億萬富翁馬克·古巴（Mark Cuban）的前5名預算和財富創造策略

億萬富翁投資者馬克·古巴（Mark Cuban）是一個自製的大亨，在互聯網泡沫的頂峰時，他的公司賺了數十億美元將其公司出售給Yahoo。

Billionaire investor Mark Cuban has a knack for spotting good investment opportunities. He made billions of dollars selling his company to Yahoo at the height of the dot-com bubble and has since invested in scores of successful businesses on Shark Tank. Now, Cuban is sharing his top budgeting and wealth creation strategies through low-risk investment instruments.

億萬富翁投資者馬克·古巴（Mark Cuban）有一個訣竅，可以發現良好的投資機會。在互聯網泡沫的高峰期，他賺了數十億美元，將自己的公司出售到雅虎，此後投資了鯊魚坦克的許多成功企業。現在，古巴正在通過低風險的投資工具分享他的最高預算和財富創造策略。

Here are Cuban's five best money tips to help you get started on your wealth creation journey.

以下是古巴的五個最佳金錢技巧，可幫助您開始創造財富的旅程。

1. Reduce Your Debt Levels

1。降低您的債務水平

Cuban's first advice on wealth creation is to limit the money you are losing to high-interest debt. According to Investopedia, the median average credit card interest rate for January was 24.37%.

古巴關於創造財富的第一個建議是將您損失的資金限制為高利息債務。根據Investopedia的數據，一月份的平均信用卡中位數為24.37％。

"If you have any credit card or other type of consumer debt on which you pay [5%] or more interest, pay it off," Cuban stated on his blog.

古巴在他的博客上說：“如果您有任何信用卡或其他類型的消費者債務，您可以支付[5％]或更多的利息，請還清。”

The credit card debt levels in the U.S. have been rising rapidly, and the total credit card balances increased by £19.33 billion to £948.62 billion in Q3 2024. This means that high interest rates could be compounding debt levels faster, making it difficult for people to lower balances as many are stuck in the loop of monthly minimum payments.

美國信用卡債務水平一直在迅速上升，總信用卡餘額在第三季度2024年增長了193.3億英鎊，達到9486.2億英鎊。這意味著高利率可能會更快地加劇債務水平，使人們難以使人們難以更高降低餘額，因為許多人都陷入了每月最低付款的循環中。

Debt also limits life choices and leaves little breathing space to save money after monthly bills and regular spending. While cardholders can opt for debt repayment strategies like the Snowball or the Avalanche method, they can immensely benefit from a low-cost balance-transfer credit card with a 0% APR.

債務還限制了生活的選擇，幾乎沒有呼吸空間以節省月票和定期支出後省錢。儘管持卡人可以選擇滾雪球或雪崩方法等債務還款策略，但他們可以從0％的APR中獲得低成本平衡轉移信用卡。

The approach involves consolidating multiple high-interest debt by transferring all balances to a 0% APR credit card to make a single monthly payment, save on interest payments, and repay debt faster.

該方法涉及通過將所有餘額轉移到0％的APR信用卡以進行每月付款，節省利息支付並更快地償還債務，從而鞏固了多個高利息債務。

2. Prioritise Smart Shopping

2。優先考慮智能購物

As you lower your debt levels and the amount of money you lose to interest payments, Cuban also shared on his blog that smart shopping is another effective way to boost monthly savings that can go towards investments for wealth creation.

隨著您降低債務水平以及損失的利息支付金額，古巴還在他的博客上分享了智能購物是增加每月儲蓄的另一種有效方法，可以用於創造財富的投資。

"You will get a better return on your money by being a smart shopper and taking advantage of cash, quantity or other types of discounts than you will in the stock market," Cuban said on his blog.

古巴在他的博客上說：“與股票市場相比，您將成為一名聰明的購物者並利用現金，數量或其他類型的折扣來獲得更好的回報。”

Besides discounts, smart shopping decisions also mean purchasing essentials and avoiding impulsive buys. According to Statista, U.S. consumers spent an average of almost £121 monthly on impulse purchases in 2023.

除折扣外，智能購物決策還意味著購買必需品並避免衝動購買。根據Statista的數據，美國消費者在2023年平均每月花費近121英鎊的每月121英鎊。

"The cheaper you can live, the greater your options. Remember that," Cuban noted.

古巴指出：“您可以居住的便宜越多。請記住，請記住這一點。”

3. Invest in Low-Cost Index Funds

3。投資低成本指數基金

Once your monthly cash flow improves, Cuban says it's time to invest the surplus in low-cost index funds.

一旦您的每月現金流量改善，古巴說是時候該將盈餘投入低成本指數基金了。

"Saving money and putting some into a low-cost mutual fund — like an SPX fund — and living as inexpensively as you possibly can, will pay off dividends," said Cuban in an interview with Money. "If you can find a way to invest inexpensively in the market, you can start to build your net worth."

古巴在接受《錢》採訪時說：“節省資金並將一些人投入低成本的共同基金（例如SPX基金），並儘可能廉價地生活，將償還股息。” “如果您可以找到一種在市場上廉價投資的方法，那麼您可以開始建立自己的淨資產。”

Some of the top low-cost index funds are based on the S&P 500 index, and they generally offer lucrative returns for investors in the long term.

一些頂級低成本指數基金基於標準普爾500指數，從長遠來看，它們通常為投資者提供有利可圖的回報。

Think of an index fund as a mutual fund tracking the holdings of a benchmark index with a low expense ratio, which means you pay minimal money towards fees while reducing your exposure to market volatility.

將指數基金視為一個共同基金，該基金跟踪以低費用比率的基準指數的持有，這意味著您在減少市場波動的同時，支付最少的錢向費用。

4. Avoid Investments You Don't Understand

4。避免您不了解的投資

Cuban's advice to avoid investments that are difficult to grasp echoes Warren Buffett's investing approach. The Berkshire Hathaway chairman has always avoided investing in assets he couldn't understand, such as Bitcoin.

古巴的建議是避免難以掌握沃倫·巴菲特（Warren Buffett）投資方法的投資。伯克希爾·海瑟薇（Berkshire Hathaway）董事長一直避免投資他不了解的資產，例如比特幣。

"If you don't fully understand the risks of an investment you are contemplating, it's ok to do nothing," said Cuban on his blog.

古巴在他的博客上說：“如果您不完全了解您正在考慮的投資的風險，那麼什麼都不做是可以的。”

All forms of investments carry some risk, so investors must understand the potential upsides and downsides and sometimes skip the option altogether, even if the rest of the world seems to be betting on it.

所有形式的投資都帶有一些風險，因此投資者必須了解潛在的局勢和弊端，有時甚至完全跳過選項，即使世界其他地區似乎都在賭注。

"If you're a true adventurer and you really want to throw the Hail Mary, you might take 10% and put it in Bitcoin or Ethereum; but, if you do that, you've got to pretend you've already lost your money," Cuban had said in an interview with Vanity Fair.

“如果您是一個真正的冒險家，並且您真的想扔冰雹瑪麗，那麼您可能會服用10％並將其放入比特幣或以太坊中；但是，如果這樣做，您必須假裝自己已經丟失了錢，“古巴在接受《名利場》採訪時說。

5. Maintain A Solid Emergency Fund

5。維持堅實的應急基金

Cuban also told Vanity Fair that individuals should "save up six months' income because if "you get fired, or you have to move, you're gonna need at least six months' income."

古巴還告訴《名利場》，個人應該“節省六個月的收入，因為如果“您被解僱，或者必須搬家，您將至少需要六個月的收入”。

He explained that the biggest advantage of having cash is that you won't be compelled to sell your investments in stock funds and other investment instruments at a lower cost during emergencies. In turn, you give your investments enough time to compound over time, which is important if you have just started your wealth creation journey.

他解釋說，擁有現金的最大優勢是，您不會在緊急情況下以較低的成本出售您對股票資金和其他投資工具的投資。反過來，隨著時間的流逝，您給投資足夠的時間來複合，如果您剛剛開始創造財富之旅，這很重要。

Overall, Cuban's simple and effective personal finance strategies can be adopted by everyone, from individuals in their career formation years to seasoned investors

總體而言，古巴的簡單有效的個人理財策略可以被每個人都採用，從職業成年的個人到經驗豐富的投資者