如何克服当下的享乐偏好，做到理性消费？｜投资小知识

Core Viewpoint - The article discusses the concept of self-restraint in financial management, emphasizing the importance of limiting immediate consumption to ensure long-term financial stability and investment opportunities [2][3]. Group 1: Passive Restraint - The pension system serves as a form of passive restraint, where a portion of monthly income is allocated to pensions, ensuring a basic quality of life in retirement despite lower long-term returns compared to other investment options [4][6]. - This system is crucial for societal stability, as it prevents individuals from spending all their income immediately, which could lead to financial difficulties in old age [5][6]. Group 2: Self-Restraint Methods - Dollar-cost averaging (定投) is highlighted as a self-restraint method that helps individuals accumulate assets over time, similar to pensions, despite not being the highest yielding investment strategy [7][9]. - This method encourages patience in investing and acts as a forced savings mechanism, preventing immediate spending of received funds [8][9]. Group 3: Additional Tips - Practical tips for overcoming immediate gratification include weekly allowances for children instead of monthly, being cautious with credit card and loan usage, maintaining a budgeting habit, and setting aside a portion of every expenditure for investment [10][11]. - Recognizing the tendency for immediate gratification is the first step towards implementing these strategies effectively [11].