卡洛斯尤洛 (Carlos Yulo) 應該如何處理他的 1 億比索獎金

卡洛斯·尤洛在最近結束的巴黎奧運會上取得了兩枚金牌，創造了驚人的壯舉。因此，他將從政府和私營部門獲得超過1億比索的現金和實物獎勵和獎勵。

Carlos Yulo made history by winning two gold medals in the recently concluded Paris Olympics. As a result, he will receive incentives and rewards from the government and the private sector totaling over P100 million in cash and kind.

卡洛斯·尤洛在最近結束的巴黎奧運會上贏得兩枚金牌，創造了歷史。因此，他將獲得政府和私營部門總計超過 1 億比索的現金和實物獎勵和獎勵。

While this is certainly good news, his next challenge will be to manage these rewards effectively to ensure his financial security for the rest of his life. After all, many people who become wealthy quickly also lose everything just as quickly due to poor money management.

雖然這當然是個好消息，但他的下一個挑戰將是有效管理這些獎勵，以確保他餘生的財務安全。畢竟，許多快速致富的人也會因為資金管理不善而很快失去一切。

Here's a hypothetical plan for how I would allocate my rewards if I were Carlos Yulo:

以下是一個假設計劃，如果我是卡洛斯·尤洛，我將如何分配我的獎勵：

I would start by giving 10 percent of my cash winnings to my family. Regardless of the state of my relationship with them, I would still want to express my gratitude for their past contributions to my success.

首先，我會將獎金的 10% 捐給我的家人。無論我與他們的關係如何，我仍然想對他們過去為我的成功做出的貢獻表示感謝。

Next, I would allocate 20 percent for donations to churches, charities, and causes that I care about, including those who helped me succeed and other promising athletes who could use a helping hand.

接下來，我將撥出 20% 的捐款給教會、慈善機構和我關心的事業，包括那些幫助我成功的人和其他可以伸出援手的有前途的運動員。

I am setting a fixed allocation for this because I will likely be approached by many people for help given the publicity surrounding my rewards. While I believe in helping others, I must also prioritize my own well-being. Overhelping can be a problem, as I could end up losing everything, and when that happens, there's no guarantee that someone will help me.

我為此設定了固定分配，因為鑑於我的獎勵的宣傳，可能會有很多人向我尋求幫助。雖然我相信幫助他人，但我也必須優先考慮自己的福祉。過度幫助可能會成為一個問題，因為我最終可能會失去一切，而當這種情況發生時，並不能保證有人會幫助我。

Besides, not everyone who asks for help deserves it, especially if they are capable of working but choose to be lazy or feel entitled to a good life without contributing anything. Helping these kinds of people only empowers them to stay lazy and entitled.

此外，並不是每個尋求幫助的人都應該得到幫助，特別是如果他們有能力工作但選擇偷懶或覺得自己有權過上美好的生活而不做出任何貢獻。幫助這類人只會讓他們變得懶惰和有權利。

I would now focus on myself. The first thing I would do is set aside emergency funds and place them in a time deposit. The amount should be large enough to cover six months' worth of expenses, ensuring that I can maintain my lifestyle even in the event of a serious injury.

我現在會專注於自己。我要做的第一件事就是留出應急資金並將其存入定期存款。這筆金額應該足以支付六個月的費用，確保即使在嚴重受傷的情況下我也能維持我的生活方式。

I would also buy medical insurance. Getting sick can be very expensive, and I don't want to worry about where to get the money to cover my hospital bills.

我也想買醫療保險。生病的費用可能非常昂貴，我不想擔心從哪裡弄錢來支付我的醫院費用。

For the rest of my funds, I would make some investments after budgeting only a few million to reward myself for my accomplishments. Although I won two gold medals, I don't know if I can still win more gold medals in the future.

對於剩下的資金，我會在只預算幾百萬後進行一些投資，以獎勵自己的成就。雖然我拿了兩面金牌，但我不知道以後是否還能拿到更多的金牌。

Professional athletes also don't earn a lot, and I know that my career won't last for a very long time. Because of that, I need to make sure that whatever I earn while I am still strong will be enough to cover my expenses for the rest of my life.

職業運動員的收入也不高，而且我知道我的職業生涯不會持續很久。因此，我需要確保在我還堅強的時候賺到的錢足以支付我餘生的開支。

I would take advantage of the high interest rates prevailing and allocate half of my funds to buy long-term bonds yielding 5 percent to 6 percent. The interest income on these bonds will act as passive income to cover some of my day-to-day expenses.

我會利用目前的高利率，分配一半資金購買收益率為 5% 至 6% 的長期債券。這些債券的利息收入將作為被動收入來支付我的一些日常開支。

I'd allocate the other half of my funds to buy stocks. This is because I need to have investments that will beat inflation. While a hundred million may seem a lot today, it won't be worth as much in 20 years.

我會分配另一半資金來買股票。這是因為我需要進行能夠跑贏通膨的投資。雖然一億在今天看來很多，但二十年後就不再那麼值錢了。

I also know that stocks are very cheap right now, and many of them provide cash dividends, which is an added bonus since it would give me more passive income. Because I won't need these funds in the short term, I can take advantage of the prevailing opportunity to buy stocks at a very cheap price and be rewarded with significant capital appreciation in the long-term.

我還知道現在股票非常便宜，而且很多都提供現金股息，這是一個額外的好處，因為它會給我更多的被動收入。因為我短期內不需要這些資金，所以我可以利用當前的機會以非常便宜的價格購買股票，並在長期內獲得顯著的資本增值。

As for real estate, I'd just rent out the three properties given to me. The rent would add to my passive income.

至於房產，我就把三間給我的房產租出去。租金會增加我的被動收入。

While it is tempting to live in the 3-bedroom condo unit in McKinley Hill, I will also rent it out. This is because I don’t need that much space since I'm not married and I don't have any children. Besides, the monthly dues and property taxes of that condo are quite significant, and my expenses will balloon if I live there.

雖然住在麥金利山的三房公寓很誘人，但我也會把它出租。這是因為我不需要那麼多空間，因為我沒有結婚，也沒有孩子。此外，公寓每個月的會費和財產稅相當可觀，如果我住在那裡，我的開支將會增加。

McKinley Hill is also located far from the gym where I train. Given how bad traffic is, it's not practical for me to stay there.

麥金利山離我訓練的健身房也很遠。考慮到交通如此糟糕，我留在那裡不太現實。

According to my research, I can get around P100,000 per month from renting out my McKinley Hill condo. This is more than enough to cover the rent for a good-sized apartment located closer to the gym where I train. The money left over after paying for my rent and the cost to maintain my McKinley Hill condo will further boost my passive income, which is even better.

根據我的研究，出租我的麥金利山公寓每月可以獲得約 P100,000 的收入。這足以支付靠近我訓練的健身房的一間寬敞公寓的租金。支付租金和維護麥金利山公寓的費用後剩下的錢將進一步增加我的被動收入，這是更好的。

Finally, I will do my best to maintain a simple lifestyle. Although there will be upgrades such as moving to a nicer place, driving instead of commuting, and eating out more often, I plan to consciously prevent myself from living lavishly. Not having to worry about money will help me mentally stay focused on my training and allow me to stay competitive in my career as a gymnast.

最後，我會盡力保持簡單的生活方式。雖然會有一些升級，例如搬到更好的地方、開車代替通勤、更多外出用餐，但我計劃有意識地避免自己過著奢侈的生活。不必擔心金錢將幫助我在精神上專注於我的訓練，並讓我在體操運動員的職業生涯中保持競爭力。