Kristy Shen may be the youngest retiree in Canada.
克里斯蒂可能是加拿大最年轻的养老族。
In 2015, the 31-year-old retired from her job as a computer engineer with $1 million in the bank. Now, she travels the world with her husband Bryce.
2015年的时候，31岁的克里斯蒂从她计算机工程师的职位退休了，银行里还有着100万美元的存款。现在，她正和她的丈夫布莱斯周游世界。
On an episode of Farnoosh Torabi’s podcast So Money, the blogger behind Millennial Revolution explained how she got to $1 million in savings, how she’s structured her portfolio, and how she plans to support herself for the next 50 years.
在托拉比的播客：“所谓金钱”的一集中，“千年革命”背后的博主解释了她是如何攒了100万美元，又是怎么投资的，还有她对后五十年是怎么安排的。
To Shen, "retirement" doesn’t limit you to lounging on a beach. It simply means "you don’t need to work anymore because the passive income from your portfolio pays for your living expenses so you can actually choose to work or not to work at that point," she told Torabi.
对克里斯蒂来说，“退休”并不意味着你要在沙滩上度假。它仅仅意味着“你不必再去上班因为你投资回报可以支付你的生活支出所以事实上你可以选择工作与否。”她告诉托拉比。
However, Shen has found that retirement isn’t necessarily as expensive as you might think.
虽然，克里斯蒂发现退休并不像你你想象的那样昂贵。
I also found that, actually, people don’t realize how much money they’re paying to work, like it’s ridiculous, she told Torabi on the podcast. "How much money you’re paying on commuting to work everyday? How money you have to pay for buying professional clothing and dry cleaning? For people who have kids, how much money they have to pay for daycare and childcare?"
“事实上，我也发现，人们并没有意识到他们工作时的消费，这很愚蠢，”她在播客上告诉托拉比。“上班时你每天的交通费是多少？你买职业装和干洗的费用是多少？对于有孩子的人来说，你花在幼儿园和保姆上的费用又是多少？”
One of the things that people don’t realize until after they reach higher is that their costs go down, because all of those costs that are associated with working completely disappear.
“直到人们老了才发现他们从未注意过的一件事就是他们的消费下降了，因为一切跟工作有关的费用消失了。”
Costs might go down, but that’s only if you’re thoughtful about where you spend. Shen said that to live off dividend income (or other savings and investments) flexibility is key. "What are some of the things that you have to be aware of once you ’retire?’" Torabi asked. "What are these things that you find are necessary to have in place and also to be comfortable with from a lifestyle perspective? What do you have to give up?"
费用可能下降了，但这只发生在你注意到你花费在哪里的时候。克里斯蒂说靠利息（或者其他的存款和投资）收入的灵活*生活性**才是关键。“什么事情是一旦你退休时需要注意的？”托拉比问道。“从生活方式的角度来看，什么是你所必须的并且令你舒适的？什么又是你需要放弃的？”
Here’s Shen:
克里斯蒂是这么说的：
I don’t think it’s so much giving up, it’s more like being flexible and then also prioritizing the things that matter and then not caring about the things that don’t matter. What I mean by that is after we retired, not being fixed to the fact that like, I have to live in Toronto or I have to live in San Francisco or somewhere really expensive. I’m okay, because were no longer tied to a job.
我不认为我失去太多，这更像是灵活面对生活，然后把真正重要的事情放在首位，不去在乎并不重要的事情。我的意思是在我们退休之后，不会再被那些比如说我要住在多伦多或者三藩市这样很贵的地方所束缚。我现在感觉很好，因为我不再被工作桎梏。