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On the bus to the Hong Kong airport a while back I sat down next to a well rounded man in his forties who wore comfortable jeans and a black nylon jacket. He was wearing a Yankees cap, so I naturally began talking to him. His deep rumbling voice hinted at a man of authority. It turned out he majored in finance, too, in his younger days when he was at university. After ten years in the brokerage arm of large investment banks (brokers act as the middleman between large investors and financial markets), he was now an exporter out of China. After talking to him I can’t help but wonder whether I was sitting next to my future self, returned to the past to give me advice.

When I told him I too was a finance major, we got to talking about MBA’s. He was against the MBA in his case purely because it just didn’t make economic sense. He was offered an opportunity at Smith & Barney Co. (now part of Morgan Stanley) and completed a fully paid MBA program from one of the top schools. The MBA would only slightly increase his pay, but it would help him move into the investment banking arm (where large commissions can be earned on big deals). However, he would be tied down an additional three years to the company afterwards, something he did not see as particularly appealing.

“Anyway I felt like the king, had everything I wanted,” he said. He paused, “but the work got tiring. One day my boss tore me to pieces for breaking his dark-suit standard at a meeting. He went off his rocker.”

“I didn’t even know the pressure on me until I quit,” he said, “like the weight had been lifted.”

Now he was exporting electronic chips made from Dongguan, a large high tech special concession zone in Southern China.

“We make 15 times the cost, instead of 16 times like we did five years ago,” He said. Not bad margins. “Anyway, I’ll do it for another ten years, add a few more houses (to his sizeable collection), then retire and travel the world.” He added, “My best friend is still in the business, he’s so stressed out he’ll barely make it past 50.”

I thought for a while how sometimes life puts people in your path at critical junctions. I was still mulling over my decision to leave my own brokerage job as the bus sped past Hong Kong’s ubiquitous advertisements before it gave way to the red steel supports of its large containment docks. I’m not sure whether his words helped me or not, it is still too soon to say, but it gave me a perspective, a possibility into a kind of future life.

前一段时间,我在去香港机场的巴士上,身边坐着一个微微发福的中年人。他大概四十多岁的样子,穿着舒适的牛仔裤和黑色的尼龙夹克。他头戴一顶洋基队的帽子,于是我自然而然的开始跟他攀谈。他低沉的嗓音似乎暗示了他的权威身份。交谈中得知他年轻的时候在大学也是主修金融的。经过十年在大型投资银行(经纪人担任重要投资方和金融市场之间的中间人)的经纪部门的历练之后,他现在成为了一个基于中国面向外国的出口商。在跟他聊天之后我禁不住开始想我是不是坐在穿越时光回来以给予我忠告的未来的我自己身边。

当我告诉他我曾经也主修过金融专业之后,我们开始讨论MBA(工商管理硕士)项目。他个人以他的角度来看不赞成MBA项目,仅仅因为经济上它不合逻辑。他曾经得到过在史密斯-巴尼公司(现在已经是摩根斯坦利的一部分)的工作机会,并且也在一所名校中读完了享有全额资助的MBA项目。拥有MBA学位只稍稍提高了一点点他的薪水,但是它确实可以帮他进入投资银行部门(这也是能让人从大项目中获取高额交易佣金的部门)。 可是,在之后的三年他都必须跟公司绑定, 这对他来讲并不是很有吸引力的一点。

“不管怎么说,我当时觉得自己很像皇帝,拥有我自己想要的一切”他说, 然后他停顿了下, 继续道:“但是渐渐地工作变得繁重、令人劳累,有一天,我的老板因为我违背了他对于在会议上必须穿深色西装的要求而大发雷霆。他整个歇斯底里地发疯了。”

“在我辞职之前我甚至没有意识到我有这么大压力,就好像这些负担都悬在空中一样”。他接着说

现在他在做电子芯片出口,生产地在东莞,那个中国南方大型高科技产品特惠区。

他说: “我们的利润是成本的十五倍, 而不再是五年前的十六倍了。” 收益还算不错。“无论如何,我会再做十年,添几座房子(到他数目可观的系列中),然后退休并环游世界。” 他补充道:“我最好的朋友仍然在商圈混,他总是压力这么大的话都不知道能不能活得了50岁。”

我花了一段时间认真思考有的时候上天会在你人生路线的重要关头安排你遇见某些人。当巴士加速驶过香港无处不在的广告牌进入到支撑集装箱码头的红色钢结构丛林中时,我仍然在认真琢磨关于要不要离开我自己的投行工作。我不确定他的话是否对我有帮助,现在要下定论还太早, 但是它给了我一个新的视角, 给我开拓了一个未来生活的新的可能。