Becoming Warren Buffett 山寨巴菲特

巴菲特在2012年4月的時(shí)候接受過(guò)一次采訪视搏，其中提到了他曾經(jīng)在25歲時(shí)如何思考自己的人生伐脖。 他談到每天早上乘火車去曼哈頓為恩師本·格雷厄姆工作的經(jīng)歷蛾默，退休計(jì)劃（因?yàn)樗嘈潘梢砸揽客顿Y收益度過(guò)余生），以及他如何開(kāi)始他的第一個(gè)投資合伙公司沃但。 作為沃倫巴菲特的忠實(shí)粉絲，我也有想要山寨的沖動(dòng)育韩。 我也在為我欽佩的人工作，大概在27歲又2/3歲的時(shí)候闺鲸，我也以為我可以靠投資收益度過(guò)余生筋讨。 唯一缺少的一步是寫一份關(guān)于 25 歲的備忘錄，但是……我拖延了翠拣，直到三年后的今天版仔。 所以，很遺憾误墓，這個(gè)備忘錄是我的25又3歲獨(dú)白

Warren Buffett took an interview in 2012 April, to explain respectively, about how he was thinking about his life at age 25 . He talked about taking a train to Manhattan every morning and working for Ben Graham, retirement plan because he believed that he could rely on the investment income and how he started his first investment partnership. As a big fan boy of Warren Buffett, I naturally want to replicate. I have been working for people who I admire without negotiating salary. At about the age of 27 and 2/3, I also thought that I just rely on investment income and retire as well. One thing missing writing a memo regarding age 25, so I have been planning to do the same and write an essay about mine. But… I procrastinated and have not written any single words until three years later. Therefore, unfortunately this title have to be “when I was 28, just 3 years late”

我已經(jīng)有很長(zhǎng)時(shí)間沒(méi)有寫過(guò)任何形式的備忘錄了蛮粮。我可以找理由說(shuō)我很忙，但我覺(jué)得我正是這種忙碌時(shí)刻谜慌，應(yīng)該花更多的時(shí)間與自己的本心相處然想。忙碌的時(shí)候很容易被生活中的細(xì)枝末節(jié)而分心，而了更大方向上的行動(dòng)的意義欣范。

Dear Richard, It’s been a while I haven’t had a conversation with you. I would say I have been busy, but I feel like the busier I am, the more I should spend more time having more introspective conversation with myself. It is really easy to be caught up by nitty gritty in life while forgetting about the bigger mission.

當(dāng)面臨挑戰(zhàn)或問(wèn)題時(shí)变泄，我總是發(fā)現(xiàn)與短期前景相比令哟，擁有長(zhǎng)遠(yuǎn)的眼光會(huì)做出更有價(jià)值的判斷。很多看來(lái)非常令人害怕或者令人煩惱的問(wèn)題妨蛹，在一個(gè)更長(zhǎng)的時(shí)間跨度上來(lái)看就變得沒(méi)那么可怕了蛙卤。我經(jīng)常陷入的陷阱之一是我過(guò)于關(guān)注短期颤难，而忘記了許多決定的長(zhǎng)期意義。

When faced a challenge or an issue, I always find that having a long-term view is more productive compares to a short-term prospect. One of the pitfalls I frequently run into is that I focused too much on the short term. And sometimes it can be really detrimental that I forgot about all the long-term significance of many decisions.

我發(fā)現(xiàn)自己經(jīng)常做的另一件事是過(guò)分關(guān)注我做錯(cuò)的事情已日。反芻錯(cuò)誤是值得的飘千。 但有時(shí)我發(fā)現(xiàn)自己把它們放在回憶的顯微鏡下太久占婉。過(guò)度關(guān)注錯(cuò)誤會(huì)以為自己實(shí)際上無(wú)力去改變，忘記了自己在當(dāng)下和未來(lái)實(shí)際是你可以做的事情酌予。這讓我想起沃倫巴菲特曾經(jīng)說(shuō)過(guò)的一個(gè)經(jīng)驗(yàn)：我們不應(yīng)該過(guò)度糾結(jié)于遺憾抛虫，因?yàn)槟阏娴臒o(wú)法回去解決任何問(wèn)題建椰。時(shí)間帶著我們向前生活棉姐，我們應(yīng)該考慮一下將來(lái)應(yīng)該怎么做。

Another thing I find myself doing constantly is focusing too much on the things I have been done wrong. Regurgitating mistakes is a valuable action. But sometimes I find myself putting them under my microscope too much. With such an obsession, I indulge myself in this passive sentiment and really can’t let go. It reminds me an idea Warren Buffett once explain that we shouldn’t dwell on the regrets, because you really can’t go back and fix anything. We live our life forward and you should think about what you can do in the future.

最近我與一些我非常欽佩的前輩交談過(guò)笛洛，咨詢過(guò)他們對(duì)未來(lái)的看法和建議苛让。一個(gè)他們共同的反饋的是狱杰，我值得認(rèn)真花時(shí)間去思考自己最內(nèi)心的想法和目標(biāo)。

I have talked to a couple of people who I really admire, asking for guidance and comments for my view in future. One of the responses they share is that I need to figure it out myself what I really want to do with my life from this point forward.

所以在這里食棕，我會(huì)說(shuō)說(shuō)我的決定和目標(biāo)宣蠕，以及我過(guò)去為什么做了一些事情抢蚀。

So here I am, I’m going to talk about my decisions and goals and why I’ve been doing what I’ve been doing.

Change the world and the first 100k 改變世界vs十萬(wàn)美金

我的理解是一但我能夠達(dá)到了不需要花太多時(shí)間擔(dān)心溫飽問(wèn)題的狀態(tài)時(shí)皿曲，就值得去開(kāi)始一步步的思考自己的社會(huì)責(zé)任感屋休。哪怕只是因?yàn)樽约毫α亢苄≈荒軓狞c(diǎn)滴開(kāi)始备韧。即使如此织堂，至少先從做好自己開(kāi)始（比如不給社會(huì)添亂這種最低標(biāo)準(zhǔn)）易阳，隨著自己能做到的事情越來(lái)越多潦俺，一步步更加深入的去考慮自己能給周圍的人帶來(lái)什么更加積極意義和影響。

I genuinely believe that I have a social responsibility to contribute to society rather than just sleepwalk through life. I have the privilege to be in a situation that I don’t need to have an immediate obligation and need to worry about or to worry about living paycheck by paycheck. Even if your power is initially very limited, you can still start walking on this path by being having agreeable personality. Then after your impact gets bigger you can start to offer positive impact to others

任何想對(duì)這個(gè)世界產(chǎn)生影響（即使只是一點(diǎn)點(diǎn)）的想法都看起來(lái)是癡人說(shuō)夢(mèng)。如果將計(jì)劃的時(shí)間期限不斷拉長(zhǎng)至未來(lái)20~40年扎酷，我最想努力的方向是太空旅行和生物科技遏匆，目的是去解決地球上有限資源的問(wèn)題和人類的長(zhǎng)壽問(wèn)題。這些想法非常脫離現(xiàn)實(shí)窃植，對(duì)于我這樣的沒(méi)有資源的年輕人來(lái)說(shuō)更是荒唐巷怜。拋開(kāi)成功率不談延塑，它們是資金关带、精力和時(shí)間的無(wú)底洞宋雏。我不相信我現(xiàn)在可以解決這些問(wèn)題务豺。

Having of an goal of making impact to the world (even just a little bit) can appear to be blue sky thinking on the surface. And it does look like that. I’ve been talking a great deal about space travel and genetic engineering, solving problems of limited limited resources on earth and the longevity problems of human race. These ideas are so out of touch of ordinary people and are even more ridiculous for a youngster like me. I clearly cannot solve these problems right now, they are bottomless sink for capital, energy, and time. I will be out of mind believing I can tackle these problems now.

面對(duì)龐大的任務(wù)和目標(biāo)蚪燕，我的想法是將其分解為無(wú)窮小的步驟邻薯，以便它們變得更加有可能完成。 比如：有一篇很長(zhǎng)的報(bào)告要讀营勤？ 先從第一段開(kāi)始葛作。 要做一個(gè)很長(zhǎng)的幻燈片赂蠢？先完成封面辨泳。 不想鍛煉难菌？ 那先就做一組俯臥撐郊酒。通常燎窘，第一步完成以后褐健，我會(huì)發(fā)現(xiàn)自己有了一些動(dòng)力，可以一步步完成剩下的部分慢叨。 如果沒(méi)有务蝠，那就休息一下馏段，稍后再試一次院喜。

My idea is to break it down into infinitesimal steps, so they become actionable. When in doubt, always break them down into tiny goals that sometimes seems hilarious easy. Very long essay to read? Read the first paragraph. Very lengthy PowerPoint slide to make? Finish the cover. Don’t want to work out? Lift this dumbbell just for once. Usually the momentum will build up and everything will start moving. If not, take a short break and try again.

回到太空旅行這個(gè)例子砍濒。 如果我現(xiàn)在要?jiǎng)?chuàng)建一家太空旅行公司爸邢，那顯然是可笑的杠河。 在最初的 10 年內(nèi)券敌，SpaceX 從 2002 年到 2012 年花費(fèi)了大約 10 億美元颈走。 如果你不知道這是什么意思立由，這意味著需要很多很多錢序厉。即使是馬斯克在創(chuàng)立SpaceX的時(shí)候也沒(méi)有那么多錢可以揮霍锐膜。在這10年之間弛房，他親自投資了1億美金，并在公司的后來(lái)經(jīng)營(yíng)不斷的籌集了剩余的資金荷逞。不過(guò)，馬斯克仍然是自己能夠拿出1個(gè)億坠敷。這對(duì)于絕大多數(shù)人來(lái)說(shuō)依然是一個(gè)非常夸張的數(shù)字。 幸運(yùn)的是卖漫，馬斯克也不是手里拿著銀行卡出生的乎串，他也必須自己一步步賺這些錢叹誉。

Back to the space travel. if I want to create a space travel company now it is obviously laughable. Within its first 10 years, SpaceX spend about 1 billion from 2002 to 2012 . That’s a lot of money if you do know. Even Elon Musk didn’t have that kind of money laying around to squander. He personally invested 100 million and raise the remaining capital on the go. Still 100 million is, not the kind of money siting in the bank account for overwhelming majority of people. Fortunately, Elon Musk wasn’t born with that money either, he had to earn those money somewhere.

一個(gè)億的目標(biāo)顯然還是太龐大了，相對(duì)而言钝侠，完成第一個(gè)一千萬(wàn)是一個(gè)相對(duì)實(shí)際的想法（我這里用了“相對(duì)實(shí)際”這個(gè)詞）啃勉。 有了第一個(gè)萬(wàn)叮阅，你可以通過(guò)投資、運(yùn)營(yíng)一家公司或任何其他可能的資本行為滾雪球及刻，最終完成一個(gè)億。美國(guó)人喜歡說(shuō)的一句諺語(yǔ)是：賺大錢是需要花錢的。 或者，引用企業(yè)家埃德加·布朗夫曼過(guò)的一句話：“把 100 美元變成 110 美元是辛勤勞動(dòng)。 將 1 億變成 1.1 億美元是順其自然貌嫡。”

To further break under 100 million you probably need to focus on getting 10 million first. With 10 million, you can invest, build your company, or any other activity that can potential get them into 100 million. You need money to make money. Edgar Bronfman said that: “To turn 110 is work. To turn 100 million into $110 million is inevitable.”

盡管如此，一千萬(wàn)依然不是大風(fēng)刮下來(lái)的扰付，這依然不是一個(gè)能夠短期能夠快速實(shí)現(xiàn)的目標(biāo)陪竿。那就進(jìn)一步進(jìn)行拆分闰挡。如果想要得到第一個(gè)千萬(wàn)那就應(yīng)該從第一個(gè)百萬(wàn)開(kāi)始桐绒。還是太多了咧叭？那就先從第一個(gè)十萬(wàn)開(kāi)始派撕。這個(gè)目標(biāo)在現(xiàn)階段而言是很合理的镀赌。

10 million is still to much, so what I need to do? To further break it down into a 1 million goal. Granted, 1 million is still not the kind of money to joke about, so I have to further break it down into a 100k goal. At this point, this goal is a much more reasonable goal to hit.

On crisis, why am I scared? 危機(jī)和恐懼

很多擔(dān)憂來(lái)自不確定性。 正如我的一位朋友為我指出的那樣穴肘，如果我絕對(duì)確定我遇到了無(wú)法回避的問(wèn)題，我會(huì)毫不猶豫地對(duì)待這種情況。正所謂氮惯，當(dāng)你有兩個(gè)選項(xiàng)的時(shí)候杨箭，你有兩個(gè)選擇，但是當(dāng)你只有一個(gè)選項(xiàng)的時(shí)候稻艰，你實(shí)際上并不存在選擇。坐在原地?fù)?dān)心并不能解決問(wèn)題，應(yīng)該做的是验懊，四處打探和摸索尋找突破點(diǎn)召烂，然后從阻力最小的地方開(kāi)始。

A lot of worrying comes from uncertainty, I believe. As one of my friend pointed out for me, if there is an absolute certainty that I’m in deep trouble, I will not hesitate about the situation because I know that I need to face whatever it throw at me, period. When you have 2 choices, you have 2 options, but when you have only 1 choice, you have no option but to take it. If there is a certain disaster or an imminent challenge, I have no choice but to work on it. It makes a little sense to sit there and worry, instead of poking around here and there just to see if anything works and start with the least resistance.

事實(shí)上麻削，我沒(méi)有什么可失去的竖共。比起其他客觀上無(wú)法承擔(dān)風(fēng)險(xiǎn)的人，我可以靈活的調(diào)整，并且在必要時(shí)全力以赴吐葱。

In fact, I have very little to lose. Surprise, right? Compared to some others who are at old age or have too much obligations to take care of, I’m more flexible and willing to take the dive if necessary.

自我懷疑是自我實(shí)現(xiàn)預(yù)言孟辑。 沒(méi)有充分投入的人不會(huì)充分利用其潛力，也因此不會(huì)得到最想要的結(jié)果指么。 無(wú)論自己的實(shí)際能力如何，對(duì)自己產(chǎn)生的最深刻的懷疑始終是正確的悍及。

Self-doubting is a self-fulfilling prophecy. A person without fully invested motivations is not going to take full advantage of its potential. And that translates to a more mediocre result. Thus, eventually your doubt is always true, no matter what your potential actually is.

如果經(jīng)過(guò)認(rèn)真的嘗試缨叫，結(jié)果依然不是您希望的那樣琐簇？ 實(shí)際上丈秩，絕大部分時(shí)刻，事情都不會(huì)按照您預(yù)計(jì)或者希望的方式進(jìn)行塑顺。 但是，全力投入的努力仍然會(huì)產(chǎn)生有意義的結(jié)果裤唠。 “瞄準(zhǔn)月球挤牛。 如果你錯(cuò)過(guò)了，你可能會(huì)撞到一顆星星”

What if after serious attempt, the result is not the way you hoped? Of course, way too many times that things are not going to work out the way that you want it to be or intended to be. But a fully invested effort is still going to yield meaningful result. “Aim for the moon. If you miss, you may hit a star”

關(guān)于不安和危機(jī)感這個(gè)話題可能值得多談一談种蘸。我認(rèn)為這種情緒的來(lái)源之一是害怕錯(cuò)過(guò)墓赴。 如果放棄了一個(gè)更加躺平和安穩(wěn)的選項(xiàng)，結(jié)果我因此得到了更糟糕的結(jié)果怎么辦航瞭？覺(jué)得太復(fù)雜或者太不確定寧愿放棄所有嘗試诫硕，因?yàn)楹ε率≈鲃?dòng)放棄所有喜歡做的事情和人，雖然不會(huì)更加開(kāi)心刊侯，但是也不會(huì)更加難過(guò)章办？

It probably worth explaining a little bit more on my fears. Why am I worried. I think one of the sources of the sentiment is the fear of missing out. What if I take the safe options that is going to produce a predictable result? What if I take a bet, and I end up in a situation that can be worse than playing it safe?

有可能

It can be.

然而，躺平策略并不是最佳選擇

直到今天滨彻，我從來(lái)沒(méi)有遇到過(guò)我最害怕的結(jié)果
如果不是我喜歡做或幾乎不惜一切代價(jià)愿意做的事情纲菌，我不會(huì)達(dá)到最好的結(jié)果
我常常會(huì)花上數(shù)年，甚至數(shù)十年去后悔以前未選擇當(dāng)初最想做的事情（我甚至還沒(méi)30歲）
However, it seems not optimal to take the safe bet

History prove that I never really get to see the worse outcome
If it is not I enjoy doing or willing to do with almost no matter the cost, I’m unlikely to do it very well
Regret is a very strong sentiment, I spent too much time thinking I should have taken the most exciting option. Even after more than a decade, I still regret not doing something back in the days (I’m still in my late 20s).

我的大部分擔(dān)憂都可以歸結(jié)為對(duì)失敗的恐懼疮绷。曾經(jīng)數(shù)次我確信自己已經(jīng)走投無(wú)路翰舌，然而我依然一次次走出來(lái)了。我不應(yīng)該害怕危機(jī)冬骚，每一次度過(guò)將意味著下一次不再那么可怕椅贱。上一次我平安度過(guò)了，下一次我相信我也可以只冻。

Most of my worries can be summarized into a fear of failing, I assume. Many times I consider myself seriously doomed, yet I outlasted each of my crises. Ending up in a crisis is not the end of the day. The more crises I encounter, the less scary the next one become. I made it worked last time, I’m sure I can make it work this time.

Fear of rejection and missing out 害怕錯(cuò)過(guò)

對(duì)于重要的是事情常常害怕失敗和拒絕庇麦。反而可能會(huì)對(duì)一些原本重要的事情而選擇放棄。這種反應(yīng)顯然是非理性的喜德。盡管如此山橄，其實(shí)如果仔細(xì)回想起來(lái)，比行為更讓我后悔的是錯(cuò)過(guò)舍悯。不作為帶來(lái)的只能是失敗航棱。

The fear of rejection is one thing that stop you from asking for anything that can be important to you. As such I might give up something that would have been extremely important. Such a line of reason is clearly irrational. Even though, now come to think about it, have I ever regretted anything that I’ve done ambitiously? No, I think I spent too much time regretting thing I haven’t done (that’s a revelation that sudden dawn upon me). it is the error of omission rather than commission that bug me the most. I think it’s part of human nature to fear failure to a point to not do anything at all although it equates a guaranteed failure.

害怕錯(cuò)過(guò)和同輩壓力睡雇，可能是導(dǎo)致錯(cuò)過(guò)恐懼的因素。 我也會(huì)忍不住將其他人的進(jìn)步與職業(yè)饮醇、金錢收益它抱、其他一些物質(zhì)目標(biāo)或某種頭銜進(jìn)行比較。但是每個(gè)人都是如此的不同朴艰，最重要的是為自己最在意的那些去努力观蓄。

The fear of missing out, or peer pressure assume, can be another factor that contributes to some of the fear. It’s tempting to compare others progress be a career, monetary gain, some other materialistic goals, or some sort of title. However, everyone lives their life very different, it is very important to work on what matters the most

Find your tribe 圈子

圈子代表了志同道合、有正能量祠墅、和自己有共同語(yǔ)言侮穿、或者是附帶了自己喜歡的人格特性的人。優(yōu)良的品質(zhì)是有傳染力的毁嗦。我認(rèn)為沃倫巴菲特的建議是為你欽佩的人工作是一個(gè)非常棒的策略亲茅。

Speaking the circle of friends, it seems a good idea to associate yourself with like-minded and energetic people, with quality that you admire. Good quality is contagious. It appears that the average of your best friends defines who you are likely to be. It is lonely to go all by yourself. The support system from friends is amazing. I think Warren Buffett advice of working for someone who you admire is a very strong strategy.

What I love doing 熱愛(ài)

你最喜歡的工作是什么？ 這似乎是是最簡(jiǎn)答又是最難回答的問(wèn)題金矛。容易是因?yàn)榇鸢赴蠢韥?lái)說(shuō)應(yīng)該能夠自然浮現(xiàn)在你腦海。你很少會(huì)聽(tīng)說(shuō)誰(shuí)會(huì)回答不上他/她最喜歡的食物或顏色勺届。 然而驶俊，這似乎也是一個(gè)難題，因?yàn)楹艽笠徊糠秩嗣庾耍鲇诟鞣N各樣的考慮饼酿，從事他們不一定喜歡的工作。更甚至胚膊，有些人甚至不知道他們最喜歡的工作是什么故俐。 他們正在從事的工作很可能只是機(jī)會(huì)碰巧在當(dāng)時(shí)出現(xiàn)。

What is your favorite work you want to do? It seems like a simultaneously the easiest and the hardest question to answer. It seems easy, because it should come naturally to you, or it appears. It is virtually unseen if someone struggle to name his/her favorite food or color. However, it also seems like a hard question because a large portion of people is taking jobs that they don’t necessarily like. Some yet even struggle to find an answer to what is their favorite job. Most likely the job they are working on was something that just happen to show up for them to take.

甚至有人認(rèn)為工作是不會(huì)有樂(lè)趣的紊婉。 將愛(ài)好變成工作是徒勞的药版，因?yàn)闊o(wú)論如何你都很可能很快就會(huì)討厭它。

It is even widely agreed that work is supposed to be boring. Turning a hobby into work is a fruitless attempt because you will likely hate it anyway very fast.

我發(fā)現(xiàn)我自己其實(shí)非常喜歡幫一位投資人做盡職調(diào)查喻犁。哪怕已經(jīng)快3個(gè)月了槽片，我發(fā)現(xiàn)我依然很喜歡做這件事情。

I find myself overwhelmingly enjoy helping an investor working on some due diligence research on companies and people she invested. Even after months has passed, I still find myself liking the work.

評(píng)估投資機(jī)會(huì)意味著每一次任務(wù)都是不一樣的肢础。今天可能是評(píng)估一個(gè)生產(chǎn)高端設(shè)備的公司还栓，明天可能是評(píng)估一個(gè)跟頭的投資機(jī)構(gòu)的背景。這是一個(gè)在短時(shí)間內(nèi)持續(xù)不斷的學(xué)習(xí)過(guò)程传轰。我需要學(xué)會(huì)怎么樣通過(guò)使用政府?dāng)?shù)據(jù)剩盒，行業(yè)報(bào)告，股市數(shù)據(jù)以及和一些業(yè)內(nèi)人士溝通來(lái)收集信息慨蛙。

Evaluation investment opportunity means every task is different. Today it may be a research regarding a company making high end products. The next one is some research about an institution investor. It is a continuous process of learning a variety of things very fast in a short burst of time. I have to learn to evaluate the attractiveness of investment opportunities using government data, industry report, data from the stock market, talking to some people working in the field.

談到癡迷辽聊，比爾·蓋茨說(shuō)：“你在 13 到 18 歲之間癡迷的事情纪挎，那是你最有可能成為世界一流的技能∩硪” 13到18歲的涵蓋了整個(gè)中學(xué)廷区。考慮到這段時(shí)間我最喜歡東西贾铝，我首先想到的是DIY隙轻。我做了很多莫名奇怪小玩意。 大多數(shù)我不記得了垢揩，但我記得其中一個(gè)是風(fēng)力的電動(dòng)汽車和鋼鐵俠方舟反應(yīng)堆的自制模型玖绿。那個(gè)模型花了我用了將近一年半的時(shí)間才完成。

Talking about obsession, Bill Gates said : “The thing you do obsessively between age 13 and 18, that’s the thing you have the most chance of being world-class at.” For the record, the time frame encompass the entirety of the middle school. The first thing that comes to mind is making stuff. I make a lot of tiny gimmicks and gadgets. Most of them I don’t remember, but I remember some of them are tiny electric cars and a replica of Iron Man Arc Reactor. The replica took me almost one and half year to finish.

由于我對(duì) DIY 和手工的熱愛(ài)叁巨，我甚至考慮過(guò)從大學(xué)的時(shí)候?qū)W習(xí)電氣工程或機(jī)械工程斑匪。（我懷疑鋼鐵俠那部電影也對(duì)我有些影響）話說(shuō)過(guò)來(lái)，如果我真的大學(xué)專業(yè)學(xué)了機(jī)械工程锋勺，那么可能我現(xiàn)在的人生都會(huì)完全不一樣蚀瘸。

Due to my love for DIY and building things, I even consider studying electrical engineering or mechanical engineering from my university major (the movie Iron Man probably had some significant influence). Now I kind of think about it, my life could have been entirely different if I do so.

另一種腦洞的情景是，我大學(xué)選專業(yè)的時(shí)候庶橱，曾經(jīng)也認(rèn)真考慮過(guò)計(jì)算機(jī)科學(xué)贮勃，這也是和金融完全不同的領(lǐng)域。假如我學(xué)了計(jì)算機(jī)苏章，那么可能我未來(lái)又會(huì)是一條不同的路子寂嘉。如果即使是創(chuàng)業(yè)的話，我可能會(huì)選擇做互聯(lián)網(wǎng)服務(wù)公司枫绅。值得慶幸的是我覺(jué)得現(xiàn)在幾乎所有的事情都可以外包和模塊化泉孩，所以即使哪怕你是一個(gè)完完全全不懂得編程的人，你也可以做一些網(wǎng)絡(luò)服務(wù)并淋，比如使用第三方平臺(tái)去搭建網(wǎng)絡(luò)教學(xué)服務(wù)寓搬。盡管，假如自己會(huì)寫代碼县耽，那么我的選擇會(huì)更多一些订咸。

An Interesting what if scenario is that I also seriously considered computer science while choosing college major. It is also a field that is totally different from finance. Thus, if I start a company, I might choose to make a service web service company instead. I feel like nowadays almost everything can be outsourced and modularize. So, you can still make some web service company if you are a complete programing noob. For example, you can build online teaching company using 3rd party platform, although your options may be more limited. If you can code yourself, you have more option.

既然提到了編程，我有兩個(gè)想法：

我其實(shí)可以在大學(xué)的時(shí)候選擇雙學(xué)位酬诀，也就是說(shuō)在學(xué)習(xí)商科的基礎(chǔ)上再學(xué)計(jì)算機(jī)科學(xué)脏嚷，不過(guò)怎么來(lái)說(shuō)，這已經(jīng)是過(guò)去時(shí)了瞒御，所以思考我過(guò)去能做什么事情實(shí)際上并沒(méi)有辦法對(duì)現(xiàn)在有什么改變
即使在今天開(kāi)始學(xué)編程父叙，也不是一個(gè)非常糟糕的，美國(guó)孵化器Y Combinator前總裁Sam Altman說(shuō)過(guò)，1~2個(gè)月內(nèi)學(xué)會(huì)一些基本的編程能力是可以做到的趾唱。而且你只需要基本的編程能力涌乳，就可以做出最初版本的產(chǎn)品，如果發(fā)現(xiàn)最基本版本的反饋不錯(cuò)甜癞，那么你可以再去找那些經(jīng)驗(yàn)更豐富的程序員幫忙也不遲
Speaking of programing, there are two things that pop up on top of my mind:

One thing I could have done this to double major which is to study business and computer science. Nevertheless, it is something in the past. It makes little sense to think about what I could do differently
Learning to code today. Sam Altman said teaching yourself code in a month or two is possible. And you only need some basic skill to make the version 1 products. And after that, if the product does prove to be interesting, attracts attention, and starts to gain momentum, you can start to hire more seasoned programmers

Live like a millionaire / billionaire 億萬(wàn)富翁的生活

巴菲特他說(shuō)過(guò)他的生活與普通人沒(méi)有太大的不同

I think one of the interesting thing that I heard from Warren Buffett is that his life is not so different from the average jones. According to this description, the majority of his time is living life like we do.

如果你看看你們和我之間生活上的差別夕晓。我們基本上穿的是一樣的衣服。好吧悠咱，太陽(yáng)信托銀行送了我身上這件T恤蒸辆。我們都有機(jī)會(huì)飲用上帝之泉（水），我們都去麥當(dāng)勞析既，或者躬贡，更好的，冰雪皇后眼坏。我們都住在冬暖夏涼的房子拂玻。我們都能用大屏幕看內(nèi)布拉斯加州和德克薩斯州的A&M比賽。我們看比賽的方式是一模一樣的宰译。意外發(fā)生時(shí)你會(huì)有一個(gè)不錯(cuò)的醫(yī)療保障檐蚜，我也一樣。唯一的區(qū)別是我們出行的方式：我坐著這小私人飛機(jī)沿侈，我蠻喜歡的但也確實(shí)花錢闯第。但是如果你拋開(kāi)這一點(diǎn)，除了出行肋坚，仔細(xì)想想乡括，有什么我在做的你做不到肃廓？我從事自己喜愛(ài)的工作智厌，但是我一直都做自己愛(ài)的工作。我對(duì)現(xiàn)在的工作和我在當(dāng)時(shí)來(lái)說(shuō)1000美元就是巨款的時(shí)候的工作是一樣的熱愛(ài)盲赊。我懇求你們從事自己喜愛(ài)的工作铣鹏。
If you think about the difference between me and you in terms of how we live. We wear the same cloth basically. All right, SunTrust gives me mine. We all have a chance to drink the juice of god here. We all go to McDonald or, better yet, Dairy Queen. We live in a house that’s warm in the winter and cool in the summer. We watch the Nebraska and Texas A&M on a big screen. You see it in the same way I see it. We do everything… our life ain’t that different, you know. You will get decent medical care when something happens to and I will get decent medical care. The only thing we do differently is we travel differently: I ride around this little plane and I love it. That takes money. But if you leave that aside, other than travel, think about it, what can I do that you can’t do? I get to work in a job that I love, but I always work in a job I love. I love it just as much when it was a big deal if I made a thousand bucks. I urge you to work in jobs you love.

有人可以說(shuō)，這可能是億萬(wàn)富翁的謊言哀蘑。但我感覺(jué)更大可能是實(shí)話诚卸。 我小時(shí)候在新東方上課的時(shí)候遇到俞敏洪談到游艇等等的玩具的麻煩之處，所以他自己沒(méi)有買绘迁，只是必要的時(shí)候借朋友的合溺。

One can argue that it can be a billionaire lie. But it could be true. I once over here a conference in which Minhong Yu, CEO of New Oriental, talked about the hassle of keeping expensive items such as a yacht, so he rented his friends’ whenever he needs.

我個(gè)人也見(jiàn)過(guò)一些在世俗意義上從出生時(shí)就很成功的人，我不認(rèn)為他們比我更快樂(lè)缀台。 我發(fā)現(xiàn)幸福的多少似乎與物質(zhì)的占有量并不成正比關(guān)系棠赛。 在《思考快與慢》一書中，丹尼爾·卡尼曼引用了一項(xiàng)研究，表明金錢只在達(dá)到某個(gè)值之前很重要睛约。一旦達(dá)到了這個(gè)點(diǎn)鼎俘，幸福不會(huì)伴隨著更多的收入或財(cái)產(chǎn)而增加。在 2015-2019 年期間辩涝，美國(guó)的家庭收入中位數(shù)為 62.843 美元贸伐。 因此，高收入帶來(lái)的最大滿意度僅比全國(guó)中位數(shù)高 19.35% 或更少怔揩。

I personally also get to know a few who are lucky in the conventional sense to be born in an incredibly wealth family. I don’t see them to be exponentially happier compared to me. Happiness doesn’t seem to scale very well with materialistic possession. In the book Thinking Fast and Slow, Daniel Kahneman quoted a research shows that the money matters only to a point. And beyond that, happiness won’t go with more income or possession. One thing to keep in mind that during year 2015-2019, the median household income in the US is $62.843. Thus the point of maximum satisfaction from higher income is just 19.35% or less higher than the national median number.

家庭收入的帶來(lái)的滿足感的上限在高成本地區(qū)的約為 75,000 美元（生活成本較低的地區(qū)可能會(huì)更少）捉邢，超過(guò)該水平，幸福感不再增加沧踏。 與超過(guò)該水平的收入相關(guān)的體驗(yàn)幸福感的平均增長(zhǎng)恰好為零歌逢。
The satiation level beyond which experienced well-being no longer increases was a household income of about $75,000 in high-cost areas (it could be less in areas where the cost of living is lower). The average increase of experienced well-being associated with incomes beyond that level was precisely zero.

Romantic relationship 愛(ài)情

愛(ài)情對(duì)我來(lái)說(shuō)是一個(gè)有趣的概念。我很長(zhǎng)一度時(shí)間甚至在異性面前都會(huì)緊張的說(shuō)不出話翘狱。期待與某人建立密切的情感聯(lián)系是人類的天性秘案。愛(ài)情是一個(gè)很奇妙的東西，愛(ài)情的本質(zhì)是將兩個(gè)陌生人用類似于親人一樣的強(qiáng)烈情感聯(lián)系在一起潦匈。

This is an interesting concept to me. I’ve been awfully terrified and struggle regarding romantic relationships. I often wonder whether I am very eccentric to a point that I cannot easily get on well with the opposite sex. I feel like it’s human nature to look forward to having a close emotional connection with someone. Love is an amazing thing that binds two strangers together.