# 2019-12-29 100万存款能撑多久？

100万存款能撑多久？

• Grant Cardone

Millionaires are basically middle-class people that are worried about money.

Million dollars，if you didn't have any more income and you were.How old are you ?
27岁，你没有任何收入。一百万。
27 years old and you didn't have any income.A million dollars.

How long would that money lasts ? If 4000 a month,you got 25 years.

You got to live on 4000 a month for 25 years. You will be 52 years old my friend.

and dead broke.Everybody's like "oh my god,the iconic millionaire,You're wealthy."

You're not wealthy,dude.You're worried,it's what you are, okay?

Because you don't have new income.This equation right here doesn't assume any inflation,

assumes everything stays the same,in it's rent never goes up,it's car payments don't go up,
nothing goes up.

It's impossible.It's an impossible cycle.The problem is nobody talks about this,

because nobody wants to go on TV and say "Hey,millionaires are basically middle-class people
that are worried about money".

What if it took 10 million? By the way I think that's the number, CNBC
says it's 5 million.

I think the number's really 10 million,ok.10 million,with no new income.

You could probably live the life you wanted to.

So,number one thing you got to do is this,you've got to change the target and you
need to look at the target daily.

The target you have the wrong target right now,if you're struggling,you
have the wrong target.

when you change the target,everything changes.

Number two,you need to get your income to a place.This is a fascinating concept right here.

Okay if you can do this,I guarantee you'll be rich.You need to get your income

not to what pays your bills but to where you can save 40% of your gross income
is saved okay.

You want to talk about something difficult,this is way more difficult than that.

If you can do this,you will get that.

If you make 10000 a month and you want to save 4000 if it,you would pay yourself
first,okay.

We know the IRS is gonna take,they're gonna withhold 4000 of it.

So look,if you'll pay the freakin IRS 4 grand of 10.You need to figure out.
how to pay yourself 4 grand.

What's the problem here? You got to live on 2000,so just keep
doing the math now.

This is the math you need to do with your spouse.You need to keep working it out
until you're like,

he's like,"lets go buy a new car","yeah,we ain't got any money fo a new car"

That's why when I was 35 years old,no one knew that I was millionaire.

Nothing had changed.I was still running with shit shoes,you know.

buying 40 shoes and working a shirt out as long as I could and like
nobody saw I didn't have fancy cars.

I'm driving a Camry but a million bucks in the bank.
2万收入会怎么样呢？你存8千，储存起来。
At 20 grand what happens? You're saving 8000,storage。

You're paying 8000 and now you can live on 4000.

See now this is the right way to do a budget.

You make 30000,12000 is going to storage,\$12000 is going to IRS and at least
you were six.

So now you can start seeing, you got to be somewhere north to 300 grand a year,
this is what they don't teach you at Harvard.

Number three thing you're gonna do,you're gonna go broke right here and invest
the storage.

Storage has to get invested.The Golden Goose is only good if she lays eggs,

otherwise you can kill her,eat her for a chicken.

money needs to make babies right.So your goal right here is to invest,to
invest the storage money and contine to do that until this money over here
the passive money is equal to your income.

When you make this move right here,do not invest in anything that is a maybe.

Warren Buffett says don't lose money number one.Number two don't lose money.

This is the most difficult part of this in the beginning because you're
starving here until you confront the real problem.

The real problem is income.Don't own anything dude,just stack cash

and wait till you can put it in something where it won't be lost.

It just goes away for a while and inflation over time,five years,seven years,
ten years.

One day you look up and you're like I didn't lose my golden egg that
thing is protected.

I got a little drip every month from it and you keep adding to that,

so the drip gets bigger and bigger and bigger and bigger,you know.

When you get off the treadmill?

Whenever you want it.

1.Chage your target

2.Save 40% of income

3.Live broke and invest savings

4.Passive income = inZcome

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