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I was leading a session on a relationship with money.
我主持了一个关于金钱关系的会议。
I just was curious about where people were with this at this point.
我只是好奇人们在与金钱的关系上做了什么。
This was in 2016. We had 50 people in the room.
那是在2016年。当时房间里有50个人。
We circled up and we went around the room, just say something about your relationship with money.
我们在屋子里围了一圈，谈论自己和金钱的关系。
And I realized every person in that room was in fear about money.
我意识到那个房间里的每个人都害怕钱。
From the 80 year old who I know has millions of dollars to the 20 year old who's like already $20,000 in debt.
从我认识的拥有数百万美元的80岁老人到已经负债2万美元的20岁的年轻人。
And it just, honestly it infuriated me like what kind of society requires that everybody participate in something that terrifies them.
老实说，这让我很生气，什么样的社会会要求每个人都参与到让他们害怕的事情中呢。
This feels so amiss to me.
我觉得这太不恰当了。
People are not fully rational and they make many choices that if they reflected upon them they would do differently.
人们并非完全理性的，他们做出许多选择，如果他们反思一下，就会做出不同的选择。
There's no question about that. The major tendency is people tend to frame things very narrowly.
这是毫无疑问的。主要的趋势是人们倾向于狭隘地看待事物。
They take a narrow view of decision making.
他们对决策的看法很狭隘。
They look at the problem at hand and they deal with it as if it were the only problem.
他们只看得到眼前的问题，解决它，好像它就是唯一的问题。
Very frequently it's a better idea to look at problems as they will recur throughout your life and then you look at the policy that you're to adopt for a class of problems.
更好的做法是要观察问题，因为它们会在你的生活中反复出现，然后再观察你所采用的策略来解决一类问题。
Difficult to do would be a better thing.
难做是一件好事。
People frame things narrowly in the sense, for example, that they will save and borrow at the same time instead of somehow treating their whole portfolio of assets as one thing.
人们狭义地定义事物，例如，他们会同时储蓄和借贷，而不是以某种方式将他们的整个资产组合视为一种东西。
If people were able to take a broader view they would in general make better decisions.
如果人们能够以更宽广的视野看待问题，一般来说他们会做出更好的决定。
So that is certainly one of the weaknesses of human decision making.
这自然是人类做决定的弱点之一。
We call it narrow framing.
我们称之为狭窄框架。
First of all, I'd like to distinguish between independence and freedom.
首先，我想区分独立和自由。
So, financial freedom is like freeing your mind.
财务自由就像解放你的思想。
Financial freedom is understanding that I'm me and there's an economy out there and I have a relationship with it but it doesn't run my life.
财务自由是理解我就是我，有经济存在，我和它有关系，但它不会主宰我的生活。
It's freeing my mind from the messages of the consumer culture, the messages of the economy.
它让我从消费文化和经济信息中解放出来。
The messages that a house is a starter house.
从房子是个起点的信息中解放出来。
No, that's my house. I could die in my house.
不，那是我的房子。我可以死在家里。
It's like there's so many presumptions that drive us into waste slavery, debt, and it doesn't matter whether you are at the low end or the high end.
有太多的假设驱使我们陷入浪费奴役和债务，不管你是在低端还是高端。
If you are engaged in that sort of anxious process of more, more, more, you are not free.
如果你处于这种越来越多的焦虑过程中，你就不会有自由。
So the first layer of financial independence I talk about is this freedom of the mind. This freeing your mind.
所以我所说的财务独立的第一个层面就是思想的自由。解放自己的思想。
Of saying like I am sovereign. The economy is secondary.
要知道我是至高无上的。经济是次要的。
I will move my sovereign self into the economy for my own purposes rather than I am a schlump, the economy is my mega-boss and I don't know,
为了我自己的目的，我会把我的主权自我转移到经济中去，而不是我像个笨蛋一样，让经济成为我的大老板，我不知道，
my boss seems to be as big as the sky and so I will just let my life be run by my boss and the tax system and I'm just going to let myself be run by this thing.
我的老板就像天一样大，我把自己的生活交给老板和税收系统来管理，我任由它们支配。
No. So you are sovereign beings so that's your first layer of financial independence is your own sovereignty.
不是这样的。你是有主权的主体，这是财务自由的第一层，就是你的主权。
And then the second layer is to get out of debt.
第二层是摆脱债务。
And for some people debt feels endless.
有些人总是有着无穷无尽的债务。
And the first step to getting out of debt is stop going into debt.
摆脱债务的第一步就是不要再借债。
There's many people who have written to us who flatten their debt in a couple of years.
有很多人写信给我们，他们在几年之内就把债务解决了。
Impossible debt. Debt that was going to be endless. They would die with this debt.
难以置信的债务。永无止尽的债务。他们甚至到死都还不清的。
And once they see what the debt is doing to them in terms of the actual opportunities, the future opportunities of their lives,
一旦他们看到债务对他们的影响，对实际机会，未来生活中的机会，
that's the sort of link that we try to get people to make so that something in the future is more important than the immediate pleasure of buying one more tchotchke that you're never going to use.
我们想让人们建立这种联系，让他们知道未来生活中的某些东西比立即买一个永远都用不到的小东西所带来的快乐要多得多。
