翻开一本关于金融的宝典，如同握住命运的钥匙。在这十二句金玉良言的指引下，我们将踏上人生下半场，乘风破浪，随波逐流，探索财富的奥秘。

Opening a classic finance book is like holding the key to destiny. Guided by these twelve golden sayings, we will embark on the second half of life, surging forward, riding the waves, and exploring the mysteries of wealth.

1. 答：太够了！有什么比我们的长寿命更大呀！这是我们要面临的事实。未来我们这一代人可能可以活到100到120岁。

1. Answer: More than enough! What could be greater than our long lifespan! This is a fact we have to face. It is possible for our generation to live up to 100 to 120 years in the future.

2. 对于要做事的人，我们要搞定的，无非一张时间表而已。

2. For those who want to get things done, all we need to manage is just a schedule.

3. 不抽象，我们就无法思考；不还原，就看不到本来面目。

3. Without abstraction, we cannot think; without reduction, we cannot see the true nature.

4. 世界上只有一种真正的英雄，就是认清了世界的真相，却仍然热爱它！

4. There is only one true hero in the world, and that is someone who recognizes the truth of the world yet still loves it!

5. 宏观经济就像全球平均气温，微观就是我们每天出门要穿几件衣服，出门上班之前，你会查全球平均气温表吗？宏观是我们必须接受的，微观才是我们有所作为的。

5. Macroeconomics is like the global average temperature, while microeconomics is akin to deciding how many clothes to wear when you go out every day. Before going to work, would you check the global average temperature table? Macroeconomics is something we have to accept, but it is microeconomics where we can make a difference.

6. 一千年有一千年的干法，一个月有一个月的干法。

6. There are different ways to handle things for every thousand years, and different ways for every month.

7. 答：能！只要你有办法，把传统的事再做一遍！

7. Answer: Yes! As long as you have a way to do the traditional thing again!

8. 花光了自己的钱，自己把自己的产品搞崩了，人还在！

8. Spent all of his own money, destroyed his own products, and still, the person is alive!

9. 回到母体，强化母体。把那些古老的东西再做一遍。

9. Return to the mother, strengthen the mother. Do those ancient things again.

10. 普通人的努力，在长期主义的复利下，会积累成奇迹。

10. The efforts of ordinary people, under the compound interest of long-termism, can accumulate into miracles.

11. 创新的本质就是非共识。非共识，从脱离共识，到再造共识。

11. The essence of innovation is dissent. Dissent, from breaking away from consensus, to creating new consensus.

12. 还原世界的能力，是最稀缺的能力。还原的力量及其重要，但它经常被忽略。下半场的修行，就是修炼还原这个世界的能力，练习多元思维模型。

12. The ability to还原 (restore) the world is the most scarce ability. The power of 还原 is incredibly important, but it is often overlooked. The practice in the second half is to cultivate the ability to 还原 the world, to exercise various thinking models.

13. 挑战3，怎么重新定位婚姻？过去，婚姻是成年的第一件事；现在，婚姻是把自己整理好的最后一件事——顶石婚

13. Challenge 3: How to reposition marriage? In the past, marriage was the first thing adults did; now, marriage is the last thing one does after getting oneself in order — the capstone marriage.

14. 你有你的计划，世界却另有计划。既然世界另有计划，今晚我们就重做计划。

14. You have your plan, but the world has another one. Since the world has another plan, let's redraw the plan tonight.

15. 你必须做一个理性乐观派，如果你不乐观，在什么年代都做不成事。让乐观成为自己的性格底色。

15. You must be a rational optimist; if you are not optimistic, you won't be able to accomplish anything in any era. Let optimism be the underlying color of your character.

16. 百岁老人：“我后悔60岁的时候没有学习小提琴，否则我就有40年经验了。”种一棵树最好的时间是十年前，其次就是现在！

16. Centenarian: "I regret not learning the violin at the age of 60, otherwise I would have 40 years of experience." The best time to plant a tree was ten years ago, the second best time is now!

17. 时间是我们来说确实是个大问题，它太长了，长到我们无法为它做出准备。

17. Time is indeed a major issue for us; it is too long, longer than we can prepare for.

18. 你在朋友圈里又佛又丧，你在收藏夹里积极向上

18. You're both spiritual and melancholic on your朋友圈, and positive and uplifting in your bookmarks.

19. 所有事到最后都会是好事，如果还不是，那它就还没到最后！

19. All things will be well in the end; if not, it is not yet the end!

20. 你一心想带着所有人往前走，回头一看一个人都没有，吓死了！

20. You were so focused on leading everyone forward that when you turned back, you saw no one there, and you were scared out of your wits!

21. 小趋势的逻辑里，没有末班车。总有下一班，哪有末班车。

21. In the logic of small trends, there is no last bus. There's always the next one, where's the last bus?

22. 非共识从来没反对什么，只是把我们遗忘的呈现出来。

22. Non-consensus has never opposed anything; it merely presents what has been forgotten by us.

23. 经济变化没得选，但我们有两个选择，一是害怕，二是窃喜别人害怕，属于我们的机会来了。

23. There is no choice but to face economic changes, but we have two choices: one is to be afraid, and the other is to secretly be pleased that others are afraid, because opportunities that belong to us are coming.

24. 所有能穿越时间的东西，就该坚守；所有会被时间过滤的，该翻篇就翻篇。

24. All things that can traverse time should be held onto; those that will be filtered by time should be turned over when necessary.

25. 长期主义，才能成为时间的朋友。一旦中断，前功尽弃。

25. Long-termism is the only way to become a friend of time. Once interrupted, all the previous efforts are wasted.

26. 信用飞轮让企业有了力量，也会让每个人都有力量。

26. The credit flywheel empowers businesses, and it will also empower everyone.

27. 等号的真正意思是，有些东西不重要！很多东西，被“等号”东西丢掉了。

27. The true meaning of the equal sign is that some things are not important! Many things are lost with the "equal sign" thing.

28. 挑战2，我和我的孩子怎么相处？（代际传承的秩序，是这个世界的基本价值纽带。）

28. Challenge 2, how should I interact with my child? (The order of intergenerational inheritance is the fundamental value bond in this world.)

29. 对于做事的人来说，难做就不干了吗？对不做事的人来说，难不难跟他有什么关系 ？

29. For those who like to get things done, do they just give up because it's difficult? For those who don't like to work, what does the difficulty have to do with them?

30. 小趋势不是大趋势的小时候，它的因素是可以推倒的多米诺骨牌。

30. Small trends are not the childhood of big trends; their factors are dominoes that can be knocked over.

31. 挑战5，如何面对挫折？这不是结束，甚至不是结束的开始，只是开始的结束！

31. Challenge 5: How to face setbacks? This is not the end, nor is it the beginning of the end; it's just the end of the beginning!

32. 答：积极向上，是我们二千五百年的精神红利。

Answer: Being positive is the spiritual dividend of our 2,500 years of history.

33. 2018年，原地转圈，等待信息（大家的感受）

33. In 2018, spinning in place, waiting for information (everyone's feelings)

34. 癌症，已经慢性病化，人人都会机会活过100岁。

34. Cancer, having become a chronic disease, means that everyone has the chance to live over 100 years old.

35. 我们很容易忘记，我们生活在一个庞大的、远超于自己感知的力量！

35. We easily forget that we live in a vast world, with powers far beyond our own perception!

36. 宁可被说成是猪，也要站在风口？（从众心理）

36. Would you rather be called a pig than stand in the wind? (Conformist psychology)