Bill Gates: We will have another financial crisis like the one in 2008—it's a 'certainty'

比尔盖茨:“几乎肯定”我们将经历又一次金融危机

The 2008 financial crisis led to the Great Recession and millions of jobs lost. It took years for America to recover and many citizens still feel the ripple effects. According to Microsoft co-founder Bill Gates, though, we should be braced for another one.2008年的金融危机导致了大衰退，数百万人失去了工作。美国花了数年时间才恢复元气，许多公民仍然感到了涟漪效应。不过，根据微软联合创始人比尔盖茨的说法，我们应该做好准备迎接另一个。

During a Reddit "Ask Me Anything" last week, when Gates was asked if, in the near future, the U.S. will have another crisis similar to the one in 2008, he offered a blunt response: "Yes. It is hard to say when but this is a certainty."

上周，在Reddit“问我任何事情”的时候，当盖茨被问到，在不久的将来，美国是否会再次出现类似于2008年的危机时，他给出了直截了当的回答：“是的。很难说什么时候，但这是肯定的。”

He added, "Fortunately, we got through that one reasonably well. Warren has talked about this and he understands this area far better than I do."

他补充说，“幸运的是，我们已经很好地度过了这一难关。沃伦已经谈过这个问题，他对这个领域的理解比我好得多。”

Despite the warning, both Gates and his longtime friend Warren Buffett are generally optimistic about the U.S. economy. In an essay for Time magazine, Buffett stated that years of growth "certainly lie ahead," and "most American children are going to live far better than their parents did."

尽管有上述警告，盖茨和他的老朋友沃伦巴菲特都对美国经济总体上保持乐观。在时代杂志的一篇文章中，巴菲特指出，多年的经济增长“肯定会在未来”，“大多数美国孩子的生活将比他们的父辈好得多。”

Gates concluded his AMA response by saying, "Despite this prediction of bumps ahead, I am quite optimistic about how innovation and capitalism will improve the situation for humans everywhere."

盖茨总结了他的AMA回应，他说：“尽管预测未来会有困难，但我对创新和资本主义将如何改善世界各地的人们的处境非常乐观。”

As for how you, the investor, should react if the market tanks, keep a level head and stay the course, says Buffett. In response to wild market fluctuations back in 2016, he told CNBC that buy-and-hold is still the best strategy.

至于你，投资者，如果市场上的坦克，保持一个冷静的头脑并坚持到底，你应该如何反应，巴菲特说。为了应对2016年的疯狂市场波动，他对CNBC表示，买入并持有仍然是最好的策略。

"Don't watch the market closely," he advised those worried about their retirement savings at the time. "If they're trying to buy and sell stocks, and worry when they go down a little bit … and think they should maybe sell them when they go up, they're not going to have very good results."

“不要密切关注市场，”他建议那些担心自己退休储蓄的人。“如果他们试图买卖股票，当他们下跌的时候就会担心。他们认为他们应该在上涨的时候卖出股票，他们不会有很好的结果。”

Rather, think long term and leave your investment alone, says Buffett: "If you aren't willing to own a stock for ten years, don't even think about owning it for ten minutes."

巴菲特说：“如果你不愿意持有10年的股票，那就不要想拥有10分钟的股票了。”