00:00
most people think that retirement is going to be the best years of their life until one day they wake up feeling lost
大多數人認為退休將是他們一生中最美好的歲月，直到有一天醒來感到迷失。
00:09
disconnected and wondering is this it and we know people like that and by the way you probably know people like that
與世隔絕，並想著「難道就這樣了嗎？」我們認識這樣的人，順帶一提，你可能也認識這樣的人。
00:16
but spend the next 20 or so minutes with us and we will help you avoid the major traps the major disfunction and help you
但請花接下來的二十分鐘左右與我們在一起，我們將幫助你避開主要的陷阱和嚴重的失調，並協助你
00:25
pull together a fulfilling retirement now our first year in retirement was a disaster it was fun it was fun it was
規劃出一個充實的退休生活。我們退休的第一年簡直是一場災難。很有趣，真的很有趣，但
00:34
fun but it was a disaster I remember as clear as day when I was still working I was done with my earnout I'd sold my
卻是一場災難。我記得很清楚，當我還在工作時，我已經完成了我的盈利支付協議（earnout），我賣掉了我的
00:43
company and I just had it and I really wanted to leave so I stepped down as a leader of the office and I'll never
公司，我真的受夠了，我非常想離開，所以我辭去了辦公室主管的職務。我永遠
00:48
forget that first Monday when I walked in and I walked past the conference room past the leadership team meeting
不會忘記那個星期一，當我走進去，經過會議室，經過領導團隊會議，
00:56
the weekly leadership team meeting that I ran for 38 years and I wasn't even invited I get to my office and I think
那個我主持了 38 干的每週領導團隊會議，而我甚至沒有被邀請。我回到我的辦公室，心想，
01:05
what am I going to do now overnight I instantly became irrelevant I started coming in late I started going home
「我現在要做什麼？」一夜之間，我瞬間變得無關緊要。我開始晚到，開始
01:13
early and I remember one day I'm home at 2:00 cuz I left cuz I had nothing left to do there was no emails to answer
早退。我記得有一天，我下午兩點就到家了，因為我離開了，我在那裡無事可做。沒有郵件要回覆，
01:21
there was no line out my door and it was probably a year into this phase of my life and I went home and I cracked open
門口也沒有人排隊。這大概是我人生這個階段的一年後，我回到家，開了一瓶
01:29
a bottle of my favorite Pino Noir um oh gosh what is it Bell gloss Pino Noir used to be two o'l in the afternoon I
我最喜歡的黑皮諾（Pinot Noir）。天啊，是哪一瓶？Bell gloss Pinot Noir。以前是下午兩點，我
01:39
don't drink anymore but 2 o'clock in the afternoon I had a glass of bell gloss penal Noir and I was watching Ellen I
現在不喝酒了，但下午兩點，我喝了一杯 Bell gloss Pinot Noir，我看著《艾倫秀》（Ellen），我
01:46
had fallen in love with daytime TV so I'd go home and watch TV you were still slugging it out at work super slugging
愛上了白天的電視節目，所以我回家就看電視。而你還在工作中拼命工作，超級拼命，
01:54
it out 5:00 I hear the garage door open up well probably like 7:00 yeah there was no kids at home anymore so I jump
五點我聽到車庫門打開的聲音。嗯，大概七點吧，對，家裡已經沒有小孩了，所以我從
02:00
out of the chair and I get ready and you know Jody comes in and go hey honey how are you how was your
椅子上跳起來，做好準備，你知道 Jody 進來了，說「嘿，親愛的，你好嗎？你今天
02:05
day well that was semi-retirement and then when we left our careers in 2018 yeah we got in trouble yeah my
過得怎麼樣？」嗯，那是半退休狀態。然後當我們在 2018 年離開我們的事業時，是的，我們遇到了麻煩。是的，我的
02:13
retirement story is a little bit different Mark was an entrepreneur always worked for himself he and his
退休故事有點不同。Mark 是一位企業家，總是為自己工作，他和他的
02:17
brother owned their own company and that was awesome I worked in Fortune 200 financial services companies and
兄弟擁有自己的公司，那真是太棒了。我在財富 200 強的金融服務公司工作，
02:25
basically was working for the man and um I love it loved my job loved my team loved my clients loved the work loved
基本上是為別人打工。嗯，我很喜歡，熱愛我的工作，熱愛我的團隊，熱愛我的客戶，熱愛這份工作，熱愛
02:34
the problems loved solving problems loved every loved the travel I loved everything about it until one day we
我熱愛解決問題，熱愛旅行，熱愛這一切，直到有一天
02:41
were bought by a fierce competitor and I had signed to stay on and so I stayed on you know for a couple of years but I was
我們被一家強勢的競爭對手收購，而我簽了留任協議，所以我就留了下來，你知道，待了幾年，但我
02:49
grinding down and the new culture was really grinding me down so at the end of that when we did decide to retire I was
越來越疲憊，新的企業文化真的讓我心力交瘁。所以在那段時間結束時，當我們決定退休時，我
02:57
super excited to do what I thought you did retirement travel eat drink wake up late go to bed late everything was late
非常興奮地去做我認為退休該做的事：旅行、吃喝、晚起、晚睡，所有事都很晚
03:07
I didn't have to be on time I was super pumped until one day our youngest daughter Jordan said to me do you notice
我不用再準時出現，我超級興奮，直到有一天，我們最小的女兒 Jordan 對我說：你注意到
03:14
in the past six months like you're not in any of our photos anymore you just dive out of the pictures like literally
在過去六個月裡，你完全沒出現在我們的照片裡了嗎？你 literally（真的）從照片裡
03:21
dive out of the pictures Mom what's going on and I thought to myself you know Jord I don't feel real good I don't
消失了，媽，到底怎麼回事？我心裡想，你知道嗎，Jordan，我感覺不太好，我
03:28
look real good I've gained weight I'm tired I'm always hung over and that was a real Catalyst moment for me where I
看起來也不太好，我變胖了，我很累，我總是宿醉，那對我來說是一個真正的催化時刻，我
03:37
knew I had to make a change because I was no longer going to be recorded in the family photos and it was my own
知道我必須做出改變，因為我不會再被記錄在家庭照片裡了，而這是我自己的
03:44
doing and that's when we really started to make a change and a shift y before we go any further there's a free download
問題，就在那時，我們真正開始做出改變和轉變。在我們繼續之前，下方有一個免費的
03:52
below the one-year retirment checklist this is a good starting point if you're thinking of retiring or you've just
下載資源：退休一年清單。如果你正在考慮退休或你剛退休，這是一個很好的起點，
03:59
tired it's a good checklist to go through to give you some more perspective on some of the things that
這是一份很好的清單，可以幫助你更深入了解一些
04:04
are important but where where people go wrong in retirement planning is they spend their entire life worrying about
重要的事情。但人們在退休規劃上常犯的錯誤是，他們一生都在擔心
04:13
the financial aspects of it I remember you tell a story about when you first went to work for chub and you filled out
財務方面的問題。我記得你講過一個故事，關於你第一次去 Chub 工作時，你填寫了
04:18
that form for a 401k 1987 it was a pension back then you had a pension 41k and pension and you want to sign up for
那份 401k 的表格，那是 1987 年，那時是一種養老金，你有養老金、401k 和養老金，你想全部
04:26
all this and I'm thinking gosh I'm 22 years old are you kidding me so we all spend all of this time creating enough
都登記，我心想，天啊，我才 22 歲，你在開玩笑嗎？所以我們都花了所有時間創造足夠的
04:33
wealth so that we can retire right the problem is that's only I'm going to say 20% of what's necessary 30 40 50 still I
財富，以便我們可以退休，對吧？問題是，那只佔了我認為必要事情的 20%，30%、40%、50%，我還是
04:42
would at least give it 50% you have to have your finances you kind of in order and set and prepared for anything that
至少會給它 50%。你必須讓你的財務狀況大致就緒、安排妥當，並為任何可能
04:49
might drop on you as you age but I think the fallacy and the trap is that's all you need to do and that's not true
隨著年齡增長而發生的事情做好準備。但我認為謬誤和陷阱在於，你以為那就是你需要做的全部，但這不是真的
04:55
there's so much more that you need to plan on to build your retirement you can't just retire and say we'll figure
你需要規劃的事情還有很多，才能建立你的退休生活，你不能只是退休然後說我們再看著辦
05:03
it out right let's figure it out as we go that's a big trap is just not entering retirement with any other plan
我們邊走邊想吧，這是一個很大的陷阱，就是退休時除了你的財務計畫之外，沒有任何其他計畫
05:11
but your financial plan and just saying you know what it's all going to work out well and and and and it won't I'll be
然後就說「你知道嗎，一切都會迎刃而解」，但事實並非如此，我會
05:19
the first to tell you it won't I'm not even going to say it might not I'm going to say it won't 100% without structure
第一個告訴你這行不通，我不會說可能不行，我要說絕對不行，100% 不行，如果沒有架構
05:26
your retirement will feel empty and it's going to go really fast and your health will decline fast because when you don't
你的退休生活會感到空虛，時間會過得非常快，你的健康也會迅速衰退，因為當你
05:34
have a lot to do and you don't have structure that's when boredom frustration regret start creeping in
沒有太多事可做，又沒有生活架構時，就是無聊、挫折、後悔開始悄悄滲入的時候
05:40
laziness so all right so one of the things that we see people when they they fail at retirement is again things are
和懶惰。所以，好吧，我們看到有些人退休失敗的原因之一，就是 again，認為事情
05:49
just going to work out without a plan that's not true you need to start planning we tell our kids now they're
在沒有計畫的情況下自然會變好，這不是真的，你需要開始規劃，我們現在告訴我們的孩子，他們
05:56
between the ages of 25 and 40 you need to be planning now for retirement not just your money but life what so funny
年齡在 25 到 40 歲之間，你們現在就需要為退休做規劃，不只是金錢，還有生活。什麼這麼好笑？
06:04
well that that was close in their ages but yeah I'll give you well close enough it's a you know we have six kids Jody
嗯，他們的年齡很接近，但沒錯，我會告訴你，嗯，夠接近了，你知道我們有六個孩子，Jody
06:10
has three daughters I have three sons I can't keep track of everything the oldest one's almost 40 andest two just
有三個女兒，我有三個兒子，我搞不清楚所有事，最大的快 40 歲了，最小的兩個才
06:17
turned 27 they did they're not 25 anymore nope where have I been I don't know where does time go our retirement
剛滿 27 歲，他們已經，他們不再是 25 歲了，對，我之前去哪了？我不知道，時間都去哪了？我們的退休生活
06:25
is flying by you know the next big trap is that you know you're going to think like maybe I thought and I did think
正在飛逝，你知道下一個大陷阱是，你知道你可能會像我以前那樣想，我確實
06:31
this way that free time is just going to lead to happiness because I was a working mom with six kids going in a
這麼想過，認為空閒時間就會帶來快樂，因為我當時是個有六個孩子的職業媽媽，忙得團團轉
06:38
million directions and I wanted to be involved in everything they were doing plus run my teams and Lead my clients
我想參與他們做的每件事，還要管理我的團隊、帶領我的客戶
06:45
and all those things and I thought free time was the answer to everything and actually free time can be very dangerous
和所有那些事，我以為空閒時間是所有問題的答案，但實際上空閒時間可能非常危險
06:52
well the go ahead no the story I told you know goes to show that my free time without structure was Danger dous it was
嗯，你接著說，不，我講那個故事就是要說明，我沒有架構的空閒時間是危險的（Danger dous，口誤，應為 dangerous）
07:00
really dangerous to my health my relationships and my well-being well the other trap people fall into is that they
對我的健康、人際關係和幸福真的非常危險。嗯，人們陷入的另一個陷阱是他們
07:07
think or assume that their spouse wants to spend 24/7 together and that's not
以為或假設他們的配偶想要 24/7 全天候待在一起，但這並
07:14
true what is that old joke uh that love love you for life but not for lunch or something something along those lines
不是真的。有個老笑話是怎麼說的來著？嗯，愛你一輩子，但不愛跟你一起吃午餐之類的，大概就是那個意思
07:22
love you daily but not for lunch first of all you don't want to spend 24/7 together I'm telling you right now it's
每天都愛你，但不愛一起吃午餐。首先，你不會想 24/7 全天候待在一起，我現在告訴你，這
07:28
just not healthy wow I hope that's not just you talking I hope drop a note below if if you think that's just Mark
真的不太健康 哇 我希望那不只是你在說 希望不是只有馬克這麼想 如果你覺得只有馬克這麼想 請在下方留言
07:36
not being happy I think it's a trap if you think that's going to be the way it is because we both have our own stuff
不高興 我覺得這是個陷阱 如果你認為退休生活就該是這樣 因為我們都有自己的事要做
07:41
and we have to have our own stuff that's what gives us some sanity I mean if right I think if we really spent 24/7
我們必須有自己的事 這才讓我們保持理智 我是說 如果我們真的整天24小時
07:48
together and didn't have any other friends and any other activities we'd be in trouble so you can't think that that
在一起 沒有其他朋友 也沒有其他活動 我們會出問題的 所以你不能把那當作
07:54
is an answer a big business a big plan for your retirement so let me lay this out for you if you are human if you're
一個答案 一個大計畫 退休後的宏圖大計 讓我來為你剖析一下 如果你是人類 如果你是
08:02
given a human and the human has all the free time in the world money is maybe set it's not like money is not an object
個人 人類擁有世界上所有的自由時間 金錢或許已經到位 雖然不是說錢不是問題
08:10
but money's set there's no plan no structure no accountability no dates or deadlines no
但錢已經到位了 沒有計畫 沒有結構 沒有監督 沒有日期或截止期限 沒有
08:19
commitments I mean at whatever age you are 60 6570 I mean do you really want to be a
承諾 我是說 不論你現在幾歲 60 65 70 我是說 你真的想再當個
08:26
teenager again like that's what a teenager is right yeah sleep until noon sleep till noon you know maybe if
青少年嗎 青少年就是那樣 對吧 沒錯 睡到中午 睡到中午 你知道 也許如果
08:33
they're in their 20s eating and drinking maybe they're a college kid I mean you're not going to go back to be that
他們20多歲 吃喝玩樂 也許是個大學生 我是說 你不會想再回去當那種
08:38
person wow so it's it's important to make an intentional decision about what person you are going to be at 55 60 65
人 哇 所以重要的是要刻意決定 55 60 65
08:48
70 whatever your age is what person are you going to be and what person builds your legacy what are people going to
70歲 不論你幾歲 你想成為什麼樣的人 哪種人會建立你的遺產 當人們談論你時
08:55
talk about when they talk about you they got to talk about h well Jody she ate and drank her way across the world
會談論什麼 他們會說 喔 喬迪 她吃遍喝遍全世界
09:02
gained 30 lbs and died I mean that's not the story I want well I'm I'm getting a little emotional because you're bringing
長了30磅然後去世了 我是說 這不是我想要的故事 嗯 我有點激動 因為你提到了
09:10
up the story of my dad which um I wasn't going to talk about today but I am now because my dad greatest guy in the world
我父親的故事 嗯 我本來今天不打算談論的 但我現在要說了 因為我父親是世界上最棒的人
09:18
he was a third generation in the family business my brother and I were fourth generation and I loved him to death he
他是家族企業的第三代 我和我哥哥是第四代 我非常愛他 他是個海軍陸戰隊員 他很強壯 勇敢 非常堅韌 但他有酗酒問題
09:24
was a marine he was strong courageous very tough but he he had a drinking problem
嗯 現在我比較容易說出口了 但我告訴大家 他在
09:34
and um it's easier for me to say that now but I tell people that he didn't invent the three Martini lunch during
職業生涯中並沒有發明三杯馬丁尼午餐 但他把它發揚光大了 他真的很擅長 他就像保險業的唐·德雷珀
09:41
his career but he perfected it he was really good at it he was like the da Draper of the insurance industry and the
問題是他把喝酒的習慣帶進了退休生活 65歲當他離開公司時 他就去世了 在
09:48
problem was he took that habit of drinking into his retirement and at 65 when he left the business he was dead at
問題是他把喝酒的習慣帶進了退休生活，65歲當他離開公司時，他就去世了，享年
09:56
80 and it really was because he couldn't find a new purpose he didn't have any new friends he you know he was playing
80，這真的是因為他找不到新的目標，他沒有任何新朋友，你知道，他會和哥兒們打高爾夫，然後喝酒、去吃午餐、回家小睡一會兒，再帶我媽去吃晚餐，但他
10:04
golf with his buddies and then he would drink and go out to lunch go home take a nap and take my mom to dinner but he
沒有任何目標，這是人們會陷入的另一個陷阱，他的生活就是他的事業，當他
10:11
didn't have any purpose and that's one of the other traps people run into his life was his career and when he stepped
從中抽身時，對吧，他就失去了他的身分認同，他不知道如何填補那多出來的四十多個小時的自由時間，而且
10:17
away from it right he lost his identity he didn't know how to fill those 40 plus hours of free time that came his way and
他沒有任何目標，所以這個失去目標的陷阱，你無法在沒有
10:23
he didn't have any purpose so this trap of not having any purpose anymore you can cannot go through 20 or 30 years
理由每天早上起床的情況下度過二、三十年，不，這真的非常重要，好了，那麼有什麼
10:33
without having a reason to get up in the morning no that's really important all right so what's
嗯，有什麼事情是你能做的，你必須改變你的思維，嗯，你必須停止
10:40
um what's some things that you can do you've you've got to have a shift in your thinking um you have to stop you
停止認為你將整天無所事事、去海灘喝椰林飄香（Piña Coladas），就像你說的，那不是一個可行的退休計畫，
10:49
have to stop thinking that you're going to lay around go to the beach drink peanut coladas and do nothing all day
嗯，你知道那是什麼嗎？那是
10:56
like you said that is not a feasible plan for retirement well you know what that is that is
度假，對吧，所以那可能是你想在加勒比海、大開曼島、
11:03
vacation okay right so like that that could be what you want to do for a week in the Caribbean or in Grand Cayman or
或土克斯和凱科斯群島，或任何你喜歡去的地方待上一週想做的事，但那不是生活，這就是為什麼它被稱為度假，對吧，對吧，所以我們
11:13
Turks and caos or wherever you like to go but that's not life that's why it's called vacation right right so so we're
不是說不要犒賞自己，犒賞自己一下，你是退休了，但犒賞自己一下不能成為你的全部生活，你
11:21
not saying don't give yourself an inch give yourself an inch you're retired but your inch can't be your whole life you
仍然可以花一個月或一年的時間去做那件事，但你不能每天都做，這是我認為的重點，你必須
11:29
still can take a month a year and do that but you can't do it every day that's I guess my big point you have to
有心態上的轉變，我們被教導所有的廣告，所有保險公司的廣告、所有退休金的廣告、所有理財規劃師的廣告，都展示一對我們這個年紀的夫婦坐在海灘上喝椰林飄香，那不是一個退休計畫，我們
11:34
have a mindset shift we were taught all the ads all the insurance company ads all the pension ads all the financial
非常致力於改變人們對退休的看法，這件事極其重要，我們
11:42
planner ads show a couple our age sitting on the beach drinking panina coladas that is not a retirement plan we
談到我們的七大支柱：身體健康、心理健康、人際關係、配偶或伴侶關係、
11:49
are so dedicated to changing the way people think about retirement it is just critically important to do that and we
積極的慈善捐贈回饋社會、我們的心靈旅程、我們的終身學習，這些就是你需要努力的七大支柱，
11:57
talk about our Seven Pillars our physical wellness mental Wellness relationships spouse partner
如果我們打算每天去海灘喝酒，你就不可能只有一個支柱，對吧，所以
12:03
relationship active philanthropy giving back our spiritual journey our long life learning those are the Seven Pillars
必須要有這種轉變，那麼你能做的第一件事是什麼，你必須把退休視為一個新的開始，而不是
12:11
that you need to work on you can't have one pillar if we're going to go to the beach every day and drink right so
你必須努力經營這些面向，如果我們打算每天去海邊喝酒，就不可能只靠單一支柱，所以
12:16
there's got to be this shift so what's the first thing you can do you have to think of retirement as a fresh start not
必須要有這種轉變，那麼你能做的第一件事是什麼，你必須把退休視為一個新的開始，而不是
12:24
a stop I believe that everyone spends their career and their time up until now
一個停頓點。我相信每個人在他們的職業生涯和至今為止的時間，都是為了「現在」做準備。
12:31
getting ready for now this is the time to create the life that you always wanted that you didn't have time for
現在是創造你一直想要、卻沒有時間去過的生活的時刻。
12:38
that you didn't have a vision for this is where you can gosh you could do anything that you want to do but don't
那些你過去沒有遠見去實現的生活。在這裡你可以做任何你想做的事，但不要
12:46
end it by just saying okay it's over this is great let's just sit around and do nothing it's funny I had this
只是說「好吧，結束了，這很棒，我們就坐著什麼都不做吧」就結束了。有趣的是，我昨天
12:52
conversation yesterday with a friend of mine Connie and she said you know what's great about retirement Jody is you know
和我的朋友康妮有這樣一段對話，她說：「你知道退休有什麼好嗎？喬迪，就是你知道
12:58
nothing matters and she said that we were on the 10th hole and we finished that hole off
什麼都不重要了。」她說我們當時在打高爾夫球的第10洞，我們打完那一洞後，
13:03
playing golf and then we got to the 11th hole and I said Connie something you said really bothered me you know
到了第11洞，我說：「康妮，你說的一些話真的困擾了我。你知道嗎，
13:09
retirement in your mind is like nothing matters in my mind retirement is the time where everything matters like
在你心中，退休就像什麼都不重要；但在我心中，退休是每件事都重要的時刻，就像
13:17
literally everything matters every interaction every time at the gym every bicycle ride every golf shot every
字面上每件事都重要。每一次互動、每一次在健身房的時光、每一次騎腳踏車、每一次高爾夫球揮桿、每一次
13:26
relationship every call with the kids like all of a sudden now I'm feeling at almost 60 years old like everything
與家人的關係、每一次和孩子們的通話。就像突然之間，我現在快60歲了，感覺每件事
13:34
matters yeah and so we talked about that for a few more holes and at at maybe whole 17 she looked at me and said yeah
都很重要。」是的，我們在接下來的幾個洞又談論了這件事，大概在第17洞時，她看著我說：「是啊，
13:41
I think everything matters and I was like good that's a mindset shift I mean it took me seven holes and a lot of
我覺得每件事都很重要。」我心想：「很好，這是一個心態的轉變。」我花了七個洞和很多糟糕的高爾夫球才做到，
13:48
terrible golf but I mean everything has to matter in this stage and if you make that one mindset shift then what you put
但在這個階段，每件事都必須是重要的。如果你做了這個心態上的轉變，那麼你早上穿什麼
13:57
on in the morning matters and where go in the morning matters and what you do midday matters and who you connect with
很重要、你早上去哪裡很重要、你中午做什麼很重要、你和誰聯絡
14:02
matters all of it should matter yeah well it's true so we talked about having this mindset shift that retirement is
也很重要。所有事都應該是重要的。」是的，沒錯。所以我們談論了這種心態的轉變，即退休是
14:10
the beginning of a whole new life the second thing that you want to think about is creating an identity beyond
全新生活的開始。第二件你要思考的事，是創造一個超越
14:16
your career now I'll bring up my dad again because he was what's his what's his nickname we give him you because he
你職業生涯的身分。這裡我要再提到我父親，因為他有個……我們給他的綽號是什麼？因為他
14:23
spent his last um 15 years telling everybody what he used to do he used to be
在他最後的15年裡，一直在告訴每個人他以前做什麼。他以前是
14:31
president of rotary he used to uh be the captain of this he used to used to be in the church ministry the
扶輪社的社長。他以前是……這個的隊長，他以前在教會事工……
14:39
church ministry he was a leader of this leader of that he ran the company he built this he did that it was all used
教會事工。他是這個的領袖、那個的領袖。他經營公司、他建立了這個、他做了那個。全部都是「以前」。
14:44
to I think back on my 38 year career as a fourth generation family business owner I sold the company in 2013 I left
回想起我作為第四代家族企業主長達38年的職業生涯，我在2013年賣掉了公司，並在2018年正式離開。
14:54
it in 2018 it's just a distant memory of who I I am we you have this great saying
那段往事已成遙遠的記憶，關於我是誰。我們有一句很棒的話，
15:01
about um Tombstone the tombstone is it's not my saying well it's not but we talk about it the year you were born and the
關於墓碑。這不是我發明的說法，但我們常討論它：你出生的那一年和你去世的那一年，
15:09
year that you died and the dash in the middle is everything you did in the middle and if I had died in 2018 my
中間那一道橫槓代表你在這輩子做過的所有事情。如果我在2018年就去世了，
15:17
obituary would have been full I had a great company great leadership qualities I was involved in nonprofits I did a lot
我的訃聞會非常精彩。我擁有一家很棒的公司，具備卓越的領導特質，投入非營利組織，做了很多
15:23
of great things but if I didn't do anything new until now and then I died that's all old news like who cares yeah
了不起的事。但如果從那之後直到現在，我都沒做任何新鮮事，然後才去世，那都是舊聞了，誰會在乎呢？是的，
15:32
we've got a whole new story to tell about our life and it just keeps getting better so finding a new identity is
我們的人生還有全新的故事要述說，而且只會越來越精彩。所以，為自己找到一個新的身分認同，
15:39
really important to do that for yourself it's not always easy we get it but you have to think about it I think another
這點非常重要。我們知道這並不總是容易，但你必須去思考。我認為另一個
15:45
mindset shift is you know if depending if you're entering retirement as a solo retiree or with a partner or with a
心態的轉變在於，取決於你是獨自退休，還是有伴侶或配偶，
15:52
spouse you have to make sure you're planning your time and your activities whether it's watching grandkids or you
你必須確保規劃好你的時間和活動，無論是幫忙帶孫子、
16:00
know working part-time or volunteering or playing golf or doing pickle ball you have to make sure that there are things
兼職工作、做志工、打高爾夫球還是打匹克球，你必須確保有些事
16:08
you want to do alone and you want to do with your spouse partner or community so that you have that foot in both camps
是你想獨自完成的，有些事是想和配偶、伴侶或社群一起做的，這樣你才能腳踏兩條船。
16:16
these are things I do by myself that I that I you know reach out to the to the community and to the world and on my own
這些是我獨自做的事，藉此接觸社群和世界，建立屬於自己的身分；而那些是我們一起做的事。這對你和我來說，一直是個難以拿捏的平衡，你知道我們是……
16:23
identity and these are things that we do together that's been a difficult balance for you and I you know we're um um what
什麼意思？很難拿捏？嗯，這一直都在調整中，你知道 Mark 對退休轉型非常投入，
16:29
do you mean difficult well it it's been a work in progress you know you are Mark is extremely dedicated to retirement
真的非常投入，我也是。然而，我會守住我的界線：我不懷念女子高爾夫，我不懷念我的
16:38
transforms like extremely dedicated and I am as well however I balance it with I don't miss ladies golf I don't miss my
讀經班，我星期五不工作。這些就是我的界線，因為在我職業生涯中，我曾一週工作七天，
16:47
Bible study I don't work on Fridays like those are my boundaries those are my boundaries because I worked seven days a
我要兼顧孩子，我沒有為自己做任何事。你在退休後更願意在界線上讓步，但我沒有。
16:55
week during my career I balanced kids I did I didn't do anything for myself you you're more willing to give on your
我想這就是困難所在。我認為我的
17:03
boundaries in retirement I'm not well I think that's the and that's been the difficult part I think uh my
企業家精神讓我不斷前進。你知道我一年前寫了一本書，我會把書的連結放在下面，但我……
17:10
entrepreneurial Spirit keeps me going you know I wrote a book a year ago I'll put the the link below to the book but I
企業家精神讓我不斷前進。你知道我一年前寫了一本書，我會把書的連結放在下面，但我
17:17
work with a lot of men I want to call it on the side my side hustle is mentoring men who are in trouble and I really
我想稱之為「副業」，我與許多男性共事，我輔導陷入困境的男性，我真的很享受這個過程，這超越了退休轉型，我只是喜歡幫助他人，這也是我的熱情所在，
17:25
enjoy that and that goes beyond retirement transform but I just love helping people and it's a passion of
而在我們所處的這個行業，有時我們甚至不把它當成一門生意，我們只是在分享我們認為好的退休生活方式，但規劃共同活動與個人活動的這個概念非常重要。
17:32
mine and this business that we're in I don't even sometimes we don't even treat it like a business it's just us sharing
另一個關鍵的心態轉變，對我們來說最重要的一點，大概就是專注於你的身體健康，這會影響你的心理健康，
17:38
what we think is a good way to live your retirement but this whole idea of planning shared activities and
也會影響社群，還能讓關係更緊密。我們兩個每週都去健身房五天，我早上五點去，
17:45
individual activities is really important another one a mindset shift that's so critical probably the number
Jody 早上七點去，
17:53
one thing that's important to us is focusing on your physical wellness that's going to bleed into your mental
同一家健身房，同一堂課，每週一到週五做一樣的訓練，每個月會更換五種不同的訓練內容，
17:59
wellness it's going to bleed into Community it's going to bleed in to Stronger relationships we both go to the
但我們在那裡有不同的朋友，回家後我們會分享朋友們的近況，我們有故事可以講，就像以前我們工作的時候，
18:05
gym 5 days a week I go at 5:00 a.m.
回家吃晚餐時，Jody 在 Chub 保險工作，我經營自己的公司，我們會聊保險，分享關於團隊成員或客戶之類的故事，
18:12
Jody goes at 700 a.m.
我們現在也能這樣做，這很有趣。如果我們一起去健身房，又只是一起打高爾夫球，整天24小時都膩在一起，就沒什麼好聊的了，我們會發瘋的。
18:12
same gym same same class same workout every Monday through Friday there's five different workouts
但我認為關鍵點在於保持身體活動並維持身體健康的概念。我掉進了一個兔子洞（指鑽研過深），你掉進了另一個兔子洞，但身體健康，身體健康，你知道嗎，
18:17
they change it every month but we have different friends there and we come home and we
我前幾天看了一個訪問，受訪者對訪問他的人說，如果上帝給了你一個人，上帝給了你一個人，那個人就是你自己，
18:23
share what our friends are up to we have stories to tell like when we used to work and we come home and have dinner
你是否盡了一切努力來滿足這個人的需求、拓展這個人的思維、為這個人創造快樂，無論身在何處？
18:31
jod worked for chub insurance I was worked for my own company but we talked insurance but we told stories about team
喬德在Chub保險工作，我則經營自己的公司，但我們聊保險，我們聊團隊的故事
18:37
members or clients and this and that we get to do that now which is interesting if we went to the gym together and only
成員或客戶等等，我們現在可以這樣做，這很有趣，如果我們一起去健身房，卻只
18:44
played golf together and just spent 24/7 together there's nothing to talk about we'd go crazy yeah but I think I think
是打高爾夫球，24小時都膩在一起，就沒什麼好聊的了，我們會發瘋，沒錯，但我認為
18:51
really the key point there is this idea of staying physically active and getting your physical wellness in line I went
關鍵在於保持身體活動，讓身體健康達到平衡。我陷入了
18:57
down a rabbit hole you went down a different rabbit hole but physical wellness physical wellness you know I I
一個迷思，你陷入了另一個迷思，但身體健康，身體健康，你知道我
19:03
saw an interview um the other day and you know the the interviewee said you know to the P to the person who was
前幾天看到一個訪問，你知道受訪者對採訪他的人說，你知道如果上帝給了一個人
19:11
interviewing them you know if God gave you a person a and God gave you a person it's yourself are you doing everything
一個身軀，上帝給了一個人，那個人就是你自己，你是否盡了一切努力
19:19
you can to fuel that person's need to expand that person's mind to you know create Joy wherever that person is if
來滿足這個人的需求、拓展這個人的思維、為這個人創造快樂，無論身在何處？如果那個人就是你，你可以看著鏡子對這些事情說是是是，如果你做不到，那麼你
19:27
that person is you you can you look in the mirror and say yes yes and yes to those things and if you can't then you
那個人就是你，你可以看著鏡子對這些事情說是是是，如果你做不到，那麼你
19:33
need to make a a shift yeah the fifth shift you need to think about is finding a way to contribute I just talked about
就需要做出改變。是的，你需要思考的第五個轉變是找到一種貢獻的方式。我剛剛談到
19:41
this business we are giving back we are mentoring we are teaching we are coaching one to many on the topic of
這個事業，我們在回饋社會，我們在指導，我們在教導，我們在進行一對多的教練，主題是
19:49
retirement transformation it's really important to us I work with my men you work with the girls you also have
退休轉型。這對我們來說非常重要，我和我的男士們合作，你和女士們合作，你還有
19:55
another community of women you work with you've got your Bible study group you've got to find ways in this phase of
另一個你合作的女性社群，你有你的聖經研讀小組，你必須在人生的這個階段
20:01
life to give back so that you're getting you're feeling fulfilled and you're making a difference and you're building
找到回饋的方式，這樣你才會感到滿足，你正在發揮影響力，並且正在建立
20:08
your legacy yep absolutely all right so what are some key takeaways you can take from this whole Adventure talk that
你的傳承。是的，完全正確。那麼，從我們這段完整的冒險談話中，你可以得到哪些關鍵要點呢？
20:17
we've been on the first one is Define a Clear Vision for yourself in retirement what does it look like sit down and ask
第一是為自己定義一個清晰的退休願景。它看起來是什麼樣子？坐下來問
20:26
yourself the hard questions of where you you are and where you want to be and sit down with a piece of paper and a pen and
自己那些艱難的問題，關於你現在身在何處以及你想去哪裡，拿一張紙和一支筆坐下來，
20:33
don't be afraid to write do it alone do it with your spouse whatever you want to be but it's not too late to do this it's
不要害怕寫下來，可以獨自完成，也可以和你的配偶一起做，無論你想要怎麼做，但現在做還不晚，現在
20:40
not too late to reset if you're watching this you're 10 years in and you're struggling sit down and get a fresh
重新設定還不晚。如果你正在看這個影片，你已經退休 10 年了而且很掙扎，坐下來拿一張全新的
20:47
blank piece of paper and say what can I do now for the next 10 15 years it's really important again it's really
白紙，說我現在能在接下來的 10 到 15 年做些什麼？這真的非常重要，再次強調，這真的
20:55
important to work with your spouse partner significant other on balancing time together and
很重要，要和你的配偶、伴侶或重要的另一半一起合作，平衡在一起的時間和
21:02
separate and if you're a solo retire and you're by yourself cuz we know uh from the comments a lot of you are solar
個人的時間。如果你是獨自退休，獨自一人，因為我們知道，從留言中看出，你們很多人是獨自
21:09
retirees and we're not so we're not experts in this area but you've got to find that Core group of people that you
退休的，而我們不是，所以我們在這方面不是專家，但你必須找到那個核心群體，當你
21:17
can lean on and lean into when you're when you're feeling lonely the third thing that's um hard to do but easy to
感到孤單時，你可以依賴和依靠的人。第三件事雖然很難做到，但很容易
21:24
put your head around because it should really stir your heart is is keep a strong sense of purpose find a way to
理解，因為它真的能激動你的心，那就是保持強烈的使命感。找到一種方式
21:32
find your purpose and the community of people around that purpose that share your same enthusiasm around it now don't
找到你的目標，以及圍繞這個目標的社群，那些與你分享相同熱情的人。現在不要
21:40
make the same mistakes that we did or that my dad did and become a statistic in retirement work on some of the things
犯下我們或我父親犯過的同樣錯誤，成為退休統計數據中的一員。努力實踐我們剛剛
21:48
that we just talked about to build this beautiful life together by yourself whatever it is so that you can spend the
談到的一些事情，共同建立這個美好的生活，無論是獨自一人還是與伴侶一起，這樣你才能夠享受......
21:56
next 10 15 20 years just living the most amazing life ever leave a comment below what's your
接下來的 10、15、20 年，就過著前所未有的精彩生活吧。在下方留言告訴我們
22:04
biggest struggle right now in retirement what's your biggest concern what's your greatest win or your greatest fear we
你現在退休生活最大的難題是什麼？你最擔心什麼？你最大的成就或最大的恐懼是什麼？我們
22:10
promise we will answer your comment so leave one below now watch this video next do this and fail at retirement it's
保證會回覆你的留言，所以現在就在下方留下評論吧。接下來觀看這部影片，這樣做會導致退休失敗，這是
22:20
another video on the same topic we're talking about here where we go deeper and give another perspective so watch
我們剛才討論的同一主題的另一部影片，我們會更深入探討並提供另一個視角，所以請接著
22:25
this one next
觀看這一部。
