2014.05.24【英译中】7 Reasons to Become Financially Fearless

ydyinglluk (Erin) 译坛新秀
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发表于:2014-05-24 14:45 [只看楼主] [划词开启]

7 Reasons to Become Financially Fearless

“不再怕谈钱”的七个理由

Women are lauded for our communication skills—so why aren’t we communicating about money?

女人们常常以能言善辩著称——那么为什么我们不谈谈聊聊钱呢? 

Money is a major cause of stress for people nationwide— and to make matters worse, it’s still seen as a major taboo to discuss. Women may be lauded for our communication skills, but why aren’t we communicating about money?

金钱常常是全国人民压力山大的主要原因——更糟的是,这还是一个人们避而不谈的禁忌话题。既然女性们常常以能言善辩著称,那么为什么我们不能谈钱呢?

To combat what I saw as a major gap in the industry, I started LearnVest.com in 2009. If you cringe at even the idea of a financial plan, I’d remind you of this: not having a plan is a plan—but probably a really bad one.

我在2009年创办了LearnVest.com网站,旨在扫除我现的人们事业上的盲区——理财知识的欠缺。如果你一想到理财计划就畏缩不前,那我可以这样告诉你:没有理财计划也是计划的一种,但这可能是最坏的计划了。

So why do I think it’s critical to become Financially Fearless?

所以到底为什么“不再怕谈钱”那么重要呢?

1.     We make numerous financial decisions every day.

1.我们每天要做很多有关于钱的决定

Looking at your bills is not something to deal with annually come tax time. If you think about it, we make 6-10 financial decisions every single day. From how you get to work, to what you eat for dinner, to whether you meet up with friends, these micro-decisions may have a financial impact, and these small decisions can add up.

看账单不是等到每年交税的时候才要干的事儿,如果你仔细想想,每天我们都要做6到10个有关金钱的决定。从怎么去上班,到晚饭吃什么,还有要见什么朋友,这些细小的决定都会对你的经济状况产生影响,而这些看似细小的决定所带来的影响可能积少成多。

2.     We don’t learn about money in school.

2学校不会教你理财

Most schools across the country, from the middle school to the graduate school level, don’t teach personal finance. As a result, it’s no wonder that almost half of Americans (42%) grade their personal finance knowledge as a “C, D or F”. Instead of learning the basics in school, most people learn about money from their parents, or perhaps more commonly, by trial and error. I believe it is this lack of education that trickles down to a general feeling of anxiety and stress when it comes to financial decision-making.

国内的许多学校,从中学到大学,大部分都不会教你如何理财。拜此所赐也难怪大约有一半的美国人(42%)认为自己的个人理财知识只能划到“C,D或F级”。与在学校里学到的基本知识不同,人们的理财知识更多来自于他们的父母,或者说更为常见的可能是,源自于自己曾经犯下的错误和经验教训。我认为正是这种理财知识的缺乏,最终汇聚成一种普遍的情绪,一种在要做出有关钱的决定时的那种焦虑和压抑感。

3. Many of us are living paycheck to paycheck.

3.大多数人都靠预支薪水过活

A survey showed that 76% of the country lives paycheck to paycheck. This means that the majority of people are stressed out about how they’re going to pay next month’s bills.

有调查显示全美有76%的人靠着预支薪水过活。这意味着我们大多数人都会对“下个月怎么付账单”的问题焦虑不安。

4. Most women control the household finances.

4.大多数女人都是家里管钱的一把手

While many people think of the world of finance as a male domain, it turns out that 95% of women control the financial decisions made in their household. This means that women are shaping their family’s financial lives—but, without access to advice, they might not be making the right decisions. It’s clear to me that everyone could benefit from education on this topic, but women in particular are in an even more critical position to get a handle of their finances.  Also, we live six years longer than men on average, and thus have an even more urgent need to learn about money.

尽管许多人都把金融界视作男人统治的世界,但是结果显示95%的女人是家里管钱的一把手。这意味着女人决定了一家人的钱要怎么花,但是,她们却很少有机会得到建议,因此也可能做出一些错误的决定。我很清楚了解相关理财知识对任何人都是有益的,但是这对于女性来说,她们在打理自己的财产时处于一个更加关键的地位。而且,由于我们女性平均要比男人多活6岁,学习如何理财已经成为一项越来越迫切的需要。

5. Money is a major factor in our careers.

5.金钱是我们的事业中最重要的因素之一

Women aren’t asking for raises at nearly the same rate as men, and when women step out of the workforce to care for kids or aging parents, they see a nearly 15% drop in earnings after just one year. And while it’s true that today, women are bringing in more money than ever before, we still could benefit from guidance on how to manage these new funds. 

女性要求加薪的几率比男性要小,然而当女人为了照顾年幼的孩子或上了年纪的父母而暂时退出职场的时候,仅仅一年之后她们的工资就会下降近15%,尽管在今天,女性能挣到的钱比起以前要多得多,合理管理这部分增加的财产无疑会使我们从中受益。

6. Our retirements are at risk.

6.退休也是有风险的

A huge problem facing women is preparedness for retirement. Think of it this way: You work for approximately forty years (ages 25-65) to fund 70+ years of your life (ages 25-95). It’s therefore important to sock away as much as possible during your working years. Plus, because we tend to live longer than men, it means we need to have more money on hand during retirement to fund these extra years. Women also tend to have higher health costs during retirement. 

如何为退休做准备是女性面临的一个重大问题,这样想:你大概能工作四十年(从25岁到65岁)来供养自己70年的人生(25岁到95岁)。因此在工作年限内尽可能存钱显得非常重要。另外,由于我们的平均年龄比男人要长,我们也就需要多攥点钱在手里应付退休以后比男人们多活的那几年。此外,女性在退休后在医疗上的花费也比男人更高。

7. We need to make smart decisions.

7.我们得做出一些明智的决定

Generally speaking, the less you have, the more each dollar matters to you. I believe that financial planning is a key strategy in helping your money grow. A complete financial plan covers everything from budgeting to emergency funds to retirement to insurance to investing. It’s about having a safety net in place, so that money can become less of a source of stress. 

一般来说,你手里的钱越少,手里的每一分钱对你就越重要。我相信理财计划是帮助你增加资产的重要策略。一个完美的理财计划将覆盖用于紧急情况的资金、退休、保险以及投资等各个方面的支出。这就相当于适当地准备了一张安全网,而钱的问题也不至于那么让人焦虑了。

So, now what?

那么,我们应该怎么做?

Money is our lifeline. If you’re sick, you want the best care money can buy. If you’re in love, you’ll want to travel the world to see that person. Money is a critical tool, and everyone deserves the peace of mind that comes with having a solid financial plan. This isn’t about “getting rich.” It’s about enriching our lives and providing the security, stability, and freedom to help you do the things that you love. There’s no better time than now to get started.

金钱就是我们的生命线,如果你生病了,你会想要金钱所能够买到的最好的医疗护理;如果你恋爱了,无论距离有多遥远,你都会想要出现在那个人的面前。钱是一件重要的工具,对于我们每个人而言,有着坚实的理财计划会让我们过得更加心安。理财并不是为了“变得富有”,而是为了让我们的生活更为充实,让我们的人生更加有保障,更稳定,并让我们有余地为自己所爱的人做一些事情。开始理财的最好时机,莫过于从现在开始。

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字数统计:1408

最后编辑于:2014-10-29 21:05
分类: 英语
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