you're not supposed to talk about in a polite conversation:

是通常不該出現在一個有禮貌的對話當中：

money.

金錢。

Now as the song goes, "you work hard for your money".

就跟有首歌歌詞一樣，"你為了錢努力工作"。

My talk is about trying to get your money to work hard for you.

我的演講是關於如何試著讓你的錢替你努力工作。

And I know that for many,

而我知道對大多數人而言，

the topic of money can be intimidating or boring.

關於錢的主題是令人感到害怕或者無趣的。

But here is what's not boring.

但這要談的並不是無趣的部份。

Buying your first house.

購入你的第一棟房子。

Sending you kids to college.

讓你的孩子上大學。

Starting a new business that you are passionate about.

為你的理想、熱情創業。

Or being able to retire comfortably.

或者能夠過著很舒適的退休生活。

So, like it or not, money funds your life, and fuels your dreams.

所以，不管你喜不喜歡，錢讓你的生活得以過下去，而且讓你的夢想得以實現。

It also creates choices,

但錢也同樣創造了選擇，

so that choice of whether to buy a house or which house to buy,

選擇關於是否買間房子或著買哪一間房子，

the choice about starting that new business or retiring early,

選擇關於是去新創一個企業或是早點退休，

it's all about taking the time to understand your financial situation

這全是關於花時間去了解你的財務狀況

and how to invest, so you create those choices for yourself.

和如何投資，好讓你可以替你自己創造出那些選擇。

So I want to talk about making sure that people do focus enough on that.

我要談論的是關於要確保你們有把注意力放在那上頭。

And some people say, you know,

有些人會說，你知道嗎，

"Geez, how did you get started in all of this?"

"天呀，你是怎麼開始這一切的？"

In my profession as John said,

就跟約翰說的一樣，在我的專業領域裡，

we have millions of investors as clients

我們以幾百萬個投資者為客戶

and I see a full range of clients so,

而那裡面形形色色的客戶我都看過，

so many do it exactly right and are well on their way and all set,

有些人投資得當且成功，得到他們想要的結果，

but there are so many heartbreaking examples of people who work really hard

但也有很多關於心碎的投資人，他們一樣也很認真的工作

but then don't spend the time to figure out once they make that money,

但是卻並沒有花時間去了解一旦他們賺到了一點錢，

how to invest it to make it last a lifetime.

之後，要如何用那些錢去做投資讓自己一輩子都能從投資中賺錢。

So my profession is also my passion.

所以我的職業有同時是我的熱情所在。

It's about a focus on creating better outcomes and brighter futures.

這是關於專注於創造一個更好的結果和光明的未來。

So how did it all begin for me?

所以這是怎麼開始在我身上萌芽的？

Take you back to a small town in central Connecticut where I grew up.

帶你回到一個在康乃迪克州中部的一個小鎮，是我出生的地方。

My dad was a salesman who loved his job

我爸是個業務銷售員，他熱愛他的工作

and was fiercely loyal to his wife and six kids.

而是非常地忠誠於他的老婆和六個孩子。

My mom was a nurse.

我媽媽是一個護士。

We didn't have a ton of money,

我們並不是那麼富裕

but we had a sort of a Brady Bunch existence,

但我們家的相處模式很像是電視節目"脫線家族"

we had a great time and we were very happy.

我們很開心也相處的很融洽

My mom and dad instilled important values in all of us,

我爸媽灌輸很重要觀念給我們全部

the importance of hard work, getting an education,

努力工作、受教育等的重要性，

giving back, landing a good job.

回饋社會，找份好工作。

We were thrifty, and we had a focus on making sure we were saving enough.

我們很節儉，而且我們很專注於確保我們儲蓄是夠多的。

So we focused on the fundamentals but in the retrospect,

所以我們專注在基礎生活條件上的滿足而沒有沉浸在過去當中，

there was one fundamental that we overlooked,

但我們卻忽略掉了一件基本的事，

and that's what to do with that money that we were saving,

那便是如何善加利用我們的存款

how to invest to last a lifetime.

如何為了一生做投資。

And sadly, sometimes a lifetime doesn't last a lifetime.

而遺憾地，有時候一生的時間的確不是很長。

My dad died unexpectedly at the young age of 57,

我爸爸在57歲這樣年輕的年紀就意外辭世了，

leaving my mom and six kids, three of which were in college.

離開了我媽和六個孩子，其中三個還在就讀大學。

We all of sudden had to figure things out in a different way.

我們突然要以截然不同的方式去面對生活。

My mom, as I said, was a nurse after she graduated from college,

我媽，就如我說，從大學畢業候就是個護士，

before my dad died, she had made a career transition

在我爸過世之前，她已經轉換了她的職業生涯

and worked as a manager at the local phone company.

到了當地電話公司任職管理職。

She's bright and hard-working,

他很聰明且努力工作，

but nonetheless, she was a busy lady and she didn't focus a lot on investing;

不過儘管如此，她依然是個忙碌的女士且她並沒有把很多注意力放在投資上;

she didn't focus on a financial plan,

她並沒有專注在任何的財務計畫，

she was not prepared for the unexpected,

她並沒有未雨稠繆地做準備，

and in my household was common during that time period

而我們家庭其實在那段時間內過的普普通通

and unfortunately is still all-too-common today:

而不幸的是現在仍然如此：

my mom and dad delegated the financial responsibilities,

我爸媽將財務責任分派出去，

the other responsibilities, the household,

其他的責任，家庭開支

my mom paid the bills, and my dad focused on investing.

我媽負責負帳單，而我爸專心在投資上。

And while it's completely understandable with a very busy life,

而當這是完全地可以想像那會是多麼忙碌的生活，

how they could arrive at that delegation of duties?

而他們如何能夠將責任分擔出去呢？

The problem is you can't delegate your future.

問題其實就是你不能將你的未來委派給別人負責。

I am going to talk a little bit more

我要談的更深入點

about why couples need to jointly understand

關於為什麼夫婦們需要一起了解到

and take some time together to understand their financial situation.

且花一些時間去了解他們自己的財務狀況。

My situation is personal to me obviously, but again unfortunately,

我的財務狀況對我而言很明顯是私人事務，但再說一次很不幸地，

there are so many other people that find themselves confronting

有很多的人們發現他們自己面對

the unexpected and not being prepared for it.

未來的不確定性而且並沒有為那些做準備。

Think about your own situation. You may be doing fine today.

想想你自己的狀況。你可能今天還過得去。

But what about if the unexpected happen to you?

但如果這些突發事件真的發生在你身上了呢？

Are you prepared?

你準備好了嗎？

How many of you know a mom that has survived her husband

你們之中多少人知道一個母親，撐過她老公的意外早逝

finds herself suddenly single and not knowing what to do?

發現自己突然要孤軍奮戰且不知道該怎麼做？

How many of you have an elderly parent or grandparent,

你們之中多少人有個年長的父、母親或祖父、母，

usually the mom, who has survived and also doesn't know what to do,

通常是媽媽，活得比較久但卻也不知道接下來該怎麼做，

who typically the mom relies on her eldest daughter

也許藉由她最年長的女兒幫助

to help her through that period?

她自己撐過那段時間？

How many of you are that eldest daughter, who's trying to figure out

而你們之中多少人是那個最年長的女兒，嘗試去找出

how to make ends meet and plan for her future, while taking care for Mom

如何使經濟上收支平衡且計畫你的未來，當你還同時需要照顧你的母親

and also making sure her kids are on the right path?

且同時確保她自己的孩子能夠生活不受影響走在正軌上？

How many of you are those young adults just starting your careers

你們之中有多少人是那些青年人正要開始你自己的事業生涯

with lots of balls in the air, with lot of debt,

同時有很多事情再進行，且身上負債累累，

not knowing exactly what to do?

對前途茫然的呢？

You know I make it a priority to speak about this,

我把談論這一點當做我的首要任務

and recently I was in D.C at an event with AARP,

而最近我在華盛頓特區參加一個與美國退休協會有關的活動，

so, women in their 50s and 60s, those eldest daughters, so to speak,

對象是一群50多歲到60多歲的婦女，那些在家裡是長女的一群，

we talked a lot about the importance of getting educated,

我們談論很多關於受教育的重要性，

and taking control of your finances so you have control of your life.

對你的財務有主控權你才能掌握你的人生。

And it was interesting, we had a great discussion

而那真是有趣，我們討論的很熱絡

but the most persistent theme of that conversation

但持續最久的對話主題

was we can't let our daughters do what we did;

就是我們不能讓我們的女兒們重蹈我們的覆轍;

we need to break the cycle for our daughters, our granddaughters,

我們需要為我們的女兒還有孫女們，打破這個循環，

they're making so much progress in so many aspects of their lives.

她們在她們生活中很多層面的改善上都已經有長足的進步。

We can't let them be intimidated or lack confidence about financial matters

我們不能讓她們在財務事務上缺乏信心或者是處在擔驚受怕的狀態之下

because it's so important to their future.

因為這對她們的未來而言是如此的重要。

Why do I focus specifically on women here?

為什麼我聚焦在女人身上？

Because women of all ages are not making as much progress as they need to,

因為各個年齡層的女人並沒有在她們所在的那個年紀需要做到的方面有太多進展，

and there's so much at stake.

而這是如此的重要。

So the stakes have never been higher.

而從未如此重要過。

First of all, in terms of women, again, in particular,

首先，說到女人，再次強調，特別指女人，

and this is the gender neutral topic, "Money," but women are behind.

在談到這個中性的議題，"金錢"時，女人是落伍的。

Longevity, on average, women will outlive men by at least five years;

女人平均而言是較長壽的，會比同齡男人至少多活五年;

they are expected to live to at least a hundred.

預期都能活到至少一百歲。

Secondly, divorce.

再來，離婚的發生。

Unfortunately, the divorce rate in this country is over 50%

遺憾地說，這個國家的離婚率超過50%

So between longevity and divorce,

所以不論是比較長壽或者離婚，

most women will be single at some point in their lives.

大多數女人會在她們人生某個時間點恢復單身生活。

What's the most common causes of divorce?

而最常見導致離婚的因素是？

A lack of communication and finances; notice a trend here.

缺乏溝通和財務問題;

Now on the flip side,

而另一方面，

women are making progress in many aspects of their lives.

女人在她們人生中許多層面都有所進步了。

In fact in 2014, women will earn worldwide 18 trillion dollar,

事實上在2014年裡，世界上由女人賺得的錢將會超過18兆美金，

and will have the power of consumer spending

而會具有額外28兆美金

for another 28 trillion dollars.

的消費支出能力。

By 2020, there will be 25-trillion-dollar shift in the US alone

至2020年時，會有25兆美元流入

of wealth to women,

美國女性的口袋中，

either because they've inherited it or they've earned it at the workplace.

不是因為她們繼承了遺產就是她們在工作中賺到的。

So women are making advances.

所以女人是有在進步的。

However, there is a disconnect

然而，在經濟自主權和財務信心間

between economic ownership and financial confidence.

有個斷點。

Fidelity recently did a survey of couples to see how couples are doing,

富達投資集團最近做了一個調查關於夫婦們對其它夫婦們的評鑑，

and we've done it every other year for the last several years,

而過去幾年中我們每隔兩年就會做一次調查，

and the results were very concerning.

發現結果相當令人擔憂。

So you can see, women first of all, defer to their spouse if they're married

你可以看到，首先，女人結婚之後和她們的配偶有個非常不同之處

- it was a couple survey so their spouse or partner -

- 這是一項夫妻供同調查項目所以她們的配偶或夥伴 -

women overwhelmingly defer to their spouse on financial matters.

女人在財務事務上和她們的配偶有著極端的不同。

The primary reason?

主要的原因是？

Because they think men are, "better with numbers."

因為她們覺得男人都是，"對數字比較在行。"

Despite the fact that there is overwhelming evidence

儘管有非常多的證據顯示

that women are the better long-term investors.

女人是比較好的長期投資者。

They also...

她們同時也是...

We look specifically at Gen Y women,

我們特別關注於Y世代的女性，

Gen Y women are the worst in all age categories

Y世代的女性是在所有年齡群組當中最糟糕的

only 12% of Gen Y women in a relationship

只有12％的Y世代女性在一段關係當中

manages the day-to-day finances of that couple.

是日常財務的管理者。

And only 9% of Gen Y women have confidence in their ability

而只有9%的Y世代女性對她們自己的理財

to manage money.

能力有信心。

Our moms, those moms at AARP event were right,

我們的母親們，就是在美國退休協會裡的媽媽們是對的，

we do need to break this cycle.

我們需要打破這個循環。

So how do we do that?

而我們該怎麼做呢？

I want to just very quickly go over some tips that we would suggest

我想要很快的瀏覽關於如何打破那個循環且讓人們去處理她們自己的財務狀況下

for how to break that cycle and get people more engaged in their finances.

我們會建議你們做的幾個小撇步。

And I want to let you know a little secret

而我想要讓你們知道一個小秘密

that the financial service industry does not like to promote.

就是財務服務產業並不會一直成長複雜化。

Investing is not that hard. Anyone can do it.

做投資並沒有那麼難。每個人都能做。

If you just take a little time.

如果你可以放點時間進去。

You need to take time, get engaged, get basic education,

你需要花一點時間，認真去做，並有那方面的基礎教育，

and embrace that process.

而且擁抱那過程。

So I want to talk a little bit about what you can do at different life stages.

現在我想要談談在你不同人生階段你可以怎麼做。

So if you're in your 20s, just starting out in your career,

你若在你的20幾歲，剛開始你的職業生涯，

I don't think many 20 or 30 year olds are thinking about the retirement

我不覺得有很多20幾歲或30幾歲的你們有在考慮退休的事情

they're going to have 50 years from now, they've got debts,

那是還有50幾年候的事情，更何況他們現在身上揹有負債，

they're probably spending more than they're saving,

所以很有可能他們會入不敷出，

but there are some basics.

但還是有些基本的動作可以做。

First of all, have a budget. Start to manage down your debt.

首先，制定預算。開始管理你自己的負債。

If you're in a company that offers a 401 K or 403 B,

如果你在一個有提供401K或403B的退休計畫的公司裡工作，

the best advice you can get is just participate in that program.

那我能給的最好建議就是參加那些退休計畫吧。

Many companies offer a match. It's free money.

很多公司會提供一定比例的退休金提撥䥗。這是免費的。

And the other thing for those young investors is,

而另一個給年輕投資者的建議是，

make sure you take advantage of free:

確定你自己有在利用"免費的"這件事情：

free online resources to help you get started and get educated,

免費的網路資源可以幫你開始這些且讓你受到相關基本知識的教育，

don't pay fees, high fees to an adviser for that.

別付費用取得那些，尤其是高額的諮詢費用。

You can do it yourself at this point in your life.

這些是在你人生中這個時間點你能為你自己所做的。

If you're in your 30s and 40s, this is when life starts to kick in,

如果你在你的30幾歲和40幾歲，這是人生很多重要事件開始發生的階段，

get married, you have a family,

你會結婚，你會組家庭，

you need to think about college educations,

你需要去思考高等教育，

you start your job, it starts to take off.

你會開始工作，事情開始起步。

So when you're in your 30s and 40s

所以當你在你的30、40多歲時，

you have got to save more for all those commitments

你必須要儲存更多金錢以便兌現那些承諾

for college education, the other things you want to do.

像是為了高等教育，或其他你想要做的事情。

You need to, as a couple, start to have the conversations

有了另一半之後你需要做的，開始要有些關於你在未來

about what you want to achieve over the course of your future.

想要達成某些目標的對話出現了。

You need to start thinking about what the right diversification is.

你需要開始構想關於哪些事情是對你人生發展對的多樣性組合了。

If you're in your 40s and 50s life gets more complicated, right?

若你在人生40、50多歲階段，就更複雜一些了，對吧？

The kids may be starting to go to college,

你的孩子們可能開始要上大學，

you're at the top of your career, you have more assets and more places

你也許正在你事業的顛峰，你會有更多一些資產和地位身份

and so you need to start thinking about the diversification of those assets

而因故你需要開始思考關於那些資產多樣化的處理

and start to actually have a more formal financial plan.

和真正開始有一個更正式的財務計畫。

If you're in your 50s and 60s you need to think about

過你在你的50、60幾歲，而你需要去思考的是

actually sitting down with an adviser at this point.

真正的好好坐下來跟一位顧問討論了。

because an adviser of some sort may be helpful to you.

因為這時候顧問在某種程度上是對你有幫助的。

You need to start thinking about how you are going to live post-retirement.

你必須開始思考關於退休之後的時光該要怎麼生活。

You need to start thinking about insurance and all those things.

你需要開始去思考關於保險和那些全盤的規劃。

And also if you're in your 50s and 60s

而同時你若在你50、60多歲的時候

I want to come back to that AARP event, the women in that event.

我想要參加美國退休協會活動，成為那活動其中之一的女性參與者。

If you're in your 50s and 60s also be a role model and a mentor.

你若在人生中的50、60多歲正好也是一個人生典範和心靈導師的話，

Make it OK to talk about money.

讓談論金錢這個議題變得無傷大雅且自然而然。

Make it OK for your kids or your grandkids to learn from you

讓你的孩子或孫子覺得從你身上學習關於金錢的知識是自在、自然地

whether you did it right or you didn't do it right.

不論你自身在那時的財務狀況是很好或者是不好。

Help them to get on a good path.

都能夠在幫助他們走在適當的道路上。

I wanted to share with you three signs in my office,

有三個我在辦公室裡歸納的人生哲理要跟你們分享，

that really illustrate my philosophy in life

這些也是我人生哲學中的座右銘

and it is completely applicable to today's conversation.

而且這完全地可用於今天的談話中。

The first is, "Attitude is everything."

第一個是，"態度決定一切。"

Make sure you have an attitude that's positive,

確定你保持一個正向的態度，

and that you embrace challenges and turn them into opportunities.

且你擁抱挑戰並將它們化為機會。

Second, have a sign, it's on my desk, says that "Thou shalt not Whine."

第二，擁有自己的座右銘，就在我的桌子上，寫著 "你不該抱怨。"

And so when people come to my office, they usually say "I'm not whining, but..."

而所以當人們進入我的辦公室，他們通常會說 "不是我在抱怨，但是..."

It has to be about solutions, not about problems.

那談話必須要跟解決方案有關，而不是關於問題如何如何。

The third sign in my office is a bumper sticker somebody gave me

第三個在我辦公室裡的座右銘是寫在一張某人送我的保險桿貼紙上

that I put on the back of that "Thou shalt not whine" sign,

而我在那個剛提到的座右銘 "你不該抱怨" 背後寫上，

and this is for the ladies in the round:

這是給在做各位女士的：

"Well-behaved women rarely make history."

"凡是順從的女人鮮少創造歷史。"

I want to show you a short video of a woman like that.

我想要給你看敘述那樣的一個女人的一部短片。

(Video) [Saving stories]

（影片）[儲蓄的故事]

My name is Marianne-Louise-Teresa Stanger-Barnet.

我的名字是瑪麗安－路易絲－特瑞莎 史坦格－巴耐特。

I was born July 17, 1921. The 9th of 11 children.

我出生於1921年七月17號。11個孩子中的第9個。

Every Sunday, my mother would clean out every drawer to find five cents.

每個週日，我媽會為了找到五分錢而清理家中每一個抽屜。

I've never held a nickel other than that.

我從來沒有找到超過五分錢的金額。

I joined the service on January 13th, 1943.

我在1943年1月13日從軍報國。

Couple of months later, I married the man of my dreams, Fred Barnet,

幾個月後，我跟我夢中情人佛列得．巴奈特在舊金山的