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Thank you. Thank you Jason for inviting this Jason.
謝謝主辦人Jason邀請了也是Jason的我參加今天的活動
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And of course the clicker would be good to have.
當然若有投影片搖控器的話就更棒了
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But thank you. Thank you for also inviting me into your life experience.
不過謝謝大家,謝謝你們邀請我一同參予你們的人生旅程
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It's been a long time since I spent Zhongqiu Jie with friends in Taiwan.
我已經很久沒有在台灣和朋友一起過中秋節了
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So it's very exciting for me.
所以我非常開心
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And I apologize for speaking in English, even though Chinese is my mother tongue.
很抱歉我得用英文演講,雖然說中文是我的母語
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But I'm more comfortable speaking in English , since I've been living in the state for the last 28 years.
但我用英文講的話會比較自在,因為我已經在美國待了28年了
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So many of you with no doubt have heard that the occupy Wall Street movemen.
我想在場很多人都聽過「占領華爾街」這個活動
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Know about the 99% vs the 1%.
大家都知道「99% vs 1%」的狀況
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At the very ugly core of it. The conversation has become "You vs Me"
最糟的是,整起事件已演變為「你我之間的戰爭」
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I'm very concerned.
我對此感到十分憂慮
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Partly that conversation has risked of developing into a French Revolution like outcome.
一方面是擔心這會演變成像法國大革命一樣的情況
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Where the poor really doesn't have nothing to eat but the rich.
貧困的人到最後窮到只能反噬富人
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I'm also concerned for very self-serving reason. I'm part of that 1%.
而我擔憂的理由也非常自私,因為我就是那1%的一份子
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I'm a business owner. I worked in the finance industry.
我是一個企業家,我從事金融工作
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I actually teach finance to MBA students in the state who want to go work on Wall Street.
我在美國還是位企管碩士老師,我教學生怎麼擠進華爾街
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It pains me to know that what I do, what I make, what I've saved.
我一切的所作所為及財富都困擾著我
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Things that I thought would be very attractive to girls and their parents.
那些我原本認為對異性和長輩們來說,非常加分的條件…
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These are now things that pit me against 99% of my fellow men.
如今卻成了使我和其他99%大眾對立的標籤
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When I thought about this. I thought maybe I can help reduce the tension.
而當我在思考這個情況時,我想或許我有辦法緩和這場紛爭的情緒
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Putting on my economist head, perhaps by helping people to understand...
或許可以用經濟學家的身分,讓大家了解到...
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that it's quite natural, even desirable in a market-based economy to have income and wealth inequality.
薪資和貧富差距在市場導向的經濟上是很正常,甚至是理想的狀態
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If I could help people understand that. Maybe I could bridge the gap between the 99% and that 1%.
若我能讓大家都了解到這一點,或許我就能讓這99%和1%重修舊好
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Putting together in a presentation, my friends came to me and he told me...
而在一次演說中,我的朋友對我說...
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"How dare you! Someone who represents the finance fat cat think that you have any right to justify or rationalize income inequality!"
「你還真有臉,身為金融業肥貓,你憑什麼為薪資不均的現象背書?」
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"Everything you say is buy and sell serving!"
「你們永遠只知道買進和賣出!」
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And I panic. What I thought could have been my 15 minutes of TED fame could easily turn into a live time of internet infamy.
我完全不知所措,一場我原以為能像TED一樣風光的15分鐘演講,竟能輕而易舉地讓我遺臭萬年
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What am I going to do?
我該怎麼辦?
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So it's my plan. I come to you today not posing as an economist with deep understanding that economic inequality.
所以我想了一個方法,今天我和大家面對面,卸下經濟學家的專業知識和頭銜
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Not offering a solution. In fact I have no interest in even judging inequality to be bad.
我並不打算提出解決方案,事實上,我也完全沒興趣評論所謂的貧富不均
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Instead I invite you to conversation with me to explore this topic with different perspective.
我是想邀大家和我一起討論,以一個另類的角度來看待這件事
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So, let's take a look at the very basic statistic about inequality.
我們先來看一下「不均」情況下的基本數據
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It's absolutely true that top 20% owns about 93% of all financial wealth.
無庸置疑地,前20%的富人掌握了93%的金融資產
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When you look at the statistic. You can't help yourself sympathize with the sum of poor have nothing to eat but the rich.
當看這個數據時,我們會情不自禁地同情那些窮人的處境
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But then, when you look on the consumption side. The bottom 80%, despite having only 7% of the assets, actually consume about 70% of total output.
但當你看到消費數據時,底層的80%的人,雖只握有7%的資產財富,卻占了整體消費的70%
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If we take a look on the income side.
若將視線轉到薪資收入上
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What you would see is a fairly familiar story.
你會看到一個非常熟悉的畫面
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The top 20% of the higher earner makes about 15 times more than the bottom 20%.
金字塔頂端20%的高薪階級賺的錢是底層20%的15倍左右
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But yet their consumption is roughly about twice as high.
但兩者間的消費力差距卻僅約1倍
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So the enormous gap on income side doesn't quite fully translate in the consumption differences.
所以薪資差距的情況並非完全和消費差距畫上等號
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Of course, all of us know that income inequality has grown quite a bite over time.
當然我們都知道薪資不均的狀況日益嚴重
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Roughly by about 10% per annum over last many decades.
差距在過去十年內以每年10%的速度持續擴大
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Again, puzzling enough, consumption differentials have not moved up by the same token.
再度讓人感到不解的是,消費指數的差異並未隨之改變
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So what's going on here?
究竟發生了什麼事?
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Interesting enough.
值得玩味的是...
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Apparently the wealthy are so in love with money that they spend most of their time making more money instead of consuming.
顯然有錢人對錢愛不釋手,比起消費,他們花大多數的時間賺更多錢
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So they're not actually crowding out goods and services from the rest of us.
因此他們其實並沒有排擠到其他人的資源
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But that's not really the point.
但這不是重點所在
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After all consumption is about what we buy.
畢竟消費指的是我們所購買的產品
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An ultra high net worth might spend a quarter of million dollars to buy a Bentley.
一個家財萬貫的富豪可以花千萬台幣買一台賓利車
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The average household buys a Camry at 1/10 of the price.
多數家庭的Camry僅是其價格的十分之一
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I was told by the Birkin bag costs about a thousand times more than the average fashion bag.
我之前聽到柏金包的價格是普通名牌包的一千倍
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I'm not a girl, but I don't think that makes you look a thousand times sexier.
我不是女生,但我不認為一個包包可以讓性感指數提高一千倍
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For the men who chuckle in audience.
而在場竊笑的男性觀眾朋友必須知道...
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We men are the worst. This is the latest Breuget. It's about 10,000 times more expensive than a normal Timex.
我們男人才是萬惡淵首,這是最新的寶璣(Breuget)名錶,價格約比天美時(Timex)的手錶貴上一萬倍
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And I can assure you that it doesn't make you 10,000 times a man.
我確信戴上那只錶也不會讓你帥上一萬倍
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But it doesn't about how much we spend.
但重點並不在於我們花多少錢
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At the end of the day it's about happiness.
到頭來,幸福快樂才是最重要的
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It's about what we buy and we consume.
這是關於我們買東西跟消費的行為
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And oddly enough. The research shows that above certain level.
奇怪的是,研究顯示...
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There's almost no difference in the happiness between he who has lots of money and he who's not.
有錢人和窮人的快樂度其實並無顯著差異
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That's interesting.
這倒是很有意思
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If it's not about happiness. If it's not about the consequence of income and wealth inequality .
若和快樂、薪水或財富不均無關
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Then I'm very confused as an economist.
身為一個經濟學家的我確實對此感到疑惑
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I find it authentic when people say they do believe the wealthy are more happier and more purposeful.
我認同有錢人們過著更快樂、更有目標生活的論點
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And I don't think that it's the case that somehow the 1% has so exploited the system and taken everything.
但我不認同金字塔頂端1%的這些人就得和貪婪無厭、壓榨剝削畫上等號
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So the mass is nothing but to eat the rich.
導致其他99%的人窮到一無所有,只能反噬富人
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Then what is it?
所以這究竟怎麼回事?
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As I take my head off as an economist and began to explore and feel this conversation as a human being.
當我褪去了經濟學家光環、純粹以身為人類的角度來探討、發掘問題後...
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I started to understand what is in our collective soul.
我才了解到深藏在人類心中的想法
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It's about unfairness.
一切都是「不公平」的想法在作祟
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It's not about what the income buys us.
並不在於那些我們用薪水買的東西
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It's actually about the income tells us.
在於薪水所代表的一切
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About us and another men.
在於你我之間的比較
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We no longer expect the capital market to assign prices to coordinate economy activities.
我們不再依賴資本市場制定價格進行經濟活動
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We actually have outsource to the market economy to set prices to the worth of human beings.
我們已經能訂定「一個人的價值」
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The price of a Birkin bag is no longer about supply and demand.
柏金包的價值已完全和市場供需理論脫節
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The price of a Birkin bag now tells you the worth of your life and the quality of your experience.
柏金包變成了象徵一個人人生及經歷價值的證明
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No wonder you're angry.
怪不得大家會如此忿忿不平
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You're angry when you see the wage of school teachers significantly lower than the wage of bankers.
我們因學校老師的薪水遠不如銀行家而憤怒
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You're angry when you see a doctor being pay less than a plastic surgeon.
我們生氣,是因為一個醫生賺的比整型科還少
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When you look deep inside, when you say that the wage of school teachers is too low, is unjust.
當我們捫心自問,我們為老師薪水過低而打抱不平
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Do you really object to the supply and demand of school teachers?
我們是以經濟市場、教師供需原則的角度來討論嗎?
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Or say something more fundamental.
更深入基準面來說
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Is it that you finally realize hypocrisy.
我們是否終於意識到了人性虛偽的那一面
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Despite all that you say, deep down in your heart, you judge another man by the 0 in his bank account.
儘管我們嘴上囔囔,在我們心中,我們終究還是以存款數目來評斷一個人的價值
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And despite everything you try, deep down inside you cling to the belief that more money is a better experience.
不管我們怎麼努力,我們還始終還是認為愈有錢人生就愈美好
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So you're sitting in those seats and you think naively that if I could only join a protest and give a school teacher a higher salary then I can give him a better life.
大家安然地坐在位置上,天真地認為若加入抗爭行列,替老師爭取加薪的權力,就能賦予他更美好的人生
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The high income earners are going to try their very best to convince you that they're smarter, they're better, they're mightier because they have a bigger picture.
但高薪族會費盡心思,想辦法告訴你,他們之所以有著聰穎非凡的頭銜,是因為他們有著與眾不同的願景
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But yet, it's us who dignify that shallow expression of a human experience by raging against their paychecks, products and Mercedes.
到頭來我們才是用薪水、商品、賓士車之類膚淺價值觀來評斷人類價值的元凶
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When you have chosen to engage in a battle field defined by dollars, you've already lost.
當你選擇加入這場用鈔票來定義價值的戰爭,你早就已經輸了
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The market system actually needs you to believe that.
市場導向的體制也確實希望人們抱持著這樣的價值觀
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It needs you to believe that you lack, you're insufficient.
它需要大家永遠都不會知道什麼叫滿足
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So that you'll punch in 10 hours a day and wake up to do it all over again tomorrow.
這樣你才會一天花10個小時努力工作,日復一日地持續下去
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I can share with you, the example of John D. Rockefeller.
我要和你們分享富豪約翰洛克斐勒的例子
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Rockefeller literally had more money than god himself.
洛克斐勒的家產富可敵國
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But when he was asked "Mr. Rockefeller, what do you need to be happy?"
當有人問他:「洛克斐勒先生,請問要怎樣才能讓您感到快樂?」
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To which he responded "Just a little bit more."
他回道:「再多賺一點」
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You can choose to be that.
你可以選擇那樣的生活方式
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If so whether you are the rich or if you eat the rich.
但若是如此,不管你是有錢人還是反噬富人的窮人
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You will not satisfy your hunger.
你永遠都無法獲得滿足
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But there's a different way.
另一種方式是...
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You can choose to believe that you have enough.
你可以選擇相信自己已衣食無虞
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You have everything need to experience this human life, to be this wonderful amazing creature of possibilities.
身為不可思議的人類、有著無限可能的你,已具備了體驗這趟人生旅程的基本條件
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Not defined by what you made, by what you spent, by what you have, but defined by who you are and what you are becoming each every day.
不從你的成就、花費或你所擁有的一切來定義,而是由你的人生哲學及每一天的蛻變來決定你的價值
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And when you choose that, it becomes possible for the each of us to relate each other.
當你選擇了這種方式,人與人之間的關係便不再是對立
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Not from the 99% vs 1% but I say a whole complete 100%.
世界將不再是99% vs 1%,而是無私、完整的100%
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I'm Jason Hsu and I'm 100%.
我是許仲翔,我屬於100%