You know when we were, when I was younger my parents didn't speak any English, and like many immigrants, since I was a little kid, I was 8 years old when we came to North America.
在我还小的时候，我的父母不讲英语，就像很多移民一样。我们来北美的时候，我还是个孩子，当时才八岁。
And so I had to read the contracts, you know, my dad, when my dad bought a house, I had to read the mortgage and go through the paperwork.
我爸爸买房子的时候，我必须读合同，贷款合同，还有其它文件。
And when I was around 18 or 17, I looked at, being, at that point, we were, you know lower middle class, and I said, how do I get from where I am to where I need to be?
在我十七八岁的时候，那时我们勉强算得上是中产阶级，我思考，现有条件如此，我怎样才能实现梦想？
And so I started calculating how much money I would have to make in order just to buy a house.
所以，我开始计算，要挣多少钱，才能买房子。
And then I added the taxes into it and all the other stuff, and I realized how difficult it was going to be to accumulate capital, because that's the hardest thing to do is to accumulate capital.
算上税收，还有其它项目，我意识到，存钱是多么困难的事情，因为世界上最难的事情就是存钱。
……
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