亿万富翁马克·古巴（Mark Cuban）的前5名预算和财富创造策略

亿万富翁投资者马克·古巴（Mark Cuban）是一个自制的大亨，在互联网泡沫的顶峰时，他的公司赚了数十亿美元将其公司出售给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.

亿万富翁投资者马克·古巴（Mark Cuban）有一个诀窍，可以发现良好的投资机会。在互联网泡沫的高峰期，他赚了数十亿美元，将自己的公司出售到雅虎，此后投资了鲨鱼坦克的许多成功企业。现在，古巴正在通过低风险的投资工具分享他的最高预算和财富创造策略。

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

以下是古巴的五个最佳金钱技巧，可帮助您开始创造财富的旅程。

1. Reduce Your Debt Levels

1。降低您的债务水平

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%.

古巴关于创造财富的第一个建议是将您损失的资金限制为高利息债务。根据Investopedia的数据，一月份的平均信用卡中位数为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.

古巴在他的博客上说：“如果您有任何信用卡或其他类型的消费者债务，您可以支付[5％]或更多的利息，请还清。”

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.

美国信用卡债务水平一直在迅速上升，总信用卡余额在第三季度2024年增长了193.3亿英镑，达到9486.2亿英镑。这意味着高利率可能会更快地加剧债务水平，使人们难以使人们难以更高降低余额，因为许多人都陷入了每月最低付款的循环中。

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.

债务还限制了生活的选择，几乎没有呼吸空间以节省月票和定期支出后省钱。尽管持卡人可以选择滚雪球或雪崩方法等债务还款策略，但他们可以从0％的APR中获得低成本平衡转移信用卡。

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.

该方法涉及通过将所有余额转移到0％的APR信用卡以进行每月付款，节省利息支付并更快地偿还债务，从而巩固了多个高利息债务。

2. Prioritise Smart Shopping

2。优先考虑智能购物

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.

随着您降低债务水平以及损失的利息支付金额，古巴还在他的博客上分享了智能购物是增加每月储蓄的另一种有效方法，可以用于创造财富的投资。

"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.

古巴在他的博客上说：“与股票市场相比，您将成为一名聪明的购物者并利用现金，数量或其他类型的折扣来获得更好的回报。”

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，智能购物决策还意味着购买必需品并避免冲动购买。根据Statista的数据，美国消费者在2023年平均每月花费近121英镑的每月121英镑。

"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。请记住，请记住这一点。”

3. Invest in Low-Cost Index Funds

3。投资低成本指数基金

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

一旦您的每月现金流量改善，古巴说是时候该将盈余投入低成本指数基金了。

"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《钱》采访时说：“节省资金并将一些人投入低成本的共同基金（例如SPX基金），并尽可能廉价地生活，将偿还股息。” “如果您可以找到一种在市场上廉价投资的方法，那么您可以开始建立自己的净资产。”

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.

一些顶级低成本指数基金基于标准普尔500指数，从长远来看，它们通常为投资者提供有利可图的回报。

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.

将指数基金视为一个共同基金，该基金跟踪以低费用比率的基准指数的持有，这意味着您在减少市场波动的同时，支付最少的钱向费用。

4. Avoid Investments You Don't Understand

4。避免您不了解的投资

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.

古巴的建议是避免难以掌握沃伦·巴菲特（Warren Buffett）投资方法的投资。伯克希尔·海瑟薇（Berkshire Hathaway）董事长一直避免投资他不了解的资产，例如比特币。

"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.

古巴在他的博客上说：“如果您不完全了解您正在考虑的投资的风险，那么什么都不做是可以的。”

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.

所有形式的投资都带有一些风险，因此投资者必须了解潜在的局势和弊端，有时甚至完全跳过选项，即使世界其他地区似乎都在赌注。

"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.

“如果您是一个真正的冒险家，并且您真的想扔冰雹玛丽，那么您可能会服用10％并将其放入比特币或以太坊中；但是，如果这样做，您必须假装自己已经丢失了钱，“古巴在接受《名利场》采访时说。

5. Maintain A Solid Emergency Fund

5。维持坚实的应急基金

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."

古巴还告诉《名利场》，个人应该“节省六个月的收入，因为如果“您被解雇，或者必须搬家，您将至少需要六个月的收入”。

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.

他解释说，拥有现金的最大优势是，您不会在紧急情况下以较低的成本出售您对股票资金和其他投资工具的投资。反过来，随着时间的流逝，您给投资足够的时间来复合，如果您刚刚开始创造财富之旅，这很重要。

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

总体而言，古巴的简单有效的个人理财策略可以被每个人都采用，从职业成年的个人到经验丰富的投资者