ElizabethWhite.2017X-.诚实地正视个人的财务危机.；TED演讲稿

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ElizabethWhite_2017X-_诚实地正视个人的财务危机_
You know me.	你认识我。
I am in your friendship circle hidden in plain sight.	我就藏在你朋友圈中不显眼的地方。
My clothes are still impeccable -- bought in the good years when I was still making money.	我的衣着无可挑剔—— 它们是我在还会赚钱的那段黄金岁月所买下的。
impeccable:adj.无瑕疵的;没有缺点的;
To look at me you would not know that my electricity was cut off last week for nonpayment , or that I meet the eligibility requirements for food stamps.	光看着我,你不会知道我上周已经因为没缴电费被断电, 也不会知道我已经符合可以领食物券的条件了。
electricity:n.电力;电流;强烈的紧张情绪; nonpayment:n.拒付; eligibility:n.适任,合格;被选举资格;
But if you paid attention, you would see that sadness in my eyes -- hear that hint of fear in my otherwise self-assured voice.	但若你有留意, 你会看到我眼中的悲伤—— 在我原本自信的声音中听到些许的恐惧。
hint:n.提示;暗示;迹象;窍门;v.暗示;透露;示意; self-assured:adj.有自信的;
These days I'm buying the $1.99 trial-size jug of Tide to make ends meet .	这些日子,我会买 1.99 美元的汰渍洗衣精试用罐, 让收支能平衡。
jug:n.[轻]水壶;监牢;vt.关押;放入壶中;vi.模仿夜莺叫; Tide:n.潮汐; v.顺应潮水航行; make ends meet:收支相抵;量入为出;
I bet you didn't know laundry detergent came in that size.	我打赌你不知道洗衣精还有那种大小的包装。
bet:n.打赌;赌注;预计;估计;v.下赌注(于);用…打赌;敢说;八成儿; laundry:n.洗衣店,洗衣房;要洗的衣服;洗熨;洗好的衣服; detergent:n.清洁剂;去垢剂;
You invite me to the same expensive restaurants the two of us have always enjoyed, but I order mineral water now with a twist of lemon , not the 12-dollar glass of chardonnay .	你邀请我到同一间昂贵的餐厅, 我们两个人一向很享受在那里用餐, 但我现在会点矿泉水加上螺旋柠檬皮, 而不是一杯要价 12 美元的白葡萄酒。
mineral water:矿泉水; twist:v.捻;扭转;曲折;扭动;n.捻;拧;扭动;搓; lemon:n.蹩脚货;柠檬;青柠色;adj.浅黄色的;柠檬色的; chardonnay:n.夏敦埃酒(一种类似夏布利酒的无甜味白葡萄酒);
I am frugal in my menu choices.	点餐时我尽量少花钱。
frugal:adj.节俭的;朴素的;花钱少的;
Meticulous , I count every penny in my head.	我在脑中小心翼翼地计算着每一分钱。
Meticulous:adj.一丝不苟的;小心翼翼的;拘泥小节的;
I demur dividing the table bill evenly to cover desserts and designer coffees and second and third glasses of wine I did not consume .	我反对平分帐单,因为帐单里头包含了甜点、特调咖啡, 及第二和第三杯红酒, 都不是我消费的。
demur:vi.反对;抗辩;提出异议;n.异议;反对; evenly:adv.均匀地;平衡地;平坦地;平等地; desserts:n.(饭后)甜点,甜食;(dessert的复数) consume:v.消耗;吃;毁灭;烧毁;
I am tired of trying to fake appearances .	我好厌倦要在表面上作假。
fake:n.假货;骗子;假动作;v.捏造;假装…的样子;adj.伪造的; appearances:n.露面;外观;出现;表面的迹象[征兆];(appearance的复数)
A friend told me that I'm broke not poor, and there is a difference.	朋友告诉我,我是破产而非贫穷, 两者是有差别的。
I live without cable, my gym membership and nail appointments .	我的生活中没有有线电视、健身房会籍, 及美甲的预约。
membership:n.成员资格;(统称)会员;会员人数; appointments:n.约会;预约;约定;任命;委任;职位;(appointment的复数)
I've discovered I can do my own hair.	我发现我可以自己做头发。
There is no retirement savings , no nest egg.	没有退休存款, 没有储蓄金。
retirement:n.退休;退职;退休年龄;退休生活; savings:n.节省物;节省;节约;储蓄金;存款;(saving的复数)
I exhausted that long ago.	我很早以前就把它花光了。
exhausted:adj.筋疲力尽的; v.使筋疲力尽; (exhaust的过去分词和过去式)
There is no expensive condo to draw equity and no husband to back me up.	没有昂贵的公寓可以贷款变现, 也没有丈夫可以倚靠。
condo:n.公寓;一套公寓住房;公寓的单元; equity:n.公平,公正;衡平法;普通股;抵押资产的净值;
Months of slow pay and no pay have decimated my credit.	数个月来帐单不是迟缴就是没缴, 让我的信用受到重挫。
decimated:v.摧毁;大幅度下降(decimate的过去式及过去分词);
Bill collectors call constantly , reading verbatim from a script before expressing polite sympathy for my plight and then demanding payment arrangements I can't possibly meet.	催帐的人常常打电话来, 照本宣科地念着催款稿后, 才礼貌性地对我的困境表示同情, 接着要求我履行无法如期偿付的还款计画。
collectors:n.收藏家;收集者;聚集剂;[电子]集电极(collector的复数); constantly:adv.不断地;时常地; verbatim:adv.逐字地;adj.逐字的; script:n.剧本;电影剧本;笔迹;广播(或讲话等)稿;v.为电影(或戏剧等)写剧本; expressing:v.表示;表达;表露;显而易见;(express的现在分词) sympathy:n.同情;慰问;赞同; plight:n.困境;境况;誓约;vt.保证;约定; arrangements:n.安排;筹备;布置;商定;(arrangement的复数)
Friends wonder privately how someone so well educated could be in economic free fall .	朋友们私下纳闷着, 我受过这么好的教育, 怎么可能在经济上摔得这么惨。
privately:adv.私下地;秘密地; economic:adj.经济的,经济上的;经济学的; free fall:n.自由落体;自由投放;自由下降;
I'm still as talented as ever and smart as a whip , but work is sketchy now, mostly on and off consulting gigs .	我还是一样有才华、一样机敏, 但工作有一餐没一餐, 大部分是时有时无的谘询案件。
whip:n.鞭子; v.鞭打; sketchy:adj.写生风格的;写生的;概略的; consulting:adj.咨询的,商议的;v.咨询,请教;商议;(consult的现在分词形式) gigs:n.轻便两轮马车; v.用鱼叉捕鱼(gig的三单形式);
At 55 I've learned how to fake cheeriness, but there are not many opportunities for work anymore.	在 55 岁时,我学会了假装开心, 但工作机会已经不多了。
I don't remember exactly when it stopped, but I cannot deny now having entered the uncertain world of formerly and used to be.	我无法明确记得是何时停止的, 但我无法否认我已经进入了以前曾经历过的不稳定、无常的情况中了。
deny:v.否定,否认;拒绝给予;拒绝…的要求; uncertain:adj.无常的;含糊的;靠不住的;迟疑不决的; formerly:adv.以前;原来;
I'm not sure anymore where I belong.	我再也不确定我的归属在哪里。
What I do know is that dozens of online job applications seem to just disappear into a black hole .	我确切知道的是, 数十张线上工作应征申请表似乎都石沉大海。
disappear:v.消失;失踪;不复存在; a black hole:莫名其妙,如坠云雾;
I'm wondering what is to become of me.	我很纳闷我之后会变成什么样子。
So far my health has held up, but my body aches -- or is it my spirit?	目前我的健康还过得去, 但我身体的疼痛—— 还是其实是心灵的痛？
Homeless women used to be invisible to me but I appraise them now with curious eyes, wondering if their stories started like mine.	我以前都看不见无家可归的女性, 但现在我会用好奇的目光来揣度她们, 纳闷她们故事的一开始是否也和我一样。
invisible:adj.看不见的;n.看不见的人或物; appraise:v.评价,鉴定;估价; curious:adj.好奇的,有求知欲的;古怪的;爱挑剔的;
I wrote this piece a year ago.	我一年前写了这篇作品。
It's a composite of my story and other women I know.	它包含了我的故事以及我认识的其他女性。
composite:n.复合材料;合成物;菊科;adj.复合的;合成的;菊科的;vt.使合成;使混合;
I wrote it because I was tired of pretending	我之所以写下它是因为我厌倦了
I was all right when I wasn't.	当我失意落魄时还要假装过得不错。
I was tired of faking normal.	我厌倦了假装一切安好如常。
faking:v.伪造;冒充;假装,佯装,装出;(fake的现在分词)
I wasn't seeing myself in the popular press.	我没有在主流新闻中看见我自己。
Nobody I knew was traveling the world or buying a condo in Costa Rica.	我不认识任何环游世界的人或在哥斯大黎加买公寓的人。
Costa:n.[解剖]肋骨;叶脉;[昆]前缘脉;
Very few of my friends had set aside the 15 to 20 percent experts tell us we need to maintain our standard of living in retirement.	几乎没有朋友听从专家的建议, 将收入的 15% 到 20 % 存下来, 以便在退休后能维持我们既有的生活水平。
maintain:v.维持;保持;维修;保养;坚持(意见); standard of living:n.生活水平;
My friends, many in their 50s and 60s, were looking at a downward mobility , a work-for-life proposition , just a job loss, medical diagnosis or divorce away from insolvency .	我许多朋友都已经五、六十岁了, 他们要面临的是行动力下降, 考虑是否要终身工作, 只要一次失業、一次医疗诊断或一次离婚,就会破产。
downward:adj.下降的;向下的;adv.同"downwards"; mobility:n.移动性;机动性;[电子]迁移率; proposition:n.提议;待处理的问题;任务;(美国)法律修正议案;见解;命题;v.向...提议; diagnosis:n.诊断; divorce:n.离婚;分离;v.与某人离婚;使分离; insolvency:n.破产,无力偿还;倒闭;
We may not have hit rock bottom , but many of us saw a sequence of events where rock bottom was possible for the first time.	我们可能还没有跌到谷底, 但我们当中许多人都经历了一连串的事件, 让他们第一次觉得, 跌到谷底是有可能的。
rock bottom:adj.底层的;最低的;n.最低点; sequence:n.顺序; v.按顺序排列;
And the truth is, it really doesn't take much.	事实是,要跌到谷底并不难。
The median household in the US only has enough savings to replace one month of income.	美国的一般家庭存款只足够代替一个月的收入。
median:n.n.中值,中位数;三角形中线;梯形中位线;adj.中值的;中央的; household:n.家庭;一家人;同住一所(或一套)房子的人;adj.家庭的;家常的;王室的;
Forty-seven percent of us cannot pull together 400 dollars to deal with an emergency .	我们当中有 47% 的人无法凑出 400 美元来处理紧急事件。
pull together:齐心协力; emergency:n.紧急情况;突发事件;非常时刻;adj.紧急的;备用的;
That's almost half of us.	那几乎是一半的人了。
A major car repair and we're standing on the abyss .	若车子需要一次大翻修我们就已站在深渊边缘了。
repair:v.修理;修补;修缮;补救;n.修理;修补;修缮; abyss:n.深渊;深邃,无底洞,地狱;
You wouldn't know it to look around you --	看看你四周,你不会知道——
I'm not the only one in this situation.	我并不是唯一处在这种情况的人。
There are people in this room who are in the same predicament , and if it's not you, it is your parents or your sister or maybe your best friend.	在这间房间中也有人和我有相同的困境, 如果不是你, 也可能是你的父母、你的姐妹或你最好的朋友。
predicament:n.窘况,困境;状态;
We get good at faking normal.	我们都很擅长假装一切安好。
Shame keeps us silent and siloed .	羞耻感让我们保持沉默和孤立。
siloed:n.筒仓;青贮窖;飞弹发射井;vt.把…存入青贮窖;把…储存在筒仓内;
When I first decided I was going to come out with my story,	当我最初决定要出来讲述我的故事时,
come out with:说出;发表;出版;供应,把…投入市场;
I did a website and a friend noticed that there were no photos of me -- it was all kind of cartoons like this.	我设了一个网站, 一个朋友注意到网站上没有我的照片—— 上面都是像这样的漫画。
Even as I was coming out,	即使我站出来了,
I was still hiding.	我也还在躲藏。
We live in a world where success is defined by income.	在我们所居住的世界中, 成功是由收入来定义的。
defined:adj.有定义的,确定的; v.使明确;
When you say that you have money problems, you're announcing pretty much that you're a loser.	当你说你有金钱方面的问题时, 你差不多就等于是宣布你是个失败者了。
When you're a graduate of Harvard Business School as I am, you're some kind of double loser.	当你跟我一样是哈佛商学院的毕業生, 你就是某种双重失败者。
Harvard:n.哈佛大学;哈佛大学学生; Business School:n.(大学里针对毕业生的)工商学院;
We boomers hear a lot about how we have underfunded our retirement; how it's all our fault.	我们这些婴儿潮出生的人, 常听到我们所提拨的退休金不足, 说错全都在我们。
boomers:n.生育高峰中出生的人; underfunded:adj.资金不足的;v.对…提供的资金不足(underfund的过去分词);
Why on earth would we draw down our 401(k) plan to cover the shortfall on our mother-in-law's nursing home care, or to pay for our kid's tuition , or just to survive?	到底为什么要提领我们 401(k) 退休福利计画的钱, 去补足我们亲家母在养老院的照护赤字, 或是支付我们孩子的学费, 或只是用来生存？
shortfall:n.差额;缺少; nursing home:养老院; tuition:n.指导;(尤指大专院校的)学费;
We're accused of being poor planners and deadbeats -- all that money we spent on lattes and bottled water.	我们被指控是很不懂规划的人及游手好闲的人—— 所有的钱都花在拿铁和瓶装水上。
accused:v.控告;控诉;谴责;(accuse的过去分词和过去式) planners:n.规划师;规划人员(planner的复数);计划人员; deadbeats:n.游手好闲者;赖债不还的人;落泊者;adj.非周期的;直进式的; lattes:n.热牛奶咖啡,拿铁咖啡;(latte的复数)
To shame and blame is so deliciously tempting .	羞辱和责怪别人是如此诱人。
deliciously:adv.美味地,芬香地; tempting:adj.吸引人的;诱惑人的;v.引诱;(tempt的现在分词);
Many of us don't even wait for others to do it we're so busy doing it to ourselves.	许多人甚至还没等别人这么做, 就自己先自责起来了。
I say let's own our part: we all could have saved more.	我认为大家应各自反省: 我们原本可以存更多钱。
I know I could have saved more, and if you were to rifle through my life over the last 30 years, you would see more than one dumb thing I have done financially .	我知道我本来可以存更多, 如果你能快速看我过去三十年的人生, 你就会看到我在财务上做的蠢事不只一桩。
rifle:n.步枪;来复枪;v.快速搜寻;匆忙翻找;偷窃;盗取; dumb:adj.哑的,无说话能力的;不说话的,无声音的; financially:adv.财政上;金融上;
I can't change that now and neither can you, but let's not mix up individual , isolated behavior with the systemic factors that have caused a 7.7-trillion-dollar retirement income gap .	我现在无法改变过去, 你也不能, 但不要把个别、独立的行为和造成退休金 7.7 兆美元缺口的系统因子搞混。
individual:n.个人;有个性的人;adj.单独的;个别的; isolated:adj.偏远的; v.隔离,孤立,脱离; systemic:adj.系统的;全身的;体系的; factors:n.因素(factor的复数); v.做代理商; gap:n.差距;间隙;缺口;间隔;v.使豁裂;豁开;
Millions of boomer-age Americans did not land here because of too many trips to Starbucks .	美国数百万名婴儿潮的人并不是因为太常去星巴克而落到这步田地。
Starbucks:n.星巴克(咖啡店名);
We spent the last three decades dealing with flat and falling wages and disappearing pensions and through-the-roof cost on housing and health care and education.	过去三十年间, 我们面临着通膨、下跌的薪资、消失的退休金, 以及房价、医疗保健和教育费用的飙升飞涨。
wages:n.[劳经]工资; v.开展(运动等)(wage的第三人称单数形式); disappearing:v.消失;不复存在;灭绝;丢失(disappear的现在分词) pensions:n.[劳经]养老金(pension的复数形式); v.发放退休金(pension的第三人称单数形式); health care:n.卫生保健;
It used to not be like this.	以前并不是这个样子的。
We all remember the three-legged retirement income stool which had the savings and pension and social security .	我们都还记得退休收入的三脚凳, 它有储蓄、退休金和社会福利。
three-legged:adj.三条腿的;三脚的; stool:n.凳子;大便;粪便;v.长出新枝;排便 social security:n.社会保障金(政府定期向贫穷、失业、患病等人发放);
Well, that stool has gone wobbly .	而那张凳子开始晃动了。
wobbly:adj.不稳定的;摆动的;歪斜的;
Take savings -- what savings?	比如储蓄——什么储蓄？
For many families, there's just nothing left to save after the bills have been paid.	对许多家庭来说, 付完帐单就已无余钱可供储蓄了。
The pension leg of the stool has also gone wobbly.	凳子的「退休金」那只脚也开始晃动。
We can remember when many people had pensions.	我们还记得以前很多人有退休金。
Today only 13 percent of American workers are employed by companies that offer them.	现今美国只有 13% 的工作者受雇于会支付他们退休金的公司。
employed:v.雇用:应用:运用:使用(employ的过去分词和过去式)
So what did we get instead?	那我们反而得到什么？
We got 401(k)-type plans and suddenly responsibility for retirement planning got shifted from our companies to us.	我们得到了401(k) 的退休福利计画, 还突然把退休计画的责任从公司移转到我们个人身上。
shifted:转移;移动(shift的过去式和过去分词);
We got the reigns but we also got the risk, and it turns out that millions of us just aren't that good at voluntarily investing over 40 years.	我们得到了支配权, 但也得承担风险, 结果发现我们有数百万人在 40 年间并非那么擅长做自主性投资。
reigns:vi.统治;支配;盛行;君临;n.统治;统治时期;支配; voluntarily:adv.自动地;以自由意志; investing:v.投资;投入(时间、精力等);(invest的现在分词)
Millions of us just aren't that good at managing market risk.	我们有数百万人就是不那么擅长管理市场风险。
And really the numbers tell the story.	真的,数字会说话。
Half of all American households have no retirement savings at all.	半数的美国家庭完全没有退休储蓄。
households:n.家庭;拆迁户;家户(household的复数);
That would be zero.	那就是 0 存款。
No 401(k), no IRA, not a dime .	没有401(k) 退休福利计画、没有个人退休帐户,一分钱都没有。
dime:n.一角硬币;
Among 55-to-64-year-olds who do have a retirement account, the median value of that account is 104,000 dollars.	在 55 到 64 岁之间确实有退休帐户的人口中, 存款的中位数是 104,000 美元。
Now, 104,000 dollars does sound better than zero, but as an annuity , it generates about 300 dollars.	104,000 美元听起来的确比 0 美元更好。但作为退休年金, 它的月领金额大约是 300 美元。
annuity:n.年金,养老金;年金保险;年金享受权; generates:[计]生成;发生;
I don't have to tell you that you can't live on that.	不用我说,你们也知道这钱不够生活。
With savings down, pensions becoming a relic of the past and 401(k) plans failing millions of Americans, many near-retirees are dependent on social security as their retirement plan .	随着储蓄下降, 退休金已经名存实亡, 而 401(k) 退休福利计画让数百万的美国人失望了, 许多快退休的人要仰赖社会福利来当他们的退休计画。
relic:n.遗迹,遗物;废墟;纪念物; dependent on:依赖于;依靠; retirement plan:un.退休金计划;
But here's the problem.	但问题来了。
Social security was never supposed to be the retirement plan.	社会福利从来就不应该被当作退休计画。
supposed:adj.误信的;所谓的;v.认为;假设;设想;(suppose的过去分词和过去式)
It's not nearly enough.	它不够,且还差得远。
At best it replaces something like 40 percent of your pre-retirement income.	它顶多能提供你退休前 40% 薪资的金额。
Things have changed a lot from when social security was introduced back in 1935.	从 1935 年社会福利开始施行之后, 世事发生了许多变化。
Then, a 21-year-old male had a 50 percent chance of living until he was 65.	当年,21 岁的男性有 50% 的机率可以活到 65 岁。
So he retired at 60, did a little fishing, kissed his grandkids , got his gold watch -- he'd be dead within five years of receiving benefits.	所以他 60 岁会退休, 去钓钓鱼,亲亲他的孙子孙女, 买一只金表—— 在领了五年的福利金之后, 他就会死亡了。
grandkids:n.(外)孙;(外)孙女;(grandkid的复数)
That's not the pattern today.	现今的模式不是这样的。
If you're in your late 50s and in good health, you're going to live easily another 20 or 25 years.	如果你快要 60 岁且健康状况不错, 你很容易可以再活个 20 到 25 年。
That's a really long time to make ends meet if you are broke.	如果这时你破产了, 你将有漫漫长路要去维持收支平衡。
So what's the play if you've landed here and you're 50 or 55 or 60?	所以,如果你是在 50、55 或 60 岁遇到这种情况,该怎么做？
What's the play if you don't want to land here and you're 22 or 32?	如果你现在是 22 或 32 岁, 不想沦落到这地步,又该怎么做呢？
Here's what I've learned from my own experience.	以下是我从自身经验学到的。
The cavalry's not coming.	没有救兵会来救你。
There is no big rescue , no prince charming , no big bailout in the works .	没有什么大救援, 没有什么白马王子, 也没有大型财务救济计画。
rescue:n.救援;抢救;营救;获救;v.抢救;营救;援救; prince charming:n.白马王子;(女子的)梦中情人; bailout:n.紧急救助;跳伞; in the works:正在准备阶段;在进行中或准备中;
To have a shot at something other than being old and poor in America, we're going to have to save ourselves and each other.	在美国,若想要有机会脱离又老又穷的状态, 我们就得要拯救自己和彼此。
I've had to come out of the shadows, stand here openly, and I'm inviting you to do so as well.	我已从阴影底下走出来, 公开站在这里, 我也邀请各位这么做。
I'm not going to tell you that it's not easy.	我不会告诉你们这不容易。
I ventured though to tell my story because I thought it would make it a little easier for people to tell theirs.	我冒险说出我的故事是因为我认为这样做能让大家较容易说出自己的故事。
ventured:v.敢于冒险;小心地说,谨慎地做;(venture的过去分词和过去式)
I think it's only through our strength in numbers that we can begin to change the national "la-la" conversation that we are having on this retirement crisis .	我想也只能靠群聚众人之力, 我们才能开始改变国家针对这个退休危机和我们所进行的「不切实际」对谈。
crisis:n.危机;危险期;决定性时刻;adj.危机的;用于处理危机的;
With so many of us shell-shocked and adrift about what has happened to us, we're going to have to build up from the grassroots , forming what I think are resilience circles.	鉴于我们对于所经历过的事都已感到身心俱疲和无所适从, 因此我们得从根本开始建立起, 形成我心中的恢复圈。
shell-shocked:adj.患战斗疲劳症的;患炮弹休克症的; adrift:adj.漂泊的;漂浮着的;adv.随波逐流地;漂浮着; grassroots:adj.基层的;草根的;乡村的;n.草根;基础; resilience:n.恢复力;弹力;顺应力;
These are small groups of people coming together to talk about what has happened to them, to share resources and information and to begin to figure out a way forward.	恢复圈就是由人们组成的小群体, 聚在一起谈论发生在他们身上的事, 分享资源和资讯并开始找出能向前行的方法。
resources:n.[计][环境]资源; v.向…提供资金(resource的第三人称单数);
I believe from this base that we can find our voices again and sound the alarm -- start pushing our institutions and policymakers to go hard on this retirement crisis with the urgency it deserves .	我相信在这个基础之上, 我们就能再次为自己发声并敲响警钟—— 开始督促我们的机构和政策制定者, 努力处理这个具急迫性的退休危机。
institutions:n.机构;慈善机构;风俗习惯,制度;(institution的复数) policymakers:n.决策人;(policymaker的复数) urgency:n.紧急;催促;紧急的事; deserves:v.值得;应得;应受;(deserve的第三人称单数)
In the meantime -- and there is an "in the meantime" -- we're going to have to adopt a live-low-to-the-ground minds et, d rastically cutting back on our ex pe nses.	同时—— 还有个「同时」—— 我们得要有节俭度日的心态, 大大缩减我们的开销。
In the meantime:在此期间;于此际;
And I don't mean just living within our means.	我的意思并不只是量入为出。
A lot of people are already doing that.	很多人已经那么做了。
What is called for now is to, in a much deeper way, ask ourselves what it really means to live a life that is not defined by things.	在更深层的意义上, 现在需要做的, 是要问问我们自己,
I call it "smalling up."	我称它是「简约且具质感」。
Smalling up is figuring out what you really need to feel contented and grounded.	简质的生活就是要找出让自己感到真正满足和踏实的必要需求。
contented:adj.满足的;心安的;v.使…满足;使…安心(content的过去式和过去分词);
I have a friend who drives really beat-up , raggedy cars, but he will scrimp and save 15,000 dollars at one point to buy a flute because music is what really matters to him.	我有个朋友开着一台破铜烂铁的车, 但他省吃俭用, 直到存够了 15,000 美元就去买一支长笛, 因为音乐对他来说才是真正重要的。
beat-up:adj.破旧的;蓬头垢面的;n.火力扫射; raggedy:adj.破烂的,褴褛的; scrimp:v.省吃俭用,节衣缩食(尤指为了攒钱); flute:n.长笛;细长香槟杯;v.吹笛子;给(衣服)加褶边,加荷叶边
He smalled up.	他过着简约却具质感的生活。
I've had to also let go of magical thinking -- this idea that if I just was patient enough and tightened my belt that things would go back to normal.	我也得抛开不切实际的想法—— 以为如果我能有足够的耐心并束紧腰带, 一切就会回到以前的常态。
patient:adj.有耐心的,能容忍的;n.病人;患者; tightened:v.(使)变紧,更加牢固;使更加严格;加强(tighten的过去分词和过去式) belt:n.皮带;腰带;传动带;传送带;v.猛击;狠打;飞奔;飞驰;
If I just sent in one more CV or applied to one more job online or attended one more networking event that surely I'd get the kind of job I was used to having.	如果我再寄出一份简历表, 或是再上网多申请一个工作, 或是再去参加一场人脉交流的活动, 那我肯定就可以找到以前做的那种工作。
applied:adj.应用的;实用的;v.应用;使用;申请,请求;(apply的过去分词和过去式)
Surely things would return to normal.	一切肯定就会回归常轨。
The truth is I'm not going back and neither are you.	事实是我回不去了,你们也一样。
The normal that we knew is over.	我们所知道的正常已经结束了。
In this new place that we are, we're going to be asked to do things that we don't want to do.	在我们现在所处的新阶段, 我们会被要求做我们不想做的事。
We're going to be asked to take assignments that we think are beneath our station and our talent and our skill.	要去接受那些我们认为以我们的地位、才能和技艺来讲, 实在是大材小用的工作。
assignments:n.作业;分配;(assignment的复数形式) beneath:prep.在…之下;adv.在下方;
I have had to get off my throne .	我得要离开我的宝座,放下身段。
throne:n.王座;君主;王权;v.登上王座;
Last year, a good friend of mine asked me if I would help her with some organization work.	去年,我的一位好友问我能不能幫她做些组织、筹画的工作。
organization:n.组织;机构;体制;团体;
I assumed she meant community organizing along the lines of what President Obama did in Chicago.	我以为她指的是社区组织, 就像欧巴马总统在芝加哥做的一样。
assumed:adj.假定的;假设的;v.假定;假设;认为;承担;(assume的过去分词和过去式) community:n.社区;[生态]群落;共同体;团体; organizing:v.组织;安排;处理;分配;管理;(organize的现在分词)
She meant organizing somebody's closet .	结果她指的是整理某人的储藏室。
closet:n.贮藏室;壁橱adj.隐藏(身份等)的;v.把…关在房间里;
I said, "I'm not doing that."	我说:「我不做那种事。」
She said, "Get off your throne. Money is green."	她说:「放下你的身段, 钱是『绿色』的。」
It's not easy being part of the advance team that is ushering in this new era of work and living.	成为先遣队的一员要开创出新时代的工作和生活方式并不容易。
ushering:v.把…引往;引导;引领;(usher的现在分词)
First is always hardest.	万事起头难。
First is before there are networks and pathways and role models ...	因为是最先,所以还没有支援网络、通路以及典范……
pathways:n.小路;小径(pathway的复数);
before there are policies and ways to show us how to go forward.	还没有政策,也没有方法能告诉我们如何向前行。
policies:n.政策;方针;原则;为人之道;保险单(policy的复数)
We're in the middle of a seismic shift, and we're going to have to find bridgework to get us through.	我们正处在一个重大改变当中, 我们得要找到度过难关的方法。
seismic:adj.地震的;因地震而引起的; bridgework:n.架桥工程;假牙架;
Bridgework is what we do in the meantime; bridgework is what we do while we're trying to figure out what is next.	这段时间我们所做的就是架桥工程; 当我们试图在想出下一步时, 这段过渡期我们所做的事就是架桥工程。
Bridgework is also letting go of this notion that our worth and our value depend on our income and our titles and our jobs.	架桥工程也是要屏除掉我们的价值是取决于我们的收入、头衔及工作的谬误。
notion:n.观念;信念;理解;
Bridgework can look crazy or cool depending on how you were rolling when your personal financial crisis hit.	架桥工程看起来可能很疯狂、也可能很酷, 就看当你个人的财务危机来袭时, 你要如何应对。
personal:adj.个人的;身体的;亲自的;n.人事消息栏;人称代名词;
I have friends with PhDs who are working at the Container Store or driving Uber or Lyft, and then I have other friends who are partnering with other boomers and doing really cool entrepreneurial ventures .	我有些有博士学位的友人在连锁大卖场工作或是开优步、利夫特, 也有其他朋友和婴儿潮的人, 合伙做了很酷的创業投资。
Uber:adj.最好的;?超级的;n.Uber(公司品牌名)优步; entrepreneurial:adj.企业家的,创业者的;中间商的; ventures:n.合资企业(venture的复数); v.敢尝试,冒险一试(venture的第三人称单数);
Bridgework doesn't mean that we don't want to build on our past careers , that we don't want meaningful work.	进行架桥工程并不表示我们不想要建基在我们过去的职涯之上, 也不表示我们不想要做有意义的工作。
careers:n.职业(career的复数);事业;职业生涯;v.全速前进(career的三单形式); meaningful:adj.严肃的;重要的;重大的;意味深长的;
We do.	我们当然想要！
Bridgework is what we do in the meantime while we're figuring out what is next.	架桥工程是在我们试图找出下一步该如何走时,
I've also learned to think strategy not failure when I'm sort of processing all these things that I don't want to do.	我也学会了当我在处理这些我不想做的事情时, 要认为这是权宜性的策略而非意味着失败。
strategy:n.策略;行动计划;部署;战略; processing:v.加工;处理;审核;数据处理;v.列队行进;缓缓前进;(process的现在分词)
And I say that that's an approach that I would invite you to consider as well.	我也希望能邀请各位考虑一下这个方法。
approach:n.方法;路径;v.接近;建议;着手处理;
So if you need to move in with your brother to make ends meet, call him.	如果你得要搬去和你的兄弟一起住来让收支平衡, 就打电话给他。
If you need to take in a boarder to help you pay your mortgage or pay your rent, do it.	如果你得要分租房间来支付你的贷款或支付你的房租, 就去做。
boarder:n.寄膳者;寄膳宿者;寄宿生; mortgage:vt.抵押;n.抵押;房屋抵押贷款;
If you need to get food stamps, get the darn food stamps.	如果你需要领食物券, 就去领那天杀的食物券。
darn:v.织补,缝补;n.织补;
AARP says only a third of older adults who are eligible actually get them.	美国退休人员协会说,只有 1/3 符合领食物券的长者会去领取。
eligible:adj.合格的,合适的;符合条件的;有资格当选的;n.合格者;适任者;有资格者;
Do what you need to do to go another round.	做你必须要做的, 让你能再撑一回合。
Know that there are millions of us.	要知道还有数百万像我们这样的人。
Come out of the shadows.	走出阴影。
Cut back, small up; think strategy, not failure; get off your throne and find the bridgework to get your through the lean times.	缩衣节食, 过简质的生活; 把这当做是策略,而非失败; 放下你的身段, 找到过渡期的解决方案让你能撑过拮据的日子。
lean:v.前俯(或后仰):倾斜:adj.肉少的:难以赚钱的:贫乏的:n.瘦肉:
As a country, we have achieved longevity , investing billions of dollars in the diagnosis, treatment and management of disease .	我们这个国家已经达成了长寿的目标, 投资数十亿美元
longevity:n.长寿,长命;寿命; treatment:n.治疗;疗法;对待;处理;讨论; management:n.管理;管理人员;管理部门;操纵;经营手段; disease:n.病,[医]疾病;弊病;vt.传染;使…有病;
It's not enough to just live a long time.	光是活得久还不够。
We want to live well.	我们也想要活得好。
We haven't invested nearly as much in the physical infrastructure to ensure that that happens.	我们还没有投资同等的钱去做实体的基础设施来确保我们能活得好。
invested:v.投资;投入;(invest的过去分词和过去式) physical:adj.[物]物理的;身体的;物质的;符合自然法则的;n.体格检查; infrastructure:n.基础设施;公共建设;下部构造; ensure:vt.保证,确保;使安全;
We need now a new way of thinking about what it means to be old in America.	现在我们需要一种新的思考方式, 想想在美国变老的意义为何。
And we need guidance and ideas about how to live a richly textured life on a much more modest income.	我们需要指引和建议, 让大家知道如何运用适中的收入来过具质感的生活。
richly:adv.丰富地;富裕地;完全地; textured:adj.有织纹的; v.使具有某种结构(texture的过去分词); modest:adj.些许的;谦虚的;
So I am calling on change agents and social entrepreneurs , artists and elders and impact investors.	所以,我要号召改革人士社会上的企業家、艺术家和年长者们, 还有具影响力的投资者们。
agents:n.代理人,经纪人;原动力;(agent的复数) entrepreneurs:n.企业家;(entrepreneur的复数) impact:n.影响;效果;碰撞;冲击力;v.挤入,压紧;撞击;对…产生影响;
I'm calling on developers and disrupters of the status quo .	我要号召发展者和现况改变者。
developers:n.开发商;发展者;[摄]显影剂(developer的复数); disrupters:n.破坏者;分裂者; status quo:n.现状;原来的状况;
We need you to help us imagine how to invest in the services and products and infrastructure that will support our dignity , our independence and our well-being in these many, many decades that we're going to live.	我需要你们来协助我们, 设想如何在服务、产品以及基础设施上来投资, 以维护我们的尊严、独立性以及我们的福祉, 让我们能在接下来的几十年都能活得更好。
dignity:n.尊严;高贵; independence:n.独立;独立性;自恃心;独立不羁的精神; well-being:n.幸福;康乐;
My journey has taken me from a place of fear and shame to one of humility and understanding.	我的旅程已经把我从心存恐惧和羞耻带到了谦卑和理解的境界。
journey:n.旅行;行程;vi.旅行; humility:n.谦卑,谦逊;
I'm ready now to link shields with others, to fight this fight, and I'm inviting you to join me.	现在我已经准备好要和其他人联手抵御, 要打这场仗, 我也邀请各位加入我。
shields:n.盾牌; v.屏蔽; (shield的第三人称单数)
Thank you.	谢谢。
(Applause)	（掌声）

ElizabethWhite_2017X-_诚实地正视个人的财务危机_