Tuesday, March 10, 2009

轉貼:B級人生

你想要過A級人生,事業有成薪水頂尖,卻犧牲掉其他全部人生,還是想過 B級人生,寧可降格賺次級收入,卻能享受精采人生?這取決於你如何衡量「人生投資報酬率」。

若是成績單上出現B,大部分人聯想到的,絕對不是「Better」,而是「Bad」。

B這個字母,長期以來被認為是「次等」的表現,每個人都奮力想達到A,甚至A+,彷彿若不能達到A的成績,就是不夠努力與稱職。但人生凡事都追求A,一定能獲得滿足感嗎?

享受生命的充實感

最近「B級人生」的話題,在日本引起不少討論。起因於經濟專家森永卓郎,把人生分成三級:A級人生是「有錢沒閒」;B級人生的「錢少一點,但是有閒」,可算是「有錢有閒」。至於C級人生則是經濟困窘,可能是「有閒沒錢」(如失業者),也可能「沒錢沒閒」(如底層勞動者)。

森永卓郎認為,B級人生是最有滿足感的生活。
若每天工作10幾小時,犧牲家庭與休閒,不惜一切代價追求A級人生,即使賺到A級財富,沒時間享受也是枉費。B級雖然收入次一等,但還是能維持在一定生活水準之上,反而因為付出較少的代價,有時間去做自己想做的事,享受生命的充實感,所以整體生活絕不輸A級。

因此,森永卓郎特別強調「B is Beautiful」,認為「B is Better Than A」。

精算人生投資報酬率

B級人生這種價值觀的出現,有其社會淵源。
作家劉黎兒指出,日本經過長年經濟不景氣,原本「1億國民都是中產階級」的社會,已經不再回頭,轉成「 1%超級精英+99%平庸上班族」的結構,除了極少數A+超級精英之外,99%工作者的薪水都在遞減,再怎麼努力也是枉然。

在這種社會結構下,「一分耕耘、一分收穫」的正比例關係被打破,打拚不再保證出頭天,「努力必有回報」也成為一種欺瞞的說法。因此,許多日本上班族,開始思考「人生投資報酬率」的問題。當付出無法獲得回報,他們不想再無條件賣命給公司,寧可將更多時間用來享受家庭生活,或是經營個人興趣休閒。

B 級上班族雖不是高薪族,但還是有一定生活水準,也還買得起車子等用品。比起將人生全部送給公司的 A+超級精英,誰的人生比較划算,答案不言可喻。

但追求B級人生,是否太消極呢?

一位在媒體任職的劉小姐認為,B級人生重視「人生投資報酬率」,從追求工作表現的「高度」,轉為追求人生多采多姿的「廣度」,這是一種價值選擇的問題,與人生是否積極進取無關。

她以研究所成績為例,一般研究生表現普普大約有85分,稍微認真一點有86分,一定要表現很亮眼才能拿到 90分。她自己每天不眠不休,念完所有原文papers才得到 89分,但其實只要稍微多花點心力念書,已經可以得到 86分。為了多得那3分,劉小姐捨棄了社團活動與假日休閒。
「一學期120天,每天多念3小時書,360小時只換來3分,想想真是划不來;若是拿360小時做其他有意義的事,人生想必更精采。」

劉小姐認為,不論是課業或工作,都適用80╱20法則,亦即80%的成績,來自於20%的付出。
假設你有100小時,只要花20小時做A工作,就能拿到80分,剩下的80小時,你有兩種選擇:

1 精益求精在A工作下苦工,最後拿到滿分100分;

2 去做BCDE四件工作,每件工作投注20小時,各拿到80分,最後總分是5X80=400分。

哪一種時間運用方式,投資報酬率較高,可帶給你更大的滿足感?這就是B級人生所要思考的問題。

作家吳淡如說,「賺錢也賺到人生,才是最大幸福的人。」
人生和金錢的關係有四種可能狀況:賺錢也賺到人生,不賺錢卻賺到人生,賺錢卻賠上人生,不賺錢也賠上人生。前兩者都是成功者,後兩者則為失敗者。賺錢也賺到人生,其實就是B級人生的真義,擁有一定水準的金錢,做自己想做的事情,才是人生的贏家。

本文由《Career職場情報誌》提供

10 comments:

  1. 弊..我係不賺錢也賠上人生...點算??

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  2. 我相信现在香港的困境是, 即使付出100的努力, 可能只有20分.

    ReplyDelete
  3. 我幾大都要 B.

    A 喎,咁辛苦,咪搞我!

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  4. I am looking at it in the course of my life. Knowing that every penny I earn now is worth 4 times as much as a penny earned 20 or 30 years later. I will choose to work more, play less now while I play more and earn less (just let me money do the earning).

    I definitely agree with the fact that earning money aimlessly is a failure, no matter how much money you earn. But then of course, it depends if you enjoy your job or not. Look at Warren Buffet, he lives a relatively frugal life, but I seriously believe that he enjoy making money and playing with stocks and other investments.

    There are also another theory how students ranked in the top 10 but out of top 5 usually do better in life than the one who is usually the top of the class. Because the top 10 student has more time to social and work on the social skills that are essential to success.

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  5. 香港人就是什麼也要a,所以整個城市人階黑面,看這兩天股票起跌就知港人有多要a質生活.比之以往經濟一般時的香港現在的生活質數像退了許多步!

    ReplyDelete
  6. 自由行, 唔喺呀掛!

    小瓶,呢篇野喺海嘯之前嘅。

    校長,我以前囉B喺會比阿媽鬧㗎。

    desertfox,其實我有興趣知,喺咪喺北歐,會較易有B級?(因為個個都喺中產,福利又好?)

    3耳,HK情況我唔知,但係喺UK,都算喺海嘯中心之一,我又真喺唔喺太覺得有好多黑面怨氣。shopping照有,不過啲人冇乜買貴野,但喺佢哋一樣高興。

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  7. Norwegians definitely want to work just enough to support their style of living and then use the rest of the time to do something else they like. Take my ex-colleague for example. He works his job to pay the bills, and then he joins a band and play on evenings.

    The fact is that having money doesn't really buy you much, I mean, how many LV purses are you going to need?

    I need to earn more money by default because I have to support both my parents and Coco's parents in the future, and that we will have to travel to China every year. So that's expenses there as well. In order to achieve that, I will have to work more to make sure I don't ended up in any financial troubles.

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  8. WAI Eric!! This is great stuff to READ!! Can I copy and paste it on my skincare blog? I really really wanna share it. hahaha it's healthy stuff

    ReplyDelete
  9. yeah sure go ahead....

    hahaha I am sure you have more than B cup la

    ReplyDelete