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Beingyoungisgreat.Mostofthepartsofyourbodystillworkgreat,youhaveafullheadofhair,you‘reenergetic,andyouhaveaworldofopportunityinfrontofyou.However,there’sgoingtocomeatimewhenyoustarttogetolder.Andasyougetolder,you‘llhavenewresponsibilities,completeindependence,andperhapsmostimportantly,lesstimetorecoverfrommistakes.
年轻真好。身体大部分零件运转灵活,头发浓密,精力旺盛,机会唾手可得。然而,总有一天,老之将至。随着年龄的增长,肩上的担子重了,生活完全靠自己打拼,可能最重要的是,有更少的时间去弥补错误。
Yousee,weallmakemistakesinlife.Maybeyouspentmoremoneythanyoushouldhaveonacar,youpasseduponagreatjobopportunity,oryoudidn‘ttryashardasyoucouldhaveinschool.It’sapartoflifeandwelearnfromit.Buttherearecertainmistakesthataremuchbettermadewhileyou‘restillyoungandhaveplentyoftimetorecover.
你看,在生活中,我们都犯错误。或许,你在汽车上花的钱超出了预算;或许,你错过了大好的工作机会;或许,上学时你不勤奋好学。这是生活的一部分,我们从中获得经验。但是,某些错误最好犯在年轻时,你将有足够的时间去弥补。
I‘mdefinitelynottellingyouthatyoushouldpurposelygooutandmakethesemistakes(becausethey’reapaintorecoverfrom)。Buttheseareallmistakesthataremuchbettermadewhenyou‘reyoungersothatyoucanlearnfromthemandnothavethemruinyourentirelife.
我当然不是说,你应该有目的出去犯这些错误(因为从错误中恢复很痛苦)。但是,这些错误,都是越年轻时犯就越有利,以便你能从中吸取教训,而避免让它们毁掉你的整个生活。
1.StartingTheWrongCareer
Wouldn‘tyouhatetobe45yearsoldanddiscoverthatyouabsolutelyhatewhatyoudoforaliving?It’sarealitythatalotofpeoplefaceanditcanbedifficulttofix.Yousee,whenyou‘re23andfindoutyoudon’tlikethecareerpathyou‘vechosen,youcaneasilyexplorenewcareeroptions.
45岁的时候,你发现,你讨厌维系你生活的谋生手段,此时你不会感到遗憾吗?这是摆在很多人面前的现实,而且很难补救。要知道,23岁时,你发现不喜欢自己选择的职业道路,开拓新天地易于反掌。
Wenolongerliveinanagewhenpeopleareexpectedtostaywithonecompanyuntiltheyretire.Youcanbouncearoundalittlebitandfindoutwhatyouwanttodo.Whenyougetolder,justswitchingcareerswheneveryouwantisn‘tassimple.
在一家公司一直工作到退休的时代已经成为过去。你可以跳跳槽,看看哪行适合你。年轻不再时,随心所欲地换工作可不是易事。
Youhavetoconsideryourfamily,retirement,thedifficultiesyoumightrunintowithstartingfromthebottominanewindustry,andplentyofotherissuesthatsomeoneintheirearly20‘sjustdoesn’thavetodealwith.
你必须要考虑家庭、退休以及在新行业中从头来可能遇到的困难,还有很多20多岁的年轻人无需应对的其他事情。
2.Datingthewrongperson
ThedivorcerateintheU.Sisextremelyhigh.Otherpartsoftheworldaren‘tdoingtoomuchbettereither.Whileeveryonegetsdivorcedfortheirownreasons,Ithinkwecanallagreethatit’sbettertofindoutthatthepersonyou‘rewithiswrongforyousoonerratherthanlater.
美国的离婚率极高,世界上其它地区也好不到哪里。每个人离婚都有各自的理由,我觉得大家都会同意这种观点,发现你的配偶不适合你宜早不宜迟。
Hopefullyyoufindoutwhetherornotthepersonyou‘rewithisrightforyoubeforeyoutietheknot,becausearound50%offirstmarriagesendindivorce.
但愿在结为连理之前,确定那个人是否合适,因为第一次婚姻中的50%以离婚告终。
3.Messingupyourcredit
Ruiningyourcreditisneveragoodidea.Evenifyouruinitwhileyou‘reyoung,itcouldaffectyouinthefuture.Theupsideofhavingbadcreditwhileyou’reyounginsteadofolderisthatyouhavetimetobuilditbackup.
毁掉信誉从来不是好想法。即使你年轻,毁掉信誉也可能会对你的将来产生影响。年轻时比年老时失去信誉的好处在于,你有时间再次赢得信誉。
Itcantake7-10yearstorebuildyourcreditifyouhaveahistoryoflatepayments,loandefaults,foreclosures,orbankruptcy.Duringthose7-10years,you‘llhaveahardtimefinancinganythingunlessyouhaveacosignerorputdownasubstantialdownpayment.
如果你有拖欠付款、贷款违约、取消抵押品收回权或破产历史,重建信誉可能需要7-10年的时间。在这7-10年里,你很难筹措资金,除非有共同签署人或预付一大笔定金。
Mostpeopletendtomakemostofthebiggerpurchasesinlifewhentheygetoldersuchasahouseortheirdreamcar.Ifyouhavebadcredit,youcankissallofthatgoodbye.
生活中,大多数人年龄越大越倾向于购买大件商品,例如房子、香车。如果你信誉扫地,那就只有缘而没有份了。
4.Makingbadinvestments
Ifyou‘reinvestingmoneyforyourretirement,makingbaddecisionscanmeanyou’llbeworkingyourentirelife.Whetheryouchoosetopaysomeonetodotheinvestingforyouorhandleitallyourself,it‘salotbettertotakeriskswhenyou’reyounger.
如果你为养老做投资,不明智的投资可能意味着你将辛劳一生。不论花钱雇人还是自己做投资理财,承担风险,越年轻承受力越强。
Ifyouinvestinstockorevenrealestatewhileyou‘reyoungandthemarkettakesahit,you’renotruined.Investingisalong-termventure,sotheyoungeryoustart,themorefluctuationyoucanwithstandandstillcomeoutwithapositivereturn.
如果年轻时投资股票或房地产,市场震荡,你不会一蹶不振。投资是长期冒险,投资越早,就越经得起涨落,而最终获得正收益。
5.Blowingyourmoney
Whatwouldyoudoifyouwentbrokeat60yearsold?Youwouldbeworkingyourbehindoffwhenyoureallyshouldberelaxingandgettingreadytoretiresoon.
60岁的你成了穷光蛋怎么办?你该真正放松,准备享受退休生活的时候,却不得不甩开膀子接着干。
Butifyou‘re25andbroke,youstillhaveplentyoftimetoearnmoremoney.Also,nobodywilljudgeyoubecauseit’snotunusualforpeopleintheir20‘stonothavemoneythesedays.Youmighthaveblownyourmoneyonanicecarorhaveanobsessionwithallthenewestgadgets.
但是,如果25岁的你破产了,你还有足够的时间赚更多钱。还有,没有人因此对你说三道四,因为,现在20多岁的年轻人没有钱很正常。你可能买了辆好车,挥霍了一笔,或者曾痴迷于新潮小设备。
Whenyougetolder,you‘llbeabletolookbackandrealizehowdumbyouwereforspending$20,000onabrandnewcarwhenyouwereonly20yearsold.Butwhenyou’reolderandwasteyourmoney,you‘llREALLYhavenothingtoshowforit.
当你变老时,回顾过去,你开始懂得,花2万美元买辆新车,那时只有20岁的你多么让人无语。但是,当你已不再年轻,而且还乱花钱,你就真得什么也没有了。