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到底有没有“理想”工资? 6位女性探讨多少工资是足够的

到底有没有“理想”工资? 6位女性探讨多少工资是足够的

ANNE-LYSE WEALTH 2022-04-20
事实证明,金钱在一定程度上可以买得到幸福。

2010年,普林斯顿大学(Princeton University)的一项研究认为,随着一个人的年收入超过75,000美元,其幸福感将不再提升。但最近的研究认为,即使年收入超过75,000美元,幸福感也会继续提升。事实证明,金钱在一定程度上可以买得到幸福。

虽然美国的贫富差距不断加剧,但似乎依旧有人在一夜暴富。亿万富翁的人数持续增加,仅2021年就新诞生了660名亿万富翁。《财富》500强公司CEO的薪酬可能高达数亿美元。亚马逊(Amazon)等大型科技公司不断提高薪酬水平,将最高基本年薪提高到35万美元,这还不包括股票期权。

显然,并非所有人都能领到丰厚的薪酬。但如果你渴望再次升职,你或许会问多少工资才是足够的?多少工资或投资账户余额能让你感觉自己是成功人士?为此你需要做出哪些牺牲?

不存在一个魔法数字

每个人对“足够”这个概念的理解是不同的。每个人在生活中都有不同的目标和志向,你对于“足够”的定义应该体现个人的状况。如果让社会支配你的金钱目标,你就会冒着不满足和追求错误目标的风险。

CNET Money的个人理财专家兼主编法诺时·图拉比表示:“你很容易觉得你的自我价值与这个数字挂钩。不妨后退一步问问自己:你想要过什么样的生活?有没有尚未实现的目标?第一步是确定对你而言什么是‘足够的’。”

CNET Money的法诺时·图拉比建议,花时间设想自己的理想生活,明确对自己最重要的事情,然后量化为实现这些目标所需要的金钱,永远都是明智的做法。图片来源:Dirty Sugar Photography

做好调研

虽然很难计算出多少薪酬才是足够的,但花时间设想自己的理想生活,明确对自己最重要的事情,然后量化为实现这些目标所需要的金钱,永远都是明智的做法。图拉比强调,如果你想弄清楚多少薪酬对自己是足够的,明确自己的目标和你想对世界产生的影响至关重要。

金融科技创业者和畅销书作家萨曼塔·艾托斯表示:“判断对自己足够的薪酬是多少,要取决于自己的生活方式、有多少人需要你的照顾以及他们的需求等。你需要决定什么是让你的生活充实的重要因素,然后努力去争取。”

金融科技创业者和畅销书作家萨曼塔·艾托斯表示:“判断对自己足够的薪酬是多少,要取决于自己的生活方式、有多少人需要你的照顾以及他们的需求等。图片来源:Bader Howar

当你拿出时间思考多少薪酬足以代表你的价值时,你内心可能早已有一个数字。如果你还不确定该从何处着手,不妨考虑了解一下FIRE运动。FIRE是指“经济独立,提前退休”。虽然其中强调的提前退休这个目标可能并不适合所有人,但该运动的框架可以帮助你确定为实现经济独立需要达到的薪酬水平。

将目前的(或理想的)年度支出乘以25就是你的薪酬水平。“百分之四规则”的原理是,你每年可以提取4%的资金,但不会面临钱被花光或者动用投资本金的风险。

当然,这个计算过程并不完美。FIRE运动的批评者总是说,它是在鼓励人们减少许多开支,导致他们无法享受生活。随着人的寿命延长,4%的提取规则也可能过于激进,等到人们退休后可能会花光积蓄。

但你可以通过一些简单的数学计算,了解自己维持生活的成本。明确自己想要的生活和希望达到的收入水平是一个良好的起点。

了解薪酬要求的变化

大多数人最初想到的数字会随着生活变化而变化。

创业者安吉拉·易表示:“我想照顾社区中的其他人,给社区带来积极的变化,但这需要钱。”图片来源:Matthew Brown

连续创业者、入选“广播名人堂”(Radio Hall of Fame)的安吉拉·易表示:“我以前的收入达到六位数,可以度假,还有自己的房子,我对这一切很满意。”某一天,易作为中间人促成了两个人之间的一笔交易,获得15万美元。 “在那之后,我决定要赚100万美元,为了赚的更多,我要变得更有头脑。我经常思考如何投资。我需要的是让钱生钱。”

研究员兼助理教授阿缇亚·埃弗里在25岁的时候,对自己的工资很满意,因为她能存下接近60%的收入。但在之前的工作岗位经过一次审计之后,她意识到自己的收入可能比从事类似岗位的同事少50%至70%,这对她的财务目标产生了巨大影响。

研究员兼助理教授阿缇亚·埃弗里表示:“我有优渥的生活,但我想赚更多钱,因为金钱意味着自由。”图片来源:Jasmine Mathis

埃弗里表示:“这次审计让我意识到我低估了自己的价值。我暗自发誓,永远不要再有收入与自身价值不符的情况发生。我有优渥的生活,但我想赚更多钱,因为金钱意味着自由。”

图拉比表示:“我一直在努力赚钱。我一度有六份副业。但现在,我很幸运不需要每天早上醒来就得考虑要赚更多钱。但我始终会留意赚钱的机会。每当听说有机会赚钱,我都不会放过。”

不应该因为想获得更高的收入而产生罪恶感

白人男性CEO通常能领到巨额薪酬,而女性和有色人种常常被劝阻不要想赚更多钱,这种想法总是被描绘成过于野心勃勃。因此,许多女性害怕争取更高薪酬,或许我们在确定薪酬目标的时候低估了自己。

在创建咨询公司时,埃利·迪奥普给自己设定的目标是月收入10,000美元。她很快就超额实现了这个目标,并在一年内将这家公司打造成一家价值数百万美元的公司。迪奥普希望拓展自己的事业,获得更高收入,但想到自己目前的成就,她有时却会产生一种罪恶感。

商业导师兼顾问埃利·迪奥普表示:“我感恩目前所拥有的一切,但我有更远大的目标,有时候会觉得自己想要的太多而产生罪恶感。”图片来源:Abiel Keli

她说道:“我在三年前失业,不得不依靠电子福利转账支付孩子的生活费。我感恩目前所拥有的一切,但我有更远大的目标,有时候会觉得自己想要的太多而产生罪恶感。”

女性经常会担心,为了实现远大的经济和职业目标,必须在某些方面做出牺牲,比如陪伴家人的时间。

图拉比表示:“我曾担心如果努力赚到一百万美元,我可能要付出高昂的代价,牺牲我的生活质量。我以为收入数百万美元的人不会拿出时间陪伴孩子,因为他们忙于赚钱。于是我不得不重新思考赚更多钱和我的生活需要付出的代价这个复杂的问题。这改变了我的认知。”

人们还会对这些远大的目标感到羞愧,认为讨论这些目标都是禁忌。

易表示:“我的男同事经常讨论他们正在努力实现的目标。我则会轻描淡写,不想过多讨论。我不太适应像他们一样讨论这些问题。”

但艾托斯认为,女性应该以更开放的心态谈论自己的经济目标,这一点很重要。“我人生的使命之一是让女性更愿意谈论自己的经济目标。我认为,如果更多女性自豪地谈论金钱和她们的雄心壮志,所有女性的经济状况都将得到改善。”

明确为什么你希望获得更高收入

你不需要向任何人解释,但你自己应该明白想赚更多钱的原因,否则你可能无休止地追求更多金钱,却毫无成就感。我所采访过的女性,没有人认为她们会在某一天感觉自己已经不需要继续挣钱。但促使女性努力挣钱的一个重要驱动因素是她们渴望利用自己的收入从事慈善事业,而更高收入让她们可以做更多好事。

易表示:“我想照顾社区中的其他人,给社区带来积极的变化,但这需要钱。但作为一名黑人女性,我永远不可能只考虑自己。我们认为有义务帮助家庭成员,无论这是家人施加在我们身上的责任,还是我们主动承担的义务。”

在讨论多少薪酬是足够的这个问题时,如果你的目标不再是购买华美的衣服或昂贵的汽车,而是投入到你真正关心的人和项目时,这个话题的方向已经发生了改变。

财经素养倡议者、2019年纽约州年度母亲贾塔利·贝兰顿。图片来源:Collette Bonaparte

财经素养倡议者、2019年纽约州年度母亲贾塔利·贝兰顿表示:“我的财富理念是能够创造可持续性、带动慈善事业和给其他人带来创造财富的机会。我的钱永远都没有足够的时候,因为我把所有钱都用于帮助其他人,遇到其他人我都会想要帮助他们。目前全球有7亿穷人,我希望帮助尽可能多的人摆脱贫困,所以我的财富必须持续增长。”(财富中文网)

翻译:刘进龙

审校:汪皓

2010年,普林斯顿大学(Princeton University)的一项研究认为,随着一个人的年收入超过75,000美元,其幸福感将不再提升。但最近的研究认为,即使年收入超过75,000美元,幸福感也会继续提升。事实证明,金钱在一定程度上可以买得到幸福。

虽然美国的贫富差距不断加剧,但似乎依旧有人在一夜暴富。亿万富翁的人数持续增加,仅2021年就新诞生了660名亿万富翁。《财富》500强公司CEO的薪酬可能高达数亿美元。亚马逊(Amazon)等大型科技公司不断提高薪酬水平,将最高基本年薪提高到35万美元,这还不包括股票期权。

显然,并非所有人都能领到丰厚的薪酬。但如果你渴望再次升职,你或许会问多少工资才是足够的?多少工资或投资账户余额能让你感觉自己是成功人士?为此你需要做出哪些牺牲?

不存在一个魔法数字

每个人对“足够”这个概念的理解是不同的。每个人在生活中都有不同的目标和志向,你对于“足够”的定义应该体现个人的状况。如果让社会支配你的金钱目标,你就会冒着不满足和追求错误目标的风险。

CNET Money的个人理财专家兼主编法诺时·图拉比表示:“你很容易觉得你的自我价值与这个数字挂钩。不妨后退一步问问自己:你想要过什么样的生活?有没有尚未实现的目标?第一步是确定对你而言什么是‘足够的’。”

做好调研

虽然很难计算出多少薪酬才是足够的,但花时间设想自己的理想生活,明确对自己最重要的事情,然后量化为实现这些目标所需要的金钱,永远都是明智的做法。图拉比强调,如果你想弄清楚多少薪酬对自己是足够的,明确自己的目标和你想对世界产生的影响至关重要。

金融科技创业者和畅销书作家萨曼塔·艾托斯表示:“判断对自己足够的薪酬是多少,要取决于自己的生活方式、有多少人需要你的照顾以及他们的需求等。你需要决定什么是让你的生活充实的重要因素,然后努力去争取。”

当你拿出时间思考多少薪酬足以代表你的价值时,你内心可能早已有一个数字。如果你还不确定该从何处着手,不妨考虑了解一下FIRE运动。FIRE是指“经济独立,提前退休”。虽然其中强调的提前退休这个目标可能并不适合所有人,但该运动的框架可以帮助你确定为实现经济独立需要达到的薪酬水平。

将目前的(或理想的)年度支出乘以25就是你的薪酬水平。“百分之四规则”的原理是,你每年可以提取4%的资金,但不会面临钱被花光或者动用投资本金的风险。

当然,这个计算过程并不完美。FIRE运动的批评者总是说,它是在鼓励人们减少许多开支,导致他们无法享受生活。随着人的寿命延长,4%的提取规则也可能过于激进,等到人们退休后可能会花光积蓄。

但你可以通过一些简单的数学计算,了解自己维持生活的成本。明确自己想要的生活和希望达到的收入水平是一个良好的起点。

了解薪酬要求的变化

大多数人最初想到的数字会随着生活变化而变化。

连续创业者、入选“广播名人堂”(Radio Hall of Fame)的安吉拉·易表示:“我以前的收入达到六位数,可以度假,还有自己的房子,我对这一切很满意。”某一天,易作为中间人促成了两个人之间的一笔交易,获得15万美元。 “在那之后,我决定要赚100万美元,为了赚的更多,我要变得更有头脑。我经常思考如何投资。我需要的是让钱生钱。”

研究员兼助理教授阿缇亚·埃弗里在25岁的时候,对自己的工资很满意,因为她能存下接近60%的收入。但在之前的工作岗位经过一次审计之后,她意识到自己的收入可能比从事类似岗位的同事少50%至70%,这对她的财务目标产生了巨大影响。

埃弗里表示:“这次审计让我意识到我低估了自己的价值。我暗自发誓,永远不要再有收入与自身价值不符的情况发生。我有优渥的生活,但我想赚更多钱,因为金钱意味着自由。”

图拉比表示:“我一直在努力赚钱。我一度有六份副业。但现在,我很幸运不需要每天早上醒来就得考虑要赚更多钱。但我始终会留意赚钱的机会。每当听说有机会赚钱,我都不会放过。”

不应该因为想获得更高的收入而产生罪恶感

白人男性CEO通常能领到巨额薪酬,而女性和有色人种常常被劝阻不要想赚更多钱,这种想法总是被描绘成过于野心勃勃。因此,许多女性害怕争取更高薪酬,或许我们在确定薪酬目标的时候低估了自己。

在创建咨询公司时,埃利·迪奥普给自己设定的目标是月收入10,000美元。她很快就超额实现了这个目标,并在一年内将这家公司打造成一家价值数百万美元的公司。迪奥普希望拓展自己的事业,获得更高收入,但想到自己目前的成就,她有时却会产生一种罪恶感。

她说道:“我在三年前失业,不得不依靠电子福利转账支付孩子的生活费。我感恩目前所拥有的一切,但我有更远大的目标,有时候会觉得自己想要的太多而产生罪恶感。”

女性经常会担心,为了实现远大的经济和职业目标,必须在某些方面做出牺牲,比如陪伴家人的时间。

图拉比表示:“我曾担心如果努力赚到一百万美元,我可能要付出高昂的代价,牺牲我的生活质量。我以为收入数百万美元的人不会拿出时间陪伴孩子,因为他们忙于赚钱。于是我不得不重新思考赚更多钱和我的生活需要付出的代价这个复杂的问题。这改变了我的认知。”

人们还会对这些远大的目标感到羞愧,认为讨论这些目标都是禁忌。

易表示:“我的男同事经常讨论他们正在努力实现的目标。我则会轻描淡写,不想过多讨论。我不太适应像他们一样讨论这些问题。”

但艾托斯认为,女性应该以更开放的心态谈论自己的经济目标,这一点很重要。“我人生的使命之一是让女性更愿意谈论自己的经济目标。我认为,如果更多女性自豪地谈论金钱和她们的雄心壮志,所有女性的经济状况都将得到改善。”

明确为什么你希望获得更高收入

你不需要向任何人解释,但你自己应该明白想赚更多钱的原因,否则你可能无休止地追求更多金钱,却毫无成就感。我所采访过的女性,没有人认为她们会在某一天感觉自己已经不需要继续挣钱。但促使女性努力挣钱的一个重要驱动因素是她们渴望利用自己的收入从事慈善事业,而更高收入让她们可以做更多好事。

易表示:“我想照顾社区中的其他人,给社区带来积极的变化,但这需要钱。但作为一名黑人女性,我永远不可能只考虑自己。我们认为有义务帮助家庭成员,无论这是家人施加在我们身上的责任,还是我们主动承担的义务。”

在讨论多少薪酬是足够的这个问题时,如果你的目标不再是购买华美的衣服或昂贵的汽车,而是投入到你真正关心的人和项目时,这个话题的方向已经发生了改变。

财经素养倡议者、2019年纽约州年度母亲贾塔利·贝兰顿表示:“我的财富理念是能够创造可持续性、带动慈善事业和给其他人带来创造财富的机会。我的钱永远都没有足够的时候,因为我把所有钱都用于帮助其他人,遇到其他人我都会想要帮助他们。目前全球有7亿穷人,我希望帮助尽可能多的人摆脱贫困,所以我的财富必须持续增长。”(财富中文网)

翻译:刘进龙

审校:汪皓

A 2010 Princeton University study argues that well-being stops improving as income increases beyond $75,000 a year. But more recent research says that well-being continues to increase even past the $75,000 mark. Turns out money can buy you some degree of happiness.

It can seem as though people are getting rich seemingly overnight, even as wealth inequality grows. The number of billionaires keeps rising—660 new billionaires were minted in 2021 alone. Fortune 500 CEOs can bring home pay packages worth hundreds of millions of dollars. And the Big Tech companies like Amazon are raising maximum base pay to $350,000 annually—and that’s before stock options are factored in.

Obviously, not everyone is going to enjoy such big paydays. But as you're gunning for the next promotion, you might find yourself asking, how much money is enough? Is there a salary or investment account balance to aim for when you can feel like you’ve made it? And what do you have to sacrifice to get there?

There is no magic number

The concept of “enoughness” varies from one person to the next. We each have different goals and aspirations in life, and how you choose to define what enough means should reflect that. When you let society dictate your money goals, you run the risk of being unsatisfied and chasing the wrong thing.

"It's easy to fall into feeling like your self-worth is tied to this number,” says Farnoosh Torabi, personal finance expert and editor at large of CNET Money. “Take a step back and ask yourself: What is the life that you want? Do you have unmet goals? The first step is to figure out what that 'enoughness' is for you."

Do your research

While it might seem difficult to work out how much is enough, it’s never a bad idea to take the time to envision your ideal life, what matters to you, and then quantify how much money you’d need to achieve that. Torabi emphasizes the importance of figuring out your goals and the type of impact you want to have on the world when you're trying to figure out what your enough is.

"Determining your own number is based on your lifestyle, how many people you're caring for, and what their needs are,” says Samantha Ettus, a fintech entrepreneur and bestselling author. “It's about deciding what is important to make your life fulfilling and then going for that.”

As you take the time to figure out what enough represents for you, you might have an income number in mind. If you’re not even sure where to begin, you might consider checking out the FIRE movement. FIRE stands for “financial independence, retire early.” Though the name emphasizes early retirement—a goal that isn’t for everyone—the movement’s framework can assist you in determining the number you need in order to reach financial independence.

To get to your number, you multiply your current (or ideal) annual expenses by 25. The “four percent rule” is the idea that you can withdraw 4% of your portfolio every year without risking running out of money or touching your investment principal.

This isn’t perfect math, of course. Critics of the FIRE movement often say that it encourages people to cut so many expenses that they don't enjoy life. The 4% withdrawal rule might also be aggressive as people live longer, and they could potentially run out of money later in retirement.

But it can be helpful to know that there is some simple math you can do to understand just how much it costs to support your life. Having a vision for how you want to live and an income amount you want to reach are good starting points.

Understand that your number might evolve

Most of us start with one number in mind, but that number evolves as life changes.

"I used to be content making six figures, going on vacation, and owning a home,” says Angela Yee, Radio Hall of Fame inductee and serial entrepreneur. Then, one day, Yee earned $150,000 to broker a business deal between two people. “After that, I decided I wanted to make a million dollars and work smarter to earn more. I'm always thinking about how to invest. I need my money to make money.”

Atiya Avery, a researcher and assistant professor, was happy with her salary in her mid-twenties—and she was able to save close to 60% of her income. But after an audit at a previous job, she realized that she was earning 50% to 70% less than coworkers in similar roles, and it had a huge impact on her financial goals.

"That audit made me realize that I was undervaluing myself. I promised myself that I would never be in a situation again where I was not earning my worth. I make a good living, but I want to earn more because money is freedom," Avery says.

"I'm always in a place where I am inviting money into my life,” says Torabi. “I had six side hustles at one point. But today, I'm fortunate that I don't have to wake up every morning and think about how I will make more money. But I will always keep my eye out. And when I hear of a good opportunity, I'll go for it."

You should not feel guilty for wanting to earn more

While white male CEOs are frequently celebrated for their huge pay packages, women and people of color are often discouraged for wanting to earn more money, called out for being too ambitious. As a result, many of us are afraid of striving for more—and we’re probably selling ourselves short when making plans for how much we want to earn.

When she started her consulting business, Ellie Diop set a goal to earn $10,000 a month. She quickly surpassed that goal and built a multimillion-dollar company in one year. Diop wants to do more and make more money, but she sometimes struggles with guilt when she thinks about how far she has come.

"Three years ago, I lost my job and had to use EBT to help cover the cost of food for my kids,” she says. “I'm grateful for what I have, but I have bigger goals, and sometimes I feel guilty for wanting more."

Among women, there’s often a fear of what you’ll have to sacrifice—time with family, for one—in order to achieve those big financial and career goals.

"I was worried that if I strived to make a million dollars, that would come at a high cost to my quality of life,” says Torabi. “I thought that the people who made millions of dollars did not spend time with their kids because they were busy trying to make millions of dollars. So I had to rethink this equation of making more and what that would require in my life. That was a game changer."

And then there is the shame over having these big goals and the taboo over discussing them.

"I work with men, and they talk a lot about what they're working on,” says Yee. “And I downplay what I have and don't discuss it as much. It's something that I'm not as comfortable discussing as they are."

But Ettus argues it’s important for women to be more open about their financial goals. "One of my missions in life is to get women more comfortable talking about their financial goals. I think the more women talk about money and their ambitions with pride, the better off all women will be."

Be clear on why you want to earn more

You shouldn't have to explain to anyone else why you want to earn more money. But personally, you should be clear on why you do, or you might end up in an endless and unfulfilling chase for more. None of the women I spoke with think they'll ever reach a point of feeling like they don't need to earn anymore. But one of their big motivators is the desire to use some of the money they earn toward charitable goals—and higher paychecks allow them to do more good.

"I want to take care of people and create positive change in my community, which takes money,” says Yee. “But I think as a Black woman, it's never just about you. And whether our families put that on us, or we put that on ourselves, we feel this obligation to help family members."

The conversation on how much is enough shifts when it’s less about buying fancy clothes or expensive cars and more about investing in people and projects you really care about.

"My idea of wealth is being able to create sustainability, philanthropy, and opportunities for other people to create wealth,” says Jatali Bellanton, financial literacy advocate and 2019 New York State Mother of the Year. “It will never be enough money for me because, for every amount I spend helping someone, I find another person I would love to help by the next day. There are over 700 million poor people globally, and I want to help as many people as possible without becoming part of the statistics, so my wealth must continue to increase."

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