TED演講者：Riley Moynes / Riley Moynes

演講標(biāo)題：How to squeeze all the juice out of retirement / 怎樣活出最精彩的退休人生？

內(nèi)容概要：Despite common belief, retirement takes more than financial planning. And while you may be beyond ready to go on permanent vacation, you also have to psychologically prepare for when the novelty wears off. Riley Moynes explains the four phases of retirement and offers a framework for how to avoid the inevitable pitfalls of taking it too easy in order to help you make the most of your golden years.

和普遍觀點(diǎn)不同，退休需要的不僅僅是財(cái)務(wù)規(guī)劃。雖然你可能已經(jīng)準(zhǔn)備好了去永久度假，但你也必須為新奇感消失后做好心理上的準(zhǔn)備。萊利·莫恩斯解釋了退休的四個(gè)階段，并提供了一個(gè)框架，說(shuō)明如何避免注定過(guò)于輕松的陷阱，以幫助你充分利用你的黃金時(shí)代。

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【1】Everyone says you have to get ready to retire financially.

人人都說(shuō)你必須 為退休做好財(cái)務(wù)上的準(zhǔn)備。

【2】And of course you do.

當(dāng)然你也會(huì)這樣做。

【3】But what they don't tell you is that you also have to get ready psychologically.

但他們不會(huì)告訴你 你心理上也得做好準(zhǔn)備。

【4】Who knew?

而這誰(shuí)又知道呢？

【5】But it's important for a couple of reasons.

做好心理準(zhǔn)備很重要。 原因如下:

【6】First, 10,000 North Americans will retire today and every day for the next 10 to 15 years.

首先,今天北美 有 1 萬(wàn)名老人退休, 未來(lái) 10 到 15 年,天天如此。

【7】This is a retirement tsunami.

這將是一場(chǎng)“退休海嘯”。

【8】And when these folks come crashing onto the beach, a lot of them are going to feel like fish out of water, without a clue as to what to expect.

而當(dāng)這些人 “拍在沙灘上”的時(shí)候, 他們中的很多人將會(huì)感覺 像離開了水的魚。 毫無(wú)頭緒,不知道該期待什么。

【9】Secondly, it's important because there is a very good chance that you will live one third of your life in retirement.

第二,這很重要 因?yàn)榉浅Ｓ锌赡?你生命中的三分之一 將在退休后度過(guò)。

【10】So it's important that you have a heads up to the fact that there will be significant psychological changes and challenges that come with it.

因此,重要的是, 你要有一個(gè)清醒的認(rèn)識(shí) 你將會(huì)經(jīng)歷 顯著的心理變化 以及隨之而來(lái)的挑戰(zhàn)。

【11】I belong to a walking group that meets early three mornings a week.

我參加了一個(gè)步行小組 每周有三個(gè)早晨聚會(huì)。

【12】Our primary goal is to put 10,000 steps on our Fitbits, and then we go for coffee and cinnamon buns more importantly.

我們的主要目標(biāo) 是在我們的 Fitbits 上記錄 10000 步。 然后,更重要的是,我們?nèi)ズ瓤Х?和吃肉桂面包。

【13】(Laughter and applause) So we've gotten the habit of, as we walk, we've gotten the habit of choosing a topic for discussion.

(笑聲和掌聲) 所以我們已經(jīng)養(yǎng)成了這樣的習(xí)慣, 在我們走路的時(shí)候, 我們選擇一個(gè)討論的話題。

【14】And one day the topic was, how do you squeeze all the juice out of retirement?

而有一天,這個(gè)話題是 怎樣活出最精彩的退休生活？

【15】How's that for seven o'clock in the morning?

早上七點(diǎn)的時(shí)候,怎么樣？

【16】(Laughter) So we walk and we talk, and the next day we go on to the next topic.

（笑聲） 所以我們邊走邊談,第二天 我們繼續(xù)下一個(gè)話題。

【17】But the question stayed with me because I was really having some challenges with retirement.

但這個(gè)問(wèn)題一直困擾著我 因?yàn)槲耶?dāng)時(shí)真的面臨著 一些退休帶來(lái)的挑戰(zhàn)。

【18】I was busy enough, but I really didn't feel that I was doing very much that was significant or important.

我過(guò)去已經(jīng)夠忙了。 但我真的不覺得 我做了很多 有意義的或重要的事情。

【19】I was really struggling.

我當(dāng)時(shí)真的很糾結(jié)。

【20】I thought I had a pretty good idea of what success looked like in a working career, but when it came to retirement, it was fuzzier for me.

在工作生涯中, 關(guān)于成功是什么樣子的 我以為我相當(dāng)清楚。 但當(dāng)退休來(lái)臨時(shí), 想法又變得模糊起來(lái)。

【21】So I decided to dig deeper.

所以我決定更深入地挖掘。

【22】And what I discovered was that much of the material on retirement focuses on the financial and/or the estate side of things.

我發(fā)現(xiàn)的是,許多 退休方面的材料 著重于金融 以及/或者財(cái)產(chǎn)方面的事情。

【23】And of course, they're both important, but just not what I was looking for.

當(dāng)然,它們都很重要。 但不是我所尋找的。

【24】So I interviewed dozens and dozens of retirees and I asked them the question: how do you squeeze all the juice out of retirement?

所以我采訪了幾十位 退休人員, 我問(wèn)他們?nèi)缦聠?wèn)題: 怎樣活出最精彩的退休生活？

【25】What I discovered was that there is a framework that can help make sense of it all.

我發(fā)現(xiàn)的是 有一個(gè)框架 可以幫助理解這一切。

【26】And that's what I want to share with you today.

而這正是我今天想 要與你們分享的。

【27】You see, there are four distinct phases that most of us move through in retirement.

你看,有四個(gè)不同 我們中的大多數(shù)人 在退休后都會(huì)經(jīng)歷的階段。

【28】And as you'll see, it's not always a smooth ride.

正如你將看到的那樣。 它并不總是一帆風(fēng)順的。

【29】In the next few minutes, you’ll recognize which phase you’re in, if you’re retired.

在接下來(lái)的幾分鐘里。 如果你已經(jīng)退休了的話, 你會(huì)認(rèn)識(shí)到你處于哪個(gè)階段。

【30】And if you’re not, you'll have a better idea of what to expect when that time comes.

而如果你還沒有退休, 等你退休后你會(huì)更加了解該怎么做。

【31】And best of all, you'll know that there is a phase four.

而且最重要的是,你會(huì)知道 有第四階段。

【32】The most gratifying, satisfying of the four phases, and that's where you can squeeze all the juice out of retirement.

四個(gè)階段里最令人高興的, 令人滿意的那個(gè)階段, 而那正是你可以 活得最精彩的那個(gè)階段。

【33】Phase one is the vacation phase, and that's just what it's like.

第一階段是度假階段, 就像度假一樣。

【34】You wake up when you want, you do what you want all day.

你想起床的時(shí)候就起床, 你整天做你想做的事。

【35】And the best part is that there is no set routine.

最好的部分是 沒有固定的程序。

【36】For most people, phase one represents their view of an ideal retirement.

對(duì)于大多數(shù)人來(lái)說(shuō),第一階段代表了 他們對(duì)理想的退休生活的看法。

【37】Relaxing, fun in the sun, freedom, baby.

放松,在陽(yáng)光下玩耍,自由,寶貝。

【38】(Laughter) And for most folks, phase one lasts for about a year or so.

（笑聲） 而對(duì)于大多數(shù)人來(lái)說(shuō),第一階段會(huì)持續(xù) 大約一年左右的時(shí)間。

【39】And then strangely, it begins to lose its luster.

然后很奇怪, 它開始失去它的魅力。

【40】We begin to feel a bit bored.

我們開始覺得有點(diǎn)無(wú)聊。

【41】We actually miss our routine.

我們實(shí)際上是在懷念 我們有規(guī)律的日常生活。

【42】Something in us seems to need one.

我們身上的某些東西似乎需要它們。

【43】And we ask ourselves, "Is that all there is to retirement?"

而我們問(wèn)自己 這就是退休生活的全部?jī)?nèi)容嗎？

【44】Now when these thoughts and feelings start to bubble up, you have already moved into phase two.

當(dāng)這些想法和感覺 開始涌現(xiàn)出來(lái)。 你已經(jīng)進(jìn)入了第二階段。

【45】Phase two is when we feel loss and we feel lost.

第二階段是當(dāng)我們感到 損失,我們感到失落。

【46】Phase two is when we lose the big five, significant losses all associated with retirement.

第二階段我們 會(huì)感到失去了“五大損失”、 所有與退休有關(guān)的重大損失。

【47】We lose that routine.

我們失去了那種常規(guī)。

【48】We lose a sense of identity.

我們失去了認(rèn)同感。

【49】We lose many of the relationships that we had established at work.

我們失去了許多 在工作中建立的關(guān)系。

【50】We lose a sense of purpose, and for some people, there's a loss of power.

我們失去了目標(biāo)感。 而對(duì)一些人來(lái)說(shuō),失去權(quán)力。

【51】Now we don't see these things coming.

現(xiàn)在我們看不到這些東西了。

【52】We didn’t see these losses coming, and because they happen all at once, it’s like, poof, gone.

我們沒有預(yù)見到這些損失。 而且因?yàn)樗鼈円幌伦泳桶l(fā)生了。 就像,噗的一聲,消失了。

【53】It's traumatic.

這是個(gè)創(chuàng)傷性的問(wèn)題。

【54】Phase two is also when we come face-to-face with the three Ds: divorce, depression and decline, both physical and mental.

第二階段也是當(dāng)我們 和“3個(gè)D”面對(duì)面的時(shí)候: 離婚, 抑郁, 和衰老, 包括身體和精神方面的。

【55】The result of all of this is that we can feel like we've been hit by a bus.

這一切的結(jié)果 導(dǎo)致我們感覺 像被一輛公共汽車撞了。

【56】You see, before we can appreciate and enjoy some of the positive aspects associated with phase three and four, you are going to, in phase two, feel fear, anxiety and quite even depression.

你看,在我們能夠欣賞 和享受與第 3 階段和第 4 階段有關(guān)的 一些積極的方面之前, 在第二階段,你將會(huì)感到恐懼。 焦慮,甚至是抑郁。

【57】That's just the way it is.

這就是事情的真相。

【58】So buckle up, get ready.

所以系好安全帶,做好準(zhǔn)備。

【59】Fortunately, at some point, most of us say to ourselves, "Hey, I can't go on like this.

幸運(yùn)的是,在某些時(shí)候 我們大多數(shù)人都對(duì)自己說(shuō)。 “嘿,我不能再這樣下去了。

【60】I don't want to spend the rest of my life, perhaps 30 years, feeling like this."

我不想像這樣度過(guò)我的余生, 也許 30 年?！?/p>

【61】And when we do, we've turned a corner to phase three.

而當(dāng)我們這樣做的時(shí)候,我們已經(jīng)轉(zhuǎn)過(guò) 一個(gè)轉(zhuǎn)角,進(jìn)入第三階段。

【62】Phase three is a time of trial and error.

第三階段是一個(gè)試錯(cuò)的時(shí)期。

【63】In phase three, we ask ourselves, “How can I make my life meaningful again?

在第三階段,我們問(wèn)自己。 “我怎樣才能讓我的生活 重新變得有意義呢？

【64】How can I contribute?” The answer often is to do things that you love to do and do really well.

我怎樣才能做出貢獻(xiàn)？” 答案往往是做一些 你喜歡做的事情,而且做得非常好。

【65】But phase three can also deliver some disappointment and failure.

但第三階段也會(huì)帶來(lái) 一些失望和失敗。

【66】For example, I spent a couple of years serving on a condo board until I finally got tired of being yelled at.

比如, 我花了幾年的時(shí)間 在一個(gè)公寓委員會(huì)任職 直到我終于厭倦了被罵。

【67】(Laughter) You see, one year the board decided that we were going to plant daffodils rather than the traditional daisies,

（笑聲） 你看,有一年,董事會(huì)決定 我們要種植水仙花 而不是傳統(tǒng)的雛菊。

【68】(Laughter) and we got yelled at.

（笑聲） 而我們被罵了。

【69】Go figure.

去找一找。

【70】I thought about law school, thinking perhaps of becoming a paralegal.

我想到了去學(xué)法律, 我想也許可以成為一名律師助理。

【71】And then I completed a program on dispute resolution.

然后我完成了一個(gè) 關(guān)于解決爭(zhēng)端的項(xiàng)目,

【72】It all went nowhere.

不過(guò)這一切都無(wú)疾而終。

【73】I love to write.

我喜歡寫作。

【74】So I created a program called Getting Started on Your Memoirs.

所以我創(chuàng)建了一個(gè)項(xiàng)目 叫做 “開始寫你的回憶錄“。

【75】That program has met with "limited success."

該計(jì)劃已經(jīng) 有著 “有限的成功“。

【76】(Laughter) It's been a rocky road for me, too.

（笑聲） 對(duì)我來(lái)說(shuō),這也是一條坎坷的道路。

【77】And I told you to buckle up.

我還告訴你要系好安全帶。

【78】(Laughter) Now, I know all this can sound bad.

（笑聲） 現(xiàn)在,我知道這一切 可能聽起來(lái)很糟糕。

【79】But it's really important to keep trying and experimenting with different activities that'll make you want to get up in the morning again, because if you don't,

但這真的很重要 繼續(xù)嘗試和實(shí)驗(yàn), 實(shí)驗(yàn)不同的活動(dòng),這將使你 想在早上再次起床。 因?yàn)槿绻悴贿@樣做。

【80】there's a real good chance of slipping back into phase two, feeling like you've been hit by a bus, and that is not a happy prospect.

很可能你會(huì) 溜回第二階段, 感覺就像你被一輛巴士撞了。 而這并不是一個(gè)令人快樂(lè)的前景。

【81】Not everyone breaks through to phase four.

不是每個(gè)人都能突破到第四階段。

【82】But those who do are some of the happiest people I have ever met.

但那些做到的人是一些 我所見過(guò)的最幸福的人。

【83】Phase four is a time to reinvent and rewire.

第四階段是 徹底改變和重新連接的一個(gè)階段,

【84】But phase four involves answering some tough questions, too.

但第四階段也涉及回答 一些棘手的問(wèn)題。

【85】Like what's the purpose here?

比如存在的目的是什么？

【86】What's my mission?

我的使命是什么？

【87】How can I squeeze all the juice out of retirement?

我怎樣才能活出 最精彩的退休生活？

【88】You see, it's important that we find activities that are meaningful to us and that give us a sense of accomplishment.

你看,重要的是 我們要找到 對(duì)我們來(lái)說(shuō) 有意義的活動(dòng)。

【89】And my experience is that it almost always involves service to others.

而我的經(jīng)驗(yàn)是,它幾乎 總是涉及到服務(wù)他人。

【90】Maybe it's helping a charity that you care about.

也許是幫助一個(gè)你關(guān)心的慈善機(jī)構(gòu)。

【91】Maybe you'll be like the old coots.

也許你會(huì)像那些老頑童一樣。

【92】Yeah, these folks took a booth in the local farmers market and were prepared to give their advice based on their vast years of experience to anyone who came by.

是的,這些人在當(dāng)?shù)氐?農(nóng)貿(mào)市場(chǎng)擺了一個(gè)攤位, 然后基于他們多年的經(jīng)驗(yàn) 準(zhǔn)備對(duì)任何一個(gè)路過(guò)的人 給出他們的建議。

【93】Or maybe you'll be like my friend Bill.

或者,你會(huì)像我的朋友比爾一樣。

【94】I met Bill a few years ago in a 55-plus activity group.

幾年前我在一個(gè) 55 歲以上的 活動(dòng)小組里遇到比爾。

【95】In the summer, we golf together and walk together and bicycle together, and in the winter we curl.

在夏天,我們一起打高爾夫球 并一起散步,一起騎自行車。 在冬天,我們貓?jiān)谝黄稹?/p>

【96】But Bill had this idea that we should exercise our brains as well.

但比爾認(rèn)為我們應(yīng)該 鍛煉我們的大腦。

【97】He believed that there was a tremendous pool of expertise and experience in our group.

他認(rèn)為 我們小組的人有 豐富專業(yè)知識(shí)和經(jīng)驗(yàn)。

【98】And so he approached a number of folks and asked if they would volunteer to teach some of the things that they love to do to others.

因此,他聯(lián)系了一些人 并詢問(wèn)他們是否愿意自愿 教給別人一些 他們喜歡做的事情,

【99】And almost invariably they agreed.

而他們幾乎無(wú)一例外地同意了。

【100】Bill himself taught two sessions, one on iPads and one on iPhones.

比爾自己教了兩節(jié)課。 一節(jié)關(guān)于 iPad , 一節(jié)關(guān)于iPhone。

【101】Because we were smart enough to know that a number of our members had been given these things as gifts at Christmas by their children and that they barely knew how to turn them on.

因?yàn)槲覀冏銐蚵斆鞯刂?我們的一些成員 已經(jīng)得到了這些電子設(shè)備 作為他們的孩子 在圣誕節(jié)給他們的禮物, 而且他們幾乎不知道 如何打開它們。

【102】(Laughter) The first year we offered nine programs and there were 200 folks signed up.

（笑聲） 第一年我們提供了九個(gè)項(xiàng)目, 并有 200 人報(bào)名參加。

【103】The next year, that number expanded to 45 programs with over 700 folks participating.

第二年,這個(gè)數(shù)字 擴(kuò)大到 45 個(gè)項(xiàng)目, 有超過(guò) 700 人參加。

【104】And the following year we offered over 90 programs and had 2,100 registrations.

而在接下來(lái)的一年里 我們提供了超過(guò) 90 個(gè)項(xiàng)目 并有 2100 名注冊(cè)者。

【105】Amazing.

真了不起。

【106】(Applause) That was Bill.

（鼓掌） 那是比爾。

【107】Our members taught us to play bridge and mahjong.

我們的成員教我們打 橋牌和麻將。

【108】They taught us to paint.

他們教我們畫畫。

【109】They taught us to repair our bicycles.

他們教我們修理自行車。

【110】We tutored and mentored local school kids.

我們輔導(dǎo)和指導(dǎo)當(dāng)?shù)貙W(xué)校的孩子。

【111】We set up English as a second language programs for newcomers.

我們?yōu)樾聛?lái)者設(shè)立了英語(yǔ) 作為第二語(yǔ)言的項(xiàng)目。

【112】We had book clubs, we had film clubs, we even had a few golf clubs.

我們有讀書俱樂(lè)部, 我們有電影俱樂(lè)部。 我們甚至有一些高爾夫俱樂(lè)部。

【113】Exhausting, but exhilarating.

令人疲憊,但也令人振奮。

【114】That's what's possible in phase four.

這就是第四階段的可能。

【115】And do you remember the five losses that we talked about in phase two?

而你還記得那五大損失嗎？ 我們?cè)诘诙A段談到的？

【116】Loss of our routine and identity and relationships and purpose and power.

失去了我們的常規(guī)、身份、 關(guān)系、 目的和權(quán)力。

【117】In phase four, these are all recovered.

在第四階段,這些都被恢復(fù)了。

【118】It is magic to see.

真是神奇。

【119】Magic.

像魔法一樣。

【120】So I urge you to enjoy your vacation in phase one.

所以我勸你享受 你在第一階段的假期。

【121】(Laughter) Be prepared for the losses in phase two.

（笑聲） 對(duì)第二階段的損失做好心理準(zhǔn)備。

【122】Experiment and try as many different things as you can in phase three.

在第三階段 實(shí)驗(yàn)和嘗試盡可能多的 不同的事物,

【123】And squeeze all the juice out of retirement in phase four.

并在第四階段活出最精彩的 退休生活。

【124】(Applause)