有什么事情是你變得更有錢之后才明白的?
What are some things you realized as you got wealthier?譯文簡介
有錢真好。
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What are some things you realized as you got wealthier?
有什么事情是你變得更有錢之后才明白的?
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That the best thing money gives me is freedom to make choices.
金錢賜予我最好的東西就是選擇的自由。
Especially bad ones - which are far funner.
尤其是選擇那些壞的選項(xiàng)的自由——那可有趣多了。
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I'm smart with my money so I can afford to do stupid things with it.
我對自己的錢很精打細(xì)算,所以我擔(dān)負(fù)得起用這筆錢做蠢事。
【可卡因進(jìn)入了群聊】
Freedom is always the most important thing.
自由永遠(yuǎn)是最為重要的東西。
You can actually do the whole 'it takes money to make money' thing.
你真的可以做到用錢生錢。
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For a long time I had no idea on how this worked. Now four years after opening my first brokerage account, I have learned so much!
很長時間以來我都根本不明白這是怎么做到的。在我注冊了第一個經(jīng)紀(jì)人賬戶之后,我學(xué)到了太多!
Can you share some of that knowledge with me?
你可以向我分享一些這方面的知識嗎?
Some basic stuff: mutual funds (stock market stuff) go up in value higher than inflation. Investing in property can net you money with rent and increase in home value (not all property is a good investment) but these are two that a lot of people do.
一些最基本的東西:共同基金(股票市場那種)的漲幅要比通貨膨脹更快。投資房地產(chǎn)可以用租金來給你的財產(chǎn)提供一個安全網(wǎng),并且可以增加房屋價值(雖然不是所有房產(chǎn)都是好的投資),但這兩種是很多人都會做的。
Yup, the more money you have, the easier it is to make more money. It's like that Cookie Clicker game. It's true when they say the first million is the toughest, because with 8% annual returns, because it'll take you decades to earn that first million, but then it'll take less than 10 years to double it to $2 million (assuming 8% returns), and less than 6 years for the next million. Combine that with using leverage to give yourself even more money, it'll take less time.
沒錯,你已經(jīng)有的錢越多,你掙錢就越輕松。就像是那個點(diǎn)餅干的游戲一樣。他們說第一個一百萬是最難賺的,這是真的,因?yàn)樵?%的年化收益率下,你可能要花幾十年的時間來贊第一個一百萬,但之后不需要10年你就可以翻倍成兩百萬(假設(shè)收益率為8%),用不了6年就能再掙一百萬。再和杠桿結(jié)合起來掙更多的錢,你花的時間會更短。
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Money doesn't buy happiness so much as it buys security. There's a lot less stress about really critical issues with money, which has the unfortunate effect of freeing up your brain to be worried about more trivial things.
金錢買不到幸福,但能夠買到安全感。有了錢之后你需要擔(dān)心的那些非常嚴(yán)重的問題少了很多,壓力也會隨之下降,但不幸的是這會放空你的大腦,讓你開始為一些更加雞毛蒜皮的小事鬧心。
但不需要擔(dān)心一些支出,或是害怕無關(guān)緊要地沉溺于某一方面會讓你的狀況倒退,這確實(shí)很令人放松。
This is so true. It doesn’t by happiness as much as it reduces certain stresses. Being poor is scary, and frustrating and stressful as hell. Money won’t make someone happy, but it will give them the freedom to do the things that will make them happy. My dad works with a lot of rich people and the ones that are the most miserable are the ones that don’t do anything fulfilling with their wealth and freedom.
這太真實(shí)了。雖然錢買不到幸福,但錢能減少一定的壓力。人在窮的時候真的會很害怕,并且也會很困惑、壓力很大。錢本身不會讓人開心起來,但它能給人做那些讓他們開心的事情的自由。我父親與很多有錢人共事,那些最悲慘的是那些不用自己的財富和自由去做充實(shí)自己的事情的人。
Technically I am much wealthier than I was 5 years ago. I've learned the phrase "More money more problems" is for people with no control over their spending.
講道理,現(xiàn)在的我比起五年前的我確實(shí)要有錢很多。我學(xué)到了一個事實(shí),“錢越多問題越多”只對于那些花錢大手大腳的人來說才有道理。
For me its “more money more retire early”
對我來說是“錢越多退休越早”
"more post-tax savings more time without work" just doesn't roll off the tongue as well
“稅后儲蓄越多不用工作的時間越多”就是沒那么順嘴兒。
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"More money more problems"
“錢越多問題越多”
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作為一個移民的孩子,這句話中的問題基本上都是在家庭這方面顯現(xiàn)的。我父母總是跟我說,一旦家里有一個成員突然變得成功了,別人就會開始向他伸手。我親眼見證了這個說法,因?yàn)槲业母改冈谖倚〉臅r候非常窮困,但他們現(xiàn)在算是上層中產(chǎn)階級。隨著我的父母拼命工作,把自己的繳稅份額提升的越來越高,我在祖國的家庭成員就開始把我的父母當(dāng)成是提款機(jī)了。并且“從美國打錢回來”在我們的文化中是非常流行的,好像對他們而言幾乎是強(qiáng)迫性的,否則他們就會被家人躲得遠(yuǎn)遠(yuǎn)的。
我父親與兩個兄弟姐妹徹底斷絕了往來,就是因?yàn)樗麄冊阱X這方面實(shí)在太過分了,而他那邊的家人卻都覺得他是個貪婪的混蛋,即使他的兄弟姐妹們都在用他給的津貼當(dāng)做“薪水”舒舒服服地坐在家里,而我的堂親們卻攢不夠讀大學(xué)的錢。
Seen this happen. One person I know sent money home, a large sum like a months paycheck or something, and her mother put it all in lottery because apparently that is an "investment" for some Asian people.
我見過這種事情。我認(rèn)識的一個人往家里打錢,每次打一大筆,就像是每月的薪水一樣。然后她媽媽把打來的所有錢都扔進(jìn)彩票里,因?yàn)閷δ承﹣喼奕藖碚f這算是“投資”。
我認(rèn)識的另一個人把錢藏在家里各種地方,她媽媽問她錢在哪的時候,她告訴她媽媽某一筆錢藏在哪里了,這樣她媽媽就不會把錢全都拿走浪費(fèi)在喝酒之類的事情上。
這些故事無窮無盡,比如菲律賓的母親要求女兒把銀行賬戶給她,只因?yàn)樗诹硪粋€國家工作。
有時候挺瘋狂的,人們不假思索地就把別人的成功徹底毀掉,只是因?yàn)槟銙炅隋X,你就必須把它花掉。
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These stories are endless, like filipino mums demanding access to a daughters bank account just because she works in another country.
引用:“這些故事無窮無盡,比如菲律賓的母親要求女兒把銀行賬戶給她,只因?yàn)樗诹硪粋€國家工作?!?/b>
他們可能把這種事情看作是,我既然犧牲了這么多來給你提供一個更好的生活,現(xiàn)在你卻這么自私待我如塵土一般?
對我來說這臺難理解了。為你的孩子付出一切而不期待連本帶利的回報明明是最基本的要求——不然你就別養(yǎng)孩子,自己攢自己的錢。
My Filipino friends said what they were frustrated by when they visited the Philippines is they were expected to buy expensive meals and gifts for everyone there. And thing was these were not poor Filipinos living in a dump but had professional jobs.
我的菲律賓朋友說每次他們回菲律賓看看的時候都很困惑,因?yàn)榇蠹叶加X得他們應(yīng)該給那里的每個人都買昂貴的餐點(diǎn)和禮物。問題是那些人也不是住在貧民窟的窮菲律賓人,而是有專業(yè)工作的。
I hate that stupid phrase. Money can create problems, but it generally helps solve them faster than it creates them.
我很討厭這句話。雖然錢能制造麻煩,但錢解決麻煩的速度通常比制造麻煩的速度還要快。
No one ever gets to the point where they never have to care about money and can just spend with reckless abandon. But the amount you can spend without caring goes up. It's about 1000:1 If you have $10,000 in the bank, you can spend $10 without really caring, but $100 still makes you worry. With $100,000, you could buy a $100 item without worrying about the cost. And so on.
不會有人富有到可以完全把錢拋在腦后,想怎么花就怎么花。但你花起來不需要過腦子的量確實(shí)是會不斷增加的。比例大概是1000:1,所以假如你有10000美元的存款,那么你花10美元就不用在乎,但100美元還是會讓你擔(dān)心。有了100000美元,那么你買一件100美元的東西就不用在乎價格。以此類推。
This is incredibly accurate. I still spend like im making 15/hr, but i don't sweat the things I need to buy anymore.
這真的非常準(zhǔn)確。我現(xiàn)在花錢的習(xí)慣仍然和我每小時掙15美元時一樣,但現(xiàn)在我在也不需要為自己需要買的東西而緊張流汗了。
Yep. I make double that, and literally put zero thought into the cost of food or necessity items anymore.
沒錯。我掙的是兩倍,所以現(xiàn)在買食物和生活必需品的時候我根本不思考了。
我以前真的思考過要不要去一元店看看我能不能省出足夠的錢給車加油?,F(xiàn)在我根本不考慮加滿油,或是租房,或是吃飯,或是小東西,或是愛好上要花多少錢了。至少某種程度上是這樣。雖然汽車很貴。但汽車的零部件有時不算貴。
When I was in college, my "throw away" amount was about 50 cents (cup of good coffee). With a full-time tech job it was probably $5-10 (buy lunch). 30 years later it is $50-100. It'd be more but I'm trying to pay off a credit card.
在我還在讀大學(xué)的時候,我“閉眼花”的數(shù)額大概是50美分(一杯好咖啡)。有全職科技工作之后差不多是5-10美元(吃一頓午飯)。30年后是50-100美元??梢愿嘁恍椰F(xiàn)在在還信用卡。
Just because you can save some money by doing things the hard way doesn't mean you should.
雖然你可以親力親為地做一些事情省點(diǎn)錢,但這并不意味著你就應(yīng)該這么做。
I had an argument with someone recently who was extremely pissed that I'm going on vacation but not going to do it on a tight budget. I said that I was just going to set aside some money that will be more than enough and just say "fuck it" and not care about expenses as I know they won't go beyond that amount of money no matter what I do. They were extremely, extremely pissed. Need to have a very tight budget with every single thing planned, price checked and researched for the cheapest price possible.
我曾經(jīng)和某個人吵過一架,他對我出門度假卻不精打細(xì)算的行為感到非常惱火。我說我就是要劃出一筆絕對夠用的錢,然后說一句“去他媽的”根本不在乎開銷,因?yàn)槲抑啦徽撐易鍪裁次叶疾粫ǔ@些錢的。他們特別,特別惱火。他們覺得應(yīng)該做非常嚴(yán)格的預(yù)算,每一件小事都提前規(guī)劃好,價格反復(fù)比對,研究哪里能有最便宜的價格。
That's how we did our last vacation at Disney World and I gotta second this.
我們上次去迪士尼樂園度假的時候就是這么干的,所以我同意你的觀點(diǎn)。
能夠說句“去他媽的”然后想買什么就買什么(只要合理)真的太令人放松了。
在旅行之前精打細(xì)算,所以旅行的時候不需要精打細(xì)算,這是我度假的第一準(zhǔn)則。
Disney is where my vacation is going to be (as long as covid is under control). I get a bonus of around $10k or so at the end of the year. I'm going to Disney for 5-6 days. I'll have another $3-5k saved up by then to toss on top of that. I know there's no way I'm going to spend $15k in 5-6 days so I was just gonna go there and say fuck it and not care about the costs. This made my friend hit the roof telling me that if I play my cards right I can do Disney for $2k or even less and that they'd help me do it.
我要去度假的地方就是迪士尼樂園(只要新冠疫情還在控制之下)。我年末會拿一萬美元左右的獎金。我要去迪士尼待個五六天。到時候我還能再額外攢個三千到五千美元。我知道五六天之內(nèi)我是不可能把一萬五千美元花干凈的,所以我就要去那里,然后去他媽的根本不在乎價格。這讓我朋友氣炸了,因?yàn)樗艺f假如我研究得好的話我可以花不到2000美元就在迪士尼樂園玩好,還說他樂意幫我。
You've been arguing with my mother, I see. She has that Great Depression mindset, and is very financially fearful. Me taking vacation time (which is paid) just sends her up the wall, because in her mind I should work myself to death the way she has her entire life. Even in her mid 70's she won't stop working and fretting about money.
我懂了,你是在和我媽媽那種人吵架。她就有大蕭條時期的思維方式,并且她在財政上特別杞人憂天。我過個假期(還是帶薪的)都會讓她氣得要命,因?yàn)樵谒磥砦揖蛻?yīng)該讓自己忙到死,就像她這輩子都在做的那樣。即便是在她七十多歲的時候,她也不愿意停止工作,也仍然為錢感到擔(dān)憂。
What is the purpose of the vacation after all? Eliminate work stress, enjoy time in a different locale, entertained, eat new types of food, walk in a different environment.
歸根到底,假期的意義是什么呢?釋放工作的壓力,在新奇的地方享受時光,娛樂自己,吃點(diǎn)新東西,在不同的環(huán)境下走一走。
假如我得為此花掉更多的錢,那我非常樂意。攢一堆錢死的時候握在手里根本沒有意義。
“Having money isn't everything, not having it is.”
“有錢不意味著一切,但沒錢意味著一切。”
Fortune and luck are not ignorable.... they matter more than a lot of people are willing to admit, perhaps for ego reasons, or perhaps they've simply fooled themselves.
機(jī)遇和幸運(yùn)是不能忽視的……它們的作用比人們愿意承認(rèn)的還要高很多,或許因?yàn)樽宰穑蛟S因?yàn)樗麄凃_了自己。
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還有,擁有安全的緩沖,并且能夠擁有你所需要的絕大部分東西,也能為你提供無法忽視的尊嚴(yán)。
I believe alot in luck. But I also believe you can give yourself more luck. Example: Going out talking to people making connections rather than just sitting in your room just wanting it appear out of thin air. Chances are you can find someone that can give you a hand or give you information that can play a big role. More opportunity you give yourself, the more chances of success. People love to blame your success on others and take away from you.
我非常相信運(yùn)氣。但我也相信你能給你自己更多的運(yùn)氣。舉個例子:出門和別人聊聊天打好關(guān)系,而不是坐在自己房間里等著運(yùn)氣從天上掉下來。你有機(jī)會找到能幫你一把的人,或者是能給你非常重要的信息的人。你給自己的機(jī)會越多,你成功的概率就越高。人們總是喜歡說你的成功是因?yàn)閯e人,然后剝奪走。
Can't remember who it was who said something like "I am very lucky, and the more I work the luckier I get".
我忘了是誰說的了,但他說的是“我非常幸運(yùn),并且我越是努力就越是幸運(yùn)?!?/b>
我覺得很多人都低估了他們給自己帶來的“運(yùn)氣”究竟有多少。
I wouldn’t consider “go out and network” to be the luck part of the equation. That’s the work part. Luck would be having one of those people you talk to have a confluence of “near right enough” events where it ends up that you get a good break.
我不覺得“出去社交”是運(yùn)氣的一部分。這是努力的一部分。運(yùn)氣應(yīng)該是你搭上話的某個人能給你帶來“足夠碰巧”的事件,讓你能享受自己的幸運(yùn)時刻。
That's what they're talking about though. In that example they're "creating more luck" by networking and creating more chances of getting lucky. The lucky break itself might never happen, but it definitely won't happen to the person who hasn't made those connections. Maybe it's more correct to say they're "creating more opportunities for luck" but the phrase "creating more luck" is a lot more catchy.
他們說的就是這個意思。在這個例子里,他們通過社交能夠給自己“制造更多的運(yùn)氣’,這樣變得幸運(yùn)的概率也就更高了?;蛟S幸運(yùn)時刻本身并不一定發(fā)生,但對于那個不去社交的人來說就絕對不會發(fā)生?;蛟S說他們“為運(yùn)氣的到來制造更多的機(jī)會”更正確,但“制造更多的運(yùn)氣”更聽得懂。
Everything has gotten so much easier now that I have money.
有錢之后一切都變得簡單了很多。
我可以住在體面的地方,不用和糟糕的室友和/或房東打交道。
體面的食物和其他生理性的寬慰更容易獲得了。媽的,我甚至能度假了。
太多問題僅僅通過多花一點(diǎn)錢買個高質(zhì)量的東西,或者在急用之前提前買一個就能解決。
還有,壓力也小很多,因?yàn)槲业你y行賬戶不會一直在滑向負(fù)數(shù)的邊緣。
一段時間之前我的保險突然停了,所以我買藥需要花200美元而不是8美元。換到十年前我就要驚恐發(fā)作了,因?yàn)槲业灭I肚子才能掙夠房租,但現(xiàn)在者只不過是個小小的煩心事,我隨時可以搞定。
可怕的事情在于,我并沒那么有錢。我一年只掙七萬多美元,所以我是個徹頭徹尾的中產(chǎn)。僅僅是超過貧困縣,我都覺得生活要簡單很多。
"Time is money"
“時間就是金錢”
這兩個你總得選一樣。我沒那么有錢,但我的收入足夠支付我的開支,并且還能剩下一點(diǎn),而且我現(xiàn)在意識到時間比金錢要重要得多太多了。
所以我永遠(yuǎn)用帶薪休假去度假,而不是和我同事一樣用帶薪休假掙額外工資。
I realized how being poor makes you poor.
我發(fā)現(xiàn)窮日子會讓你變窮。
在你窮的時候一切都更貴。一次買6-12個月的車輛保險比起按月買藥便宜太多,所以,當(dāng)我沒錢的時候我只能在這方面花更多的錢,因?yàn)槲覕€不下來錢,也沒辦法做好規(guī)劃。
大批量地購物會更省錢,比如山姆俱樂部。但你沒錢的時候,是不可能一口氣買好幾打牙刷的。要花太多錢。
在你沒錢的時候,你每年都要買一雙50美元的靴子。但在你有經(jīng)濟(jì)保障之后,你可以買一雙300美元但能穿10年以上的靴子。
Also, when your poor you have nowhere to store all those bulk items
還有,你沒錢的時候也沒有地方儲存這些大批量的物品。
the more you make, the more you spend.
你掙得越多,你花的就越多。
And while there are exceptions to every rule and wealthy people who live frugally ... you'd be amazed at how quickly you can go from I'm never going to be one of those people; I'm going to maintain the same lifestyle as I did before to fuck it, we're going to Hawaii!
并且雖然每個規(guī)律都有例外,確實(shí)有過得精打細(xì)算的有錢人……但你會被自己從“我永遠(yuǎn)不要成為他們那種人,我有錢了也要保持和之前一樣的生活方式”到“去他媽的,走咱去夏威夷!”的飛速轉(zhuǎn)變驚訝到的。
We do a good job of mitigating lifestyle creep, but COVID killing all our travel plans, then a narrow window in the spring where we were vaccinated, things were cool, yeah we might have spent too much money on a trip. It was beautiful and fun, but $$$.
我們在轉(zhuǎn)變生活方式這塊確實(shí)很快,但新冠疫情扼殺了我們的旅行計劃,在春天我們有過一個小的窗口,我們接種了疫苗之后出去玩了。玩得很開心,沒錯我們可能旅行的時候花了太多錢。很有趣,風(fēng)景很美,但都是拿錢買的。
該回到負(fù)責(zé)任地滾起財產(chǎn)雪球的生活了。
One of the best decisions I ever made was to have my pay direct deposited with my investment account. The account is configured to pay my normal checking account a set amount every month, the rest goes to savings / investments.
我這輩子做過的最好的決定就是把自己的薪酬直接存進(jìn)投資賬戶里。這個賬戶每個月會給我平時消費(fèi)用的賬戶定額打一筆錢,剩下的都用作儲蓄投資。
我掙的錢變多之后,平常的銀行賬戶并不會變多,除非我主動去改變每個月的轉(zhuǎn)賬,不然錢會自動打進(jìn)儲蓄和投資這一項(xiàng)。這真的預(yù)防了我收入提升之后生活方式的轉(zhuǎn)變,也為我的未來提供了一個良好的緩沖。
其實(shí)并不難設(shè)置。假如你想每個月多花點(diǎn)的話仍然可以調(diào)節(jié)月度轉(zhuǎn)賬的額度,但把它從一個自動的東西變成我得自己做的決定真的會帶來很大的改變。
Honestly, that you really need to practice humbleness and humility, because it's easy to become one of those people you've always despised, and financial circumstances can change on a dime.
說真的,你真的需要保持謙卑與謙遜,因?yàn)樽兂赡欠N你曾經(jīng)最討厭的人真的太容易了,而且資產(chǎn)狀況一夜之間就能天翻地覆。
舉個例子:我家的家庭年收入一直在七萬五千美元的水平。我在成長的過程中真的沒特別想要過什么東西,但我也從15歲開始就自己工作,買我想要的玩具,衣服等等。上大學(xué)的學(xué)費(fèi)也是我自己掙的。我非常幸運(yùn)能夠在畢業(yè)之后就得到一份工作,并且能在五年之內(nèi)付清我的學(xué)生貸款,在我步入30歲的時候,我一個人掙的錢比父母加起來的兩倍還要多。
就算來自謙遜的背景,就算我的父母以前經(jīng)常提醒我驕兵必敗,我也很容易掉進(jìn)陷阱。你值得擁有一輛配得上薪水的車,對不對?你表親的工作只能勉強(qiáng)支付房租?那是他不夠有野心!吃飯的時候和朋友吵了起來?你說的肯定對,因?yàn)槟愀晒Π。?/b>
原創(chuàng)翻譯:龍騰網(wǎng) http://mintwatchbillionaireclub.com 轉(zhuǎn)載請注明出處
直到某一天,公司階梯上站的比你高的哪個億萬富翁為了省幾塊錢,決定把你的整個部門給砍了。
你必須得自己做到謙遜,因?yàn)榧偃缒悴贿@樣,世界會幫你謙遜的。
原創(chuàng)翻譯:龍騰網(wǎng) http://mintwatchbillionaireclub.com 轉(zhuǎn)載請注明出處
I realized more once I lost my wealth. I realized that my happiness was not related to all of the material obxts I had collected. I was obsessed with my watch collection and could afford more drugs. Somehow these things became more important than my beautiful family. I lost everything. Wife and kids gone, money gone, career gone. I was in such a dark hole for a long time. I’ve been sober for 6 months now and slowly things became more clear. I was able to help people again through my passion, photography. I’ve been working on a project to shine some light on addicts and homeless in Chicago. Helping others and being proud of my work has been a lifesaver. My sons are still not back in my life but besides that, all of the pain was worth it. I’ve never had inner peace before. It’s priceless and all of the money in the world can’t buy it.
我在失去了自己財產(chǎn)之后明白了更多。我意識到我的幸福和我曾經(jīng)收藏過的一切物質(zhì)財富都毫無關(guān)聯(lián)。我曾經(jīng)沉迷于我的腕表收藏,也買得起更多的毒品。漸漸地,這些東西開始變得比我的家人更重要了。突然我失去了一切。妻子和孩子沒了,錢沒了,職業(yè)生涯也沒了。我在這個黑暗的深淵中呆了很久。我戒了六個月的酒,然后我要做的事情逐漸變得清晰。通過我熱愛的攝影,我開始再度幫助他人。我在芝加哥進(jìn)行一個將癮君子和流浪漢帶到大眾視野中的項(xiàng)目。幫助他人并為我的工作感到自豪成為了我的救命稻草。我的兒子們還沒有回到我的人生中,但除此之外,我經(jīng)受的一切痛苦都是值得的。我之前從沒與自己達(dá)成過和解。這是無價的,并且全世界的金錢都買不到。
That inflation keeps taking my goals farther away even though I've saved so much. I got all excited lately because I'd reached my savings goal I set in 2017 for how much I wanted to put aside before I looked into buying my first house. I looked at how ridiculously much housing prices in my area have gone up in recent years especially after the pandemic recently and I'm still far away unless I wanna just put about 5% down. I think I'll just do that in like a year's time anyway, but it's really disheartening to think if I'd just been born a couple years earlier how much easier everything would be. It seems like everything inflates out of reach just before my life gets there.
通脹會讓我離我的目標(biāo)越來越遠(yuǎn),即便我已經(jīng)存了這么多錢。最近我特別興奮,因?yàn)槲疫_(dá)到了2017年給自己為買第一棟房子定下的儲蓄目標(biāo)。我查了一下我住的地方在近幾年房價飛速攀升,尤其是在疫情之后,我仍然離目標(biāo)很遠(yuǎn),除非我只付5%的首付。我覺得再安正過一年我就要這么做了,但一想到如果我能早出生幾年的話一切會比現(xiàn)在容易多少我就很難過。就好像一切都在通脹之下離我越來越遠(yuǎn)。
money doesn’t fulfill you, but the thought of being financialy stable and debt free gets rid of some worldly problems.
金錢不會讓你充實(shí)。但意識到自己財務(wù)穩(wěn)定沒有錢債,能讓你避免不少嚴(yán)重的問題。
I realized that time is my most valuable asset. That's why wealthy people pay someone else to do things like cleaning their house, mowing the yard, etc. That's low value work. Wealthy people use that time to make more money.
我發(fā)現(xiàn)時間是我最寶貴的財產(chǎn)。所以有錢人會花錢請別人做掃房子、除草等工作。這是低價值的工作。有錢人用這些時間掙更多的錢。
Wealth changes relationships and not in a good way. I lost friends because they found out I had wealth and felt that they were entitled to it and I was a bad person because I wouldn't pick up the check for everyone at a restaurant. They never expected this before but now they did.
金錢會改變?nèi)穗H關(guān)系,而且是往不好的方向。我失去了一些朋友,因?yàn)樗麄儼l(fā)現(xiàn)我有錢,他們覺得自己也應(yīng)該分一份,還覺得我這個人不行,因?yàn)橐黄鸪鋈コ燥埖臅r候我不請客。他們之前從沒期盼過這種行為,但現(xiàn)在他們這么做了。
我開始在他人面前隱藏自己的財富。我買二手車。我住小房子。我對那些仇富的人更加敏感。我發(fā)現(xiàn)自己有幾個朋友認(rèn)為他們沒錢就是因?yàn)閯e人有錢,他們把自己的問題都?xì)w到別的有錢人身上,但并沒有意識到和他們聊天的這個人就是他們討厭的那種人。
我發(fā)現(xiàn)的最重要的一件事就是金錢真的不會讓你開心?,F(xiàn)在的我和以前破產(chǎn)的時候一樣,金錢不會改變這一點(diǎn)。
Money can't buy happiness in all facets of life but definitely facilitates the pursuit of it in many.
在人生的任何方面,金錢都買不到幸福,但它絕對能幫助你追求幸福。
比如,金錢不能給你買來幸福健康的關(guān)系。我認(rèn)識的有錢人有非常糟糕的人際關(guān)系,而很多最窮的人卻有最好,最穩(wěn)定的關(guān)系。所以金錢不能給你買來幸福。但假如你沒錢,要打兩份工讓收支相抵,那尋找愛情就困難很多,因?yàn)闀r間和金錢都不允許,所以金錢是可以給你的追求帶來幫助的
類似地,在興趣方面,我認(rèn)識一些人會買一堆好東西,因?yàn)樗麄冑I得起,但這不能讓他們覺得充實(shí)。另一方面,我一邊硬造自己的小破車,一邊幻想自己可以買各種改裝,我確實(shí)更開心。所以還是那句話,金錢買不了幸福,但有錢確實(shí)比沒錢好太多了。
I realised how freeing money can be. Before findom I was broke in college but now I don’t really think money or about the price of things I just think about what I want, if that makes sense?
我意識到了有錢是多么讓人解脫。在財務(wù)自由之前,我上大學(xué)時破產(chǎn)了。但現(xiàn)在我真的不會考慮東西的價格,只會考慮自己需要什么,不知道這算不算?
我有資本承擔(dān)風(fēng)險、探索世界,我沒有陷在為了付賬單而工作的無盡的循環(huán)中。
Yeah, this is a good point. For context: I'm not a millionaire but I earn 2X the median household income in my area.
沒錯,這一點(diǎn)很對。說一下背景:我不是百萬富翁,但我掙的錢是當(dāng)?shù)丶彝ナ杖胫形粩?shù)的兩倍。
當(dāng)我在上大學(xué)的時候,以及剛剛大學(xué)畢業(yè)的時候,我絕對會尋找各種忒啊活動,考慮貨架上的價簽,仔細(xì)計算怎么在一定額度之內(nèi)消費(fèi),加一定額度的油,等等。
現(xiàn)在我每次去超市都要買什么就拿什么,每次都把油箱直接加滿。
讓我保持之前的消費(fèi)習(xí)慣確實(shí)是非常有道理的,但和你的想法相同,逛一趟超市之后不會被購物車總價格嚇到出汗真的很令人解脫。