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You need to be numerate for certain kinds of decisions so numerate people have a significant advantage over those who are not.
在某些决定上，你得会计算，会计算的人比不会的人有很大的优势。
Understanding compound interest makes a huge difference whether you're a credit card borrower or somebody with savings.
不管你是用信用卡的人，还是有存款的人，理解复利有很大的作用。
People have a very hazy idea of compound interest and it's very detrimental so I would say that first of all you need to be numerate but many people are.
人们对复利的概念非常模糊，这可不好，所以我想说首先你得会计算，不过大多数人都会。
Then you need to frame things broadly.
然后你的眼界要广。
I mean it frequently goes with numeracy but it's not quite the same thing.
它通常跟计算能力联系在一起，但其实并不是一回事。
By taking the broad view it is very important not to have overly strong emotional reactions to events.
从大局出发，不要对发生的事情产生过强的情绪反应，这很重要。
And what I mean by that is that most of us tend to respond to gains and to losses, to changes that happen in our life.
我的意思是，我们多数人都会对生活中的得失、改变做出反应。
Actually you're better off if you frame things broadly and you think of you win a few, you lose a few, and you have very limited emotional response to small gains and to small losses.
如果你从大局出发，觉得自己输赢都很少，而且对微小的得失无动于衷，这样会好很多。
There's so many ways in which we project onto money the ability to not only make us happy
在很多方面，我们都认为钱不仅能给我们带来快乐，
but to make us better or better than other people or safe or so many deep, gut level emotional feelings are playing themselves out in our relationship with money.
还能让我们变得更好，或者比别人更好，或者很安全，在我们与钱的关系上，有很多深层次的情绪掺杂在一起。
We want more money and we want more happiness so maybe if we get more money we'll get more happiness.
我们想要更多钱，想要更多快乐，也许等我们有钱了，就会变得更快乐。
And it turns out that the relationship is really a lot more complicated than that.
事实证明这两者之间的关系要复杂得多。
It's not too surprising to say that money can't buy you happiness.
钱买不到快乐，这种说法我们耳熟能详。
We've heard that phrase a lot, but that doesn't help us understand then what kind of spending will actually make us happy and what kind won't.
我们经常听到这种说法，但它并不能帮助我们理解什么样的开销能让我们变快乐，什么样的不能。
So we've got a certain limited time on the planet.
人类的寿命非常有限。
We're going to spend a third of it sleeping.
我们有三分之一的时间需要用来睡觉。
We're going to spend another third of it commuting and showering and sitting at a desk and doing somebody else's bidding.
还有三分之一的时间用来通勤、洗澡、坐在桌前、服从别人的命令。
That's not a lot of life. So you think I've got a third, I have a third of my waking hours are mine to do whatever I want.
生命是非常有限的。你可能觉得我还有三分之一，我还有三分之一的清醒时间属于自己，想干嘛就干嘛。
Who am I? It's like it then sends it into an existential question.
我是谁？这好像变成了一个存在主义的问题。
Who am I? What do I care about? What do I want the impact of my actions to be?
我是谁？我在乎什么？我想让自己的行为产生什么影响？
What do I want to learn? What do I want to understand?
我想学什么？我想弄明白什么？
What do I want to feel, taste, touch? What do I want in what Mary Oliver calls my one wild and precious life.
我想感受、品尝、触摸什么？在玛丽·奥利弗所说的我狂野而珍贵的生命中，我想要什么?
