M21:10
我的意思是，真的，有人说过： “习惯的锁链，在刚开始的时候轻得让人感觉不到，直到它重得再也挣脱不开。”
I mean, you really, you know, someone said, "The chains of habit are too light to be felt until they're too heavy to be broken."
而且，习惯真的会对你的一生产生巨大的影响。
And habits really make an enormous difference in your life.
所以 Andy 和 Amy Heyward 创办了 Secret Millionaires Club，我也稍微帮过他们一些。
So Andy and Amy Heyward have developed the Secret Millionaires Club, which I've helped out with a little.
我们的目标，就是通过一种喜剧系列，用有趣的方式，把好习惯教给孩子们。
And our goal is to, in an entertaining way, present good habits to young kids through a kind of comedy series.
我觉得它确实起到了相当不错的效果。
And I think it's actually having a pretty good effect.
再过几天，在这里的 Omaha，我们会迎来八位决赛选手。他们都是来自全国各地、已经创办了自己企业的孩子。
And here in a few days, here in Omaha, we're going to have eight finalists, young kids from around the country who have developed businesses of their own.
而这些孩子总是让我感到非常惊叹。
And I'm always enormously impressed with these kids.
但是，自己养成良好习惯，或者从很小的时候就鼓励孩子养成良好的金钱习惯，
But the importance of developing good habits yourself or encouraging good habits in your children very early on with respect to money
真的可以改变他们的人生。
can change their lives.
你知道，我大学毕业时，手里已经多出了九千到一万美元。我很年轻就结了婚，孩子也很快就有了。
And, you know, it would—I was $9,000 or $10,000 ahead when I got out of college, and I got married young and had kids very fast.
如果我当时没有这样的起点，我的人生会完全不一样。
And if I hadn't had that start, my life would have been vastly different.
所以，在培养良好的金钱习惯这件事上，开始得越早越好。
So you can't start young enough when working on good money habits.
我确实认为 Secret Millionaires Club 做得很好，不过，教会孩子这些道理的好方法还可以有很多。
And I do think that I do—I think The Secret Millionaires Club is very good, but there could be lots of other good ways of teaching those lessons.