On Budgets Are Sexy, 80-year-old retired dentist Larry opened up about his career, his experience, and his money. Below, he's shared seven pieces of financial advice he's learned over eight decades of life.

　　在《预算很迷人》一书中，一位80岁的退休牙医Larry公开透露了他的职业观，个人经验以及他的金钱观。接下来，他为大家分享了7条他在过去80年里领悟到的理财建议。

　　1. Become familiar with the ‘future value of a dollar.’

　　1. 充分理解“一块钱的未来值”

　　Based on that, start funding your path to Economic Freedom to the maximum — NOW. Plan on kids’education and start funding that — NOW. That may cut into your discretionary spending, so you may need some sort of side hustle but it WILL be worth it.

　　以此为基础，开始为你的职业道路投资，通往经济自由的最大化——从现在开始!好好计划你的孩子的教育基金——从现在开始!这样做可能会减少你的可支配开支，因此你可能需要一点侧推力，不过这真的非常值得!

　　2. Look at all the pros and cons before deciding where you want to live — utopia does not exist.

　　2. 综合考虑理想居住地的优缺点——因为乌托邦并不存在。

　　I know, I looked for it in Southern California, in Maine, in North Carolina, in Texas, in South Carolina, and in Florida. Built a house in each of those locations, and currently in my fifth or sixth house in central Florida. I cannot believe the money I wasted spent moving around the country. It was fun living in the different areas, but very costly.

　　我知道，我已经在加州南部，缅因州，北卡罗莱纳州，德克萨斯州，南卡罗来纳州，还有佛罗里达州都考查过了。在这些地区里都建了一幢房子，如今在中部佛罗里达州建了我的第五、六幢了。我无法相信我浪费掉的金钱就花在了搬家上。虽然在不同地区居住是一件很有趣的事情，但是费用非常昂贵。

　　Work is becoming less geographically dependent. Find a place where you can live with the trade offs — rent for a while and make sure you love it and then settle there.

　　如今，工作与地区的关系已经不太密切了。所以你可以找一个远离工作的地方居住，租住一段时间，确保你喜欢那里，然后就在那里定居。

　　3. Try to find a job you really enjoy doing.

　　3. 找一份你真正喜欢的职业。

　　Do side hustles if necessary to supplement your income, but make your primary occupation something you like to do.

　　如果有必要可以做一些兼职填补工资的不足，但是你要确保你的首要职业是你所喜欢的。

　　4. Figure out what you are going to do for the next 40 years if you achieve ‘Economic Independence’ early!

　　4. 好好想想，接下来的40年你想干什么，如果你可以提早获得“经济独立”!

　　I read a lot about “giving up Starbucks and retiring at age 35 with the money you save” type of stuff. But let’s say you are able financially to retire at age 40. What are you going to do with your life for the next 40 years? I would highly suggest that you live a bit as you strive for economic independence. How about — “Yea, I don’t have to go to work anymore BUT I WANT TO.” That way you continue to do something you love, but also make money without the stress.

　　我已经读过很多“放弃星巴克，在35岁拿着攒到的钱退休”此类的话。这样吧，我们就假设你在40岁已经有经济条件退休了。那么你接下来的40年将会做些什么事情?我非常建议你在追求经济独立后再工作一阵子。比如，“耶，我不必再工作了，但是我还想做!”这样的话，你可以继续做着你喜欢的事情，也可以在毫无压力的情况下赚钱。

　　5. Seriously prepare for the future, but also LIVE each day.

　　5. 认真为将来规划，但也要过好每一天。

　　Want the thrill of driving a NASCAR race car, DO IT! I did!! Want to fly in an antique biplane — DO IT!

　　想要体验赛车的激动?去吧，我也体验过了!你想驾驶一家古董双翼飞机?去呀!

　　6. Develop some type of passive income.

　　6. 培养被动收益。

　　Real estate, e-books or something that does not require your constant involvement. One can make decent living professionally, but most occupations require that you be there. In my case, if I was not there, there was no income but all the expenses continued. Develop some type of passive income whether it is real estate, or some other source of income. This will do two things: give you some inflation adjusted income, and take some of the pressure off the “required performance” of your assets.

　　房地产，电子书籍或某些不需要长期关注的事情。它们能够让体面的生活更专业，但是大多数的职业都需要你到岗。就我本人而言，如果我不到岗，我不仅没有收入，支出还越来越多。所以不如培养某种被动收益，无论是房地产还是其他收入来源。这样做可以达到两个目的：为你带来固定收入以外的收入，还能免除某些资产的“到岗表现”。

　　7. When you are young, you can be much more aggressive in your investmentsbecause you have time to recoup any losses from a downturn.

　　7. 在你年轻的时候，你会对自己的投资充满雄心壮志，因为你有时间在低迷的情况中赔偿损失。

　　Stay in the market during a downturn. You really lose out when it recovers if you are sitting on the sidelines.

　　在经济低迷的事情要逗留在市场里。因为当它恢复过来的时候，如果你正处于观望的位置，你就真的损失惨重了。

（编辑：何莹莹）