What should ordinary people do if they want to accumulate wealth and realize wealth freedom?
- posted on 2020-11-19
- vocabulary (98)
- 猫眼儿观世界
pǐn kē jì liáo jīng jì
品科技聊经济
Product technology talk about economy
dà jiā hǎo wǒ shì māo yǎn ér
大家好我是猫眼儿
Hello everyone i am cat eye
yǒu hěn duō rén dōu zài shuō
有很多人都在说
Many people are saying
rú hé rú hé shí xiàn cái fù zì yóu
如何如何实现财富自由
How to realize the freedom of wealth
chéng rán cái shāng de pǔ jí
诚然,财商的普及
It is true that the popularity of financial business
gù rán ràng hěn duō rén dōu yǒu le
固然让很多人都有了
Of course, many people have
duì shuì hòu shōu rù cái fù zì yóu de xiàng wǎng
对税后收入财富自由的向往
Yearning for freedom of income and wealth after tax
dàn yáo kàn kōng zhōng lóu gé shí
但遥看空中楼阁时
But when I look at the castle in the sky
zài dī tóu kàn kàn zì jǐ de jiǎo xià
再低头看看自己的脚下
Look down at your feet again
zhè gè chà jù zhe shí hái shì bǐ jiào dà de
这个差距着实还是比较大的
The gap is actually quite large
zuò wèi yī gè pǔ tōng rén
作为一个普通人
As an ordinary person
yǒu shí xiàn cái fù zì yóu de lǐ xiǎng shì hǎo de
有实现财富自由的理想是好的
It is good to have the ideal of achieving wealth and freedom
dàn yě yào rèn qīng xiàn shí
但也要认清现实
But also recognize reality
zhōng diǎn gù rán fēi cháng jù yǒu xī yǐn lì
终点固然非常具有吸引力
The end point is very attractive
dàn tōng wǎng zhōng diǎn de měi yī bù jiē tī
但通往终点的每一步阶梯
But every step of the ladder to the end
cái shì zuì zhòng yào de
才是最重要的
Is the most important
nà běn qī shì pín māo yǎn ér
那本期视频猫眼儿
That video cat eye
jiù gēn nín yī qǐ lái liáo liáo
就跟您一起来聊聊
Just chat with you
yào xiǎng shí xiàn cái fù zì yóu
要想实现财富自由
To realize the freedom of wealth
zhè gè zhōng jí mù biāo
这个终极目标
This ultimate goal
wǒ men pǔ tōng rén jiū jìng yīng gāi zhè me zuò
我们普通人究竟应该这么做?
What should we ordinary people do?
huān yíng guān zhù māo yǎn ér de pín dào
欢迎关注猫眼儿的频道
Welcome to follow Maoyaner's channel
xián lái de huà
闲来的话
Free words
yě kě yǐ fān fān qí tā nèi róng
也可以翻翻其他内容
You can also browse other content
zài shuō zhè gè huà tí zhī qián
在说这个话题之前
Before talking about this topic
zán men xiān cóng hóng guān de jiǎo dù
咱们先从宏观的角度
Let’s start with a macro perspective
lái kàn yī zǔ shù jù
来看一组数据
Look at a set of data
bǎ zhōng guó rén yōng yǒu de cái fù rén qún
把中国人拥有的财富人群
The wealthy people owned by the Chinese
fēn wèi jǐ dà lèi
分为几大类
Divided into several categories
xiǎo yú wàn de dà zhòng rén qún
小于100万的大众人群
Mass population less than 1 million
cái fù zài wàn de
财富在100~300万的
Those with wealth between 1 and 3 million
dà zhòng fù yù rén qún
大众富裕人群
Mass affluent
wàn de fù yù rén qún
300~700万的富裕人群
3 to 7 million wealthy people
wàn de gāo jìng zhí
700~3500万的高净值
7~35 million high net worth
rén qún
人群
crowd
hé wàn yǐ shàng de
和3500万以上的
And over 35 million
chāo gāo jìng zhí rén qún
超高净值人群
UHNWI
cóng zhè liǎng gè tú shàng wǒ men kě yǐ kàn chū
从这两个图上我们可以看出
From these two pictures we can see
zhōng guó yōng yǒu wàn yǐ shàng cái fù de
中国拥有100万以上财富的
China has a wealth of more than 1 million
rén qún
人群
crowd
jǐn jǐn zhǐ yǒu
仅仅只有3.53%
Only 3.53%
ér jǐn jǐn zhǐ shì zhè me shǎo liàng de rén qún
而仅仅只是这么少量的人群
And just such a small number of people
què yōng yǒu de cái fù
却拥有47%的财富
Have 47% of wealth
zài zhè bù fēn fù rén zhōng
在这部分富人中
Among the rich
yě shì yuè lái yuè duō de cái fù
也是越来越多的财富
Also more and more wealth
xiàng tóu bù gāo jìng zhí
向头部高净值
High net worth
hé chāo gāo jìng zhí rén qún zhuǎn yí
和超高净值人群转移
And ultra-high-net-worth population
rèn qīng zhè gè xiàn shí
认清这个现实
Recognize this reality
nǐ jiù zhī dào le
你就知道了
You know
rú guǒ cái fù
如果财富
If wealth
zài wàn de fù yù rén qún
在300~700万的富裕人群
Among the wealthy people of 3~7 million
néng gòu shí xiàn cái fù zì yóu de huà
能够实现财富自由的话
If you can realize the freedom of wealth
xiǎng yào shí xiàn zhēn zhèng de cái fù zì yóu
想要实现真正的财富自由
Want to achieve real freedom of wealth
nǐ jiù bì xū zhì shǎo yào dǎ bài zhōng guó
你就必须至少要打败中国
You must at least defeat China
de rén
99.14%的人
99.14% of people
zhè gè nán dù zhe shí bù xiǎo
这个难度着实不小
This difficulty is really not small
dàn shì wǒ men bù néng kàn dào kùn nán
但是我们不能看到困难
But we cannot see the difficulties
jiù tuì suō ba
就退缩吧
Just back down
nà wǒ men lái chāi jiě yī xià
那我们来拆解一下
Let's disassemble it
yào xiǎng chéng wèi gāo jìng zhí rén qún de fāng shì
要想成为高净值人群的方式
The way to become a high-net-worth group
dōu yǒu nǎ xiē ne
都有哪些呢
What are they
wǒ men lái kàn yī xià zhè zhāng tú
我们来看一下这张图
Let's take a look at this picture
zhōng guó gāo jìng zhí rén qún cái fù de lái yuán
中国高净值人群财富的来源
Sources of wealth for China's high net worth individuals
zhǔ yào shì chuàng bàn gōng sī huò qǐ yè
主要是创办公司或企业
Mainly start a company or enterprise
zhè gè nán dù bù xiǎo
这个难度不小
This is not easy
bì jìng dà bù fēn de rén dōu shì dǎ gōng de
毕竟大部分的人都是打工的
After all, most people work part-time
zhǐ yǒu shǎo bù fēn de rén cái shì lǎo bǎn
只有少部分的人才是老板
Only a few people are bosses
ér nǐ yǎn zhōng de lǎo bǎn
而你眼中的老板
And the boss in your eyes
yě shì xìng cún zhě piān chà de jié guǒ
也是幸存者偏差的结果
Is also the result of survivor’s bias
jiù shì nǐ zhǐ kàn dào le
就是你只看到了
You just saw it
nǐ lǎo bǎn chéng gōng de zhè gè jié guǒ
你老板成功的这个结果
This result of your boss’s success
què yǒu yì de hū lüè diào le
却有意的忽略掉了
But deliberately ignored
gēn nǐ lǎo bǎn lèi shì de chuàng yè zhě
跟你老板类似的创业者
Entrepreneurs similar to your boss
qí shí yǒu hěn duō dōu shī bài le
其实有很多都失败了
Actually many failed
ér qiě dōu shì shī bài de jí jí wú míng
而且都是失败的籍籍无名
And they are all failed.
méi yǒu rén huì guān zhù tā men
没有人会关注他们
No one will follow them
suǒ yǐ chuàng yè zhè zhǒng jiǔ sǐ yī shēng de shì
所以创业这种九死一生的事
So starting a business is a matter of life and death
bìng bù shì hé dà bù fēn de rén
并不适合大部分的人
Not suitable for most people
zhè shì tōng wǎng gāo jìng zhí rén qún
这是通往高净值人群
This is the gateway to high-net-worth individuals
zuì kuài de tōng dào
最快的通道
Fastest channel
dàn yě tóng shí shì zuì cán kù de tōng dào
但也同时是最残酷的通道
But it is also the cruelest channel
nà wǒ men zài lái kàn kàn qí tā jǐ zhǒng fāng shì
那我们再来看看其他几种方式
Let's take a look at other ways
shèng xià de zhǒng fāng shì zhōng
剩下的5种方式中
Of the remaining 5 ways
shì hū yě jiù shì láo wù shōu rù
似乎也就是劳务收入
Seems to be labor income
gèng jiā shì hé dà bù fēn de rén
更加适合大部分的人
More suitable for most people
tóu zī huò lì
投资获利
Investment profit
gǔ piào tóu zī
股票投资
Stock investment
fáng chǎn tóu zī
房产投资
Real estate investment
zhè xiē dōu shì xū yào yuán shǐ zī běn
这些都是需要原始资本
These all require original capital
cái néng gòu huò lì de
才能够获利的
To be profitable
duì yú dà bù fēn rén ér yán
对于大部分人而言
For most people
zhè diǎn bù tài xiàn shí
这点不太现实
This is not realistic
ér duì yú jì chéng cái chǎn de wèn tí
而对于继承财产的问题
And the question of inheriting property
dà bù fēn rén dōu méi yǒu zhè gè hǎo mìng
大部分人都没有这个好命
Most people don’t have this good life
suǒ yǐ láo wù xìng de shōu rù
所以劳务性的收入
So labor income
chéng wèi le dà bù fēn pǔ tōng rén
成为了大部分普通人
Became most ordinary people
xiū gǎi mìng yùn de guān jiàn
修改命运的关键
The key to modifying fate
láo wù xìng shōu rù
劳务性收入
Labor income
shuō bái le jiù shì gōng zī shōu rù
说白了就是工资收入
To put it bluntly, it is salary income
nǐ chū mài zì jǐ de tǐ lì
你出卖自己的体力
You betray your physical strength
huò nǎo lì suǒ huàn qǔ de bào chóu
或脑力所换取的报酬
Or brain power
zhè gè yě shì wǒ men jué dà bù fēn rén zhèng zài zuò de
这个也是我们绝大部分人正在做的
This is what most of us are doing
dàn shì gōng zuò yě fēn xíng
但是工作也分360行
But work is also divided into 360 lines
jiù ná wǒ zì jǐ lái shuō
就拿我自己来说
Take me for example
dà xué bì yè hòu
大学毕业后
After graduating from college
tóng yī zhuān yè de tóng xué
同一专业的同学
Classmates of the same major
zài jǐ nián zhī hòu
在几年之后
In a few years
suǒ xuǎn zé de gōng zuò
所选择的工作
Selected job
huì yǒu hěn dà de qū bié
会有很大的区别
Will make a big difference
yǒu zuò qǐ yè gāo guǎn de
有做企业高管的
There are business executives
yǒu mài gǔ dǒng de
有卖古董的
There are antiques
yǒu zuò méi tǐ de
有做媒体的
Media
yǒu zuò gè tǐ hù de
有做个体户的
Self-employed
hái yǒu kāi gōng sī de
还有开公司的
And start a company
dàn bì yè duō nián zhī hòu
但毕业10多年之后
But more than 10 years after graduation
dāng nián yī gè jiào shì shàng kè de tóng xué
当年一个教室上课的同学
Classmates in a classroom
jìng yù cái fù
境遇财富
Situational wealth
què huì yǒu fēi cháng dà de qū bié
却会有非常大的区别
But there will be a very big difference
nà gāi xuǎn shén me yàng de zhí yè
那该选什么样的职业
What kind of career should I choose?
cái gèng yǒu zhù yú cái fù de jī lèi ne
才更有助于财富的积累呢
Is more helpful to the accumulation of wealth
zán men kě yǐ cóng bā fēi tè de
咱们可以从巴菲特的
We can start from Buffett’s
yī jù míng yán zhōng
一句名言中
In a famous saying
zhǎo dào dá àn
找到答案
Find the answer
tā céng shuō guò
他曾说过
He once said
rén shēng jiù xiàng gǔn xuě qiú
人生就像滚雪球
Life is like a snowball
zhòng yào de shì fā xiàn hěn shī de xuě hé hěn zhǎng de pō
重要的是发现很湿的雪和很长的坡
The important thing is to find very wet snow and a long slope
jiǎn dān de shuō jiù shì hǎo de zhí yè
简单的说就是好的职业
Simply put, a good career
bì xū jù yǒu liáng hǎo de chéng zhǎng xìng
必须具有良好的成长性
Must have good growth
hé zhǎng qī jī lèi de tè diǎn
和长期积累的特点
And the characteristics of long-term accumulation
ér yǔ zhī xiāng duì de
而与之相对的
And the opposite
yǒu chéng zhǎng hǎo de zhí yè
有成长好的职业
Have a good career
yě huì yǒu nà xiē yuè qín fèn
也会有那些越勤奋
There will be those who are more diligent
yuè pín qióng de zhí yè
越贫穷的职业
The poorer occupation
jiù xiàng gǔ xī là shén huà zhōng de xī xī fú sī
就像古希腊神话中的西西弗斯
Like Sisyphus in ancient Greek mythology
tā bù duàn de bǎ yī kuài jù shí
他不断的把一块巨石
He kept putting a boulder
tuī dào shān dǐng
推到山顶
Push to the top
yòu gǔn xià qù
又滚下去
Roll down again
jiē zhe wǎng shàng tuī zài gǔn xià
接着往上推再滚下
Then push up and then roll down
rú cǐ bù duàn de xún huán
如此不断的循环
Such a constant cycle
zhí zhì hào jǐn zì jǐ de shēng mìng
直至耗尽自己的生命
Until I run out of life
zài bù duàn de zhòng fù zhe xiāng tóng de shì
在不断的重复着相同的事
Keep repeating the same thing
yǐn shēn dào wǒ men gōng zuò zhōng
引申到我们工作中
Extend to our work
jiù shì nà xiē bù duàn zhòng fù
就是那些不断重复
Those who keep repeating
méi yǒu jī lèi xìng tuī shí tóu lèi xíng de zhí yè
没有积累性推石头类型的职业
There is no cumulative push stone type occupation
gǔn xuě qiú xíng de zhí yè
滚雪球型的职业
Snowball career
hé tuī shí tóu xíng de zhí yè
和推石头型的职业
And push the stone type career
zài wèi lái zhōng
在未来中
In the future
huì xiǎn shì chū fēi cháng dà de qū bié
会显示出非常大的区别
Will show a very big difference
suǒ yǐ dà jiā zài xuǎn zé xíng yè hé zhí yè de
所以大家在选择行业和职业的
So everyone is choosing industry and occupation
shí hòu
时候
time
shén zhì dà xué shēng zài xuǎn zé zhuān yè de shí hòu
甚至大学生在选择专业的时候
Even when college students choose a major
dōu yào fēi cháng fēi cháng de shèn zhòng
都要非常非常的慎重
Must be very, very cautious
yīn wèi zhè jiāng jué dìng
因为这将决定
Because this will determine
nǐ cái fù jī lèi sù dù de kuài yǔ màn
你财富积累速度的快与慢
The speed of your wealth accumulation
nà nǎ xiē shì gǔn xuě qiú xíng de zhí yè ne
那哪些是滚雪球型的职业呢
What are the snowball occupations?
bǐ rú jiào shī
比如教师
Such as teachers
lǜ shī
律师
lawyer
yī shēng
医生
Doctors
zhè jiù shǔ yú wǒ men chuán tǒng suǒ shuō de
这就属于我们传统所说的
This is what we traditionally say
yuè lǎo yuè chī xiāng de zhí yè
越老越吃香的职业
The older the more popular profession
suí zhe shí jiān de tuī yí
随着时间的推移
Over time
suǒ jī lèi de jīng yàn yuè lái yuè duō
所积累的经验越来越多
More and more experience accumulated
zì jǐ suǒ zhǎng wò de jì néng yě yuè lái yuè duō
自己所掌握的技能也越来越多
I have more and more skills
zì rán shè huì gěi yǔ de cái fù
自然社会给予的财富
Wealth given by natural society
yě huì yuè lái yuè duō
也会越来越多
More and more
dāng rán zhè xiē yě bù shì dà bù fēn rén
当然这些也不是大部分人
Of course these are not most people
suǒ néng huò dé de zhí yè
所能获得的职业
Available occupations
bì jìng zhè xiē dōu xū yào bù dī de xué lì mén kǎn
毕竟这些都需要不低的学历门槛
After all, these all require a high degree of education threshold
dàn shì jí shǐ shì dī xué lì de
但是即使是低学历的
But even those with low education
yī rán yě yǒu hěn duō gǔn xuě qiú xíng de zhí yè
依然也有很多滚雪球型的职业
There are still many snowball jobs
bǐ rú jiàn shēn jiào liàn
比如健身教练
Like a fitness coach
měi róng shī
美容师
Beautician
yù ér shī
育儿师
Parents
lǐ liáo shī
理疗师
Physiotherapist
zhè xiē zhí yè
这些职业
These occupations
suī rán bù xū yào tài gāo de wén píng
虽然不需要太高的文凭
Although you don’t need a high diploma
dàn shì suí zhe jì néng de jīng yàn de zēng jiā
但是随着技能的经验的增加
But with the increase of skill experience
yī rán kě yǐ ná dào bù cuò de shōu rù
依然可以拿到不错的收入
Still get a good income
bǐ rú zhè gè jiàn shēn jiào liàn
比如这个健身教练
Such as this fitness coach
nián chéng shì fú wù de píng jūn gōng zī zhōng
2018年城市服务的平均工资中
Among the average salaries of urban services in 2018
jiàn shēn jiào liàn de gōng zī
健身教练的工资
Salary of fitness coach
kě yǐ dá dào
可以达到
can reach
yuán
16,524元
16,524 yuan
dāng rán le wǒ men bìng bù shì shuō
当然了我们并不是说
Of course we are not saying
ràng dà jiā dōu qù zuò jiàn shēn jiào liàn
让大家都去做健身教练
Let everyone be a fitness coach
ér shì gào sù dà jiā
而是告诉大家
But to tell everyone
wǒ men zài xuǎn zé yī gè zhí yè de shí hòu
我们在选择一个职业的时候
When we choose a profession
bù yào máng mù
不要盲目
Don't be blind
dāng rán nán fāng yǒu hěn duō gōng chǎng
当然南方有很多工厂
Of course there are many factories in the south
liú shuǐ xiàn shàng yǒu tài duō de nián qīng rén
流水线上有太多的年轻人
Too many young people on the assembly line
yī gè níng luó sī de dòng zuò fēi cháng xián shú
一个拧螺丝的动作非常娴熟
A screw is very skillful
suǒ yòng de lì dào qià dào hǎo chù
所用的力道恰到好处
The force used is just right
ér qiě fēi cháng de kuài sù
而且非常的快速
And very fast
hěn xiǎn rán zhè yàng de gōng zuò
很显然这样的工作
Obviously this kind of work
bìng bù xū yào tài gāo de jì néng
并不需要太高的技能
Does not require too high skills
jí shǐ nǐ níng luó sī de jì néng
即使你拧螺丝的技能
Even if you screw the skills
kě yǐ lì yā quán chǎng
可以力压全厂
Can crush the whole plant
duì yú nǐ cái fù jī lèi ér yán
对于你财富积累而言
For your wealth accumulation
bìng wú duō dà hǎo chù
并无多大好处
Not much good
zhè gè jiù shì diǎn xíng de
这个就是典型的
This is typical
tuī shí tóu lèi xíng de zhí yè
推石头类型的职业
Push stone type career
suǒ yǐ jìng xià xīn lái zǎi xì xiǎng xiǎng zì jǐ de
所以静下心来仔细想想自己的
So calm down and think about your own
gōng zuò
工作
jobs
dào dǐ shì gǔn xuě qiú xíng de gōng zuò
到底是滚雪球型的工作
It's a snowball job after all
hái shì tuī shí tóu xíng de gōng zuò
还是推石头型的工作
Still pushing the stone type job
qí cì
其次
Secondly
wǒ men hái bì xū yào zhù yì dào
我们还必须要注意到
We must also notice
zì jǐ de zhí yè
自己的职业
Own profession
wèi lái huì bù huì bèi rén gōng zhì néng suǒ tì dài
未来会不会被人工智能所替代
Will it be replaced by artificial intelligence in the future
kě néng nǐ jué dé zhè shì wēi yán sǒng tīng
可能你觉得这是危言耸听
Maybe you think this is alarmist
zán men jiù ná huá ěr jiē nà bāng gāo zhì shāng gāo
咱们就拿华尔街那帮高智商高
Let’s take those high IQs from Wall Street
xué lì de rén lái shuō
学历的人来说
For those with academic qualifications
nián
2019年
2019
huā qí yín xíng hé dé yì zhì yín xíng
花旗银行和德意志银行
Citibank and Deutsche Bank
fēn bié cái yuán le wàn rén hé wàn rén
分别裁员了1万人和1.8万人
Lay off 10,000 and 18,000 employees respectively
rén gōng zhì néng kě yǐ tì dài
人工智能可以替代
Artificial intelligence can replace
hěn duō tóu xíng yuán gōng de gōng zuò
很多投行员工的工作
The work of many investment bank employees
jì rán kě yǐ bèi tì dài
既然可以被替代
Since it can be replaced
yòu wèi shén me yī dìng yào qǐng rén ne
又为什么一定要请人呢
Why must we hire someone?
dāng rán zhè gè yě jǐn jǐn zhǐ shì jīn róng lǐng yù
当然这个也仅仅只是金融领域
Of course this is only in the financial sector
zán men lái kàn kàn gōng chǎng de zhì zào lǐng yù
咱们来看看工厂的制造领域
Let's take a look at the manufacturing area of the factory
gōng yè jī qì rén shì chǎng
工业机器人市场
Industrial Robot Market
cóng nián dào nián
从14年到17年
From 14 to 17 years
jiù fān le yī fān
就翻了一番
Just doubled
shòu zhì yú jìn lái de mào yì zhàn hé yì qíng yǐng xiǎng
受制于近来的贸易战和疫情影响
Subject to the recent trade war and epidemic
zēng sù yǒu suǒ fàng huǎn
增速有所放缓
The growth rate has slowed down
dàn réng rán chù yú bù duàn pān shēng zhī zhōng
但仍然处于不断攀升之中
But it's still climbing
gōng yè jī qì rén de shǐ yòng
工业机器人的使用
Use of industrial robots
shì bì huì tì dài dà liàng de zhì zào yè gǎng wèi
势必会替代大量的制造业岗位
Will replace a large number of manufacturing jobs
ér zhěng gè zhōng guó rén gōng zhì néng lǐng yù de
而整个中国人工智能领域的
And the entire Chinese artificial intelligence field
zēng zhǎng lǜ
增长率
growth rate
què zài xiǎn zhù zēng jiā
却在显著增加
But it is increasing significantly
nián
2022年
2022
jiāng bǐ nián fān yī fān
将比2019年翻一番
Will double from 2019
rén gōng zhì néng de pǔ jí
人工智能的普及
The popularity of artificial intelligence
shì bì huì duì jiāng lái de gōng zuò zhí wèi
势必会对将来的工作职位
Is bound to be
dài lái jù dà de yǐng xiǎng
带来巨大的影响
Have a huge impact
ér rén gōng zhì néng shì quán qiú de yī gè bì rán
而人工智能是全球的一个必然
And artificial intelligence is a necessity in the world
qū shì
趋势
trend
jié hé dào wǒ men shí jì de zhí wèi shàng
结合到我们实际的职位上
Combined with our actual position
jiù yào kàn zhè gè zhí wèi huì bù huì bèi biān mǎ huà
就要看这个职位会不会被编码化
It depends on whether this position will be coded
lǐ kāi fù céng jīng shuō guò
李开复曾经说过
Kaifu Lee once said
yī gè miǎo zhōng zhǔn zé
一个5秒钟准则
A 5-second rule
jiù shì shuō yī xiàng gōng zuò zhōng
就是说一项工作中
That is to say in a job
xū yào sī kǎo hé jué cè de wèn tí
需要思考和决策的问题
Issues that require thinking and decision-making
kě yǐ ràng rén zài miǎo nèi
可以让人在5秒内
Can make people in 5 seconds
zuò chū xiāng yīng de jué dìng
做出相应的决定
Make corresponding decisions
nà me zhè xiàng gōng zuò
那么这项工作
Then this job
jiù hěn yǒu kě néng bèi rén gōng zhì néng jì shù
就很有可能被人工智能技术
Artificial intelligence technology
bù fēn huò quán bù tì dài
部分或全部替代
Partial or full replacement
nián
2000年
2000
gāo shèng niǔ yuē zǒng bù de
高盛纽约总部的
Goldman Sachs New York headquarters
gǔ piào jiāo yì guì tái
股票交易柜台
Stock trading counter
yǒu míng jiāo yì yuán
有600名交易员
There are 600 traders
kě shì rú jīn zhè lǐ zhǐ yǒu liǎng míng yuán gōng
可是如今这里只有两名员工
But now there are only two employees
qí tā rén dōu bèi zì dòng jiāo yì chéng xù suǒ jiē guǎn le
其他人都被自动交易程序所接管了
Everyone else was taken over by automated trading programs
céng jīng yín xíng zhí yuán
曾经银行职员
Former bank clerk
bèi rèn wèi shì jīn fàn wǎn
被认为是金饭碗
Considered a golden rice bowl
píng jūn gōng zī wǒ men qǔ zhōng wèi shù de huà
平均工资我们取中位数的话
If we take the median of the average salary
yě zài wàn zuǒ yòu
也在25万左右
Also around 250,000
zhè gè shōu rù shì chéng zhèn píng jūn gōng zī de sān bèi
这个收入是城镇平均工资的三倍
This income is three times the average urban salary
zuǒ yòu
左右
about
dàn shì rén gōng zhì néng huà de jīn tiān
但是人工智能化的今天
But today of artificial intelligence
yín xíng de yī xiē gōng zhǒng zhèng zài xiāo shī
银行的一些工种正在消失
Some types of bank jobs are disappearing
zhì huì guì yuán jī
智慧柜员机
Smart ATM
yuǎn chéng shì pín guì yuán jī
远程视频柜员机
Remote video teller machine
gè zhǒng gè yàng de méi tǐ zhǎn shì píng
各种各样的媒体展示屏
Various media display screens
dài tì le yī xiē dà táng jīng lǐ de zhí néng
代替了一些大堂经理的职能
Replaced the functions of some lobby managers
cóng zhè zhāng tú shàng wǒ men jiù kě yǐ kàn chū
从这张图上我们就可以看出
From this picture we can see
jiā shàng shì yín xíng de yuán gōng shù liàng
36家上市银行的员工数量
Number of employees in 36 listed banks
shì zài zhú nián xià jiàng de
是在逐年下降的
Is declining year by year
zhè bìng bù shì shuō yín xíng bù zhēng qián le
这并不是说银行不挣钱了
This is not to say that the bank is not making money anymore
cái yào cái yuán
才要裁员
Layoffs
ér shì yī xiē zhí wèi bèi tì dài
而是一些职位被替代
But some positions were replaced
mǎ yǐ jí tuán qí xià de wǎng shāng yín xíng
蚂蚁集团旗下的网商银行
Internet Merchant Bank under Ant Group
jī yú dà shù jù
基于大数据
Based on big data
rén gōng zhì néng fēn xī jì shù
人工智能分析技术
Artificial Intelligence Analysis Technology
shí xiàn fàng dài liú chéng
实现310放贷流程
Realize 310 lending process
xiǎo wēi qǐ yè kě yǐ zài fēn zhōng nèi
小微企业可以在3分钟内
Small and micro enterprises can within 3 minutes
tián xiě shēn qǐng zī liào
填写申请资料
Fill in the application materials
zài fēn zhōng nèi shěn hé bìng fàng kuǎn
在1分钟内审核并放款
Review and release funds within 1 minute
rén gōng gàn yù
0人工干预
0 manual intervention
qí míng yuán gōng
其720名员工
Its 720 employees
què lèi jì fú wù le
却累计服务了
But accumulated service
wàn jiā xiǎo wēi qǐ yè
1227万家小微企业
12.27 million small and micro enterprises
zhè jiù shì rén gōng zhì néng
这就是人工智能
This is artificial intelligence
zài wèi lái duì zhí yè de yǐng xiǎng
在未来对职业的影响
Impact on careers in the future
bù yào jué dé rén gōng zhì néng duì zhí yè de yǐng xiǎng
不要觉得人工智能对职业的影响
Don't feel the impact of artificial intelligence on careers
shì wèi lái de shì
是未来的事
Is the future
duì zì jǐ bù huì yǒu yǐng xiǎng
对自己不会有影响
Will not affect yourself
xiǎng xiǎng téng xùn de xīn wén
想想腾讯的新闻
Think about Tencent news
xiě zuò jī qì rén miǎo
写作机器人dreamwriter0.5秒
Writing robot dreamwriter 0.5 seconds
jiù kě yǐ xiě chū yī piān zì de
就可以写出一篇1000字的
You can write a 1000 words
xīn wén bào dào
新闻报道
News report
zhè shì duì méi tǐ rén de yǐng xiǎng
这是对媒体人的影响
This is the impact on media people
xiǎng xiǎng bǎi dù wú rén chū zū chē
想想百度无人出租车
Think Baidu unmanned taxi
wèi lái duì sī jī de yǐng xiǎng
未来对司机的影响
Future impact on drivers
xiǎng xiǎng jīng dōng yán fā de kuài dì pèi sòng jī qì rén
想想京东研发的快递配送机器人
Think about the express delivery robot developed by JD.com
wèi lái duì wàn kuài dì yuán de yǐng xiǎng
未来对300万快递员的影响
The future impact on 3 million couriers
kē dà xùn fēi de shí shí fān yì
科大讯飞的实时翻译
Real-time translation of iFlytek
bǐ duì fān yì de yǐng xiǎng děng děng děng děng de
笔对翻译的影响等等等等的
The influence of pen on translation, etc.
zhè xiē dōu bù shì kōng xué lái fēng
这些都不是空穴来风
These are not groundless
ér shì yǐ jīng shí shí zài zài luò dì de jì shù
而是已经实实在在落地的技术
It's a technology that has actually landed
wǒ men bù néng zhuāng zuò shì ér bù jiàn
我们不能装作视而不见
We can't pretend to be blind
yǎn ěr dào líng de rèn wèi
掩耳盗铃的认为
Think
duì zì jǐ bù huì yǒu yǐng xiǎng
对自己不会有影响
Will not affect yourself
wèi yǔ chóu móu
未雨绸缪
Plan ahead
tí qián huā jǐ fēn zhōng
提前花几分钟
Take a few minutes in advance
sī kǎo yī xià zhè gè wèn tí
思考一下这个问题
Think about this question
zì jǐ de zhí wèi shì gǔn xuě qiú xíng de
自己的职位是滚雪球型的
Own position is snowballing
hái shì tuī shí tóu xíng de
还是推石头型的
Still push the stone
wèi lái huì bù huì bèi rén gōng zhì néng suǒ tì dài
未来会不会被人工智能所替代
Will it be replaced by artificial intelligence in the future
sī kǎo le zhè liǎng gè wèn tí zhī hòu
思考了这两个问题之后
After thinking about these two questions
wǒ men lái kàn kàn jù tǐ de zhí yè xuǎn zé
我们来看看具体的职业选择
Let's take a look at specific career choices
zài wǒ men de gù yǒu yìn xiàng zhōng
在我们的固有印象中
In our inherent impression
shì hū yī zhí shì gāo xué lì
似乎一直是高学历
Seems to have always been highly educated
cái huì yǒu gāo shōu rù
才会有高收入
High income
dàn shì yào zhī dào
但是要知道
But know
bìng bù shì suǒ yǒu de rén
并不是所有的人
Not all people
dōu yōng yǒu gāo xué lì de
都拥有高学历的
All have high education
jiù ná nián lái shuō
就拿2019年来说
Take 2019 as an example
běn kē lù qǔ rén shù wàn
本科录取人数309万
Undergraduate admissions 3.09 million
ér dāng nián dá dào gāo kǎo nián líng de rén kǒu
而当年达到高考年龄的人口
And the population who reached the college entrance examination age
jiù yǒu wàn
就有1696万
16.96 million
nán dào kǎo shàng běn kē de wèi lái
难道考上本科的未来
Is it the future of being admitted to undergraduate
jiù qián tú guāng míng
就前途光明
Bright future
méi yǒu kǎo shàng de duō wàn rén
没有考上的1000多万人
More than 10 million people who failed to pass the exam
jiù yào duì wèi lái shī qù xìn xīn ma
就要对未来失去信心吗
Do you lose confidence in the future?
xiǎn rán bù shì
显然不是
Obviously not
zán men lái kàn yī xià zhè zhāng tú
咱们来看一下这张图
Let's take a look at this picture
dī xué lì zhōng
低学历中
Low education
jù yǒu gǔn xuě qiú tè zhēng de zhí yè
具有滚雪球特征的职业
Profession with snowball characteristics
zhǔ bō
主播
Anchor
jiàn shēn jiào liàn
健身教练
Fitness coach
měi róng měi fā shī
美容美发师
Beauty hairdresser
měi jiǎ shī
美甲师
Manicurist
bǐ zhōng děng xué lì mén kǎn de
比中等学历门槛的
Higher than the middle education threshold
mì shū hé xíng zhèng wén yuán
秘书和行政文员
Secretary and administrative clerk
zhè zhǒng tuī shí tóu xíng de gōng zuò
这种推石头型的工作
This kind of stone pushing work
jù yǒu gèng gāo de gōng zī
具有更高的工资
Have a higher salary
ér suí zhe shí jiān de tuī yí
而随着时间的推移
And over time
rú guǒ àn zhào nián gōng zuò jīng yàn jì suàn de huà
如果按照5年工作经验计算的话
If calculated based on 5 years of work experience
gǔn xuě qiú xíng de gōng zuò
滚雪球型的工作
Snowball work
suǒ lèi jī chū de cái fù
所累积出的财富
Accumulated wealth
yào míng xiǎn gāo yú tuī shí tóu xíng de gōng zuò
要明显高于推石头型的工作
It’s significantly higher than the stone push
suǒ yǐ gāo xué lì
所以高学历
So high education
bìng bù yī dìng jiù bǐ dī xué lì
并不一定就比低学历
Not necessarily lower education
suǒ lèi jī de cái fù yào gāo
所累积的财富要高
The accumulated wealth is higher
yào kàn rú hé xuǎn zé
要看如何选择
Depends on how to choose
dàn gāo xué lì zhěng tǐ shàng
但高学历整体上
But on the whole
yào bǐ dī xué lì de chéng zhǎng xìng huì gèng hǎo
要比低学历的成长性会更好
It’s better to grow up than with a low degree
yào bù wèi shén me nà me duō rén
要不为什么那么多人
Why so many people
měi nián jǐ pò tóu
每年挤破头
Squeeze your head every year
yě yào qù shàng dà xué ne
也要去上大学呢
Going to university too
duì yú pǔ tōng rén ér yán
对于普通人而言
For ordinary people
yào shàn yú zhuā zhù qū shì
要善于抓住趋势
Be good at catching trends
jiù bǐ rú dà jiā dōu zhī dào
就比如大家都知道
Like everyone knows
yī shēng zhè gè zhí yè
医生这个职业
Doctor profession
yǒu fēi cháng hǎo de wèi lái
有非常好的未来
Have a very good future
gāo xīn shòu rén zūn jìng
高薪受人尊敬
Highly paid and respected
dàn yī xiàn chéng shì de sān jiǎ yī yuàn
但一线城市的三甲医院
But the top three hospitals in first-tier cities
yào xiǎng jìn rù de mén kǎn
要想进入的门槛
Barriers to entry
zhì shǎo dōu yào shì
至少都要是985 211
Must be at least 985 211
zhè yàng yī xué yuàn de shuò shì huò bó shì
这样医学院的硕士或博士
Master or PhD in medical school
néng yǒu jǐ gè rén yǒu zhè yàng de néng lì ne
能有几个人有这样的能力呢
How many people can have this ability
zhè yàng de mén kǎn
这样的门槛
Such a threshold
ràng dà bù fēn rén de rén dōu wàng ér què bù
让大部分人的人都望而却步
To discourage most people
dàn shì rú guǒ nǐ zǎi xì le jiě de huà
但是如果你仔细了解的话
But if you understand carefully
jiù huì fā xiàn
就会发现
Will find
hái yǒu qí tā tú jìng
还有其他途径
There are other ways
néng gòu jìn rù zhè yàng de sān jiǎ yī yuàn
能够进入这样的三甲医院
Can enter such a tertiary hospital
zài běi jīng yǒu yī suǒ
在北京有一所
There is a school in Beijing
dà jiā lián tīng dōu méi tīng shuō guò de xué xiào
大家连听都没听说过的学校
A school that everyone has never heard of
jiào zuò běi jīng wèi shēng zhí yè xué yuàn
叫做北京卫生职业学院
Called Beijing Health Vocational College
dāng měi nián de bì yè jì
当每年的毕业季
When the annual graduation season
gè dà míng pái de pǔ tōng de dà xué shēng
各大名牌的普通的大学生
Ordinary college students of major brands
zài wǎng lái gè dà rén cái shì chǎng tóu jiǎn lì de
在往来各大人才市场投简历的
Investing resumes in major talent markets
shí hòu
时候
time
zhè gè xué xiào de xué shēng
这个学校的学生
Students in this school
què bèi gè dà yī yuàn
却被各大医院
But by major hospitals
gè dà wèi shēng jī gòu
各大卫生机构
Major health institutions
shén zhì guó wài de kāng fù jī gòu
甚至国外的康复机构
Even foreign rehabilitation institutions
tí qián bǎ xué shēng dōu yù dìng zǒu le
提前把学生都预定走了
Pre-booked the students to leave
bù fēi de dài yù
不菲的待遇
Expensive treatment
liáng hǎo de fú lì
良好的福利
Good welfare
dōu bù cì yú yī gè míng pái dà xué shēng de xīn zī
都不次于一个名牌大学生的薪资
Not inferior to the salary of a famous university student
wèi shén me
为什么
why
yīn wèi gè dà yī yuàn wèi shēng jī gòu
因为各大医院卫生机构
Because major hospitals and health institutions
duì yú hù shì de xū qiú liàng tài dà le
对于护士的需求量太大了
There is too much demand for nurses
lái kàn yī xià zhè zhāng tú
来看一下这张图
Take a look at this picture
zhōng guó de zhù cè hù shì shù liàng
中国的注册护士数量
Number of registered nurses in China
dá dào le wàn rén
达到了410万人
Reached 4.1 million people
dàn měi qiān rén suǒ yōng yǒu de hù shì shù liàng
但每千人所拥有的护士数量
But the number of nurses per thousand people
cái jǐn jǐn zhǐ yǒu rén
才仅仅只有2.9人
Only 2.9 people
gēn měi guó de rén
跟美国的14.6人
With 14.6 people in the U.S.
hái yǒu fēi cháng dà de chà jù
还有非常大的差距
There is still a very big gap
ér guó jiā guī huà de dào nián
而国家规划的到2030年
And the national plan by 2030
měi qiān rén cháng zhù rén kǒu
每千人常住人口
Permanent population per thousand
yōng yǒu de zhù cè hù shì shù liàng
拥有的注册护士数量
Number of registered nurses
xī wàng néng gòu dá dào míng
希望能够达到4.7名
Hope to reach 4.7
zhè jiù yì wèi zhe
这就意味着
This means
zhěng gè shè huì
整个社会
whole society
hái xū yào jìn wàn míng de hù shì
还需要近300万名的护士
Nearly 3 million nurses are needed
zhè jiù shì qū shì
这就是趋势
This is the trend
ér hù shì yòu shì yī zhǒng
而护士又是一种
And the nurse is another kind
gǔn xuě qiú de
滚雪球的
Snowballing
jì néng xíng de zhí wèi
技能型的职位
Skilled positions
suí zhe shí jiān de tuī yí
随着时间的推移
Over time
hù shì néng gòu chù lǐ
护士能够处理
Nurse can handle
gè zhǒng bù tóng bìng huàn de wèn tí
各种不同病患的问题
Problems of various patients
jī lèi de jīng yàn yuè lái yuè duō
积累的经验越来越多
More and more experience accumulated
jù yǒu bù kě tì dài xìng
具有不可替代性
Irreplaceable
xīn zī zì rán yě huì chí xù de zēng zhǎng
薪资自然也会持续的增长
Salaries will naturally continue to grow
dāng rán le
当然了
Of course
zhè lǐ jǐn jǐn zhǐ shì
这里仅仅只是
Here is just
jǔ le yī gè shùn yīng qū shì de lì zi
举了一个顺应趋势的例子
Give an example of conforming to the trend
zhǐ yào wǒ men néng zài rì cháng de shēng huó zhōng
只要我们能在日常的生活中
As long as we can in our daily life
duō duō guān chá
多多观察
Observe
shùn yīng dà qū shì
顺应大趋势
Follow the big trend
zuò shàng kuài chē
坐上快车
Get on the express
shùn zhe zhǎng zhǎng de pō dào
顺着长长的坡道
Down the long ramp
zhōng néng gǔn chū shǔ yú zì jǐ de dà xuě qiú
终能滚出属于自己的大雪球
Finally get his own big snowball
suǒ yǐ zhí yè de xuǎn zé
所以职业的选择
So career choice
duì cái fù de jī lèi
对财富的积累
Accumulation of wealth
yǒu zhe zhòng yào de zuò yòng
有着重要的作用
Has an important role
cái huì yǒu nà jù jī tāng wén
才会有那句鸡汤文
There will be that chicken soup
xuǎn zé dà yú nǔ lì
“选择大于努力”
"Choice is greater than effort"
jiù ná māo yǎn ér zuò de zhè gè zì méi tǐ lái shuō
就拿猫眼儿做的这个自媒体来说
Take this self-media made by Maoyan'er
shǒu xiān zhè gè zhí yè
首先这个职业
First of all this profession
shì yī gè jù yǒu jī lèi xìng de zhí yè
是一个具有积累性的职业
Is a cumulative occupation
suí zhe fěn sī de zēng jiā
随着粉丝的增加
As fans increase
zì jǐ de shōu rù yě huì xiāng yīng de tí gāo
自己的收入也会相应的提高
My income will increase accordingly
bìng qiě shì bù shè shàng xiàn de
并且是不设上限的
And there is no upper limit
qí cì shì pín yǔ tú wén yī yàng
其次视频与图文一样
Secondly, the video is the same as the graphic
jiāng huì zhǎng qī cún zài yú hù lián wǎng shàng
将会长期存在于互联网上
Will exist on the Internet for a long time
bù huì yīn wèi yǒu le xīn de zài tǐ
不会因为有了新的载体
Not because of the new carrier
shì pín jiù huì xiāo wáng
视频就会消亡
Video will die
suǒ yǐ zhè gè pō dào jǐ hū shì wú xiàn zhǎng de
所以这个坡道几乎是无限长的
So this ramp is almost infinitely long
zuì hòu shì pín de nèi róng
最后视频的内容
The content of the final video
xū yào tǐ xiàn chū zuò zhě de zhǔ guān guān diǎn
需要体现出作者的主观观点
Need to reflect the author's subjective point of view
ér chá xún zī liào suǒ huò dé de shù jù
而查询资料所获得的数据
And the data obtained by querying the data
yòu zài yìn zhèng zhè gè guān diǎn
又在印证这个观点
Confirming this point of view
zhè zhǒng shì pín nèi róng
这种视频内容
This video content
shì rén gōng zhì néng suǒ bù néng tì dài de
是人工智能所不能替代的
It cannot be replaced by artificial intelligence
ér qiě māo yǎn suǒ zhì zuò de zhè zhǒng zhōng shì pín
而且猫眼所制作的这种中视频
And this kind of Chinese video made by Maoyan
xiāng bǐ yú yī fēn zhōng yǐ nèi de duǎn shì pín ér yán
相比于一分钟以内的短视频而言
Compared to short videos within one minute
néng gòu shǐ yòng gèng zhǎng de shí zhǎng
能够使用更长的时长
Able to use longer time
bǎ yī jiàn shì jiǎng dé gèng jiā qīng chǔ
把一件事讲得更加清楚
Make one thing more clear
zhè shì duǎn shì pín suǒ méi yǒu bàn fǎ zuò dào de
这是短视频所没有办法做到的
This is something that short videos cannot do
yě shì shùn yīng le yī zhǒng qū shì
也是顺应了一种趋势
Also conforms to a trend
suǒ yǐ māo yǎn mù qián suǒ zuò de zhè gè zì méi tǐ
所以猫眼目前所做的这个自媒体
So the self-media that Maoyan currently does
jiù shì yī gè kě yǐ zhǎng qī jī lèi cái fù de
就是一个可以长期积累财富的
Is a person who can accumulate wealth for a long time
zhí yè
职业
Occupation
nín yě bù fáng tào yòng zhè gè kuāng jià
您也不妨套用这个框架
You may also wish to apply this framework
lái fēn xī yī xià zì jǐ de zhí yè
来分析一下自己的职业
Let’s analyze my career
néng wèi zì jǐ liáng hǎo
能为自己良好
Be good for yourself
bìng zhǎng qī de jī lèi cái fù ma
并长期的积累财富吗
And accumulate wealth for a long time?
huān yíng péng yǒu men liú yán
欢迎朋友们留言
Welcome friends to leave a message
shuō shuō dà jiā de zhí yè
说说大家的职业
Talk about everyone's occupation
dà jiā yī qǐ tàn tǎo yī xià
大家一起探讨一下
Let's discuss it together
dōu kàn wán le
都看完了
Finished reading
jiù shùn biàn diǎn gè zàn bei
就顺便点个赞呗
Just like it by the way
gǎn xiè guān zhòng
感谢观众
Thank the audience
māo yǎn ér de pín dào xià qī zài jiàn
猫眼儿的频道下期再见
See you next time on Maoyan's channel