M20:37
这个嘛，很大程度上要看每个人的具体情况。
Well, it depends very much on the individual situation.
其实，就我来说，我承诺捐出去的是百分之九十九以上，不过就算这样，剩下的也还是很多。
And actually, I promised to give over 99% in my case, but that still leaves plenty left over.
你也知道，过去这几年里，这里的遗产税免税额度已经大幅提高了。
As you know, the estate tax exemption has been moved up substantially here in the last couple of years.
所以如果我的情况是，我有个孩子一直很积极地参与工作，帮我一起把生意做起来，诸如此类，而且这还是一家小企业，我想把它留给他们，那我的感受可能就会很不一样，不过这种情况其实完全可以在不产生遗产税的前提下做到。
So, I might have a very different feeling if I'd had a child that had worked actively, helped me build the business and all of that sort of thing, and it was a small business and I wanted to give it to them, but that can be really done without any estate tax.
现在这个年代，尤其是如果能提前做一点规划的话。
These days, particularly if a little planning is used ahead of time.
这真的是一件非常个人化的事。
It's a very individual thing.
就像 Charlie 一样，你知道，当你开始认真想该拿自己的钱怎么办时，可选项其实就相当有限了。
As Charlie, you know, when you get to figuring out what you do with your money, the options get fairly limited.
而且就像 Charlie 前几天说的，你知道，他说他要去的那个地方，这些钱反正也帮不上他什么忙。
And as Charlie said the other day, you know, he said where he's going, it won't do him much good anyway.
你知道，墓地里可没有什么 Forbes 400。
There's no Forbes 400, you know, in the graveyard.
所以问题就在于，这些钱放到哪里才能发挥最大的作用？
And so the question is, where does it do the most good?
我觉得，给我的孩子们留一部分有限的金额，确实能真正帮到他们。
And I think it does limited amounts to do some real good for my children.
所以我会确保他们有这一部分，或者说，他们其实已经在某种程度上有了。
So I'll be sure that they have that, or they already have it to a degree.
但另一方面，当我看到保险箱里那些大概五十年前放进去的一堆股票凭证时，它们对我来说完全没有任何用处。
And on the other hand, when I look at a bunch of stock certificates in a safe deposit box that were put there 50 years ago or so, they have absolutely no utility to me.
一点用都没有。
Zero.
它们对我的生活没有任何帮助。
They can't do anything for me in life.
我的意思是，它们也不能让我一天摄入七千卡路里，而不是三千卡路里。
I mean, they can't let me consume 7,000 calories a day instead of 3,000.
它们不能——它们什么都做不了。
They can't—there's nothing they can do.
这个世界上我想要的东西，我都有了。
I've got everything in the world I want.
而且我拥有这些已经有几十年了。
I've had it for decades.
如果我还想额外要点什么，我就会自己去买。
If I wanted something additionally, I'd go buy it.
所以，这些东西对我没有任何用处，可是对世界上其他一些地方的人来说，却有巨大的价值。
So here these things are that have no utility to me, and they have enormous utility to some people in other parts of the world.
我的意思是，它们可以救命，可以提供疫苗，也可以提供教育。
I mean, they can save lives, they can provide vaccines, they can provide education.
它们有各种各样的用途。
There are all kinds of utility.
所以，它们为什么还要放在那里，只是留给我，或者留给第四代、什么曾孙那一辈的人，而不是现在就去做很多好事呢？
So why in the world should they sit there for me or for some fourth generation down of great-grandchildren or something when they can do a lot of good now?
所以这就是我个人的理念，不过我觉得每个人都得形成自己对此的看法，也应该遵从自己内心的判断。
So that's my own philosophy on it, but I think everybody has to develop their own feelings about it and should follow where they go.
我确实觉得，他们可以问问自己，这笔钱放在哪里才能发挥最大的作用？
I do think they might ask themselves, where will it do the most good?
这两者之间的差别可能非常惊人：一边是它能为数以百万计的人做些什么——这些人离我曾经拥有的那种过上体面生活的机会差得太远了——另一边是它能为我做些什么。
It can be pretty dramatic between what it can do for millions of people that don't really have remotely the same shot at having a decent life that I've had, or what it can do for me.
我的意思是，我可以有十套房子，但我甚至可以买下一整家酒店来住。
I mean, I could have 10 houses, but I could buy a hotel to live in.
那样我会更快乐吗？
Would I be happier?
那也太疯狂了。
It'd be crazy.
Charlie 和我都喜欢相当简单的生活，不过有一点我们很清楚，就是我们知道自己喜欢什么、不喜欢什么，而且我们不会按照别人喜欢什么来评判。
Charlie and I both like fairly simple lives, but the one thing we do know is we know what we like and what we don't like, and we don't judge it by what other people like.
所以我也没有太多建议要给谁，不过我会说，你可以开始想这件事了。
So I don't have too much advice for anybody, but I would say start thinking about it.
我给 Giving Pledge 的那些人打电话时，你知道，有些人吧，我会碰到一个七十岁的人，他会说，你知道，我现在还不想去想这件事。
When I call people on the Giving Pledge, you know, some of them, I'll get some 70-year-old and he says, you know, I don't want to think about it yet.
你知道，我总是会跟他们说，怎么，你打算等到九十五岁、腿上还坐着个金发女郎的时候，再来做更好的决定吗，还是怎么着？
You know, and I always tell them, well, are you going to make a better decision when you're 95 with some blonde on your lap, you know, or something?
其实几年前还真有人试过这么干，你们可能也知道。
That actually was tried a few years ago, as you may know.
Charlie？
Charlie?