{"text": "大家好,我是丹丹。在日本,月收入50萬,按現在的匯率大概是21000多人民幣。到底算不算人生贏家呢?很多人一聽到這個數字,會下意識的覺得,這麼高的工資應該算吧?但我先跟你說一個很現實的點,在日本,月收入50萬,其實真正能花的錢大概只有39萬左右。如果你之前有看過我做的30萬40萬收入那幾期視頻,你應該會發現,50萬其實是一個非常關鍵的分界點。今天這一期,我就把稻金,稅金,還有真實的生活狀態,全部幫你拆開講清楚。最近真的很多人問我,在日本,月收入50萬到底算什麼水平呢?聽起來好像很高,對吧?但其實很多人,他們其實只看到了表面收入,完全沒有考慮,手裡到底能剩下多少錢。還有真實的日本生活狀態是什麼樣的?包括到手,稅金,生活水平,還有這個收入,在日本到底算不算厲害呢?首先我們先來看一個最核心的問題,約收入50萬,實際能拿到手多少錢呢?根據日本國稅廳的數據,如果你在東京,約收入50萬,也就是年收入600萬的話,你的到手大概是39萬左右。也就是說,你每個月還沒有開始花錢,就已經少了大概11萬。這11萬其實就是各種稅金和社會保險,比如說所得稅,住民稅,後生年金,健康保險等等。而且這裡要注意一點,這個是沒有獎金的情況下計算的金額,但是在日本,其實很多公司都會發獎金的。比如說,如果你每個月基本工資是50萬,外加一年100萬獎金,那你一整年的到手大概是530億萬。但是如果你把獎金單獨算的話,你每個月真正能拿到手的,其實大概是38萬左右。還有一個很多人會忽略的點,那就是配偶者扣除。配偶者扣除簡單說就是,如果你結婚了,有配偶,而且配偶年收入比較低,是可以減稅的。舉個例子,比如你月收入50萬,你的另一半年收入100萬左右,那你的全年到手大概是470萬,每個月大概是39萬。也就是說,婚姻結構其實也會影響你到手的錢。那接下來我們來看一個大家都很關心的問題,月收入50萬,到底算不算高呢?根據日本國税廳最新的數據,日本人的平均月收入是38.2萬。所以很明顯,50萬是高於平均水平的。如果按年齡來看的話呢,大概是45到49歲左右的政社員的平均水平,大概是49.8萬。也就是說,如果你現在是30多歲,就可以拿50萬的工資,其實已經是超過大多數人的水平了。再看男性,男性的平均月收入是46.9萬,50萬也是高於平均的。舉提到年齡的話,比30到39歲人群的平均45.8萬還要高,和40代前半50.2萬差不多。那女性這邊就更明顯了,女性平均月收入只有25.2萬。50萬是遠遠高於女性所有年齡段的平均水平的。從20代到50代都可以超過。所以從數據來看,月收入50萬確實不低。那重點來了,約收入50萬在日本能過什麼樣的生活呢?這個真的差別非常大,完全取決於你有沒有房租,有沒有家庭。今天我們分幾個很現實的情況,你可以對號入座,看一看自己更接近哪一種。第一種是單身,家住在父母家。這種情況其實是最輕鬆的,因為你基本沒有房租,水電這些支出,一個月消費可能10萬左右就夠了。你可以平時想吃什麼就吃什麼,週末還可以出去逛街、旅遊,其實都不會有太多的壓力。你到手39萬,就算給家裡幾萬生活費,你還能剩下很多。這些錢你可以拿著去消費、旅遊,也可以存錢、投資。第二種是,單身自己租房子住,那開銷就明顯的上來了。房租、吃飯、外食頻率都會影響支出,大概一個月要花25萬左右。你能租一個不錯的房子,但外食買東西這些就要稍微注意一下了。到手39萬,還能剩14萬左右。這個狀態其實已經算比較舒服了。第三種,結婚兩個人生活,開銷會再增加一點。每個月生活費大概需要28萬。那你還能剩11萬左右。不需要特別節省也可以過得不錯。日常生活是比較穩定的狀態。第四種是,有一個孩子的家庭。這個差別就很明顯了。房租、教育費、生活費都會增加。一個月生活費大概需要36萬。到手39萬的話,只能剩3萬左右。很多人在這個階段其實會有一種感覺,錢是夠用的,但基本每個月都是月光。那我們再來看一些更具體的現實問題。都是大家在日本生活一定會遇到的。比如說月收入50萬,到底能不能存下錢。如果你是住在父母家,基本沒有什麼開銷,那你一個月可以存將近二三十萬。但如果你結婚或者有孩子了,基本大部分錢都會用在生活上。存錢難度會明顯的上升。再比如這個收入能租到什麼樣的房子呢?一般日本中介會建議,房租控制在到手的三分之一。到手39萬的話,大概12萬到13萬的房子。如果公司有房補或者設宅,那你的壓力會小很多。這個一定要好好利用。那能不能結婚呢?答案是可以,而且壓力不大。兩個人生活,就算不刻意節約,也能過得不錯。但如果你未來要孩子,要養老,要投資,還是建議提前做規劃。特別是有孩子的家庭。如果有兩個孩子以上的,那壓力就更大了。尤其是教育費。日本的私立學校和公立差別非常大。還有各個地區補貼也不一樣。那如果你想買車,其實也是可以的。一般建議是,車價控制在年收入的一半。你年收入600萬的話,大概可以買300萬左右的新車,或者高級一點的二手車。最後我們把稅這一塊再講清楚一點。約收入50萬的話,所得稅大概是1.7萬。住民稅大概是2.6萬。很多人會誤以為,年收入600萬就會直接按20%交稅。其實完全不是這樣的。日本的所得稅是累進課稅,是分段計算的。比如說195萬以內,稅率是5%,195萬到330萬的部分,稅率就是10%了。收入越高,稅率越高。不過重點是,稅是按照課稅所得金額計算的,不是你的年收入金額。也就是說收入,減掉社保,健康保險這些之後的金額。中民稅就比較簡單,也是減掉各種扣除之後再算,大概是課稅所得的10%。如果你想快速知道,你現在的額面工資大概到手是多少?可以參照這個,額面和到手的對照表。還有這個反過來的表,你也可以用到手去推算你的稅前收入。那今天這一期視頻,其實我想幫你搞清楚一件事。約收入50萬,這個收入確實不低,但它也絕對沒有你想像中那麼輕鬆。你生活有沒有壓力,其實不取決於你賺多少,而是取決於你的生活結構。有沒有房租,有沒有孩子,這些才是決定你生活質量的關鍵。如果你現在正在以月收入50萬為目標,那更真實的認知是,收入決定的是上限,但你過得好不好,其實取決於你怎麼用這筆錢。很多在日本生活的人其實都卡在這個收入區間裡。如果你把這個邏輯想清楚了,後面無論你賺多少,你都會更有掌控感。如果你對不同收入在日本到底能過什麼樣的生活感興趣。我其實前面已經做過20萬,30萬,40萬的完整系列了。你可以對照著,比著看一下,會更有感覺。你也可以在評論區告訴我,你現在大概在哪個收入階段,或者你最關心哪一塊支出呢?我可以幫你一起分析。那我們下期再見。", "segments": [{"id": 0, "seek": 0, "start": 0.0, "end": 9.4, "text": "大家好,我是丹丹。在日本,月收入50萬,按現在的匯率大概是21000多人民幣。到底算不算人生贏家呢?", "tokens": [50365, 15248, 11, 15914, 940, 117, 940, 117, 1543, 3581, 27311, 11, 6939, 18681, 14028, 2803, 14099, 11, 26613, 12648, 1546, 9937, 107, 44866, 32044, 1541, 4436, 1360, 6392, 44894, 3509, 96, 1543, 33883, 19497, 1960, 19497, 4035, 8244, 18464, 237, 5155, 6240, 30, 50835], "temperature": 0, "avg_logprob": -0.16045108154742388, "compression_ratio": 1.3475409836065573, "no_speech_prob": 8.843468492225615e-12}, {"id": 1, "seek": 0, "start": 9.4, "end": 15.0, "text": "很多人一聽到這個數字,會下意識的覺得,這麼高的工資應該算吧?", "tokens": [50835, 20778, 4035, 2257, 21524, 4511, 6287, 30622, 22381, 11, 6236, 4438, 9042, 43143, 1546, 11274, 11, 21269, 12979, 1546, 23323, 35380, 26087, 19497, 6062, 30, 51115], "temperature": 0, "avg_logprob": -0.16045108154742388, "compression_ratio": 1.3475409836065573, "no_speech_prob": 8.843468492225615e-12}, {"id": 2, "seek": 0, "start": 15.0, "end": 23.0, "text": "但我先跟你說一個很現實的點,在日本,月收入50萬,其實真正能花的錢大概只有39萬左右。", "tokens": [51115, 8395, 1654, 10108, 24131, 4622, 8990, 4563, 9581, 10376, 1546, 8216, 11, 3581, 27311, 11, 6939, 18681, 14028, 2803, 14099, 11, 14139, 6303, 15789, 8225, 20127, 1546, 29483, 32044, 35244, 12493, 14099, 29457, 1543, 51515], "temperature": 0, "avg_logprob": -0.16045108154742388, "compression_ratio": 1.3475409836065573, "no_speech_prob": 8.843468492225615e-12}, {"id": 3, "seek": 0, "start": 23.0, "end": 29.0, "text": "如果你之前有看過我做的30萬40萬收入那幾期視頻,你應該會發現,", "tokens": [51515, 45669, 32442, 2412, 4200, 8816, 1654, 10907, 1546, 3446, 14099, 5254, 14099, 18681, 14028, 4184, 23575, 16786, 27333, 29940, 11, 2166, 26087, 6236, 38927, 11, 51815], "temperature": 0, "avg_logprob": -0.16045108154742388, "compression_ratio": 1.3475409836065573, "no_speech_prob": 8.843468492225615e-12}, {"id": 4, "seek": 2900, "start": 29.0, "end": 34.0, "text": "50萬其實是一個非常關鍵的分界點。今天這一期,我就把稻金,", "tokens": [50365, 2803, 14099, 14139, 1541, 8990, 14392, 14899, 41668, 113, 1546, 6627, 21185, 8216, 1543, 12074, 32260, 16786, 11, 22020, 16075, 10415, 119, 19117, 11, 50615], "temperature": 0, "avg_logprob": -0.11967483433810147, "compression_ratio": 1.3300653594771241, "no_speech_prob": 1.251536721480484e-11}, {"id": 5, "seek": 2900, "start": 34.0, "end": 40.0, "text": "稅金,還有真實的生活狀態,全部幫你拆開講清楚。最近真的很多人問我,", "tokens": [50615, 10415, 227, 19117, 11, 15569, 6303, 10376, 1546, 49958, 18637, 222, 45248, 11, 38714, 32187, 2166, 6852, 228, 8949, 11932, 38433, 1543, 46777, 8034, 20778, 4035, 11361, 1654, 11, 50915], "temperature": 0, "avg_logprob": -0.11967483433810147, "compression_ratio": 1.3300653594771241, "no_speech_prob": 1.251536721480484e-11}, {"id": 6, "seek": 2900, "start": 40.0, "end": 46.0, "text": "在日本,月收入50萬到底算什麼水平呢?聽起來好像很高,對吧?", "tokens": [50915, 3581, 27311, 11, 6939, 18681, 14028, 2803, 14099, 33883, 19497, 7598, 15590, 16716, 6240, 30, 21524, 21670, 33242, 4563, 12979, 11, 47905, 30, 51215], "temperature": 0, "avg_logprob": -0.11967483433810147, "compression_ratio": 1.3300653594771241, "no_speech_prob": 1.251536721480484e-11}, {"id": 7, "seek": 2900, "start": 46.0, "end": 51.0, "text": "但其實很多人,他們其實只看到了表面收入,完全沒有考慮,", "tokens": [51215, 8395, 14139, 20778, 4035, 11, 20486, 14139, 14003, 18032, 2289, 17571, 8833, 18681, 14028, 11, 37100, 6963, 26504, 12358, 106, 11, 51465], "temperature": 0, "avg_logprob": -0.11967483433810147, "compression_ratio": 1.3300653594771241, "no_speech_prob": 1.251536721480484e-11}, {"id": 8, "seek": 2900, "start": 51.0, "end": 56.0, "text": "手裡到底能剩下多少錢。還有真實的日本生活狀態是什麼樣的?", "tokens": [51465, 11389, 11066, 33883, 8225, 5935, 102, 4438, 41492, 29483, 1543, 15569, 6303, 10376, 1546, 27311, 49958, 18637, 222, 45248, 35851, 6180, 1546, 30, 51715], "temperature": 0, "avg_logprob": -0.11967483433810147, "compression_ratio": 1.3300653594771241, "no_speech_prob": 1.251536721480484e-11}, {"id": 9, "seek": 5600, "start": 56.0, "end": 62.0, "text": "包括到手,稅金,生活水平,還有這個收入,在日本到底算不算厲害呢?", "tokens": [50365, 41828, 4511, 11389, 11, 10415, 227, 19117, 11, 49958, 15590, 16716, 11, 15569, 6287, 18681, 14028, 11, 3581, 27311, 33883, 19497, 1960, 19497, 20939, 6240, 30, 50665], "temperature": 0, "avg_logprob": -0.10953554559926518, "compression_ratio": 1.0853658536585367, "no_speech_prob": 2.1977900402370132e-11}, {"id": 10, "seek": 5600, "start": 62.0, "end": 68.0, "text": "首先我們先來看一個最核心的問題,約收入50萬,實際能拿到手多少錢呢?", "tokens": [50665, 36490, 5884, 10108, 3763, 4200, 8990, 8661, 8987, 116, 7945, 1546, 17197, 11, 30889, 18681, 14028, 2803, 14099, 11, 10376, 34837, 8225, 24351, 4511, 11389, 41492, 29483, 6240, 30, 50965], "temperature": 0, "avg_logprob": -0.10953554559926518, "compression_ratio": 1.0853658536585367, "no_speech_prob": 2.1977900402370132e-11}, {"id": 11, "seek": 6800, "start": 68.0, "end": 75.0, "text": "根據日本國稅廳的數據,如果你在東京,約收入50萬,也就是年收入600萬的話,", "tokens": [50365, 31337, 36841, 27311, 8053, 10415, 227, 17527, 111, 1546, 30622, 36841, 11, 13119, 41410, 18413, 31375, 11, 30889, 18681, 14028, 2803, 14099, 11, 6404, 5620, 5157, 18681, 14028, 15707, 14099, 21358, 11, 50715], "temperature": 0, "avg_logprob": -0.11069927496068618, "compression_ratio": 1.1564245810055866, "no_speech_prob": 2.2645586794656225e-11}, {"id": 12, "seek": 6800, "start": 75.0, "end": 83.0, "text": "你的到手大概是39萬左右。也就是說,你每個月還沒有開始花錢,就已經少了大概11萬。", "tokens": [50715, 18961, 4511, 11389, 32044, 1541, 12493, 14099, 29457, 1543, 6404, 26222, 11, 2166, 23664, 3338, 6939, 7824, 6963, 21017, 20127, 29483, 11, 3111, 25338, 15686, 2289, 32044, 5348, 14099, 1543, 51115], "temperature": 0, "avg_logprob": -0.11069927496068618, "compression_ratio": 1.1564245810055866, "no_speech_prob": 2.2645586794656225e-11}, {"id": 13, "seek": 8300, "start": 83.0, "end": 91.0, "text": "這11萬其實就是各種稅金和社會保險,比如說所得稅,住民稅,後生年金,健康保險等等。", "tokens": [50365, 2664, 5348, 14099, 14139, 5620, 17516, 16516, 10415, 227, 19117, 12565, 27658, 6236, 24302, 49753, 11, 36757, 4622, 5966, 5916, 10415, 227, 11, 21632, 16113, 10415, 227, 11, 5661, 8244, 5157, 19117, 11, 44201, 6346, 115, 24302, 49753, 36000, 1543, 50765], "temperature": 0, "avg_logprob": -0.07363676737590008, "compression_ratio": 1.1626794258373205, "no_speech_prob": 2.3968721105105395e-11}, {"id": 14, "seek": 8300, "start": 91.0, "end": 99.0, "text": "而且這裡要注意一點,這個是沒有獎金的情況下計算的金額,但是在日本,其實很多公司都會發獎金的。", "tokens": [50765, 22942, 18771, 4275, 40794, 19202, 11, 41427, 6963, 29057, 236, 19117, 1546, 39391, 4438, 30114, 19497, 1546, 19117, 10178, 235, 11, 11189, 3581, 27311, 11, 14139, 20778, 13545, 32981, 7182, 6236, 14637, 29057, 236, 19117, 1546, 1543, 51165], "temperature": 0, "avg_logprob": -0.07363676737590008, "compression_ratio": 1.1626794258373205, "no_speech_prob": 2.3968721105105395e-11}, {"id": 15, "seek": 9900, "start": 99.0, "end": 108.0, "text": "比如說,如果你每個月基本工資是50萬,外加一年100萬獎金,那你一整年的到手大概是530億萬。", "tokens": [50365, 36757, 4622, 11, 45669, 23664, 3338, 6939, 37946, 23323, 35380, 1541, 2803, 14099, 11, 12022, 9990, 2257, 5157, 6879, 14099, 29057, 236, 19117, 11, 4184, 2166, 2257, 27662, 34128, 4511, 11389, 32044, 1541, 20, 3446, 25459, 14099, 1543, 50815], "temperature": 0, "avg_logprob": -0.060962609570435804, "compression_ratio": 1.2599118942731278, "no_speech_prob": 2.3603154153395423e-11}, {"id": 16, "seek": 9900, "start": 108.0, "end": 114.0, "text": "但是如果你把獎金單獨算的話,你每個月真正能拿到手的,其實大概是38萬左右。", "tokens": [50815, 11189, 45669, 16075, 29057, 236, 19117, 24227, 163, 18304, 19497, 21358, 11, 2166, 23664, 3338, 6939, 6303, 15789, 8225, 24351, 4511, 11389, 1546, 11, 14139, 32044, 1541, 12625, 14099, 29457, 1543, 51115], "temperature": 0, "avg_logprob": -0.060962609570435804, "compression_ratio": 1.2599118942731278, "no_speech_prob": 2.3603154153395423e-11}, {"id": 17, "seek": 9900, "start": 114.0, "end": 119.0, "text": "還有一個很多人會忽略的點,那就是配偶者扣除。", "tokens": [51115, 15569, 8990, 20778, 4035, 6236, 4263, 121, 6904, 98, 1546, 8216, 11, 4184, 5620, 38846, 7437, 114, 12444, 3416, 96, 32999, 1543, 51365], "temperature": 0, "avg_logprob": -0.060962609570435804, "compression_ratio": 1.2599118942731278, "no_speech_prob": 2.3603154153395423e-11}, {"id": 18, "seek": 11900, "start": 119.0, "end": 127.0, "text": "配偶者扣除簡單說就是,如果你結婚了,有配偶,而且配偶年收入比較低,是可以減稅的。", "tokens": [50365, 38846, 7437, 114, 12444, 3416, 96, 32999, 31995, 4622, 5620, 11, 45669, 17144, 26112, 248, 2289, 11, 2412, 38846, 7437, 114, 11, 22942, 38846, 7437, 114, 5157, 18681, 14028, 25174, 41377, 11, 1541, 6723, 9592, 249, 10415, 227, 1546, 1543, 50765], "temperature": 0, "avg_logprob": -0.06482381347223376, "compression_ratio": 1.3636363636363635, "no_speech_prob": 1.7029112495126064e-11}, {"id": 19, "seek": 11900, "start": 127.0, "end": 137.0, "text": "舉個例子,比如你月收入50萬,你的另一半年收入100萬左右,那你的全年到手大概是470萬,每個月大概是39萬。", "tokens": [50765, 42828, 3338, 17797, 7626, 11, 36757, 2166, 6939, 18681, 14028, 2803, 14099, 11, 18961, 22762, 2257, 30018, 5157, 18681, 14028, 6879, 14099, 29457, 11, 4184, 18961, 11319, 5157, 4511, 11389, 32044, 1541, 19, 5867, 14099, 11, 23664, 3338, 6939, 32044, 1541, 12493, 14099, 1543, 51265], "temperature": 0, "avg_logprob": -0.06482381347223376, "compression_ratio": 1.3636363636363635, "no_speech_prob": 1.7029112495126064e-11}, {"id": 20, "seek": 11900, "start": 137.0, "end": 141.0, "text": "也就是說,婚姻結構其實也會影響你到手的錢。", "tokens": [51265, 6404, 26222, 11, 26112, 248, 7795, 119, 17144, 43362, 14139, 6404, 6236, 16820, 13665, 123, 2166, 4511, 11389, 1546, 29483, 1543, 51465], "temperature": 0, "avg_logprob": -0.06482381347223376, "compression_ratio": 1.3636363636363635, "no_speech_prob": 1.7029112495126064e-11}, {"id": 21, "seek": 11900, "start": 141.0, "end": 147.0, "text": "那接下來我們來看一個大家都很關心的問題,月收入50萬,到底算不算高呢?", "tokens": [51465, 4184, 40012, 5884, 3763, 4200, 8990, 46525, 4563, 14899, 7945, 1546, 17197, 11, 6939, 18681, 14028, 2803, 14099, 11, 33883, 19497, 1960, 19497, 12979, 6240, 30, 51765], "temperature": 0, "avg_logprob": -0.06482381347223376, "compression_ratio": 1.3636363636363635, "no_speech_prob": 1.7029112495126064e-11}, {"id": 22, "seek": 14700, "start": 147.0, "end": 153.0, "text": "根據日本國税廳最新的數據,日本人的平均月收入是38.2萬。", "tokens": [50365, 31337, 36841, 27311, 8053, 10415, 236, 17527, 111, 8661, 12560, 1546, 30622, 36841, 11, 27311, 4035, 1546, 16716, 14872, 229, 6939, 18681, 14028, 1541, 12625, 13, 17, 14099, 1543, 50665], "temperature": 0, "avg_logprob": -0.07107342355619602, "compression_ratio": 1.3091603053435115, "no_speech_prob": 1.6482580925125667e-11}, {"id": 23, "seek": 14700, "start": 153.0, "end": 157.0, "text": "所以很明顯,50萬是高於平均水平的。", "tokens": [50665, 7239, 4563, 11100, 46605, 11, 2803, 14099, 1541, 12979, 19488, 16716, 14872, 229, 15590, 16716, 1546, 1543, 50865], "temperature": 0, "avg_logprob": -0.07107342355619602, "compression_ratio": 1.3091603053435115, "no_speech_prob": 1.6482580925125667e-11}, {"id": 24, "seek": 14700, "start": 157.0, "end": 165.0, "text": "如果按年齡來看的話呢,大概是45到49歲左右的政社員的平均水平,大概是49.8萬。", "tokens": [50865, 13119, 26613, 5157, 44628, 94, 3763, 4200, 21358, 6240, 11, 32044, 1541, 8465, 4511, 14938, 26256, 29457, 1546, 18523, 27658, 20992, 1546, 16716, 14872, 229, 15590, 16716, 11, 32044, 1541, 14938, 13, 23, 14099, 1543, 51265], "temperature": 0, "avg_logprob": -0.07107342355619602, "compression_ratio": 1.3091603053435115, "no_speech_prob": 1.6482580925125667e-11}, {"id": 25, "seek": 14700, "start": 165.0, "end": 172.0, "text": "也就是說,如果你現在是30多歲,就可以拿50萬的工資,其實已經是超過大多數人的水平了。", "tokens": [51265, 6404, 26222, 11, 45669, 12648, 1541, 3446, 6392, 26256, 11, 36781, 24351, 2803, 14099, 1546, 23323, 35380, 11, 14139, 25338, 1541, 19869, 8816, 3582, 6392, 30622, 4035, 1546, 15590, 16716, 2289, 1543, 51615], "temperature": 0, "avg_logprob": -0.07107342355619602, "compression_ratio": 1.3091603053435115, "no_speech_prob": 1.6482580925125667e-11}, {"id": 26, "seek": 17200, "start": 172.0, "end": 178.0, "text": "再看男性,男性的平均月收入是46.9萬,50萬也是高於平均的。", "tokens": [50365, 8623, 4200, 25243, 21686, 11, 25243, 21686, 1546, 16716, 14872, 229, 6939, 18681, 14028, 1541, 16169, 13, 24, 14099, 11, 2803, 14099, 22021, 12979, 19488, 16716, 14872, 229, 1546, 1543, 50665], "temperature": 0, "avg_logprob": -0.10132503509521484, "compression_ratio": 1.079268292682927, "no_speech_prob": 2.173989807618959e-11}, {"id": 27, "seek": 17200, "start": 178.0, "end": 187.0, "text": "舉提到年齡的話,比30到39歲人群的平均45.8萬還要高,和40代前半50.2萬差不多。", "tokens": [50665, 42828, 20949, 4511, 5157, 44628, 94, 21358, 11, 11706, 3446, 4511, 12493, 26256, 4035, 7248, 97, 1546, 16716, 14872, 229, 8465, 13, 23, 14099, 7824, 4275, 12979, 11, 12565, 5254, 19105, 8945, 30018, 2803, 13, 17, 14099, 37876, 1543, 51115], "temperature": 0, "avg_logprob": -0.10132503509521484, "compression_ratio": 1.079268292682927, "no_speech_prob": 2.173989807618959e-11}, {"id": 28, "seek": 18700, "start": 187.0, "end": 193.0, "text": "那女性這邊就更明顯了,女性平均月收入只有25.2萬。", "tokens": [50365, 4184, 17015, 21686, 22821, 3111, 19002, 11100, 46605, 2289, 11, 17015, 21686, 16716, 14872, 229, 6939, 18681, 14028, 35244, 6074, 13, 17, 14099, 1543, 50665], "temperature": 0, "avg_logprob": -0.0604402224222819, "compression_ratio": 1.2011173184357542, "no_speech_prob": 2.2412741801369762e-11}, {"id": 29, "seek": 18700, "start": 193.0, "end": 197.0, "text": "50萬是遠遠高於女性所有年齡段的平均水平的。", "tokens": [50665, 2803, 14099, 1541, 34489, 34489, 12979, 19488, 17015, 21686, 39300, 5157, 44628, 94, 28427, 1546, 16716, 14872, 229, 15590, 16716, 1546, 1543, 50865], "temperature": 0, "avg_logprob": -0.0604402224222819, "compression_ratio": 1.2011173184357542, "no_speech_prob": 2.2412741801369762e-11}, {"id": 30, "seek": 18700, "start": 197.0, "end": 200.0, "text": "從20代到50代都可以超過。", "tokens": [50865, 21068, 2009, 19105, 4511, 2803, 19105, 7182, 6723, 19869, 8816, 1543, 51015], "temperature": 0, "avg_logprob": -0.0604402224222819, "compression_ratio": 1.2011173184357542, "no_speech_prob": 2.2412741801369762e-11}, {"id": 31, "seek": 18700, "start": 200.0, "end": 204.0, "text": "所以從數據來看,月收入50萬確實不低。", "tokens": [51015, 7239, 21068, 30622, 36841, 3763, 4200, 11, 6939, 18681, 14028, 2803, 14099, 24293, 10376, 1960, 41377, 1543, 51215], "temperature": 0, "avg_logprob": -0.0604402224222819, "compression_ratio": 1.2011173184357542, "no_speech_prob": 2.2412741801369762e-11}, {"id": 32, "seek": 20400, "start": 204.0, "end": 209.0, "text": "那重點來了,約收入50萬在日本能過什麼樣的生活呢?", "tokens": [50365, 4184, 12624, 8216, 25364, 11, 30889, 18681, 14028, 2803, 14099, 3581, 27311, 8225, 8816, 7598, 6180, 1546, 49958, 6240, 30, 50615], "temperature": 0, "avg_logprob": -0.10904014471805457, "compression_ratio": 1.2893081761006289, "no_speech_prob": 2.5382649107563715e-11}, {"id": 33, "seek": 20400, "start": 209.0, "end": 214.0, "text": "這個真的差別非常大,完全取決於你有沒有房租,有沒有家庭。", "tokens": [50615, 6287, 8034, 21679, 16158, 14392, 3582, 11, 37100, 29436, 33540, 19488, 2166, 28350, 38242, 8204, 253, 11, 28350, 5155, 6346, 255, 1543, 50865], "temperature": 0, "avg_logprob": -0.10904014471805457, "compression_ratio": 1.2893081761006289, "no_speech_prob": 2.5382649107563715e-11}, {"id": 34, "seek": 20400, "start": 214.0, "end": 220.0, "text": "今天我們分幾個很現實的情況,你可以對號入座,看一看自己更接近哪一種。", "tokens": [50865, 12074, 5884, 6627, 23575, 3338, 4563, 9581, 10376, 1546, 39391, 11, 42766, 2855, 18616, 14028, 6346, 100, 11, 4200, 2257, 4200, 17645, 19002, 14468, 17463, 17028, 2257, 16516, 1543, 51165], "temperature": 0, "avg_logprob": -0.10904014471805457, "compression_ratio": 1.2893081761006289, "no_speech_prob": 2.5382649107563715e-11}, {"id": 35, "seek": 20400, "start": 220.0, "end": 223.0, "text": "第一種是單身,家住在父母家。", "tokens": [51165, 18049, 16516, 1541, 24227, 19847, 11, 5155, 21632, 3581, 34131, 35744, 5155, 1543, 51315], "temperature": 0, "avg_logprob": -0.10904014471805457, "compression_ratio": 1.2893081761006289, "no_speech_prob": 2.5382649107563715e-11}, {"id": 36, "seek": 20400, "start": 223.0, "end": 232.0, "text": "這種情況其實是最輕鬆的,因為你基本沒有房租,水電這些支出,一個月消費可能10萬左右就夠了。", "tokens": [51315, 33005, 39391, 14139, 1541, 8661, 34801, 32506, 228, 1546, 11, 11471, 2166, 37946, 6963, 38242, 8204, 253, 11, 15590, 20545, 29869, 24400, 7781, 11, 8990, 6939, 28837, 50071, 16657, 3279, 14099, 29457, 3111, 31649, 2289, 1543, 51765], "temperature": 0, "avg_logprob": -0.10904014471805457, "compression_ratio": 1.2893081761006289, "no_speech_prob": 2.5382649107563715e-11}, {"id": 37, "seek": 23200, "start": 232.0, "end": 239.0, "text": "你可以平時想吃什麼就吃什麼,週末還可以出去逛街、旅遊,其實都不會有太多的壓力。", "tokens": [50365, 42766, 16716, 6611, 7093, 10123, 7598, 3111, 10123, 7598, 11, 38003, 1474, 104, 7824, 6723, 48973, 2215, 249, 42529, 1231, 4479, 227, 31878, 11, 14139, 7182, 21121, 2412, 9455, 6392, 1546, 45964, 13486, 1543, 50715], "temperature": 0, "avg_logprob": -0.06893591142036545, "compression_ratio": 1.2789968652037618, "no_speech_prob": 2.155211079046815e-11}, {"id": 38, "seek": 23200, "start": 239.0, "end": 244.0, "text": "你到手39萬,就算給家裡幾萬生活費,你還能剩下很多。", "tokens": [50715, 2166, 4511, 11389, 12493, 14099, 11, 3111, 19497, 17798, 5155, 11066, 23575, 14099, 49958, 50071, 11, 2166, 7824, 8225, 5935, 102, 4438, 20778, 1543, 50965], "temperature": 0, "avg_logprob": -0.06893591142036545, "compression_ratio": 1.2789968652037618, "no_speech_prob": 2.155211079046815e-11}, {"id": 39, "seek": 23200, "start": 244.0, "end": 249.0, "text": "這些錢你可以拿著去消費、旅遊,也可以存錢、投資。", "tokens": [50965, 29869, 29483, 42766, 24351, 19382, 6734, 28837, 50071, 1231, 4479, 227, 31878, 11, 47935, 39781, 29483, 1231, 37094, 35380, 1543, 51215], "temperature": 0, "avg_logprob": -0.06893591142036545, "compression_ratio": 1.2789968652037618, "no_speech_prob": 2.155211079046815e-11}, {"id": 40, "seek": 23200, "start": 249.0, "end": 254.0, "text": "第二種是,單身自己租房子住,那開銷就明顯的上來了。", "tokens": [51215, 19693, 16516, 1541, 11, 24227, 19847, 17645, 8204, 253, 38242, 7626, 21632, 11, 4184, 8949, 42041, 115, 3111, 11100, 46605, 1546, 5708, 25364, 1543, 51465], "temperature": 0, "avg_logprob": -0.06893591142036545, "compression_ratio": 1.2789968652037618, "no_speech_prob": 2.155211079046815e-11}, {"id": 41, "seek": 23200, "start": 254.0, "end": 260.0, "text": "房租、吃飯、外食頻率都會影響支出,大概一個月要花25萬左右。", "tokens": [51465, 38242, 8204, 253, 1231, 10123, 45229, 1231, 12022, 25155, 29940, 44866, 7182, 6236, 16820, 13665, 123, 24400, 7781, 11, 32044, 8990, 6939, 4275, 20127, 6074, 14099, 29457, 1543, 51765], "temperature": 0, "avg_logprob": -0.06893591142036545, "compression_ratio": 1.2789968652037618, "no_speech_prob": 2.155211079046815e-11}, {"id": 42, "seek": 26000, "start": 260.0, "end": 265.0, "text": "你能租一個不錯的房子,但外食買東西這些就要稍微注意一下了。", "tokens": [50365, 2166, 8225, 8204, 253, 8990, 30967, 1546, 38242, 7626, 11, 8395, 12022, 25155, 31001, 26978, 29869, 3111, 4275, 10415, 235, 39152, 40794, 8861, 2289, 1543, 50615], "temperature": 0, "avg_logprob": -0.09556867230323053, "compression_ratio": 1.288659793814433, "no_speech_prob": 2.754950781391763e-11}, {"id": 43, "seek": 26000, "start": 265.0, "end": 271.0, "text": "到手39萬,還能剩14萬左右。這個狀態其實已經算比較舒服了。", "tokens": [50615, 4511, 11389, 12493, 14099, 11, 7824, 8225, 5935, 102, 7271, 14099, 29457, 1543, 6287, 18637, 222, 45248, 14139, 25338, 19497, 25174, 46204, 27408, 2289, 1543, 50915], "temperature": 0, "avg_logprob": -0.09556867230323053, "compression_ratio": 1.288659793814433, "no_speech_prob": 2.754950781391763e-11}, {"id": 44, "seek": 26000, "start": 271.0, "end": 278.0, "text": "第三種,結婚兩個人生活,開銷會再增加一點。每個月生活費大概需要28萬。", "tokens": [50915, 35878, 16516, 11, 17144, 26112, 248, 34623, 4035, 49958, 11, 8949, 42041, 115, 6236, 8623, 24228, 252, 9990, 19202, 1543, 23664, 3338, 6939, 49958, 50071, 32044, 35748, 11205, 14099, 1543, 51265], "temperature": 0, "avg_logprob": -0.09556867230323053, "compression_ratio": 1.288659793814433, "no_speech_prob": 2.754950781391763e-11}, {"id": 45, "seek": 26000, "start": 278.0, "end": 285.0, "text": "那你還能剩11萬左右。不需要特別節省也可以過得不錯。日常生活是比較穩定的狀態。", "tokens": [51265, 4184, 2166, 7824, 8225, 5935, 102, 5348, 14099, 29457, 1543, 1960, 35748, 38446, 27694, 2862, 223, 47935, 8816, 5916, 30967, 1543, 6890, 11279, 49958, 1541, 25174, 13740, 102, 12088, 1546, 18637, 222, 45248, 1543, 51615], "temperature": 0, "avg_logprob": -0.09556867230323053, "compression_ratio": 1.288659793814433, "no_speech_prob": 2.754950781391763e-11}, {"id": 46, "seek": 28500, "start": 285.0, "end": 294.0, "text": "第四種是,有一個孩子的家庭。這個差別就很明顯了。房租、教育費、生活費都會增加。", "tokens": [50365, 7536, 19425, 16516, 1541, 11, 2412, 8990, 48989, 1546, 5155, 6346, 255, 1543, 6287, 21679, 16158, 3111, 4563, 11100, 46605, 2289, 1543, 38242, 8204, 253, 1231, 21936, 14356, 110, 50071, 1231, 49958, 50071, 7182, 6236, 24228, 252, 9990, 1543, 50815], "temperature": 0, "avg_logprob": -0.06561888480673031, "compression_ratio": 1.2330508474576272, "no_speech_prob": 2.2654805115207566e-11}, {"id": 47, "seek": 28500, "start": 294.0, "end": 300.0, "text": "一個月生活費大概需要36萬。到手39萬的話,只能剩3萬左右。", "tokens": [50815, 8990, 6939, 49958, 50071, 32044, 35748, 11309, 14099, 1543, 4511, 11389, 12493, 14099, 21358, 11, 14003, 8225, 5935, 102, 18, 14099, 29457, 1543, 51115], "temperature": 0, "avg_logprob": -0.06561888480673031, "compression_ratio": 1.2330508474576272, "no_speech_prob": 2.2654805115207566e-11}, {"id": 48, "seek": 28500, "start": 300.0, "end": 306.0, "text": "很多人在這個階段其實會有一種感覺,錢是夠用的,但基本每個月都是月光。", "tokens": [51115, 20778, 4035, 3581, 6287, 10673, 236, 28427, 14139, 6236, 32241, 16516, 31742, 11, 29483, 1541, 31649, 9254, 1546, 11, 8395, 37946, 23664, 3338, 6939, 22796, 6939, 20690, 1543, 51415], "temperature": 0, "avg_logprob": -0.06561888480673031, "compression_ratio": 1.2330508474576272, "no_speech_prob": 2.2654805115207566e-11}, {"id": 49, "seek": 30600, "start": 306.0, "end": 313.0, "text": "那我們再來看一些更具體的現實問題。都是大家在日本生活一定會遇到的。", "tokens": [50365, 4184, 5884, 35961, 4200, 38515, 19002, 39806, 23987, 1546, 9581, 10376, 17197, 1543, 22796, 6868, 3581, 27311, 49958, 24272, 6236, 3330, 229, 4511, 1546, 1543, 50715], "temperature": 0, "avg_logprob": -0.11169693205091688, "compression_ratio": 1.2765957446808511, "no_speech_prob": 2.428915922558783e-11}, {"id": 50, "seek": 30600, "start": 313.0, "end": 322.0, "text": "比如說月收入50萬,到底能不能存下錢。如果你是住在父母家,基本沒有什麼開銷,那你一個月可以存將近二三十萬。", "tokens": [50715, 36757, 4622, 6939, 18681, 14028, 2803, 14099, 11, 33883, 8225, 28590, 39781, 4438, 29483, 1543, 13119, 32526, 21632, 3581, 34131, 35744, 5155, 11, 37946, 6963, 7598, 8949, 42041, 115, 11, 4184, 2166, 8990, 6939, 6723, 39781, 34168, 17463, 11217, 10960, 20145, 14099, 1543, 51165], "temperature": 0, "avg_logprob": -0.11169693205091688, "compression_ratio": 1.2765957446808511, "no_speech_prob": 2.428915922558783e-11}, {"id": 51, "seek": 30600, "start": 322.0, "end": 329.0, "text": "但如果你結婚或者有孩子了,基本大部分錢都會用在生活上。存錢難度會明顯的上升。", "tokens": [51165, 8395, 45669, 17144, 26112, 248, 31148, 2412, 48989, 2289, 11, 37946, 3582, 32174, 29483, 7182, 6236, 9254, 3581, 49958, 5708, 1543, 39781, 29483, 21192, 13127, 6236, 11100, 46605, 1546, 5708, 41670, 1543, 51515], "temperature": 0, "avg_logprob": -0.11169693205091688, "compression_ratio": 1.2765957446808511, "no_speech_prob": 2.428915922558783e-11}, {"id": 52, "seek": 32900, "start": 329.0, "end": 337.0, "text": "再比如這個收入能租到什麼樣的房子呢?一般日本中介會建議,房租控制在到手的三分之一。", "tokens": [50365, 8623, 36757, 6287, 18681, 14028, 8225, 8204, 253, 4511, 7598, 6180, 1546, 38242, 7626, 6240, 30, 2257, 49640, 27311, 5975, 30312, 6236, 34157, 24686, 11, 38242, 8204, 253, 48707, 25491, 3581, 4511, 11389, 1546, 10960, 6627, 9574, 2257, 1543, 50765], "temperature": 0, "avg_logprob": -0.07839985551505253, "compression_ratio": 1.207373271889401, "no_speech_prob": 2.3255413220124588e-11}, {"id": 53, "seek": 32900, "start": 337.0, "end": 348.0, "text": "到手39萬的話,大概12萬到13萬的房子。如果公司有房補或者設宅,那你的壓力會小很多。這個一定要好好利用。", "tokens": [50765, 4511, 11389, 12493, 14099, 21358, 11, 32044, 4762, 14099, 4511, 7668, 14099, 1546, 38242, 7626, 1543, 13119, 13545, 32981, 2412, 38242, 8083, 250, 31148, 39035, 2415, 227, 11, 4184, 18961, 45964, 13486, 6236, 7322, 20778, 1543, 6287, 48161, 30164, 23700, 9254, 1543, 51315], "temperature": 0, "avg_logprob": -0.07839985551505253, "compression_ratio": 1.207373271889401, "no_speech_prob": 2.3255413220124588e-11}, {"id": 54, "seek": 34800, "start": 348.0, "end": 356.0, "text": "那能不能結婚呢?答案是可以,而且壓力不大。兩個人生活,就算不刻意節約,也能過得不錯。", "tokens": [50365, 4184, 8225, 28590, 17144, 26112, 248, 6240, 30, 28223, 28899, 1541, 6723, 11, 22942, 45964, 13486, 1960, 3582, 1543, 34623, 4035, 49958, 11, 3111, 19497, 1960, 45500, 9042, 27694, 30889, 11, 6404, 8225, 8816, 5916, 30967, 1543, 50765], "temperature": 0, "avg_logprob": -0.08620913823445638, "compression_ratio": 1.3141891891891893, "no_speech_prob": 2.196259840658854e-11}, {"id": 55, "seek": 34800, "start": 356.0, "end": 366.0, "text": "但如果你未來要孩子,要養老,要投資,還是建議提前做規劃。特別是有孩子的家庭。如果有兩個孩子以上的,那壓力就更大了。", "tokens": [50765, 8395, 45669, 29954, 3763, 4275, 48989, 11, 4275, 22217, 232, 10439, 11, 4275, 37094, 35380, 11, 25583, 34157, 24686, 20949, 8945, 10907, 2888, 237, 5087, 225, 1543, 38446, 1541, 2412, 48989, 1546, 5155, 6346, 255, 1543, 13119, 2412, 34623, 48989, 29497, 1546, 11, 4184, 45964, 13486, 3111, 19002, 3582, 2289, 1543, 51265], "temperature": 0, "avg_logprob": -0.08620913823445638, "compression_ratio": 1.3141891891891893, "no_speech_prob": 2.196259840658854e-11}, {"id": 56, "seek": 34800, "start": 366.0, "end": 373.0, "text": "尤其是教育費。日本的私立學校和公立差別非常大。還有各個地區補貼也不一樣。", "tokens": [51265, 1530, 97, 9572, 1541, 21936, 14356, 110, 50071, 1543, 27311, 1546, 20083, 24409, 21372, 49684, 12565, 13545, 24409, 21679, 16158, 14392, 3582, 1543, 15569, 17516, 3338, 10928, 44526, 8083, 250, 11561, 120, 6404, 1960, 22977, 1543, 51615], "temperature": 0, "avg_logprob": -0.08620913823445638, "compression_ratio": 1.3141891891891893, "no_speech_prob": 2.196259840658854e-11}, {"id": 57, "seek": 37300, "start": 373.0, "end": 386.0, "text": "那如果你想買車,其實也是可以的。一般建議是,車價控制在年收入的一半。你年收入600萬的話,大概可以買300萬左右的新車,或者高級一點的二手車。", "tokens": [50365, 4184, 13119, 38386, 31001, 25941, 11, 14139, 22021, 6723, 1546, 1543, 2257, 49640, 34157, 24686, 1541, 11, 25941, 45441, 48707, 25491, 3581, 5157, 18681, 14028, 1546, 2257, 30018, 1543, 2166, 5157, 18681, 14028, 15707, 14099, 21358, 11, 32044, 6723, 31001, 12566, 14099, 29457, 1546, 12560, 25941, 11, 31148, 12979, 35315, 19202, 1546, 11217, 11389, 25941, 1543, 51015], "temperature": 0, "avg_logprob": -0.09208008692814754, "compression_ratio": 1.4186851211072664, "no_speech_prob": 1.8940425616786882e-11}, {"id": 58, "seek": 37300, "start": 386.0, "end": 402.0, "text": "最後我們把稅這一塊再講清楚一點。約收入50萬的話,所得稅大概是1.7萬。住民稅大概是2.6萬。很多人會誤以為,年收入600萬就會直接按20%交稅。其實完全不是這樣的。", "tokens": [51015, 20578, 5884, 16075, 10415, 227, 32260, 26268, 8623, 11932, 38433, 19202, 1543, 30889, 18681, 14028, 2803, 14099, 21358, 11, 5966, 5916, 10415, 227, 32044, 1541, 16, 13, 22, 14099, 1543, 21632, 16113, 10415, 227, 32044, 1541, 17, 13, 21, 14099, 1543, 20778, 4035, 6236, 3549, 97, 3588, 6344, 11, 5157, 18681, 14028, 15707, 14099, 47778, 43297, 26613, 2009, 4, 28455, 10415, 227, 1543, 14139, 37100, 7296, 39425, 1543, 51815], "temperature": 0, "avg_logprob": -0.09208008692814754, "compression_ratio": 1.4186851211072664, "no_speech_prob": 1.8940425616786882e-11}, {"id": 59, "seek": 40200, "start": 402.0, "end": 417.0, "text": "日本的所得稅是累進課稅,是分段計算的。比如說195萬以內,稅率是5%,195萬到330萬的部分,稅率就是10%了。收入越高,稅率越高。", "tokens": [50365, 27311, 1546, 5966, 5916, 10415, 227, 1541, 43656, 18214, 3549, 110, 10415, 227, 11, 1541, 6627, 28427, 30114, 19497, 1546, 1543, 36757, 4622, 3405, 20, 14099, 3588, 28472, 11, 10415, 227, 44866, 1541, 20, 8923, 3405, 20, 14099, 4511, 18, 3446, 14099, 1546, 32174, 11, 10415, 227, 44866, 5620, 3279, 4, 2289, 1543, 18681, 14028, 25761, 12979, 11, 10415, 227, 44866, 25761, 12979, 1543, 51115], "temperature": 0, "avg_logprob": -0.09856598663330078, "compression_ratio": 1.348936170212766, "no_speech_prob": 1.9521584002091252e-11}, {"id": 60, "seek": 40200, "start": 417.0, "end": 427.0, "text": "不過重點是,稅是按照課稅所得金額計算的,不是你的年收入金額。也就是說收入,減掉社保,健康保險這些之後的金額。", "tokens": [51115, 28193, 12624, 8216, 1541, 11, 10415, 227, 1541, 26613, 32150, 3549, 110, 10415, 227, 5966, 5916, 19117, 10178, 235, 30114, 19497, 1546, 11, 7296, 18961, 5157, 18681, 14028, 19117, 10178, 235, 1543, 6404, 26222, 18681, 14028, 11, 9592, 249, 29327, 27658, 24302, 11, 44201, 6346, 115, 24302, 49753, 29869, 26362, 1546, 19117, 10178, 235, 1543, 51615], "temperature": 0, "avg_logprob": -0.09856598663330078, "compression_ratio": 1.348936170212766, "no_speech_prob": 1.9521584002091252e-11}, {"id": 61, "seek": 42700, "start": 427.0, "end": 442.0, "text": "中民稅就比較簡單,也是減掉各種扣除之後再算,大概是課稅所得的10%。如果你想快速知道,你現在的額面工資大概到手是多少?可以參照這個,額面和到手的對照表。", "tokens": [50365, 5975, 16113, 10415, 227, 3111, 25174, 31995, 11, 22021, 9592, 249, 29327, 17516, 16516, 3416, 96, 32999, 26362, 8623, 19497, 11, 32044, 1541, 3549, 110, 10415, 227, 5966, 5916, 1546, 3279, 4, 1543, 13119, 38386, 10251, 31217, 7758, 11, 2166, 12648, 1546, 10178, 235, 8833, 23323, 35380, 32044, 4511, 11389, 1541, 41492, 30, 6723, 47375, 32150, 6287, 11, 10178, 235, 8833, 12565, 4511, 11389, 1546, 2855, 32150, 17571, 1543, 51115], "temperature": 0, "avg_logprob": -0.11790472840609616, "compression_ratio": 1.1099476439790577, "no_speech_prob": 2.0076298262727832e-11}, {"id": 62, "seek": 44200, "start": 442.0, "end": 447.0, "text": "還有這個反過來的表,你也可以用到手去推算你的稅前收入。", "tokens": [50365, 15569, 6287, 22138, 49950, 1546, 17571, 11, 2166, 47935, 9254, 4511, 11389, 6734, 33597, 19497, 18961, 10415, 227, 8945, 18681, 14028, 1543, 50615], "temperature": 0, "avg_logprob": -0.10773600064791165, "compression_ratio": 0.8777777777777778, "no_speech_prob": 1.924878138825914e-11}, {"id": 63, "seek": 44700, "start": 447.0, "end": 451.0, "text": "那今天這一期視頻,其實我想幫你搞清楚一件事。", "tokens": [50365, 4184, 12074, 32260, 16786, 27333, 29940, 11, 14139, 25246, 32187, 2166, 41816, 38433, 2257, 20485, 6973, 1543, 50565], "temperature": 0, "avg_logprob": -0.0852124599310068, "compression_ratio": 1.3209876543209877, "no_speech_prob": 2.0796050645421893e-11}, {"id": 64, "seek": 44700, "start": 451.0, "end": 457.0, "text": "約收入50萬,這個收入確實不低,但它也絕對沒有你想像中那麼輕鬆。", "tokens": [50565, 30889, 18681, 14028, 2803, 14099, 11, 6287, 18681, 14028, 24293, 10376, 1960, 41377, 11, 8395, 11284, 6404, 6948, 243, 2855, 6963, 38386, 12760, 5975, 20504, 34801, 32506, 228, 1543, 50865], "temperature": 0, "avg_logprob": -0.0852124599310068, "compression_ratio": 1.3209876543209877, "no_speech_prob": 2.0796050645421893e-11}, {"id": 65, "seek": 44700, "start": 457.0, "end": 462.0, "text": "你生活有沒有壓力,其實不取決於你賺多少,而是取決於你的生活結構。", "tokens": [50865, 2166, 49958, 28350, 45964, 13486, 11, 14139, 1960, 29436, 33540, 19488, 2166, 13352, 118, 41492, 11, 11070, 1541, 29436, 33540, 19488, 18961, 49958, 17144, 43362, 1543, 51115], "temperature": 0, "avg_logprob": -0.0852124599310068, "compression_ratio": 1.3209876543209877, "no_speech_prob": 2.0796050645421893e-11}, {"id": 66, "seek": 44700, "start": 462.0, "end": 468.0, "text": "有沒有房租,有沒有孩子,這些才是決定你生活質量的關鍵。", "tokens": [51115, 28350, 38242, 8204, 253, 11, 28350, 48989, 11, 29869, 18888, 1541, 33540, 12088, 2166, 49958, 43450, 26748, 1546, 14899, 41668, 113, 1543, 51415], "temperature": 0, "avg_logprob": -0.0852124599310068, "compression_ratio": 1.3209876543209877, "no_speech_prob": 2.0796050645421893e-11}, {"id": 67, "seek": 46800, "start": 468.0, "end": 479.0, "text": "如果你現在正在以月收入50萬為目標,那更真實的認知是,收入決定的是上限,但你過得好不好,其實取決於你怎麼用這筆錢。", "tokens": [50365, 45669, 12648, 15789, 3581, 3588, 6939, 18681, 14028, 2803, 14099, 6344, 11386, 46299, 11, 4184, 19002, 6303, 10376, 1546, 22041, 6498, 1541, 11, 18681, 14028, 33540, 12088, 24620, 5708, 43446, 11, 8395, 2166, 8816, 5916, 34291, 11, 14139, 29436, 33540, 19488, 2166, 11614, 9254, 2664, 7973, 228, 29483, 1543, 50915], "temperature": 0, "avg_logprob": -0.06764279522942108, "compression_ratio": 1.250996015936255, "no_speech_prob": 2.0364904207426093e-11}, {"id": 68, "seek": 46800, "start": 479.0, "end": 483.0, "text": "很多在日本生活的人其實都卡在這個收入區間裡。", "tokens": [50915, 20778, 3581, 27311, 49958, 29979, 14139, 7182, 32681, 3581, 6287, 18681, 14028, 44526, 11016, 11066, 1543, 51115], "temperature": 0, "avg_logprob": -0.06764279522942108, "compression_ratio": 1.250996015936255, "no_speech_prob": 2.0364904207426093e-11}, {"id": 69, "seek": 46800, "start": 483.0, "end": 489.0, "text": "如果你把這個邏輯想清楚了,後面無論你賺多少,你都會更有掌控感。", "tokens": [51115, 45669, 16075, 6287, 3023, 237, 12290, 107, 7093, 38433, 2289, 11, 5661, 8833, 16976, 29340, 2166, 13352, 118, 41492, 11, 2166, 7182, 6236, 19002, 2412, 6900, 234, 48707, 9709, 1543, 51415], "temperature": 0, "avg_logprob": -0.06764279522942108, "compression_ratio": 1.250996015936255, "no_speech_prob": 2.0364904207426093e-11}, {"id": 70, "seek": 48900, "start": 489.0, "end": 493.0, "text": "如果你對不同收入在日本到底能過什麼樣的生活感興趣。", "tokens": [50365, 45669, 2855, 47123, 18681, 14028, 3581, 27311, 33883, 8225, 8816, 7598, 6180, 1546, 49958, 9709, 44089, 39835, 1543, 50565], "temperature": 0, "avg_logprob": -0.10559251478740148, "compression_ratio": 1.25, "no_speech_prob": 2.3069537599673673e-11}, {"id": 71, "seek": 48900, "start": 493.0, "end": 498.0, "text": "我其實前面已經做過20萬,30萬,40萬的完整系列了。", "tokens": [50565, 1654, 14139, 8945, 8833, 25338, 10907, 8816, 2009, 14099, 11, 3446, 14099, 11, 5254, 14099, 1546, 14128, 27662, 25368, 43338, 2289, 1543, 50815], "temperature": 0, "avg_logprob": -0.10559251478740148, "compression_ratio": 1.25, "no_speech_prob": 2.3069537599673673e-11}, {"id": 72, "seek": 48900, "start": 498.0, "end": 501.0, "text": "你可以對照著,比著看一下,會更有感覺。", "tokens": [50815, 42766, 2855, 32150, 19382, 11, 11706, 19382, 28324, 11, 6236, 19002, 2412, 31742, 1543, 50965], "temperature": 0, "avg_logprob": -0.10559251478740148, "compression_ratio": 1.25, "no_speech_prob": 2.3069537599673673e-11}, {"id": 73, "seek": 48900, "start": 501.0, "end": 508.0, "text": "你也可以在評論區告訴我,你現在大概在哪個收入階段,或者你最關心哪一塊支出呢?", "tokens": [50965, 2166, 47935, 3581, 39115, 29340, 44526, 31080, 1654, 11, 2166, 12648, 32044, 3581, 17028, 3338, 18681, 14028, 10673, 236, 28427, 11, 31148, 2166, 8661, 14899, 7945, 17028, 2257, 26268, 24400, 7781, 6240, 30, 51315], "temperature": 0, "avg_logprob": -0.10559251478740148, "compression_ratio": 1.25, "no_speech_prob": 2.3069537599673673e-11}, {"id": 74, "seek": 48900, "start": 508.0, "end": 511.0, "text": "我可以幫你一起分析。那我們下期再見。", "tokens": [51315, 1654, 6723, 32187, 2166, 29567, 6627, 7360, 238, 1543, 46714, 4438, 16786, 30177, 1543, 51465], "temperature": 0, "avg_logprob": -0.10559251478740148, "compression_ratio": 1.25, "no_speech_prob": 2.3069537599673673e-11}], "language": "zh"}