621 the downsides to being wealthy

大家好。

Hi, everyone.

欢迎来到德瓦·拉加个人理财。

Welcome to Dev Raga Personal Finance.

我叫德瓦·拉加，这期节目我们要聊聊赚大钱或变得富有背后的一些负面问题。

My name is Dev Raga, and in this episode, we will showcase some of the negative things of making a lot of money or being wealthy.

当然，有钱也有好处，但问题也不少。

And, yes, there are good sides to it, but, of course, there are bad sides to it.

过去七八年做播客，这个节目主要都在讲财富的正面影响。

Over the last seven years or eight years of podcasting, this show has mainly been showcasing the positives of being wealthy.

怎么管钱、一切都顺顺利利，大家都开心，因为我始终相信，了解金钱、掌握它的机会，远比忽视它要强得多。

Money management, everything is hunky dory, everyone's happy because I still strongly feel being empowered, being educated about money and its opportunities is way better than just ignoring it.

但财富也伴随着不少麻烦和风险，生活并不总是光鲜亮丽。

But it does come with its own negatives and risks, and it's not all rosy.

我们开始吧。

Let's get started.

本播客由Sphere房屋贷款提供支持。

This podcast is supported by Sphere Home Loans.

无论你是想购买第一套住房或投资房产，还是考虑转贷、提取房产净值，或了解自己的贷款额度，Sphere的抵押贷款顾问全程在线，无论你身处澳大利亚哪里，都能为你提供帮助。

Whether you're looking to buy your first home or investment property, refinance your properties, get an equity release, or find out your borrowing capacity, Sphere's team of mortgage brokers are 100% online and can help you wherever you are in Australia.

请点击节目说明中的链接，或搜索‘Sphere房屋贷款’，立即联系他们的团队。

Just click the link in the show notes or search Sphere Home Loans to speak with your team today.

如果你是第一次听这个播客，想跟我联系，随时可以通过社交媒体找我。

Now remember, if you're new to the podcast and wanna reach out to me, you can always contact me via social media.

目前我主要用的是Facebook。

Facebook is the main platform that I use nowadays.

记住，我的频道三大宗旨：教育、赋能、娱乐。

And remember, the three main names, education, empowerment, and entertainment.

说实话。

Let's face it.

很多人觉得，赚很多钱、变得富有，就是成功的终极标志。

People think having a lot of money, making a lot of money, and becoming wealthy means the ultimate success.

大家都很推崇它。

It's revered.

很多人觉得，世界上所有的问题，只要有了更多钱、变得更富有，就都能解决。

And often people think of all the problems in the world would go away if they just had more money, if they just became more wealthy.

说实话，我当穷学生的时候，也这么想过。

Hell, when I was a poor medical student, I used to think like this as well.

那时候我总想，要是当实习医生能赚十万块，我的烦恼肯定比现在当穷学生时少多了。

If only I made a 100,000 as an intern, my problems will be a lot less compared to my life now as a poor medical student.

要是当住院医师能赚二十五万，我的问题就全消失了。

If I only made a quarter of $1,000,000 as a registrar, my problems will go away.

那些年收入上百万的外科医生、麻醉师、全科专家和内科医生，难道就一点烦恼都没有吗？

Surely, the surgeons, the anesthetists, the consultant GPs, the physicians who make millions of dollars don't have any problems.

对吧？

Right?

这说法太老套了。

That's a cliche.

表面现象。

The optics.

但财富真正重要的，是我们看不到的那一面。

But with wealth, it's what we don't see that matters most.

在这期节目中，我想聊聊有钱人的一些烦恼。

In this episode, I wanna highlight some of the downsides of being wealthy.

本期我们不只谈暴富，也会涉及一些相关的方面。

Now for the purposes of the episode, we won't only talk about sudden wealth, but we will also include some aspects of it.

第一，信任和人际关系的问题。

Number one, trust and relationship issues.

想想全球那些亿万富翁和千万富翁。

Think about the wealthy people around the world, the billionaires and the multimillionaires.

你现在愿意和他们交换人生吗？

Would you swap your life with them right now?

我不愿意。

I wouldn't.

即使财富是慢慢积累的，但如果是短时间内暴富，最大的风险之一就是你会比普通人更频繁地想着它。

One of the risks of becoming wealthy even over a period of time, but definitely over a short period of time, is you tend to revolve and think about it a lot more than the average person.

别人往往会用你的财富来定义你。

People tend to define you by your wealth.

对你自己来说，你还是你，但在别人眼里，你就不再是原来的你了。

You are still you to you, but not to people around you.

朋友和家人，如果他们没像你一样自然变富，就容易觉得自己低人一等，关系也会越来越疏远。

Friends and family, if they've not organically become wealthy like yourself, tend to feel inferior, tend to separate more and more.

事实上，你们之间已经没什么共同点了。

In fact, there is nothing more in common anymore.

我甚至在亲密关系里也观察到这种现象。

I've noticed this even in relationships altogether.

在医学院和住院医时期，我们有一小群长期来往的家人朋友。

During medical school and junior doctor years, we had a select group of family friends.

后来我们有了孩子。

Then we had kids.

突然间，我们和那些没孩子的朋友就没什么共同话题了。

Then all of a sudden, we didn't have much in common with our friends who did not have kids.

随着时间推移，我们结识了新朋友——学校的家长、有类似年龄孩子的家庭，整个社交圈都变了。

And over time, we made new friends, school friends, kinder families, people with similar age kids, and a whole friendship circle changed.

当你变得富裕时，这类事情往往会自然而然地发生。

This sort of things tend to happen as you become wealthy.

如果你有钱，就会不自觉地靠近那些志同道合、也正努力致富的人。

If you're wealthy, you tend to surround yourself with like minded people who are also happen to be wealthy or on their way to become wealthy.

久而久之，你的整个朋友圈都会彻底改变。

And over time, your whole friendship circles change.

第二点，是家庭问题。

Number two is family issues.

这完全看你的家庭情况，但随着时间推移，家人可能会越来越依赖你的财富。

This is entirely dependent on your family, but over time, it is a risk that families may rely on your wealth.

在一些文化里，这种情况非常普遍，甚至被视为理所当然，还被鼓励。

In some cultures, this is very, very common, expected, and even encouraged.

在西方文化里，没人指望你这么做，也不鼓励你这么做。

In Western culture, it is not expected nor encouraged.

你的钱就是你的钱。

Your money is your money.

我的财富就是我的财富。

My wealth is my wealth.

随着我们越来越多元化，不同文化对财富和金钱的看法也开始相互影响，界限变得越来越模糊。

As we become more and more multicultural, the concept of wealth and money amongst cultures interject because they become more and more fluid.

家人可能会指望你提供经济上的支持。

Families may rely on financial help with yourself.

根据你对金钱的态度和你的文化背景，你可能并不认同这种做法。

Depending on your views on money and your culture, you may not like this.

这很容易引发家庭矛盾。

This may create family conflict.

正确的做法是：如果你想用钱帮家人，这没问题。

The policy should be, if you want to help family with money, that is fine.

别指望对方还钱，也别签什么书面协议要求他们日后归还。

Never expect the money back or have a strict wording in writing to ensure the money is returned at a later date.

口头约定根本没用。

Having verbal agreements does not work.

这还取决于你是帮直系亲属，还是远房亲戚，甚至多年不联系的家人。

This also depends on immediate family members or extended or long lost family members.

第三点是猜疑。

Number three is suspicion.

这对突然暴富的人——比如继承遗产、中了彩票的——特别容易出问题。

This may be a problem for the sudden wealthy, the inheritance, the lotto winners, etcetera, etcetera.

你会开始怀疑身边的人。

You can become suspicious of people around you.

他们是真的把你当朋友吗？

Are they genuinely your friends?

还是只是冲着你的钱来的？

Are they playing you for your money?

有些情况下，新建立的关系可能会让人产生疑虑。

In some instances, new relationships formed may come into question.

妥善处理这些情况，别到处炫耀财富，有助于保持低调，也能降低被人利用的风险。

Managing this effectively and not flaunting your wealth may help achieve some modesty and also reduce your risk of being played.

第四个问题是缺乏隐私。

Number four is lack of privacy.

这个问题对那些生活在聚光灯下的人尤其明显，比如艺人、歌手、演员、摇滚明星、企业家。

This is more of a problem for wealthy people whom are out there in the open, like entertainers, singers, movie stars, rock stars, entrepreneurs.

至于那些低调的富人，比如住在郊区的百万富翁家庭，或者隔壁的百万富翁，只要不张扬，问题就没那么大。

For the quiet wealthy, your suburban family who are multimillionaires, the next door neighbour who is a millionaire, much less of a problem unless you flaunt your wealth.

大房子、豪华轿车、社交媒体上晒的奢华度假照，诸如此类。

Big homes, flashy cars, fancy holiday photos on social media, etc.

等等这些。

Etc.

顺便说一句，别当着别人的面这么做。

By the way, don't do this live.

如果你在线上直播，那就说明你不在家。

If you are posting online live it means you are not home.

你会惊讶地发现，有罪犯在盯着你看。

You will be surprised that criminals are watching.

这会引来不必要的媒体关注、闲言碎语，人们也会越来越爱评判你。

It can attract unwanted media scrutiny, unwanted gossip, and people become more and more judgmental.

在极少数情况下，财富还会吸引罪犯、帮派，甚至骚扰。

And in rare circumstances, wealth can attract criminals, gangs, and even harassment.

第五点是压力增大。

Number five is increased stress.

这其实挺常见的。

This is actually quite common.

我自己在逐步积累财富的过程中，也明显感受到了这一点。

I've noticed this a bit more myself as I embark on a wealth ladder.

担心财富受损、保护自己的底线，钱可能会变成一种执念。

Protecting your downside, fear of losing your wealth, and money can become a bit of an obsession.

你几乎得改变自己的行为方式或说话方式，才能保护好自己的财富。

You almost need to change the way that you behave or change the way that you speak in order to protect your wealth.

现在你可能要对更多人负责，比如各种慈善机构，所以你得守住财富，因为别人真的会依赖它。

Now you may be responsible for more people like various charity organizations, so you kinda need to maintain your wealth as well as others may need to rely on this legitimately.

在特别富有的家庭里，会有家庭管家、员工或服务人员为你工作，这又多了一层责任。

Now in super wealthy families, you have family officers or staff or people who serve and work for you, can be an added responsibility.

你现在要为可能几十人，甚至上百人负责。

You are now responsible for potentially tens or if not hundreds of people.

需要设立并保护法律实体，你也更可能卷入法律纠纷。

Legal entities need to be created and protected, and you are more likely to be involved in litigation.

这意味着得请一支律师团队，可能还得配个会计师，压力更大了。

This means a team of lawyers, maybe even an accountant, more stress.

这真让人头疼。

That's just yuck.

第六点是社交孤立。

Number six is social isolation.

你越有钱，就越少跟人混在一起，因为身边跟你一样富有的人本来就少。

The more wealthy you become, the less you tend to be hanging around with people because there's less people around you of that wealth.

那些说富人跟普通人打成一片的说法，太老套了。

The romanticization of wealthy people hanging around with normal people, that's too cliche.

根本行不通。

It doesn't work.

现实中根本不会这样。

It doesn't really happen.

财富越往上走，你周围的人和家庭就越少。

The distribution of wealth, you're amongst less and less individuals and families as you move up the wealth ladder.

咱们来看看澳大利亚的数据。

Now let's look at the data in Australia.

澳大利亚最富有的那10%的人，拥有了全国大约一半的财富。

The top 10% of wealthy people in Australia own around 50% of the entire nation's wealth.

这简直太离谱了。

That's pretty insane.

我不确定。

I don't know.

我们都以为澳大利亚是个公平的国家。

We're all thinking Australia is an equitable country.

但事实并不总是这样。

It sometimes isn't.

据我了解，这种差距其实还在扩大。

And as my understanding, this gap is actually widening.

澳大利亚最富有的那10%人群，平均净资产达到500万美元以上。

The top 10% of wealthy people on average are $5,000,000 net worth or more.

而最底层的60%人群，平均净资产大约只有38万美元。

The bottom 60% on average are around $380,000 net worth.

澳大利亚的基尼系数，我得专门做一期讲讲，财富方面的系数在0.61到0.62之间。

The Gini coefficient in Australia, which I need to do an episode on, is point six one to point six two for wealth.

系数越接近零，社会就越平等。

The closer to zero you are, the more equal you are as a society.

越接近1，社会的不平等程度就越高。

The closer to one you are, the more unequal you are as a society.

所以你看，澳大利亚的财富基尼系数实际上超过了0.5。

So notice in Australia, our Gini coefficient for wealth is actually above point five.

我们的财富分配其实相当不平等。

We're actually relatively unequal.

不过有意思的是，如果看澳大利亚的收入基尼系数，我们的平等程度要高得多。

Interestingly though, when you look at the Gini coefficient for Australia for income, we're far more equal.

收入的基尼系数是0.32，跟财富相比差了不少。

We're point three two compared to wealth.

一般来说，北欧国家在财富和收入的平等性上，几乎总是排在全球最前列。

Generally speaking, Scandinavian countries almost always rank the highest amongst equal societies when it comes to wealth and income when compared to most other countries.

发展中国家在与发达国家对比时，往往属于最不平等的那一批。

The developing countries often rank amongst the most unequal societies when compared to developed countries.

咱们先休息一下。

Let's take a quick break.

回来之后，我们来聊聊有钱人有哪些好处、哪些风险，还有需要注意的地方。

And when we come back, we'll look at the pros and cons and some of the pitfalls as well to consider of being wealthy.

马上回来。

Be right back.

如果你在找个人财务建议，别从播客里找。

If you're after personal financial advice, don't get it from a podcast.

如果你需要根据自身情况获得帮助，去 moneypodcast.com.au，点‘获取帮助’，我们会帮你联系一位我们信赖的专业人士。

If you would like help based on your own personal situation, head over to moneypodcast.com.au, click get help, and we'd be happy to introduce you to one of our trusted professionals.

我们的审核认证财务顾问和房贷经纪人服务遍布全澳大利亚，无论你在哪里，都能找到合适的人帮你。

Our panel of vetted financial advisers and mortgage brokers work with people all over Australia so they can connect with you wherever you are.

网址是 moneypodcast.com.au，记得点‘获取帮助’。

That's moneypodcast.com.au, and click get help.

本播客由 Skye 提供支持，这是一家专门为听我节目的专业人士提供保险咨询的公司。

This podcast is brought to you by Skye, specialist insurance advice firm for the professionals who listen to my podcast.

Skye 专注于复杂的人寿、残疾和收入保障保险。

Skye caters for complex life disability and income protection insurance.

当你找财务顾问安排人寿和残障保险时，甚至可以用你的养老金账户来支付保费，但保险本身并不绑定在养老金账户上。

When you see a financial advisor to set up your life and disability insurance, you can even have it funded by your superannuation fund but not connected to it.

这意味着，如果你换了养老金账户，保险依然有效，只需把保费的来源切换到新的账户即可。

This means if you change super funds, you keep your insurance and just re divert the premium from your new super fund.

准备好了吗？

Ready to get started?

点击节目说明中的链接，或者访问 sky.com.au。

Click the link in the show notes or go to sky.com.au.

访问 sky.com.au，预约今天免费的十五分钟咨询，看看他们能如何帮到你。

That's skye.com.au to schedule your free fifteen minute consultation today to see how they can help.

欢迎回来。

Welcome back.

接下来是德夫·拉加。

Now this is Dev Raga.

我们正在讨论富有带来的负面影响，这确实是值得你认真考虑的问题。

We're talking about the downsides of being wealthy, which is, you know, which is something that you need to consider.

那我们继续吧。

So let's keep going.

评判和压力。

Judgmental and pressures.

想想罗杰·费德勒的孩子们所承受的压力。

So imagine the pressure faced by Roger Federer's kids.

想想企业家子女所面对的压力。

Imagine the pressure faced by entrepreneurs' children.

好像他们也必须富有、成功才行。

It's always as if they need to be wealthy and successful too.

事实上，就连我给医护人员做播客时，也有人批评说，内容针对的是那些收入明明比普通人还高的医护群体。

In fact, even when I do podcasts for healthcare workers, I do get some heat that it is aimed at healthcare workers who arguably earn more than the general public.

你们这些人哪需要听这么多建议啊。

Surely you guys don't need all this advice.

你们不是早就赚得盆满钵满了吗？

Surely you make heaps of money already.

这会削弱甚至否定我们的感受和担忧。

It invalidates or makes our concerns less valid.

事实上，有位病人直接跟我说：‘你可是医生，早就身家过千万了，我们哪还有机会。’

In fact, I was point blank told by a patient, you're a doctor, you're a multimillionaire anyway, we have no chance.

说实话，被这样对待真挺难受的——毕竟，公立医院的医护人员从不会问病人赚多少钱才肯看诊。

Kind of rough to be treated that way, to be honest, as no healthcare worker in a public hospital even asks any patient for their financial status before seeing them.

我对这位病人说的话感到很不爽。

So I took offense at what this patient said to me.

我告诉他：你不能这样跟我说话，咱们还是专注你的健康吧，别在诊室里聊这些跟钱有关的废话。

I told them they can't speak to me this way, so let's concentrate on their health rather than speak about nonsense like this about money in a clinical setting.

这种事在医疗圈里很常见。

We see this in the medical world.

我们大多数人也都被问过：‘你孩子以后会当医生吗？’

Most of us have faced the questions, are your children going to be doctors?

这又是另一种偏见。

That's another judgment.

这又是一重压力。

That's another pressure.

在某些族群中，这种压力要明显得多。

This is far more pronounced in some ethnicities than other ethnicities.

压力风险较高的族群包括亚洲人、南亚人、中东人和非洲人。

Ethnicities of higher pressure risks are Asian people, Indian Subcontinent, people from The Middle East, and Africa.

他们的孩子常常面临这样的压力。

Their children often face these sort of pressures.

说实话吧。

And let's face it.

我可不是对这事漫不经心。

I'm not being, you know, you know, blase about this.

这是实实在在的事实，必须记录下来，这就是竹子天花板。

This is a real fact, and this has to be documented as the bamboo ceiling.

竹子天花板这个概念主要在亚裔群体中流行，但它的本质是一样的，也可能适用于其他文化。

The bamboo ceiling is a concept popularized amongst Asian ethnicities mainly, but the concept remains the same, and it can apply to other cultures as well.

全球的政治和财富主要掌握在西方社会手中。

The global politics and wealth is predominantly dominated by Western societies.

所以许多从亚洲移民出去的人，会拼命逼孩子在学业和经济上出人头地，因为他们担心如果不这样，就会遭到歧视。

So people that migrate out of Asia often push their kids to succeed financially and education wise because they feel otherwise they feel they'll be discriminated against.

在一定程度上，这确实没错，尤其是在六七十年代、八九十年代。

To some extent, this is true, especially in the sixties, the seventies, the eighties, and nineties.

但随着时间推移，这种压力对亚裔和印度裔来说已经越来越弱了，尤其在西方社会的第二代、第三代身上，情况已经稳定多了。

But over time, this has become less and less true for Asians and Indians and now has more settled with some ethnicities, second and third generation particularly in western societies.

这些观念迟早会改变、被淘汰，但需要一些时间。

And over time these thoughts will change and become obsolete but it will take some time.

二十世纪遗留下来的历史事件，也加剧了这个问题。

The legacy and historical events which have happened in the twentieth century have not helped either.

在某些族群中，还有一个更突出的概念，叫‘模范少数族裔’。

The other concept which is more prominent among some ethnicities is called the model minority.

这个观念认为，少数族裔只要做个‘模范公民’，就能赢得尊重。

The concept is that minorities just need to be model citizens in order to be respected.

只要他们犯了一个错误，外界的关注和后果都会比多数群体公民严重得多。

And if they make any single mistake, the optics and the outcomes will be far more pronounced when compared to citizens who form the majority of the population.

第八点是个人安全风险。

Number eight is personal risk.

当你变得富有或收入很高时，除了法律风险，你的生命也可能面临威胁。

Now when you become wealthy or a high income earner, in addition to legal threats, there's literally your life could be in danger.

上世纪六十年代有个著名案例，一家中了彩票，八岁的男孩格雷厄姆·索恩被绑架并遭杀害。

There is a famous story in the nineteen sixties when a family won the lotto, and Graham Thorn, the eight year old boy, was kidnapped and subsequently murdered.

那孩子就是这家人的一员。

This was a boy of the family.

真是惨不忍睹的一连串悲剧。

Horrible chain of events.

那对父母当年中了十万美金，但那时候生活还很节俭。

The parents had just won a $100,000 back in the nineteen sixties and lived modestly at the time.

换算成今天的价值，差不多是三百万元。

For context, it's around $3,000,000 in today's currency.

那时候，澳大利亚习惯公布中奖者的姓名。

Back then, it was customary to publish the names of the lotto winners in Australia.

现在你可以选择匿名领奖。

Nowadays, you can remain anonymous.

说起来，上世纪六十年代，澳大利亚人根本不用锁门。

For the context, back in the nineteen sixties, people did not bother to lock their doors in Australia.

我记得九十年代初在阿德莱德长大时，整个城市都挺安全的。

In fact, I remember this in the early nineteen nineties in Adelaide when I was growing up as it was relatively safe across the city.

锁门反而显得很奇怪。

To lock the doors was unusual.

赎金是多少？

What was a ransom?

两万五千美元。

$25,000.

有钱人通常会花钱买安全，比如装监控、请保镖，甚至请私人贴身护卫。

Wealthy people often invest in their security, whether it's security cameras, security guards, or even personal bodyguards.

第九，人一旦富了，成就就变得没那么重要，人生目标也越来越模糊。

Number nine, achievements become less meaningful, and purpose becomes less and less as you become wealthy.

有些人确实是这样。

This is true for some people.

你可以这么想：

Think about it this way.

我当实习生的时候，要是投一千块赚了一万块，那简直是大获全胜。

When I was an intern, if I invested a thousand dollars and made $10,000, that's a massive win.

要是现在再做同样的事，根本算不上什么成就。

If I did the same today, it's not much of a win at all.

目标变得毫无意义了。

The purpose becomes meaningless.

现在的一万美元，对我而言已经不算什么了，但当年我还是住院医生的时候，那可是天大的数目。

$10,000 for me, luckily now, doesn't mean much, but it meant a lot when I was a junior doctor.

如果你已经靠努力实现了财务自由，那接下来还有什么值得追求的呢？

If you've achieved financial success and have worked hard for it, then what else is there to achieve?

如果你只盯着财富积累，这不仅是个问题，更是巨大的风险——因为你可能会失去人生的意义。

This is a problem and also the huge risk if you're only thinking about financial success is the purpose.

并不是这样。

It's not.

这一切到底是为了什么？这个问题变得非常真实。

What is the purpose of all of this becomes a valid question.

第十点，是道德层面。

Number 10 is morality.

也许该问一问。

Maybe a question.

你拥有这么多财富，而世界上一半的人还在为生计挣扎，这公平吗？

Is it moral for you to be this wealthy whilst 50% of the world are struggling?

你在澳大利亚拥有这么多财富，却知道全国一半的财富掌握在10%的人手里，这说得过去吗？

Is it moral for you to be this wealthy in Australia knowing that 50% of Australia's wealth is owned by 10% of the population?

比如，你可能会发现，很难拒绝别人的捐款请求。

You may find it very hard to say no to donations, for example.

如果你这么做了，那你整个存在的意义都会受到质疑。

And if you did, then your whole existence is brought into question.

有多少次，有人敲你的门，你知道你挺有钱的，住着高档小区的大房子，开好车，工作也体面，他们上门找你捐款，因为那些人确实很努力地在筹款。

How many times have people come knocking on your door and, you know, you're relatively wealthy, you live in a posh house in a posh suburb and drive a nice car and have a great job, And they come in and they ask you for money because, you know, these are people that work hard to get donations.

你心里总觉得不好拒绝。

You're kinda compelled to say yes.

如果你拒绝了，那种感觉真的很不舒服。

And if you say no, it kind of feels really bad.

你心里会感到内疚。

You feel guilt about it.

你有这么多钱，却还是拒绝了。

You have all this money, but you're still saying no.

你有没有过在购物时，收银员直接问你：‘您愿意捐点钱拯救地球吗？’

Have you ever gone shopping and point black, the cashier asks you, would you like to donate to this fund to save the planet?

就在那一瞬间，你随口就答应了。

And in that split second, you just give up and say, yeah.

当然。

Sure.

没关系。

No worries.

我感受到压力了，因为拒绝的话简直让人难为情。

I felt the pressure because it's almost embarrassing to say no.

我有这么多钱，怎么好意思拒绝呢？

How could I say no when I got so much money?

我有这么多钱和财富，拒绝了真的可以吗？

If I said no with my money and wealth, is that okay?

这样做对吗？

Is that the right thing to do?

我该怎么面对自己？

How can I live with myself?

我会不会被人觉得太自私？

Will I be considered selfish?

我会不会被人觉得讨厌？

Will I be considered obnoxious?

我会不会被别人评头论足？

Will I be judged?

这算不算不道德？

Is this immoral?

第11条，养孩子其实挺有挑战的。

Number 11 is raising kids can be a challenge.

如果孩子从小到大只见过富裕，你该怎么教他们理解金钱的价值、道德和人生的期望？

How can you teach the value of money and morals and expectations in life to your children if all they ever knew was wealth?

这对父母来说真的非常难，所以让孩子保持踏实很重要。

This can be very, very challenging for parents, so it's important to keep them grounded.

要学会说不。

Learn to say no.

不用非得办奢华的婚礼或生日派对。

It's okay not to have a lavish wedding or birthday party.

没必要非得办盛大的聚会。

It's okay not to have a lavish get together.

不住豪华酒店、不坐商务舱也没关系。

It's okay not to always stay in fancy hotels or find business class.

关键是让孩子明白，体验背后需要付出怎样的代价。

Ensuring you teach the value of experiences what it takes to pay them.

教孩子认识金钱的一个好办法，就是让他们去付账单。

The one good way to teach kids about money is ask them to pay the bills.

这样他们就能亲眼看到，为什么关灯、节约用水这么重要。

Then they'll visually understand why it's important to turn off the lights and keep water use to a minimum.

威尔·史密斯在他的自传里写过，当你穷困又沮丧时，会幻想变得富有。

Will Smith wrote in his biography, when you're poor and depressed, you can dream of becoming rich.

你总觉得，有钱了，所有烦恼就都会消失。

This means money will make your problems go away.

可后来他发现，自己真的有钱有名了，问题虽然变了，却依然存在。

Then he realized he became rich and famous, and the problems, albeit different, still remained.

摩根·豪塞尔也说过，赚更多的钱大概也没能救你的婚姻。

Morgan Housel also writes, gaining money probably didn't fix your marriage.

它也没让你的朋友更喜欢你。

It didn't make your friends like you more.

它也没让你觉得人生更充实。

It didn't make you feel more fulfilled.

所以，过去那种以为钱能解决一切的乐观想法，如今被现实取代了——钱其实有很多做不到的事。

So what used to be a comforting optimism about what money could do for you is replaced by the stark reality of what it can't.

德夫·拉加最后是怎么想的？

What's Dev Raga's final thoughts?

我现在赚的钱比刚起步时多多了。

I have more money now than I started off with.

我更喜欢现在的生活，还是当年当医学生时穷困的日子？

Do I prefer life now, a life before when I was poor as a med student?

当然，我现在的生活更让我满意。

Of course, I prefer life now.

更可能是因为现在我有钱了，可以和身边的人一起享受生活。

More likely because now I have money to enjoy it with people around me.

我有了更多的选择。

I have options.

但话说回来，我的目标并不是无休止地积累财富。

But having said this, my goal is not to endlessly accumulate wealth.

而是积累到足够为止，明白什么时候够了，然后继续过自己的生活。

It's to accumulate enough, know when is enough, and then move on with life.

我正在慢慢学会生活中其他的事情，不只是工作和投资。

I'm slowly learning other things in life, not just work and investments.

我现在不像以前那样为钱发愁了。

I don't worry about money now as I used to.

现在担心的事不一样了，有些问题要解决起来难得多，光靠钱是解决不了的。

Now are different worries, some are much more harder to fix, and money alone will not solve them.

我可以明确告诉你，那些说钱不重要的人，往往都是已经很有钱的人。

I can tell you right now, the people that say money isn't important are the same people who are already wealthy.

他们真正想表达的是，钱并不是生活中最重要的东西。

What they really mean is money is not the most important thing in life.

我同意。

And I agree.

那些说钱买不来幸福的人，其实意思是钱不是唯一能带来幸福的东西。

The people that say money does not buy happiness, what they really mean is money is not the only thing which buys happiness.

事实上，研究已经证明，钱越多，人通常越幸福。

In fact, it's been proven the more money you have, the happier you are.

但到了某个阶段之后，幸福感的提升就没那么明显了，不过还是在继续增加。

But the level of happiness doesn't increase substantially after a certain point, but it still increases.

随着你越来越富有，金钱和财富的边际效用会逐渐降低。

That is the utility of money and wealth diminishes as you become more and more richer and wealthier.

我以前做过一期关于效用理论的节目，那是我几年前最钟爱的几期之一。

And I've done an episode on Utility Theory, one of my favorite episodes that I've done some years ago now.

你算有钱人吗？

Are you wealthy?

你愿意匿名上节目，分享你遇到的困扰、挑战，或者成功和失败的经历吗？

Would you like to come on the podcast anonymously and share your concerns or your challenges or your wins or your losses that you faced?

欢迎随时联系我，也别忘了把这期节目分享给更多人。

Feel free to contact me or spread this podcast episode to everyone.

好了，这期节目就先说到这儿。

And remember, that's about it for this episode.

如果你喜欢这期节目，麻烦帮着传播一下。

If you like this episode, then spread the word.

请在苹果播客或者其他你用的平台给个五星评价，而且最好在所有平台都评一下。

Please give it a five star rating on Apple Podcast or whatever platform that you may be using, and please do it across all of the platforms.

那样就更好了。

That's even better.

那我们下期再见，我是德夫·拉加。

And until next time, my name's Dev Raga.

这里是德夫·拉加的个人理财。

This is Dev Raga Personal Finance.

请务必注意安全。

Please make sure you stay safe.

所有建议仅为一般性财务建议，未考虑您的个人目标、财务状况或需求。

Any advice is general financial advice only, which does not take into account your objectives, financial situation or needs.

因此，在采取任何行动前，请先评估这些建议是否适合您和您的具体情况。

Because of that, you should consider if the advice is appropriate to you and your needs before acting on the information.

如果您决定购买任何金融产品，请仔细阅读产品披露文件（PDS）和目标市场决定（TMD），并获取符合您需求的专业财务建议。

If you do choose to buy a financial product, read the product disclosure statement, PDS, and target market determination, TMD, and obtain appropriate financial advice tailored to your needs.

本播客的主持人是Money Sherpa PTY LTD的授权代表，该公司持有金融服务牌照451289。

The host of this podcast is an authorized representative of Money Sherpa PTY LTD, which holds financial services license 451289.

嘉宾在节目中表达的观点或评论仅代表他们个人，不代表主持人、出版方或其相关持牌方的意见。

Opinions or comments from any guest on the podcast are theirs, and not those of the host or the publisher or their respective license holders.

你能自己搭建一个ETF投资组合吗？

Can you DIY your own ETF portfolio?

当然可以。

Sure.

但如果你不想花时间再平衡、做研究、填报表，还为报税头疼，那就试试 Life Sherpa Invest 吧。

But unless you want to rebalance, research, report, and stress over tax time, there's Life Sherpa Invest.

你可以获得专业管理的投资组合、自动投资功能，还能接触到普通投资者很难接触到的基金产品。

You get professional portfolios, auto investing, and access to funds most retail investors can't get.

把繁琐的事务都扔一边吧。

Ditch the admin.

现在就从五千块开始投资吧，访问 lifesherpa.com.au/invest。

Invest from 5,000 today at lifesherpa.com.au/invest.