一直很喜欢的文章,反反复复看了好几遍,很有意思 🧠 但独乐乐不如众乐乐:

以下摘录自《Financial Advice for my new daughter》- Morgan Housel

Everyone’s life is a reflection of the experiences they’ve had and the people they’ve met, a lot of which are out of your control and driven by chance. Being born to different families, with different values, in different countries, in different generations, and the luck of who you happen to meet along the way plays a bigger role in outcomes than most people want to admit.

每个人的一生其实是过去经历的人和事这一连串偶然因素的反映;其实出生在什么家庭、拥有什么价值观、哪个国家、哪个年代甚至在路上遇到的人对我们的影响很大;感觉人生真的很有意思,尤其是当你回过头来connect the dots; 举个例子,假如二年多前我没有在新加坡偶然认识那位德国博主,17年底没有产生写作的念头;或者没有在那天晚上失眠就不会找到数字游民部落也就不会认识Jarod,也不会在这数字游民生活方式设计道路上越走越远。

I want you to believe in the values and rewards of hard work. But realize that not all success is due to hard work, and not all poverty is due to laziness. Keep this in mind when judging people, including yourself.

我希望你坚信努力工作的价值和回报,但也得意识到不是任何成功都得益于努力工作,不是所有的贫穷都来源于懒惰;在批判别人甚至自己时,谨记这句话。

脚踏实地努力工作和价值创造正正是这浮躁时代大部人所缺乏的,因为很难,更难的是能坚持下来,但有耐心的人总会获得回报。

The highest dividend money pays is providing the ability to control your time. Being able to do what you want, when you want, where you want, with who you want, for as long as you want, provides a lasting level of happiness greater than any amount of fancy stuff can ever offer.

金钱最有价值的地方是换来控制时间的能力,能随心所欲随时随地做自己想要的事情,这种幸福感是任何昂贵的身外物也无法给予;作为数字游民特别同意这句话,其实金钱说白了就是社会的交换媒介;但真正的自由是能自由选择想干的事情,也能时刻拒绝不想做的。

The thrill of having fancy stuff wears off quickly. But a career with flexible hours and a short commute will never get old. Having enough savings to give you time and options during an emergency will never get old. Being able to retire when you’re ready will never get old. The ultimate goal is independence, but independence is not black or white, all or nothing. Every dollar you save is like owning a slice of your future that might otherwise be managed by someone else, and whatever their priorities are.

拥有虚荣身外物的快感其实很快会消逝,但灵活工作时间,通勤时间短的工作永远不会过时;有了足够的储蓄可以在危急关头换来更多的时间和选择;当一切准备就绪后就可以退休;其实我们的最终目标是达到独立,但独立亦不是非黑即白。

这个真的举手举脚赞成了,之前很多人留言问像我们这样的环游世界得有多少积蓄?但为什么不换个角度思考打造能让自己随时随地的工作也同时能做自己真正喜欢的事情?自从成为了数字游民,实现地理独立,能随时随地去想到的地方和见到想见的人,这种快乐不是名牌能轻易换来的,心境平静也是同理。

Everything has a price, and I’m not just talking about price tags. The price of a busy career is time away from friends and family. The price of long-term market returns is uncertainty and volatility. The price of spoiling kids is their sheltered life. Everything worthwhile has a price, and most of those prices are hidden. They’re often worth paying, but never ignore that they are true costs. When you accept this you’ll view things like time, relationships, autonomy, and creativity as currencies that are as valuable as cash.

做任何决定都会有机会成本,我说的不只是价钱;例如忙碌工作的成本是没有时间陪伴朋友和家人,长期市场的成本是存在太多不确定性和波动性;但其实任何值得做的事情均有成本,尽管常常是不太容易看到;当你清楚明白到这么真正的隐含成本,你会真正意识到时间,关系,创造力就像和货币一样有价值。

的确,简单拿看电影举例子;或许很多人会在乎那张电影票本身的价钱(沉没成本)但其实时间更贵,所以一旦当我意识到这并不是我想看的,我会立马离场,止损。

True success is when the people who you want to love you do love you. And that love comes overwhelmingly from how you treat people, rather than a level of net worth. The most important financial advice I can give is that money won’t provide the thing that you and almost everyone want most. No amount of money can compensate for a lack of character, honesty, and genuine empathy towards others.

真正的成功是你爱的人同时也爱你;这种爱绝大部分来自你对待他人的方式,而不是用净资产水平来衡量;我能提供给你最重要的财务建议是:钱不能买来所有东西;再多的钱也不能弥补低劣品格,坦诚和对他人真诚的同情心。

我也感觉其实最大的幸福是找到另一半,然后一起走到老 👵🏽👴🏽

Your world will be different than mine, just as mine is different from my parents’. So it’s OK to reject any of this advice. Everyone’s different, and no one has all the right answers. Never take anyone’s advice without contextualizing it with your own values, goals, and circumstances.

你的世界将不同于我的世界,就像我与我父母的世界很不一样,因此也可以不听从以上任何建议;反思一下,其实上一代的认知已经不太符合这时代了;随着互联网的发展,我猜是越来越多人想当blooger / vlogger / influencer. 还是继续想当公务员拥有所谓的铁饭碗?

如今日渐落后的教育系统,其实上学还有没有意义?因为很多东西已经可以在互联网获得,大部分还是免费的那种,当然前提是懂得找。

我经常会思考这些东西,毕竟作为游民在不同的文化下熏陶,经常会回过头来发思一切;也受到作者的启发,原来我们现在写的东西真的会让下一代看到,甚至下下下一代?🤔 更令我坚定不追热点,只写能被时间持续验证的evergreen.

📖 原文地址

📖 相关阅读

只能大致简略翻译一下,有条件的建议直接看原文,希望这些财务建议对各位也有收获:)
Stay tuned for more!

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