometimes people come to me and say, I want to start a company and I say, why? They say, oh, I want to make lots of money. I say, forget it. That's not a good enough reason. There's people that have started companies because they want to make lots of money. I haven't seen very many of those succeed. The ones that succeed are people that come. Sometimes they don't even want to start a company. They just have an idea that they want to get out expressed out into the world. And oftentimes they have to start a company because nobody else will listen to them. So that's it.

不要把注意力放在金钱上，而要关注财富。这是人们想要的东西。问题和解决方案。有时人们会来找我，说我想要创办一家公司，我会问为什么？他们说，哦，我想赚很多钱。我会说，忘了吧。那不是一个足够好的理由。有些人创办公司是为了赚很多钱，我没看到很多这样的人成功了。成功的人是有目标的人。有时他们甚至不想创办公司，只是有一个想法想要表达出来。而往往他们不得不创办公司，因为没有其他人愿意听他们说话。这就是这样。

Thanks for watching all the way to the end as usual. I'm so glad you found me and I want you to know if you're learning about this, you're doing the best favor for yourself and the world. The world needs more people who are solving problems. And I think you can do it. For more resources, please click subscribe and hit the bell icon. Every week I try to put together a video to teach you how to build a business. And yes, maybe even a fast growing startup that touches a billion people. I'll see you next week.

谢谢你一直看到最后。我很高兴你找到了我，我想告诉你，如果你正在学习这个，你是在为自己和世界做出最好的贡献。世界需要更多解决问题的人。而我相信你能做到。想了解更多资源，请订阅并点击铃铛图标。每周我都会努力制作视频教你如何建立一个业务。甚至可能是一个快速增长、触及十亿人的初创企业。下周见！