（中英附文稿）钱越来越多，却还是觉得不够：《金钱心理学》作者
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | It's not necessarily how much you have, it's just a contrast to what you have before. | 不一定你有多少钱,只是与你以前拥有的对比而已. |
| 0:03 | Would you rather have a net worth of a million dollars when you used to have two million, | 你宁愿有100万美元的净值 当你过去有200万美元, |
| 0:08 | or would you rather have a net worth of 500,000 when you used to have 200,000? | 或者当你以前有20万的时候 你宁愿有50万的净额? |
| 0:13 | And psychologically, most people would rather have 500,000. | 从心理上来说,大多数人宁愿有50万。 |
| 0:15 | The speed at which a luxury becomes a necessity is two seconds. | 奢侈成为必需的速度是两秒钟. |
| 0:20 | What advice do you have for somebody living paycheck to paycheck? | 给一个有薪水的人什么建议? |
| 0:23 | I always say two things. | 我常说两句. |
| 0:24 | One is that the second is | 一个是第二个是 |
| 0:28 | affordable housing, I think, is the single biggest social problem because so many other | 我认为,经济适用住房是最大的社会问题,因为其他问题很多。 |
| 0:33 | social problems that might seem bigger than that are downstream of housing. | 似乎比住房下游更大的社会问题。 |
展开字幕全文（236 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | It's not necessarily how much you have, it's just a contrast to what you have before. | 不一定你有多少钱,只是与你以前拥有的对比而已. |
| 2 | Would you rather have a net worth of a million dollars when you used to have two million, | 你宁愿有100万美元的净值 当你过去有200万美元, |
| 3 | or would you rather have a net worth of 500,000 when you used to have 200,000? | 或者当你以前有20万的时候 你宁愿有50万的净额? |
| 4 | And psychologically, most people would rather have 500,000. | 从心理上来说,大多数人宁愿有50万。 |
| 5 | The speed at which a luxury becomes a necessity is two seconds. | 奢侈成为必需的速度是两秒钟. |
| 6 | What advice do you have for somebody living paycheck to paycheck? | 给一个有薪水的人什么建议? |
| 7 | I always say two things. | 我常说两句. |
| 8 | One is that the second is | 一个是第二个是 |
| 9 | affordable housing, I think, is the single biggest social problem because so many other | 我认为,经济适用住房是最大的社会问题,因为其他问题很多。 |
| 10 | social problems that might seem bigger than that are downstream of housing. | 似乎比住房下游更大的社会问题。 |
| 11 | A lot of the drug problem, the fertility crisis, the degradation of politics, | 很多毒品问题 生育危机 政治的恶化 |
| 12 | because if you don't feel like you're invested in your community or you're invested in your country, | 因为如果你觉得自己没被投资到社区里 或者被投资到国家里 |
| 13 | it's much easier to be like, burn the place down. | 烧了这地方就容易多了 |
| 14 | And so much, I wrote this in Psychology Money, | 如此之多,我写这个 在心理学钱, |
| 15 | if you have to serve, like sum up doing well financially in one word, I think it's... | 如果你必须服务, 总结一下,在财务上做得很好 一个字,我想这是... |
| 16 | You've been incredibly successful and sold over 10 million books. | 你非常成功 卖了一千多万本书 |
| 17 | What drives you today? | 今天是什么驱使你? |
| 18 | Well, you've been incredibly successful too, Shane. | 你也很成功,谢恩 |
| 19 | I've looked up to you for years as well, | 我也仰慕你很多年了, |
| 20 | but I bring that up. | 但我提起这一点。 |
| 21 | I think that's an important thing to bring up because what | 我认为这是一件很重要的事 提出,因为什么 |
| 22 | has driven me are people like you and others, James Clear, Michael Lewis, | 詹姆斯·克莉尔 迈克尔·刘易斯 |
| 23 | people who I've really looked up to and not been so crazy to say, I want to be that person one day, | 那些我一直很仰慕的人 也没那么疯狂地说 我想有一天成为那个人 |
| 24 | both because everyone should just do it in their own way. | 因为每个人都应该用自己的方式 |
| 25 | But I've always been... | 但我总是... |
| 26 | I think there's a difference between envy and aspiration. | 我认为羡慕和愿望是不同的. |
| 27 | You can be really inspired by someone's | 你可以真正受到别人的启发 |
| 28 | success without envying them. | 成功而不羡慕他们。 |
| 29 | And if I can name half a dozen people that I've really looked up to | 如果我能点出半打人的名字 我非常期待 |
| 30 | and said like, man, they're a good role model. | 他们说,他们是一个很好的榜样。 |
| 31 | But the important thing is I don't envy them. | 但重要的是 我不羡慕他们 |
| 32 | I can also name half a dozen people I won't, who I've envied. | 我也可以说出半打我不愿,我羡慕的人的名字. |
| 33 | And when I try to get introspective | 当我尝试去思考 |
| 34 | about that, why do I envy that person? | 为什么我羡慕那个人? |
| 35 | It's usually because they achieved a level of success, | 通常是因为他们取得了一定的成功 |
| 36 | but I didn't like how they did it. | 但我不喜欢他们怎么做到的 |
| 37 | And that's a subjective thing. | 这是主观的 |
| 38 | Maybe they're all good people | 也许他们都是好人 |
| 39 | in their own right. | 他们自己的权利。 |
| 40 | I won't be too judgmental, so I won't name them. | 我不会太有判断力,所以我不会给他们起名字. |
| 41 | But I think it's an important | 但我认为这很重要 |
| 42 | distinction. | 区分。 |
| 43 | People in your life who inspire you versus you envy them. | 你生命中的人谁激励你 和你嫉妒他们。 |
| 44 | And I think everyone, | 我想每个人, |
| 45 | if they're honest, probably has some of both. | 如果他们是诚实的, 可能有一些两者。 |
| 46 | But I like looking up to people where it's like, | 但我喜欢仰望人 在那里它喜欢, |
| 47 | not only do I appreciate what you did professionally and think you did it with a high level of integrity | 我不仅欣赏你的专业行为 也认为你是正直的 |
| 48 | and you look like you're having fun doing it. | 看起来你玩得很开心 |
| 49 | But at least from my appearance, | 但至少从我的外表来看 |
| 50 | I like the whole package of the life that you're living. | 我喜欢你那套生活 |
| 51 | And that's really important | 这很重要 |
| 52 | because there's also a lot of people, particularly in finance, who I can say, man, | 因为也有很多人,特别是在金融领域 我可以说,伙计, |
| 53 | career wise, you did amazing. | 职业聪明,你做了惊人的。 |
| 54 | But as I get to know you, I realized that your home life isn't | 但随着我了解你 我意识到你的家庭生活不是 |
| 55 | that great and your health isn't that great. | 伟大的,你的健康不是那么好。 |
| 56 | Or maybe you don't actually enjoy your life. | 或者你实际上不享受你的生活。 |
| 57 | And so do I actually want to chase what you've achieved? | 所以我真的想追求你的成就吗? |
| 58 | Like, no, maybe not. | 像,不,也许不是。 |
| 59 | And so you ask what inspires me. | 所以你问什么激励了我。 |
| 60 | I think it's that having people in your life that you look up to | 我认为是你生命中的人 你仰慕着 |
| 61 | and you can use as a North Star is important. | 你可以当北极星很重要 |
| 62 | The other that I think is really important, | 我认为另一个很重要, |
| 63 | I think this was a Buffett line. | 我想这是巴菲特的台词 |
| 64 | He said, it's really good to have people in your life who you | 他说,有你这样的人 真是太好了 |
| 65 | don't want to disappoint. | 不想让人失望 |
| 66 | Nothing is a bigger motivator in life than having a couple people, | 人生中没有什么比 有一对夫妇更大的动力了 |
| 67 | rarely more than that, that you really don't want to disappoint. | 没有什么比这更让人失望的了 |
| 68 | I really desperately do not want to | 我真的不想这样 |
| 69 | disappoint my parents. | 让我父母失望了 |
| 70 | That's fundamental. | 这是根本的。 |
| 71 | I think most people will have their own version | 我想大多数人会有自己的版本 |
| 72 | of that, but something like that. | 类似的东西。 |
| 73 | And nothing is more of a motivator than that to want to live | 没有什么比想活命更刺激的了 |
| 74 | a good life. | 一个美好的生活。 |
| 75 | But if you look back 30 years ago and you could see what you've accomplished today, | 但是如果你回顾30年前 你可以看到你今天的成就 |
| 76 | the financial success, the status success that you've had, you've blown away any goal | 财政上的成功 状态的成功 你毁了任何目标 |
| 77 | that you would have had. | 你会有。 |
| 78 | Why keep going? | 为什么继续走? |
| 79 | I think in a healthy way, I can have a | 我认为,在一个健康的方式,我可以有一个 |
| 80 | split personality of, on one hand, I can say, man, I'm really good at what I do and I'm achieving | 一方面,我可以说,我很擅长我的工作,我正在实现 |
| 81 | a lot and this is amazing. | 很多,这是惊人的。 |
| 82 | And then I can very quickly flip a switch and say, I'm a nobody and | 然后我可以快速地打开开关 说,我是一个无名小卒 |
| 83 | I've done some really bad work lately. | 我最近做了一些非常糟糕的工作。 |
| 84 | And I think on balance, that's a pretty healthy personality | 我认为,平衡, 这是一个相当健康的个性 |
| 85 | because if you only have the ego side, you're going to run yourself off a cliff. | 因为如果你只有自负的一面 你会从悬崖上逃出来 |
| 86 | And if you only have | 如果你只拥有 |
| 87 | the humble slash depressed side, you're never going to get anywhere. | 谦卑的刀锋 抑郁的一面, 你永远不会得到任何地方。 |
| 88 | And so I've been pretty | 所以我一直很美丽 |
| 89 | good at being able to toggle back and forth sometimes within the same hour, certainly within | 擅长在同一小时内,有时可以回转,当然也可以回转 |
| 90 | the same day. | 在同一天,我们开始... |
| 91 | And so what keeps you going? | 那么,是什么让你去? |
| 92 | Hey, I really enjoy what I do. | 嘿,我真的很喜欢我做的。 |
| 93 | Writing has never felt | 写作从未感觉到 |
| 94 | like work to me. | 喜欢工作对我来说。 |
| 95 | And I think it's the same for you. | 我认为你也是 |
| 96 | It's just an extension of kind of who you are. | 这只是你这种人的延伸 |
| 97 | It's never felt like work. | 它从来没有感觉 像工作。 |
| 98 | And so I enjoy doing it. | 所以我喜欢这样做。 |
| 99 | But also what keeps me going is the healthy | 但也让我保持健康 |
| 100 | side of me. | 我身边。 |
| 101 | Part of me says I can keep doing this and do good work. | 我部分人说,我可以继续这样做,做得很好。 |
| 102 | And then a minute later, | 一分钟后, |
| 103 | the other bird on the shoulder being like, you suck. | 另一只鸟在肩膀上 就像是,你吸。 |
| 104 | You suck at this. | 你吸这个。 |
| 105 | And again, on net, | 同样,在网络上, |
| 106 | I think it's a very healthy personality, even if it's just the two extreme sides. | 我认为这是一个非常健康的个性,即使它只是两个极端的一面. |
| 107 | What can money do for us and what can it do for us? | 钱能为我们做什么,能为我们做什么? |
| 108 | It can do a list of positive things for everybody. | 它可以为每个人做一系列积极的事情。 |
| 109 | What I think is true is that on average, | 我认为这是真的 平均来说, |
| 110 | people who have more money tend to have fewer bad days, but I don't know if they have more better | 有钱人往往少 糟糕的日子,但我不知道 他们是否有更好的 |
| 111 | days. | 几天时间 |
| 112 | I think it is more likely that when you have more money, you are less likely to wake up and be | 我认为,当你有 更多的钱, 你不太可能醒来和成为 |
| 113 | like, man, things are not going well. | 像,男人,事情不顺利。 |
| 114 | But that doesn't necessarily mean that you're going to | 但这并不一定意味着你会 |
| 115 | wake up grinning ear to ear. | 醒来,笑个不停 |
| 116 | Now that's a lifestyle improvement. | 这是生活方式的改善。 |
| 117 | If you have fewer bad days, | 如果你有更少的坏日子, |
| 118 | your life is better. | 你的生活会更好 |
| 119 | That's obviously better than the alternative, but it's not happiness. | 这显然比其他选择更好,但它不是幸福. |
| 120 | It's a very different thing. | 谓之大异. |
| 121 | And I think it can throw some people off when they aspire to happiness | 我想当一些人渴望幸福时,它会把他们赶走 |
| 122 | or they think that what they're achieving and the money they're making should make them happy. | 或他们认为他们的成就 和他们赚的钱 应该让他们高兴。 |
| 123 | Sometimes it does. | 有时会 |
| 124 | Very often it doesn't. | 常不见. |
| 125 | And they wake up and they're like, what happened? | 然后他们醒来,他们喜欢,发生了什么事? |
| 126 | I thought this was going to make me happy, but I'm not. | 我以为这能让我开心 但我不是 |
| 127 | So I think there's a level of expectation | 所以,我认为有一个水平的期望 |
| 128 | setting where I think money can be more like a vaccine where it can prevent a lot of misery, | 我认为钱更像是疫苗 它可以防止很多痛苦 |
| 129 | which is great. | 这是伟大的。 |
| 130 | We don't have polio. | 我们没有脊髓灰质炎 |
| 131 | It's a great thing, but maybe that's a good analogy | 这是件伟大的事情,但也许这是一个很好的类比 |
| 132 | because you and I don't wake up in the morning being like, oh, I'm so glad I don't have polio. | 因为你和我早上不会醒来 就像,哦,我很高兴我没有小儿麻痹症。 |
| 133 | So grateful for the facts. | 感谢事实 |
| 134 | We don't do that. | 我们不这样做。 |
| 135 | We don't think about it. | 我们不考虑它。 |
| 136 | And I think that's a | 我认为这是一个 |
| 137 | lot of what money can do. | 很多钱可以做的。 |
| 138 | It is a lifestyle improvement, but don't think it's going to | 这是一种生活方式的改善, 但不要认为它会 |
| 139 | make you waking up ear to ear grinning ear to ear. | 让你从耳边笑着醒来 |
| 140 | It's kind of like oxygen in a way, I guess, | 有点像氧气,我想, |
| 141 | when you have it, you never think about it, but the minute you're lacking it, it's all you can | 当你拥有它, 你从来没有想过它, 但一分钟你缺少它, 这是你所能 |
| 142 | think of, but we want to think of it. | 想想,但我们想想想 |
| 143 | Like it's a performance enhancing drug. | 像是表现增强药物 |
| 144 | We want to think of | 我们想想想 |
| 145 | it as like, we're going to take it and just be like, oh, I'm on fire. | 就像,我们要把它, 只是像,哦,我着火了。 |
| 146 | Now this is great. | 现在这是伟大的。 |
| 147 | And I think for short periods of time, it can do this. | 我认为,在短时期内,它可以做到这一点。 |
| 148 | Happiness is always a fleeting emotion. | 幸福总是一种短暂的情感。 |
| 149 | Like most people are rarely happy for more than a couple of minutes at a time. | 就像大多数人很少一次快乐超过几分钟. |
| 150 | And I think it's very similar to humor, where if I tell you a very funny joke, | 我觉得这和幽默非常相似 如果我告诉你一个很有趣的笑话 |
| 151 | you don't laugh for 10 years. | 10年来你都不笑 |
| 152 | You laugh for a couple of minutes. | 你笑了几分钟 |
| 153 | Humor is a fleeting emotion and happiness is the same. | 幽默是一种瞬息万变的情感,快乐也是一样. |
| 154 | Most people, you have moments of it | 多数人,你也有这个机会 |
| 155 | and you can situate your life. | 你可以坐稳你的人生 |
| 156 | So maybe you have more moments of it than others and more than you | 所以也许你比别人 拥有更多的时间 比你 |
| 157 | used to, but it's momentary. | 曾经是,但这是短暂的。 |
| 158 | And so I think what people actually want to get to, what they aspire | 所以我想人们真正想要得到的, 他们渴望得到的 |
| 159 | to, whether they know it or not is contentment, which is not happiness. | 无论他们是否知道,那是满足,不是幸福。 |
| 160 | It's a different emotion. | 这是不同的情感。 |
| 161 | You'd want to get to a point where you're just like, I'm good. | 你会想得到一个点 你只是喜欢,我很好。 |
| 162 | Like I'm very grateful for | 就像我很感谢 |
| 163 | everything that I have. | 我拥有的一切 |
| 164 | And I have everything that I need and most of what I want. | 我拥有我需要的一切 和我想要的大部分 |
| 165 | And I'm | и琌 |
| 166 | totally cool with that. | 这完全很酷。 |
| 167 | And if there's more to come above this, that's the cherry on top, | 如果上面还有更多的话 那就是上面的樱桃 |
| 168 | but I'm really cool here. | 但我在这里真的很酷。 |
| 169 | I'm great right here. | 我在这里很好 |
| 170 | And I think most people can realize that | 我想大多数人都能意识到 |
| 171 | with a lot of work and constant upkeep, you can get to that level at a lower income than you think. | 做很多工作,不断保养, 收入可以比想象的低。 |
| 172 | I remember talking to Daniel Common about this and he had a distinction between happiness | 我记得我跟丹尼尔·普林斯谈过 他对幸福有区别 |
| 173 | and satisfaction. | 和满足。 |
| 174 | And the distinction was happiness is an emotion. | 和区别是幸福是一种情感。 |
| 175 | Most people think | 大多数人认为 |
| 176 | they want to be happy, but it turns out that most people want to be satisfied. | 他们希望快乐, 但事实证明,大多数人 想要满足。 |
| 177 | And satisfaction was | 满意的是 |
| 178 | more based on the story that you can tell about your life. | 更多基于的故事 你可以告诉你的生活。 |
| 179 | So it actually had to do with how much | 所以这其实和多少有关 |
| 180 | money you had, how much status you had, how many promotions you had. | 你拥有多少地位 有多少晋升 |
| 181 | You were able to tell yourself | 你可以告诉自己 |
| 182 | the story that I did. | 我写的故事。 |
| 183 | I sacrificed all these things, maybe my relationship with my partner | 我牺牲了所有这些东西,也许我和我搭档的关系 |
| 184 | in order to achieve them. | 为了实现它们。 |
| 185 | Yeah. | 对 |
| 186 | And I think it's when you daydream about having more success or | 我认为这是当你的梦想 关于有更大的成功或 |
| 187 | more money or more stuff, when you do that daydream and it feels good, you're like, oh, | 更多的钱或更多的东西, 当你做那个白日梦 感觉很好,你喜欢,哦, |
| 188 | if only I had that house, if only I had that car, if only I had this income. | 如果只有我的房子, 如果我有那辆车, 如果我有这个收入。 |
| 189 | By and large, | 总的来说, |
| 190 | what you are doing is imagining yourself having those things and being totally content with them. | 你所做的是想象自己拥有这些东西 并且完全满足于它们 |
| 191 | And that's what feels good. | 这就是感觉好。 |
| 192 | That's why the daydream is fun to do. | 故白日梦为乐. |
| 193 | But by and large, | 但总的来说, |
| 194 | when you imagine that good feeling, it's not happiness. | 当你想象这种美好的感觉, 它不是幸福。 |
| 195 | You imagine yourself in the house | 你想象自己在房子里的样子 |
| 196 | being like, this is it. | 就是这样 |
| 197 | It's all I need. | 这就是我需要的。 |
| 198 | I don't need it. | 我不需要这个 |
| 199 | This is the peak of what I need. | 这是我最需要的 |
| 200 | More often what happens is if you are in that house, you're like, oh man, look at my neighbor. | 更常见的情况是,如果你在那个房子里, 你喜欢,哦,男人,看我的邻居。 |
| 201 | Their yard's a little nicer, isn't it? | 他们的院子比较好,不是吗? |
| 202 | Or like, oh, I got this kitchen, but I saw this picture on | 或者,哦,我得到了这个厨房, 但我看到这张照片上 |
| 203 | 腾讯网. Instagram. | |
| 204 | What if we remodeled it? | 如果我们重塑它呢? |
| 205 | What actually happens is you don't have a level of contentment. | 实际发生的情况是,你没有达到满足的程度. |
| 206 | I don't think contentment is a dirty word. | 我不认为满足是脏话. |
| 207 | It's not a bad thing, particularly overall | 不是坏事,特别是总的 |
| 208 | in the economy. | 在经济。 |
| 209 | I want to live in a world where most people, particularly smart people, | 我想生活在一个 大多数人,特别是聪明人, |
| 210 | wake up every day and they're like, this isn't enough. | 每天醒来,他们都想, 这还不够。 |
| 211 | We need more innovation. | 我们需要更多的创新。 |
| 212 | We've got to | 我们必须 |
| 213 | start more successful businesses. | 创办更成功的企业。 |
| 214 | That is the root of all progress, is that the majority of | 这是所有进展的根基,是大多数 |
| 215 | people wake up every morning and say, this is not enough. | 人们每天早上醒来说,这还不够。 |
| 216 | And the people who are monstrously | 和那些残暴的民众, |
| 217 | successful, Elon Musk and Jeff Bezos, they wake up still. | 成功,伊隆·穆斯克和杰夫·贝佐斯,他们仍然醒过来. |
| 218 | I guarantee you, Elon Musk wakes up every | 我向你保证 伊隆·穆斯克醒来时 |
| 219 | day worth $400 billion saying, this isn't enough. | 价值4000亿美元说, 这还不够。 |
| 220 | Not even necessarily financially, although there | 不一定是财政上的,虽然 |
| 221 | might be that element, but like the technology is not good enough. | 可能就是这个因素,但好像技术还不够好。 |
| 222 | The products aren't good enough. | 产品不够好。 |
| 223 | We need more, more, more. | 我们需要更多的,更多的,更多的。 |
| 224 | And so the lack of contentment is the seat of progress. | 因此,缺乏满足是进步的场所。 |
| 225 | So it's | 所以这是 |
| 226 | not a bad thing, but you can see in the individual life where if you feel like there's a hole in your | 也不是坏事,但你可以看到 在个人生活中 如果你感觉有洞 在你的 |
| 227 | soul and you just feel like you haven't done enough, you just want more, that the idea of like, | 灵魂,你只是觉得 你做得还不够, 你只是想要更多, |
| 228 | well, if I just keep shoveling money in that hole, then I'll get to a place where I'm good. | 好吧,如果我继续铲钱 在那个洞, 然后我会得到一个地方,我很好。 |
| 229 | It's actually very difficult to do that. | 这实际上很难做到这一点。 |
| 230 | That makes sense sort of evolutionarily | 有点进化 |
| 231 | because you think about it, evolution cares about survival of the species, not | 因为你想它,进化 关心物种的生存,而不是 |
| 232 | the happiness of the individual. | 个人的幸福 |
| 233 | Give a damn how happy you are. | 给一个该死的幸福。 |
| 234 | Yeah. | 对 |
| 235 | And the other thing about, | 还有一件事 |
| 236 | with evolutionarily, because you think about it, evolution cares about survival of the species, not | 进化,因为你考虑它, 进化关心物种的生存,而不是 |
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