◇ 財務自由後提早退休的三大疑慮
What have you found to be the pros and cons of early retirement?
你發現提早退休的優缺點是什麼？
The pro is having my time, as you want to do whatever you want, but that's also the con.
優點是我掌握了自己的時間，你想做你任何你想做的事，但這也是缺點。
That's the exact same thing as the con, depending on who you are. If you're a very internally motivated person like me, and you just find things to do, you can be productive by pursuing your passions. It's great.
這也與缺點相同，取決於你是怎麼樣的人。如果你像我一樣是個非常有內在動力的人，然後你找到你想做的事，你可以通過你的激情來提高你的效率，這很棒。
You don't have to answer to anybody. You don't have to build things that have to make money.
你不用回答任何人問題，你不用創造任何收入來源。
Even though you could, you don't have to.
即便你可以，但你也不需要。
The money side is taken care of. You no longer have that draw, but that's also the con.
你的錢已可以妥善照顧你的人生，不再有吸引力。但那也是缺點。
The con is you have to fill your time with something.
缺點事你必須找事情填滿你的時間。
You no longer have that 09:00 to 05:00 job, that full-time work that consumes the majority of your time, quite frankly, the majority of your time.
你不再需要從九點工作到五點，那種佔滿你大部分時間的全職工作，坦白說，那是你大部分的時間。
So, you don't really have to think about filling your days except for Saturday and Sunday, but it's easy when you have a full-time job, right?
所以，你真的不需要去想那些除了週六週日外要怎麼填滿你的時間，因為很容易的被你的全職工作填滿，是吧？
Because everything just gonna get pushed off.
因為一切事情會被推遲。
"Oh! We'll do that over the weekend. We'll do that on Saturday. "
「歐，我們將會在周末做這些事，我們會在週六做。」
And so, you just naturally build your schedule.
然後，你自然的建立了自己的行程。
You build your time for the weekends when you can't really do much during the week.
當你在平日無法做太多的事情，可以在周末安排時間。
But when you can do anything you want during the week, that's gonna challenge for a lot of people drive a lot of social, I guess, benefits from working, your coworkers.
但你可以在平日任何事情時，對大部分的人來說它會是個社交挑戰。我想，那些原本來自工作的，來自你同事的社交。
You might go out to happy hours and do things with them.
你可能與他們共事時度過非常開心的時間。
So that's your social outlet in some cases.
所以在某些情況下，這就是你的社交管道。
When you no longer have coworkers, depending on where you live, you're just kind of home with your spouse and okay. If you don't have something to do, that might actually be a challenge.
當你不再有同事，這就會取決於你生活在哪。如果你只是與自己的配偶在家，那還可以。如果你沒有事情去做，這可能會是個挑戰。
This actually leads to my third con. It seems like I have more cons than pros here, but if you have a relationship problem or quite frankly, and problem, early retirement will very likely make it worse.
這事實上導致我的第三個缺點。看起來提前退休有的缺點比優點還多，但如果你有感情問題，提前退休可能會讓情況更糟。
And the reason is that you have more time to stew on that problem, especially if it's a relationship problem, spending more time around your spouse.
當你有更多的時間去浸泡在問題裡，如果那是感情問題，你會花上更拖時間圍繞在你的配偶身邊。
If there's something going on, it might not help. In fact, it might make it worse.
如果發生了什麼，那不會有任何幫助，那可能會讓事情變得更糟。
So you think for a lot of people, if you fall into that boat or you think that that might be a problem, that's gonna be something that you probably need to at least start working towards before you call it quits.
所以你想大部分的人，如果你陷入這些可能會發生的問題，你可能需要在退休前開始提前面對。
You don't have to have it all figured out. But if you think that early retirement is just gonna make things better, it magically makes things better, That you're just gonna turn into this happy person overnight, that's not the way this works.
你不必把一切都弄清楚。但如果你想想著要提前退休就會變得更好，事情會神奇的變得更好，你會一夜變成幸福的人，那這不會發生。
If you're an unhappy negative person before you retire, you're probably gonna be a negative, unhappy person after you retire because there's gonna be things that you find and you're just gonna make them negative.
如果退休前你是個不幸福的負面的人，你大概會在退休後還是個負面的、不幸福的人，你會發現些事，他們只會讓你變得更負面。
But if you're a happy person before, guess what?
但如果原本你是個快樂的人，猜猜如何？
You're absolutely gonna be happy. The goal is happier after you retire.
你絕對會是個幸福快樂的人。目標會是退休後變得更快樂。
◆ 錢不會讓你變得更快樂
生活必須要有錢，但那滿足最基本需求的錢其實是有個平均水平的，如果兩三萬就夠大家的生活，那麼兩三萬的退休金就夠讓你我自己退休衣食無憂。那如果是一個月二三十萬，兩三百萬源源不絕的金流呢？不用工作不用努力那種。
會變得更開心嗎？一天花一萬還是一天花十萬才能把幾乎按月配給的金流給花完，一開始會很爽，但花不完的，如果到那個程度的話我們的幸福感會被麻痺。這很凡爾賽，但未來我們確實會到那一刻，退休的那一刻會達成我們錢花不用怕的階段，花不完多出來還會浪費的階段，這時這些錢真的會麻痺我們的幸福感，然後呢？我們該做什麼？
Steve Adcock 對於想在追求財富自由後退休的人說的是，我們不該以退休為目標，要思考的是，在我們解開任何人生束縛後，我們想要做什麼。
＜＜上一篇：史蒂夫‧阿德考克 Steve Adcock－財務自由就退休？要先知道自己退休後要做什麼。
下一篇：蓋瑞‧米蘇里斯 Gary Mishuris－不要專注在短期收益上＞＞
