必威:致富的秘诀

必威 1

Chance events play a much larger role in life than many people once imagined.

If you're wondering why your peers seem to be prospering way more than you are, it might not be because they're better at their jobs: it's probably just down to random chance, according to a new computer model of wealth simulation.

Most of us have no difficulty recognizing luck when it’s on conspicuous display, as when someone wins the lottery. But randomness often plays out in subtle ways, and it’s easy to construct narratives that portray success as having been inevitable. Those stories are almost invariably misleading, however, a simple fact that has surprising implications for public policy.

如果你奇怪你的同龄人为什么比你混得更好,这也许并不是因为他们更能干,而很可能只是因为他们运气好。这是电脑上的财富模拟模型计算出的最新结果。

Consider the history of the Mona Lisa, perhaps the most famous painting in the world. After having languished in obscurity for most of its early existence, Leonardo da Vinci’s work was pushed into the spotlight in 1911 when it was stolen from the Louvre.

Charting a working lifespan of 40 years, the detailed computer simulation accurately reproduced the wealth distribution model of the real world, but found that those at the top of the money pile were the luckiest, not the most talented.

The widely publicized theft remained unsolved for two years until Vincenzo Peruggia, an Italian maintenance worker at the Louvre, was apprehended after trying to sell the painting to the Uffizi Gallery in Florence, Italy. His arrest provoked a second wave of publicity, with images of the Mona Lisa splashed around the world.

借助于这一详细的模拟算法,电脑准确再现了40年间现实世界的财富分布模式,但却发现,拥有最多财富的是最幸运的那些人,而不是最有才华的那些人。

In the years since, the painting has come to represent Western culture itself. Yet had it never been stolen, most of us would know no more about it than we do of the two obscure Leonardo da Vinci canvases from the same period that hang in an adjacent gallery at the Louvre. Like Kim Kardashian, apparently, the Mona Lisa is famous largely for being famous.

The aim of the study from researchers at the University of Catania in Italy is not to make you despair at the futility of life, but to understand the role that chance plays in the way we invest our time and resources in multiple fields.

As in the art world, so too in the world of work. Almost every career trajectory entails a complex sequence of steps, each of which depends on those preceding it. If any of those earlier steps had been different, the entire trajectory would almost surely have been different, too.

意大利卡塔尼亚大学的研究人员开展的这项研究,目的不是要让你哀叹人生的徒劳,而在于让你理解我们在各个领域投入时间和资源时运气所发挥的作用。

Inevitably, some of those initial steps will have been influenced by seemingly trivial random events. So it is reasonable to conclude that virtually all successful careers entail at least a modicum of luck.

The conundrum they set out to solve is this: if talent, intelligence, willingness to work and other factors that would typically help you get on in life are quite evenly distributed among the population, why isn't wealth?

One’s date of birth can matter enormously, for example. According to a 2008 study, most children born in the summer tend to be among the youngest members of their class at school, which appears to explain why they are significantly less likely to hold leadership positions during high school and thus, another study indicates, less likely to land premium jobs later in life. Similarly, according to research published in the journal Economics Letters in 2012, the number of American chief executives who were born in June and July is almost one-third lower than would be expected on the basis of chance alone.

研究人员想要解决的难题是:如果才华、智力、工作积极性和其他能帮你在人生中获得成功的因素在人群中是均匀分布的,那么为什么财富不是均匀分布的呢?

Even the first letter of a person’s last name can explain significant achievement gaps. Assistant professors in the 10 top-ranked American economics departments, for instance, were more likely to be promoted to tenure the earlier the first letter of their last names fell in the alphabet, a 2006 study found. Researchers attributed this to the custom in economics of listing co-authors’ names alphabetically on papers, noting that no similar effect existed for professors in psychology, whose names are not listed alphabetically.

Broadly speaking, 10 percent of humanity enjoys 85 percent of the wealth, but talent and smartness aren't hoarded by a select few to anywhere near the same extent – so what's the hidden ingredient?

To acknowledge the importance of random events is not to suggest that success is independent of talent and effort. In highly competitive arenas, those who do well are almost always extremely talented and hard-working. As Charlie Munger, the vice chairman of Warren E. Buffett’s holding company, Berkshire Hathaway, has said, “The safest way to get what you want is to try and deserve what you want.”

广义地说,10%的人享有85%的财富,但才华和智慧并不是专属于少数一部分人,有才和聪明的人远远不止10%,那么隐含的致富秘方是什么呢?

Perhaps the most useful advice for someone who aspires to material success is to develop expertise at a task that others value. Such expertise comes not from luck but from thousands of hours of assiduous effort.

"Our simulation clearly shows that such a factor is just pure luck," write the researchers.

But talent and effort are not enough. Luck also matters. Even the most able, industrious people in South Sudan have little chance at success. Success is not guaranteed for deserving people in wealthy countries with highly developed legal and educational institutions and other infrastructure, but it’s substantially more likely.

研究人员写道:“我们的模型清楚地显示,这种因素就是纯粹的运气。”

必威,Being born in a good environment is one of the few dimensions of luck we can control — that is, at least we can decide how lucky our children will be. But as a nation, we’ve been doing a bad job of it for at least a generation. The luckiest are getting luckier even as their numbers shrink. The unlucky population is growing, and its luck is getting worse.

The team started off with 1,000 computer-generated individuals, or agents, though the model can be adapted to any size. Talent is distributed normally around an average level, with some standard deviation – so in the model, everyone has some talent, but no one has a huge amount more or less than anyone else.

These changes have stemmed in part from sharply diminished public support for education. According to a 2015 report by the nonpartisan Center for Budget and Policy Priorities, for example, state spending per student averaged about 20 percent less in 2014-15 than in the 2007-8 school year. More than 70 percent of students who graduated from four-year colleges in 2015 had student loans that averaged $35,000.

该研究团队用电脑生成了1000个个体(模型可生成无限多个个体),才华均匀地分布在每个个体上,部分个体有一些标准偏差,也就是说,在模型中,每个人都有一些才华,但没有哪个人的才华和其他人差距很大。

It’s no surprise, then, that access to the benefits of a college degree continues to depend heavily on family income. According to a study from the Alliance for Higher Education and Democracy, at the University of Pennsylvania, and the Pell Institute for the Study of Opportunity in Higher Education, 77 percent of offspring of families in the top income quartile had earned college degrees by age 24 in 2013, compared with only 9 percent of those from bottom-quartile families. More troubling, the disparity persists even when controlling for precollege academic aptitude scores.

必威 2

The human tendency to underestimate luck’s role has contributed to this troubling state of affairs by reducing the electorate’s willingness to support the public investments that make economic success possible. But the taxes people want to avoid need not be personally painful.

Meanwhile, everyone starts off with the same level of wealth.

Evidence from the social sciences demonstrates that beyond a certain income threshold, people’s sense of well-being depends much more on their relative purchasing power than on how much they spend in absolute terms. If top tax rates were a little higher, all homes would be a little smaller, all cars a little less expensive, all diamonds a little more modest and all celebrations a little less costly. The standards that define “special” would adjust accordingly, leaving most successful people quite satisfied.

与此同时,每个人的财富值在起点都是同样多的。

Happily, there is a simple remedy: Merely prompting people to reflect on their good fortune tends to make them more willing to contribute to the common good, according to a 2010 study published in the journal Emotion. So try to engage your successful friends in discussions about their experiences with luck. In the process, you may increase their willingness to support the kinds of public investments that will enhance the next generation’s odds of success. And you will almost surely hear some interesting stories.

Random events are then introduced into the simulation, which the agents can use to increase their wealth if they're lucky, or which hit their wealth levels if they're unlucky.

之后模型引入了一些随机的事件,如果幸运的话,一些个体可以借助这些事件来增加他们的财富,如果运气差的话,这些事件会让部分个体的财富减少。

When the final results were analysed, the wealth distribution looked much like it does in the real world, with around 20 percent of people owning 80 percent of the wealth. The simulation was repeated several times to check its integrity.

在分析最终结果时,财富的分布和现实世界非常相似,20%的人拥有80%的财富。模型重复运行了好几次,来确认其一致性。

But the wealthiest 20 percent were not the most talented 20 percent, or indeed the least talented 20 percent: "the maximum success never coincides with the maximum talent, and vice-versa" according to the researchers.

但是最富有的20%并不是最有才华的20%,也不是最没有才华的20%,研究人员表示:“最大的成功从来也不会和最多的才华重合,反之亦然。”

In fact, the top earners ended up being those with talent somewhere near the general average. What's more, the people at the top of the wealth pyramid had experienced the luckiest events during their simulated lives, while those at the bottom had been hit by the unluckiest ones.

事实上,最后挣得最多的人往往是那些才华接近平均线的人。而且,位于财富金字塔顶层的人在模拟人生中经历过最幸运的事情,而那些位于金字塔底层的人曾遭遇过最不幸的事情。

The team behind the study now want to explore how the model can be used to maximise investments in everything from science funding to business practices. For example, it may be wise to invest resources equally among companies, rather than focusing on the people who've been most successful in the past, if luck plays such a big role.

该研究团队现在想探究如何运用模型实现科学基金和商务活动等各种投资的收益最大化。打个比方,如果运气是如此重要,也许明智的做法是将资源均等地投入到多个公司,而不是将资源投入到以往最成功的那些人身上。

"If it is true that some degree of talent is necessary to be successful in life, almost never the most talented people reach the highest peaks of success, being overtaken by mediocre but sensibly luckier individuals," conclude the researchers.

研究人员总结道:“即便一定程度的才华确实是成功人生的必要条件,但是最有才华的人往往不能获得最大的成功,打败他们的是那些资质平凡但相当幸运的人。”

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