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你不要听的六种名言

6 Dumb Quotes You Should Never Listen To

大家好 我是《财务平衡》的Chelsea
Hey guys, it’s Chelsea from THE FINANCIAL DIET.
今天我来和大家聊聊那些你不应该盲目听信的建议
And today I’m here to talk about the kind of advice you should not be listening to.
如果你正在上网或者是去逛家具店 又或者在看杂志
So if you’re someone who goes on the Internet or to home-goods stores or opens magazines,
你将有很大机会看到许多乏味的空洞的励志名言
chances are probably pretty high that you’ve seen a lot of like really vapid empty motivational quotes.
那些名言就像你在照片分享网站上还有
So these were the kind of like Pinterest-y quotes you will see, like on Pinterest,
在像T.J.Maxx这类商店买来的做房子摆设的奇怪木制品上经常看到的
or also on like those weird wooden like blocks that people put up in their house that they buy it like T.J. Maxx
类似“永远充满爱”那种积极向上的话
that say like ‘always be loving’ and like just really really general positive things.
总之 就是那些一直围绕在人们身边的名言
Point being, these are the kind of quotes that people surround themselves with.
因为他们觉得:啊!这些句子听上去多么正确 看上去又很有趣 为什么不喜欢呢?
Because they’re like: ah! this sounds right and good and looks cute. Why not?
大多数时候 这些句子虽然很苍白空洞 但并没有什么坏处
And most of the time, they are pretty empty but they’re also just like harmless.
不过当你把这些激励人心的格言和投资建议相结合的时候
But when you combine the sort of empty motivational poster with financial advice,
问题就来了
then you get in trouble.
如果你正在网上寻求一些投资理财的建议
If you’re looking for financial advice on the Internet,
你将会有很大几率发现一些奇怪的有激励性的名言
chances are kind of high that you’re going to find a lot of these like weird quasi inspirational quotes
而且都是和投资理财相关的
that are also about how you do money.
这些名言就是你真正应该提防的
And those are the things you should really be looking out for.
针对这种情况 我会介绍六种荒谬的不管什么时候都应该无视的励志名言
And to that end here are six dumb inspirational quotes that you should always ignore.
第一 花钱去增加阅历而不是购买东西
Number one is: Spend on Experiences Not Things.
这是一条很常见的投资建议 听起来很有道理
And this is one of those really common pieces of financial advice that on the surface sounds pretty good.
毕竟 确实有研究显示那些把钱花在增加阅历和享受生活的人
After all, studies do show that people who put more of their disposable income towards
往往比那些花钱在购买物品上的人活的更加快乐
experiences and life events tend to be happier than people who put their more toward objects.
而且事实上 尤其是在美国
And it is also very true that, particularly in America,
我们经常会买很多我们其实不需要的东西
we’re often buying way more things than we really need.
如果我们把这些钱用来增加阅历或许会更好
And we’d be better served putting that money toward experiences.
但有一点需要注意的是
But here is the thing.
很多时候 实际上你根本不需要花钱在这上面
A lot of the time you frankly shouldn’t be spending on either.
所有花在体验上的费用都在引导我们去感觉
And the whole spent on an experiences thing leads us feel like
去坦诚认识到 真正的生活体验是买不来的
we should justify really frankly unaffordable life.
有些人或许还记得劳伦特的故事
Some of you might remember Laurent’s story
她在二十岁的时候花光了所有的储蓄(字面意思上) 只为了参加一次西班牙的有趣女孩之旅
about how she literally drained her saving’s account to go on a fun girls trip to Spain when she was about twenty.
而我甚至不能算出我曾经去过的旅行 演唱会和度过的假期的数量
And I can’t even count the number of trips and concerts and vacations that I’ve gone on.
但其实当时它们超出了我的购买力 我这样做仅仅是因为这是一次难得的体验
When I really couldn’t afford it because I was like: It’s an experience.
是超赞且人生在世必做的事 我不能不去做
It’s something awesome and life-based. I can’t not do it.
而当谈及到一些更加重要的事件 比如婚礼的时候
And when it comes to more substantial life events, like say, a wedding,
我们经常不由自主地比实际所需的花费更多钱
we’re often driven to spend way more than we really need to.
因为我们会想 嘿 你只能举办一次婚礼
Because we think: hey, you only do this once,
一定要举办的盛大点 不是么?
it’s got to be big, right?
而像这种花钱买经历的格言 让我们觉得这是理所应当的
And mantras like spending on an experiences make us feel justified in that.
所以对待这种名言 更好的态度是有时候花钱买体验 有时候花钱买东西
So the better version of that quote is really sometimes spend on experiences, sometimes spend on things
有时候则是停止这该死的花费
and sometimes stop fucking spending money.
第二 做你喜欢做的事情
Number Two is: Do What You Love.
这是当前最流行的励志名言之一
Now, this is one of the most prevalent of these dumb inspirational quotes
同时这也是最危险的名言之一
and also one of the most dangerous,
基本上 在过去几十年里 我们产生了这样一个奇怪的观点或是文化
Basically over the past several decades, we’ve come to this weird point and culture,
我们开始把工作同成就感和愉悦感混淆在一起了
where we’ve started to conflate what gives us personal fulfilment and joy with what we do for work.
我们越来越相信我们不仅仅应该从工作中获得成就感
We’ve started to believe more and more that we should not only find our personal fulfilment
还应从中得到对自我身份的认知
but also our self-identity in what we do for money.
这样的心态有很多问题 其中有几个是很重要的
And there are so many problems with this mentality but there are a couple really big ones.
第一个问题是 你被期待热爱你的工作
Number one: expecting to love your work
这意味着你会让工作占据越来越多的时间 并且还觉得这是理所当然的
means you’ll justify it bleeding into more and more areas of your life.
当你深夜十一点还在回复电子邮件的时候
When you’re answering E-mails at 11pm,
你得把它当成是你热爱的事情
that’s just what happens when you’re doing what your love.
第二个问题 不是每个人都能做到热爱他们的工作的 而他们也没必要这么做
Number two: not everyone is going to be able to love their job and nor should they.
有些时候 你不得不去做一份工作
Sometimes you’re going to have to just do a job.
因为你需要工资和稳定的生活 你不必觉得这是个人的失败
Because you need the money and stability and you shouldn’t feel like that’s a personal failure.
第三个问题 工作不是你的朋友
And number three: a job is not your friend.
不管你有多热爱你的工作 它都不会倒回来爱你
No matter how much you love a job, it will never love you back
而且应该绝不会给你的生活赋予大多的个人意义
and should never take up that much of a personal meaning in your life.
如果你能更好地区分工作和业余生活
The more you can separate out what I do for work and what I do with the rest of my life,
你就能更好地平衡工作和生活
the more you’ll have a work-life balance
并且让你获得职业定位外的自我认知
and a good idea of who you are outside of your professional defination.
第三 不要在意其他人的想法
Number three: Don’t Worry About What Other People Think.
我总是发现那些经常说这句话的人
I’ve always found that the people who tend to say this
往往就是那些应该特别在意他人想法的人
also tend to be the people who should most be caring about what other people think.
老实说 大部分人的生活都是意味着融入更大的社会
Let’s be honest, most of life means being a part of a greater society
无论是你的朋友圈 交际圈亦或是职场
whether that’s your friend groups, your relationships, your office whatever.
我们都不可避免地要和他人相处以及分享共同的领域
We all have to get along and share the same spaces
这意味着无论我们是否喜欢这样
and that means that whether or not we like it
我们得去考虑我们是否影响了其他人
we have to be concerned with how we’re impacting other people
在我们的职场生活中 他人对我们的看法
And in our professional lives what other people think of us
对我们能获取多少报酬是一个强有力的要素
is literally the driving factor on how much money we’ll make
我的意思并不是 你要对每个人的意见都感到焦虑困惑
I’m not saying you should be riddled with anxiety about everyone’s opinion
但是如果你毫不在意他人对你的看法
But if you don’t care what other people think of you,
你也很可能不在意自己如何对待他们
chances are pretty high you don’t care how you treat them.
重要的是 在生活中要识别出那些意见对你有用的人
The important thing is identifying the people in your life whose opinions really matter to you
然后努力以达到他们的期望
and working to live up to their expectations.
你需要在意他人的看法 但要理性对待
Do care what other people think within reason.
第四条 趁着年轻去看看世界
Number 4: See The World While You’re Young.
这里给大家一个专业的提示
Here is a pro tip.
任何时候如果你看到一些建议 试图告诉你
Anytime you see a piece of advice that makes it sound like
如果你在三十岁还碌碌无为 那你的生活将失去意义 不要理会它
you fall off a cliff at the age of thirty and no longer have any meaning in life, ignore it.
想旅行的时候就去旅行
Travel whenever you want
更重要的是 不要期望把你所有的快乐和
and more importantly don’t expect to be putting all of your fun and fulfilling life experiences
你生命中的前二十五年充实的生活经历放在一起
in the first twenty five years of your life.
因为如果你这么做了 这就将会是你变成悲剧人物之一的原因
Because if you do, that’s how you end up being one of those tragic people
那些将大学时期视为他们他们人生中最美好的时光的悲剧人物
who talks about how college were the best years of their life.
呸!
Yucks.
第五 早餐是一天之中最重要的一顿饭
Number five: Breakfast Is The Most Important Meal Of The Day.
在这个非常常见的有鞭策激励效果的 生活名言里面有一个非常有趣的事实
Here is a fun fact about this very common inspirational slash motivational slash life quote.
实际上 这个最开始是一则谷物广告
It’s actually originally an ad for cereal.
是的 我承认这不是一个
And yes I grant you this one isn’t a sort of
像其他名言那样积极向上鼓舞人心的名言
like generally positive and inspirational as the rest of them
但这句你平时一直都能听到的话是彻头彻尾的蠢话
But there is still something you hear all the time that is completely asinine.
那些喜欢给出这种基础生活建议的人
People who are in the business of dispensing this really
往往也会有这样的调调:
sort of like general life advice are also often in the business of talking like:
你必须在日出后三个小时内完成一切工作
You have to get everything done in the first three hours after dawn
否则你将一事无成
or you’re never gonna do anything with your life.
然而事实是有些人是夜猫子
The truth is that some people are night owls.
另一个事实是有一些人甚至根本不吃早饭而且他们过得也很好
The other truth is that some people don’t even eat breakfast and they’re fine.
重点是我们应该规划好自己的日程
The point is we should all be structuring our days
因此我们能充分利用这些时间
and the way that allows us to make the most of them
而不是强迫我们遵循某种规定的惯例
and not forcing ourselves into following some kind of prescribed routine.
我几乎从来没有吃过早餐
I’ve almost literally never eaten breakfast my whole life
我过得也很好
and I’m doing great.
第六 把每一天当做你的最后一天来过
Number Six: Live Each Day Like It’s Your Last.
绝对不要这样做
Absolutely do not do this.
有许多理由能说明把每一天当做你的最后一天来过是一个糟糕的建议
There are so many reasons why living each day like it’s your last is a terrible idea.
而最主要的也是最大的一个原因是来自经济上的
But mainly the biggest one is financially.
我们可以在财政上和逻辑上证明有许多错误的决定
There are so many bad decisions that we can justify to ourselves financially or logistically.
如果我们暗示我们自己:好吧 我明天可能会死 所以我今天要做这件事
If we think to ourselves: Well, I could die tomorrow, so I should do this now.
这整个心态表现得像是你的年轻的日子是你能完成许多事情的唯一时间
This whole mentality of acting like your young life is the only time to do a lot of these things
又或是我们不能存活几十年一样
or like we won’t all be around for literal decades.
这种心态让我们陷入了如此困境
It’s what gets us into so much trouble
财务健康比其他任何事情都重要
Financial health is about one thing more than anything else.
而且将会是你未来自身的投资
And that is investing in your future self.
你越能在大的方面把你的生活规范化
The more you can textualize life on a grand scale,
你就能越容易地做出好的财务决定
the more easy it’ll be to make good financial decisions
并且长期地为自己创造舒适的环境
and the more long-term comfort you’ll be able to create for yourself.
把钱放在退休账户里是一件很糟糕的事情
It sucks so much to do things like
因为你会很容易的想到
put money in a retirement account because it’s so easy to think like
我有可能明天会死 所以我应该花费这笔钱进行一次去往马卡略岛的旅行
well I could die tomorrow so I should just probably spend that money on a trip to Majorca.
但是你得把你的钱存进退休账户
But you have to do it.
因为你不仅很有可能会在这里退休
Because not only are you likely to be here for retirement
而且你也想获得这笔钱
you’ll also want that money
迫使你自己替自己的未来考虑能够让你获得这笔钱
forcing yourself to think in terms of your future makes this possible
总而言之
Long story short
不要从家用木制品上面获取理财建议
Don’t get your money advice from wooden blocks at home goods
一如既往地感谢您的观看
So as always, thank you for watching
还有别忘了点击订阅按钮 去Financial Diet.com上浏览更多信息
and don’t forget to hit the subscribe button and go to the Financial Diet.com for more.
再见
Bye
欢迎订阅!更多信息请访问financial diet.com
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视频概述

短片介绍了我们日常生活中经常听到的六种励志名言,并逐一论证了这些意见的荒谬之处。

听录译者

可可天使

翻译译者

梅兰肉肉

审核员

L

视频来源

https://www.youtube.com/watch?v=OkiWkZUlZ_k

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