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人生贏家：智慧投資讓你坐擁百萬存款享受無憂人生
	發(fā)起人：eging3　　回復數(shù)：1　　瀏覽數(shù)：4183　　最后更新：2022/9/28 21:14:33 by nihaota

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2017/3/29 11:13:41

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人生贏家：智慧投資讓你坐擁百萬存款享受無憂人生

Why retirement might not be as expensive as you think

人生贏家：智慧投資讓你坐擁百萬存款享受無憂人生

Kristy Shen may be the youngest retiree in Canada.

克里斯蒂可能是加拿大最年輕的養(yǎng)老族。

In 2015, the 31-year-old retired from her job as a computer engineer with $1 million in the bank. Now, she travels the world with her husband Bryce.

2015年的時候，31歲的克里斯蒂從她計算機工程師的職位退休了，銀行里還有著100萬美元的存款?，F(xiàn)在，她正和她的丈夫布萊斯周游世界。

On an episode of Farnoosh Torabi’s podcast So Money, the blogger behind Millennial Revolution explained how she got to $1 million in savings, how she’s structured her portfolio, and how she plans to support herself for the next 50 years.

在托拉比的播客：“所謂金錢”的一集中，“千年革命”背后的博主解釋了她是如何攢了100萬美元，又是怎么投資的，還有她對后五十年是怎么安排的。

To Shen, "retirement" doesn’t limit you to lounging on a beach. It simply means "you don’t need to work anymore because the passive income from your portfolio pays for your living expenses so you can actually choose to work or not to work at that point," she told Torabi.

對克里斯蒂來說，“退休”并不意味著你要在沙灘上度假。它僅僅意味著“你不必再去上班因為你投資回報可以支付你的生活支出所以事實上你可以選擇工作與否。”她告訴托拉比。

However, Shen has found that retirement isn’t necessarily as expensive as you might think.

雖然，克里斯蒂發(fā)現(xiàn)退休并不像你你想象的那樣昂貴。

I also found that, actually, people don’t realize how much money they’re paying to work, like it’s ridiculous, she told Torabi on the podcast. "How much money you’re paying on commuting to work everyday? How money you have to pay for buying professional clothing and dry cleaning? For people who have kids, how much money they have to pay for daycare and childcare?"

“事實上，我也發(fā)現(xiàn)，人們并沒有意識到他們工作時的消費，這很愚蠢，”她在播客上告訴托拉比?！吧习鄷r你每天的交通費是多少？你買職業(yè)裝和干洗的費用是多少？對于有孩子的人來說，你花在幼兒園和保姆上的費用又是多少？”

One of the things that people don’t realize until after they reach higher is that their costs go down, because all of those costs that are associated with working completely disappear.

“直到人們老了才發(fā)現(xiàn)他們從未注意過的一件事就是他們的消費下降了，因為一切跟工作有關(guān)的費用消失了?！?/font>

Costs might go down, but that’s only if you’re thoughtful about where you spend. Shen said that to live off dividend income (or other savings and investments) flexibility is key. "What are some of the things that you have to be aware of once you ’retire?’" Torabi asked. "What are these things that you find are necessary to have in place and also to be comfortable with from a lifestyle perspective? What do you have to give up?"

費用可能下降了，但這只發(fā)生在你注意到你花費在哪里的時候?？死锼沟僬f靠利息（或者其他的存款和投資）收入的靈活性生活才是關(guān)鍵?！笆裁词虑槭且坏┠阃诵輹r需要注意的？”托拉比問道?！皬纳罘绞降慕嵌葋砜?，什么是你所必須的并且令你舒適的？什么又是你需要放棄的？”

Here’s Shen:

克里斯蒂是這么說的：

I don’t think it’s so much giving up, it’s more like being flexible and then also prioritizing the things that matter and then not caring about the things that don’t matter. What I mean by that is after we retired, not being fixed to the fact that like, I have to live in Toronto or I have to live in San Francisco or somewhere really expensive. I’m okay, because were no longer tied to a job.

我不認為我失去太多，這更像是靈活面對生活，然后把真正重要的事情放在首位，不去在乎并不重要的事情。我的意思是在我們退休之后，不會再被那些比如說我要住在多倫多或者三藩市這樣很貴的地方所束縛。我現(xiàn)在感覺很好，因為我不再被工作桎梏。

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