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      "id": 12,
      "start": 19.1,
      "end": 21.5,
      "text": "若你曾經想過日本已經變窮了吧",
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      "timing_uncertain": false
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      "id": 13,
      "start": 21.5,
      "end": 22.233,
      "text": "那這集",
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      "timing_uncertain": false
    },
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      "id": 14,
      "start": 22.233,
      "end": 24.7,
      "text": "權威數據將徹底顛覆你的世界觀",
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      "timing_uncertain": false
    },
    {
      "id": 15,
      "start": 24.7,
      "end": 27.566,
      "text": "甚至很多長住日本的人都不知道這個真相",
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      "timing_uncertain": false
    },
    {
      "id": 16,
      "start": 27.866,
      "end": 30.633,
      "text": "大家一定想不到日本老百姓的真實財富",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 17,
      "start": 30.633,
      "end": 32.333,
      "text": "到底藏得有多深",
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      "timing_uncertain": false
    },
    {
      "id": 18,
      "start": 32.533,
      "end": 34.366,
      "text": "今天我們就來超級比一比",
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      "timing_uncertain": false
    },
    {
      "id": 19,
      "start": 34.366,
      "end": 35.866,
      "text": "在美國 日本 台灣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 20,
      "start": 35.866,
      "end": 36.9,
      "text": "作為一個普通人",
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      "timing_uncertain": false
    },
    {
      "id": 21,
      "start": 36.9,
      "end": 38.0,
      "text": "哪裡最好賺錢？",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 22,
      "start": 38.0,
      "end": 39.466,
      "text": "誰的生活最安穩？",
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      "timing_uncertain": false
    },
    {
      "id": 23,
      "start": 39.566,
      "end": 41.533,
      "text": "還有在全球財富金字塔",
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      "timing_uncertain": false
    },
    {
      "id": 24,
      "start": 41.533,
      "end": 43.0,
      "text": "你踩在哪一階？",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 25,
      "start": 43.2,
      "end": 44.0,
      "text": "更重要的是",
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      "timing_uncertain": false
    },
    {
      "id": 26,
      "start": 44.0,
      "end": 45.8,
      "text": "大通膨大貶值的時代",
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      "timing_uncertain": false
    },
    {
      "id": 27,
      "start": 45.8,
      "end": 47.6,
      "text": "普通人應該如何配置資產",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 28,
      "start": 47.6,
      "end": 50.3,
      "text": "才能保護辛苦賺來的血汗錢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 29,
      "start": 50.3,
      "end": 51.4,
      "text": "準備好一杯咖啡",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 30,
      "start": 51.4,
      "end": 52.966,
      "text": "這將是資訊量極大的",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 31,
      "start": 52.966,
      "end": 54.766,
      "text": "財富認知升級之旅",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 32,
      "start": 55.0,
      "end": 55.966,
      "text": "避免未來找不到",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 33,
      "start": 55.966,
      "end": 57.866,
      "text": "歡迎先按讚收藏起來喔",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 34,
      "start": 60.7,
      "end": 62.166,
      "text": "我做財務模型出身",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 35,
      "start": 62.166,
      "end": 64.3,
      "text": "當然知道講錢不能憑感覺",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 36,
      "start": 64.666,
      "end": 67.166,
      "text": "瑞銀公佈的2026世界財富報告",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 37,
      "start": 67.166,
      "end": 68.7,
      "text": "數據模型由我的前東家",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 38,
      "start": 68.7,
      "end": 71.5,
      "text": "四大會計師事務所之一PwC瑞士團隊操刀",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 39,
      "start": 71.5,
      "end": 74.033,
      "text": "結合各國央行 國家統計局 聯合國",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 40,
      "start": 74.033,
      "end": 77.166,
      "text": "IMF OECD 世界銀行等數據交叉推算",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 41,
      "start": 77.366,
      "end": 80.0,
      "text": "直接掃描全球56個主要國家和市場",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 42,
      "start": 80.0,
      "end": 83.0,
      "text": "涵蓋地球上92%以上的財富",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 43,
      "start": 83.0,
      "end": 85.7,
      "text": "全世界的錢幾乎都在這裡了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 44,
      "start": 85.7,
      "end": 87.466,
      "text": "但在我們正式解讀前",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 45,
      "start": 87.466,
      "end": 89.766,
      "text": "必須先搞懂這份報告的遊戲規則",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 46,
      "start": 90.2,
      "end": 91.833,
      "text": "報告採用了一個核心概念",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 47,
      "start": 91.833,
      "end": 93.066,
      "text": "個人淨資產 (net worth)",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 48,
      "start": 93.266,
      "end": 94.0,
      "text": "簡單來說",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 49,
      "start": 94.0,
      "end": 95.966,
      "text": "如果今天家當全部賣了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 50,
      "start": 95.966,
      "end": 96.566,
      "text": "還完債",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 51,
      "start": 96.566,
      "end": 98.133,
      "text": "口袋裡還剩多少錢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 52,
      "start": 98.433,
      "end": 99.666,
      "text": "家當就是房子",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 53,
      "start": 99.666,
      "end": 100.733,
      "text": "包括自用住宅",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 54,
      "start": 100.733,
      "end": 101.933,
      "text": "戶頭裡的現金存款",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 55,
      "start": 101.933,
      "end": 102.566,
      "text": "股票基金",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 56,
      "start": 102.566,
      "end": 104.3,
      "text": "再加上自己存的退休金",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 57,
      "start": 104.3,
      "end": 105.266,
      "text": "全部加起來",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 58,
      "start": 105.266,
      "end": 107.7,
      "text": "再無情扣掉房貸和負債",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 59,
      "start": 108.033,
      "end": 109.566,
      "text": "這邊各國政府留的年金",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 60,
      "start": 109.566,
      "end": 111.4,
      "text": "還有我們頻道高素質的觀眾",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 61,
      "start": 111.4,
      "end": 113.3,
      "text": "大家的個人工作能力的價值",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 62,
      "start": 113.3,
      "end": 114.9,
      "text": "通通不列入計算",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 63,
      "start": 115.2,
      "end": 116.9,
      "text": "最後以年底為基準",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 64,
      "start": 116.9,
      "end": 118.133,
      "text": "統一換成美金",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 65,
      "start": 118.133,
      "end": 119.333,
      "text": "全球大亂鬥",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 66,
      "start": 120.1,
      "end": 122.666,
      "text": "你知道你的財富在世界上排在哪裡嗎",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 67,
      "start": 123.0,
      "end": 125.8,
      "text": "當然我知道網路上人人年收300萬起步",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 68,
      "start": 125.8,
      "end": 127.5,
      "text": "滿街都是鍵盤富豪",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 69,
      "start": 127.633,
      "end": 128.666,
      "text": "但現實世界是",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 70,
      "start": 128.666,
      "end": 132.133,
      "text": "全球有超過四成的人淨資產不到1萬美元",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 71,
      "start": 132.3,
      "end": 134.3,
      "text": "在這之上有超過四成的人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 72,
      "start": 134.3,
      "end": 136.766,
      "text": "淨資產在1萬到10萬美元之間",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 73,
      "start": 137.1,
      "end": 138.366,
      "text": "這兩個類別加起來",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 74,
      "start": 138.366,
      "end": 140.5,
      "text": "也就是說全球有超過83%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 75,
      "start": 140.5,
      "end": 142.666,
      "text": "的人資產不到10萬美元",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 76,
      "start": 142.9,
      "end": 145.2,
      "text": "所以只要大家淨資產在300多萬台幣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 77,
      "start": 145.2,
      "end": 148.066,
      "text": "在全世界排名已經是前16%了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 78,
      "start": 148.2,
      "end": 149.2,
      "text": "再上去一階",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 79,
      "start": 149.2,
      "end": 151.333,
      "text": "淨資產超過100萬美金的",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 80,
      "start": 151.333,
      "end": 152.766,
      "text": "全球只有1.5%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 81,
      "start": 153.133,
      "end": 154.166,
      "text": "這是什麼概念呢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 82,
      "start": 154.166,
      "end": 156.533,
      "text": "根據台北市地政處7月發布的報告",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 83,
      "start": 156.533,
      "end": 158.7,
      "text": "去年台北市住宅平均交易總價",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 84,
      "start": 158.7,
      "end": 160.733,
      "text": "是2,953萬台幣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 85,
      "start": 160.833,
      "end": 163.733,
      "text": "也就是說在台北市有一間繳完房貸的房子",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 86,
      "start": 163.733,
      "end": 167.4,
      "text": "恭喜 差不多就是全球前1.5%了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 87,
      "start": 167.6,
      "end": 168.533,
      "text": "但不是我",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 88,
      "start": 168.533,
      "end": 170.933,
      "text": "我才剛開始辛苦繳房貸而已",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 89,
      "start": 171.3,
      "end": 173.466,
      "text": "再來我們來看大家常在媒體上看到的",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 90,
      "start": 173.466,
      "end": 175.5,
      "text": "國家平均淨資產的排名",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 91,
      "start": 175.766,
      "end": 178.7,
      "text": "美國每個成年人平均是69.6萬美元",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 92,
      "start": 178.7,
      "end": 180.133,
      "text": "排名全球第二",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 93,
      "start": 180.366,
      "end": 182.933,
      "text": "台灣是33.3萬美元排第16",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 94,
      "start": 182.933,
      "end": 185.366,
      "text": "日本是21.2萬排第24",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 95,
      "start": 185.633,
      "end": 186.366,
      "text": "這樣看來",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 96,
      "start": 186.366,
      "end": 187.466,
      "text": "日本真的不行了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 97,
      "start": 187.466,
      "end": 189.7,
      "text": "平均淨資產遠遠落後美國3倍多",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 98,
      "start": 189.7,
      "end": 191.666,
      "text": "甚至還被台灣超過",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 99,
      "start": 192.066,
      "end": 192.766,
      "text": "Ben桑",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 100,
      "start": 192.766,
      "end": 194.566,
      "text": "你標題是不是騙我",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 101,
      "start": 194.733,
      "end": 195.766,
      "text": "大家先別急",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 102,
      "start": 195.766,
      "end": 197.533,
      "text": "先構建一個知識背景",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 103,
      "start": 197.933,
      "end": 199.333,
      "text": "大家有沒有曾經感覺過",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 104,
      "start": 199.333,
      "end": 200.666,
      "text": "新聞上報的經濟成長",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 105,
      "start": 200.666,
      "end": 203.566,
      "text": "跟我們帳戶裡的錢好像沒有連結上",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 106,
      "start": 203.633,
      "end": 205.733,
      "text": "因為媒體最愛用的平均數",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 107,
      "start": 205.733,
      "end": 208.533,
      "text": "其實是人為製造的財富幻覺",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 108,
      "start": 208.733,
      "end": 209.533,
      "text": "我來舉個例子",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 109,
      "start": 209.533,
      "end": 210.866,
      "text": "大家馬上就能懂",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 110,
      "start": 210.866,
      "end": 213.533,
      "text": "今天我跟其他9個朋友在居酒屋喝酒",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 111,
      "start": 213.533,
      "end": 215.533,
      "text": "我們的存款都是100萬台幣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 112,
      "start": 215.866,
      "end": 219.166,
      "text": "這個時候身價6兆台幣的輝達執行長黃仁勳",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 113,
      "start": 219.166,
      "end": 220.7,
      "text": "突然推開門走了進來",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 114,
      "start": 220.7,
      "end": 222.266,
      "text": "坐下來點了一杯酒",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 115,
      "start": 222.533,
      "end": 225.533,
      "text": "請問這間居酒屋11個客人的平均身價",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 116,
      "start": 225.533,
      "end": 226.933,
      "text": "變成多少了呢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 117,
      "start": 227.266,
      "end": 227.933,
      "text": "沒錯",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 118,
      "start": 227.933,
      "end": 230.6,
      "text": "瞬間變成了5,500億台幣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 119,
      "start": 231.066,
      "end": 232.166,
      "text": "真多謝 真多謝",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 120,
      "start": 232.166,
      "end": 233.166,
      "text": "但問題來了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 121,
      "start": 233.166,
      "end": 235.766,
      "text": "Ben桑的帳戶裡有多出一塊錢嗎",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 122,
      "start": 236.033,
      "end": 236.933,
      "text": "沒嘛",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 123,
      "start": 236.933,
      "end": 239.466,
      "text": "這就是我們引用平均數要注意的地方",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 124,
      "start": 239.8,
      "end": 241.9,
      "text": "所以要看清楚一個國家最真實",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 125,
      "start": 241.9,
      "end": 244.333,
      "text": "對我們一般人最有意義的財富真相",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 126,
      "start": 244.333,
      "end": 245.6,
      "text": "絕不能只看平均",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 127,
      "start": 245.6,
      "end": 247.333,
      "text": "而是應該要看中位數",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 128,
      "start": 247.733,
      "end": 248.8,
      "text": "什麼是中位數",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 129,
      "start": 248.8,
      "end": 250.666,
      "text": "中位數就是把所有成年人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 130,
      "start": 250.666,
      "end": 253.166,
      "text": "按照財產從高到低排排站",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 131,
      "start": 253.2,
      "end": 255.3,
      "text": "站在最中間的那個人的財富",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 132,
      "start": 255.666,
      "end": 257.8,
      "text": "以剛剛居酒屋11個客人的例子",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 133,
      "start": 257.8,
      "end": 258.733,
      "text": "11個人排排站",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 134,
      "start": 258.733,
      "end": 260.266,
      "text": "當然黃仁勳站在最前面",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 135,
      "start": 260.266,
      "end": 262.466,
      "text": "但中位數其實就是100萬",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 136,
      "start": 262.7,
      "end": 265.666,
      "text": "所以中位數才是一個社會最真實的寫照",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 137,
      "start": 265.666,
      "end": 267.933,
      "text": "也最貼近我們一般人的生活",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 138,
      "start": 268.433,
      "end": 271.2,
      "text": "接下來我們就按照美國 日本 台灣的順序",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 139,
      "start": 271.2,
      "end": 272.2,
      "text": "深度解析",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 140,
      "start": 275.333,
      "end": 277.366,
      "text": "世界最強大的國家 美國",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 141,
      "start": 277.366,
      "end": 279.1,
      "text": "這應該大家沒有異議吧",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 142,
      "start": 279.333,
      "end": 282.733,
      "text": "剛剛說到美國平均淨資產 高達69.6萬美元 (約新台幣2,200萬)",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 143,
      "start": 282.733,
      "end": 284.1,
      "text": "高居全球第二",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 144,
      "start": 284.333,
      "end": 285.2,
      "text": "第一名是誰",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 145,
      "start": 285.2,
      "end": 285.933,
      "text": "是瑞士",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 146,
      "start": 285.933,
      "end": 287.533,
      "text": "但瑞士人口900多萬",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 147,
      "start": 287.533,
      "end": 289.266,
      "text": "美國是3.4億人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 148,
      "start": 289.266,
      "end": 290.8,
      "text": "完全不在同一個量級",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 149,
      "start": 291.233,
      "end": 294.866,
      "text": "美國百萬 (美元) 富翁的人數超過2,360萬人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 150,
      "start": 294.866,
      "end": 296.3,
      "text": "數量全球第一",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 151,
      "start": 296.5,
      "end": 299.7,
      "text": "全球百萬富翁的人數在5,750萬人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 152,
      "start": 299.7,
      "end": 302.2,
      "text": "算起來超過四成的百萬富翁都在美國",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 153,
      "start": 302.666,
      "end": 303.9,
      "text": "以人口結構來說",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 154,
      "start": 303.9,
      "end": 306.166,
      "text": "美國成年人大概是2.7億人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 155,
      "start": 306.166,
      "end": 307.666,
      "text": "所以接近每10個人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 156,
      "start": 307.666,
      "end": 309.3,
      "text": "就有一個百萬富翁",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 157,
      "start": 309.833,
      "end": 311.3,
      "text": "哇 那這樣看起來",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 158,
      "start": 311.3,
      "end": 312.133,
      "text": "美國還真的是",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 159,
      "start": 312.133,
      "end": 314.366,
      "text": "流著奶與蜜的應許之地 對吧",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 160,
      "start": 314.666,
      "end": 316.366,
      "text": "事情絕對沒那麼簡單",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 161,
      "start": 316.8,
      "end": 318.666,
      "text": "當我們揭開美國的中位數",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 162,
      "start": 318.666,
      "end": 320.666,
      "text": "竟然瞬間縮水1/10",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 163,
      "start": 320.666,
      "end": 322.0,
      "text": "只有6.9萬美元 (約台幣220萬)",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 164,
      "start": 322.0,
      "end": 324.1,
      "text": "直接掉到全球第28名",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 165,
      "start": 324.433,
      "end": 327.666,
      "text": "而且美國的財富吉尼係數高達0.77",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 166,
      "start": 327.666,
      "end": 328.866,
      "text": "表示分配不均",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 167,
      "start": 328.866,
      "end": 329.733,
      "text": "極度嚴重",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 168,
      "start": 330.133,
      "end": 331.133,
      "text": "幫大家複習一下",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 169,
      "start": 331.133,
      "end": 333.166,
      "text": "吉尼係數是衡量貧富差距的指標",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 170,
      "start": 333.166,
      "end": 334.933,
      "text": "數值介在0-1之間",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 171,
      "start": 335.033,
      "end": 336.733,
      "text": "0代表大家一樣有錢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 172,
      "start": 336.733,
      "end": 339.066,
      "text": "1代表錢都在同一個人手裡",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 173,
      "start": 339.333,
      "end": 340.266,
      "text": "這代表什麼",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 174,
      "start": 340.266,
      "end": 342.866,
      "text": "表示美國是一個贏家通吃的社會",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 175,
      "start": 343.1,
      "end": 343.866,
      "text": "更可怕的是",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 176,
      "start": 343.866,
      "end": 344.866,
      "text": "當我們進一步看",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 177,
      "start": 344.866,
      "end": 346.933,
      "text": "2020年到2025年這5年間",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 178,
      "start": 346.933,
      "end": 349.066,
      "text": "用當地貨幣扣掉通膨影響",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 179,
      "start": 349.066,
      "end": 351.3,
      "text": "算出財富實質成長率",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 180,
      "start": 351.566,
      "end": 353.7,
      "text": "美國的財富平均數 (深褐色) 成長了10%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 181,
      "start": 353.7,
      "end": 356.166,
      "text": "但中位數 (淺褐色) 竟然下降了20%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 182,
      "start": 356.6,
      "end": 358.1,
      "text": "我們再深挖數據結構",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 183,
      "start": 358.1,
      "end": 359.366,
      "text": "發現美國人的資產中",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 184,
      "start": 359.366,
      "end": 361.866,
      "text": "高達79%是金融資產",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 185,
      "start": 362.166,
      "end": 364.9,
      "text": "大家都知道美股這幾年漲爆了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 186,
      "start": 364.9,
      "end": 366.933,
      "text": "受惠於美國強勁的金融市場驅動",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 187,
      "start": 366.933,
      "end": 368.533,
      "text": "特別是AI科技股狂飆",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 188,
      "start": 368.533,
      "end": 370.1,
      "text": "美國財富金字塔的頂端",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 189,
      "start": 370.1,
      "end": 371.866,
      "text": "像火箭一樣噴發",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 190,
      "start": 372.133,
      "end": 373.366,
      "text": "所以很誠懇地評論",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 191,
      "start": 373.366,
      "end": 374.7,
      "text": "畢竟我也是留美的",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 192,
      "start": 374.7,
      "end": 378.0,
      "text": "真的 如果是科技精英 高階經理人 創業家",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 193,
      "start": 378.0,
      "end": 381.4,
      "text": "美國絕對是能提供最豐厚回報的天堂",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 194,
      "start": 381.766,
      "end": 383.2,
      "text": "American Dream",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 195,
      "start": 383.2,
      "end": 386.566,
      "text": "但對人數超過一半的普通基層和藍領呢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 196,
      "start": 386.566,
      "end": 387.7,
      "text": "數據告訴我們",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 197,
      "start": 387.7,
      "end": 389.866,
      "text": "廣大的美國基層可能根本沒能力",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 198,
      "start": 389.866,
      "end": 391.533,
      "text": "參與到財富增長",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 199,
      "start": 391.933,
      "end": 394.5,
      "text": "淨資產中位數只有平均的1/10",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 200,
      "start": 394.5,
      "end": 397.533,
      "text": "體現的是基層在生活一杯一杯的情況下",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 201,
      "start": 397.533,
      "end": 400.8,
      "text": "根本就沒有多餘的閒錢投入金融市場",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 202,
      "start": 400.8,
      "end": 402.066,
      "text": "更真實的體感是",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 203,
      "start": 402.066,
      "end": 404.1,
      "text": "眼睜睜看著通膨吃掉薪資",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 204,
      "start": 404.1,
      "end": 407.133,
      "text": "承受著巨大的生活壓力和相對剝奪感",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 205,
      "start": 407.366,
      "end": 409.333,
      "text": "美國夢依然光鮮亮麗",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 206,
      "start": 409.333,
      "end": 410.666,
      "text": "但在鎂光燈的邊緣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 207,
      "start": 410.666,
      "end": 414.5,
      "text": "卻站著無數擠不上時代列車的廣大基層",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 208,
      "start": 414.5,
      "end": 417.666,
      "text": "他們的身影或許在喧囂中顯得模糊",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 209,
      "start": 417.666,
      "end": 419.933,
      "text": "但他們真實的汗水跟悲喜",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 210,
      "start": 419.933,
      "end": 422.366,
      "text": "同樣撐起了美國社會的繁華",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 211,
      "start": 425.2,
      "end": 426.366,
      "text": "看完美國的例子",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 212,
      "start": 426.366,
      "end": 428.066,
      "text": "經濟成長的果實難道注定",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 213,
      "start": 428.066,
      "end": 430.1,
      "text": "只能由金字塔頂端的人吞噬",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 214,
      "start": 430.366,
      "end": 431.666,
      "text": "有沒有另外一種可能",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 215,
      "start": 431.8,
      "end": 433.6,
      "text": "這答案不在華爾街的輝煌",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 216,
      "start": 433.6,
      "end": 436.166,
      "text": "而是在長達30年被世人看衰",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 217,
      "start": 436.166,
      "end": 439.0,
      "text": "連自己人都無情吐槽的失敗案例",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 218,
      "start": 439.366,
      "end": 441.666,
      "text": "讓我們撕開失落30年的標籤",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 219,
      "start": 441.733,
      "end": 442.733,
      "text": "走進日本",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 220,
      "start": 443.1,
      "end": 443.966,
      "text": "如前面說的",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 221,
      "start": 443.966,
      "end": 446.5,
      "text": "日本平均淨資產是21.2萬美元",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 222,
      "start": 446.5,
      "end": 448.166,
      "text": "排名全球第24",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 223,
      "start": 448.4,
      "end": 450.6,
      "text": "跟美國將近70萬美元比起來",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 224,
      "start": 450.6,
      "end": 452.0,
      "text": "確實差了3倍以上",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 225,
      "start": 452.0,
      "end": 453.666,
      "text": "甚至還輸給我們台灣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 226,
      "start": 454.0,
      "end": 456.4,
      "text": "當然大家都知道數據背後的宏觀因素",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 227,
      "start": 456.4,
      "end": 457.733,
      "text": "就是匯率波動",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 228,
      "start": 458.133,
      "end": 461.033,
      "text": "還記得當年我在PwC做財務模型的時候",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 229,
      "start": 461.033,
      "end": 464.066,
      "text": "美金對日幣的匯率預設都是死豬價",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 230,
      "start": 464.066,
      "end": 465.1,
      "text": "100日圓",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 231,
      "start": 465.1,
      "end": 467.866,
      "text": "但這陣子一度跌破160日圓",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 232,
      "start": 468.2,
      "end": 471.266,
      "text": "2022年初全球面臨嚴重的通貨膨脹",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 233,
      "start": 471.3,
      "end": 472.333,
      "text": "美國聯準會啟動了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 234,
      "start": 472.333,
      "end": 474.9,
      "text": "激進的升息循環來抑制物價",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 235,
      "start": 474.9,
      "end": 477.1,
      "text": "但日本央行為了刺激國內經濟",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 236,
      "start": 477.1,
      "end": 479.566,
      "text": "依然堅持超寬鬆貨幣政策",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 237,
      "start": 479.8,
      "end": 482.3,
      "text": "當美國的銀行存款利息越來越高",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 238,
      "start": 482.3,
      "end": 484.366,
      "text": "但日本的利息依舊躺平",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 239,
      "start": 484.366,
      "end": 486.533,
      "text": "全球資金便大量從日圓撤出",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 240,
      "start": 486.533,
      "end": 487.766,
      "text": "轉入美元套利",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 241,
      "start": 487.866,
      "end": 489.933,
      "text": "這種美日利差不斷擴大",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 242,
      "start": 489.933,
      "end": 491.966,
      "text": "是日圓狂跌的主要推手",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 243,
      "start": 492.3,
      "end": 494.7,
      "text": "日本長期維持寬鬆貨幣政策",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 244,
      "start": 494.7,
      "end": 496.066,
      "text": "導致日圓大幅貶值",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 245,
      "start": 496.066,
      "end": 498.733,
      "text": "不僅稀釋了日本家庭以美元計價的資產",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 246,
      "start": 498.733,
      "end": 500.933,
      "text": "也讓日本在面對全球通膨時",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 247,
      "start": 500.933,
      "end": 502.7,
      "text": "實質購買力受到擠壓",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 248,
      "start": 503.033,
      "end": 505.066,
      "text": "這故事媒體是這樣告訴我們",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 249,
      "start": 505.066,
      "end": 506.333,
      "text": "許多住在日本的台灣人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 250,
      "start": 506.333,
      "end": 508.3,
      "text": "也是這樣在社群媒體上說",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 251,
      "start": 508.3,
      "end": 510.466,
      "text": "甚至許多日本人也跟著喊聲",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 252,
      "start": 510.633,
      "end": 511.966,
      "text": "他們說的都對",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 253,
      "start": 511.966,
      "end": 513.366,
      "text": "但稍等一下",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 254,
      "start": 513.533,
      "end": 515.9,
      "text": "當我們深挖日本淨資產的中位數",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 255,
      "start": 515.9,
      "end": 518.366,
      "text": "竟然高達13.6萬美元",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 256,
      "start": 518.6,
      "end": 519.5,
      "text": "大家可能會說",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 257,
      "start": 519.5,
      "end": 522.733,
      "text": "Ben桑 不就是台幣430萬 哪裡高",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 258,
      "start": 522.866,
      "end": 524.3,
      "text": "還記得前面講的嗎",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 259,
      "start": 524.333,
      "end": 525.733,
      "text": "日本淨資產的中位數",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 260,
      "start": 525.733,
      "end": 527.666,
      "text": "比起美國足足高了兩倍",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 261,
      "start": 527.666,
      "end": 529.366,
      "text": "直上全球第10",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 262,
      "start": 529.666,
      "end": 530.866,
      "text": "再加碼一個分析",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 263,
      "start": 530.866,
      "end": 533.4,
      "text": "全球資產中位數前30名裡面",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 264,
      "start": 533.4,
      "end": 534.933,
      "text": "人口超過1億的大國",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 265,
      "start": 534.933,
      "end": 536.7,
      "text": "只有日本和美國",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 266,
      "start": 536.933,
      "end": 538.466,
      "text": "這就是大家經常忽略的",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 267,
      "start": 538.466,
      "end": 540.566,
      "text": "日本最可怕的隱形護城河",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 268,
      "start": 540.566,
      "end": 541.866,
      "text": "藏富於民",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 269,
      "start": 542.033,
      "end": 543.866,
      "text": "我們一樣來算日本淨資產",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 270,
      "start": 543.866,
      "end": 545.6,
      "text": "平均數跟中位數的倍率",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 271,
      "start": 545.6,
      "end": 547.666,
      "text": "日本是極低的1.56倍",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 272,
      "start": 547.933,
      "end": 550.1,
      "text": "剛剛我們說美國是10倍以上",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 273,
      "start": 550.5,
      "end": 552.1,
      "text": "同樣深挖日本的吉尼係數",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 274,
      "start": 552.1,
      "end": 553.2,
      "text": "日本是0.53",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 275,
      "start": 553.2,
      "end": 555.733,
      "text": "是全球最平等的幾個國家之一",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 276,
      "start": 555.933,
      "end": 557.0,
      "text": "這代表什麼",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 277,
      "start": 557.0,
      "end": 558.666,
      "text": "在日本財富不像美國",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 278,
      "start": 558.666,
      "end": 561.2,
      "text": "集中在少數金字塔頂端的手裡",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 279,
      "start": 561.2,
      "end": 563.1,
      "text": "日本國家穩穩地托住了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 280,
      "start": 563.1,
      "end": 564.5,
      "text": "廣大的中產階級",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 281,
      "start": 564.8,
      "end": 567.666,
      "text": "而日本資產中位數超過13萬美元",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 282,
      "start": 567.666,
      "end": 568.733,
      "text": "這是什麼概念",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 283,
      "start": 569.1,
      "end": 569.8,
      "text": "攤開數據",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 284,
      "start": 569.8,
      "end": 570.6,
      "text": "事實就是",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 285,
      "start": 570.6,
      "end": 572.7,
      "text": "即使這幾年日圓貶成這樣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 286,
      "start": 572.7,
      "end": 574.5,
      "text": "日本還有超過一半的成年人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 287,
      "start": 574.5,
      "end": 577.4,
      "text": "達到了全球前16%的財富水準",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 288,
      "start": 577.9,
      "end": 579.166,
      "text": "而且更可怕的是",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 289,
      "start": 579.166,
      "end": 580.133,
      "text": "大家可能會以為",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 290,
      "start": 580.133,
      "end": 581.666,
      "text": "日本只是在吃老本",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 291,
      "start": 581.666,
      "end": 582.866,
      "text": "以前的基期高啦",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 292,
      "start": 583.066,
      "end": 584.8,
      "text": "No 瑞銀這份報告",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 293,
      "start": 584.8,
      "end": 587.366,
      "text": "揭露了一個讓人起雞皮疙瘩的真相",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 294,
      "start": 587.6,
      "end": 590.5,
      "text": "可能很多住在日本的外國人都沒有發現",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 295,
      "start": 590.833,
      "end": 592.733,
      "text": "如果排除美元匯率干擾",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 296,
      "start": 592.733,
      "end": 594.633,
      "text": "日本成年人的淨資產中位數",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 297,
      "start": 594.633,
      "end": 597.1,
      "text": "這5年暴漲了超過50%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 298,
      "start": 597.3,
      "end": 600.333,
      "text": "而且這個數據還是扣除通貨膨脹的影響",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 299,
      "start": 600.7,
      "end": 602.866,
      "text": "成長了50%以上",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 300,
      "start": 602.866,
      "end": 604.966,
      "text": "中位數成長率世界第一",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 301,
      "start": 605.266,
      "end": 605.966,
      "text": "也就是說",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 302,
      "start": 605.966,
      "end": 608.133,
      "text": "當全世界都以為日本在衰退",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 303,
      "start": 608.133,
      "end": 610.133,
      "text": "包括大家平常在社群媒體上",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 304,
      "start": 610.133,
      "end": 612.766,
      "text": "看到部分怨聲載道的在日外國人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 305,
      "start": 612.866,
      "end": 614.3,
      "text": "但數字不會說謊",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 306,
      "start": 614.3,
      "end": 615.7,
      "text": "日本中產階級的口袋",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 307,
      "start": 615.7,
      "end": 617.933,
      "text": "財富就是實實在在的增長",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 308,
      "start": 618.1,
      "end": 620.933,
      "text": "全球淨資產中位數的成長冠軍",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 309,
      "start": 621.466,
      "end": 622.566,
      "text": "這就是我們前面說的",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 310,
      "start": 622.566,
      "end": 625.566,
      "text": "媒體報的總體經濟跟實際感受到的財富",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 311,
      "start": 625.566,
      "end": 627.333,
      "text": "往往是兩個平行世界",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 312,
      "start": 627.733,
      "end": 629.7,
      "text": "日本這種穩定的內部實體資產",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 313,
      "start": 629.7,
      "end": 632.2,
      "text": "為社會底層提供了強大的緩衝",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 314,
      "start": 632.5,
      "end": 633.166,
      "text": "簡單地說",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 315,
      "start": 633.166,
      "end": 634.9,
      "text": "日本社會的樓地板很高",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 316,
      "start": 634.9,
      "end": 636.366,
      "text": "生活基準線很高",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 317,
      "start": 636.5,
      "end": 637.166,
      "text": "也就是說",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 318,
      "start": 637.166,
      "end": 638.966,
      "text": "即使只是一個普通的受薪階級",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 319,
      "start": 638.966,
      "end": 641.033,
      "text": "也能享受極高的社會安定感",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 320,
      "start": 641.033,
      "end": 644.033,
      "text": "優良的基礎建設和可預期的生活品質",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 321,
      "start": 644.333,
      "end": 647.133,
      "text": "而且日本社會文化並不鼓勵極端炫富",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 322,
      "start": 647.366,
      "end": 649.066,
      "text": "公司高層跟社員",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 323,
      "start": 649.066,
      "end": 650.9,
      "text": "可能都是搭電車上下班",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 324,
      "start": 650.9,
      "end": 652.533,
      "text": "可能也都吃公司食堂",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 325,
      "start": 652.966,
      "end": 656.5,
      "text": "當然階級的壓力跟相對剝削感絕不可能沒有",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 326,
      "start": 656.5,
      "end": 658.366,
      "text": "但在全世界範圍內比起來",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 327,
      "start": 658.366,
      "end": 660.6,
      "text": "日本一定是做得最好的前段班",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 328,
      "start": 660.966,
      "end": 662.266,
      "text": "不過我們有一說一",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 329,
      "start": 662.266,
      "end": 663.4,
      "text": "一個社會有亮面",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 330,
      "start": 663.4,
      "end": 664.866,
      "text": "一定就會有暗面",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 331,
      "start": 665.133,
      "end": 667.866,
      "text": "日本的富裕階層確實出現停滯",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 332,
      "start": 667.866,
      "end": 670.366,
      "text": "日本的百萬富豪有290萬人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 333,
      "start": 670.366,
      "end": 672.266,
      "text": "僅次於美國和中國",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 334,
      "start": 672.5,
      "end": 673.733,
      "text": "雖然還是世界第三",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 335,
      "start": 673.733,
      "end": 676.133,
      "text": "但日本富豪的停滯非常明顯",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 336,
      "start": 676.666,
      "end": 678.0,
      "text": "2000年到2025年",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 337,
      "start": 678.0,
      "end": 679.4,
      "text": "日本最層峰的富豪",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 338,
      "start": 679.4,
      "end": 681.333,
      "text": "他們的財富總額都在下降 (年均複合成長率)",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 339,
      "start": 681.633,
      "end": 684.9,
      "text": "500萬到1,000萬美元區間的下降了0.1%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 340,
      "start": 685.233,
      "end": 688.166,
      "text": "1,000萬到5,000萬美元的下降了0.5%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 341,
      "start": 688.666,
      "end": 691.966,
      "text": "5,000萬到1億美元的更是下降了0.9%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 342,
      "start": 692.666,
      "end": 694.533,
      "text": "對比同時期全世界平均",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 343,
      "start": 694.533,
      "end": 697.366,
      "text": "這三個區間大概都成長了8%左右",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 344,
      "start": 697.8,
      "end": 699.8,
      "text": "在美國更是超過了8%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 345,
      "start": 700.0,
      "end": 701.666,
      "text": "中國更是世界第一",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 346,
      "start": 701.666,
      "end": 705.2,
      "text": "成長了23.2% 25.6% 30.9%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 347,
      "start": 705.733,
      "end": 706.566,
      "text": "所以大家放心",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 348,
      "start": 706.566,
      "end": 707.9,
      "text": "日本政府沒錢給我",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 349,
      "start": 707.9,
      "end": 710.566,
      "text": "這個頻道就是很客觀地用數據去分析",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 350,
      "start": 710.566,
      "end": 712.333,
      "text": "完全不需要美化日本",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 351,
      "start": 712.733,
      "end": 713.8,
      "text": "從數據上來看",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 352,
      "start": 713.8,
      "end": 714.833,
      "text": "很坦白地說",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 353,
      "start": 714.833,
      "end": 715.533,
      "text": "抱歉",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 354,
      "start": 715.533,
      "end": 717.566,
      "text": "在日本當富豪非常不幸",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 355,
      "start": 718.0,
      "end": 718.966,
      "text": "過去25年",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 356,
      "start": 718.966,
      "end": 721.266,
      "text": "當其他國家的富豪都越變越有錢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 357,
      "start": 721.266,
      "end": 723.6,
      "text": "日本的富豪資產反而在下降",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 358,
      "start": 723.8,
      "end": 724.9,
      "text": "但也可以這樣看",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 359,
      "start": 724.9,
      "end": 728.233,
      "text": "日本這個國家過去25年財富成長的果實",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 360,
      "start": 728.233,
      "end": 730.1,
      "text": "最頂峰的富豪沒摘到",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 361,
      "start": 730.1,
      "end": 732.7,
      "text": "反而均衡分給大多數的日本人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 362,
      "start": 732.933,
      "end": 735.1,
      "text": "當然這樣的社會是好是壞",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 363,
      "start": 735.1,
      "end": 736.333,
      "text": "就留給大家判斷",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 364,
      "start": 736.366,
      "end": 738.366,
      "text": "也歡迎留言分享您的想法",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 365,
      "start": 738.766,
      "end": 741.666,
      "text": "但日本的均富 安居的社會底氣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 366,
      "start": 741.666,
      "end": 742.8,
      "text": "從數據上來看",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 367,
      "start": 742.8,
      "end": 745.833,
      "text": "或許跟大家印象中的日本依然高度一致",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 368,
      "start": 748.966,
      "end": 750.533,
      "text": "最後來講我們台灣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 369,
      "start": 750.933,
      "end": 753.966,
      "text": "台灣的平均淨資產是33.3萬美金",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 370,
      "start": 753.966,
      "end": 755.466,
      "text": "排名全球第16",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 371,
      "start": 755.466,
      "end": 757.8,
      "text": "中位數淨資產是11.3萬美金",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 372,
      "start": 757.8,
      "end": 759.733,
      "text": "同樣列為全球第16",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 373,
      "start": 760.133,
      "end": 761.2,
      "text": "我們同樣算一下",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 374,
      "start": 761.2,
      "end": 764.333,
      "text": "平均數跟中位數的倍率在2.94倍",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 375,
      "start": 764.666,
      "end": 766.9,
      "text": "雖然不像日本1.56倍這麼低",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 376,
      "start": 766.9,
      "end": 769.1,
      "text": "但比起美國驚人的超過10倍",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 377,
      "start": 769.1,
      "end": 772.1,
      "text": "台灣社會依然處於相對健康的區間",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 378,
      "start": 772.433,
      "end": 773.933,
      "text": "吉尼係數0.59",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 379,
      "start": 773.933,
      "end": 775.766,
      "text": "跟日本的0.53差不多",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 380,
      "start": 775.833,
      "end": 778.2,
      "text": "比起美國的0.77要低了不少",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 381,
      "start": 778.5,
      "end": 780.5,
      "text": "而2020年到2025年",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 382,
      "start": 780.5,
      "end": 782.733,
      "text": "平均財富成長超過25%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 383,
      "start": 782.733,
      "end": 785.166,
      "text": "這個成長的動能應該是高度受惠於",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 384,
      "start": 785.166,
      "end": 787.933,
      "text": "強勁的出口經濟跟科技產業鏈紅利",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 385,
      "start": 788.333,
      "end": 790.3,
      "text": "而中位數超過11萬美元",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 386,
      "start": 790.3,
      "end": 792.066,
      "text": "表示台灣跟日本一樣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 387,
      "start": 792.066,
      "end": 793.633,
      "text": "有超過一半的成人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 388,
      "start": 793.633,
      "end": 796.8,
      "text": "能達到全球前16%的財富水準",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 389,
      "start": 797.133,
      "end": 799.266,
      "text": "先恭喜在台灣的大家",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 390,
      "start": 799.766,
      "end": 800.966,
      "text": "受惠於科技業的紅利",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 391,
      "start": 800.966,
      "end": 802.366,
      "text": "跟穩健的儲蓄習慣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 392,
      "start": 802.366,
      "end": 804.3,
      "text": "台灣的中產階級跟白領世代",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 393,
      "start": 804.3,
      "end": 806.966,
      "text": "確實享有安穩跟高性價比的生活",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 394,
      "start": 807.366,
      "end": 809.7,
      "text": "然而當我們為整體財富增長",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 395,
      "start": 809.7,
      "end": 810.9,
      "text": "感到欣慰的時候",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 396,
      "start": 810.9,
      "end": 814.366,
      "text": "卻不能忽略社會結構中隱隱浮現的警訊",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 397,
      "start": 814.733,
      "end": 815.533,
      "text": "數據顯示",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 398,
      "start": 815.533,
      "end": 816.266,
      "text": "過去5年間",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 399,
      "start": 816.266,
      "end": 819.133,
      "text": "台灣淨資產的中位數只緩步成長了8%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 400,
      "start": 819.133,
      "end": 822.3,
      "text": "但平均數卻大幅躍升了26%",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 401,
      "start": 822.733,
      "end": 824.8,
      "text": "這意味著這波經濟成長的果實",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 402,
      "start": 824.8,
      "end": 827.7,
      "text": "並沒有均勻落入每個台灣人的口袋",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 403,
      "start": 827.9,
      "end": 828.733,
      "text": "換句話說",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 404,
      "start": 828.733,
      "end": 830.966,
      "text": "雖然現在台灣平均數跟中位數的倍率",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 405,
      "start": 830.966,
      "end": 832.133,
      "text": "差不到3倍",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 406,
      "start": 832.133,
      "end": 834.066,
      "text": "社會堅實的基礎還在",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 407,
      "start": 834.266,
      "end": 837.133,
      "text": "但如果不早一點正視並做出調整",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 408,
      "start": 837.133,
      "end": 839.7,
      "text": "未來貧富差距勢必將進一步擴大",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 409,
      "start": 840.0,
      "end": 842.133,
      "text": "如何避免社會走向極端分化",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 410,
      "start": 842.3,
      "end": 844.166,
      "text": "現在就必須拉響警鐘",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 411,
      "start": 847.2,
      "end": 849.566,
      "text": "這份報告對我自己有三點啟示",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 412,
      "start": 850.133,
      "end": 851.466,
      "text": "首先日本人過去5年",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 413,
      "start": 851.466,
      "end": 852.933,
      "text": "淨資產中位數成長力道很強",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 414,
      "start": 852.933,
      "end": 855.766,
      "text": "應該跟日本政府大推NISA高度正相關",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 415,
      "start": 856.1,
      "end": 858.166,
      "text": "以前日本人包括我自己年輕的時候",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 416,
      "start": 858.2,
      "end": 859.966,
      "text": "賺的錢就存在銀行",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 417,
      "start": 860.2,
      "end": 861.133,
      "text": "不過我主要是因為",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 418,
      "start": 861.133,
      "end": 862.7,
      "text": "以前在PwC法規限制",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 419,
      "start": 862.7,
      "end": 864.666,
      "text": "我們不能買賣任何金融商品",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 420,
      "start": 865.066,
      "end": 866.1,
      "text": "銀行又沒有利息",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 421,
      "start": 866.1,
      "end": 867.866,
      "text": "就只能傻傻放著",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 422,
      "start": 868.4,
      "end": 871.166,
      "text": "NISA是日本政府為了鼓勵民眾投資理財",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 423,
      "start": 871.166,
      "end": 872.666,
      "text": "推出買賣股票或基金",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 424,
      "start": 872.666,
      "end": 875.566,
      "text": "獲利完全免稅的專屬投資帳戶",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 425,
      "start": 876.0,
      "end": 878.366,
      "text": "每年投資上限360萬日圓",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 426,
      "start": 878.366,
      "end": 880.466,
      "text": "定期定額每年120萬日圓",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 427,
      "start": 880.466,
      "end": 882.8,
      "text": "成長投資每年240萬日圓",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 428,
      "start": 882.8,
      "end": 884.1,
      "text": "兩者可以並用",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 429,
      "start": 884.433,
      "end": 886.066,
      "text": "透過政府鼓勵的NISA",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 430,
      "start": 886.066,
      "end": 888.966,
      "text": "越來越多日本人開始把錢投入金融理財",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 431,
      "start": 888.966,
      "end": 889.866,
      "text": "擴大資產",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 432,
      "start": 890.266,
      "end": 892.4,
      "text": "大家不要聽到這裡就直覺反應是",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 433,
      "start": 892.4,
      "end": 894.3,
      "text": "台灣政府要學一下日本啊",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 434,
      "start": 894.6,
      "end": 895.3,
      "text": "沒啦沒啦",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 435,
      "start": 895.3,
      "end": 896.366,
      "text": "大家先不要激動",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 436,
      "start": 896.366,
      "end": 898.933,
      "text": "台灣本來證券交易所得稅就是停徵",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 437,
      "start": 898.933,
      "end": 901.066,
      "text": "所以在台灣投資通通是NISA",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 438,
      "start": 901.1,
      "end": 902.0,
      "text": "夠好了吧",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 439,
      "start": 902.333,
      "end": 904.666,
      "text": "第二 從日圓貶值的故事告訴我們",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 440,
      "start": 904.666,
      "end": 907.0,
      "text": "把錢全部壓在單一貨幣資產",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 441,
      "start": 907.0,
      "end": 909.366,
      "text": "資產波動的風險非常高",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 442,
      "start": 909.866,
      "end": 912.3,
      "text": "第三 也是我自己反思最多的",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 443,
      "start": 912.3,
      "end": 914.466,
      "text": "我們常說人比人氣死人",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 444,
      "start": 914.466,
      "end": 916.066,
      "text": "在這個IG 臉書 脆上",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 445,
      "start": 916.066,
      "end": 918.3,
      "text": "隨時都可以看到別人過多好的時代",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 446,
      "start": 918.3,
      "end": 919.8,
      "text": "我們太容易用別人的尺",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 447,
      "start": 919.8,
      "end": 921.533,
      "text": "來衡量自己的生活",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 448,
      "start": 921.733,
      "end": 923.0,
      "text": "但靜下心來想一想",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 449,
      "start": 923.0,
      "end": 924.0,
      "text": "有沒有一種可能是",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 450,
      "start": 924.0,
      "end": 925.5,
      "text": "如果單就絕對金額",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 451,
      "start": 925.5,
      "end": 927.466,
      "text": "其實我們已經過得不差了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 452,
      "start": 927.666,
      "end": 928.766,
      "text": "最近讀到一篇文章",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 453,
      "start": 928.766,
      "end": 930.933,
      "text": "裡面有句話深深打中了我",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 454,
      "start": 931.166,
      "end": 932.4,
      "text": "我們往往沒有意識到",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 455,
      "start": 932.4,
      "end": 934.2,
      "text": "這個時代給我們最大的紅利",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 456,
      "start": 934.2,
      "end": 935.933,
      "text": "其實是好好生活的門檻",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 457,
      "start": 935.933,
      "end": 936.966,
      "text": "並不高",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 458,
      "start": 936.966,
      "end": 938.966,
      "text": "仔細回想還真的是這樣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 459,
      "start": 939.2,
      "end": 941.1,
      "text": "像我自己對名牌包沒興趣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 460,
      "start": 941.1,
      "end": 941.8,
      "text": "不懂名錶",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 461,
      "start": 941.8,
      "end": 943.366,
      "text": "也沒想過要開好車",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 462,
      "start": 943.666,
      "end": 945.466,
      "text": "下班後拐進巷口的滷味攤",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 463,
      "start": 945.466,
      "end": 946.966,
      "text": "或是吃碗熱騰騰的牛肉麵",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 464,
      "start": 946.966,
      "end": 948.266,
      "text": "就非常滿足了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 465,
      "start": 948.266,
      "end": 949.233,
      "text": "頂多就是點麵的時候",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 466,
      "start": 949.233,
      "end": 951.1,
      "text": "能夠再加一顆滷蛋跟一份燙青菜",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 467,
      "start": 951.1,
      "end": 952.033,
      "text": "也不心疼",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 468,
      "start": 952.333,
      "end": 953.1,
      "text": "回想小時候",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 469,
      "start": 953.1,
      "end": 954.233,
      "text": "現在我們擁有的物質條件",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 470,
      "start": 954.233,
      "end": 956.333,
      "text": "早就提升了好多好多",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 471,
      "start": 956.533,
      "end": 957.966,
      "text": "如果放下攀比的濾鏡",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 472,
      "start": 957.966,
      "end": 959.566,
      "text": "把目光收回到自己身上",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 473,
      "start": 959.566,
      "end": 961.466,
      "text": "問問自己到底怎樣的生活",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 474,
      "start": 961.466,
      "end": 963.2,
      "text": "對我們來說已經足夠",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 475,
      "start": 963.633,
      "end": 965.9,
      "text": "堅實地累積資產確實很重要",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 476,
      "start": 965.9,
      "end": 968.333,
      "text": "但學會畫出那條屬於自己的知足線",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 477,
      "start": 968.333,
      "end": 970.866,
      "text": "或許才是我們真正的幸福密碼",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 478,
      "start": 971.4,
      "end": 971.866,
      "text": "聊到最後",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 479,
      "start": 971.866,
      "end": 973.666,
      "text": "我也想把這個問題拋給大家",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 480,
      "start": 974.066,
      "end": 976.6,
      "text": "美國 日本跟台灣各自呈現了",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 481,
      "start": 976.6,
      "end": 979.2,
      "text": "截然不同的財富面貌跟社會底色",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 482,
      "start": 979.466,
      "end": 981.2,
      "text": "這裡面沒有絕對的標準",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 483,
      "start": 981.2,
      "end": 983.3,
      "text": "也沒有非黑即白的好壞",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 484,
      "start": 983.5,
      "end": 985.8,
      "text": "大家覺得如果是追求極致回報的",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 485,
      "start": 985.8,
      "end": 988.133,
      "text": "頂尖精英 創業者跟資本家",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 486,
      "start": 988.133,
      "end": 989.8,
      "text": "哪裡才是真正的天堂",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 487,
      "start": 990.133,
      "end": 991.366,
      "text": "如果是期盼穩定",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 488,
      "start": 991.366,
      "end": 993.533,
      "text": "追求高品質生活的中產階級",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 489,
      "start": 993.6,
      "end": 996.2,
      "text": "哪片土地最能給予踏實的幸福",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 490,
      "start": 996.533,
      "end": 997.933,
      "text": "當我們把目光放低",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 491,
      "start": 997.933,
      "end": 1000.6,
      "text": "又是哪個社會對底層的托底最溫柔",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 492,
      "start": 1000.6,
      "end": 1001.9,
      "text": "最讓人安心",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 493,
      "start": 1002.166,
      "end": 1002.966,
      "text": "在你心中",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 494,
      "start": 1002.966,
      "end": 1004.666,
      "text": "最理想的答案是什麼",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 495,
      "start": 1005.066,
      "end": 1007.733,
      "text": "當然所有的統計資料都是反映過去",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 496,
      "start": 1007.9,
      "end": 1009.666,
      "text": "未來也在不斷變化",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 497,
      "start": 1009.8,
      "end": 1012.133,
      "text": "而台灣在選擇未來道路的時候",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 498,
      "start": 1012.133,
      "end": 1014.666,
      "text": "怎樣的發展方向又是最適合我們的呢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 499,
      "start": 1014.9,
      "end": 1017.566,
      "text": "我們希望未來呈現怎樣的面貌呢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 500,
      "start": 1017.766,
      "end": 1019.333,
      "text": "歡迎大家留言交流",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 501,
      "start": 1019.933,
      "end": 1021.933,
      "text": "長影片製作真的花費很多心血",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 502,
      "start": 1021.966,
      "end": 1022.866,
      "text": "大家看完這集",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 503,
      "start": 1022.866,
      "end": 1024.433,
      "text": "未來再遇到新聞報導",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 504,
      "start": 1024.433,
      "end": 1026.266,
      "text": "或是網路上讀到某個人的觀點",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 505,
      "start": 1026.333,
      "end": 1029.2,
      "text": "是不是又能夠從不同角度去思考了呢",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 506,
      "start": 1029.533,
      "end": 1030.8,
      "text": "別忘了把影片分享給",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 507,
      "start": 1030.8,
      "end": 1031.933,
      "text": "更多對日本感興趣",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 508,
      "start": 1031.933,
      "end": 1033.9,
      "text": "也關心腳下土地的朋友",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 509,
      "start": 1034.266,
      "end": 1034.966,
      "text": "深讀日本",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 510,
      "start": 1034.966,
      "end": 1035.6,
      "text": "品味文化",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 511,
      "start": 1035.6,
      "end": 1036.333,
      "text": "學其所長",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 512,
      "start": 1036.333,
      "end": 1036.966,
      "text": "避其所短",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 513,
      "start": 1036.966,
      "end": 1038.3,
      "text": "讓我們一起用知識的力量",
      "source": "source_caption",
      "timing_uncertain": false
    },
    {
      "id": 514,
      "start": 1038.3,
      "end": 1039.333,
      "text": "改變台灣",
      "source": "source_caption",
      "timing_uncertain": false
    }
  ]
}