2010年股东大会 · 早期养成好的理财习惯为何如此重要 — 文稿

F10:00

可以做些什么，来教育孩子们理解这位 Omaha Sage 的成功理财理念，同时避免我们大家在二零零七年和二零零八年都看到并亲身经历过的那种金融混乱再次发生呢？

What can be done to educate the children about the Sage of Omaha's philosophy of successful money management and to prevent another recurrence of the financial mayhem that we've all seen and experienced in the 2007 and 2008 years?

M10:23

这个我们再看吧。

We will see.

你说的那种金融混乱，会时不时发生。

Financial mayhem, as you put it, from time to time.

我希望我们能减少这种情况。

I hope we reduce it.

我也希望我们能把它的严重程度降下来，诸如此类。

I hope we reduce the magnitude, etc.

但人们就是会做疯狂的事，这跟 IQ 没有关系，有时候跟受教育程度也没关系。

But people do crazy things, and it's not a function of IQ, and sometimes it's not a function of education.

事实上，我甚至会说，过去三十年里发生的这些问题当中，有一部分，而且还不是小部分，恰恰是因为那些顶尖商学院里流行起来的所谓主流常识。

In fact, I would argue that some of the problems, and not a small part of what's occurred in the last 30 years, has been because of what became the prevailing conventional wisdom in the leading business schools.

所以，呃，对于要时不时去改变人类这种疯狂劲儿，我并没有特别乐观。

So, uh, I'm not particularly positive about modifying the madness of mankind from time to time.

不过，前面问题的第一部分，倒正是我们这部片子里在讲的事——我确实相信，养成好的理财习惯，当然还有其他各种习惯，但我现在主要说的是理财习惯。

The first part, though, however, is the kind of thing that in our movie— I really do believe that getting good financial habits, other kinds of habits too, but what I'm thinking about here is primarily financial habits.

M21:18

对。

Yeah.

M11:19

这些习惯如果能在人生早期就养成，会重要得不得了。

Getting those early in life is enormously important.

我的意思是，Charlie 和我大概算是很幸运，我们成长的家庭环境里，会不断收到各种没有明说的人生教导，既包括怎么过日子，尤其也包括怎么处理财务。

I mean, Charlie and I were probably lucky that we grew up in households where we were getting all kinds of unspoken lessons, even in terms of how to handle our life, but in particular how to handle finances.

但不是每个人都有这样的机会。

And not everybody gets that.

还有，呃，Andy Heyward 这个人，三四年前他做 Liberty's Kids 做得特别出色，用那部作品来教美国历史，呃，现在他又提出了这个 Secret Millionaires Club 的点子。

And, uh, Andy Heyward, who did a terrific job with Liberty's Kids in teaching about the history of America 3 or 4 years ago, uh, has come up with this idea of the Secret Millionaires Club.

如果我们能触达到百分之二、百分之三，或者百分之五，不管具体是多少，能让这些孩子得到一些他们原本未必会接触到的想法，并且围绕这些想法建立起一些习惯，你知道，这不会改变世界，但会对他们的人生产生正面的帮助。

And if we get through to 2 or 3% or 5% or whatever it may be of the kids in terms of giving them some ideas they might not otherwise have, and they build some habits around it, you know, it isn't going to change the world, but it can be a plus in their lives.

尽早养成理财习惯非常重要，而且你知道，Charlie 和我都非常推崇 Ben Franklin。

It is very important to get the financial habits and really, you know, Charlie's a big fan, and so am I, of Ben Franklin's.

几百年前他就在教这些习惯了。

And he was teaching those habits a couple hundred years ago.

所以我们只是想把 Ben Franklin 的这些想法拿过来，做得更有趣一点，变成给孩子们听的，嗯，算是故事吧。

So we're just going to try and take Ben Franklin's ideas and make them entertaining on, you know, for children's, um, uh, stories, in effect.

呃，我——这就是我觉得你应该去做的事。

Uh, and I, that's— I think that's about what you should be doing.

我不认为——我觉得，说实话，在小学阶段打好学习基础，比起到了后面去拿高级学位、上研究生院那一套习惯，要重要得多。

I don't think— I think it's much more important to have good learning at the elementary level than, frankly, the habit at the— in terms of advanced degrees and graduate schools.

Charlie？

Charlie?

M22:48

对，美国还有一些很了不起的教育机构，也在帮助解决这个问题。

Yeah, there are other great educational institutions in America that help handle this problem.

我最佩服的其中一个就是 McDonald's。

One of the ones I admire most is McDonald's.

有一次我在一所大型大学里还开过个玩笑，我说我觉得 McDonald's 在教育人这件事上，比大学里的那些人做得还更成功。

I had fun once at a major university when I said I thought McDonald's succeeded better as an educator than the people in the university did.

我的意思是，McDonald's 雇了很多人在刚开始工作的时候其实处在比较边缘的状态，而他们在那里学会了按时上班，也学会了遵守纪律。

And what I meant was McDonald's hires a lot of people who are quite marginal at the very start of their working career, and they learn to show up on time for work and observe the discipline.

他们当中很多人后来在职业发展上去了高得多的位置，而 McDonald's 在教育很多原本可能会掉队的人学会承担责任这件事上，起到了非常巨大而且建设性的作用。

A lot of them go on in employment to much higher jobs, and they've had an enormous constructive effect about educating into responsibility a lot of people who were threatened with not making it.

所以我觉得，我们大家都亏欠 McDonald's 的用工文化很多，只不过这一点没有得到足够的重视。

So I think we all owe a lot to the employment culture of McDonald's, and it's not enough appreciated.