(The English version follows)

#finance

是否应该拿金钱换时间？很多人都会建议使用自己的时薪来衡量这项任务是否应该被外包。比如你的时薪是一百元，请阿姨打扫两小时卫生是一百元，如果按照上面的方法计算，我们完全应该请阿姨来打扫。然而今天的作者并不太同意，他以自己生活的德国为例，给出了反对的理由：

1. 我们应该以可支配收入来衡量，而不是税前时薪来计算；

2. 外包任务有很多隐性成本，比如需要协调阿姨的打扫时间；

3. 我们的时间有不同的价值，不能一概而论，比如一周工作之后，打扫卫生可能是不错的调剂；

4. 很多技能可以在这些任务中得到锻炼，比如一直点外卖话就一直不会做饭，而自己掌勺的话，可能厨艺就会长进；

所以作者建议根据自身具体情况来评估是否应该拿钱换时间。不知道大家是如何评估的？

欢迎转发，感谢分享:)

原链

# Trading time for money

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Should I trade money for time? Many people would suggest using their hourly rate to evaluate whether the task should be outsourced. For example, if your hourly rate is one hundred dollars and hiring a cleaner to clean for two hours is one hundred dollars, we should definitely hire an aunt to clean if we calculate in the above way. In today's sharing the author, however, doesn't quite agree and gives the following reasons against it, using the example of Germany, where he lives:

1. we should measure it in terms of disposable income, not in terms of pre-tax hourly wages;

2. outsourcing tasks has many hidden costs, such as the need to coordinate the cleaner's cleaning time;

3. our time has different values and cannot be generalized, e.g. cleaning may be a good tune up after a work week

4. many skills can be exercised in these tasks, for example, if you keep ordering take-out you will never be able to cook, while if you cook, you may grow in your cooking skills.

So the authors suggest assessing whether you should take money for time based on your specific situation. How do you think?

Link

# Trading time for money

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Excerpt

According to conventional wisdom, if you earn 31€/hour, and a task costs less than that to outsource, then you should always pay someone else to do it. For example, if your cleaning person charges 15€/hour, you save 16€ for every hour you spend at work instead of cleaning your house.

So again, if you earn the average 31€/hour, and work the average 1386 hours per year, you save about 4€ per hour - not 16€ - by hiring a cleaning person who charges half your rate.

In other words, you must sell 72 minutes of your life to buy 60 minutes of your cleaning person's life, even though you earn twice as much.

However, getting to the restaurant, ordering, waiting for your food, then waiting for the bill takes time too.

Personally, I find cooking every other day more convenient than eating out twice a day. Eating out only makes sense when I'm too tired to cook.

However, if you don't hire a cleaning person, and you don't spend your money, then you can buy some of your time back later, either as a gap year, or as an early retirement.

Put shortly, time is not a liquid asset. You can't easily sell more or less of it according to your needs.

Unless you really like your job, there comes a point where you'd rather do something else, even if has a lower market value than your profession.

Those skills stay with you, and over time, the benefits compound. You can tackle bigger and bigger projects, and the results look better and better.

Outsourcing, on the other hand, doesn't get better and cheaper. It either gets better and more expensive, or cheaper and worse.