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| 人生贏家：智慧投資讓你坐擁百萬(wàn)存款享受無(wú)憂人生 | |
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發(fā)起人：eging3 回復(fù)數(shù)：1 瀏覽數(shù)：4185 最后更新：2022/9/28 21:14:33 by nihaota |
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eging3 發(fā)表于 2017/3/29 11:13:41
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人生贏家：智慧投資讓你坐擁百萬(wàn)存款享受無(wú)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(wàn)存款享受無(wú)憂人生
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(shí)候，31歲的克里斯蒂?gòu)乃?jì)算機(jī)工程師的職位退休了，銀行里還有著100萬(wàn)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(wàn)美元，又是怎么投資的，還有她對(duì)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(duì)克里斯蒂來(lái)說(shuō)，“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?yàn)槟阃顿Y回報(bào)可以支付你的生活支出所以事實(shí)上你可以選擇工作與否?！彼嬖V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(shí)上，我也發(fā)現(xiàn)，人們并沒(méi)有意識(shí)到他們工作時(shí)的消費(fèi)，這很愚蠢，”她在播客上告訴托拉比?！吧习鄷r(shí)你每天的交通費(fèi)是多少？你買職業(yè)裝和干洗的費(fèi)用是多少？對(duì)于有孩子的人來(lái)說(shuō)，你花在幼兒園和保姆上的費(fèi)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(guò)的一件事就是他們的消費(fèi)下降了，因?yàn)橐磺懈ぷ饔嘘P(guān)的費(fèi)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(fèi)用可能下降了，但這只發(fā)生在你注意到你花費(fèi)在哪里的時(shí)候?？死锼沟僬f(shuō)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(shí)需要注意的？”托拉比問(wèn)道?！皬纳罘绞降慕嵌葋?lái)看，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(shuō)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(rèn)為我失去太多，這更像是靈活面對(duì)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(huì)再被那些比如說(shuō)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(jué)很好，因?yàn)槲也辉俦还ぷ麒滂簟?/font> |
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nihaota 發(fā)表于 2022/9/28 21:14:35
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