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你到底需要多少钱?

How much money you actually need..

Money. Our lives revolve around it.
钱 我们的生活围着它转
We all want it. We know we all want it.
我们都渴望钱也深知自己的渴望
Most of it doesn’t even exist beyond the heavy-duty servers of some bank.
大部分钱仅存在于银行的重型服务器中
And yet, the pursuit continues for this elusive thing.
然而 人们却坚持追求这个虚无缥缈的东西
Despite its presence in everyday life,
尽管钱无处不在
despite the fact that we spend most of our waking hours working towards money,
尽管我们醒着的时候 都在为了赚钱而工作
it’s still somehow taboo to talk about it.
对钱 人们仍会避而不谈
We like to pretend that money is not important to us.
我们常假装钱不重要
And, sure, money is not the end goal.
确实 钱不是终极目标
In fact, one of the most common regrets of people on their death-beds tends to
事实上 越来越多人在临终前最常见的遗憾之一是
be that they worked too hard – chasing after money, of course.
为了钱 他们工作得太努力
For all its value, however, money still can’t buy you a meaningful relationship, or an experience.
尽管钱有其价值 可它买不到一段有意义的关系或经历
But, while money can’t buy any of those things, it can make them more accessible.
虽然买不到 但是钱能帮你更容易地得到它们
Is happiness not easier to achieve once you know the bills are all taken care of?
若你的账单都缴清了 得到幸福是不是变容易了?
Is happiness not easier to achieve when you are able to
当你有能力给心爱的人买他们应得的东西
give to a loved one something you know they deserve?
得到幸福是不是变容易了?
At the very least, more money often equates to more choice in terms of
至少 更多的钱通常等于你有更多的选择
how you wanna spend your time –
来决定自己要把时间花在哪儿
whether that is with your loved ones or in chasing a passion you had as a kid.
可能用来与所爱的人共度或追逐儿时的梦想
And even if you disagree with everything I just said,
哪怕你不认同我刚才说的每句话
in order to change the world, you will still need the backing of financial capital.
为了改变世界 你仍需要金融资本的撑腰
Now, with that said, and hopefully having navigated through the awkwardness of introducing such a topic,
话已至此 希望导入本话题的尴尬环节已经过去了
let’s cut right to the chase.
现在直奔主题吧
How much money should you be making? How much is enough?
你该赚多少钱?多少才算够?
And, mind you, there is a very good reason to ask such a question.
而且 你要记住 提出这个问题是有重要原因的
This is not just for curiosity’s sake.
可不只是好奇心驱使
Studies show that when you have actually put a metric to a goal, and maybe even written it down,
研究表明 当你制定详细目标 甚至写下来
you are more likely to achieve it.
就更可能实现它
People who vividly picture a goal
对目标有具体蓝图的人
are 40% more likely to successfully achieve it.
成功达成的可能性比其他人多40%
So, how much? What does the literature say?
那么 多少钱才够?书里怎么说?
Well, the relationship of money and happiness is a complicated one.
钱与幸福之间的关系是错综复杂的
First of all, emotions are generally hard to track,
首先 情绪通常难以把握
and second of all, this question has not been researched all that much.
其次 这个问题还没被研究透彻
However, anyone talking about this topic has to
不过 讨论这个话题的人需要
bring up a piece of literature from 2010 authored by Daniel Kahneman and Angus Deaton.
参考下2010年Daniel Kahneman和Angus Deaton发表的文章
Their paper looks into the relationship between income and happiness.
他们的论文聚焦于收入与幸福的关系
But it goes a bit beyond that.
不过讨论到了更深层次
The authors decided that simply looking into one metric
作者们认为 简单地用一种尺度
as a measure of subjective well being
来衡量幸福这种主观的东西
would fail to capture the complete picture and confound the findings.
无法观其全貌 容易产生错误结论
So they looked at 2 things:
所以他们着眼于两件事:
emotional wellbeing, which is defined as the day to day satisfaction,
情绪幸福 即每天的满足感
and life evaluation,
生命估值
defined as the thoughts that come to mind when one thinks of life as a whole.
即把一辈子作为整体去看所得出的想法
You could also think of emotional wellbeing as sort of the short term happiness
你可以把情绪幸福看作短暂的幸福
and life evaluation as the long term happiness.
生命估值则指长期的幸福
Now, what did the research find?
那么 研究发现了什么呢?
It turns out, life evaluation rises steadily with income
结果表明 生命估值随收入稳步增长
– the more people earn, the more positively they tend to think of life in general.
人赚的越多 越倾向于积极地看待一生
Emotional wellbeing, on the other hand,
而另一方面 情绪幸福
seems to plateau after an annual income of around $75,000
似乎在年收入达到75000美元后增长缓慢
– meaning till that figure,
也就是说 年收入低于这个数字
for the majority of people,
大部分人会随着
each bit of raise in income will feel great,
收入每一点一滴的增长而感觉良好
but after it, your day to day happiness won’t go up by that much.
可若年收入超过这个数字 每天的幸福感就不会增加太多
So, there it is, right? That’s the magical number.
是这样的 对吧? 真是个有魔力的数字
Well, not quite.
嗯……也没那么绝对
For one, this is a study from 2010. Because of inflation,
首先 2010年的一项研究表明 由于通货膨胀
today, that amount is closer to $93,000 USD.
在今天的美国 这个数字已趋近93000美元
And I should also mention that this study was conducted with US residents as participants.
而且如我前文所说 该研究的参与者是美国居民
What is considered a “good life” will definitely vary drastically in other parts of the world, let’s get that right.
我们得承认 其他国家对“美好生活”的定义一定是截然不同的
Just recently, in the first few weeks of 2021,
最近 就在2021年的前几周
researcher Matt Killingsworth published the latest findings on the very same question.
研究员Matt Killingsworth也据相似问题发布了最新发现
How much money should you be making to be happy?
为了快乐 该赚多少钱?
His findings?
他的研究结果是?
Experienced well-being continues to rise
年收入超过梦寐以求的75000美元后
even beyond the coveted $75,000 mark.
情绪幸福仍持续增长
And not just that, it continues to rise just as steeply as before
而且 涨幅也未减缓
– meaning the return on investment isn’t any worse off the more money you make.
意味着 情绪回馈完全不会因为你赚得越来越多而减少
Why does this research disagree with previous findings?
为何此研究与前人研究结果不同呢?
Well, for a paper by Kahneman and Deaton, the data that
Kahneman和Deaton论文中收集的
was collected for emotional wellbeing were
与情绪幸福相关的数据
answers to questions about the previous day.
都是参与者对过去经历的回答
That has the potential to fail to capture what a person was actually feeling in that moment of happiness or sadness
它可能没捕捉到人们在幸福或悲伤当下的即刻感觉
because our minds tend to play tricks with us.
因为大脑常会骗人
Killingsworth’s research, meanwhile,
而现在 Killingsworth的研究
is collected via an app which pings users at various times of day.
通过每天会多次提醒用户的app采集数据
It is more convenient than the traditional forms of surveying and,
比传统调查形式方便得多
as such, he had a significantly larger pool of responses to base his findings on.
也因此 他得出的结果是基于比前人多得多的反馈
This also allowed him to more truly capture what participants were feeling.
这使他更加准确地捕捉到了参与者的感受
So, if we are to accept Killingsworth’s findings,
那么 若我们同意Killingsworth的发现
then both people’s day-to-day happiness, as well as their general outlook on life
则人们每天的幸福感和对待生活的态度
tend to improve with higher income.
通常会随着工资变多而升高
So does that mean we should all just aim for an astronomically high salary
所以这意味着 为了能在未来获得的幸福与希望
in search of happiness and hope that we get there someday?
我们该定个极高的薪资目标吗?
Is that a realistic target?
这个目标现实吗?
There’s a thought experiment to try to answer that question for us as individuals.
有个思想实验尝试回答我们这个问题
Author Brad Stollery came up with the idea for the experiment.
Author Brad Stollery为了得到答案提出了一个想法
It goes like this:
这个想法是:
How much money would you have to be paid, right here, right now
如果你将来再不会有任何收入
to never receive another dollar of income from anyone else?
你现在需要得到多少钱?
Now you might think that that’s a straightforward experiment –
你也许觉得这个实验结果太显而易见了
you just aim for a really really high number.
你会给出一个很大很大的数字
Somewhere in the hundred millions or billions for most people, I guess.
我估计大部分人会说上百万或者数十亿
The catch is that this experiment
可该实验有个精妙的设计:
will be run in groups of 5 people and whoever has the lowest figure in mind
五人一组 每组给出最低数字的人
will actually walk away with the money.
真的可以拿钱走人
The rest of the players get nothing.
其余人不得分文
The game theory at play here is actually quite cool.
这游戏的原理真的很酷
The interesting thing about this experiment is that
该实验最有趣的地方在于
it pits two of your impulses against each other,
你的两个目标是相互冲突的
and in doing so forces you to be reasonable.
为达目的 你需给出合理的答案
Because, of course you wanna aim for a high number,
因为 你当然想要很多钱
but you also wanna win and have the money.
可你也想要赢取奖金
So you just can’t aim for a stupidly large number.
因此 你不能单纯地给出一个高得离谱的数字
Of course, this experiment is talking about money paid as a lump sum
没错 大部分实验着眼于薪水
while most of the research looks at salaries.
可本实验探讨的是总额
The perceptions of wellbeing might as well be different for the two of them,
二者所带来的幸福的意义可能也不同
but it’s hard to see why the thought experiment won’t work with salaries too.
但薪资的概念在这个实验中也同样受用
Go ahead and ask yourself that question and see what you come up with.
继续问问你自己这个问题 看看你想到了什么
The answer might help you more vividly visualize a target that you can work towards.
答案也许能帮你更形象地得出你工作的目的
Of course, we all want to achieve happiness,
当然 我们都想得到幸福
but more income is easier said than done.
可涨薪说来容易做来难
When should we really stop trying?
我们何时该停止为此努力呢?
And what if the circumstances are simply not there for a raise or a promotion?
如果工作环境就不存在升职加薪的可能怎么办?
Well, that’s where the other part of the puzzle comes in:
那么另一个难题就来了:
our adaptation.
我们的适应性
Don’t get me wrong – it’s a wonderful thing.
别误会 这是好事
Being able to adapt is what has allowed our species to come so far.
适应性使人类走到今天
But at the same time, it also means
可与此同时 它也意味着
whenever presented with an improved quality of life,
无论我们达到了多么高的生活质量
we rapidly adapt to it and begin taking it for granted.
我们都会迅速适应并认为这是理所应当的
It would explain why most people live their lives from 9 to 5 chasing after that next raise,
这解释了为何大部分人为了下一次加薪朝九晚五
because staying where you are, regardless if you
因为除非你月入五位数或七位数
make 5 figures a year or 7,
否则止步不前
brings with it a heavy feeling of obsolescence.
会让你觉得自己在快速退步
Then there’s obviously an element of comparison.
显然竞争因素也不容忽视
We have known this for a while now that comparison is the thief of joy.
我们早就知道攀比心是幸福的小偷
You might have a 7 figure salary,
你可能月入七位数
but you won’t be anything close to happy if you compare yourself with Jeff Bezos,
可和Jeff Bezos这个钱比脑细胞还多的人一比较
who has more money than brain cells.
就一点也高兴不起来了
Literally.
确实
Studies also show that for the same salary,
研究同样表明 薪资相同的情况下
people living in a rich neighborhood feel worse than people in a poor neighborhood.
住富人区的比住穷人区的感觉更差
While both participants likely take joy from their salaries,
这两种实验的参与者都会从高薪中获得快乐
they also compare them with that of the “Jones” .
可也会与“别人家的孩子/爸妈”进行比较
If the Jones’ make less than you, you are happy;
如果人家赚得比你少 你就开心
if they make more, you are not.
比你多 你就难受
Research also says easily accessible money improves wellbeing more than money that is
研究还表明 唾手可得的钱比积攒的退休金
stowed deep inside someone’s pension.
更能提升幸福感
The closeness of a number that you can glance out of your pocket
你打开钱包那刻瞟到的钞票数字
can be a reassuring breath of air.
能让你立刻安心
Having only $500 worth of disposable money in a bank account
银行账户只需要有500美元的活期余额
can improve life satisfaction by up to 15%.
就能提升高达15%的生活满足感
Then, of course, there is a question of what you do with the money that eventually leads to happiness.
当然 你把钱用来干什么 决定了你的幸福指数
If you simply make more money for making money’s sake,
如果你仅仅是为了赚钱而赚钱
you might still get some joy out of it, assuming you are successful,
假设你成功了 也许还是能得到一些乐趣
it’s much like a game.
但这更多就成了一场游戏
But the elation will pale in comparison to that of a person
和把辛苦钱合理利用的人相较
who spends his hard-earned cash in a better way.
这种快乐是短暂的
Buying time is often seen as one of the best ways to spend your money
“购买时间”通常被视作最好的花钱方法之一
in that it allows you to focus on the most joyous aspects,
因为它使你专注做最有趣的事
while offloading the more laborious aspects to someone else who will happily do them.
繁琐的事就让喜欢做的人去做
The gig economy has made this more accessible than ever before –
零工经济使够买时间变得空前方便
allowing people to spend more of their time for the things that truly matter,
人们能花更多时间做真正重要的事
even if it means having a little less in the bank account.
不过这意味着银行账户里的钱会变少
This might mean paying someone to do the dishes
也就是说 你可以花钱请人来洗碗
so you can read a book to your child in bed,
而你在被窝里给孩子读书
or it could mean purchasing a more expensive ticket to be able to spend some time with family.
或者买高价票 就能去和你的家人共度时光
Material possessions also draw a lot of attention when it comes to the relation between wealth and happiness.
当提到财富与幸福的关系时 物质财富也极受关注
The research is clear on this too – spend on experiences, not things.
相应的研究结果也很明了——要花钱买体验 而非买东西
The reason is that experiences are exclusive,
原因在于 体验是独一无二的
nobody can feel what you felt on that trip with your best friend.
与你最好朋友旅行的感受除了你无人能体会
Nobody can buy that exclusivity.
没人能买到这份独家体验
Despite the fleeting nature of an experience,
尽管体验是转瞬即逝的
it can last a lifetime.
却能让你永生难忘
And, unlike the value of objects, which tend to depreciate over time,
而且 不像物品会随时间的流逝而贬值
experiences only seem more enjoyable in hindsight.
事后回味时 这次体验会变得更有趣
Our minds tend to overlook the small bumps in an experience,
我们的大脑会忽略那些体验中的小插曲
– the delayed flight, or the poor wi-fi –
比如延迟的航班 信号很差的网络
and remember only the good parts.
只留下美好的部分
So instead of aiming for a certain salary figure,
所以与其以特定的薪资为目标
it might make more sense to
以人生体验为目标
aim for experiences, and pursue the ability to afford those experiences.
并追求能实现该体验的能力 也许更合理
Of course, this is not to say that material possessions cannot be an experience.
当然 这不代表物质财富就不能成为一种体验
A song might be an experience. A cup of coffee might be an experience.
一首歌曲可以是一种体验 一杯咖啡可以是一种体验
An expensive car might be an experience.
一辆昂贵轿车也可以是一种体验
That’s really up to the individual to decide.
这确实取决于个人看法
But people generally overestimate how happy they will be once they have that one new thing.
可人们总是高估了新事物能带给自己的快乐
However, once we have it, the feeling of satisfaction slowly erodes
一旦拥有 随着满足感就会逐渐消退
and we are back where we started.
我们就会回到刚开始的状态
On some level it might be a bit troubling to accept that money does indeed “buy” happiness,
某种程度上人们很难接受:钱确实可以“买”到幸福
or at the very least buys ways towards happiness.
或至少买得到通往幸福的道路
But, really, haven’t we known this all along?
可说真的 我们早就心知肚明了吧?
More importantly, though,
然而更重要的是
this realization has to be qualified with the ideas of what’s really important –
想用钱买幸福 要知道哪些事真的重要
people, experiences, and time.
那就是人 体验 和时间
Not only can it inform our career choices
它们不仅决定了我们的职业选择
and how much we want to invest chasing after this “thing,”
也决定了我们愿意投入多少来追求它们
but it also tells us why generosity is important,
还告诉我们为何慷慨很重要
why a more equitable future is one to strive for.
为何有人为得到更公平的未来而拼搏
Because remember, the only reason any of us want money
请记住 这是因为 大家想要钱的根本原因是
is to inevitably get rid of it in the end.
是为了最后能花掉它 摆脱它的束缚

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赚多少钱才能觉得幸福?视频作者提到了多个实验,希望看完本期视频,对钱,你能收获更多思考。

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