Today alone I've already stopped at Starbucks twice.

光是今天我就已經在星巴克停留了兩次。

I purchase coffee about seven or eight times a week.

我每週大約購買七八次咖啡。

Three times a week.

一週三次。

Every weekday usually.

通常每個工作日。

If you're like the average American,

如果你和普通美國人一樣。

every week you spend about $20 on coffee.

每個星期你都要花大約20美元買咖啡。

If we really like coffee, what's the big deal?

如果我們真的喜歡咖啡，有什麼大不了的？

What's $20 a week on something that you enjoy?

什麼'每週20美元的東西，你喜歡？

Well, first off, it's $1,100 a year.

好吧，首先，它'一年1100美元。

If you're 30 years old,

如果你是30歲。

and you put all your coffee money into savings,

你把所有的咖啡錢都存起來了

then by the time you're ready to retire,

那麼到了你'準備退休的時候。

you'll have deposited almost $40,000.

你'將存入近4萬美元。

At 8 percent interest, your money will have grown

在8%的利息下，你的錢將會增長到

to almost $200,000 by then.

到時達到近20萬元。

What would your 65-year-old self do with that money?

65歲的自己會用這些錢做什麼？

To really be motivated to save money for the future,

要真正有動力為未來存錢。

we have to care about the future.

我們必須關心未來。

We have to worry about the 65-year-old person

我們要為65歲的人擔心

that we're going to turn into eventually,

那我們'最終會變成。

whether that person will have enough money.

該人是否會有足夠的錢。

But that's not enough.

但這還不夠。

We also have to think about it when we're making a purchase.

我們在購買的時候也要考慮一下。

So we have to think about how every dollar we spend now

所以，我們要想一想，我們現在花的每一塊錢都是如何

could turn into $5 that that future self won't have.

可以變成5元錢，未來的自己不會有。

I guess I spend around $12,000 over 10 years on coffee.

我想我10年花在咖啡上的錢大概是12000元。

Actually, maybe I shouldn't go so many times. (laughs)

其實，也許我不應該去那麼多次。(笑)

It makes me even think that

這讓我甚至覺得

even paying a dollar less per cup of coffee or so

一塊錢一杯酒

could save a lot in the long run.

從長遠來看，可以節省很多。

If you're a first-year student in college, for example,

比如說，如果你'是大學一年級的學生。

you’re really focused on what you're doing right now.

你真的專注於你現在正在做的事情。

Your 65-year-old self when you're going to retire

你65歲的自己，當你'要退休了。

might be the last thing on your mind.

可能是你最後的想法。

Right now there's not really anything I need to buy.

現在沒有什麼我需要買的東西。

It's pretty easy to get textbooks and stuff.

它'很容易得到教科書什麼的。

Some people think it through and decide that

有些人想了想，決定

the coffee is actually really important to them,

其實咖啡對他們來說真的很重要。

and they'd rather save the money elsewhere.

而他們'寧願把錢省到別的地方去。

There's a quality of life issue in the present, right?

現在的生活品質有問題吧？

It's worth $12,000 for 10 years to not be sleepy. (laughs)

它'值12000元，10年不困。(笑)

And that's only coffee.

而這只是咖啡。

Every week we spend money on lots of things

我們每週都會花錢買很多東西

that seem too little to pay attention to,

顯得太少，不注意的。

but that rack up week after week.

但這架勢週而復始。

The next time you pull out your credit card

下次你掏出信用卡時

to make another little purchase,

來進行另一個小的購買。

think about what you want for your future self

想一想你對未來的自己有什麼要求

before you swipe the card.

在你刷卡之前。