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Big Think: 3 steps to money mastery: Would you rather have freedom or stuff? | Vicki Robin

大思想:驾驭金钱的三个步骤:要自由还是要物质?|薇琪·鲁宾



大思想(Big Think)是一家由美国知识分子组建的,由查尔斯.科赫基金会资助的,以油管及脸书为平台传播思想的频道。



薇琪·鲁宾是一位多才多艺的社会创新家,也是一名演讲者。她与乔.杜明桂共同撰写了享誉全球的畅销书籍《要钱还是要生活:转变与金钱的关系并收获财务独立》(维京企鹅出版社:1992,1998,2008,2018四次出版)此书一经出版立即荣登1992年《纽约时报》最畅销书籍,并于1992-1997年间长期在《商务周刊》最畅销书籍清单榜上有名。 目前此书已被翻译成11种语言发售。

(讲说稿原文翻译)
So let’s take a look at financial independence and what that really means. It means, you know, if you haven’t thought about it at all you just think “Oh, that’s for rich people” or “I could never do that.”

让我们来看看经济独立意味着什么。它意味着如果你还没有思考过这个问题,你很可能只会认为“哦,那是有钱人的事,”或者“我永远都做不到” 。

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And then the second layer is to get out of debt. And for some people debt feels endless. And the first step to getting out of debt is stop going into debt. Really. It’s like – and so there are many organizations. There’s Debtors Anonymous. There’s many ways that people can help them with this addiction to constantly spending and spending beyond their means. However you do that you just stop increasing your debt and start whittling your way through it. And with the approach in Your Money or Your Life I mean there’s many people who have written to us who flatten their debt in a couple of years—impossible debt, debt that was going to be endless. They would die with this debt. And once they see what the debt is doing to them in terms of the actual opportunities, the future opportunities of their lives, once they see that, once they have a taste for, a yen for the kind of sovereignty, authenticity, autonomy, freedom, whatever you want to call it, you know, mastery over your own time, ability to write your novel or take your sailing cruise or play with your grandkids—Whatever it is that you want more than you want stuff that’s what we’re trying – that’s the sort of link that we try to get people to make, so that something in the future is more important than the immediate pleasure of buying one more tchotchke that you’re never going to use.
We call them “gazingus pins”, the things you buy repeatedly and you never use, and they go into the gazingus-pin-drawer and yet when you’re in the store you buy another one. And just look in your drawers, look in your closets, you’ll find it.

而第二步就是远离债务。对某些人来讲,债永远都还不完。想脱离债务的第一步就是不要再举债。真的。就像...有很多的机构,比如说“无名债务人”。有很多方式可以帮助我们戒掉超前消费和透支消费的瘾。不论你选择哪种方式,重要的是要马上停止增加你的负债并想办法逐渐消减债务。心中一定要秉持这是我的钱和我的生活这一理念,我想要说,我收到过很多人的来信,信中讲述他们战胜了自己的债务 - 包括那些难以想象的,看起来毫无可能还清的巨额债务。他们本来有可能负债到死,但是一旦他们看清债务对他们现实的机遇,以及未来生活机遇的影响时,一旦他们认清这一点,一旦他们品尝到哪怕一点点的自主,真实,独立,自由,或者任何你想到的词汇,你想想,当你能够掌控你自己的时间,有能力写你自己的小说,自己出海航行或者可以和你的孙儿一起享受天伦之乐 -- 一切在物质之上你还想要追求的梦想,正是我们要努力的方向 - 我们正是想要人们和这种梦想建立联系,所以人们就会认识到在未来某个时间有比当前的物质享受,比如购买你根本用不到的奢侈品这种事,更为重要的东西等着你去实现。
我们称这类东西为“过眼瘾之物”,就是你不停的买却从来也用不到的物品,这类东西只会被你收纳起来,但是每当你逛商店的时候,你又忍不住再次购买。 看看家里的抽屉吧,看看你的衣柜吧,你就自己就会明白。

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You use your debit card and your bank has a complete record of all your purchases. And then every month you take a look at your purchases, you sort out in categories the plight of your lifestyle. And then let’s say, you know, you have a category called shoes and you spend like $150 or let’s say $162 on shoes. And we have a calculation that says “my real hourly wage,” all things considered is not $36 an hour, it’s $9 an hour. So I’ve just spent X number of hours, ten hours of my life or whatever on shoes and then you ask – is this worth it to me? Did it make me happy? Am I glad about this purchase? Would I spend more on it? Would I spend less on it? No shame, no blame, no like admonition. No going and confessing to your financial planner. Just between you and your Mint.com or whatever it is.

使用借记卡,这样你的银行账户里就会有你全部的消费记录。然后每个月你都可以查看一下你的消费清单,你可以按照自己的生活方式把消费分类。让我打个比方,比如说你的消费中一类为买鞋,比方说你花了150美元或者162美元买鞋。然后让我们算一算,“你的真正时薪是多少”,收入时是36美元/小时,但是把各种每日支出算进去后只有9美元/小时。所以你可以算出来你花了多少小时的收入,或者说多少小时的生命在这双鞋上,然后问问自己,这样值得么?这真的让我快乐么? 我真得因为这笔消费而开心么?我还会花更多钱么? 还是我会花更少的钱?不要感到丢脸,也不要责备自己,这不是一种警告。不要去找什么财务顾问。只要和你自己思索交谈就可以。

You just look at that and you kind of tell yourself the truth about whether spending your life energy in that way makes a difference.
That process gives you a sense. You develop a month in, month out, year in, year out sense of precisely how much money it costs you to have a happy life. You have your happy life number. It’s not, you know, some columnist in the Washington Post, blah, blah. It’s your happy life number. It is, “I spend $3,776 month in, month out, month in, month out, month in, month out, month in, month out more or less plus or minus ten percent.” And then you start to see your income from your investments, from your savings line—when that crosses and you have $3,7776 (or whatever I said) dollars passive income you realize you could let go of the active income and live on that amount of money. So it’s reality-based, it’s unique to you. The only person who knows what your number is is you. Some people become FI on $700,000. Some people a million. Some people ten million. Some people less. Some people basically they get out of debt and they have their six months of savings and they have some basic income that the bottom will never fall out. And then they travel around the world for three years on bicycles.
It’s freedom. It’s like you’re buying yourself degrees of freedom through this developing a habit of precise attention to the flow of money and stuff in your life.

你只需要观察,你就能告诉自己,花费自己的生命能量购买的这些东西是否对你有所助益。
这一观察思索的过程会让你理智。你将慢慢开发出在月初月末,年初年末计算到底要花多少钱就能让你有一个快乐生活的能力。你就有了快乐生活需要的金钱数字。你知道,这不是《华盛顿邮报》专栏作家说的那种滔滔不绝的废话。这是你享受快乐生活需要的金钱数字。比如“我平均每个月要花3776美金,或者上下浮动10%。”然后你就可以看到你投资的回报,存钱的回报 -- 当这些回报加在一起,你的被动收入超过3776美元(或者无论什么数字)的时候,你就可以完全放弃薪水并靠那笔钱生活了。所以这是基于现实的,更是基于你的你自己的情况设定的。唯一知道你的快乐生活金钱数字的人只能是你自己。有些人的投资回报可能有70万美金,有人100万,还有些人可能是1000万。也有人更少。还有些人只是还清了债务并存了6个月的应急金,勉勉强强保证他的基本生活。但是这样人还是能够花上3年时间在全世界骑自行车旅行。
这就是自由。就是通过开发出对生活中金钱和物质流通的严密关注,来为你买来了一定程度上的自由。