How to Squeeze All the Juice Out of Retirement | Riley Moynes | TED

79,566 views

2022-11-04 ・ TED


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How to Squeeze All the Juice Out of Retirement | Riley Moynes | TED

79,566 views ・ 2022-11-04

TED


μ•„λž˜ μ˜λ¬Έμžλ§‰μ„ λ”λΈ”ν΄λ¦­ν•˜μ‹œλ©΄ μ˜μƒμ΄ μž¬μƒλ©λ‹ˆλ‹€.

λ²ˆμ—­: Seonim Lee κ²€ν† : DK Kim
00:04
Everyone says you have to get ready to retire financially.
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은퇴λ₯Ό ν•˜λ €λ©΄ μžκΈˆμ„ μ€€λΉ„ν•΄μ•Ό ν•œλ‹€κ³  λͺ¨λ‘λ“€ λ§ν•©λ‹ˆλ‹€.
00:08
And of course you do.
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λ¬Όλ‘  κ·Έλž˜μ•Ό ν•©λ‹ˆλ‹€.
00:10
But what they don't tell you
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ν•˜μ§€λ§Œ 그듀이 말해주지 μ•Šμ€ 것은
00:11
is that you also have to get ready psychologically.
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μ‹¬λ¦¬μ μœΌλ‘œλ„ μ€€λΉ„ν•΄μ•Ό ν•œλ‹€λŠ” κ²ƒμž…λ‹ˆλ‹€.
00:16
Who knew?
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λˆ„κ°€ μ•Œμ•˜λ‚˜μš”?
00:18
But it's important for a couple of reasons.
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그건 λͺ‡ 가지 이유둜 맀우 μ€‘μš”ν•©λ‹ˆλ‹€.
00:21
First, 10,000 North Americans will retire today
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첫째, λΆλ―Έμ—μ„œλŠ” ν•˜λ£¨μ— 만 λͺ…이 μ€ν‡΄ν•©λ‹ˆλ‹€.
00:27
and every day for the next 10 to 15 years.
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μ•žμœΌλ‘œ μ‹­ λ…„μ—μ„œ μ‹­μ˜€ λ…„ λ™μ•ˆ 맀일 κ·Έ 정도가 은퇴할 κ²λ‹ˆλ‹€.
00:31
This is a retirement tsunami.
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μ€ν‡΄μžκ°€ ν•΄μΌμ²˜λŸΌ λͺ°λ €μ˜΅λ‹ˆλ‹€.
00:35
And when these folks come crashing onto the beach,
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이 해일이 해변에 올라였면
00:38
a lot of them are going to feel like fish out of water,
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그쀑 λ§Žμ€ μ‚¬λžŒμ΄ λ¬Όλ°–μœΌλ‘œ λ‚˜μ˜¨ 물고기처럼 느끼고
00:42
without a clue as to what to expect.
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무엇을 ν•΄μ•Ό 할지 λͺ¨λ₯Ό κ²λ‹ˆλ‹€.
00:47
Secondly, it's important because there is a very good chance
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이게 μ€‘μš”ν•œ 두 번째 μ΄μœ λŠ”
μ—¬λŸ¬λΆ„μ€ μΈμƒμ˜ μ‚ΌλΆ„μ˜ 일을
00:51
that you will live one third of your life in retirement.
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μ€ν‡΄ν•˜κ³  λ‚˜μ„œ μ‚΄ κ°€λŠ₯성이 μ•„μ£Ό λ†’κΈ° λ•Œλ¬Έμž…λ‹ˆλ‹€.
00:58
So it's important that you have a heads up
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κ·ΈλŸ¬λ―€λ‘œ μƒλ‹Ήν•œ 심리적 변화와 이에 λ”°λ₯΄λŠ” 어렀움을
01:00
to the fact that there will be significant psychological changes
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κ²ͺ을 κ²ƒμ΄λΌλŠ” 사싀을 미리 μ•Œκ³  μžˆλŠ” 것이 μ€‘μš”ν•©λ‹ˆλ‹€.
01:04
and challenges that come with it.
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01:08
I belong to a walking group that meets early three mornings a week.
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μ €λŠ” 일주일에 μ„Έ 번 이λ₯Έ 아침에 κ±·κΈ° λͺ¨μž„을 ν•©λ‹ˆλ‹€.
01:13
Our primary goal is to put 10,000 steps on our Fitbits,
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우리의 μ£Ό λͺ©ν‘œλŠ” 핏빗에 만 κ±ΈμŒμ„ μ±„μš°λŠ” κ²ƒμž…λ‹ˆλ‹€.
01:19
and then we go for coffee and cinnamon buns more importantly.
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그러고 λ‚˜μ„œ 컀피와 μ‹œλ‚˜λͺ¬ 빡을 먹으러 κ°€λŠ” 것이 더 μ€‘μš”ν•˜μ§€λ§Œμš”.
01:24
(Laughter and applause)
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(μ›ƒμŒ)(λ°•μˆ˜)
01:30
So we've gotten the habit of, as we walk,
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μ°¨μΈ° μš°λ¦¬λŠ” κ±ΈμœΌλ©΄μ„œ μ–˜κΈ°ν• 
01:32
we've gotten the habit of choosing a topic for discussion.
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ν† λ‘  주제λ₯Ό κ³ λ₯΄κ²Œ λ˜μ—ˆμŠ΅λ‹ˆλ‹€.
01:36
And one day the topic was,
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μ–΄λŠ λ‚  κ³ λ₯Έ μ£Όμ œλŠ”
01:39
how do you squeeze all the juice out of retirement?
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μ–΄λ–»κ²Œ ν•˜λ©΄ 은퇴 μƒν™œμ˜ 즐거움을 λͺ¨λ‘ λˆ„λ¦΄ 수 μžˆμ„κΉŒμ˜€μŠ΅λ‹ˆλ‹€.
01:44
How's that for seven o'clock in the morning?
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μ•„μΉ¨ 일곱 μ‹œμ— 이런 μ£Όμ œκ°€ μ–΄λ–€κ°€μš”?
01:47
(Laughter)
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(μ›ƒμŒ)
01:48
So we walk and we talk, and the next day we go on to the next topic.
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μš°λ¦¬λŠ” κ±ΈμœΌλ©΄μ„œ μ΄μ•ΌκΈ°ν•˜κ³  λ‹€μŒ λ‚ μ—λŠ” λ‹€λ₯Έ 주제둜 λ„˜μ–΄κ°‘λ‹ˆλ‹€.
01:52
But the question stayed with me
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ν•˜μ§€λ§Œ μ €λŠ” 은퇴 μƒν™œμ—μ„œ μ •λ§λ‘œ 어렀움을 κ²ͺκ³  μžˆμ—ˆκΈ° λ•Œλ¬Έμ—
01:54
because I was really having some challenges with retirement.
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κ·Έ μ§ˆλ¬Έμ€ μ €μ—κ²Œ 계속 λ‚¨μ•„μžˆμ—ˆμ–΄μš”.
01:58
I was busy enough,
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μ €λŠ” μΆ©λΆ„νžˆ λ°”λΉ΄μ§€λ§Œ μ œκ°€ ν•˜κ³  μžˆλŠ” 일이
02:00
but I really didn't feel that I was doing very much
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02:02
that was significant or important.
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의미 μžˆκ±°λ‚˜ μ€‘μš”ν•œ μΌμ΄λΌκ³ λŠ” 생각이 듀지 μ•Šμ•˜μ–΄μš”.
02:06
I was really struggling.
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정말 고민이 λ˜μ—ˆμ–΄μš”.
02:08
I thought I had a pretty good idea of what success looked like
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직μž₯μ—μ„œ μ„±κ³΅ν•˜λŠ” 것이 λ¬΄μ—‡μΈμ§€λŠ” κ½€ 잘 μ•Œκ³  μžˆλ‹€κ³  μƒκ°ν–ˆμ§€λ§Œ
02:11
in a working career,
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02:13
but when it came to retirement, it was fuzzier for me.
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은퇴에 κ΄€ν•΄μ„œλŠ” 확신이 μ—†μ—ˆμ–΄μš”.
02:18
So I decided to dig deeper.
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κ·Έλž˜μ„œ 깊이 파보기둜 ν–ˆμ–΄μš”.
02:20
And what I discovered was that much of the material on retirement
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μ œκ°€ μ•Œμ•„λ‚Έ 것은 은퇴에 κ΄€ν•œ 자료의 λŒ€λΆ€λΆ„μ΄
02:24
focuses on the financial and/or the estate side of things.
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μž¬μ •μ μΈ μΈ‘λ©΄μ΄λ‚˜ μœ μ‚°μ— 초점이 맞좰져 μžˆλ‹€λŠ” κ²ƒμ΄μ—ˆμ–΄μš”.
02:29
And of course, they're both important,
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λ¬Όλ‘  λ‘˜ λ‹€ μ€‘μš”ν•˜μ§€λ§Œ μ œκ°€ 찾던 것은 μ•„λ‹ˆμ—ˆμ–΄μš”.
02:31
but just not what I was looking for.
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02:34
So I interviewed dozens and dozens of retirees
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κ·Έλž˜μ„œ μ €λŠ” μ€ν‡΄μžλ“€ μˆ˜μ‹­ λͺ…을 λ§Œλ‚˜μ„œ
02:38
and I asked them the question:
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이런 μ§ˆλ¬Έμ„ ν–ˆμ–΄μš”.
02:41
how do you squeeze all the juice out of retirement?
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μ–΄λ–»κ²Œ ν•˜λ©΄ 은퇴 μƒν™œμ„ μ΅œλŒ€ν•œ λˆ„λ¦΄ 수 μžˆμ„κΉŒμš”?
02:46
What I discovered was that there is a framework
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λ‚΄κ°€ λ°œκ²¬ν•œ 것은 λͺ¨λ“  것을 μ΄ν•΄ν•˜λŠ” 데에
02:50
that can help make sense of it all.
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도움이 λ˜λŠ” 틀이 μžˆλ‹€λŠ” κ²ƒμž…λ‹ˆλ‹€.
02:53
And that's what I want to share with you today.
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였늘 μ—¬λŸ¬λΆ„κ³Ό 그것을 λ‚˜λˆ„κ³ μž ν•©λ‹ˆλ‹€.
02:56
You see, there are four distinct phases
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우리 λŒ€λ‹€μˆ˜λŠ” μ€ν‡΄ν•˜κ³ 
03:00
that most of us move through in retirement.
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λͺ…ν™•ν•˜κ²Œ κ΅¬λΆ„λ˜λŠ” λ„€ 단계λ₯Ό κ±°μΉ©λ‹ˆλ‹€.
03:05
And as you'll see, it's not always a smooth ride.
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μ•Œκ² μ§€λ§Œ 항상 μˆœμ‘°λ‘­μ§€λŠ” μ•ŠμŠ΅λ‹ˆλ‹€.
03:10
In the next few minutes,
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λ‹€μŒ λͺ‡ 뢄이 μ§€λ‚˜λ©΄ μ—¬λŸ¬λΆ„μ΄ μ€ν‡΄ν•œ μ‚¬λžŒμ΄λΌλ©΄
03:11
you’ll recognize which phase you’re in, if you’re retired.
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μžμ‹ μ΄ μ–΄λŠ 단계에 μžˆλŠ”μ§€ μ•Œκ²Œ 될 κ²λ‹ˆλ‹€.
03:16
And if you’re not,
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아직이라면 λ‚˜μ€‘μ— μ–΄λ–€ 일이 생길지 λ”μš± 잘 μ•Œκ²Œ 될 κ²ƒμž…λ‹ˆλ‹€.
03:17
you'll have a better idea of what to expect when that time comes.
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03:22
And best of all, you'll know that there is a phase four.
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무엇보닀도 λ„€ 번째 단계가 μžˆλ‹€λŠ” 것을 μ•Œκ²Œ 될 κ²ƒμž…λ‹ˆλ‹€.
03:26
The most gratifying, satisfying of the four phases,
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λ„€ 단계 쀑 κ°€μž₯ 즐겁고 만쑱슀러우며,
03:32
and that's where you can squeeze all the juice out of retirement.
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은퇴 μƒν™œμ˜ λͺ¨λ“  즐거움을 λˆ„λ¦΄ 수 μžˆλŠ” λ‹¨κ³„μž…λ‹ˆλ‹€.
03:38
Phase one is the vacation phase, and that's just what it's like.
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1λ‹¨κ³„λŠ” νœ΄κ°€ 단계이며 말 κ·ΈλŒ€λ‘œμž…λ‹ˆλ‹€.
03:43
You wake up when you want, you do what you want all day.
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μΌμ–΄λ‚˜κ³  싢을 λ•Œ μΌμ–΄λ‚˜ ν•˜λ£¨ 쒅일 ν•˜κ³  싢은 일을 ν•˜μ§€μš”.
03:48
And the best part is that there is no set routine.
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μ‹œκ°„ 맞좰 ν•΄μ•Ό ν•  일이 μ—†λ‹€λŠ” 것이 κ°€μž₯ 쒋은 μ μž…λ‹ˆλ‹€.
03:53
For most people, phase one represents their view of an ideal retirement.
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λŒ€λΆ€λΆ„μ˜ μ‚¬λžŒμ—κ²Œ 1λ‹¨κ³„λŠ” 이상적인 은퇴 λͺ¨μŠ΅μž…λ‹ˆλ‹€.
04:00
Relaxing, fun in the sun, freedom, baby.
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νƒœμ–‘ μ•„λž˜μ„œμ˜ 즐거움, νŽΈμ•ˆν•¨, μžμœ λ‘œμ›€μ΄μ£ .
04:04
(Laughter)
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(μ›ƒμŒ)
04:06
And for most folks, phase one lasts for about a year or so.
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λŒ€μ²΄λ‘œ 1λ‹¨κ³„λŠ” 일 λ…„ 정도 μ§€μ†λ©λ‹ˆλ‹€.
04:10
And then strangely, it begins to lose its luster.
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그러고 λ‚˜λ©΄ μ΄μƒν•˜κ²Œ μ‹œλ“€ν•΄μ§€κΈ° μ‹œμž‘ν•©λ‹ˆλ‹€.
04:15
We begin to feel a bit bored.
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μ‘°κΈˆμ”© 지루해지기 μ‹œμž‘ν•©λ‹ˆλ‹€.
04:18
We actually miss our routine.
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사싀 일상을 κ·Έλ¦¬μ›Œν•©λ‹ˆλ‹€.
04:21
Something in us seems to need one.
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우리 μ•ˆμ— μžˆλŠ” 무언가가 μ›ν•˜λŠ” 것 κ°™μŠ΅λ‹ˆλ‹€.
04:25
And we ask ourselves,
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μžμ‹ μ—κ²Œ λ¬»μŠ΅λ‹ˆλ‹€.
04:27
"Is that all there is to retirement?"
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β€œμ΄κ²Œ 은퇴 μƒν™œμ˜ 전뢀인가?”
04:31
Now when these thoughts and feelings start to bubble up,
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이제 μ΄λŸ¬ν•œ 생각과 감정듀이 λ– μ˜€λ₯΄κΈ° μ‹œμž‘ν•˜λ©΄
04:35
you have already moved into phase two.
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이미 2λ‹¨κ³„λ‘œ μ ‘μ–΄λ“  κ²ƒμž…λ‹ˆλ‹€.
04:40
Phase two is when we feel loss and we feel lost.
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2λ‹¨κ³„μ—μ„œλŠ” 상싀감을 느끼고 λ°©ν™©ν•©λ‹ˆλ‹€.
04:48
Phase two is when we lose the big five,
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2λ‹¨κ³„μ—μ„œ 5λŒ€ μžμ‚°μ„ μžƒμŠ΅λ‹ˆλ‹€.
04:52
significant losses all associated with retirement.
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λͺ¨λ‘ 은퇴와 κ΄€λ ¨λœ 큰 상싀이죠.
04:58
We lose that routine.
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일상을 μžƒμŠ΅λ‹ˆλ‹€.
05:00
We lose a sense of identity.
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정체성을 μžƒμŠ΅λ‹ˆλ‹€.
05:02
We lose many of the relationships that we had established at work.
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직μž₯μ—μ„œ 맺은 λ§Žμ€ 관계λ₯Ό μžƒμŠ΅λ‹ˆλ‹€.
05:07
We lose a sense of purpose,
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λͺ©μ  μ˜μ‹μ„ μžƒκ³ ,
05:09
and for some people, there's a loss of power.
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μ–΄λ–€ 이듀은 ꢌλ ₯을 μƒμ‹€ν•©λ‹ˆλ‹€.
05:13
Now we don't see these things coming.
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μ§€κΈˆ μš°λ¦¬λŠ” 이런 것듀이 λ‹€κ°€ μ˜€λŠ” 것을 보지 μ•ŠμŠ΅λ‹ˆλ‹€.
05:16
We didn’t see these losses coming, and because they happen all at once,
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μš°λ¦¬λŠ” μ΄λŸ¬ν•œ 상싀듀이 μ˜€λŠ” 것을 μ˜ˆμƒν•˜μ§€ μ•Šμ•˜κ³ ,
이 상싀듀은 μˆœμ‹κ°„μ— μΌμ–΄λ‚˜κΈ° λ•Œλ¬Έμ— νŽ‘ μ†Œλ¦¬μ™€ ν•¨κ»˜ μ‚¬λΌμ§‘λ‹ˆλ‹€.
05:20
it’s like, poof, gone.
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05:23
It's traumatic.
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μΆ©κ²©μ μž…λ‹ˆλ‹€.
05:27
Phase two is also when we come face-to-face with the three Ds:
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2λ‹¨κ³„μ—μ„œλŠ” λ˜ν•œ μ„Έ 가지 디와 λŒ€λ©΄ν•©λ‹ˆλ‹€.
05:33
divorce,
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이혼,
05:35
depression
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우울증,
05:36
and decline, both physical and mental.
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그리고 윑체적이고 정신적인 μ‡ ν‡΄μž…λ‹ˆλ‹€.
05:41
The result of all of this
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이 λͺ¨λ“  κ²ƒμ˜ 결과둜 마치 λ²„μŠ€μ— 치인 κ²ƒμ²˜λŸΌ λŠλ‚„ 수 μžˆμŠ΅λ‹ˆλ‹€.
05:42
is that we can feel like we've been hit by a bus.
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05:47
You see, before we can appreciate and enjoy some of the positive aspects
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3단계와 4λ‹¨κ³„μ˜ 긍정적인 츑면을
05:53
associated with phase three and four,
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μ•Œμ•„λ³΄κ³  즐기기 전에
05:57
you are going to, in phase two, feel fear,
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2λ‹¨κ³„μ—μ„œ 두렀움,
06:01
anxiety and quite even depression.
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λΆˆμ•ˆ, 심지어 μš°μšΈμ¦κΉŒμ§€ κ²ͺ게 될 κ²ƒμž…λ‹ˆλ‹€.
06:06
That's just the way it is.
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μ›λž˜ 그런 κ²λ‹ˆλ‹€.
06:08
So buckle up, get ready.
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κ·ΈλŸ¬λ‹ˆ μ•ˆμ „λ λ₯Ό κΌ­ 맀고 μ€€λΉ„ν•˜μ„Έμš”.
06:13
Fortunately, at some point, most of us say to ourselves,
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λ‹€ν–‰μŠ€λŸ½κ²Œλ„, μ–΄λŠ μ‹œμ μ—μ„œ λŒ€λΆ€λΆ„μ€ μžμ‹ μ—κ²Œ μ΄λ ‡κ²Œ λ§ν•©λ‹ˆλ‹€.
06:16
"Hey, I can't go on like this.
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β€œμ΄λ΄, 계속 μ΄λ ‡κ²Œ 지낼 순 μ—†μ–΄.
06:19
I don't want to spend the rest of my life,
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남은 인생, μ•„λ§ˆλ„ 30년을,
06:22
perhaps 30 years, feeling like this."
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이런 κΈ°λΆ„μœΌλ‘œ 보내고 싢지 μ•Šμ•„.”
06:27
And when we do, we've turned a corner to phase three.
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κ·Έλ ‡κ²Œ ν•˜λ©΄, 3λ‹¨κ³„λ‘œ μ ‘μ–΄λ“­λ‹ˆλ‹€.
06:33
Phase three is a time of trial and error.
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3λ‹¨κ³„λŠ” μ‹œν–‰μ°©μ˜€μ˜ μ‹œκ°„μž…λ‹ˆλ‹€.
06:37
In phase three, we ask ourselves,
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3λ‹¨κ³„μ—μ„œ μš°λ¦¬λŠ” μžμ‹ μ—κ²Œ λ¬»μŠ΅λ‹ˆλ‹€.
06:40
β€œHow can I make my life meaningful again?
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β€œμ–΄λ–»κ²Œ λ‚΄ 인생을 λ‹€μ‹œ 의미 있게 λ§Œλ“€ 수 μžˆμ„κΉŒ?
06:45
How can I contribute?”
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μ–΄λ–»κ²Œ κΈ°μ—¬ν•  수 μžˆμ„κΉŒ?”
06:47
The answer often is to do things that you love to do and do really well.
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λŒ€μ²΄λ‘œ 닡은 μžμ‹ μ΄ μ’‹μ•„ν•˜κ³  정말 μž˜ν•˜λŠ” 것을 ν•˜λŠ” κ²ƒμž…λ‹ˆλ‹€.
06:55
But phase three can also deliver some disappointment and failure.
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ν•˜μ§€λ§Œ 3λ‹¨κ³„λŠ” 싀망감과 μ‹€νŒ¨λ„ κ°€μ Έμ˜΅λ‹ˆλ‹€.
07:02
For example,
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예λ₯Ό λ“€λ©΄,
07:04
I spent a couple of years serving on a condo board
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μ „ λͺ‡ λ…„κ°„ μ•„νŒŒνŠΈ μž…μ£ΌμžλŒ€ν‘œνšŒμ˜μ—μ„œ λ΄‰μ‚¬ν–ˆλŠ”λ°
07:08
until I finally got tired of being yelled at.
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μ €ν•œν…Œ μ†Œλ¦¬μ§€λ₯΄λŠ” 것에 κ²°κ΅­ μ§ˆλ €λ²„λ Έμ£ .
07:11
(Laughter)
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(μ›ƒμŒ)
07:14
You see, one year the board decided that we were going to plant daffodils
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μ–΄λ–€ ν•΄μ—λŠ” λŒ€ν‘œνšŒμ˜μ—μ„œ
기쑴의 데이지λ₯Ό μˆ˜μ„ ν™”λ‘œ λ°”κΏ”μ„œ μ‹¬κΈ°λ‘œ ν–ˆλŠ”λ°
07:19
rather than the traditional daisies,
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07:22
(Laughter)
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(μ›ƒμŒ)
07:24
and we got yelled at.
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μ‚¬λžŒλ“€μ΄ μš°λ¦¬ν•œν…Œ μ†Œλ¦¬λ₯Ό μ§ˆλ €μ£ .
07:26
Go figure.
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이상도 ν•˜μ£ .
07:29
I thought about law school,
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쀀법λ₯ κ°€κ°€ 될 μˆ˜λ„ μžˆκ² λ‹€λŠ” 생각에 λ‘œμŠ€μΏ¨λ„ μƒκ°ν–ˆμ—ˆμ–΄μš”.
07:30
thinking perhaps of becoming a paralegal.
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07:33
And then I completed a program on dispute resolution.
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그러고 λ‚˜μ„œ λΆ„μŸ ν•΄κ²° μˆ˜μ—…μ„ λ§ˆμ³€μ–΄μš”.
07:39
It all went nowhere.
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아무 데도 써먹지 λͺ»ν–ˆμ–΄μš”.
07:42
I love to write.
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μ „ κΈ€μ“°κΈ°λ₯Ό μ’‹μ•„ν•΄μš”.
07:44
So I created a program called Getting Started on Your Memoirs.
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κ·Έλž˜μ„œ λ‹Ήμ‹ μ˜ 회고둝 μ‹œμž‘ν•˜κΈ°λΌλŠ” ν”„λ‘œκ·Έλž¨μ„ λ§Œλ“€μ—ˆμ–΄μš”.
07:49
That program has met with "limited success."
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κ·Έ ν”„λ‘œκ·Έλž¨μ€ β€˜λΆ€λΆ„μ μΈ 성곡’을 κ±°λ‘μ—ˆμ–΄μš”.
07:54
(Laughter)
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(μ›ƒμŒ)
07:56
It's been a rocky road for me, too.
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μ €μ—κ²Œλ„ ν—˜λ‚œν•œ κΈΈμ΄μ—ˆμŠ΅λ‹ˆλ‹€.
07:58
And I told you to buckle up.
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λ‹¨λ‹¨νžˆ μ€€λΉ„ν•˜λΌκ³  λ§ν–ˆμ£ .
08:00
(Laughter)
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(μ›ƒμŒ)
08:01
Now, I know all this can sound bad.
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이 λͺ¨λ“  게 λ‚˜μ˜κ²Œ 듀릴 수 μžˆλ‹€λŠ” κ±Έ μ••λ‹ˆλ‹€.
08:04
But it's really important to keep trying and experimenting
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ν•˜μ§€λ§Œ 아침에 λ‹€μ‹œ μΌμ–΄λ‚˜κ³  μ‹Άκ²Œ λ§Œλ“œλŠ” ν™œλ™μ„ 톡해
08:07
with different activities that'll make you want to get up in the morning again,
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κ³„μ†ν•΄μ„œ λ„μ „ν•˜κ³  κ²½ν—˜ν•˜λŠ” 건 μ€‘μš”ν•©λ‹ˆλ‹€.
08:12
because if you don't,
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κ·Έλ ‡κ²Œ ν•˜μ§€ μ•ŠμœΌλ©΄
2λ‹¨κ³„λ‘œ λ―Έλ„λŸ¬μ Έ λ‚΄λ €κ°ˆ κ°€λŠ₯성이 맀우 λ†’κ³ 
08:14
there's a real good chance of slipping back into phase two,
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08:18
feeling like you've been hit by a bus,
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λ²„μŠ€μ— 치인 것 같은 λŠλ‚Œμ΄ λ“€ 텐데
08:20
and that is not a happy prospect.
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그건 쒋은 일이 μ•„λ‹ˆλ‹ˆκΉŒμš”.
08:25
Not everyone breaks through to phase four.
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λͺ¨λ“  μ‚¬λžŒμ΄ 4λ‹¨κ³„κΉŒμ§€ κ°€λŠ” 것은 μ•„λ‹™λ‹ˆλ‹€.
08:28
But those who do are some of the happiest people
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그런 μ‚¬λžŒλ“€μ€ μ œκ°€ λ§Œλ‚œ μ‚¬λžŒλ“€ 쀑 κ°€μž₯ ν–‰λ³΅ν•œ μ‚¬λžŒλ“€μž…λ‹ˆλ‹€.
08:32
I have ever met.
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08:34
Phase four is a time to reinvent and rewire.
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4λ‹¨κ³„λŠ” μž¬μ°½μ‘°ν•˜κ³  μž¬λ°°μΉ˜ν•˜λŠ” μ‹œκΈ°μž…λ‹ˆλ‹€.
08:40
But phase four involves answering some tough questions, too.
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그런데 4λ‹¨κ³„μ—μ„œλŠ” λͺ‡ 가지 μ–΄λ €μš΄ μ§ˆλ¬Έμ— 닡을 ν•΄μ•Ό ν•˜κΈ°λ„ ν•©λ‹ˆλ‹€.
08:45
Like what's the purpose here?
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β€˜μ΄ μ‚Άμ˜ λͺ©μ μ€ 무엇인가? λ‚΄ μ†Œλͺ…은 무엇인가?’
08:47
What's my mission?
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08:49
How can I squeeze all the juice out of retirement?
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β€˜μ–΄λ–»κ²Œ 은퇴 μƒν™œμ˜ μ •μˆ˜λ₯Ό λˆ„λ¦΄ 것인가?’
08:54
You see, it's important that we find activities
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의미 μžˆλŠ” ν™œλ™μ„ μ°ΎλŠ” 것은 μ€‘μš”ν•˜κ³ 
08:57
that are meaningful to us
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08:58
and that give us a sense of accomplishment.
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μš°λ¦¬μ—κ²Œ 성취감을 μ€λ‹ˆλ‹€.
09:02
And my experience is that it almost always involves service to others.
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κ²½ν—˜μƒ, 그건 거의 μ–Έμ œλ‚˜ λ‹€λ₯Έ μ‚¬λžŒμ„ μœ„ν•œ 봉사와 관련이 μžˆμ—ˆμŠ΅λ‹ˆλ‹€.
09:09
Maybe it's helping a charity that you care about.
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관심 μžˆλŠ” μžμ„  단체λ₯Ό λ•λŠ” 것일 μˆ˜λ„ μžˆμŠ΅λ‹ˆλ‹€.
09:13
Maybe you'll be like the old coots.
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μ–΄μ©Œλ©΄ μ˜¬λ“œ 쿳슀처럼 될 μˆ˜λ„ μžˆμ–΄μš”.
09:17
Yeah, these folks took a booth in the local farmers market
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이듀은 지역 농민 μ‹œμž₯에 자리λ₯Ό λ§Œλ“€κ³ 
09:21
and were prepared to give their advice
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쑰언을 ν•΄ 쀄 μ€€λΉ„λ₯Ό 마친 μ‚¬λžŒλ“€μ΄μ£ .
09:24
based on their vast years of experience
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κ·Έλ“€μ˜ 였랜 κ²½ν—˜μ„ λ°”νƒ•μœΌλ‘œ ν•œ 쑰언을
09:28
to anyone who came by.
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μ°Ύμ•„ 온 μ‚¬λžŒ λˆ„κ΅¬μ—κ²ŒλΌλ„ μ€λ‹ˆλ‹€.
09:30
Or maybe you'll be like my friend Bill.
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μ•„λ‹ˆλ©΄, 제 친ꡬ 빌처럼 될 μˆ˜λ„ μžˆμŠ΅λ‹ˆλ‹€.
09:34
I met Bill a few years ago in a 55-plus activity group.
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λͺ‡ λ…„ 전에 55μ„Έ 이상인 μ‚¬λžŒλ“€μ΄ ν™œλ™ν•˜λŠ” λͺ¨μž„μ—μ„œ λΉŒμ„ λ§Œλ‚¬μ–΄μš”.
09:39
In the summer, we golf together
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μ—¬λ¦„μ—λŠ” ν•¨κ»˜ 골프λ₯Ό 치러 κ°€κ±°λ‚˜
09:42
and walk together and bicycle together,
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ν•¨κ»˜ κ±·κ³  ν•¨κ»˜ μžμ „κ±°λ₯Ό νƒ”μŠ΅λ‹ˆλ‹€.
κ²¨μšΈμ—λŠ” 웅크리고 μžˆμ—ˆμ–΄μš”.
09:45
and in the winter we curl.
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09:47
But Bill had this idea that we should exercise our brains as well.
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그런데 빌이 우리의 λ‘λ‡Œλ„ 단련해야 ν•œλ‹€κ³  μƒκ°ν–ˆμ–΄μš”.
09:52
He believed that there was a tremendous pool
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κ·ΈλŠ” 우리 λͺ¨μž„에 μ „λ¬Έμ„±κ³Ό κ²½ν—˜μ΄
09:55
of expertise and experience in our group.
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μ—„μ²­λ‚˜κ²Œ λͺ¨μ—¬μžˆλ‹€κ³  μƒκ°ν–ˆμ–΄μš”.
09:58
And so he approached a number of folks
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κ·Έλž˜μ„œ μ‚¬λžŒλ“€μ—κ²Œ κ°€μ„œ λ¬Όμ—ˆμŠ΅λ‹ˆλ‹€.
10:01
and asked if they would volunteer to teach some of the things
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λ‹€λ₯Έ μ‚¬λžŒλ“€μ—κ²Œ μžμ‹ μ΄ μ’‹μ•„ν•˜λŠ” 일을 κ°€λ₯΄μΉ˜λŠ” 일을 해보겠냐고 ν–ˆμ£ .
10:04
that they love to do to others.
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10:07
And almost invariably they agreed.
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거의 μ˜ˆμ™Έμ—†μ΄ λ™μ˜ν–ˆμŠ΅λ‹ˆλ‹€.
10:11
Bill himself taught two sessions,
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빌 μžμ‹ μ€ 두 가지 μˆ˜μ—…μ„ λ§‘μ•˜μŠ΅λ‹ˆλ‹€.
10:13
one on iPads and one on iPhones.
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ν•˜λ‚˜λŠ” μ•„μ΄νŒ¨λ“œ, 또 ν•˜λ‚˜λŠ” μ•„μ΄ν°μ΄μ—ˆμŠ΅λ‹ˆλ‹€.
10:18
Because we were smart enough to know
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μ™œλƒν•˜λ©΄ μš°λ¦¬λŠ”
10:20
that a number of our members had been given these things
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λ§Žμ€ νšŒμ›λ“€μ΄ 이런 것듀을
10:24
as gifts at Christmas by their children
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μžλ…€λ“€μ—κ²Œ 크리슀마슀 μ„ λ¬Όλ‘œ λ°›μ•˜λŠ”λ°
10:29
and that they barely knew how to turn them on.
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μΌœλŠ” 법도 거의 λͺ¨λ₯Έλ‹€λŠ” 것을 μ•Œ 만큼 λ˜‘λ˜‘ν–ˆμœΌλ‹ˆκΉŒμš”.
10:31
(Laughter)
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(μ›ƒμŒ)
10:34
The first year we offered nine programs
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첫 해에 μˆ˜μ—…μ„ 아홉 개 ν–ˆλŠ”λ° 이백 λͺ…이 λ“±λ‘ν–ˆμ–΄μš”.
10:37
and there were 200 folks signed up.
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10:40
The next year, that number expanded to 45 programs
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λ‹€μŒ ν•΄μ—λŠ” μˆ˜μ—…μ΄ λ§ˆν”λ‹€μ„― 개둜 λŠ˜μ–΄λ‚¬κ³ 
10:45
with over 700 folks participating.
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μΉ λ°± λͺ…이 λ„˜κ²Œ μ°Έμ—¬ν–ˆμ–΄μš”.
10:49
And the following year we offered over 90 programs
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κ·Έ λ‹€μŒ ν•΄μ—λŠ” 아흔 개λ₯Ό μ—΄μ—ˆκ³ 
10:53
and had 2,100 registrations.
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이천백 λͺ…이 λ“±λ‘ν–ˆμ–΄μš”.
10:57
Amazing.
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λ†€λžμŠ΅λ‹ˆλ‹€.
10:58
(Applause)
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(λ°•μˆ˜)
11:03
That was Bill.
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그게 λΉŒμ΄μ—ˆμ–΄μš”.
11:06
Our members taught us to play bridge and mahjong.
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우리 νšŒμ›λ“€μ΄ μš°λ¦¬μ—κ²Œ λΈŒλ¦¬μ§€μ™€ λ§ˆμž‘ ν•˜λŠ” 법을 κ°€λ₯΄μ³€μŠ΅λ‹ˆλ‹€.
11:10
They taught us to paint.
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κ·Έλ¦Ό 그리기와 μžμ „κ±° 수리λ₯Ό κ°€λ₯΄μ³€μŠ΅λ‹ˆλ‹€.
11:11
They taught us to repair our bicycles.
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11:14
We tutored and mentored local school kids.
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μš°λ¦¬λŠ” 지역 학ꡐ 아이듀을 κ°€λ₯΄μΉ˜κ³  λ³΄μ‚΄νˆμŠ΅λ‹ˆλ‹€.
11:18
We set up English as a second language programs for newcomers.
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μƒˆλ‘œ μ˜€λŠ” μ‚¬λžŒλ“€μ„ μœ„ν•œ μ˜μ–΄ ꡐ싀을 μ—΄μ—ˆμŠ΅λ‹ˆλ‹€.
11:23
We had book clubs, we had film clubs,
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λ…μ„œ λͺ¨μž„, μ˜ν™” λͺ¨μž„이 μžˆμ—ˆκ³ 
11:27
we even had a few golf clubs.
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심지어 골프 λͺ¨μž„도 λͺ‡ 개 μžˆμ—ˆμ£ .
11:29
Exhausting, but exhilarating.
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νž˜λ“€μ§€λ§Œ μ¦κ²μŠ΅λ‹ˆλ‹€.
11:33
That's what's possible in phase four.
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이런 것이 4λ‹¨κ³„μ—μ„œ κ°€λŠ₯ν•œ κ²ƒλ“€μž…λ‹ˆλ‹€.
2λ‹¨κ³„μ—μ„œ μ–˜κΈ°ν–ˆλ˜ λ‹€μ„― 가지 상싀을 κΈ°μ–΅ν•˜μ‹œλ‚˜μš”?
11:38
And do you remember the five losses
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11:40
that we talked about in phase two?
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11:43
Loss of our routine and identity and relationships
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μΌμƒμ˜ 상싀, μ •μ²΄μ„±μ˜ 상싀,
관계, λͺ©μ  그리고 ꢌλ ₯의 μƒμ‹€μ΄μ—ˆμ£ .
11:47
and purpose and power.
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11:49
In phase four, these are all recovered.
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4λ‹¨κ³„μ—μ„œ λͺ¨λ‘ νšŒλ³΅λ©λ‹ˆλ‹€.
11:52
It is magic to see.
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λ§ˆλ²• 같은 일이죠.
11:55
Magic.
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λ§ˆλ²•.
11:56
So I urge you to enjoy your vacation in phase one.
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κ·ΈλŸ¬λ‹ˆ 1λ‹¨κ³„μ—μ„œλŠ” νœ΄κ°€λ₯Ό λ§Œλ½ν•˜κΈ°λ₯Ό κΆŒν•©λ‹ˆλ‹€.
12:03
(Laughter)
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(μ›ƒμŒ)
12:05
Be prepared for the losses in phase two.
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2λ‹¨κ³„μ—μ„œμ˜ 상싀에 λŒ€λΉ„ν•˜μ„Έμš”.
12:10
Experiment and try as many different things as you can
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3λ‹¨κ³„μ—μ„œλŠ” ν•  수 μžˆλŠ” 만큼 λ‹€μ–‘ν•œ κ²½ν—˜κ³Ό μ‹œλ„λ₯Ό ν•˜μ„Έμš”.
12:14
in phase three.
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12:16
And squeeze all the juice out of retirement
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그리고 4λ‹¨κ³„μ—μ„œ 은퇴 μƒν™œμ˜ μ •μˆ˜λ₯Ό λˆ„λ¦¬μ„Έμš”.
12:20
in phase four.
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12:21
(Applause)
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(λ°•μˆ˜)
이 μ›Ήμ‚¬μ΄νŠΈ 정보

이 μ‚¬μ΄νŠΈλŠ” μ˜μ–΄ ν•™μŠ΅μ— μœ μš©ν•œ YouTube λ™μ˜μƒμ„ μ†Œκ°œν•©λ‹ˆλ‹€. μ „ 세계 졜고의 μ„ μƒλ‹˜λ“€μ΄ κ°€λ₯΄μΉ˜λŠ” μ˜μ–΄ μˆ˜μ—…μ„ 보게 될 κ²ƒμž…λ‹ˆλ‹€. 각 λ™μ˜μƒ νŽ˜μ΄μ§€μ— ν‘œμ‹œλ˜λŠ” μ˜μ–΄ μžλ§‰μ„ 더블 ν΄λ¦­ν•˜λ©΄ κ·Έκ³³μ—μ„œ λ™μ˜μƒμ΄ μž¬μƒλ©λ‹ˆλ‹€. λΉ„λ””μ˜€ μž¬μƒμ— 맞좰 μžλ§‰μ΄ μŠ€ν¬λ‘€λ©λ‹ˆλ‹€. μ˜κ²¬μ΄λ‚˜ μš”μ²­μ΄ μžˆλŠ” 경우 이 문의 양식을 μ‚¬μš©ν•˜μ—¬ λ¬Έμ˜ν•˜μ‹­μ‹œμ˜€.

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