There is a lot of research in psychology, a lot of evidence that shows how difficult change is.

心理学的研究有很多，很多证据显示，改变是非常困难的事。

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they were having hard time getting their day- to- day stuff done,

他们在日常生活中遇到了很多的困难，

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There are a lot of human hardships that can be solved by diversifying portfolios.

很多生活上的困难,都可以通过分散投资来解决。

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He says, "to succeed in many things or many times is 'difficult.' For instance, to repeat the same throw of dice 10,000 times would be impossible; whereas, to make it once or twice is comparatively easy."

他说,要成就很多事情,或成就一件事情很多次,是很困难的,比如,掷一万次骰子都得到同样的结果,是不可能的,但是,掷一两次却是相对容易的

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