我现在终于买上了IPad Pro，最近，在我学习的时间，我总喜欢打开Ipad听些音乐。但几周前，我一直在为是否要买而苦苦思索，因为我的研究室里有两台电脑，一个手提式电脑。但花了这么长时间考虑，从时间成本来说，实在是太不合算。现在我觉得很是满足。这个生活中小小的插曲，让我想到了Ramit Sethi。
Ramit Sethi是《纽约时报》畅销书《我会教你致富》的作者，他主要教别人转换思维，学习花钱和赚钱。以下内容是他和Tim 在谈话时的一些截取片段：
Tim: Mr. Sethi, not mine. However, let’s come to the questions. What types of questions, what are some specific questions you like to ask or that people can ask each other, or in the context of a therapy session that they might use that you found useful?
Ramit Sethi: First question I always start with is, “In the last 30 days, can you think of a specific situation where you were not on the same page financially with your partner?”
the next question I ask, as I get into it, I’ll ask them, “What is your rich life?” Now, this is a concept that I’ve been talking about for about 15, 20 years on my site, and that is the idea that you don’t have to cut back on lattes, life isn’t about competing, who can be more frugal, there’s more to life than optimizing cell C3 of your spreadsheet, but I want to hear people talk about what their rich life is. I had a young woman whose rich life was, “I want to shop at Whole Foods without counting the prices of whatever I buy.” Okay, that’s fine if you’re just starting out, maybe you’re in $25,000 of debt. She was professionally extremely successful, so with that, I kind of push her. I say, “Okay, let’s say you could do that tomorrow. How much would your shopping cart cost?”
She said, “Ah, like $100.”
I said, “Push it. Get something really nice.”
“$150?”
I said, “You make X hundred thousand dollars a year. Let’s dream a little bigger,”
---
Tim Ferriss: Yeah. Let’s come back to rich life. When you ask someone about their rich life, what their rich life looks like。 What would be your answer? How would you personally answer that?
让我们回到富裕生活这一主题。当你问他们富裕生活是什么样的，请你给我们再举了个例子， 对于这个问题，你个人会如何回答？
Ramit Sethi: I would say that I want to travel for six to eight weeks, six weeks consecutively at the end of the year. When I fly, I want to fly in this exact airline seat, and when I travel, I want to stay at these three different hotels, and I want to bring one or more family members with me when I travel, and cost is not the first, second, or third issue when I take these trips. That’s an example. Another example would be I don’t want to start working until 10:00 a.m. every day. That could be an example.
第一是旅行，我希望能够连续旅行6周，而在旅行途中，我想住在三个不同的酒店，同时还带上家人。这些旅行费用，不应该是我考虑的范围，这是一个例子。
另一个例子是我不想在上午 10:00 之前开始工作。
So here’s the challenge. In the next 48 hours, I want you to spend $100 on something you love. You cannot spend it on kids, you cannot spend it on pets, and you cannot spend it on charities. It has to be on you
I think the developing competency and comfort with translating dollars into value, whether that is through investing or spending, which is oftentimes another type of investing, I think is a skill that you develop. I don’t think anyone has it innately.
在接下来的 48 小时内，我希望你花 100 美元去买你喜欢的东西。 但你不能把它花在孩子身上，也不能把它花在宠物身上，更不需要花在慈善事业上。 很简单，你就是把这些钱花在你自己身上。如果你觉得100美元太少的话，可以调整为500美元或者5000美元。
没有人天生知道怎么花钱，现在的媒体总是教我们怎么存钱，却不教我们怎么花钱。钱如果不花，就跟纸没什么区别，就像黄金如果不用，其实也跟石头没什么两样。只有花起来，转化为花花绿绿的某种东西，那么这就是一种类型的投资，也是很多人需要学习的能力。
到了中年，如果您已经储蓄和/或投资了一段时间，我相信你肯定已经拥有了一定数量的资金，该是时候想想怎么智慧地用钱了。我们中的大多数人一生都只专注于储蓄。 我母亲，今年82岁了，一名退休的老师，她常不舍得花钱，有时候为节省一丁点儿的出租车费，也会从姐姐家走着回去。
下面是我的金钱价值观：
1. 手头上留有一年的应急现金。
2. 我爱好旅游，因此旅游时，钱不是我需要考虑的问题。
3. 将月工资的15%存入银行，15%投入股票。
4. 不管花多少在食品、健康以及孩子教育费用，永不质疑。
