国外躺平人：我在学院学习商业管理学，这段引用自我的个人理财课程，哈哈我被惊到了。
Studying business management in college. This quote was from my personal finance class. I’m blown away lol.
译文简介
来自reddit论坛的反工作板块（躺平），因此该板块网友的意见会有一定的倾向性。
一位在学习商业管理的学生分享了一段他的课文，引起了网友们关于兼职的讨论，并逐渐离题到美国的401K养老金制度上。
正文翻译
Studying business management in college. This quote was from my personal finance class. I’m blown away lol.
在学校学习商业管理。这段话引用自我的个人理财课程。我被这段话惊到了，哈哈。
网友引用内容：
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
在学校学习商业管理。这段话引用自我的个人理财课程。我被这段话惊到了，哈哈。
网友引用内容：
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Calculate the Future Value of the Benefit
标题：计算福利的未来价值
标题：计算福利的未来价值
An employer that provides a 401(k) retirement plan offers a valuable benefit. Hopefully, your employer will offer a matching contribution as a nudge to get you to do the right thing in preparing for retirement.Another nudge is to sign up for payroll deduction so you never see the money.
一位提供401（K）退休计划的雇主为你提供的这份福利是极有价值的。但愿你的雇主用提供足额的缴纳金额来推动 你为将来退休做好适当的准备。另一个助力是薪资代扣所以你永远不用见到这笔钱。
If an employer provides a match of $3,000 a year to your $3,000 in contributions, all the money in the account will grow free of income taxes until the funds are withdrawn. Over 20 years, the annual employee and employer contributions of $6,000 growing at 6 percent annually will be about $240,000 (using Appendix A.3). At 8 percent interest it grows to over ＄302,000.
如果雇主每年为你提供3,000 美元缴纳金额加上你自己缴纳的3000美元，则所有在这一账户的钱将免征所得税直到你将这笔钱提取出来。年度内雇主和雇员所缴纳的6000美元如果以每年百分之六的速度增长，在20年后将会是大约24000美元（数据引用自AppendixA.3）在利息为百分之八的情况下这笔钱会增长到超过302000美元
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
如果雇主每年为你提供3,000 美元缴纳金额加上你自己缴纳的3000美元，则所有在这一账户的钱将免征所得税直到你将这笔钱提取出来。年度内雇主和雇员所缴纳的6000美元如果以每年百分之六的速度增长，在20年后将会是大约24000美元（数据引用自AppendixA.3）在利息为百分之八的情况下这笔钱会增长到超过302000美元
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
If working full-time does not earn you enough to pay all the bills, there is no excuse not to have a side job in the gig economy. The options are virtually unlimited. Remember, too, that this income is not to pad an entertainment budget; it is to fund your retirement plan.
（楼主重点圈出）如果全职工作不足以支付你所有的账单，那么你就没有不去做兼职的理由在打零工市场中你的选择几乎是无限的。还要记住，这笔打零工得来的收入不是用来支付你的娱乐预算的； 它是为了支持你的退休计划。
（楼主重点圈出）如果全职工作不足以支付你所有的账单，那么你就没有不去做兼职的理由在打零工市场中你的选择几乎是无限的。还要记住，这笔打零工得来的收入不是用来支付你的娱乐预算的； 它是为了支持你的退休计划。
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I first heard the term "moonlighting" as something you could get in trouble for.
Guess it's officially the norm now.
当我第一次听说“捞外快”这个概念的时候，这还是某种让你可能会陷入麻烦的问题，
看来现在这已经被正式定义为正常状态了。
and you can STILL get in trouble for it depending on what you do for your main job or your side job. you teach kids? better not be on OF. or work as a bartender. it’s ridiculous that people can still get fired for that when they need to do it just to make a living
并且你依然会因为你的本职工作和决定做什么兼职陷入麻烦。你想教育小孩？那最好不要出现在onlyfans上。或者是当个酒保。这太荒谬了当那些人只是为了生存下去而只能这么做时却依然会被开除。
yeah sorry, but there is only 1 condition where I will allow an employer to tell me where I can and can not work for a side job....
and thats when they pay me enough that I have no reason to have a side job.
是的抱歉，只在一种条件下我会允许一个雇主来告诉我我该不该干什么兼职，那就是当他们付我的钱让我没理由再去找个兼职的时候。
That’s one of the conditions, the other is if I am in a position to compete directly with them and funnel work my way who come in to visit them. Using a day job as a way to poach clients is a legitimate concern in my opinion.
这是一种情况，另一种是如果我处于一个与他们直接竞争的位置并最终能够接近他们的客户。我认为担心他人利用日常工作当理由来接近客户是一种合理的担忧。
it absolutely is....
And if your running a company where that is a legitimate thing you need worry about.... you should probably be paying your employees enough to not need a second job :P
这倒是……
并且如果你在运营一家真正需要担心这一问题的公司……也许你应该付给你员工足以让他们不需要兼职的工资 ：P（做鬼脸）
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
I work in insurance and had to do training that I have to disclose side jobs where there may be a conflict of interest. Like I probably can't work in billing at a hospital while working for them, which is fair.
But I could do pretty much anything else in a hospital like appointment setter or something. Anything outside of Healthcare doesn't matter.
我在需要这类培训的行业内工作，这令我必须远离某些会导致利益冲突的的兼职。比方说我也许没法在给他们干活的同时再在医院干有关账单的工作，这倒算公正。
但我差不多可以在医院干其他任何我想干的活比如预约员之类的。只要不是任何和医保有关的事就没关系。
Yeah I noticed that only my first job even had moonlighting clause.
Not like I’d respect it anyway, but they just gave up on more recent jobs and doubled down on the shit pay/unx Busting pig behavior
是的，我注意到只有我的第一份工作有关于捞外快的条款。
我反正也不会理会它，但最近招的工作岗位上他们也放弃了并且双倍加注到糟糕的工资和会惊动公会的蠢猪行为上。
Its indoctrination into wage slavery. They want us all to be complacent while some scumbag changes 100 words every two years and prints this textbook over and over and sell them for hundreds of dollars a pop.
What a leech
这是在灌输薪酬奴隶制。他们想让我们感到满足而某些混蛋每两年修改100个单词，一遍遍的印刷这本课本，然后以数百美元的价格卖出去，真是一帮水蛭。
Yes. You could have potential conflict of interest in certain line of work and you can get fired from your main
job for messing things up
是的，在某些领域工作你确实可能存在潜在的利益冲突并且你确实会因为你搞砸了些事而导致你丢掉主职工作。
"Don't have fun, live to work."
Is what I got from that.
”不许娱乐，为工作而活。“
这就是我从这段话里听到的。
My plan: take that time to learn a new skill, then hop jobs.
The plan has been working, 42% bump in pay in 24 months
我的计划：用这些时间学习一项新技能，然后跳槽。
这个计划目前在生效，24个月我的薪水膨胀了42%。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
That's what it's going to take on a large scale before employers learn that slave wages aren't sustainable.
那距离雇主们意识到奴隶般的薪水不可持续还有很大的距离。
the sheer amount of propaganda in the textbooks for my MBA would chill your blood
我MBA（工商管理学）课本里那海量的宣传内容能让你凉到骨子里。
I’m curious, I’ve never seen this from a top tier school. I can only imagine that this is being fed to students from bottom tiers.
What MBA program is it? Like where would you rank the school on an academic list? The last time someone showed us something like this it was from one of those fake colleges like phoenix university
我很好奇，我从来没有在前排行列的大学里看到过类似的内容。我只能想象这些内容是被塞给那些底层学生的。这是什么MBA课程？比如你给这所学校的学术水平打几分？最近一次有人把这玩意塞给我们的是一个类似凤凰城大学那样假冒学院。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
I've never seen a top-tier MBA student open a book, period.
我就没见过一个前排行列MBA学生打开过一本书，句号。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Apropos of not much, I've heard people with MBAs from top-tier schools saying much the same thing.
It's also something business papers allude to a lot. (Usually while complaining about companies' huge "labour costs")
恰好相反，我听上着顶级MBA课的人说差不多的东西。
这也是某些商业报纸经常暗示的。（通常是当抱怨公司的”巨大人力成本“时）
Your country straight up hates you.
你的国家直白的憎恨着你。
401k is the greatest scam in the history of scams.
Everyone is forced to pay into it.
The wealthy short sell the stocks to drop its value.
They swap around hundreds of thousands of shares with other whales in the darkpool.
You are left with no pension and a small 401k which hasn’t even grown beyond inflation.
401K退休金是史上最大的诈骗。
每个人都被迫缴纳它。
大亨们利用快速出售证劵的方式来降低它的估值。
他们与其他大亨们在暗地里成百上千的交换份额。
而留给你的份一点也没有同时那小小的401K增长甚至都超不过通胀率。
My company offers a 401k, but it is totally voluntary. They match my contributions, up to 6% of my income, at a rate of 125% ( I put in $1.00, they match it with $1.25). I never miss the money since I never see it. You get to choose the investment mix, from a very conservative money market account, to a riskier, aggressive growth fund. Your choice. I have chosen a managed index fund which is geared to the approximate year of my retirement. You can borrow against your balance up to 50% at a very favorable rate of interest, and pay it back through payroll deductions, (mostly would be used for a down payment on a primary residence, etc.). I contribute at the max rate of 6% of my income. After 25 years, my balance, which is invested with Fidelity, is nearly half a million dollars. I am not a highly compensated executive, I work as a field technician. So, I would beg to differ, not a scam.
我的公司就提供401k，但它是完全自愿的，他们以125%的利率缴纳上至我收入百分之六的份额，（我投入1元他们缴纳1.5元），我从没丢失过那笔钱因为我从来没见过。你需要选择投资组合，从保守的货币市场账户到一个冒险的，激进增长基金。你自己选。我选择了一个近似适合我退休那年受管理指数基金。你可以以非常优惠的利率借用高达 50% 的余额，然后以代扣工资的的方式偿还。我以最高收入的 6% 的比例供款，25年后我投资到富达的缴费将会回报给我将近50万美元。我不是什么公司高管，我的工作是一个一线技术人员。
所以我等你反驳我，没什么花招。
They're basically forced gambling。
这些基本就是强制赌博。
401k is completely voluntary.
401K是全凭自愿的。
So a second job is to cover the bills... but the income is for retirement? They need to make up their mind.
所以说兼职是为了付帐单……但是兼职赚的钱却要留到退休？他们需要在脑子里先决定好再说。
Yeah seems like no one else noticed this。
是的，好像没人注意到这个问题。