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

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

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

So it's very exciting for me.

所以我非常開心

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

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

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

Know about the 99% vs the 1%.

大家都知道「99% vs 1%」的狀況

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」

I'm very concerned.

我對此感到十分憂慮

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

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

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

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

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

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

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…

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

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

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...

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

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

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...

"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？」

"Everything you say is buy and sell serving!"

「你們永遠只知道買進和賣出！」

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

What am I going to do?

我該怎麼辦？

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

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

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

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

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

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

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%

If we take a look on the income side.

若將視線轉到薪資收入上

What you would see is a fairly familiar story.

你會看到一個非常熟悉的畫面

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

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

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

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

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

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

So what's going on here?

究竟發生了什麼事？

Interesting enough.

值得玩味的是...

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

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

But that's not really the point.

但這不是重點所在

After all consumption is about what we buy.

畢竟消費指的是我們所購買的產品

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

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

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

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

For the men who chuckle in audience.

而在場竊笑的男性觀眾朋友必須知道...

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

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

But it doesn't about how much we spend.

但重點並不在於我們花多少錢

At the end of the day it's about happiness.

到頭來，幸福快樂才是最重要的

It's about what we buy and we consume.

這是關於我們買東西跟消費的行為

And oddly enough. The research shows that above certain level.

奇怪的是，研究顯示...

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

That's interesting.

這倒是很有意思

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

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

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

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

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

Then what is it?

所以這究竟怎麼回事？

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...

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

It's about unfairness.

一切都是「不公平」的想法在作祟

It's not about what the income buys us.

並不在於那些我們用薪水買的東西

It's actually about the income tells us.

在於薪水所代表的一切

About us and another men.

在於你我之間的比較

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

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」

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

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

No wonder you're angry.

怪不得大家會如此忿忿不平

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

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

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

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？

Or say something more fundamental.

更深入基準面來說

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

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

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

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

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

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

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

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

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

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

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

Rockefeller literally had more money than god himself.

洛克斐勒的家產富可敵國

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？」

To which he responded "Just a little bit more."

他回道：「再多賺一點」

You can choose to be that.

你可以選擇那樣的生活方式

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

You will not satisfy your hunger.

你永遠都無法獲得滿足

But there's a different way.

另一種方式是...

You can choose to believe that you have enough.

你可以選擇相信自己已衣食無虞

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

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

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

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%

I'm Jason Hsu and I'm 100%.

我是許仲翔，我屬於100%