卡洛斯·尤洛 (Carlos Yulo) 应该如何处理他的 1 亿比索奖金

卡洛斯·尤洛在最近结束的巴黎奥运会上取得了两枚金牌，创造了惊人的壮举。因此，他将从政府和私营部门获得超过1亿比索的现金和实物奖励和奖励。

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·尤洛在最近结束的巴黎奥运会上赢得两枚金牌，创造了历史。因此，他将获得政府和私营部门总计超过 1 亿比索的现金和实物奖励和奖励。

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.

虽然这当然是个好消息，但他的下一个挑战将是有效管理这些奖励，以确保他余生的财务安全。毕竟，许多快速致富的人也会因为资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:

以下是一个假设计划，如果我是卡洛斯·尤洛，我将如何分配我的奖励：

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，我会将奖金的 10% 捐给我的家人。无论我与他们的关系如何，我仍然想对他们过去为我的成功做出的贡献表示感谢。

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.

接下来，我将拨出 20% 的捐款给教堂、慈善机构和我关心的事业，包括那些帮助我成功的人和其他可以伸出援助之手的有前途的运动员。

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.

我为此设置了固定分配，因为鉴于我的奖励的宣传，可能会有很多人向我寻求帮助。虽然我相信帮助他人，但我也必须优先考虑自己的福祉。过度帮助可能会成为一个问题，因为我最终可能会失去一切，而当这种情况发生时，并不能保证有人会帮助我。

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，并不是每个寻求帮助的人都应该得到帮助，特别是如果他们有能力工作但选择偷懒或觉得自己有权过上美好的生活而不做出任何贡献。帮助这类人只会让他们变得懒惰和有权利。

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.

我现在会专注于自己。我要做的第一件事就是留出应急资金并将其存入定期存款。这笔金额应该足以支付六个月的费用，确保即使在严重受伤的情况下我也能维持我的生活方式。

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.

我也想买医疗保险。生病的费用可能非常昂贵，我不想担心从哪里弄钱来支付我的医院费用。

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.

对于剩下的资金，我会在只预算几百万后进行一些投资，以奖励自己的成就。虽然我获得了两枚金牌，但我不知道以后是否还能获得更多的金牌。

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.

职业运动员的收入也不高，而且我知道我的职业生涯不会持续很长时间。因此，我需要确保在我还坚强的时候赚到的钱足以支付我余生的开支。

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.

我会利用当前的高利率，分配一半资金购买收益率为 5% 至 6% 的长期债券。这些债券的利息收入将作为被动收入来支付我的一些日常开支。

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.

我会分配另一半资金来购买股票。这是因为我需要进行能够跑赢通胀的投资。虽然一亿在今天看来很多，但二十年后就不再那么值钱了。

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.

我还知道现在股票非常便宜，而且很多都提供现金股息，这是一个额外的好处，因为它会给我更多的被动收入。因为我短期内不需要这些资金，所以我可以利用当前的机会以非常便宜的价格购买股票，并在长期内获得显着的资本增值。

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

至于房产，我就把给我的三处房产出租出去。租金会增加我的被动收入。

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.

虽然住在麦金利山的三居室公寓很诱人，但我也会把它出租。这是因为我不需要那么多空间，因为我没有结婚，也没有孩子。此外，该公寓每月的会费和财产税相当可观，如果我住在那里，我的开支将会增加。

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.

麦金利山距离我训练的健身房也很远。考虑到交通如此糟糕，我呆在那里不太现实。

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.

根据我的研究，出租我的麦金利山公寓每月可以获得大约 P100,000 的收入。这足以支付靠近我训练的健身房的一间宽敞公寓的租金。支付租金和维护麦金利山公寓的费用后剩下的钱将进一步增加我的被动收入，这是更好的。

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.

最后，我会尽力保持简单的生活方式。虽然会有一些升级，比如搬到更好的地方、开车代替通勤、更多地外出就餐，但我计划有意识地避免自己过着奢侈的生活。不用担心钱可以帮助我在精神上专注于我的训练，让我在体操运动员的职业生涯中保持竞争力。