ADM-201 dump PMP dumps pdf SSCP exam materials CBAP exam sample questions

你真的能够在30岁时退休吗? – 译学馆
未登录,请登录后再发表信息
最新评论 (0)
播放视频

你真的能够在30岁时退休吗?

Can You Really Retire in Your 30s?

当1935年《社会保障法》通过时
When the Social Security Act was passed in 1935,
人们65岁开始正式退休
retirement officially began at 65.
当时 人们的预期寿命是58岁
And the life expectancy at the time was 58.
所以从一开始
So from the very outset,
“退休”并不是一种普遍的体验
“ retirement ” wasn’t exactly considered a universal experience.
但经过上个世纪 随着预期寿命的延长
But over the last century as life expectancies have climbed,
“退休”这一概念
the concept of retirement has
成了“人生最后阶段”的同义词
become synonymous with the final chapter ina person’s life.
接着呢 《要钱还是要命》一书在九十年代出版了
Then the book “ Your Money or Your Life ” came ou tin the 90’s
并引入了一个全新的观念
and introduced a radical concept
该书的作者薇姬·罗宾
The author, Vicki Robin,
建议年轻人们过几年极度节俭的生活
proposed that by living with extreme frugality for a few years,
那样早在年老之前 他们基本上就能进入“退休状态”
younger people could essentially become “retired”long before old age.
薇姬声称自己在20岁时就实现了经济独立
She claimed to have achieved financial independence…in her 20’s!
今天 在年轻时就实现经济独立这一现象
Today the phenomenon of financial independence at a young age
的首字母缩写是“FIRE”
goes by the acronym fire
它代表“财务独立 提前退休”
It stands for “Financial Independence; RetireEarly”.
这不是一个边缘运动
And it’s no fringe movement –
《纽约时报》 《市场观察》和《福布斯》报纸都报道了“FIRE”
FIRE has been covered by the New York Times, Market Watch, and Forbes.
而且 越来越多的千禧一代
And it’s got more and more millenials
想知道“我是否也能辞掉我的日常工作呢?”
wondering “ could I quit my day-job too? ”
这并不意味着退出社会 或者在一个山洞里过着与世隔绝的生活
This isn’t about dropping out of society or living in a cave… necessarily.
“财务独立 提前退休”的实践者们工作非常努力 他们多年来一直过着简朴的生活 花的比赚的少很多
FIRE practitioners work extremely hard while living far below their means for years
以积累足够的储蓄离开工作队伍
to amass enough savings to leave the workforce.
这并不意味着 你要像杰夫•勒博斯基那样
And it doesn’t mean you will spend your newfound freedom
把新获得的自由消磨在保龄球馆里
just hanging out in bowling alleys like Jeff Lebowski.
许多设法提前退休的人会一直工作
Many people who manage to retire early continue to work —
只不过 仅限于为他们热衷的事业工作
but only on projects they’re passionate about.
但问题依然存在——仅靠储蓄是否有可能实现FIRE?
But the question remains… is it possible to achieve through savings alone?
彼得·阿登尼 又名“钱胡子先生”
Peter Adeney, aka “Mr.Money Mustache”
可能被认为是现代“FIRE观念”的先驱者
might be considered the modern FIRE movement’s founding father.
阿登尼当时是一名软件工程师
Adeney was working as a software engineer
却在他20多岁的时候 过着远低于他收入水平生活
while living dramatically below his means during his 20’s.
他用积蓄还清了债务
He took his savings and paid off debt
并投资了股票指数基金
and invested it it in stock-index funds.
到2005年 他30岁出头的时候
By 2005 and in his early-30’s,
阿登尼和他的妻子已经积累了大约60万美元 并全款买了房
Adeney and his wife had amassed around $ 600,000 and a paid-for home.
他计算出自己已经存够了钱这些钱足以保证他永久离开劳动力市场
He calculated he had enough to leave the work-force-permanently.
阿登尼认为 通过三个基本概念实现提前退休是可能的
Adeney suggests that Early-Retirement is possible through three fundamental concepts:
这三个基本概念是:节俭 投资以及“4%取款原则”
Frugality, Investing,and the “4% Rule” of withdrawals.
我们来面对现实: 除非你获得了一大笔意外之财
Let’s face it – unless you luck into a large windfall of cash,
否则你得攒钱 攒够一笔可观的退休储蓄
you’ll have to save upa serious nest egg to retire.
最简单的方法就是:减少生活开销
And the simplest way to do that is to slash your lifestyle.
通常 财务顾问会建议10%- 15%的储蓄率
Normally,financial advisors suggest a 10-15 % savings rate
这样的储蓄率能让我们在正常的退休年龄—— 65岁左右退休
to retire at a normal age of 65 or so.
想提前退休?
Want to retire ahead of schedule?
那你就得把储蓄率提高
Then you’ll have to level that up.
大多数提前退休的人都有50%到75%的储蓄率…或更多!
Most early-retirees adopt a 50% to 75% savings rate… or more!
常见的是 他们削减了在餐馆和酒吧的开支
It’s not uncommon for them to cut restaurants & bars,
买便宜的汽车 骑自行车上班
buy cheap cars, bike to work,
住小一点的房子 避免像健身房
make do with a smaller house, and avoid luxuries like gyms,
奢华的假期 昂贵的爱好 那样的花钱多活动
fancy vacations, and expensive hobbies.
把现金都存入银行账户是一个好的开始
Simply stashing cash into a bank account isa good start.
但是FIRE观念的支持者们
But the FIRE proponents rely on the power of the markets
依靠市场的力量 来提高他们的储蓄率
to boost their savings rates.
假设你把钱存进了一只普通的股票指数基金
Assuming you saved your money into a general stock-market index fund,
你可能会期望 7%-10%的回报率——这一期望是基于历史平均水平估计的
you might expect 7-10% rate of return, based on historicalaverages.
而任何有经验的投资者都会告诉你
Any experienced investor will tell you
年回报率可能会大幅波动 甚至崩溃!
that year-to-year returns will swing wildly, maybe even crash!
这就是第三条规则的由来
So that’s where the third rule comes in…
三一大学1998年的一项研究得出结论
A 1998 study by Trinity University concluded
退休后 每年按4%的提现率所取出的存款
that a 4 % annual withdrawal rate of your money in retirement
应当足够你的开销 不会导致你在老年阶段缺钱
should allow you to never out-live your money –
即使在经济不景气的时候
even in a bad economy.
这意味着 即使股票和债券市场的年回报率
This means that even with the dramatic ups and downs
有戏剧性的起伏
of the stock and bond market,
但只要你的年开支保持在全部储蓄的4%以下
as long as your yearly expenses stay below 4 % of your total savings,
从理论上讲 你的钱永远够花
you should be able to live off them for… well, theoretically,forever.
换句话说:考虑每年的消费需求 然后乘以25
Put another way: you take your annual spending needs, then multiply it by 25.
得到的乘积就是你实现财务独立所需要达到的数额
That’s the amount you need to become financiallyindependent.
现在 我猜你正在想
By now I imagine you’re wondering
如果想早点退休 你会需要什么?
what it would take if YOU wanted to to retire early.
我想是时候…计算数据啦!
I think it’s time to… RUN THE NUMBERS!
假设你有85000美元的家庭收入
Let’s imagine you have a household income of $ 85,000,
但你的生活开销远远低于你的收入
but you live way below your means
而且只需35000美元/年就足够让你开心
and only need $35,000/yr to be happy.
那么 根据我们“4%的年提现率”原则
According to our rule of 4 %you’ll need
你需要87.5万美元的银行存款才能维持财务开销 实现财务独立
$ 875,000 in the bank in order to be financially independent.
通过极度节俭和积极削减成本
Through extreme thrift and aggressive cost-cutting,
你每年能够省下5万美元
you’re able to save $ 50,000/yr,
这5万美元占你年收入的59%
which comes to 59% of your annual income.
按照这样的储蓄率
At that rate of savings,
假设你投资的的股票指数基金平均回报率为7%
and assuming your stock-index funds got an average return of 7%,
你将在…… 12年内实现财务独立的目标
you’ll have hit your goal in… 12 years.
你只需要:收入高 生活节俭
A good income, frugal living,
再加上投资复利——一种强大的财富积累组合
and compound interest are a powerful wealth-building combination.
你可能会问 什么?如果我赚不了很多钱怎么办? 还有可能实现财务自由吗?
You might be wondering “ What if I don’t make a ton of money? Is this realistic?”
这些问题就代表了关于“提前退休运动”的普遍观点
A common critique of the Early Retirement movement
阿登尼和其他“提前退休运动” 的领导人
is that Adeney and other leaders of the movement
都从事着医学或者工程类的高薪工作
had high-paying jobs in medicineor engineering.
虽然赚大钱当然可以加快实现财务自由的过程
Making big bucks can certainly speed up theprocess.
但这不是必须的
But it’s not a requirement.
举吉莉安·约翰舒鲁德的例子
Take Jillian Johnsrud.
她开始为经济独立而努力时 才19岁
She began working towards financial independenceat age 19.
她的丈夫在军队服役
Her husband served in the armed forces
而她从事客户服务和销售方面的工作
and she worked in customer service and sales.
在接下来的13年 他们的家庭收入达到6万/年的平均水平:
over the next 13 years they made an average household income of $60,000
没有一年超过六位数
with no year over six-figures.
到她32岁时 吉莉安已经攒够了钱完全经济独立了
And by 32 Jillian had saved enough to be completely financially independent.
努力实现经济独立的同时 吉莉安不仅抚养了养子和亲生孩子 还要爬山 还清了52000美元的债务
All while raising adopted & biological children and climbing out of $ 52,000 of debt.
她利用空闲时间周游全国 写作 抚养孩子
She uses her freed-up time to travel the country, write, and raise her children.
现在 她从事作家和教练的工作 但这是以她自己的条件为前提
Today she does some work as a writer and coach, but it’s on her terms.
如果你认为“提前退休”
If you think that “ early retirement ”
仅仅意味着 无所事事 逃避工作
is all about lounging around and avoiding work,
你就误解了
you’ve missed the point.
相反地 提前退休是采取积极的手段 用你喜欢的工作取代你讨厌的工作……
Instead,it’s about taking an active step to replace a job you hate with work you love…
而资金往往是最大的障碍
and often finances are the biggest hurdle.
正如阿登尼所说的FIRE现象
As Adeney says about the FIRE phenomenon:
提前退休意味着 辞去任何你不喜欢的工作
“ Early retirement means quitting any job you wouldn’t do for free
然后继续做一些对你有用的事情
– but then continuing right ahead with work in something that works for you,
即使在你不需要钱的时候
even when you don’t need the money.”
如果你已经找到了一份令你满意的工作 恭喜你
And if you’ve already got a fulfilling job you love — congratulations,
你已经享受了提前退休的好处 而不用为此存钱!
you already have the benefits of early retirement without having to save up for it!
所以 无论你是否想要提前退休
So whether or not you want to sprint toward early retirement,
你都要有“减少开支”的心态 去过更简约的生活
the mindset of reducing your lifestyle living simpler
并创造一个更有价值的工作生活方式
and building a more rewarding work-life
是我们所有人都应该追求的目标
is something we should all be aiming for.
这就是——我们的观点!
And that’s our Two Cents!
如果你今天退休
If you were to retire today,
你会如何利用你新获得的自由?
what would you do with your newfound freedom?
请在评论区告诉我们噢
Tell us about it in the comments.

发表评论

译制信息
视频概述

该视频引入了“财务独立,提前退休”的新观念,并论证了在年轻时实现这一目标的可行性、给出方法。

听录译者

收集自网络

翻译译者

SilentOwl

审核员

审核员 V

视频来源

https://www.youtube.com/watch?v=8si7cqw9wm0

相关推荐