国外网友讨论：是什么让中老年人陷入财务困境？
正文翻译
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Increasing their standard of living every time they get a raise.
每次加薪，他们的生活水平都会提高。
Increasing their standard of living every time they get a raise.
每次加薪，他们的生活水平都会提高。
So lifestyle creep.
所以生活方式发生了变化。
所以生活方式发生了变化。
Normally, sure. Right now? Inflation creep.
Absolutely ludicrous what rent for my area has gone to in a year.
正常情况下，当然可以。现在？通货膨胀蔓延。
我所在地区的租金在一年内涨到了绝对荒谬的程度。
Absolutely ludicrous what rent for my area has gone to in a year.
正常情况下，当然可以。现在？通货膨胀蔓延。
我所在地区的租金在一年内涨到了绝对荒谬的程度。
I know someone who lived in an apartment in 2010 for $495. They moved out but had to move to those same apartments last year, $1050. Same apartment
我认识一个人，他在 2010 年以 495 美元的价格住过一套公寓。他们搬了出去，但去年不得不搬到同样的公寓，价格为 1050 美元。同一套公寓
我认识一个人，他在 2010 年以 495 美元的价格住过一套公寓。他们搬了出去，但去年不得不搬到同样的公寓，价格为 1050 美元。同一套公寓
I paid $295 in 2004. The same place is around $1540 now. Wages have not kept up.
2004 年我支付了 295 美元。同样的地方现在大约是 1540 美元。工资没跟上。
2004 年我支付了 295 美元。同样的地方现在大约是 1540 美元。工资没跟上。
They haven’t kept up for most of 50 years
50年来的大部分时间他们都没有跟上
50年来的大部分时间他们都没有跟上
We’ve had 40 years of tax cuts for the rich, and people are surprised that they now own everything.
我们已经为富人减税了 40 年，人们惊讶地发现他们现在拥有一切。
我们已经为富人减税了 40 年，人们惊讶地发现他们现在拥有一切。
But the working class KEEPS getting tricked into supporting upper class tax cuts. Like every damn time
但是工薪阶层一次又一次地被骗，支持上层阶级的减税。每一次都一样的结果。
但是工薪阶层一次又一次地被骗，支持上层阶级的减税。每一次都一样的结果。
I just looked it up. My first apartment out of college in 2008 was $725. It had some minor renovations (took out the carpet, put in vinyl floors is the biggest it seems- no change to layout) and it’s now $1475. I will say in looking at the website, they’ve done quite a bit to upgrade the amenities. Not enough to double the rent price, but it’s quite nice.
In 2019 I paid $1500 for a 3b/2.5ba house with a fenced in back yard. I lived there until I bought my own place in 2021. It’s currently renting for $1850.
我刚刚查了一下。2008 年，我大学毕业后的第一套公寓是 725 美元。它进行了一些小的翻新（最大的翻新似乎是拆掉了地毯，铺上了环保新型地板，但布局没有改变），现在的价格是 1475 美元。我想说的是，从网站上看，他们对设施进行了不少升级。虽然还不足以让租金翻倍，但已经相当不错了。
2019 年，我花了 1500 美元买了一套 3 房 2.5 厅的房子，后院有围栏。我一直住在那里，直到 2021 年买了自己的房子。目前的租金是 1850 美元。
In 2019 I paid $1500 for a 3b/2.5ba house with a fenced in back yard. I lived there until I bought my own place in 2021. It’s currently renting for $1850.
我刚刚查了一下。2008 年，我大学毕业后的第一套公寓是 725 美元。它进行了一些小的翻新（最大的翻新似乎是拆掉了地毯，铺上了环保新型地板，但布局没有改变），现在的价格是 1475 美元。我想说的是，从网站上看，他们对设施进行了不少升级。虽然还不足以让租金翻倍，但已经相当不错了。
2019 年，我花了 1500 美元买了一套 3 房 2.5 厅的房子，后院有围栏。我一直住在那里，直到 2021 年买了自己的房子。目前的租金是 1850 美元。
you think that’s bad? i lived in a luxury apartment in 2011 for $700, it’s now around $2k
你觉得那不好吗？ 2011 年，我以 700 美元的价格住在一套豪华公寓，现在大约是 2000 美元
你觉得那不好吗？ 2011 年，我以 700 美元的价格住在一套豪华公寓，现在大约是 2000 美元
This is why you buy. Mortgages are more expensive than rent now. But not in a decade.
这就是你买房的原因。现在抵押贷款比房租还贵。但十年之内不会。
这就是你买房的原因。现在抵押贷款比房租还贵。但十年之内不会。
We have been renting or current condo since 2020 for $1250. We are now having to move to a different unit but exactly the same for $1800. It’s really nothing special. Cost of living is a nightmare here.
自 2020 年以来，我们一直以 1250 美元的价格出租或现有公寓。我们现在不得不搬到另一个单位，但一模一样，价格为 1800 美元。确实没什么特别的。这里的生活成本是一场噩梦。
自 2020 年以来，我们一直以 1250 美元的价格出租或现有公寓。我们现在不得不搬到另一个单位，但一模一样，价格为 1800 美元。确实没什么特别的。这里的生活成本是一场噩梦。
This. Came here to see what I’m doing wrong. No credit card debt, building up my pension, putting money in a Roth IRA on top of that, doing public service loan forgiveness, great health insurance. But rent, groceries and the electric bill are putting me OUT. Turns out I fucked up by being born poor 。
这个。我来这里是想看看我做错了什么。我没有信用卡债务，也预存了养老金，在此基础上还把钱存入罗斯退休储蓄计划（Roth IRA），享受公共服务贷款豁免，医疗保险也很好。但房租、日用品和电费上涨让我吃不消。原来，我生来就是穷人，我搞砸了。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
这个。我来这里是想看看我做错了什么。我没有信用卡债务，也预存了养老金，在此基础上还把钱存入罗斯退休储蓄计划（Roth IRA），享受公共服务贷款豁免，医疗保险也很好。但房租、日用品和电费上涨让我吃不消。原来，我生来就是穷人，我搞砸了。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
You aren't wrong in the slightest. Even so, inflation creep and lifestyle creep aren't mutually exclusive.
你一点都没有错。即便如此，通胀蔓延和生活方式蔓延并不相互排斥。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
你一点都没有错。即便如此，通胀蔓延和生活方式蔓延并不相互排斥。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Calling it “inflation” is a little misleading. There’s “inflation”, and there’s real estate prices. “Inflation” by itself suggests overall inflation, which is a different thing.
将其称为“通货膨胀”有点误导。有“通货膨胀”，还有房地产价格。 “通货膨胀”本身就意味着总体通货膨胀，这是另一回事。
将其称为“通货膨胀”有点误导。有“通货膨胀”，还有房地产价格。 “通货膨胀”本身就意味着总体通货膨胀，这是另一回事。
It's really not.
Housing/rental supply is affected by inflation. High costs mean there's going to be fewer new developments.
With demand then high and without the need to attract renters with lower rates, landlords will charge the highest they can for full occupancy.
确实不是。
住房/租金供应受到通货膨胀的影响。高成本意味着新开发项目将会减少。
由于需求旺盛，并且不需要以较低的价格吸引租户，房东将尽可能收取最高的租客费用。
Housing/rental supply is affected by inflation. High costs mean there's going to be fewer new developments.
With demand then high and without the need to attract renters with lower rates, landlords will charge the highest they can for full occupancy.
确实不是。
住房/租金供应受到通货膨胀的影响。高成本意味着新开发项目将会减少。
由于需求旺盛，并且不需要以较低的价格吸引租户，房东将尽可能收取最高的租客费用。
Yep I live in a cheap area of the UK but now it's comparative to good areas I'm debating moving
是的，我住在英国的一个廉价地区，但现在它与我正在考虑搬家的优质地区相比
是的，我住在英国的一个廉价地区，但现在它与我正在考虑搬家的优质地区相比
Absolutely ludicrous what rent for my area has gone to in a year.
My rent is set to double at the beginning of the year. Sad thing is, I'll still be renting one of the cheapest places in my county because of how much more rent has went up everywhere.
Apartments that used to go for $550 are going for $1300+. Old homes that used to rent for $800 are going for $1400+. New builds are going for upwards of $2k+/m to rent.
Income sure hasn't increased like that though. The median income for my area is only $35k/year.
我所在地区的租金在一年内涨到了绝对荒谬的程度。
我的租金预计在今年年初翻倍。可悲的是，我仍然会租用我县最便宜的地方之一，因为各地的租金都上涨了很多。
过去售价 550 美元的公寓现在售价 1300 美元以上。过去租金为 800 美元的老房子现在要涨到 1400 美元以上。新建筑的租金高达每平方米 2000 美元以上。
但收入肯定没有像那样增加。我所在地区的平均收入仅为 35,000 美元/年。
My rent is set to double at the beginning of the year. Sad thing is, I'll still be renting one of the cheapest places in my county because of how much more rent has went up everywhere.
Apartments that used to go for $550 are going for $1300+. Old homes that used to rent for $800 are going for $1400+. New builds are going for upwards of $2k+/m to rent.
Income sure hasn't increased like that though. The median income for my area is only $35k/year.
我所在地区的租金在一年内涨到了绝对荒谬的程度。
我的租金预计在今年年初翻倍。可悲的是，我仍然会租用我县最便宜的地方之一，因为各地的租金都上涨了很多。
过去售价 550 美元的公寓现在售价 1300 美元以上。过去租金为 800 美元的老房子现在要涨到 1400 美元以上。新建筑的租金高达每平方米 2000 美元以上。
但收入肯定没有像那样增加。我所在地区的平均收入仅为 35,000 美元/年。
Yep. Lived in my place from 2014-2021 at $875 and then my Landlord decided to sell. Moved to an apartment 1/4 mile away and my rent jumped to $1490 and it’s increased nearly $200 in the two years I’ve been here. It’s ridiculous. My apartment is actually pretty spacious for the price and the price is on the cheaper side for my area.
是的。 2014 年至 2021 年期间以 875 美元的价格住在我的房子里，然后我的房东决定出售。搬到 1/4 英里外的一套公寓后，我的租金跃升至 1490 美元，在我来这里的两年里，租金上涨了近 200 美元。这太荒谬了。就价格而言，我的公寓实际上相当宽敞，而且对于我所在的地区来说，价格也比较便宜。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
是的。 2014 年至 2021 年期间以 875 美元的价格住在我的房子里，然后我的房东决定出售。搬到 1/4 英里外的一套公寓后，我的租金跃升至 1490 美元，在我来这里的两年里，租金上涨了近 200 美元。这太荒谬了。就价格而言，我的公寓实际上相当宽敞，而且对于我所在的地区来说，价格也比较便宜。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
That’s what I keep doing, but it’s getting harder when the paycheck stays the same, but the bills go up.
这就是我一直在做的事情，但当薪水保持不变但账单却上涨时，事情就变得越来越困难。
这就是我一直在做的事情，但当薪水保持不变但账单却上涨时，事情就变得越来越困难。
What gets harder is when you've already maxed your 401(k). Then you take your money post-tax, and it's up to you to decide what to do with it. Just so much more tempting to spend it unwisely. So I set up my direct deposit account to automatically send funds to my other accounts. So each paycheck, $958 is deducted pre-tax for the 401(k), then $1667 goes to my stock account and buys S&P500 shares, then another $1667 goes to my high yield savings account and gets about 5% annually, and $1604 goes to a checking account with is set to automatically pay the rent. That leaves me with about $700, so I buy some groceries and food for my cats, brings me down to around $500. After that, kinda doesn't matter what I do with it. I've already taken care of everything else. I'll keep some on hand to pay for subscxtion services, subway rides, etc., but that's only a few hundred bucks. I've budgeted it out to where I can spend about $200 per paycheck on literally anything I want, guilt free, don't have to think about it at all because I know the other stuff is covered.
当您已经达到 401(k) 上限时，事情会变得更加困难。然后你拿走税后的钱，由你决定如何处理它。只是更容易不明智地花钱。因此，我设置了直接存款账户，自动将资金发送到我的其他账户。因此，每份薪水，401(k) 税前扣除 958 美元，然后 1667 美元进入我的股票账户并购买 S&P500 股票，然后另外 1667 美元进入我的高收益储蓄账户，每年获得约 5% 的利息，还有 1604 美元转到设置为自动支付租金的支票帐户。这样我就剩了大约 700 美元，所以我给我的猫买了一些杂货和食物，这样我的预算就减少到了 500 美元左右。在那之后，我用它做什么并不重要。我已经处理好其他一切了。我会保留一些钱来支付订阅服务、乘坐地铁等费用，但这只有几百美元。我已经做了预算，每份工资可以花大约 200 美元买任何我想要的东西，没有负罪感，根本不需要考虑它，因为我知道其他东西都包括在内。
当您已经达到 401(k) 上限时，事情会变得更加困难。然后你拿走税后的钱，由你决定如何处理它。只是更容易不明智地花钱。因此，我设置了直接存款账户，自动将资金发送到我的其他账户。因此，每份薪水，401(k) 税前扣除 958 美元，然后 1667 美元进入我的股票账户并购买 S&P500 股票，然后另外 1667 美元进入我的高收益储蓄账户，每年获得约 5% 的利息，还有 1604 美元转到设置为自动支付租金的支票帐户。这样我就剩了大约 700 美元，所以我给我的猫买了一些杂货和食物，这样我的预算就减少到了 500 美元左右。在那之后，我用它做什么并不重要。我已经处理好其他一切了。我会保留一些钱来支付订阅服务、乘坐地铁等费用，但这只有几百美元。我已经做了预算，每份工资可以花大约 200 美元买任何我想要的东西，没有负罪感，根本不需要考虑它，因为我知道其他东西都包括在内。
Don’t need to be buying the biggest brand new vehicles, too.
也不需要购买最大的全新车辆。
也不需要购买最大的全新车辆。
Look, I'm very good with my money but I am absolutely not going to live the way I did in my 20s. Part of the benefit of making more money is being able to have a comfortable life now, not only in 20 years.
嘿，我很会理财，我也绝对不会像 20 多岁时那样生活。赚更多钱的好处之一是现在就能过上舒适的生活，而不是 20 年后。
嘿，我很会理财，我也绝对不会像 20 多岁时那样生活。赚更多钱的好处之一是现在就能过上舒适的生活，而不是 20 年后。
Travel now too. Backpacking SE Asia in your 50's blows. Do that stuff in your 20's and 30's.
现在也去旅行吧。在 50 多岁的时候背包游东南亚是很糟糕的。二三十岁的时候就去吧。
现在也去旅行吧。在 50 多岁的时候背包游东南亚是很糟糕的。二三十岁的时候就去吧。
In your 50s is when you stay in luxury hotels and fly business class to Asia.
50 多岁时，你可以住豪华酒店，坐商务舱飞往亚洲。
50 多岁时，你可以住豪华酒店，坐商务舱飞往亚洲。
Sure. How many can afford this?
当然。有多少人能负担得起这个？
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
当然。有多少人能负担得起这个？
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
It's not hard. Use points and start in your 20s.
这并不难。使用积分并从 20 多岁开始。
这并不难。使用积分并从 20 多岁开始。
Credit card points, grasshopper. I've got a hotel card and an airline card. Regularly stay places for free. Paid for my honeymoon flights to Barcelona. My dad has so many points, he and my mom just spent a week in the Cayman Islands for free.
信用卡积分，蚂蚱。我有一张酒店卡和一张航空卡。经常免费住宿。我的蜜月航班去巴塞罗那是免费的。我爸爸有很多积分，他和我妈妈刚刚免费在开曼群岛度过了一周。
信用卡积分，蚂蚱。我有一张酒店卡和一张航空卡。经常免费住宿。我的蜜月航班去巴塞罗那是免费的。我爸爸有很多积分，他和我妈妈刚刚免费在开曼群岛度过了一周。
Exactly. Some of the foolish traveling I did in my twenties seems daunting now in my 30s.
没错。我 20 多岁时做过的一些愚蠢的旅行，现在 30 多岁了看起来令人生畏。
没错。我 20 多岁时做过的一些愚蠢的旅行，现在 30 多岁了看起来令人生畏。
It's not an all-or-nothing thing. I like to upgrade my lifestyle when I get raises, etc., but I also upgrade my savings.
我认为这个建议对于那些已经买得起奢侈品但仍决定购买更多奢侈品而不是积累金融资产的人来说更有效。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
我认为这个建议对于那些已经买得起奢侈品但仍决定购买更多奢侈品而不是积累金融资产的人来说更有效。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Yea this is the reasonable take. And I want to bring down a notch the pretentious super savers. The “super savers” saving 50% of their income and agonizing over every dollar spent and the “lifestyle creep/hedonic treadmill” people spending more than they earn are just different sides of the same coin. They’re both ultimately unhealthy relationships to money.
The superior than thou super savers think they’re going to retire early, but will be too afraid to because they will never think they have enough from a lifetime of hoarding mentality. Or they will retire early and are still afraid to spend on vacations because they don’t want to run out. Either way they’re going to have a pile of cash and have never lived a day in their life.
Most people they criticize as spending too much are really just normal people spending money on normal things. Buying a new car is totally fine, and affords peace of mind over a used car. The deprecation doesn’t matter. Not everything is an investment.
是的，这是合理的做法。我想把那些自命不凡的超级储户拉低一个档次。 “超级储蓄者”将收入的 50% 存起来，并为花的每一美元而苦恼，而“生活方式蠕变/享乐跑步机”的人花的钱比收入多，只是同一枚硬币的不同侧面。它们最终都是与金钱的不健康关系。
比你更好的超级储蓄者认为他们会提前退休，但又太害怕了，因为他们永远不会认为他们一生的囤积心态已经足够了。或者他们会提前退休，但仍然不敢在假期上花钱，因为他们不想用完。无论哪种方式，他们都会拥有一大堆现金，但他们的生活中却从未真正度过过一天。
大多数被他们批评花钱太多的人实际上只是普通人把钱花在普通的事情上。买新车完全没问题，而且比二手车更安心。弃用并不重要。并非一切都是投资。
The superior than thou super savers think they’re going to retire early, but will be too afraid to because they will never think they have enough from a lifetime of hoarding mentality. Or they will retire early and are still afraid to spend on vacations because they don’t want to run out. Either way they’re going to have a pile of cash and have never lived a day in their life.
Most people they criticize as spending too much are really just normal people spending money on normal things. Buying a new car is totally fine, and affords peace of mind over a used car. The deprecation doesn’t matter. Not everything is an investment.
是的，这是合理的做法。我想把那些自命不凡的超级储户拉低一个档次。 “超级储蓄者”将收入的 50% 存起来，并为花的每一美元而苦恼，而“生活方式蠕变/享乐跑步机”的人花的钱比收入多，只是同一枚硬币的不同侧面。它们最终都是与金钱的不健康关系。
比你更好的超级储蓄者认为他们会提前退休，但又太害怕了，因为他们永远不会认为他们一生的囤积心态已经足够了。或者他们会提前退休，但仍然不敢在假期上花钱，因为他们不想用完。无论哪种方式，他们都会拥有一大堆现金，但他们的生活中却从未真正度过过一天。
大多数被他们批评花钱太多的人实际上只是普通人把钱花在普通的事情上。买新车完全没问题，而且比二手车更安心。弃用并不重要。并非一切都是投资。
Yes but a landrover costs money and has no real effect on your QOL over a minivan. A 5th bedroom for a family of 4 doesn’t actually add value. Moving up from Planet fitness to some Bougie $85/mo gym adds very little value. A $25k watch doesn’t tell the time meaningfully better than a $65 watch
It’s not so much “I really love this restaurant I’m going twice a month now” or going on a nice vacation. It’s the status symbol stuff that is tempting but adds little value to your life
是的，但是陆虎车要花钱，而且与小型货车相比，对你的生活质量没有真正的影响。一个四口之家的第五间卧室实际上并没有增加价值。从 Planet Fitness 升级到 Bougie 每月 85 美元的健身房几乎没有增加什么价值。一块 25,000 美元的手表并不比一块 65 美元的手表更能显示时间。
与其说“我真的很喜欢这家餐厅，我现在每个月都会去两次”，或者去度过一个愉快的假期。这是身份象征的东西很诱人，但对你的生活没有什么价值
It’s not so much “I really love this restaurant I’m going twice a month now” or going on a nice vacation. It’s the status symbol stuff that is tempting but adds little value to your life
是的，但是陆虎车要花钱，而且与小型货车相比，对你的生活质量没有真正的影响。一个四口之家的第五间卧室实际上并没有增加价值。从 Planet Fitness 升级到 Bougie 每月 85 美元的健身房几乎没有增加什么价值。一块 25,000 美元的手表并不比一块 65 美元的手表更能显示时间。
与其说“我真的很喜欢这家餐厅，我现在每个月都会去两次”，或者去度过一个愉快的假期。这是身份象征的东西很诱人，但对你的生活没有什么价值
Nice! Our salaries also increased since we bought, but also does not feel like enough due to the recent inflation. Also still driving a 2007 Corolla and wearing my Target threads till they have holes in them! We'd do the same regarding our mortgage if our interest rate was not super low.
不错！买房后，虽然我们的工资也有所增加，但由于最近的通货膨胀，感觉还不够。我们还开着 2007 年的卡罗拉，穿着 Target 的衣服，直到衣服破了洞！如果利率不是超低，我们也不会这么做。
不错！买房后，虽然我们的工资也有所增加，但由于最近的通货膨胀，感觉还不够。我们还开着 2007 年的卡罗拉，穿着 Target 的衣服，直到衣服破了洞！如果利率不是超低，我们也不会这么做。
20 years worth of mortgage disappear in only 2 years
I nearly came at the thought of this LOL
I'm hoping to wipe some debt soon...
20年的抵押贷款只用了2年就消失了
我几乎想到了这个哈哈
我希望尽快消除一些债务......
I nearly came at the thought of this LOL
I'm hoping to wipe some debt soon...
20年的抵押贷款只用了2年就消失了
我几乎想到了这个哈哈
我希望尽快消除一些债务......
Wish you the best of luck!
It was only a 183K house. (I used to make 25K for the first 5 years, then 70K the last 2 years) I wouldn’t have been able to pull that out with todays mortgage. (I bought my house in 2016)
祝您好运！
那只是一栋183K的房子。 （我过去 5 年赚了 25,000 美元，最后 2 年赚了 70,000 美元）如果用今天的抵押贷款，我根本无法把这笔钱拿出来。 （我的房子是2016年买的）
It was only a 183K house. (I used to make 25K for the first 5 years, then 70K the last 2 years) I wouldn’t have been able to pull that out with todays mortgage. (I bought my house in 2016)
祝您好运！
那只是一栋183K的房子。 （我过去 5 年赚了 25,000 美元，最后 2 年赚了 70,000 美元）如果用今天的抵押贷款，我根本无法把这笔钱拿出来。 （我的房子是2016年买的）
Cries in property taxes
Even if I owned my house free and clear I’d still have something like $500 a month in taxes to pay
财产税的呼声
即使我拥有自己的房子，而且是免费的，我每月仍然需要缴纳大约 500 美元的税款
Even if I owned my house free and clear I’d still have something like $500 a month in taxes to pay
财产税的呼声
即使我拥有自己的房子，而且是免费的，我每月仍然需要缴纳大约 500 美元的税款
It takes money to make money. My expenses are exponentially higher when I get paid more. Suddenly you need to socialize, have better clothes, drive better cars, fancy lunches, happy hours.. my expenses went up 100% but my salaries didn’t get a 100% boost.
I still did better than my peers because like you I didn’t get into debt or materialistic stuff. I saved more than 20% of my income and started investing in stock market (not just 401k - it’s a joke). It started slow but by the 3rd decade the compound returns are astounding. My networth went up 12 times since I started investing and putting away 20% of my income. I started in my early 20s. It really is important to start saving early
需要钱才能赚钱。当我的薪水增加时，我的开支就会成倍增加。突然间你需要社交、穿更好的衣服、开更好的车、丰盛的午餐、欢乐时光……我的开支增加了 100%，但我的薪水并没有得到 100% 的增长。
我仍然比我的同龄人做得更好，因为像你一样，我没有陷入债务或物质主义的东西。我把超过 20% 的收入存起来，开始投资股票市场（不只是 401k——这是个笑话）。一开始进展缓慢，但到了第三个十年，复合回报令人震惊。自从我开始投资并将收入的 20% 存起来以来，我的净资产增长了 12 倍。我20岁出头就开始了。尽早开始储蓄确实很重要
I still did better than my peers because like you I didn’t get into debt or materialistic stuff. I saved more than 20% of my income and started investing in stock market (not just 401k - it’s a joke). It started slow but by the 3rd decade the compound returns are astounding. My networth went up 12 times since I started investing and putting away 20% of my income. I started in my early 20s. It really is important to start saving early
需要钱才能赚钱。当我的薪水增加时，我的开支就会成倍增加。突然间你需要社交、穿更好的衣服、开更好的车、丰盛的午餐、欢乐时光……我的开支增加了 100%，但我的薪水并没有得到 100% 的增长。
我仍然比我的同龄人做得更好，因为像你一样，我没有陷入债务或物质主义的东西。我把超过 20% 的收入存起来，开始投资股票市场（不只是 401k——这是个笑话）。一开始进展缓慢，但到了第三个十年，复合回报令人震惊。自从我开始投资并将收入的 20% 存起来以来，我的净资产增长了 12 倍。我20岁出头就开始了。尽早开始储蓄确实很重要
I never felt like I needed more stuff though. So I can’t relate much with that. My expenses went totally unchanged even if I more than doubled my income. (5K more and it was triple in fact)
Do you know why suddenly you wanted more fancy clothes and stuff?
I didn’t just saved 20%. 75% of my money went onto my house, then when that got paid, the same percentage started to go into savings.
I’m only 33yo. I guess it’s not too bad for now.
但我从来没有觉得我需要更多的东西。所以我对此没有太多联系。即使我的收入增加了一倍多，我的开支也完全没有变化。 （多了 5K，实际上是三倍）
你知道为什么你突然想要更多漂亮的衣服和东西吗？
我不只是节省了20%。我 75% 的钱都花在了我的房子上，当这笔钱付清后，同样比例的钱开始存入储蓄。
我才33岁。我想现在还不错。
Do you know why suddenly you wanted more fancy clothes and stuff?
I didn’t just saved 20%. 75% of my money went onto my house, then when that got paid, the same percentage started to go into savings.
I’m only 33yo. I guess it’s not too bad for now.
但我从来没有觉得我需要更多的东西。所以我对此没有太多联系。即使我的收入增加了一倍多，我的开支也完全没有变化。 （多了 5K，实际上是三倍）
你知道为什么你突然想要更多漂亮的衣服和东西吗？
我不只是节省了20%。我 75% 的钱都花在了我的房子上，当这笔钱付清后，同样比例的钱开始存入储蓄。
我才33岁。我想现在还不错。
Honestly buying a house was one of the best things I've ever done for my mental health.
老实说，买房子是我为我的心理健康做过的最好的事情之一。
老实说，买房子是我为我的心理健康做过的最好的事情之一。
If your interest rate is low (mine's around 2%), it's actually better not to pay it off. I do not intend to pay extra on mine ever. I will only pay it off once I sell because at my rate, it's basically free money. You can earn 7-8% long term on an S&P 500 index fund so no point in paying down debt that's less than that.
Sure. How many can afford this?
如果你的利率很低（我的利率约为 2%），实际上最好不要还清。我从来不打算为我的东西支付额外的费用。我只会在出售后还清，因为按照我的价格，这基本上是免费的钱。您可以通过标准普尔 500 指数基金获得 7-8% 的长期收益，因此偿还低于此水平的债务是没有意义的。
Sure. How many can afford this?
如果你的利率很低（我的利率约为 2%），实际上最好不要还清。我从来不打算为我的东西支付额外的费用。我只会在出售后还清，因为按照我的价格，这基本上是免费的钱。您可以通过标准普尔 500 指数基金获得 7-8% 的长期收益，因此偿还低于此水平的债务是没有意义的。
I did this on a smaller scale. I am not rich, but work only when I want and only when I enjoy it.
我的工作规模较小。我并不富有，但只在我想工作的时候工作，只在我喜欢的时候工作。
我的工作规模较小。我并不富有，但只在我想工作的时候工作，只在我喜欢的时候工作。
Congrats to you!
I’m able to live well with a part time job too now. It’s worth more than any possession.
I’m not rich neither. (I used to make 25K, the max I did was 70K for the 2 last years. But the other people at that job usually make around 140K. I was taking lot of time off during the tear, especially winter, thats why I never made that much. But I still achieved my goal so thats all I wanted)
恭喜你！
我现在也能靠一份兼职工作过上好日子。这比任何财产都有价值。
我也不富有。(我以前的工资是 2.5 万，最近两年的最高工资是 7 万。但那份工作的其他人通常挣 14 万左右。在撕裂期间，尤其是冬天，我经常请假，这就是为什么我从未赚到那么多钱。但我还是实现了我的目标，所以这就是我想要的）。
I’m able to live well with a part time job too now. It’s worth more than any possession.
I’m not rich neither. (I used to make 25K, the max I did was 70K for the 2 last years. But the other people at that job usually make around 140K. I was taking lot of time off during the tear, especially winter, thats why I never made that much. But I still achieved my goal so thats all I wanted)
恭喜你！
我现在也能靠一份兼职工作过上好日子。这比任何财产都有价值。
我也不富有。(我以前的工资是 2.5 万，最近两年的最高工资是 7 万。但那份工作的其他人通常挣 14 万左右。在撕裂期间，尤其是冬天，我经常请假，这就是为什么我从未赚到那么多钱。但我还是实现了我的目标，所以这就是我想要的）。
There's a way to do this reasonably - every time you get a raise, "give yourself" only half of it and put the other half into savings/investments. You still get to enjoy the raise, and never have to feel the pain of cutting back on things in order to put money away
有一个合理的方法--每次加薪时，只 "给自己 "一半，另一半存入储蓄/投资。你仍然可以享受加薪，而不必为了存钱而忍受减少开支的痛苦。
有一个合理的方法--每次加薪时，只 "给自己 "一半，另一半存入储蓄/投资。你仍然可以享受加薪，而不必为了存钱而忍受减少开支的痛苦。
I say immediately move it out of the checking account and at least into a money market or other bond/stock index fund and pretend it never existed. If you REALLY want something, you’ll constantly think about it until it becomes annoying. If at that point you’re willing to jump through all the hoops to move money to buy it, it is probably worth it or you do in fact “need it”.
我说立即将其从支票账户中移出，至少转移到货币市场或其他债券/股票指数基金中，并假装它从未存在过。如果你真的想要某样东西，你就会不断地思考它，直到它变得烦人。如果那时您愿意克服重重困难，花钱购买它，那么它可能是值得的，或者您实际上“需要它”。
我说立即将其从支票账户中移出，至少转移到货币市场或其他债券/股票指数基金中，并假装它从未存在过。如果你真的想要某样东西，你就会不断地思考它，直到它变得烦人。如果那时您愿意克服重重困难，花钱购买它，那么它可能是值得的，或者您实际上“需要它”。
Unfortunately for me, my raises only seem to keep up with the rising costs right now.
对我来说不幸的是，我的加薪似乎只能跟上目前不断上涨的成本。
对我来说不幸的是，我的加薪似乎只能跟上目前不断上涨的成本。
I got a huge pay increase about 2 years ago and I just make sure to put a huge chunk (like a quarter of my paycheck after taxes and 401k) in my investment account right when I get paid and just let it simmer. Right now I have over 60k in that account, which i am SUPER proud of
大约两年前，我的工资大幅上涨，我只是确保在收到工资时将一大笔钱（比如税后和 401k 后工资的四分之一）存入我的投资账户，然后让它慢慢发酵。现在我的账户里有超过 60k，我对此感到非常自豪
大约两年前，我的工资大幅上涨，我只是确保在收到工资时将一大笔钱（比如税后和 401k 后工资的四分之一）存入我的投资账户，然后让它慢慢发酵。现在我的账户里有超过 60k，我对此感到非常自豪
Great job, that’s a huge accomplishment!
干得好，这是一个巨大的成就！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
干得好，这是一个巨大的成就！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
I was in a similar boat. I got a huge pay increase when I switched to my last job. Within 5 months I had my highest interest loans paid off, was putting $500/paycheck away in savings, and then investing on top of that.
Then we had a kid and that all ended. But it was so nice while it lasted. The first year was probably the least stress I've ever had in my life.
我说立即将其从支票账户中移出，至少转移到货币市场或其他债券/股票指数基金中，并假装它从未存在过。如果你真的想要某样东西，你就会不断地思考它，直到它变得烦人。如果那时您愿意克服重重困难，花钱购买它，那么它可能是值得的，或者您实际上“需要它”。
Then we had a kid and that all ended. But it was so nice while it lasted. The first year was probably the least stress I've ever had in my life.
我说立即将其从支票账户中移出，至少转移到货币市场或其他债券/股票指数基金中，并假装它从未存在过。如果你真的想要某样东西，你就会不断地思考它，直到它变得烦人。如果那时您愿意克服重重困难，花钱购买它，那么它可能是值得的，或者您实际上“需要它”。
Exactly. I just keep adding whatever percent my raise is to my 401k/Roth. So far so good.
对我来说不幸的是，我的加薪似乎只能跟上目前不断上涨的成本。
对我来说不幸的是，我的加薪似乎只能跟上目前不断上涨的成本。
Not just IRA or 401K. They grow much slower. I put my money in stock market and learn about investing. Much better returns than 401K or even Roth (since there is a limit). I put at least 20% of my income in investments. I sharted doing that in my 20s and never stopped. I also did not have a mortgage. It eats up your savings and diminishes the returns on your real estate (not to mention property taxes and HOA fees) - better to put that money in some great stocks like Apple.
不仅仅是 IRA 或 401K。它们的增长速度要慢得多。我把钱投入股市，学习投资。这比 401K 甚至罗斯账户的收益要好得多（因为有限额）。我把至少 20% 的收入用于投资。我在 20 多岁时就开始这样做了，从未间断。我也没有抵押贷款。房贷会吃掉你的积蓄，降低你的房产收益（更不用说房产税和房屋管理费了）--最好把钱投到一些像苹果这样的好股票上。
不仅仅是 IRA 或 401K。它们的增长速度要慢得多。我把钱投入股市，学习投资。这比 401K 甚至罗斯账户的收益要好得多（因为有限额）。我把至少 20% 的收入用于投资。我在 20 多岁时就开始这样做了，从未间断。我也没有抵押贷款。房贷会吃掉你的积蓄，降低你的房产收益（更不用说房产税和房屋管理费了）--最好把钱投到一些像苹果这样的好股票上。
This has always been my way of doing things. I work for a law firm that requires you to actually opt out every year to taking 1% of your raise and adding it to your 401k. The max is 15%. The last law firm I worked for did the same thing. Forced savings is a great way to increase your wealth.
这一直是我的行事方式。我在一家律师事务所工作，该事务所要求你每年从加薪中提取 1% 并存入你的 401k 账户。最高限额是 15%。我工作的上一家律师事务所也是这么做的。强制储蓄是增加财富的好方法。
这一直是我的行事方式。我在一家律师事务所工作，该事务所要求你每年从加薪中提取 1% 并存入你的 401k 账户。最高限额是 15%。我工作的上一家律师事务所也是这么做的。强制储蓄是增加财富的好方法。
I don't understand why you wanna enjoy the raise. Why not Just simply enjoying the normal standard before the raise
我不明白你为什么想享受加薪。为什么不直接享受加薪前的正常标准
我不明白你为什么想享受加薪。为什么不直接享受加薪前的正常标准
This is true as far as it goes, but also you only live once. Getting into a high paying role and being able to do cool things like pick up the tab after dinner, buy yourself something nice but expensive, or take a nice holiday should not be discouraged. Live within your means and save for retirement. Beyond that if you want to spend silly money on model airplanes or whatever, go for it
就目前而言，这是正确的，但你只能活一次。进入高薪职位并能够做一些很酷的事情，例如晚饭后付账，给自己买一些好东西但昂贵的东西，或者度过一个愉快的假期，不应该被气馁。量入为出，为退休储蓄。除此之外，如果你想花傻钱买模型飞机或其他什么，那就去吧
就目前而言，这是正确的，但你只能活一次。进入高薪职位并能够做一些很酷的事情，例如晚饭后付账，给自己买一些好东西但昂贵的东西，或者度过一个愉快的假期，不应该被气馁。量入为出，为退休储蓄。除此之外，如果你想花傻钱买模型飞机或其他什么，那就去吧
At every "raise" my friends and family would say, "on great, now you can buy/upgrade A B C." I scoffed and saved, invested.
Then they wonder why they have to work so much but they don't appreciate anything. It's wild people don't see the golden handcuffs they keep putting on.
Look up Hedonic Treadmill.
每次“加薪”时我的朋友和家人会说，“太好了，现在你可以购买/升级 A B C。”我对此嗤之以鼻，然后存钱、投资。
然后他们想知道为什么他们必须工作这么多，但他们却不欣赏任何东西。疯狂的人们看不到他们一直戴上的金手铐。
查找享乐跑步机。
Then they wonder why they have to work so much but they don't appreciate anything. It's wild people don't see the golden handcuffs they keep putting on.
Look up Hedonic Treadmill.
每次“加薪”时我的朋友和家人会说，“太好了，现在你可以购买/升级 A B C。”我对此嗤之以鼻，然后存钱、投资。
然后他们想知道为什么他们必须工作这么多，但他们却不欣赏任何东西。疯狂的人们看不到他们一直戴上的金手铐。
查找享乐跑步机。
Hey! That's my mentality too. Currently I make far less than all of my friends, but I possess more money than them. I don't buy frivolous things, and the things I do buy are always quality items that will last a very long time.
嘿！这也是我的心态。目前我的收入远远低于我所有的朋友，但我比他们拥有更多的钱。我不买无聊的东西，我买的东西都是优质的，可以用很长时间的。
嘿！这也是我的心态。目前我的收入远远低于我所有的朋友，但我比他们拥有更多的钱。我不买无聊的东西，我买的东西都是优质的，可以用很长时间的。
Except for the fact that raises are often reactionary to inflation.
除了加薪通常是对通货膨胀的反应这一事实之外。
除了加薪通常是对通货膨胀的反应这一事实之外。
Yeah. Every time I get a raise I just increase my 401k contributions. My standard of living has been the same for a while.
是的。每次我加薪时，我都会增加我的 401k 供款。我的生活水平有一段时间没有变化。
是的。每次我加薪时，我都会增加我的 401k 供款。我的生活水平有一段时间没有变化。
Lifestyle inflation.
生活方式通胀。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
生活方式通胀。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Never understood this. Im kinda the otherway around. My salary is climbing and my standard is lowering i just dont Need much and im happy with what i have ♂️ sometimes the Little Stuff i have makes me sick
一直不明白这一点。我有点相反。我的薪水在攀升，我的标准却在降低我只是不需要太多，我对我所拥有的感到满意♂️有时我拥有的小东西让我感到恶心
一直不明白这一点。我有点相反。我的薪水在攀升，我的标准却在降低我只是不需要太多，我对我所拥有的感到满意♂️有时我拥有的小东西让我感到恶心
I’m guilty of doing this.
我对这样做感到内疚。
我对这样做感到内疚。
I put my raises into my 403B or sometimes split them. It really paid off.
我将加注放入我的 403B 中，或者有时将它们分开。它确实得到了回报。
我将加注放入我的 403B 中，或者有时将它们分开。它确实得到了回报。
Depends on what you define as increasing the standard of living. Getting a car could be considered an increase, but it could also open up more employment options.
取决于您对提高生活水平的定义。拥有一辆汽车可以被认为是一种增加，但它也可以提供更多的就业选择。
取决于您对提高生活水平的定义。拥有一辆汽车可以被认为是一种增加，但它也可以提供更多的就业选择。
This, but also, the margin increases of the quality of life diminishes and the increased cost is mostly spent on status and vanity.
但同时，生活质量的增加幅度也减少了，而增加的成本主要花在了地位和虚荣上。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
但同时，生活质量的增加幅度也减少了，而增加的成本主要花在了地位和虚荣上。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
I remember when I worked on the railroad, once everyone in my class passed their 15 week conductor course, everyone went out and bought a new car except two people.
我记得当我在铁路工作时，班上每个人都通过了 15 周的列车员课程后，除了两个人之外，每个人都出去买了一辆新车。
我记得当我在铁路工作时，班上每个人都通过了 15 周的列车员课程后，除了两个人之外，每个人都出去买了一辆新车。
Life is too short to still live like shit after getting a few raises.
生命太短暂了，不能在加薪几次后还过得像狗屎一样。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
生命太短暂了，不能在加薪几次后还过得像狗屎一样。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Marriage, kids, divorce, repeat.
结婚、生孩子、离婚，如此反复。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
结婚、生孩子、离婚，如此反复。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Fairly underrated Tom Cruise film
Some people literally see the money in their account and NEED to spend it on something. It’s crazy. SAVE YOUR MONEEEYY!
被低估的汤姆-克鲁斯电影
有些人看到自己账户里有钱，就一定要花出去。这太疯狂了。省省你的钱吧！
Some people literally see the money in their account and NEED to spend it on something. It’s crazy. SAVE YOUR MONEEEYY!
被低估的汤姆-克鲁斯电影
有些人看到自己账户里有钱，就一定要花出去。这太疯狂了。省省你的钱吧！
Not start saving for retirement early. People wake up at age 50 and realize they haven't saved a nickel.
没有及早开始为退休储蓄。人们到了 50 岁一觉醒来，发现自己一分钱也没存到。
没有及早开始为退休储蓄。人们到了 50 岁一觉醒来，发现自己一分钱也没存到。
My in-laws retirement plan is basically “dads life insurance policy”, despite my husband warning them over the last two decades that they HAVE to do SOMETHING.
我公婆的退休计划基本上就是 "爸爸的人寿保险"，尽管我丈夫在过去二十年里一直警告他们必须做点什么。
我公婆的退休计划基本上就是 "爸爸的人寿保险"，尽管我丈夫在过去二十年里一直警告他们必须做点什么。
“dads life insurance policy”
Yeah and that gets super cheap as you get really old.
"爸爸的人寿保险"
是啊，当你真正变老的时候，那会变得超级便宜。
Yeah and that gets super cheap as you get really old.
"爸爸的人寿保险"
是啊，当你真正变老的时候，那会变得超级便宜。
My uncle passed away after a stroke (Mom’s brother). My mother always talked about how much money he had (he had a modest income, but saved and invested wisely and never married). She always said my siblings and I would get it all one day (not in some morbid way, more just to point out that a hefty inheritance was possible). Anyway, he passed, left a ton of money. But then my mom developed Alzheimer’s a few years later. We spent most of my uncle’s money caring for my mom, eventually having to move her to a facility that used up all that money. I cannot imagine how difficult that would have been if my uncle hadn’t left so much. All that money is gone now, but thankfully my Mom received great care in her last years. I think my uncle would be very happy to know his hard work and savings helped his sister so much.
Point being, never count on inheritance. I can’t imagine living life with that as a goal.
And for all you Americans, have a real discussion with your parents about end of life care. Plan for it early. It can cost a literal fortune in the US.
我的舅舅在一次中风后去世了（他是妈妈的哥哥）。我母亲总是谈论他有多少钱（他收入不高，但储蓄和投资都很明智，而且从未结过婚）。她总是说我和我的兄弟姐妹们总有一天会得到这一切（并不是病态，更多的是想说明巨额遗产是可能的）。总之，他去世了，留下了一大笔钱。但几年后，我妈妈患上了老年痴呆症。我们花光了舅舅大部分钱用于照顾我妈妈，最后不得不把她转移到一家养老院，花光了所有的钱。我无法想象，如果叔叔没有留下那么多钱，那会有多困难。现在所有的钱都没了，但值得庆幸的是，我妈妈在最后几年得到了很好的照顾。我想，如果我舅舅知道他的辛勤工作和积蓄帮了他妹妹这么大的忙，他一定会非常高兴的。
重点是，永远不要指望遗产。我无法想象以此为目标的生活。
对于所有美国人来说，与父母真正讨论一下临终关怀问题。早做打算。在美国，这可能要花费一大笔钱。
Point being, never count on inheritance. I can’t imagine living life with that as a goal.
And for all you Americans, have a real discussion with your parents about end of life care. Plan for it early. It can cost a literal fortune in the US.
我的舅舅在一次中风后去世了（他是妈妈的哥哥）。我母亲总是谈论他有多少钱（他收入不高，但储蓄和投资都很明智，而且从未结过婚）。她总是说我和我的兄弟姐妹们总有一天会得到这一切（并不是病态，更多的是想说明巨额遗产是可能的）。总之，他去世了，留下了一大笔钱。但几年后，我妈妈患上了老年痴呆症。我们花光了舅舅大部分钱用于照顾我妈妈，最后不得不把她转移到一家养老院，花光了所有的钱。我无法想象，如果叔叔没有留下那么多钱，那会有多困难。现在所有的钱都没了，但值得庆幸的是，我妈妈在最后几年得到了很好的照顾。我想，如果我舅舅知道他的辛勤工作和积蓄帮了他妹妹这么大的忙，他一定会非常高兴的。
重点是，永远不要指望遗产。我无法想象以此为目标的生活。
对于所有美国人来说，与父母真正讨论一下临终关怀问题。早做打算。在美国，这可能要花费一大笔钱。
This is why many cultures pressure tf out of their kids to look after them in their old age.
My ex MIL 100% expected her 8 surviving kids to look after her. One old gent that was a family friend once bragged that he had 13 kids on purpose, so that “it wouldn’t burden them too much to look after me in my old age”.
Mind you he gave NONE of them an education. They grew up in extreme poverty. The oldest were sent out to CDMX to work and send money back home to help their parents finish raising their you her siblings.
Many daughters married asap to gtfo of the home and unfortunately many suffered abusive husbands. They just repeated the same cycles their mother did.
Sons migrated to the US and were used as default banks for when their parents wanted large sums of money. I personally know one of their sons and he never married or had kids because the financial pressure his parents put on him was was so great he felt he could not give a family what they deserved and vowed to not take a wife until his parents died. He’s 50+ now.
But the dad: “With 13 it’s easy to look after me and my wife. With each of them giving me at least $1K pesos a month, we live pretty damn well and it’s not even a heavy burden on them since there’s 13 of them”
Like excuse me old fart, wtf did you ever do for your children that you feel entitled to $13K a month !? Just nutted inside their mom.
这就是为什么许多文化都会给子女施加压力，要求他们在晚年照顾自己。
我的前 MIL 百分百希望她那 8 个健在的孩子能照顾她。家里的一位老朋友曾吹嘘说，他故意生了 13 个孩子，这样 "他们就不会在我晚年照顾我时负担太重"。
要知道，他没有让任何一个孩子接受过教育。他们在赤贫中长大。最大的孩子被送到 CDMX 工作，然后寄钱回家，帮助父母养育他们的兄弟姐妹。
许多女儿为了离开家而尽快出嫁，不幸的是，许多人的丈夫都虐待她们。她们只是重复着母亲的生活。
儿子们移民到美国，当他们的父母需要大笔资金时，他们就会被当作银行。我认识他们的一个儿子，他从未结婚生子，因为父母给他的经济压力太大了，他觉得自己无法给一个家庭他们应得的东西，并发誓在父母去世前不娶妻。他现在已经 50 多岁了。
但是父亲 "有 13 个孩子，照顾我和我妻子很容易。他们每人每月至少给我 1 000 比索，我们生活得很好，而且因为有 13 个人，他们的负担也不重"。
不好意思，老家伙，你到底为孩子们做了什么，让你觉得自己有资格每月拿 1.3 万美元？只是在他们的妈妈肚子里疯了而已。
My ex MIL 100% expected her 8 surviving kids to look after her. One old gent that was a family friend once bragged that he had 13 kids on purpose, so that “it wouldn’t burden them too much to look after me in my old age”.
Mind you he gave NONE of them an education. They grew up in extreme poverty. The oldest were sent out to CDMX to work and send money back home to help their parents finish raising their you her siblings.
Many daughters married asap to gtfo of the home and unfortunately many suffered abusive husbands. They just repeated the same cycles their mother did.
Sons migrated to the US and were used as default banks for when their parents wanted large sums of money. I personally know one of their sons and he never married or had kids because the financial pressure his parents put on him was was so great he felt he could not give a family what they deserved and vowed to not take a wife until his parents died. He’s 50+ now.
But the dad: “With 13 it’s easy to look after me and my wife. With each of them giving me at least $1K pesos a month, we live pretty damn well and it’s not even a heavy burden on them since there’s 13 of them”
Like excuse me old fart, wtf did you ever do for your children that you feel entitled to $13K a month !? Just nutted inside their mom.
这就是为什么许多文化都会给子女施加压力，要求他们在晚年照顾自己。
我的前 MIL 百分百希望她那 8 个健在的孩子能照顾她。家里的一位老朋友曾吹嘘说，他故意生了 13 个孩子，这样 "他们就不会在我晚年照顾我时负担太重"。
要知道，他没有让任何一个孩子接受过教育。他们在赤贫中长大。最大的孩子被送到 CDMX 工作，然后寄钱回家，帮助父母养育他们的兄弟姐妹。
许多女儿为了离开家而尽快出嫁，不幸的是，许多人的丈夫都虐待她们。她们只是重复着母亲的生活。
儿子们移民到美国，当他们的父母需要大笔资金时，他们就会被当作银行。我认识他们的一个儿子，他从未结婚生子，因为父母给他的经济压力太大了，他觉得自己无法给一个家庭他们应得的东西，并发誓在父母去世前不娶妻。他现在已经 50 多岁了。
但是父亲 "有 13 个孩子，照顾我和我妻子很容易。他们每人每月至少给我 1 000 比索，我们生活得很好，而且因为有 13 个人，他们的负担也不重"。
不好意思，老家伙，你到底为孩子们做了什么，让你觉得自己有资格每月拿 1.3 万美元？只是在他们的妈妈肚子里疯了而已。
Chinese has a saying for this:
养儿防老 (yǎng'érfánglǎo)
养儿防老 (yǎng'érfánglǎo)
(of parents) to bring up children for the purpose of being looked after in old age
中国有句俗话说：
养儿防老 (yǎng'érfánglǎo)
（父母）抚养子女，以便晚年得到照顾
中国有句俗话说：
养儿防老 (yǎng'érfánglǎo)
（父母）抚养子女，以便晚年得到照顾
A lot of the time, these parents also only put in the barest minimum (food and shelter). If there’s anything more, it’s only things which may help the parents maximise their “investment” (e.g. cram school) with the hope that their kid will get a well paying job they can benefit from.
These “parents” literally see children as ETFs to buy cheap and sell high.
Source: am Chinese and since early childhood, my parents have been going on and on about how I have to “repay” them when I grow up
很多时候，这些父母也只投入最起码的东西（吃和住）。如果有更多的东西，那也只是那些可以帮助父母最大化 "投资 "的东西（如补习班），希望他们的孩子能找到一份高薪工作，让他们从中受益。
这些 "父母 "简直把孩子当成了可以低买高卖的 ETF。
资料来源：我是中国人，从小到大，我的父母都在不停地说我长大后要如何 "报答 "他们。
These “parents” literally see children as ETFs to buy cheap and sell high.
Source: am Chinese and since early childhood, my parents have been going on and on about how I have to “repay” them when I grow up
很多时候，这些父母也只投入最起码的东西（吃和住）。如果有更多的东西，那也只是那些可以帮助父母最大化 "投资 "的东西（如补习班），希望他们的孩子能找到一份高薪工作，让他们从中受益。
这些 "父母 "简直把孩子当成了可以低买高卖的 ETF。
资料来源：我是中国人，从小到大，我的父母都在不停地说我长大后要如何 "报答 "他们。
yeah I also know some parents in America who do this, it's terrible to watch;(
是的，我也知道美国的一些父母这样做，看起来很糟糕；（
是的，我也知道美国的一些父母这样做，看起来很糟糕；（
This is actually what scares me about my in-laws. I don't think they've saved enough... They're both in their early 70s and still working, but they won't be much longer. My wife and I (the ones that live closest to them) can't support them. We're trying to get our own shit together.
这就是我对我岳父母的担心。我觉得他们没有存够钱...... 他们都 70 出头了，还在工作，但也活不了多久了。我和我妻子（住得离他们最近的人）养活不了他们。我们正在努力把我们自己的事情处理好。
这就是我对我岳父母的担心。我觉得他们没有存够钱...... 他们都 70 出头了，还在工作，但也活不了多久了。我和我妻子（住得离他们最近的人）养活不了他们。我们正在努力把我们自己的事情处理好。
A lot of my friends are in a very similar position to you. And there's a massive housing crisis happening in my state at the moment as well. Everyone is always going on about how great boomers have it because they're all so well off.
There's an absolutely huge amount of boomers who are not well off, rented their whole lives and live paycheck to paycheck - And they're all starting to get old enough to not be able to work anymore.
我的很多朋友和你的处境非常相似。目前我所在的州也正在发生大规模的住房危机。每个人都在谈论婴儿潮一代有多么伟大，因为他们都很富裕。
绝对有大量的婴儿潮一代生活并不富裕，他们一生都在租房，靠工资过活——而且他们都开始变老，无法再工作了。
There's an absolutely huge amount of boomers who are not well off, rented their whole lives and live paycheck to paycheck - And they're all starting to get old enough to not be able to work anymore.
我的很多朋友和你的处境非常相似。目前我所在的州也正在发生大规模的住房危机。每个人都在谈论婴儿潮一代有多么伟大，因为他们都很富裕。
绝对有大量的婴儿潮一代生活并不富裕，他们一生都在租房，靠工资过活——而且他们都开始变老，无法再工作了。
I had my retirement money saved just as I reached age 30, and was "sitting pretty." But after various bad things hit me all in a row, that money was completely drained before age 40, and I had to start over again in a new career.
Life happens.
我在 30 岁时就存下了退休金，并且“过得很好”。但各种不好的事情接连袭来，不到40岁那笔钱就花光了，我不得不重新开始新的职业。
这就是生活。
Life happens.
我在 30 岁时就存下了退休金，并且“过得很好”。但各种不好的事情接连袭来，不到40岁那笔钱就花光了，我不得不重新开始新的职业。
这就是生活。
For real. I was ready at 25 to purchase a home. At 30 those savings are half gone, partially because shit happens and partially because the level of saving I was doing was so unsustainable that I would have been better spending more money and looking after myself. It's like negative lifestyle creep cost me more long term.
真的，我25岁就准备买房了。但到了 30 岁，这些积蓄就花掉了一半，部分是因为糟糕的事情发生了，部分是因为我的储蓄水平太不可持续了，所以我最好花更多的钱并照顾好自己。从长远来看，消极的生活方式让我付出了更多的代价。
真的，我25岁就准备买房了。但到了 30 岁，这些积蓄就花掉了一半，部分是因为糟糕的事情发生了，部分是因为我的储蓄水平太不可持续了，所以我最好花更多的钱并照顾好自己。从长远来看，消极的生活方式让我付出了更多的代价。
Same. Went through a rough divorce at 41. Got screwed over. Now I’m back at square one at 44 right now.
Thankfully my income is high, but man… some people on Reddit don’t seem to understand that sometimes life just fucks you over.
OF COURSE I wish I could save for retirement at age 1. But if you can’t, it doesn’t mean you’re a failure at life.
一样。41 岁时经历了一场艰难的离婚。被整惨了。现在 44 岁的我又回到了原点。
幸好我的收入还不错，不过......Reddit 上的一些人似乎不明白，有时候生活就是会把你搞得一团糟。
当然，我希望我能在 1 岁时就为退休存钱。但如果你做不到，并不意味着你的人生就是失败的。
Thankfully my income is high, but man… some people on Reddit don’t seem to understand that sometimes life just fucks you over.
OF COURSE I wish I could save for retirement at age 1. But if you can’t, it doesn’t mean you’re a failure at life.
一样。41 岁时经历了一场艰难的离婚。被整惨了。现在 44 岁的我又回到了原点。
幸好我的收入还不错，不过......Reddit 上的一些人似乎不明白，有时候生活就是会把你搞得一团糟。
当然，我希望我能在 1 岁时就为退休存钱。但如果你做不到，并不意味着你的人生就是失败的。
Thankfully my income is high, but man… some people on Reddit don’t seem to understand that sometimes life just fucks you over.
And sometimes it fucks you over repeatedly.
I lost everything in the 2008 crash. I lost everything again after a workplace injury in 2017. I still haven't recovered financially from that last one, and probably never will.
值得庆幸的是，我的收入很高，但是天哪……Reddit 上的一些人似乎不明白，有时生活就是让你操蛋。
有时它会反复地操你。
2008年的车祸让我失去了一切。 2017 年的一次工伤后，我再次失去了一切。我的经济状况还没有从上次的事故中恢复过来，而且可能永远也恢复不了。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
And sometimes it fucks you over repeatedly.
I lost everything in the 2008 crash. I lost everything again after a workplace injury in 2017. I still haven't recovered financially from that last one, and probably never will.
值得庆幸的是，我的收入很高，但是天哪……Reddit 上的一些人似乎不明白，有时生活就是让你操蛋。
有时它会反复地操你。
2008年的车祸让我失去了一切。 2017 年的一次工伤后，我再次失去了一切。我的经济状况还没有从上次的事故中恢复过来，而且可能永远也恢复不了。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Not being taught how to budget and plan for future expenses.
没有被教导如何预算和计划未来的开支。
没有被教导如何预算和计划未来的开支。
Adding to this, not learning it for yourself either. It’s one thing for parents to teach, but people also have to take some responsibility for themselves. It’s a learned skill, not inherited.
此外，也没有自己学习。父母的教导是一回事，但人们也必须为自己承担责任。这是一种学习技能，而不是遗传。
此外，也没有自己学习。父母的教导是一回事，但人们也必须为自己承担责任。这是一种学习技能，而不是遗传。
My observations are that it's not a single money pit that messes people up (although some do make a single life-ruining mistake) it's more of compounding little and continuous mistakes such as carrying a credit card debt at very high interest, not learning to cook at home, eating out a lot burns up cash quickly, not shopping for bargains....that kind of stuff, that will burn up 2-300 dollars a month. Over the years that adds up.
我的观察是，这并不是一个让人们陷入困境的金钱陷阱（尽管有些人确实犯了一个毁掉一生的错误），而更多的是复杂的小而连续的错误，比如背负高利息的信用卡债务、不学在家做饭、经常在外面吃饭很快就会烧光现金、不买便宜货....，诸如此类，每月会烧掉两三百美元。几年下来，这些钱就会越积越多。
我的观察是，这并不是一个让人们陷入困境的金钱陷阱（尽管有些人确实犯了一个毁掉一生的错误），而更多的是复杂的小而连续的错误，比如背负高利息的信用卡债务、不学在家做饭、经常在外面吃饭很快就会烧光现金、不买便宜货....，诸如此类，每月会烧掉两三百美元。几年下来，这些钱就会越积越多。
I totally agree but I will say it is easy to go to far with bargain shopping. I know a lot of people that stress about a 10 cent saving on some carrots but don't put the same effort into larger expenses. Your car/rent/insurance/vacation expenses really matter and outweigh that 10 cents drastically.
我完全同意，但我会说，通过讨价还价购物很容易走得很远。我知道很多人都强调在一些胡萝卜上可以节省 10 美分，但不会在更大的开支上投入同样的努力。您的汽车/租金/保险/假期费用确实很重要，而且远远超过那 10 美分。
我完全同意，但我会说，通过讨价还价购物很容易走得很远。我知道很多人都强调在一些胡萝卜上可以节省 10 美分，但不会在更大的开支上投入同样的努力。您的汽车/租金/保险/假期费用确实很重要，而且远远超过那 10 美分。
Lifestyle creep.
生活方式蠕变。
生活方式蠕变。
What does this mean? Like living above their means?
这是什么意思？喜欢入不敷出？
这是什么意思？喜欢入不敷出？
Not necessarily living above their means, but the logic of I got a raise so I should get a new car. Sure they're earning more, but their spending is keeping pace so they don't accumulate long-term savings
不一定是入不敷出，但逻辑是我加薪了，所以我应该买一辆新车。当然，他们的收入增加了，但他们的支出保持同步，因此他们不会积累长期储蓄
不一定是入不敷出，但逻辑是我加薪了，所以我应该买一辆新车。当然，他们的收入增加了，但他们的支出保持同步，因此他们不会积累长期储蓄
I feel attacked
我感觉受到了重击。
我感觉受到了重击。
You can do whatever you want, it's your life not mine. But one thing I will say, is that if you keep your expenses where they are while you get raises, you get to live rich while not being rich, if that makes sense.
Suddenly a surprise $1500 expense is actually no big deal. Suddenly you can take 2 weeks, unpaid, off work and it not really hurt your lifestyle.
The amount of stress that disappears from your life when you have the financial freedom instead of still trying to make ends meet to keep up with payments on the BMW is priceless to me and a freedom I never thought I'd experience in my life.
你可以做任何你想做的事，这是你的生活，不是我的。但我要说的一件事是，如果你在加薪的同时保持开支不变，你就可以过上富裕的生活，而不是变得富有，如果这是有道理的。
突然间，1500 美元的意外开支其实没什么大不了的。突然之间，您可以无薪休假两周，但这并不会真正影响您的生活方式。
当你拥有财务自由而不是仍然试图维持收支平衡以跟上宝马的付款时，生活中的压力就会消失，这对我来说是无价的，这是我从未想过我一生中会经历的自由。
Suddenly a surprise $1500 expense is actually no big deal. Suddenly you can take 2 weeks, unpaid, off work and it not really hurt your lifestyle.
The amount of stress that disappears from your life when you have the financial freedom instead of still trying to make ends meet to keep up with payments on the BMW is priceless to me and a freedom I never thought I'd experience in my life.
你可以做任何你想做的事，这是你的生活，不是我的。但我要说的一件事是，如果你在加薪的同时保持开支不变，你就可以过上富裕的生活，而不是变得富有，如果这是有道理的。
突然间，1500 美元的意外开支其实没什么大不了的。突然之间，您可以无薪休假两周，但这并不会真正影响您的生活方式。
当你拥有财务自由而不是仍然试图维持收支平衡以跟上宝马的付款时，生活中的压力就会消失，这对我来说是无价的，这是我从未想过我一生中会经历的自由。
No, not above their means.
More like increase spending because there is more money to spend.
不，不超出他们的能力。
更像是增加支出，因为有更多的钱可以花。
More like increase spending because there is more money to spend.
不，不超出他们的能力。
更像是增加支出，因为有更多的钱可以花。
Basically continuing to live paycheque to paycheque even as the paycheques get bigger and bigger.
基本上，即使薪水越来越大，我们仍然继续靠薪水生活。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
基本上，即使薪水越来越大，我们仍然继续靠薪水生活。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Not the biggest, but still worth mentioning. Living their life expecting to receive an inheritance.
虽然不是最大的，但仍然值得一提。过着期待获得遗产的生活。
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虽然不是最大的，但仍然值得一提。过着期待获得遗产的生活。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
This one got my in-laws. My MIL was from a super wealthy family and while her parents were alive they paid for a lot for the kids-- private school for the grandkids, luxury travel, horses, luxury travel FOR THE HORSES, and they were kind of an emergency fund if anybody got sick or needed anything. And they provided pretty generously for all the kids in their will so everybody thought they could eventually count on a sizeable inheritance to pay off their mortgages/fund their retirements etc. Then after the parents died one sister sued to challenge the estate plan, and there was a court-appointed executor, and then by the time it was all over practically everything had gone to attorneys' fees. Each kid only got about $10k. I'm a lawyer and have seen similar dynamics play out with a lot of wealthy families.
I think if you're wealthy--even super wealthy--it's important to convey to your kids that stuff doesn't always work out the way you think it's going to or want it to and they need to be self-sufficient and treat an inheritance as a windfall they might ot might not get. Both financially and psychologically, which is hard to do. (Also I've seen people put clauses in their wills that anybody who legally challenges the will gets nothing... there are possible problems with that approach too but it might be right depending on the family dynamics).
这一个得到了我的姻亲。我的 MIL 来自一个超级富裕的家庭，当她的父母在世时，他们为孩子们支付了很多费用——孙子们的私立学校、豪华旅行、马匹、马匹的豪华旅行，如果有的话，他们可以作为应急基金。任何人生病或需要任何东西。他们在遗嘱中为所有的孩子提供了相当慷慨的资金，因此每个人都认为他们最终可以依靠一笔可观的遗产来偿还抵押贷款/资助他们的退休生活等。然后在父母去世后，一位姐妹提起诉讼，对遗产计划提出质疑，并且在那里是法院指定的执行人，当一切结束时，几乎所有事情都已经交给了律师。费用。每个孩子只得到大约1万美元。我是一名律师，在很多富裕家庭中都看到过类似的情况。
我认为，如果你很富有——甚至是超级富有——那么向你的孩子传达这样的信息很重要：事情并不总是按照你认为的或想要的方式进行。他们需要自给自足，并将遗产视为他们可能得不到的意外之财。无论从经济上还是心理上，这都是很难做到的。 （我还看到人们在遗嘱中加入条款，任何合法挑战遗嘱的人都不会得到任何东西……这种方法也可能存在问题，但根据家庭动态，它可能是正确的）。
I think if you're wealthy--even super wealthy--it's important to convey to your kids that stuff doesn't always work out the way you think it's going to or want it to and they need to be self-sufficient and treat an inheritance as a windfall they might ot might not get. Both financially and psychologically, which is hard to do. (Also I've seen people put clauses in their wills that anybody who legally challenges the will gets nothing... there are possible problems with that approach too but it might be right depending on the family dynamics).
这一个得到了我的姻亲。我的 MIL 来自一个超级富裕的家庭，当她的父母在世时，他们为孩子们支付了很多费用——孙子们的私立学校、豪华旅行、马匹、马匹的豪华旅行，如果有的话，他们可以作为应急基金。任何人生病或需要任何东西。他们在遗嘱中为所有的孩子提供了相当慷慨的资金，因此每个人都认为他们最终可以依靠一笔可观的遗产来偿还抵押贷款/资助他们的退休生活等。然后在父母去世后，一位姐妹提起诉讼，对遗产计划提出质疑，并且在那里是法院指定的执行人，当一切结束时，几乎所有事情都已经交给了律师。费用。每个孩子只得到大约1万美元。我是一名律师，在很多富裕家庭中都看到过类似的情况。
我认为，如果你很富有——甚至是超级富有——那么向你的孩子传达这样的信息很重要：事情并不总是按照你认为的或想要的方式进行。他们需要自给自足，并将遗产视为他们可能得不到的意外之财。无论从经济上还是心理上，这都是很难做到的。 （我还看到人们在遗嘱中加入条款，任何合法挑战遗嘱的人都不会得到任何东西……这种方法也可能存在问题，但根据家庭动态，它可能是正确的）。
If you are expecting an inheritance but have relatives close to the benefactor that cannot be trusted with money, WATCH OUT.
如果您期待继承遗产，但有与捐助人关系密切的亲戚无法信任金钱，请当心。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
如果您期待继承遗产，但有与捐助人关系密切的亲戚无法信任金钱，请当心。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Yes, with how expensive retirement is and the cost of healthcare for old people, a huge chunk of the inheritance will be burned away. Most people in America don’t get enough inheritance to buy a house or pay all their student loans.
是的，考虑到老年人的退休费用和医疗费用，很大一部分遗产将被烧掉。大多数美国人没有获得足够的遗产来购买房屋或支付所有学生贷款。
是的，考虑到老年人的退休费用和医疗费用，很大一部分遗产将被烧掉。大多数美国人没有获得足够的遗产来购买房屋或支付所有学生贷款。
"Startup Spirit" without knowledge and experience. Drains out most valuable relationships and your mental health also.
“创业精神”没有知识和经验。也会耗尽最有价值的人际关系和你的心理健康。
“创业精神”没有知识和经验。也会耗尽最有价值的人际关系和你的心理健康。
My father still has “startup spirit” at almost 70 and it’s torn our family apart. His pursuit of his “dream” is as bad as a drug addiction.
我父亲快七十岁了，仍然保持着“创业精神”，这让我们的家庭支离破碎。他对“梦想”的追求就像毒瘾一样糟糕。
我父亲快七十岁了，仍然保持着“创业精神”，这让我们的家庭支离破碎。他对“梦想”的追求就像毒瘾一样糟糕。
I've seen this so many times in some of those kitchen shows, where people just buy a restaurant without a clue about running it. Like, a business is not just a money farm. It's real work, and also involves spending a bunch of money to get it started which you might never get back.
我在一些厨房节目中见过很多次这样的情况，人们买下一家餐馆，却对经营毫无头绪。就像，生意不仅仅是赚钱的农场。它是实实在在的工作，还需要花一大笔钱来启动它，而这些钱你可能永远都收不回来了。
我在一些厨房节目中见过很多次这样的情况，人们买下一家餐馆，却对经营毫无头绪。就像，生意不仅仅是赚钱的农场。它是实实在在的工作，还需要花一大笔钱来启动它，而这些钱你可能永远都收不回来了。
This happens irl a lot also, people really thinking that the necessary expertise to open a restaurant is being a human who enjoys eating food
这种情况在现实生活中也经常发生，人们真的以为开餐馆所需的专业技能就是做一个喜欢吃食物的人。
这种情况在现实生活中也经常发生，人们真的以为开餐馆所需的专业技能就是做一个喜欢吃食物的人。
Not to mention that restaurants and food services in general are some of the hardest businesses to make profitable and keep profitable even in the best of times.
更不用说，餐馆和食品服务总体上是最难盈利的行业，即使在最好的时期也很难保持盈利。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
更不用说，餐馆和食品服务总体上是最难盈利的行业，即使在最好的时期也很难保持盈利。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Oh can you go into more detail what startup spirit is?
哦，你能更详细地解释一下什么是创业精神吗？
哦，你能更详细地解释一下什么是创业精神吗？
Hi, I mean mindset of people with a strong desire to create and develop new business ventures, take risks, and pursue opportunities.
It's a good thing, but only with preparation. Otherwise, you may find yourself in debt holes.
你好，我指的是那些强烈渴望创建和发展新的商业企业、承担风险和追求机会的人的心态。
这是一件好事，但前提是要有准备。否则，您可能会发现自己陷入债务困境。
It's a good thing, but only with preparation. Otherwise, you may find yourself in debt holes.
你好，我指的是那些强烈渴望创建和发展新的商业企业、承担风险和追求机会的人的心态。
这是一件好事，但前提是要有准备。否则，您可能会发现自己陷入债务困境。
One of my professors who I was pretty close with wasn't a serial risk taker, but something like this late in his career. He was an academic chemist. Did some decent science, probably some of the best in our mediocre state school.
When I had lunch with him for the first time in a decade after moving back to town, he was probably around 65 or 66. He had a good idea for a business, it could have been super profitable. He and a partner dove into around age 62, created a startup, put their own money in and solicited investments (mostly from colleagues, friends and family) and gave it a good go.
Unfortunately neither of them were experienced in business. They were lifelong academic scientists. The business idea was good, but the execution was trash. They might have been able to turn it into something, but they both realized they'd be in their seventies before there was any kind of reasonable expectation of an exit and they'd need loads and loads of additional funding along the way. After working all those years, the most likely outcome was that they'd go broke, though they might have had a 1 in 100 chance of cashing in for tens or hundreds of millions. Obviously those are pretty trash odds when you're 70 and don't get a second shot.
Eventually they cut their losses and closed shop, but they both lost a sizeable chunk of their retirement savings along with that of all the people they worked with and loved. Kinda rough.
我的一位教授和我关系很好，他并不是一个连续的冒险家，但在他职业生涯的晚期，也有过类似的经历。他是个学术化学家 他的科学研究很不错，在我们那所平庸的国立学校里可能是数一数二的。
我搬回城里十年后第一次和他共进午餐时，他大概六十五六岁。他有一个做生意的好点子，本来可以赚大钱。他和一个合伙人在 62 岁左右就投身其中，创建了一家初创公司，投入了自己的资金，并寻求投资（主要来自同事、朋友和家人），并放手一搏。
不幸的是，他们都没有经商经验。他们终生都是学术科学家。他们的经营理念很好，但执行起来却很糟糕。他们也许能把它做成一番事业，但他们都意识到，在有任何合理的退出预期之前，他们都已经七十多岁了，而且他们还需要大笔大笔的额外资金。工作了这么多年，最有可能的结果就是破产，尽管他们可能有百分之一的机会套现数千万或数亿美元。很显然，当你 70 岁时，这些机会都很渺茫，而且没有第二次机会。
最终，他们减少了损失，关闭了商店，但他们都失去了一大笔退休储蓄，同时失去的还有所有与他们共事并爱着他们的人。有点艰难。
When I had lunch with him for the first time in a decade after moving back to town, he was probably around 65 or 66. He had a good idea for a business, it could have been super profitable. He and a partner dove into around age 62, created a startup, put their own money in and solicited investments (mostly from colleagues, friends and family) and gave it a good go.
Unfortunately neither of them were experienced in business. They were lifelong academic scientists. The business idea was good, but the execution was trash. They might have been able to turn it into something, but they both realized they'd be in their seventies before there was any kind of reasonable expectation of an exit and they'd need loads and loads of additional funding along the way. After working all those years, the most likely outcome was that they'd go broke, though they might have had a 1 in 100 chance of cashing in for tens or hundreds of millions. Obviously those are pretty trash odds when you're 70 and don't get a second shot.
Eventually they cut their losses and closed shop, but they both lost a sizeable chunk of their retirement savings along with that of all the people they worked with and loved. Kinda rough.
我的一位教授和我关系很好，他并不是一个连续的冒险家，但在他职业生涯的晚期，也有过类似的经历。他是个学术化学家 他的科学研究很不错，在我们那所平庸的国立学校里可能是数一数二的。
我搬回城里十年后第一次和他共进午餐时，他大概六十五六岁。他有一个做生意的好点子，本来可以赚大钱。他和一个合伙人在 62 岁左右就投身其中，创建了一家初创公司，投入了自己的资金，并寻求投资（主要来自同事、朋友和家人），并放手一搏。
不幸的是，他们都没有经商经验。他们终生都是学术科学家。他们的经营理念很好，但执行起来却很糟糕。他们也许能把它做成一番事业，但他们都意识到，在有任何合理的退出预期之前，他们都已经七十多岁了，而且他们还需要大笔大笔的额外资金。工作了这么多年，最有可能的结果就是破产，尽管他们可能有百分之一的机会套现数千万或数亿美元。很显然，当你 70 岁时，这些机会都很渺茫，而且没有第二次机会。
最终，他们减少了损失，关闭了商店，但他们都失去了一大笔退休储蓄，同时失去的还有所有与他们共事并爱着他们的人。有点艰难。
Had a friend with too much start up spirit. Basically wanted to create a microbial soil add-in. Great, she knows biology and is good at it. Problem is she does 0 market research and I have never met someone with less foresight to this day. Convinces other people to waste their time on this dumb project with her. They work for two years getting this thing together. I work in the industry they wanted to break into. After developing the product they decided to do market research. Realized… Oh… 8 multinational corps have this market cornered and are making the same products at 1/10th the price. Derp, project scrubbed. Thats start up spirit. Just have a drive and intelligence to do shit but not enough business sense to actually create a profitable business.
我有一个朋友，创业精神太强。她基本上想创造一种微生物土壤添加剂。很好，她懂生物学，而且很在行。问题是她根本不做市场调研，我至今也没见过比她更没有远见卓识的人。她说服其他人和她一起把时间浪费在这个愚蠢的项目上。他们花了两年时间才完成这个项目。我从事的行业正是他们想进入的。开发完产品后，他们决定进行市场调研。他们发现......哦......8 个跨国公司已经占领了这个市场，他们生产同样的产品，价格只有他们的 1/10。糟糕，项目泡汤了。这就是创业精神。只是有干一番大事业的动力和智慧，却没有足够的商业意识来真正创建一个有利可图的企业。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
我有一个朋友，创业精神太强。她基本上想创造一种微生物土壤添加剂。很好，她懂生物学，而且很在行。问题是她根本不做市场调研，我至今也没见过比她更没有远见卓识的人。她说服其他人和她一起把时间浪费在这个愚蠢的项目上。他们花了两年时间才完成这个项目。我从事的行业正是他们想进入的。开发完产品后，他们决定进行市场调研。他们发现......哦......8 个跨国公司已经占领了这个市场，他们生产同样的产品，价格只有他们的 1/10。糟糕，项目泡汤了。这就是创业精神。只是有干一番大事业的动力和智慧，却没有足够的商业意识来真正创建一个有利可图的企业。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
It does save money on showering, fashion, deodorant, laundry, and never having to spend money on dates though.
可以节省淋浴、时尚、除臭剂、洗衣的费用，也不用在约会上花钱。
可以节省淋浴、时尚、除臭剂、洗衣的费用，也不用在约会上花钱。
Bad health
健康状况不佳
健康状况不佳
I’ll add to that: bad teeth.
After spending the better part of a decade on one tooth from root canal to extraction and implant, I’ve put in several thousand dollars. Keep your teeth healthy. You only get two sets and anyone reading this is on their last.
我还要补充一点：牙齿不好。
在一颗牙齿上花了十年的大部分时间，从根管治疗到拔牙和种植，我已经投入了几千美元。保持牙齿健康。你只能得到两套，读到这篇文章的人都是最后一套。
After spending the better part of a decade on one tooth from root canal to extraction and implant, I’ve put in several thousand dollars. Keep your teeth healthy. You only get two sets and anyone reading this is on their last.
我还要补充一点：牙齿不好。
在一颗牙齿上花了十年的大部分时间，从根管治疗到拔牙和种植，我已经投入了几千美元。保持牙齿健康。你只能得到两套，读到这篇文章的人都是最后一套。
This is so true! My grandma was a dental assistant and she always stressed the importance of dental hygiene to us. I'm 22 and I'm on the way to getting my second extraction. It just isn't worth it to not take care of your teeth.
I think a big part of it is that if you aren't properly taught how to do things like brush regularly or floss, you'll be doing it wrong and it won't help. Then it doesn't seem like brushing/flossing is doing anything to help, so people just stop doing it as often (if not entirely) when it isn't working because they're just not doing it correctly. My last dental hygienist revolutionized my dental health because he taught me how to floss properly. I can actually reach all of my teeth, and it takes me such less time now. I'm really grateful to him. I think the general public's dental health would be better if people had to show their hygienist how they're brushing/flossing so they can be advised on how to improve their technique. It definitely wouldn't eradicate gum disease and cavities, but I feel like it would make a difference for enough people that it would be a net positive. I didn't even know I wasn't properly flossing until I told my hygienist that I had trouble reaching some of my teeth.
这是千真万确的！我的奶奶是一名牙科助理，她总是向我们强调牙齿卫生的重要性。我今年 22 岁，即将进行第二次拔牙。不照顾好牙齿是不值得的。
我认为其中很大一部分原因是，如果你没有正确地学习如何定期刷牙或使用牙线等事情，你就会做错，而且不会有任何帮助。然后，刷牙/使用牙线似乎没有任何帮助，所以当它不起作用时，人们就会停止经常（如果不是完全）这样做，因为他们只是没有正确地做。我的上一位牙科保健员彻底改变了我的牙齿健康，因为他教我如何正确使用牙线。我实际上可以触及所有牙齿，而且现在花费的时间更少了。我真的很感谢他。我认为，如果人们必须向他们的卫生员展示他们如何刷牙/使用牙线，以便他们可以得到有关如何改进技术的建议，那么公众的牙齿健康会更好。它肯定不会根除牙龈疾病和蛀牙，但我觉得这会对足够多的人产生影响，这将是一个净积极的结果。我什至不知道我没有正确使用牙线，直到我告诉我的卫生员我很难接触到我的一些牙齿。
I think a big part of it is that if you aren't properly taught how to do things like brush regularly or floss, you'll be doing it wrong and it won't help. Then it doesn't seem like brushing/flossing is doing anything to help, so people just stop doing it as often (if not entirely) when it isn't working because they're just not doing it correctly. My last dental hygienist revolutionized my dental health because he taught me how to floss properly. I can actually reach all of my teeth, and it takes me such less time now. I'm really grateful to him. I think the general public's dental health would be better if people had to show their hygienist how they're brushing/flossing so they can be advised on how to improve their technique. It definitely wouldn't eradicate gum disease and cavities, but I feel like it would make a difference for enough people that it would be a net positive. I didn't even know I wasn't properly flossing until I told my hygienist that I had trouble reaching some of my teeth.
这是千真万确的！我的奶奶是一名牙科助理，她总是向我们强调牙齿卫生的重要性。我今年 22 岁，即将进行第二次拔牙。不照顾好牙齿是不值得的。
我认为其中很大一部分原因是，如果你没有正确地学习如何定期刷牙或使用牙线等事情，你就会做错，而且不会有任何帮助。然后，刷牙/使用牙线似乎没有任何帮助，所以当它不起作用时，人们就会停止经常（如果不是完全）这样做，因为他们只是没有正确地做。我的上一位牙科保健员彻底改变了我的牙齿健康，因为他教我如何正确使用牙线。我实际上可以触及所有牙齿，而且现在花费的时间更少了。我真的很感谢他。我认为，如果人们必须向他们的卫生员展示他们如何刷牙/使用牙线，以便他们可以得到有关如何改进技术的建议，那么公众的牙齿健康会更好。它肯定不会根除牙龈疾病和蛀牙，但我觉得这会对足够多的人产生影响，这将是一个净积极的结果。我什至不知道我没有正确使用牙线，直到我告诉我的卫生员我很难接触到我的一些牙齿。
Electric toothbrush is a great tool
电动牙刷是个好工具
电动牙刷是个好工具
I spend so much money on healthcare. Not really my fault though. Fuck genetics and the awful diseases they gave me.
我在医疗保健上花了很多钱。不过这并不是我的错。去他妈的遗传学和他们给我带来的可怕的疾病。
我在医疗保健上花了很多钱。不过这并不是我的错。去他妈的遗传学和他们给我带来的可怕的疾病。
Divorce is the most expensive thing you can do
离婚是最昂贵的事情。
离婚是最昂贵的事情。
It's expensive because it's worth it
它很贵，因为它值得
它很贵，因为它值得
Well then. If it's really worth it, that must be why my boss has done it four times already! Is he winning?
好吧。如果真的值得的话，那一定是我老板已经这么做了四次的原因了！他赢了吗？
好吧。如果真的值得的话，那一定是我老板已经这么做了四次的原因了！他赢了吗？
Divorce does not hold a candle to how expensive gambling addiction is.
离婚比不上赌博成瘾的代价。
离婚比不上赌博成瘾的代价。
They have done studies and gambling addiction is harder to break than crack or heroin. Once a drug addict gets clean don't have tens of thousands of dollars or more in gambling debts. Gambling addicts will do anything to keep going and will cash in their retirement funds, max out any credit they can get, take out second mortgages and even stealing to keep gambling.
他们做过研究，赌博成瘾比戒除海洛因更难。一旦吸毒成瘾者戒掉毒瘾，就不会背负数万美元或更多的赌债。赌博成瘾者会不择手段地继续赌博，他们会兑现他们的退休金，最大限度地利用他们可以获得的信贷，申请第二抵押贷款，甚至通过偷窃来继续赌博。
他们做过研究，赌博成瘾比戒除海洛因更难。一旦吸毒成瘾者戒掉毒瘾，就不会背负数万美元或更多的赌债。赌博成瘾者会不择手段地继续赌博，他们会兑现他们的退休金，最大限度地利用他们可以获得的信贷，申请第二抵押贷款，甚至通过偷窃来继续赌博。
Paul Merson, a former professional footballer and gambling addict, put it this way:
"There's only so much drugs and alcohol you can put in your body at one time before you pass out or die. But you can gamble all of your money away and more in one go."
前职业足球运动员和赌博成瘾者保罗·默森 (Paul Merson) 是这样说的：
“在你昏倒或死亡之前，你一次只能放入这么多的药物和酒精。但你可以一次性把所有的钱都赌光，甚至更多。”
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
"There's only so much drugs and alcohol you can put in your body at one time before you pass out or die. But you can gamble all of your money away and more in one go."
前职业足球运动员和赌博成瘾者保罗·默森 (Paul Merson) 是这样说的：
“在你昏倒或死亡之前，你一次只能放入这么多的药物和酒精。但你可以一次性把所有的钱都赌光，甚至更多。”
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
I have way more money now than when married. He was a gambler/risk taker/compulsive shopper. Dead weight is now gone and finances improving.
我现在比结婚时有钱多了。他是一个赌徒/冒险家/强迫性购物者。现在，沉重的负担已经消失，财务状况也有所改善。
我现在比结婚时有钱多了。他是一个赌徒/冒险家/强迫性购物者。现在，沉重的负担已经消失，财务状况也有所改善。
Well, it certainly sounds like the marriage was lucrative for him! So I guess its only half right
嗯，听起来这桩婚姻对他来说确实是有利可图的！所以我猜它只对了一半
嗯，听起来这桩婚姻对他来说确实是有利可图的！所以我猜它只对了一半
Disability or critical illness has it beat.
There’s not only massive expenses but also loss of income and also not reaching full earning potential.
The trifecta.
残疾或危重疾病已得到解决。
不仅有大量的开支，而且还有收入损失，而且也没有充分发挥收入潜力。
三连胜。
There’s not only massive expenses but also loss of income and also not reaching full earning potential.
The trifecta.
残疾或危重疾病已得到解决。
不仅有大量的开支，而且还有收入损失，而且也没有充分发挥收入潜力。
三连胜。
Getting into a “keeping up with the Jones’s” mentality.
I take personal pride in living a little below my means, and as I’m nearing retirement I have lots of financial security and the ability to do whatever I want within my means. I’m going to retire in two years with the same net income I earn now.
进入“跟上琼斯”的心态。
我个人为自己的收入略低于自己的收入而感到自豪，而且当我接近退休时，我有很多经济保障，并且有能力在力所能及的范围内做任何我想做的事情。两年后我将退休，净收入与现在相同。
I take personal pride in living a little below my means, and as I’m nearing retirement I have lots of financial security and the ability to do whatever I want within my means. I’m going to retire in two years with the same net income I earn now.
进入“跟上琼斯”的心态。
我个人为自己的收入略低于自己的收入而感到自豪，而且当我接近退休时，我有很多经济保障，并且有能力在力所能及的范围内做任何我想做的事情。两年后我将退休，净收入与现在相同。
Habitually living above their means.
Other smaller bad habits:
Carrying debt on their credit card that grows over time.
Going into deep student debt for a “dream school”
Buying new cars they can’t afford and don’t need.
惯于入不敷出。
其他较小的坏习惯：
信用卡上的债务随着时间的推移而增加。
为了“梦想学校”而背负沉重的学生债务
购买他们买不起也不需要的新车。
Other smaller bad habits:
Carrying debt on their credit card that grows over time.
Going into deep student debt for a “dream school”
Buying new cars they can’t afford and don’t need.
惯于入不敷出。
其他较小的坏习惯：
信用卡上的债务随着时间的推移而增加。
为了“梦想学校”而背负沉重的学生债务
购买他们买不起也不需要的新车。
Medical debt. Not only stuff I owe, but stuff i have to save for knowing I'll need it later.
Oh, I have insurance through my company, and once I hit $5000 for the year, they'll be happy to step in!
Vacation? Heh, more like save up $2000 for a follow up endoscopy so we know for sure they're gone!
医疗债务。不仅是我欠的东西，还有我必须保存的东西，因为我知道我以后会需要它。
哦，我通过公司购买了保险，一旦我今年的收入达到 5000 美元，他们就会很乐意介入！
假期？呵呵，更像是节省 2000 美元进行后续内窥镜检查，这样我们就可以确定它们已经消失了！
Oh, I have insurance through my company, and once I hit $5000 for the year, they'll be happy to step in!
Vacation? Heh, more like save up $2000 for a follow up endoscopy so we know for sure they're gone!
医疗债务。不仅是我欠的东西，还有我必须保存的东西，因为我知道我以后会需要它。
哦，我通过公司购买了保险，一旦我今年的收入达到 5000 美元，他们就会很乐意介入！
假期？呵呵，更像是节省 2000 美元进行后续内窥镜检查，这样我们就可以确定它们已经消失了！
Yup, been married almost two decades. We've been on two vacations during that time. One was the honeymoon, the other was possible by the points I got from paying off medical debt. Oh and that deductible, it isn't high enough!! Plus, that deductible doesn't cover any of your drug copays, doctor copays, or any other copay they can come up with that won't go against that deductible. Dropping $15k-20k a year just to not die is some bullshit.
是的，结婚快二十年了。那段时间我们已经度过了两个假期。一是蜜月，二是靠还清医疗债得到的积分来实现。哦，免赔额还不够高！另外，该免赔额不涵盖您的任何药物自付费用、医生自付费用或他们可以提出的任何其他自付费用，这些自付费用不会违反该免赔额。每年花费 15,000 至 20,000 美元只是为了不死，这简直是胡说八道。
是的，结婚快二十年了。那段时间我们已经度过了两个假期。一是蜜月，二是靠还清医疗债得到的积分来实现。哦，免赔额还不够高！另外，该免赔额不涵盖您的任何药物自付费用、医生自付费用或他们可以提出的任何其他自付费用，这些自付费用不会违反该免赔额。每年花费 15,000 至 20,000 美元只是为了不死，这简直是胡说八道。
Choosing the wrong partner (spending too much, divorce, etc)
Having children too early
Buying too much house
选择错误的伴侣（花费过多、离婚等）
太早生孩子
买太多房子
Having children too early
Buying too much house
选择错误的伴侣（花费过多、离婚等）
太早生孩子
买太多房子
Spouse with a shopping addiction..
配偶有购物瘾..
配偶有购物瘾..
I had a spouse with that, and a stealing problem too! She isn’t in my life anymore. Almost ruined me.
我的配偶也有这样的问题，而且还有偷窃问题！她已经不在我的生活中了。差点毁了我。
我的配偶也有这样的问题，而且还有偷窃问题！她已经不在我的生活中了。差点毁了我。
Multi level marketing schemes. They almost all prey upon the poor and only a insignificant amount of people do well. People puffing out their downline are living off the work of those under them.
多层次的营销计划。他们几乎都以穷人为食，只有极少数人过得很好。那些自吹自擂的下属靠下属的工作为生。
多层次的营销计划。他们几乎都以穷人为食，只有极少数人过得很好。那些自吹自擂的下属靠下属的工作为生。
Going into debt for stupid shit like Prada bags.
Endless Ubers everywhere
Eating out all the time.
That’s tens of thousands of dollars a year wasted. Invest that instead and you retire rich.
为普拉达包之类的蠢事负债累累。
无处不在的 Uber 服务
一直在外面吃饭。
每年浪费了数万美元。相反，投资它，你就能富裕地退休。
Endless Ubers everywhere
Eating out all the time.
That’s tens of thousands of dollars a year wasted. Invest that instead and you retire rich.
为普拉达包之类的蠢事负债累累。
无处不在的 Uber 服务
一直在外面吃饭。
每年浪费了数万美元。相反，投资它，你就能富裕地退休。
I was at Boost Juice earlier today as my daughter was getting her free birthday drink and they were bagging up 2 drinks for Uber Eats. Who the heck is ordering Uber Eats for a smoothie? I can’t imagine how overpriced those 2 drinks worked out to be.
今天早些时候，我在 Boost Juice，当时我女儿正在领取免费的生日饮料，他们正在为 Uber Eats 优食打包 2 杯饮料。到底是谁在用 Uber Eats 优食买冰沙？我无法想象这两种饮料的价格有多高。
今天早些时候，我在 Boost Juice，当时我女儿正在领取免费的生日饮料，他们正在为 Uber Eats 优食打包 2 杯饮料。到底是谁在用 Uber Eats 优食买冰沙？我无法想象这两种饮料的价格有多高。
Ah another I see in my line of work, irresponsible spending out of laziness. Aka doordash, fast food, eating out, grocery delivery. That $20 meal on doordash just cost $50, that $100 dinner for you and the wife would have been $15-20 at home. It can feel expensive buying healthy groceries but I assure you its absolutely more affordable.
啊，我在工作中看到了另一个由于懒惰而不负责任的支出。又名doordash、快餐、外出就餐、杂货配送。在doordash上吃的20美元一顿饭只需花费50美元，而你和妻子的100美元晚餐在家里则需要15-20美元。购买健康食品可能会让人感觉很贵，但我向你保证，它绝对更实惠。
啊，我在工作中看到了另一个由于懒惰而不负责任的支出。又名doordash、快餐、外出就餐、杂货配送。在doordash上吃的20美元一顿饭只需花费50美元，而你和妻子的100美元晚餐在家里则需要15-20美元。购买健康食品可能会让人感觉很贵，但我向你保证，它绝对更实惠。
Bad habits. Alcohol, smoking , junk food, fastfood, trash media consumption , and buying things they can barely afford adds up really quick $$$
陋习。酒精、吸烟、垃圾食品、快餐、垃圾媒体消费以及购买他们几乎买不起的东西加起来很快 $$$
陋习。酒精、吸烟、垃圾食品、快餐、垃圾媒体消费以及购买他们几乎买不起的东西加起来很快 $$$
Getting "meaning" from life by spending money
获得“意义”脱离了花钱的生活
获得“意义”脱离了花钱的生活
I want to take this opportunity to thank you for being the reason I didn't just spend the money I don't have on the Xbox I don't need to enjoy with the energy I don't have during the time I won't be asleep.
I'm afraid to re-read this so I just won't.
我想借此机会感谢你，是你让我没有把我没有的钱花在我不需要的 Xbox 上，用我不需要的精力去享受。期间我不会睡觉。
我害怕重新阅读这篇文章，所以我不会。
I'm afraid to re-read this so I just won't.
我想借此机会感谢你，是你让我没有把我没有的钱花在我不需要的 Xbox 上，用我不需要的精力去享受。期间我不会睡觉。
我害怕重新阅读这篇文章，所以我不会。
Eating out all the time- drive thrus, coffee, ordering pizza, etc. Buying fast food for lunch or dinner a few times a week can absolutely decimate your spending and you don't even realize it.
Me and a few buddies did personal budget overhauls and it was shocking to see how many thousands we were spending each year without really thinking about it.
一直在外面吃饭——开车过来、喝咖啡、点披萨等等。每周买几次快餐当午餐或晚餐绝对会大幅削减你的开支，而你甚至没有意识到这一点。
我和几个朋友进行了个人预算改革，令人震惊的是，我们每年在没有真正考虑的情况下花费了数千美元。
Me and a few buddies did personal budget overhauls and it was shocking to see how many thousands we were spending each year without really thinking about it.
一直在外面吃饭——开车过来、喝咖啡、点披萨等等。每周买几次快餐当午餐或晚餐绝对会大幅削减你的开支，而你甚至没有意识到这一点。
我和几个朋友进行了个人预算改革，令人震惊的是，我们每年在没有真正考虑的情况下花费了数千美元。
Buying too big of a house.
买太大的房子。
买太大的房子。
Credit card debt. The interest is so high!
信用卡债务。利息太高了！
信用卡债务。利息太高了！
It's absolutely credit card debt.
People, for various reasons, end up with $10,000 or $20,000 or even more credit card debt. Often it's a slow accumulation due to living paycheck to paycheck and unexpected life events. Missing 3 days of week with illness here. Unpaid holidays there. A car repair you couldn't afford but couldn't afford to go without.
Next thing you know you're just making minimum payments (which are $200-300, likely a significant portion of your income) but it only covers interest. You can't afford to pay off principle, and every negative life event just compounds the problem.
Now you can't build savings, you can't save for retirement. You've essentially been turned into an indentured servant, generating income for the credit card company until you die.
这绝对是信用卡债务。
由于各种原因，人们最终会背负 10,000 美元、20,000 美元甚至更多的信用卡债务。通常，由于生活的薪水和意外的生活事件，这是一个缓慢的积累。因病每周缺勤 3 天。那里无薪假期。一种你买不起但又不能没有的汽车修理服务。
接下来你知道你只需支付最低还款额（200-300 美元，可能占你收入的很大一部分），但它只涵盖利息。你无力还清本金，而生活中的每一个负面事件都会让问题变得更加复杂。
现在你无法建立储蓄，无法为退休储蓄。你本质上已经变成了一个契约仆人，为信用卡公司创造收入，直到你去世。
People, for various reasons, end up with $10,000 or $20,000 or even more credit card debt. Often it's a slow accumulation due to living paycheck to paycheck and unexpected life events. Missing 3 days of week with illness here. Unpaid holidays there. A car repair you couldn't afford but couldn't afford to go without.
Next thing you know you're just making minimum payments (which are $200-300, likely a significant portion of your income) but it only covers interest. You can't afford to pay off principle, and every negative life event just compounds the problem.
Now you can't build savings, you can't save for retirement. You've essentially been turned into an indentured servant, generating income for the credit card company until you die.
这绝对是信用卡债务。
由于各种原因，人们最终会背负 10,000 美元、20,000 美元甚至更多的信用卡债务。通常，由于生活的薪水和意外的生活事件，这是一个缓慢的积累。因病每周缺勤 3 天。那里无薪假期。一种你买不起但又不能没有的汽车修理服务。
接下来你知道你只需支付最低还款额（200-300 美元，可能占你收入的很大一部分），但它只涵盖利息。你无力还清本金，而生活中的每一个负面事件都会让问题变得更加复杂。
现在你无法建立储蓄，无法为退休储蓄。你本质上已经变成了一个契约仆人，为信用卡公司创造收入，直到你去世。
Last year the job I worked for decided to replace everyone In my department with 3rd party contractors, basically forcing me to take a 40% pay cut that despite my best efforts still caused me to accumulate almost 12k in credit card debt. At least I just got a promotion at my new job that I can pay it all off in about 1-2 years. That's still 2 years down the drain though.
去年，我工作的单位决定用第三方承包商来取代我部门的所有人，这基本上迫使我减薪 40%，尽管我已经尽了最大努力，但我还是欠下了将近 1.2 万的信用卡债务。至少我刚在新工作中升职，可以在 1-2 年内还清所有债务。不过，那也是两年后的事了。
去年，我工作的单位决定用第三方承包商来取代我部门的所有人，这基本上迫使我减薪 40%，尽管我已经尽了最大努力，但我还是欠下了将近 1.2 万的信用卡债务。至少我刚在新工作中升职，可以在 1-2 年内还清所有债务。不过，那也是两年后的事了。
slow accumulation/unexpected life events
Happened to me. It took me three years of extremely frugal living to clear the debt. But once I did, I kept living frugally - even after I got a new job with better pay - and now have investments and savings that should cover most emergency situations. I still have the CC and use it, but only for the insurance cover. And it gets paid back in full every month.
缓慢积累/意外生活事件
发生在我身上。我花了三年时间过着极其节俭的生活才还清了债务。但一旦还清了债务，我就继续过节俭的生活--甚至在我找到一份薪水更高的新工作之后--现在我的投资和储蓄足以应付大多数紧急情况。我仍然有信用卡，也在使用，但只是为了保险。而且每个月都会全额还款。
Happened to me. It took me three years of extremely frugal living to clear the debt. But once I did, I kept living frugally - even after I got a new job with better pay - and now have investments and savings that should cover most emergency situations. I still have the CC and use it, but only for the insurance cover. And it gets paid back in full every month.
缓慢积累/意外生活事件
发生在我身上。我花了三年时间过着极其节俭的生活才还清了债务。但一旦还清了债务，我就继续过节俭的生活--甚至在我找到一份薪水更高的新工作之后--现在我的投资和储蓄足以应付大多数紧急情况。我仍然有信用卡，也在使用，但只是为了保险。而且每个月都会全额还款。
I don't know why but my dad started getting into credit cards at one point. We were poor and maybe he was tired of not having much money to spend? Mom said he acted like we had money to pay for the credit cards but we didn't. He'd max one out and then just open another one. I'm not sure I want to say how much debt he got into but it almost sent us to the poor house cause we got so far behind in bills and such. It took him about 20 years to pay it all off.
我不知道为什么我父亲开始使用信用卡。也许他厌倦了没多少钱花？妈妈说，他表现得好像我们有钱还清信用卡，但其实我们没有。他会刷爆一张，然后再开一张。我不想说他欠了多少债，但这几乎把我们送进了贫困之家，因为我们拖欠的账单之类的太多了。他花了大约 20 年时间才还清所有债务。
我不知道为什么我父亲开始使用信用卡。也许他厌倦了没多少钱花？妈妈说，他表现得好像我们有钱还清信用卡，但其实我们没有。他会刷爆一张，然后再开一张。我不想说他欠了多少债，但这几乎把我们送进了贫困之家，因为我们拖欠的账单之类的太多了。他花了大约 20 年时间才还清所有债务。
woooooo capitalism!
呜呜资本主义！
呜呜资本主义！
I recently made a huge purchase on a credit card (like $6k, I had the cash saved but wanted the credit travel points) and I usually pay off my cards each month so don’t really look at the statements but I was looking at this big one & I couldn’t believe the little box that said something like “if you make the minimum payment on this card you’ll pay X amount in interest and it will take you X years to pay off” - I don’t remember the numbers but they were ASTRONOMICAL. I knew I had the cash to pay in full but just seeing that made me feel stressed out!
最近，我用信用卡刷了一笔大额消费（大约 6000 美元，我存了现金，但想要信用卡旅行积分），我通常每个月都会还清信用卡账单，所以不太看账单，但我在看这张大额账单时，我简直不敢相信那个小方框里写着 "如果您支付这张信用卡的最低还款额，您将支付 X 笔利息，并且需要 X 年才能还清 "之类的话--我不记得数字了，但它们简直是天文数字。我知道我有足够的现金来全额还款，但仅仅看到这些数字就让我感到压力山大！
最近，我用信用卡刷了一笔大额消费（大约 6000 美元，我存了现金，但想要信用卡旅行积分），我通常每个月都会还清信用卡账单，所以不太看账单，但我在看这张大额账单时，我简直不敢相信那个小方框里写着 "如果您支付这张信用卡的最低还款额，您将支付 X 笔利息，并且需要 X 年才能还清 "之类的话--我不记得数字了，但它们简直是天文数字。我知道我有足够的现金来全额还款，但仅仅看到这些数字就让我感到压力山大！
The US credit card system is very interesting to me. In Germany (almost) every credit card is tied to a bank account. That means you don‘t get a bill but the money gets taken direktly from the account and if there is no money the card will stop working. It is also harder to get additional cards so that spiral of paying off credit cards with credit cards is much harder to start.
美国的信用卡系统对我来说很有趣。在德国（几乎）每张信用卡都与一个银行账户绑定。这意味着您不会收到账单，但钱会直接从帐户中扣除，如果没有钱，该卡将停止工作。获得额外的信用卡也更加困难，因此用信用卡还清信用卡的螺旋式上升更难开始。
美国的信用卡系统对我来说很有趣。在德国（几乎）每张信用卡都与一个银行账户绑定。这意味着您不会收到账单，但钱会直接从帐户中扣除，如果没有钱，该卡将停止工作。获得额外的信用卡也更加困难，因此用信用卡还清信用卡的螺旋式上升更难开始。
That just sounds like a debit card....
听起来就像借记卡一样......
听起来就像借记卡一样......
The U.S Credit Card system is all about profits….
Just like most other systems and institutions in place in the U.S.
美国信用卡系统的一切都是为了利润......
就像美国现有的大多数其他系统和机构一样
Just like most other systems and institutions in place in the U.S.
美国信用卡系统的一切都是为了利润......
就像美国现有的大多数其他系统和机构一样
That's not a credit card it's a debit card we have both in the usa
这不是信用卡，而是借记卡，我们在美国都有
这不是信用卡，而是借记卡，我们在美国都有
More people need to learn about what happens when you give the banks a middle finger while holding nothing in your hands. You want change? This is part of it.
更多的人需要了解，当你双手空空地向银行竖起中指时，会发生什么。你想要改变吗？这是其中的一部分。
更多的人需要了解，当你双手空空地向银行竖起中指时，会发生什么。你想要改变吗？这是其中的一部分。
Yeah, venture into the budgeting or finance sub reddits and look upon in horror at the amounts and number of credit cards and loans people with utter trash incomes are carrying around
是的，去reddits金融看看吧，你会惊恐地看到那些收入低得可怜的人随身携带的信用卡和贷款的金额和数量。
是的，去reddits金融看看吧，你会惊恐地看到那些收入低得可怜的人随身携带的信用卡和贷款的金额和数量。
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