读者文摘:长寿与成功的秘诀(8)

22 AUTOMATE¹ YOUR RETIREMENT² SAVINGS³.

让你的退休储蓄自动化。

You can't count on someone bailing⁴ you out if you fail to put away money now for the future life you want to live,

如果你现在没有为你想要的未来生活存钱，你就不能指望别人来救你，

says Sallie Krawcheck, CEO and cofounder of Ellevest, a digital investment platform.

数字投资平台Ellevest的首席执行官兼联合创始人莎莉·克劳切克表示。

Krawcheck recommends having a set amount every month diverted from your paycheck to a tax-advantaged retirement fund,

克劳切克建议，每个月从你的工资中拿出一定数额，转到享有税收优惠的退休基金中，

such as a 401(k) or an IRA, so you never get a chance to spend it.

比如401(k)或个人退休账户，这样你就永远没有机会去花掉它。

Then, every time you get a raise, up your contribution.

然后，每次你得到加薪，就会增加你的退休储蓄。

Aim to set aside 10–15 percent of your income. "It's unsexy. It's boring.

把你收入的10%至15%存起来。“这不怎么动人。很无聊。

But a dollar invested in a 401(k) is worth more than dollar in a regular investing account because of the tax benefits," Krawcheck says.

但由于税收优惠，投资于401(k)计划的1美元要比投资于普通账户的1美元更有价值，”克劳切克说。

"That's how you become the millionaire granny."

“你就是这样成为百万富翁奶奶的。”

23 GET ENOUGH REST. There's a growing amount of data linking sleep deprivation⁵ with disease and other health problems,

充分休息。越来越多的数据表明睡眠不足与疾病和其他健康问题有关，

says Scott Trappe, PhD, director of the human performance lab at Ball State University.

波尔州立大学人类行为实验室主任斯科特·特拉佩博士说。

Studies show that a lack of quality sleep zaps your energy, ups your stress level,

研究表明缺乏高质量的睡眠会消耗你的能量，提高你的压力水平，

hurts your memory, weakens your immune system, and makes you more anxious and depressed⁶.

损害你的记忆力，削弱你的免疫系统，让你更加焦虑和沮丧。

And there's this: In one study, regularly sleeping less than seven hours a night was linked to a 12 percent increased risk of early death.

还有：一项研究发现，经常晚上睡眠少于7小时与早死风险增加12%有关。

1 automate   

v.自动化；使自动化

参考例句：

• Many banks have begun to automate.许多银行已开始采用自动化技术。
• To automate the control process of the lathes has become very easy today.使机床的控制过程自动化现已变得很容易了。

2 retirement   

n.退休，退职

参考例句：

• She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
• I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。

3 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

4 bailing   

（凿井时用吊桶）排水

参考例句：

• Both fountains were going furiously and both pumps bailing with might and main. 两个人的口水只管喷泉似地朝外涌，两个抽水机全力以赴往外抽水。
• The mechanical sand-bailing technology makes sand-washing operation more efficient. 介绍了机械捞砂的结构装置及工作原理，提出了现场操作注意事项。

5 deprivation   

n.匮乏；丧失；夺去，贫困

参考例句：

• Many studies make it clear that sleep deprivation is dangerous.多实验都证实了睡眠被剥夺是危险的。
• Missing the holiday was a great deprivation.错过假日是极大的损失。

6 depressed   

adj.沮丧的，抑郁的，不景气的，萧条的

参考例句：

• When he was depressed,he felt utterly divorced from reality.他心情沮丧时就感到完全脱离了现实。
• His mother was depressed by the sad news.这个坏消息使他的母亲意志消沉。