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Every choice that you make comes with a trade-off.
你所做的每一个选择都是有取舍的。
Money is an invitation to critical thinking.
金钱能让你拥有批判性思维。
You can afford anything, but not everything.
你可以购买任何东西，但不是所有东西。
So if there's something that you value, whether it's travel, food, or a house, you can have that thing.
所以，如果有什么东西是你看重的，无论是旅行、食物还是房子，你都可以拥有它。
You just can't have an endless series of ands.
但你并不能买尽这世间的一切。
You might not be able to have that thing and something else and something else and something else.
你不能买这个，买那个，然后再买那个。
And that doesn't just apply to your money.
这一点不光适用于金钱。
That applies to your time, your focus, your energy, your attention - any limited resource.
它还适用于你的时间、中心点、精力、注意力--它适用于任何有限的资源。
And life is the ultimate limited resource.
而生命是终极有限的资源。
So when you practice being better at managing your money, you practice being better at managing your life.
所以，当你练习更好地管理你的金钱时，其实是在练习更好地管理你的生活。
My name is Paula Pant. I am the host of the "Afford Anything Podcast."
我叫保拉·潘特。是"Afford Anything"播客的主持人。
I want to help you reach financial independence by making smarter decisions with your money.
我想让你用钱做出更明智的决定，从而帮助你实现经济独立。
The mistake that I see a lot of people make when they start asking questions about how to manage their money is that oftentimes people will ask a question about a product or a tactic.
我看到许多人在询问如何理财时，经常会犯一个错误，他们经常会问一个关于产品或策略的问题。
So for example, they might say, "Should I use this app, or should I invest in cryptocurrency?"
例如，他们可能会说，“我应该使用这款应用程序，还是应该投资加密货币？”
First-principles thinking is stripping away everything and really getting to the root of something.
第一原则思考就是剥离一切，真正从根本上解决问题。
So if you think about a tree, the tactics and the products are like the leaves of a tree.
比如一棵树，产品或策略就像它的叶子。
That's the most visible surface so, of course, it's what people might ask about first.
那是最表面的东西，所以人们也会第一时间询问关于这些东西的问题。
But first, let's start with the roots of that tree.
但首先，我们要从那棵树的根开始。
The roots of that tree are your values.
那棵树的根就是你的价值观。
It's that question of what matters most.
也就是什么才是最重要的问题。
And then from those roots stem that trunk of the tree, which is your philosophy of life, the type of life that you want to lead.
然后从这些根上长出树干，也就是你的生活哲学，你想要过的生活类型。
And from that philosophy, then your objective or your goals: How does that philosophy of living translate into specific goals?
从这种哲学出发，衍生出来的是你的目标或目的：这种生活哲学如何转化为具体的目标？
That's really that tree trunk.
那就是树干了。
From there, you go out into the branches of the tree, and they represent the strategy.
从树干上，衍生出树枝，它们代表的就是策略。
Now that you know your philosophy of living, you know your goals, now you can come up with strategies for how to obtain those goals.
现在你知道了你的生活哲学，知道了你的目标，就可以想出如何实现这些目标的策略了。
And then once you have that strategy in place, then those leaves are the tactics and the products.
一旦你有了策略，那么剩下的就是战术和产品。
So if you're starting with the question about tactic or product, you've got a leaf in your hand, but you don't have that root system built yet.
因此，如果你从策略或产品的问题开始，你手中就有了一片叶子，但你还没有建立起那个根基。
When personal finance is framed in the context of delayed gratification so that you can have more money when you're 75 years old, it's really hard to get excited about that.
如果个人理财被放在延迟满足的背景下，以便让你在75岁的时候有更多的钱，你很难会对此感到兴奋。
But when we reframe that as financial independence and how taking better care of your money leads to this flourishing of freedom, of opportunity, of choice, that becomes much more enticing.
但当我们将其重新定义为经济独立，以及更好地爱护金钱能够给你带来自由、机会和选择的话，它就变得更加诱人了。
FI is the point at which your potential passive income - money that comes to you when you're sleeping, typically through investments - is enough to cover your basic bills.
FI是指你潜在的被动收入足以支付你的基本账单，被动收入是指你睡觉的时候都能挣到的钱，通常通过投资实现。
And the reason that matters is because then endless options open up for you.
它之所以重要，是因为那时你会有无尽的选择。
You have the freedom to do whatever you want - whether that's to stay in your current profession, make a midlife career change, become a full-time parent, or travel the world.
你可以做任何你想做的事情，无论是继续现有的职业，还是在中年改变职业生涯，成为全职父母，还是周游世界。
Whatever choice you want to make, you're able to make that without having to sweat about how you're gonna keep the lights on, how you're gonna keep the fridge stocked.
无论你想做什么选择都可以，而不必担心如何让电费有余额，让冰箱里充满食物。
The pursuit of FI is for everyone, but the first steps that you are going to take will differ depending on where you are in your journey.
每个人都有对FI的追求，但你要采取的第一步会根据你所处的人生阶段而有所不同。
There are really only three steps to achieving financial independence: Grow the gap, invest the gap, repeat.
实现财务独立实际上只需三个步骤：扩大差距，投资差距，重复。
Grow the gap means to grow the gap between what you earn and what you spend.
扩大差距意味着扩大你的收入和支出之间的差距。
And there are only two ways to increase that gap: earn more or spend less or both.
要拉大这一差距，只有两种方法：要么多赚，要么少花钱，或者两者兼而有之。
If you don't make very much, like me when I was in my first job out of college making $21,000 a year, at that stage of life, your goal is to increase your income.
如果你挣的不是很多，就像我大学毕业后的第一份工作，一年挣2.1万美元，在这样的人生阶段，你的目标就是增加收入。
If you're already making big dollars but you have a spending problem, the low-hanging fruit is to curb that spending problem and to address the root psychological issues that are leading to that spending problem.
如果你已经挣得很多，但花钱却毫无节制，那么遏制开支就比较容易见到成效，并且要解决大手花钱的心理根源问题。
Step two is to then invest that gap.
第二步是投资这一差距。
My personal feeling is that everyone should aim to save and invest at least 20% of their income.
我个人的感觉是，每个人都应该把至少储蓄和投资收入的20%作为他们的目标。
And when I say save and invest, that includes making additional payments towards the debt above and beyond the minimum required, retirement savings, investments in an investment account.
我说的储蓄和投资，包括支付超过最低要求的额外款项、退休储蓄以及投资账户中的投资。
It includes building up your emergency fund.
它包括建立你的应急基金。
Start with the goal of saving 20%, and if you're nowhere close to that, increase your savings rate by 1% and do that every month or two.
从节省20%的目标开始，如果你离这个目标还差得远，就把储蓄率提高1%，然后每一两个月提高一次。
It will take a few years, but you will over time get to that 20% mark.
这会花上几年的时间，但随着时间的推移，你会达到20%的门槛。
And then step three is repeat. This is a lifetime practice.
然后第三步是重复。这是一个持续终生的练习。
This is not a quick hit or something that's going to happen overnight.
这不是一蹴而就的事情，也不是一夜之间就能发生的事情。
Money management happens for life.
理财是终生的。
There has never been a point in history when the world has not been volatile.
历史上从来没有过世界毫无动荡的时刻。
A hundred years ago, there was also a pandemic going on, and there was a first World War.
一百年前，也发生了一场大疫情，发生了第一次世界大战。
A decade later, the Great Depression. After that was World War II.
十年后，大萧条。之后是第二次世界大战。
After that, event after event after event that affected the entire globe.
之后，一件又一件影响全球的事件接踵而至。
I came to FI because I was scared and anxious about the volatility in my life and the world.
我来到FI是因为我对我的生活和世界的不稳定性感到害怕和焦虑。
My response to that was to become obsessed with saving as much as I could because it allowed me to not be so scared of the future.
为此，我想尽可能多地存钱，因为这可以让我不再那么害怕未来。
It felt psychologically comforting to have these savings.
拥有这些储蓄在心理上是一种安慰。
Change is the nature of the world, the nature of time.
变化是世界的本质，是时间的本质。
And so, if you're looking out at the big global factors that are happening in the world today and you're feeling fear, embrace it and use that fear as motivation, as fuel to make wise decisions about how you spend your money, your time, your effort.
所以，看看当今世界正在发生的重大全球因素，你会感到恐惧，请拥抱它，并把这种恐惧化作动力，作为燃料来促使你做出明智的决定，决定如何利用你的金钱、时间和努力。
That's how you build a life that's more intentional.
这样你便能建立起一种更有目的的生活。
And there's a lot of joy in that.
这个过程充满了欢乐。
