An honest look at the personal finance crisis | Elizabeth White

254,060 views ・ 2018-08-11

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譯者: Lilian Chiu 審譯者: SF Huang
00:13
You know me.
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你認識我。
00:16
I am in your friendship circle hidden in plain sight.
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我就藏在你朋友圈中不顯眼的地方。
00:20
My clothes are still impeccable --
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我的衣著無可挑剔——
00:23
bought in the good years when I was still making money.
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它們是我在還會賺錢的 那段黃金歲月所買下的。
00:27
To look at me you would not know
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光看著我,你不會知道
00:28
that my electricity was cut off last week for nonpayment,
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我上週已經因為沒繳電費被斷電,
00:32
or that I meet the eligibility requirements for food stamps.
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也不會知道我已經符合 可以領食物券的條件了。
00:37
But if you paid attention,
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但若你有留意,
00:38
you would see that sadness in my eyes --
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你會看到我眼中的悲傷——
00:40
hear that hint of fear in my otherwise self-assured voice.
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在我原本自信的聲音中 聽到些許的恐懼。
00:46
These days I'm buying the $1.99 trial-size jug of Tide
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這些日子,我會買 1.99 美元的 汰漬洗衣精試用罐,
00:50
to make ends meet.
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讓收支能平衡。
00:51
I bet you didn't know laundry detergent came in that size.
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我打賭你不知道洗衣精 還有那種大小的包裝。
00:55
You invite me to the same expensive restaurants
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你邀請我到同一間昂貴的餐廳,
00:58
the two of us have always enjoyed,
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我們兩個人一向很享受在那裡用餐,
01:00
but I order mineral water now with a twist of lemon,
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但我現在會點礦泉水 加上螺旋檸檬皮,
01:02
not the 12-dollar glass of chardonnay.
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而不是一杯 要價 12 美元的白葡萄酒。
01:06
I am frugal in my menu choices.
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點餐時我盡量少花錢。
01:09
Meticulous, I count every penny in my head.
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我在腦中小心翼翼地 計算著每一分錢。
01:12
I demur dividing the table bill evenly to cover desserts and designer coffees
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我反對平分帳單,因為帳單裡頭 包含了甜點、特調咖啡,
01:18
and second and third glasses of wine I did not consume.
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及第二和第三杯紅酒, 都不是我消費的。
01:22
I am tired of trying to fake appearances.
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我好厭倦要在表面上作假。
01:27
A friend told me that I'm broke not poor, and there is a difference.
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朋友告訴我,我是破產而非貧窮, 兩者是有差別的。
01:31
I live without cable, my gym membership
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我的生活中沒有 有線電視、健身房會籍,
01:33
and nail appointments.
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及美甲的預約。
01:35
I've discovered I can do my own hair.
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我發現我可以自己做頭髮。
01:37
There is no retirement savings,
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沒有退休存款,
01:39
no nest egg.
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沒有儲蓄金。
01:42
I exhausted that long ago.
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我很早以前就把它花光了。
01:44
There is no expensive condo to draw equity
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沒有昂貴的公寓可以貸款變現,
01:47
and no husband to back me up.
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也沒有丈夫可以倚靠。
01:50
Months of slow pay and no pay have decimated my credit.
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數個月來帳單不是遲繳就是沒繳, 讓我的信用受到重挫。
01:55
Bill collectors call constantly,
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催帳的人常常打電話來,
01:57
reading verbatim from a script
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照本宣科地唸著催款稿後,
01:59
before expressing polite sympathy for my plight
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才禮貌性地對我的困境表示同情,
02:03
and then demanding payment arrangements I can't possibly meet.
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接著要求我履行 無法如期償付的還款計畫。
02:07
Friends wonder privately how someone so well educated
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朋友們私下納悶著, 我受過這麼好的教育,
02:11
could be in economic free fall.
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怎麼可能在經濟上摔得這麼慘。
02:15
I'm still as talented as ever and smart as a whip,
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我還是一樣有才華、一樣機敏,
02:19
but work is sketchy now,
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但工作有一餐沒一餐,
02:20
mostly on and off consulting gigs.
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大部分是時有時無的諮詢案件。
02:23
At 55 I've learned how to fake cheeriness,
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在 55 歲時,我學會了假裝開心,
02:29
but there are not many opportunities for work anymore.
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但工作機會已經不多了。
02:34
I don't remember exactly when it stopped,
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我無法明確記得是何時停止的,
02:36
but I cannot deny now having entered
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但我無法否認我已經進入了
02:39
the uncertain world of formerly and used to be.
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以前曾經歷過的不穩定、 無常的情況中了。
02:43
I'm not sure anymore where I belong.
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我再也不確定我的歸屬在哪裡。
02:47
What I do know is that dozens of online job applications
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我確切知道的是, 數十張線上工作應徵申請表
02:50
seem to just disappear into a black hole.
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似乎都石沉大海。
02:54
I'm wondering what is to become of me.
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我很納悶我之後會變成什麼樣子。
02:57
So far my health has held up,
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目前我的健康還過得去,
03:00
but my body aches -- or is it my spirit?
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但我身體的疼痛—— 還是其實是心靈的痛?
03:04
Homeless women used to be invisible to me
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我以前都看不見無家可歸的女性,
03:07
but I appraise them now with curious eyes,
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但現在我會用好奇的目光 來揣度她們,
03:10
wondering if their stories started like mine.
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納悶她們故事的一開始 是否也和我一樣。
03:15
I wrote this piece a year ago.
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我一年前寫了這篇作品。
03:17
It's a composite of my story and other women I know.
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它包含了我的故事 以及我認識的其他女性。
03:20
I wrote it because I was tired of pretending
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我之所以寫下它是因為我厭倦了
03:23
I was all right when I wasn't.
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當我失意落魄時還要假裝過得不錯。
03:25
I was tired of faking normal.
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我厭倦了假裝一切安好如常。
03:28
I wasn't seeing myself in the popular press.
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我沒有在主流新聞中看見我自己。
03:32
Nobody I knew was traveling the world or buying a condo in Costa Rica.
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我不認識任何環遊世界的人 或在哥斯大黎加買公寓的人。
03:37
Very few of my friends had set aside the 15 to 20 percent
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幾乎沒有朋友聽從專家的建議, 將收入的 15% 到 20 % 存下來,
03:42
experts tell us we need to maintain our standard of living in retirement.
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以便在退休後能維持 我們既有的生活水平。
03:49
My friends, many in their 50s and 60s,
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我許多朋友都已經五、六十歲了,
03:51
were looking at a downward mobility,
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他們要面臨的是行動力下降,
03:53
a work-for-life proposition,
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考慮是否要終身工作,
03:55
just a job loss, medical diagnosis or divorce away from insolvency.
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只要一次失業、一次醫療診斷 或一次離婚,就會破產。
04:02
We may not have hit rock bottom,
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我們可能還沒有跌到谷底,
04:05
but many of us saw a sequence of events
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但我們當中許多人 都經歷了一連串的事件,
04:09
where rock bottom was possible for the first time.
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讓他們第一次覺得, 跌到谷底是有可能的。
04:13
And the truth is, it really doesn't take much.
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事實是,要跌到谷底並不難。
04:17
The median household in the US
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美國的一般家庭
04:19
only has enough savings to replace one month of income.
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存款只足夠代替一個月的收入。
04:24
Forty-seven percent of us
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我們當中有 47% 的人
04:25
cannot pull together 400 dollars to deal with an emergency.
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無法湊出 400 美元 來處理緊急事件。
04:30
That's almost half of us.
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那幾乎是一半的人了。
04:31
A major car repair and we're standing on the abyss.
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若車子需要一次大翻修 我們就已站在深淵邊緣了。
04:36
You wouldn't know it to look around you --
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看看你四周,你不會知道——
04:38
I'm not the only one in this situation.
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我並不是唯一處在這種情況的人。
04:42
There are people in this room who are in the same predicament,
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在這間房間中也有人 和我有相同的困境,
04:46
and if it's not you,
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如果不是你,
04:47
it is your parents or your sister or maybe your best friend.
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也可能是你的父母、 你的姐妹或你最好的朋友。
04:52
We get good at faking normal.
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我們都很擅長假裝一切安好。
04:55
Shame keeps us silent and siloed.
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羞恥感讓我們保持沉默和孤立。
04:59
When I first decided I was going to come out with my story,
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當我最初決定要出來 講述我的故事時,
05:03
I did a website
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我設了一個網站,
05:04
and a friend noticed that there were no photos of me --
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一個朋友注意到 網站上沒有我的照片——
05:07
it was all kind of cartoons like this.
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上面都是像這樣的漫畫。
05:11
Even as I was coming out,
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即使我站出來了,
05:14
I was still hiding.
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我也還在躲藏。
05:18
We live in a world where success is defined by income.
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在我們所居住的世界中, 成功是由收入來定義的。
05:25
When you say that you have money problems,
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當你說你有金錢方面的問題時,
05:28
you're announcing pretty much that you're a loser.
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你差不多就等於是 宣佈你是個失敗者了。
05:31
When you're a graduate of Harvard Business School as I am,
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當你跟我一樣 是哈佛商學院的畢業生,
05:35
you're some kind of double loser.
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你就是某種雙重失敗者。
05:37
We boomers hear a lot about how we have underfunded our retirement;
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我們這些嬰兒潮出生的人, 常聽到我們所提撥的退休金不足,
05:42
how it's all our fault.
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說錯全都在我們。
05:44
Why on earth would we draw down our 401(k) plan to cover the shortfall
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到底為什麼要提領我們 401(k) 退休福利計畫的錢,
05:49
on our mother-in-law's nursing home care,
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去補足我們親家母 在養老院的照護赤字,
05:53
or to pay for our kid's tuition, or just to survive?
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或是支付我們孩子的學費, 或只是用來生存?
05:57
We're accused of being poor planners and deadbeats --
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我們被指控是很不懂規劃的人 及遊手好閒的人——
06:00
all that money we spent on lattes and bottled water.
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所有的錢都花在拿鐵和瓶裝水上。
06:05
To shame and blame is so deliciously tempting.
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羞辱和責怪別人是如此誘人。
06:09
Many of us don't even wait for others to do it
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許多人甚至還沒等別人這麼做,
06:12
we're so busy doing it to ourselves.
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就自己先自責起來了。
06:15
I say let's own our part:
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我認為大家應各自反省:
06:17
we all could have saved more.
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我們原本可以存更多錢。
06:19
I know I could have saved more,
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我知道我本來可以存更多,
06:21
and if you were to rifle through my life over the last 30 years,
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如果你能快速看 我過去三十年的人生,
06:27
you would see more than one dumb thing I have done financially.
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你就會看到我在財務上 做的蠢事不只一樁。
06:31
I can't change that now
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我現在無法改變過去,
06:34
and neither can you,
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你也不能,
06:35
but let's not mix up individual, isolated behavior
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但不要把個別、獨立的行為
06:41
with the systemic factors
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和造成退休金 7.7 兆美元缺口的
06:43
that have caused a 7.7-trillion-dollar retirement income gap.
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系統因子搞混。
06:49
Millions of boomer-age Americans did not land here
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美國數百萬名嬰兒潮的人
並不是因為太常去星巴克 而落到這步田地。
06:52
because of too many trips to Starbucks.
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06:56
We spent the last three decades dealing with flat and falling wages
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過去三十年間, 我們面臨著通膨、下跌的薪資、
07:00
and disappearing pensions
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消失的退休金,
07:02
and through-the-roof cost
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以及房價、醫療保健
07:03
on housing and health care and education.
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和教育費用的飆升飛漲。
07:07
It used to not be like this.
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以前並不是這個樣子的。
07:09
We all remember the three-legged retirement income stool
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我們都還記得退休收入的三腳凳,
07:15
which had the savings and pension and social security.
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它有儲蓄、退休金和社會福利。
07:21
Well, that stool has gone wobbly.
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而那張凳子開始晃動了。
07:23
Take savings -- what savings?
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比如儲蓄——什麼儲蓄?
07:25
For many families,
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對許多家庭來說,
07:26
there's just nothing left to save after the bills have been paid.
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付完帳單就已無餘錢可供儲蓄了。
07:31
The pension leg of the stool has also gone wobbly.
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凳子的「退休金」 那隻腳也開始晃動。
07:34
We can remember when many people had pensions.
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我們還記得以前很多人有退休金。
07:36
Today only 13 percent of American workers are employed by companies that offer them.
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現今美國只有 13% 的工作者 受僱於會支付他們退休金的公司。
07:43
So what did we get instead?
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那我們反而得到什麼?
07:44
We got 401(k)-type plans
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我們得到了401(k) 的 退休福利計畫,
07:47
and suddenly responsibility for retirement planning got shifted
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還突然把退休計畫的責任
07:51
from our companies to us.
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從公司移轉到我們個人身上。
07:54
We got the reigns but we also got the risk,
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我們得到了支配權, 但也得承擔風險,
07:57
and it turns out that millions of us just aren't that good
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結果發現我們有 數百萬人在 40 年間
08:01
at voluntarily investing over 40 years.
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並非那麼擅長做自主性投資。
08:05
Millions of us just aren't that good at managing market risk.
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我們有數百萬人就是 不那麼擅長管理市場風險。
08:11
And really the numbers tell the story.
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真的,數字會說話。
08:13
Half of all American households have no retirement savings at all.
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半數的美國家庭完全沒有退休儲蓄。
08:19
That would be zero.
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那就是 0 存款。
08:20
No 401(k), no IRA, not a dime.
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沒有401(k) 退休福利計畫、 沒有個人退休帳戶,一分錢都沒有。
08:23
Among 55-to-64-year-olds who do have a retirement account,
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在 55 到 64 歲之間 確實有退休帳戶的人口中,
08:28
the median value of that account is 104,000 dollars.
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存款的中位數是 104,000 美元。
08:33
Now, 104,000 dollars does sound better than zero,
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104,000 美元聽起來 的確比 0 美元更好。
08:38
but as an annuity, it generates about 300 dollars.
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但作為退休年金, 它的月領金額大約是 300 美元。
08:42
I don't have to tell you that you can't live on that.
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不用我說,你們也知道 這錢不夠生活。
08:46
With savings down,
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隨著儲蓄下降,
08:48
pensions becoming a relic of the past
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退休金已經名存實亡,
08:51
and 401(k) plans failing millions of Americans,
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而 401(k) 退休福利計畫 讓數百萬的美國人失望了,
08:55
many near-retirees are dependent on social security
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許多快退休的人要仰賴社會福利
08:59
as their retirement plan.
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來當他們的退休計畫。
09:01
But here's the problem.
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但問題來了。
09:03
Social security was never supposed to be the retirement plan.
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社會福利從來就不應該 被當作退休計畫。
09:07
It's not nearly enough.
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它不夠,且還差得遠。
09:08
At best it replaces something like 40 percent
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它頂多能提供你
09:11
of your pre-retirement income.
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退休前 40% 薪資的金額。
09:15
Things have changed a lot
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從 1935 年社會福利 開始施行之後,
09:17
from when social security was introduced back in 1935.
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世事發生了許多變化。
09:21
Then, a 21-year-old male had a 50 percent chance
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當年,21 歲的男性 有 50% 的機率
09:26
of living until he was 65.
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可以活到 65 歲。
09:29
So he retired at 60,
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所以他 60 歲會退休,
09:32
did a little fishing, kissed his grandkids,
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去釣釣魚,親親他的孫子孫女,
09:34
got his gold watch --
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買一隻金錶——
09:36
he'd be dead within five years of receiving benefits.
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在領了五年的福利金之後, 他就會死亡了。
09:40
That's not the pattern today.
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現今的模式不是這樣的。
09:42
If you're in your late 50s and in good health,
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如果你快要 60 歲 且健康狀況不錯,
09:45
you're going to live easily another 20 or 25 years.
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你很容易可以 再活個 20 到 25 年。
09:49
That's a really long time to make ends meet
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如果這時你破產了,
09:52
if you are broke.
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你將有漫漫長路要去維持收支平衡。
09:54
So what's the play if you've landed here
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所以,如果你是在 50、55 或 60 歲
遇到這種情況,該怎麼做?
09:57
and you're 50 or 55 or 60?
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10:00
What's the play if you don't want to land here
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如果你現在是 22 或 32 歲,
10:04
and you're 22 or 32?
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不想淪落到這地步,又該怎麼做呢?
10:07
Here's what I've learned from my own experience.
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以下是我從自身經驗學到的。
10:10
The cavalry's not coming.
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沒有救兵會來救你。
10:12
There is no big rescue,
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沒有什麼大救援,
10:14
no prince charming,
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沒有什麼白馬王子,
10:16
no big bailout in the works.
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也沒有大型財務救濟計畫。
10:19
To have a shot at something other than being old and poor in America,
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在美國,若想要有機會 脫離又老又窮的狀態,
10:24
we're going to have to save ourselves and each other.
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我們就得要拯救自己和彼此。
10:28
I've had to come out of the shadows,
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我已從陰影底下走出來,
10:34
stand here openly,
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公開站在這裡,
10:37
and I'm inviting you to do so as well.
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我也邀請各位這麼做。
10:40
I'm not going to tell you that it's not easy.
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我不會告訴你們這不容易。
10:44
I ventured though to tell my story
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我冒險說出我的故事
10:47
because I thought it would make it a little easier for people to tell theirs.
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是因為我認為這樣做能讓大家 較容易說出自己的故事。
10:51
I think it's only through our strength in numbers
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我想也只能靠群聚眾人之力,
10:54
that we can begin to change the national "la-la" conversation
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我們才能開始改變國家 針對這個退休危機
10:59
that we are having on this retirement crisis.
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和我們所進行的「不切實際」對談。
11:03
With so many of us shell-shocked and adrift about what has happened to us,
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鑒於我們對於所經歷過的事 都已感到身心俱疲和無所適從,
11:08
we're going to have to build up from the grassroots,
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因此我們得從根本開始建立起,
11:12
forming what I think are resilience circles.
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形成我心中的恢復圈。
11:15
These are small groups of people coming together
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恢復圈就是由人們組成的小群體,
11:19
to talk about what has happened to them,
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聚在一起談論發生在他們身上的事,
11:23
to share resources and information
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分享資源和資訊
11:25
and to begin to figure out a way forward.
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並開始找出能向前行的方法。
11:28
I believe from this base that we can find our voices again
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我相信在這個基礎之上, 我們就能再次為自己發聲
11:32
and sound the alarm --
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並敲響警鐘——
11:34
start pushing our institutions and policymakers
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開始督促我們的機構和政策制定者,
11:39
to go hard on this retirement crisis with the urgency it deserves.
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努力處理這個具急迫性的退休危機。
11:43
In the meantime --
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同時——
11:45
and there is an "in the meantime" --
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還有個「同時」——
11:47
we're going to have to adopt a live-low-to-the-ground mindset,
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我們得要有節儉度日的心態,
11:52
drastically cutting back on our expenses.
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大大縮減我們的開銷。
11:55
And I don't mean just living within our means.
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我的意思並不只是量入為出。
12:00
A lot of people are already doing that.
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很多人已經那麼做了。
12:04
What is called for now is to,
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在更深層的意義上,
12:07
in a much deeper way,
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現在需要做的,
12:09
ask ourselves what it really means
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是要問問我們自己,
擺脫物質束縛的人生真諦為何。
12:11
to live a life that is not defined by things.
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12:15
I call it "smalling up."
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我稱它是「簡約且具質感」。
12:18
Smalling up is figuring out what you really need
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簡質的生活就是要找出讓自己感到
12:22
to feel contented and grounded.
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真正滿足和踏實的必要需求。
12:25
I have a friend who drives really beat-up, raggedy cars,
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我有個朋友開著一台破銅爛鐵的車,
12:30
but he will scrimp and save 15,000 dollars at one point
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但他省吃儉用, 直到存夠了 15,000 美元
12:36
to buy a flute
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就去買一支長笛,
12:37
because music is what really matters to him.
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因為音樂對他來說才是真正重要的。
12:40
He smalled up.
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他過著簡約卻具質感的生活。
12:43
I've had to also let go of magical thinking --
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我也得拋開不切實際的想法——
12:45
this idea that if I just was patient enough
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以為如果我能有足夠的耐心
12:49
and tightened my belt
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並束緊腰帶,
12:51
that things would go back to normal.
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一切就會回到以前的常態。
12:53
If I just sent in one more CV
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如果我再寄出一份簡歷表,
12:57
or applied to one more job online
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或是再上網多申請一個工作,
13:00
or attended one more networking event
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或是再去參加一場人脈交流的活動,
13:03
that surely I'd get the kind of job I was used to having.
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那我肯定就可以找到 以前做的那種工作。
13:07
Surely things would return to normal.
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一切肯定就會回歸常軌。
13:10
The truth is I'm not going back and neither are you.
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事實是我回不去了,你們也一樣。
13:15
The normal that we knew is over.
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我們所知道的正常已經結束了。
13:19
In this new place that we are,
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在我們現在所處的新階段,
13:21
we're going to be asked to do things that we don't want to do.
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我們會被要求做我們不想做的事。
13:25
We're going to be asked to take assignments
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要去接受那些我們認為
13:28
that we think are beneath our station and our talent
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以我們的地位、才能和技藝來講,
13:31
and our skill.
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實在是大材小用的工作。
13:33
I have had to get off my throne.
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我得要離開我的寶座,放下身段。
13:36
Last year, a good friend of mine asked me if I would help her
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去年,我的一位好友問我
13:40
with some organization work.
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能不能幫她做些組織、籌畫的工作。
13:41
I assumed she meant community organizing
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我以為她指的是社區組織,
13:44
along the lines of what President Obama did in Chicago.
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就像歐巴馬總統在芝加哥做的一樣。
13:48
She meant organizing somebody's closet.
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結果她指的是整理某人的儲藏室。
13:51
I said, "I'm not doing that."
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我說:「我不做那種事。」
13:53
She said, "Get off your throne. Money is green."
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她說:「放下你的身段, 錢是『綠色』的。」
13:58
It's not easy being part of the advance team
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成為先遣隊的一員
14:01
that is ushering in this new era of work and living.
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要開創出新時代的 工作和生活方式並不容易。
14:06
First is always hardest.
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萬事起頭難。
14:08
First is before there are networks
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因為是最先,所以還沒有支援網絡、
14:11
and pathways and role models ...
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通路以及典範……
14:14
before there are policies and ways to show us
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還沒有政策,也沒有方法能告訴我們
14:20
how to go forward.
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如何向前行。
14:23
We're in the middle of a seismic shift,
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我們正處在一個重大改變當中,
14:26
and we're going to have to find bridgework to get us through.
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我們得要找到度過難關的方法。
14:31
Bridgework is what we do in the meantime;
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這段時間我們所做的就是架橋工程;
14:33
bridgework is what we do
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當我們試圖在想出下一步時,
14:35
while we're trying to figure out what is next.
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這段過渡期我們所做的事 就是架橋工程。
14:38
Bridgework is also letting go of this notion
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架橋工程也是要屏除掉
14:41
that our worth and our value depend on our income
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我們的價值是取決於 我們的收入、
14:45
and our titles and our jobs.
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頭銜及工作的謬誤。
14:48
Bridgework can look crazy or cool depending on how you were rolling
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架橋工程看起來可能很瘋狂、 也可能很酷,
就看當你個人的財務危機來襲時, 你要如何應對。
14:52
when your personal financial crisis hit.
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14:55
I have friends with PhDs who are working at the Container Store
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我有些有博士學位的友人 在連鎖大賣場工作
14:59
or driving Uber or Lyft,
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或是開優步、利夫特,
15:01
and then I have other friends who are partnering with other boomers
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也有其他朋友和嬰兒潮的人,
15:05
and doing really cool entrepreneurial ventures.
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合夥做了很酷的創業投資。
15:09
Bridgework doesn't mean that we don't want
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進行架橋工程並不表示我們不想要
建基在我們過去的職涯之上,
15:14
to build on our past careers,
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15:16
that we don't want meaningful work.
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也不表示我們不想要 做有意義的工作。
15:19
We do.
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我們當然想要!
15:20
Bridgework is what we do in the meantime
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架橋工程是在我們試圖 找出下一步該如何走時,
15:24
while we're figuring out what is next.
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同時間所要做的事。
15:28
I've also learned to think strategy not failure
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我也學會了當我在處理 這些我不想做的事情時,
15:31
when I'm sort of processing all these things that I don't want to do.
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要認為這是權宜性的策略 而非意味著失敗。
15:37
And I say that that's an approach
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我也希望能邀請
15:39
that I would invite you to consider as well.
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各位考慮一下這個方法。
15:42
So if you need to move in with your brother to make ends meet,
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如果你得要搬去和你的兄弟 一起住來讓收支平衡,
15:46
call him.
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就打電話給他。
15:48
If you need to take in a boarder to help you pay your mortgage
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如果你得要分租房間 來支付你的貸款
15:53
or pay your rent,
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或支付你的房租,
15:55
do it.
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就去做。
15:56
If you need to get food stamps,
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如果你需要領食物券,
15:58
get the darn food stamps.
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1936
就去領那天殺的食物券。
16:00
AARP says only a third of older adults who are eligible actually get them.
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美國退休人員協會說,只有 1/3 符合領食物券的長者會去領取。
16:07
Do what you need to do to go another round.
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做你必須要做的, 讓你能再撐一回合。
16:11
Know that there are millions of us.
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要知道還有數百萬像我們這樣的人。
16:15
Come out of the shadows.
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走出陰影。
16:17
Cut back,
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縮衣節食,
16:18
small up;
288
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過簡質的生活;
16:20
think strategy, not failure;
289
980080
2400
把這當做是策略,而非失敗;
16:23
get off your throne
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放下你的身段,
16:25
and find the bridgework to get your through the lean times.
291
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找到過渡期的解決方案 讓你能撐過拮据的日子。
16:30
As a country, we have achieved longevity,
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我們這個國家已經 達成了長壽的目標,
16:34
investing billions of dollars in the diagnosis, treatment
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投資數十億美元
在診斷、治療和管理疾病。
16:39
and management of disease.
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16:41
It's not enough to just live a long time.
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光是活得久還不夠。
16:46
We want to live well.
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我們也想要活得好。
16:48
We haven't invested nearly as much in the physical infrastructure
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我們還沒有投資同等的錢 去做實體的基礎設施
16:54
to ensure that that happens.
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來確保我們能活得好。
16:57
We need now a new way of thinking
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現在我們需要一種新的思考方式,
17:00
about what it means to be old in America.
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想想在美國變老的意義為何。
17:04
And we need guidance and ideas about how to live
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我們需要指引和建議, 讓大家知道
如何運用適中的收入 來過具質感的生活。
17:10
a richly textured life
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17:12
on a much more modest income.
303
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17:15
So I am calling on change agents
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所以,我要號召改革人士
17:18
and social entrepreneurs,
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社會上的企業家、
17:20
artists and elders
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藝術家和年長者們,
17:22
and impact investors.
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還有具影響力的投資者們。
17:23
I'm calling on developers and disrupters of the status quo.
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我要號召發展者和現況改變者。
17:29
We need you to help us imagine
309
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2520
我需要你們來協助我們,
17:33
how to invest in the services and products and infrastructure
310
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設想如何在服務、產品 以及基礎設施上來投資,
17:39
that will support our dignity,
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2496
以維護我們的尊嚴、
17:41
our independence and our well-being
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獨立性以及我們的福祉,
17:44
in these many, many decades that we're going to live.
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讓我們能在接下來的 幾十年都能活得更好。
17:49
My journey has taken me from a place of fear and shame
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我的旅程已經把我從 心存恐懼和羞恥
17:53
to one of humility and understanding.
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帶到了謙卑和理解的境界。
17:56
I'm ready now to link shields with others,
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現在我已經準備好 要和其他人聯手抵禦,
18:00
to fight this fight,
317
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要打這場仗,
18:03
and I'm inviting you to join me.
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我也邀請各位加入我。
18:05
Thank you.
319
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謝謝。
18:07
(Applause)
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(掌聲)
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