M20:37
嗯，这很大程度上要看个人的具体情况。
Well, it depends very much on the individual situation.
实际上，就我而言，我承诺捐出超过百分之九十九的财产，不过即便这样，剩下的也还很多。
And actually, I promised to give over 99% in my case, but that still leaves plenty left over.
你知道，过去这几年里，遗产税的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，如果我有个孩子积极参与过工作，帮我一起建立了这家公司，诸如此类，而且这是家小企业，我想把它留给他，那我的想法可能就会很不一样。不过，这种事其实完全可以在不缴遗产税的情况下办到。
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 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.
尤其是现在，只要提前做一点规划。
These days, particularly if a little planning is used ahead of time.
这完全是很个人化的事。
It's a very individual thing.
就像 Charlie，你知道，等你开始琢磨该怎么处理自己的钱时，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，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.
墓地里可没有 Forbes 400。
There's no Forbes 400, you know, in the graveyard.
所以问题就在于，这些钱放在哪里最能发挥作用？
And so the question is, where does it do the most good?
我觉得，拿出一部分有限的金额，确实能对我的孩子有实实在在的帮助。
And I think it does limited amounts to do some real good for my children.
所以我会确保他们拥有这些，或者说，他们现在在一定程度上已经拥有了。
So I'll be sure that they have that, or they already have it to a degree.
但另一方面，当我看到保险箱里放着的一堆股票凭证，那些大概五十年前就放进去了，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.
它们没法让我的生活变得更好。
They can't do anything for me in life.
我是说，它们又不能让我每天摄入七千卡路里，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.
它们没法，它们什么也做不了。
They can't—there's nothing they can do.
我想要的东西，这世上我都有了。
I've got everything in the world I want.
而且已经拥有几十年了。
I've had it for decades.
如果我还想要什么，我就会去买。
If I wanted something additionally, I'd go buy it.
所以，这些东西对我没有任何用处，但对世界上其他地方的一些人来说，却有巨大的用处。
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.
我是说，它们能拯救生命，能提供疫苗，也能提供教育。
I mean, they can save lives, they can provide vaccines, they can provide education.
它们能发挥各种各样的作用。
There are all kinds of utility.
所以，既然它们现在就能做很多好事，为什么还要留在我这里，或者留给第四代的曾孙辈之类的人呢？
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?
这就是我个人的理念。不过我觉得，每个人都得形成自己的看法，并且按自己认定的方向去做。
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.
不过我确实觉得，他们可以问问自己：放在哪里最能发挥作用？
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：一边是它能为数百万人的生活带来什么，而这些人获得体面生活的机会，根本无法和我拥有的机会相比；另一边是它又能为我带来什么。
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，我本来可以拥有十栋房子，但我完全可以买下一家酒店住进去。
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?
那太疯狂了。
It'd be crazy.
Charlie 和我都喜欢相当简单的生活，但有一件事我们很清楚，那就是我们知道自己喜欢什么、不喜欢什么，而且我们不会拿别人的喜好来评判自己的选择。
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.
所以我没什么太多建议可以给大家，但我想说，你们可以开始想想这件事了。
So I don't have too much advice for anybody, but I would say start thinking about it.
我给 Giving Pledge 的参与者打电话时，有时候会遇到一个七十岁左右的人，他会说：“你知道，我还不想现在就考虑这件事。”
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.