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We combed the latest research and talked to health, financial, and wellness experts
我們梳理了最新的研究，并與健康、金融和康健專家進(jìn)行了交談，
to uncover the most important things you can do to keep the spring in your step
以發(fā)現(xiàn)你可以做的最重要的事情，從而保持你的輕快的步伐，
and a healthy balance in your bank account through the years.
使你的銀行賬戶多年保持一個健康的平衡。
Start by taking the Live Long & Prosper Quiz to get a sense of how prepared you are now,
先來做個關(guān)于長壽和成功的小測試，看看你現(xiàn)在準(zhǔn)備得怎么樣了，
then read on to see what the experts recommend for everyone—including themselves.
然后接著往下讀，看看專家們對每個人的建議——包括他們自己。
(Yes = 1 point, No = 0 points.)
（答案為是得一分，答案為否得零分）
Part one: The Live Long & Prosper Quiz
第一部分，長壽和成功的小測試
1)Do you claim your employer's 401(k) match?
你會申請雇主的401(k)計劃嗎？
Americans miss out on an estimated $24 billion in unclaimed matches.
據(jù)估計，美國人在無人認(rèn)領(lǐng)的款項中損失達(dá)240億美元。
2)Do you eat beans three times a week or more?
你一周吃三次豆子還是更多？
When longevity researcher Dan Buettner was studying the earth's longest-living people, located in so-called Blue Zones,
當(dāng)長壽研究員丹·比特納研究地球上位于所謂的藍(lán)色樂活區(qū)的最長壽的人時，
he learned that the cornerstone of every Blue Zone diet is beans.
他了解到藍(lán)色樂活區(qū)飲食的基礎(chǔ)是豆類。
Blue Zoners eat about four times as many beans as the average American.
他們吃的豆子是普通美國人的四倍。
Beans are loaded with protein, iron, and zinc; they also contain fiber, folate, and potassium,
豆類富含蛋白質(zhì)、鐵和鋅；它們還含有纖維、葉酸和鉀，
and they're low in fat. Buettner even includes them in his breakfast.
而且它們的脂肪含量低。比特納甚至也將它們加入自己的早餐中。
3)Have you applied for a new credit card recently?
你最近申請過新的信用卡嗎？
Credit cards offer all sorts of benefits, from cash back to points to interest-free promotional periods, and they can mean money for you.
信用卡提供各種各樣的優(yōu)惠，從現(xiàn)金返還到積分，再到無息促銷期，它們對你來說意味著金錢。
Of course, you need to avoid interest charges and pay the full balance every month.
當(dāng)然，你需要避免利息費用，并且每月支付全部余額。
But if your credit score is high (700+), taking out a new card every year or two to reap the newest reward isn't going to significantly dent it.
但如果你的信用評分很高(700+)，那么每一兩年換一張新卡來獲得最新的獎勵并不會顯著降低評分。
4)Did you take a nice long vacation last year?
你去年度過了一個愉快的長假嗎？
According to a 40-year study of European businessmen,
根據(jù)一項對歐洲商人長達(dá)40年的研究，
participants who took fewer than three weeks of vacation annually were 37 percent
與那些不節(jié)省休假時間的人相比，
more likely to die in a given year than those who didn't skimp on taking time off.
每年休假少于三周的人在特定年份死亡的可能性大37%。
5)Have you considered investing in exchange traded funds (ETFs)?
你曾否考慮投資交易所交易基金？
Like mutual funds, ETFs invest in a range of stocks, bonds, and commodities, which helps spread the overall risk.
與共同基金一樣，交易所交易基金投資于一系列股票、債券和大宗商品，這有助于分散整體風(fēng)險。
But ETFs have much lower fees because they don't have teams of managers making decisions about what to invest in, and they often cost you less in taxes.
但是交易所交易基金的費用要低得多，因為它們沒有管理團隊來決定投資什么，而且它們的稅收成本通常也更低。
