【TED演讲】退休的四个阶段

发布于 2026-01-07 · 时长 13:24

字幕摘录

时间	英文	中文
0:11	Everyone says you have to get ready to retire financially.	大家都说你要准备好在经济上退休
0:16	And of course you do.	当然了
0:17	But what	但怎样
0:18	they don't tell you is that you also have to get ready psychologically.	他们不告诉你,你还必须心理准备。
0:24	Who knew?	谁知道呢?
0:24	But	不过
0:26	it's important for a couple of reasons.	这很重要有几个原因。
0:29	First, 10,000 North Americans will retire today and	首先,一万北美人今天将退休
0:35	every day for the next 10 to 15 years.	接下来的10到15年里每天都有
0:39	This is a retirement tsunami.	这是一个退休海啸。

展开字幕全文（183 条）

序号	英文	中文
1	Everyone says you have to get ready to retire financially.	大家都说你要准备好在经济上退休
2	And of course you do.	当然了
3	But what	但怎样
4	they don't tell you is that you also have to get ready psychologically.	他们不告诉你,你还必须心理准备。
5	Who knew?	谁知道呢?
6	But	不过
7	it's important for a couple of reasons.	这很重要有几个原因。
8	First, 10,000 North Americans will retire today and	首先,一万北美人今天将退休
9	every day for the next 10 to 15 years.	接下来的10到15年里每天都有
10	This is a retirement tsunami.	这是一个退休海啸。
11	And when these folks	当这些人
12	come crashing onto the beach, a lot of them are going to feel like fish out of water without	冲上海滩,他们中很多人会觉得像鱼出水没有
13	a clue as to what to expect.	一个线索,什么是期待。
14	Secondly, it's important because there is a very good chance	第二,这很重要,因为有很好的机会
15	that you will live one third of your life in retirement.	让你在退休时活过三分之一
16	So it's important that you	所以,重要的是你
17	have a heads up to the fact that there will be significant psychological changes and challenges	面对将出现重大心理变化和挑战的事实
18	that come with it.	随它而来。
19	I belong to a walking group that meets early, three mornings a week.	我属于一个步行小组每周三早开会
20	Our	我们
21	primary goal is to put 10,000 steps on our Fitbits and then we go for coffee and cinnamon buns,	首要目标是让我们的Fitbits上10000步然后我们去买咖啡和肉桂包
22	more importantly.	更重要的是,你应该知道
23	So as we walk, we've gotten the habit of choosing a topic for discussion.	因此,当我们走的时候,我们得到了选择讨论话题的习惯。
24	And one	一个
25	day, the topic was, how do you squeeze all the juice out of retirement?	一天,话题是, 你怎么挤出所有的汁从退休?
26	How's that for seven	7个怎么样?
27	o'clock in the morning?	早上几点?
28	So we walk and we talk and the next day we go on to the next topic.	所以我们走着走着聊着,第二天我们接着讨论下一个话题。
29	But the	不过
30	question stayed with me because I was really having some challenges with retirement.	问题一直留在我身边因为我在退休方面确实遇到一些挑战
31	I was	и琌
32	busy enough, but I really didn't feel that I was doing very much that was significant or important.	够忙了但我真的觉得自己没有做很多重要的事
33	I was really struggling.	我真的很难熬
34	I thought I had a pretty good idea of what success looked like in a working	我以为我对工作上的成功有很好的认识
35	career, but when it came to retirement, it was fuzzier for me.	但退休的时候对我来说是一团糟
36	So I decided to dig deeper and	所以我决定挖深一点
37	what I discovered was that much of the material on retirement focuses on the financial and or the	我发现很多关于退休的材料都集中在财务上或财务上
38	estate side of things.	财产方面的东西。
39	And of course, they're both important, but just not what I was looking for.	当然,它们都很重要, 但不是我想要的。
40	So I interviewed dozens and dozens of retirees and I asked them the question, how do you squeeze	所以我采访了几十名退休人员我问他们一个问题,你怎么挤
41	all the juice out of retirement?	全部的汁从退休?
42	What I discovered was that there is a framework that can help make	我发现有一个框架可以帮助我们
43	sense of it all.	感觉到这一切。
44	And that's what I want to share with you today.	这就是我今天想跟大家分享的
45	You see, there are four distinct	你看,有四个不同的
46	phases that most of us move through in retirement.	我们大部分人在退休时都经历过的阶段。
47	And as you'll see, it's not always a smooth ride.	且如所见,不总是顺行.
48	In the next few minutes, you'll recognize which phase you're in if you're retired.	在接下来的几分钟里,你会识别出你处于哪个阶段如果你退休。
49	And if you're	狦琌
50	not, you'll have a better idea of what to expect when that time comes.	不,你会有一个更好的想法当那个时间到来。
51	And best of all, you'll know	最重要的是,你会知道
52	that there is a phase four, the most gratifying, satisfying of the four phases.	第四阶段是四个阶段中最令人满意的阶段。
53	And that's where	就是这样
54	you can squeeze all the juice out of retirement.	你可以挤出所有的汁从退休。
55	Phase one is the vacation phase.	第一阶段是休假阶段。
56	And that's just	这就是
57	what it's like.	何谓.
58	You wake up when you want, you do what you want all day.	你醒来的时候想做什么就做什么
59	And the best part is that	而最好的部分是,
60	there is no set routine.	没有固定的常规。
61	For most people, phase one represents their view of an ideal retirement,	对大多数人来说,第一阶段代表他们的理想退休观点,
62	relaxing, fun in the sun, freedom, baby.	放松,阳光下的乐趣,自由,宝贝
63	And for most folks, phase one lasts for about a year or so.	对大多数人来说,第一阶段持续大约一年左右。
64	And then strangely, it begins to lose its luster.	然后奇怪的是,它开始失去它的色欲。
65	We begin to feel a bit bored.	我们开始觉得有点无聊。
66	We actually miss our	我们真的想念我们
67	routine.	常规。
68	Something in us seems to need one.	我们身上有些东西需要的
69	And we ask ourselves, is that all there is to retirement?	我们自问, 退休就够了吗?
70	Now, when these thoughts and feelings start to bubble up, you have already moved into phase two.	现在,当这些想法和感情开始浮出水面, 你已经进入第二阶段。
71	Phase two is when we feel loss and we feel lost.	第二阶段是当我们感到迷失和迷失的时候。
72	Phase two is when we lose the big five,	第二阶段是当我们失去大五,
73	significant losses, all associated with retirement.	重大损失,全部与退休有关。
74	We lose that routine.	我们失去了这个常规。
75	We lose a sense of identity.	我们失去了一种认同感。
76	We lose many of the relationships that we had established at work.	我们失去了我们在工作中建立的许多关系。
77	We lose a sense of purpose.	我们失去了一种目的感。
78	And for some people, there is a loss of power.	对有些人来说,权力是丧失的。
79	Now, we don't see these things coming.	现在,我们看不到这些东西来了。
80	We didn't see	我们没看到
81	these losses coming.	这些损失即将发生。
82	And because they happen all at once, it's like poof, gone.	因为它们一瞬间就发生,就好像泡泡,不见了
83	It's traumatic.	这是创伤。
84	Phase two is also when we come face to face with the three Ds, divorce, depression, and decline,	第二阶段也是我们面对三个D的时候离婚、抑郁和衰落
85	both physical and mental.	无论是身体还是精神
86	The result of all of this is that we can feel like we've been hit by a bus.	这一切的结果是,我们可以感觉自己被巴士撞到了.
87	You see, before we can appreciate and enjoy some of the positive aspects associated with	你看,在我们能够欣赏和享受与下列因素有关的一些积极方面之前,
88	phase three and four, you are going to, in phase two, feel fear, anxiety, and quite even	第3阶段和第4阶段, 在第二阶段,你会感到恐惧,焦虑, 和相当平平
89	depression.	抑郁症。
90	That's just the way it is.	师便打曰.
91	So buckle up.	系好安全带
92	Get ready.	准备好
93	Fortunately, at some point,	幸运的是,在某些时候,
94	most of us say to ourselves, hey, I can't go on like this.	我们大多数人都对自己说我不能这样下去
95	I don't want to spend the rest of my	我不想花剩下的时间
96	life, perhaps 30 years, feeling like this.	生活,也许30年, 感觉像这样。
97	And when we do, we've turned a corner to phase three.	当我们这样做的时候,我们已经转弯到第三阶段。
98	Phase three is a time of trial and error.	第三阶段是试验和错误的时间。
99	In phase three, we ask ourselves, how can I	在第三阶段,我们问自己,我怎么能
100	meaningful again?	又有意义吗?
101	How can I contribute?	我该怎么贡献?
102	The answer often is to do things that you love to do	答案往往是做你喜欢做的事
103	and do really well.	干得不错
104	But phase three can also deliver some disappointment and failure.	但是,第三阶段也可以带来一些失望和失败。
105	For example, I spent a couple of years serving on a condo board until I finally got tired of being	例如,我花了几年时间在公寓板上工作直到我终于厌倦了生活
106	decided that we were going to plant daffodils rather than the traditional daisies.	决定要种植水仙而不是传统的菊花.
107	And we got yelled at.	我们被骂了
108	Go figure.	试试看
109	I thought about law school, thinking perhaps of becoming a	我想到了法学院, 考虑也许成为一个
110	paralegal, and then I completed a program on dispute resolution.	律师助理,然后我完成了一个解决纠纷的方案。
111	It all went nowhere.	这一切都没有结果。
112	I love	我爱
113	to write.	写作。
114	So I created a program called Getting Started on Your Memoirs.	于是我创建了一个名为"开始你的回忆录"的程序.
115	That program has met with	这个节目已经见过了
116	limited success.	成绩有限。
117	It's been a rocky road for me, too, and I told you to buckle up.	这条路对我来说也太崎岖了我叫你系好安全带
118	Now, I know all this can sound bad, but it's really important to keep trying and experimenting with	我知道这听起来很糟但是继续尝试和试验
119	different activities that'll make you want to get up in the morning again, because if you don't,	不同的活动会让你想早上再起床因为如果你不起床
120	there's a real good chance of slipping back into phase two, feeling like you've been hit by a bus,	回到第二阶段感觉你被巴士撞了
121	and that is not a happy prospect.	这不是一个快乐的前景。
122	Not everyone breaks through to phase four,	不是每个人都进入第四阶段
123	but those who do are some of the happiest people I have ever met.	但他们是我见过最幸福的人之一
124	Phase four is a time to reinvent	第四阶段是重新发明的时候
125	and rewire, but phase four involves answering some tough questions, too.	但是第四阶段也涉及回答一些难题
126	Like, what's the	喜欢,是什么
127	purpose here?	这里的目的?
128	What's my mission?	我的任务是什么?
129	How can I squeeze all the juice out of retirement?	我怎么能挤出所有的汁从退休?
130	You see, it's	你看,这是
131	important that we find activities that are meaningful to us and that give us a sense of	我们必须找到对我们有意义的活动,使我们感到
132	accomplishment, and my experience is that it almost always involves service to others.	我的经验是,它几乎总是涉及为他人服务。
133	Maybe it's helping a charity that you care about.	也许这对你关心的慈善事业有帮助
134	Maybe you'll be like the old Coots.	也许你会像老库茨。
135	Yeah, these folks took a booth in the local farmers market and were prepared to give their	这些人在当地的农贸市场搭了个摊位准备给他们
136	advice based on their vast years of experience to anyone who came by.	根据他们多年的经验向前来的人提供建议
137	So, one of their first	所以,他们的第一个
138	visitors was a kid who wanted help with his math homework on his tablet.	参观者是一个孩子谁想帮助他的数学功课在他的平板上。
139	They did the best they	他们做的最好
140	could.	说得没错
141	Or maybe you'll be like my friend Bill.	或者你会像我的朋友比尔一样
142	I met Bill a few years ago in a 55 plus activity	我几年前在55号外的活动中认识了比尔
143	group.	组合。
144	In the summer, we golf together and walk together and bicycle together, and in the winter,	夏天,我们一起打高尔夫,一起走,一起骑自行车,冬天,
145	we curl.	我们卷曲。
146	But Bill had this idea that we should exercise our brains as well.	但比尔有这个想法,我们应该锻炼我们的大脑。
147	He believed that	他认为
148	there was a tremendous pool of expertise and experience in our group, and so he approached	我们集团拥有大量专门知识和经验,因此他与
149	a number of folks and asked if they would volunteer to teach some of the things that they love to do	问他们是否愿意自愿教他们喜欢做的事
150	to others.	对其他人。
151	And almost invariably, they agreed.	他们几乎总是同意
152	Bill himself taught two sessions, one on iPads	比尔亲自教了两堂课,一堂关于iPads
153	and one on iPhones, because we were smart enough to know that a number of our members had been	和iPhones上的一个,因为我们很聪明,知道我们的一些成员曾经是
154	given these things as gifts at Christmas by their children, and that they barely knew how to turn	孩子们在圣诞节送了这些礼物他们几乎不知道如何转身
155	them on.	穿上他们。
156	The first year, we offered nine programs, and there were 200 folks signed up.	第一年,我们提供了9个节目, 有200人报名。
157	The next year,	下一年,我们...
158	that number expanded to 45 programs, with over 700 folks participating.	人数增加到45个,有700多人参加。
159	And the following year, we offered over 90 programs and had 2,100 registrations.	次年,我们提供了90多个计划并有2,100个注册
160	Amazing.	厉害
161	That was Bill.	那是比尔。
162	Our members taught us to play bridge and mahjong.	我们的成员教我们打桥牌和麻将.
163	They taught us to paint.	他们教我们画画
164	They taught us to repair our bicycles.	他们教我们修自行车
165	We tutored and mentored local school kids.	我们辅导和辅导当地学校的孩子。
166	We set up	我们设好了
167	English as a Second Language programs for newcomers.	英语作为新来者的第二语言程序.
168	We had book clubs.	我们有读书俱乐部。
169	We had film clubs.	我们有电影俱乐部。
170	We even had a few golf clubs.	我们甚至有几家高尔夫球俱乐部
171	Exhausting, but exhilarating.	精疲力竭,但振奋人心.
172	That's what's possible	这是可能的
173	in Phase 4.	第4阶段。
174	And do you remember the five losses that we talked about in Phase 2?	你还记得我们在第二阶段谈到的五个损失吗?
175	The loss of our routine and identity and relationships and purpose and power?	失去我们的日常和身份关系和目的与权力?
176	In Phase 4, these are all recovered.	在第四阶段,这些都被收回。
177	It is magic to see.	这是魔术看到。
178	Magic.	魔术
179	So, I urge you to enjoy	所以,我敦促你享受
180	your vacation in Phase 1.	您在第一阶段的假期。
181	Be prepared for the losses in Phase 2.	为第二阶段的损失做好准备。
182	Experiment and try as many	试试看,尽量多
183	different things as you can in Phase 3, and squeeze all the juice out of retirement in Phase 4.	3号阶段可以有不同的东西 4号阶段可以挤出全部的汁液

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