评论
打印
A lot of times, when we save money we mostly focus on what we are missing out on right now.
很多时候，当我们存钱时，我们主要关注的是我们现在错过的东西。
We're thinking of it as denying ourselves.
我们认为这是对自己的否定。
Saving money often feels like we're just throwing our money away.
存钱常常让人觉得我们是在扔掉自己的钱。
Why save for the future, when there's so much we want to do right now?
既然我们现在有那么多想做的事情，为什么还要为未来而存钱？
And so for a lot of us thinking about retirement is stressful.
因此，对我们很多人来说，思考退休问题是有压力的。
And to avoid that stress, we just don't think about it and that prevents us from doing the things that are in our long-term best interest.
为了避免这种压力，我们就不去想它，这使我们无法做符合我们长期最佳利益的事情。
What is more important?
什么是更重要的？
Your happiness right at this instant?
你在这一刻的幸福？
Or your happiness an hour from now or a day from now or ten years from now?
还是你一小时后、一天后或十年后的幸福？
And one of the difficulties and challenges with that is that there isn't a correct answer.
这方面的困难和挑战之一是，没有一个正确的答案。
If there isn't a correct answer how do we figure out the choice that's right for us?
如果没有一个正确的答案，我们如何找出适合我们的选择？
Is there anything in our brains that can give us a clue?
我们的大脑中是否有任何东西可以给我们提供线索？
This is Alex Korb, author of The Upward Spiral and he's going to tell you everything that he's learned about the brain.
这位是亚历克斯-科布，是《向上的螺旋》的作者，他将告诉你他所了解的关于大脑的一切。
Yeah, so I’ll just explain to you very briefly everything that I’ve learned in the last 20 years of studying the brain.
是的，我将非常简要地向你解释我在过去20年研究大脑的过程中所了解的一切。
Uh, so there are millions of, you know different little regions of the brain and science has sort of simplified that down to you know, dozens that we can sort of wrap our heads around but the ones that I think are the most interesting and the most important have to do with the thinking and the habit and reward circuits and how those interact.
所以有数以百万计的，不同的大脑小区域，科学已经将其简化为你知道的几十个，我们可以把我们的脑袋包起来，但我认为最有趣和最重要的是与思维、习惯和奖励电路以及这些如何互动有关。
You can sort of think of these different brain regions as like different types of friends.
你可以把这些不同的大脑区域想象成不同类型的朋友。
Your prefrontal cortex, the thinking part of the brain, is saying “Hey, let’s do it this way because that’s gonna get us to where we’re trying to go.”
你的前额叶皮层，大脑的思维部分，正在说 "嘿，让我们这样做，因为这会让我们到达我们想要去的地方"。
And then the habit circuit in the brain says “Well, no, let’s do it this way because this is the way we’ve always done it and that’s more comfortable.”
大脑中的习惯回路说："不，让我们这样做，因为这是我们一直以来的方式，这样做更好。"
And the reward center of the brain says “Oh, look there’s a cookie!’ The human brain just has certain tendencies.
而大脑中的奖励中心则说："哦，看那有一块饼干！人类的大脑就是有某些倾向性。
Like, we’re always gonna pay more attention to things that are immediate, right now.
比如，我们总是会更多地关注那些直接的、现在的事情。
This is how the brain’s evolved over millions of years.
这就是大脑在数百万年来的进化过程。
We have a bias for the short term.
我们有一个短期的偏见。
10 bucks today is more tangible than 100 bucks a year from now.
今天的10块钱比一年后的100块钱更有意义。
In order to, sort of, be happy over time you have to find the right balance of like how much money should I spend now to enjoy living my life versus how much should I save to plan ahead so that I can enjoy it later?
为了在一段时间内获得快乐，你必须找到正确的平衡点，比如我现在应该花多少钱来享受生活，我应该提前存多少钱以便我以后可以享受生活？
And there are ways to, sort of, influence the system one way or the other.
有一些方法可以在某种程度上影响这个系统。
There’s a really cool study where when they had people sign up for their retirement benefits they included like a digitally aged picture of yourself so that when you looked at it it was a little bit more concrete of the idea of like, “Oh, I am going to become that person like that is me that I am saving for.”
有一个非常酷的研究，当让人们注册他们的退休福利时，包括一个数字年龄的照片，当你看着它时，它是一个有点更具体的想法，比如，"哦，我将成为那个人，就像我正在为之储蓄。”
Most of us have this abstract idea of retirement so it doesn’t like feel real or tangible.
我们大多数人对退休有这种抽象的想法，所以它不像感觉真实或有形。
You can make these future visions of retirement feel more concrete by imagining them in more detail.
你可以通过更详细的想象，使这些未来的退休愿景感觉更具体。
Imagine you’re not just putting money into an account, you’re putting money toward that brownstone or that vacation on the lake.
想象一下，你不仅仅是把钱存入一个账户，你还把钱投入到那个棕色的房子或湖边的度假中。
The more you can imagine it the more motivated you’ll be to realize it.
你越能想象，你就越有动力去实现它。
One of the keys to being sustainably happy is really just understanding yourself better so that you can make choices that are best for you and your circumstances and understanding your brain can be a big part of that.
持续快乐的关键之一其实是更好地了解自己，这样你就可以做出最适合你和你的情况的选择，而了解你的大脑可以成为其中的一个重要部分。
If we understand how our brains influence us to make certain decisions we can work to overcome these biases.
如果我们了解我们的大脑如何影响我们做出某些决定，我们就可以努力克服这些偏见。
When it comes to retirement the good news is we can start small.
谈到退休问题，好消息是我们可以从小事做起。
Saving $1 a day is infinitely better than saving $0 per day.
每天存1美元，比每天存0美元要好得多。
And so just take one little step in the next direction and then, you know, a year from now “Ah ok, I could up that to $200 a month and then ok” and revisit it.
因此，只要朝着下一个方向迈出一小步，然后，你知道，一年后，"可以把它提高到每月200美元"，再重新审视它。
You don’t need to solve all of your problems at once.
你不需要一下子解决所有的问题。
Making a tiny decision and then realizing it wasn’t quite right and then making another tiny decision to go in a different direction and then making another tiny decision.
做出一个微小的决定，然后意识到它不是很正确，然后做出另一个微小的决定，向不同的方向发展，然后做出另一个微小的决定。
That’s, that’s what living your life is as opposed to thinking about all these possibilities that I have no control over and sitting there doing nothing.
这就是过你的生活，而不是想着所有这些我无法控制的可能性，而选择坐在那里什么都不做。
It will feel uncomfortable, but you’re doing it because that’s the only way to get where you’re trying to go.
这会让你感到不舒服，但你需要这样做，因为这是到达你想去的地方的唯一途径。
