以下文章来源于懒人养基 ，作者懒人养基 懒人养基 . 雪球21年度十大新锐用户、22年度基金影响力用户，私企业主，经济学硕士，《基金投资全攻略》作者。早期靠创业获取主动收入，从17年开始，逐步将 经营产生的余钱、闲钱，几乎全部逢低买入权益基金，从赚取主动收入慢慢向赚取被动收入过渡。价值投资践行者 ↑点击上面图片 加雪球核心交流群 ↑ 风险提示：本文所提到的观点仅代表个人的意见，所涉及标的不作推荐，据此买卖，风险自负。 作者： 懒人养基 来源：雪球 根据 " 25倍财富自由法则 " ， 如果你一个月开支1万 、 一年的开支是12万 ， 财富自由的基础门槛刚好是300万 。 因此 ， 存款300万是一个 被反复讨论却鲜有定论的数字 。 以年收入15万元的家庭为例 ， 若每年储蓄5万元 （ 已属节制型消费 ） ， 积累300万需要60年 ， 而且还要排除疾病 、 失业 、 教育等重大支 出 。 现实中 ， 多数家庭因房贷 、 育儿 、 赡养老人等压力 ， 存款上限通常在50万-100万元之间 。 300万存款 ， 往往可能是两代人共同积 累 、 无重大负债 、 且消费极度克制的结果 ， 堪称普通家庭的 " 财富天花 ...

Core Viewpoint - The chairman and CEO of XPeng Motors, He Xiaopeng, emphasized the importance of investing in companies that aim for an IPO and have the potential for sustained growth post-listing as a pathway to achieving financial freedom for ordinary individuals [1] Group 1 - He Xiaopeng discussed strategies for ordinary people to achieve wealth freedom [1] - The focus is on selecting companies with the goal of going public and the ambition to grow significantly after the IPO [1] - The idea is to grow alongside these companies and realize value through their success [1]

Core Viewpoint - The article argues that real estate is not a reliable investment but rather a tool manipulated by financial capital, leading individuals into long-term debt rather than wealth accumulation [1][3]. Group 1: Real Estate as an Investment - The perception that rising housing prices are driven by market supply and demand is incorrect; the true drivers are bank loans and policy leverage [1]. - Many individuals believe that purchasing a home is essential due to housing demand, but viewing it as an investment poses significant risks [1][3]. - High housing prices can lead to individuals being trapped in long-term loans, while financial institutions profit by selling at peak prices [1]. Group 2: Financial Implications - In hot cities, rapid price increases are not matched by rental yields, resulting in negative cash flow for homeowners [3]. - The changing financial landscape, such as falling interest rates, may seem beneficial but can lead to higher housing prices and increased financial pressure on families [3]. - Real estate is not a stable value-preserving asset but rather a component of a manipulated financial game [3]. Group 3: Wealth Accumulation - True wealth freedom is achieved through asset appreciation, cash flow, and investment skills, rather than relying on real estate [3]. - Blindly following the trend of home buying can result in long-term debt, while those who understand financial rules can navigate the market effectively [3]. - The article concludes that while homes may provide comfort, they should not be viewed as profit-generating machines [3].

这是一只开过光的 Labubu，点赞它，今年内财富自由。 https://t.co/tPSpNKKiV8 ...

Group 1 - The core argument is that individuals who do not invest are destined to work for others their entire lives, as relying solely on salary does not lead to financial freedom [1][5] - High salaries are insufficient for achieving wealth, as expenses such as mortgages, education, and elder care consume earnings, leaving little for savings or investment [1][3] - Savings in traditional accounts yield low interest rates (2%) while inflation rates (3%-5%) erode purchasing power, making saving a losing strategy over time [1][3] Group 2 - The real estate market has become unpredictable, with high entry barriers in first-tier cities and oversupply in second and third-tier cities, making property investment less reliable for wealth generation [3] - The investment market shows that those who invest in index funds have seen significantly higher returns compared to savings, with long-term holders achieving wealth doubling [3][5] - The narrative emphasizes that the fear of investment losses is less dangerous than the fear of not investing at all, which limits opportunities for financial growth [5] Group 3 - A recommended investment strategy includes diversifying funds: keeping some in banks for safety, investing in stable assets like real estate, and allocating a portion to long-term stock market investments, with a small amount for high-risk assets like cryptocurrencies [5]

Group 1 - The article discusses the redefinition of work hours and benefits, emphasizing that the traditional 8-hour workday is being challenged by companies that expect employees to be available all day [1] - There is a mention of companies providing meals, but with conditions that may not be favorable for employees, such as requiring them to bring their own ingredients [2][3] - The article highlights the humorous and sometimes frustrating experiences of employees regarding workplace culture and expectations, particularly in relation to meal provisions and work-life balance [4][7] Group 2 - The content reflects on the mental state of employees, particularly product managers, who often feel overwhelmed and underappreciated in their roles [21][31] - There are anecdotes about the daily struggles and humorous situations faced by employees, illustrating the challenges of modern work environments [19][22] - The article also touches on the importance of communication and understanding between different departments within a company, as employees often find themselves apologizing for issues beyond their control [22][31]

Group 1 - The rising gold prices have attracted many young investors, leading to significant financial losses for some, highlighting the gap between the dream of financial freedom and reality [1][3] - A report indicates that nearly 40% of Generation Z hopes to achieve financial independence by the age of 35, but many struggle to earn returns that outpace inflation [3][5] - Young investors often lack the necessary knowledge and experience, resulting in poor investment decisions and missed opportunities for recovery [3][5] Group 2 - Young individuals are adopting extreme frugality as a strategy to invest, but this often leads to repeated losses in volatile markets [5][7] - The primary reasons for not investing among young people include lack of disposable income, perceived high risks, and insufficient knowledge [5][7] - Financial literacy is crucial for this generation, as relying solely on impulse and hearsay in investment decisions can lead to significant setbacks [7]

Group 1 - The core concept emphasizes the importance of the "iron triangle" of wealth management: earning, saving, and investing, which must work together to achieve financial freedom [1][9] - Earning is the starting point of wealth accumulation, but it is not the endpoint; enhancing value creation ability is crucial [2][9] - Saving is not merely about frugality but involves rational planning and distinguishing between needs and wants, providing a safety net for investments [3][7] Group 2 - Investing acts as an accelerator for wealth growth, relying on proper asset allocation and the power of compounding [4][7] - The synergy between earning, saving, and investing creates a robust financial ecosystem; the absence of any one element can lead to imbalances in wealth accumulation [7][9] - Common misconceptions about wealth management need to be addressed, highlighting the necessity of balancing all three components for financial success [7][9] Group 3 - The art of balance involves adjusting priorities based on life stages, focusing on earning in youth, managing risks in middle age, and securing capital before retirement [8][11] - A dynamic approach to wealth management is essential, with a focus on long-term strategies and the interplay between active income and passive income [8][9]

财富自由之后我要做的事：运动、早睡、早起、电影、音乐、唱歌、跳舞、写字、旅游、喝茶、插花、静坐、阅读、临帖、抄经、鼓琴、焚香、种花、赏月、听雨、观星、赏雪、看鸟、赏鱼、泡泉、沐足、登山、远眺、俯瞰、散步、荡舟、游山、玩水、散步、健身、瑜伽、冥想、料理、泡澡、摄影、赏鸟、手工、游泳、创作、捐赠、摇滚、小憩、放空、种花、小酌、念诗、摘果、拥抱、香薰、爬山、打球、钓鱼、看剧、刺绣、赏花、爬墙、玩具、露营、书法、钢琴、做爱、烹茶、做爱、抱树、美食、游园、足浴、煮饭、射箭、爬树、读诗、写信、撸猫、撸狗、撸管、陶艺。 ...

Core Insights - Li Xiaolai is a controversial figure in the cryptocurrency space, often referred to as the "Bitcoin tycoon" or criticized as a symbol of "cutting韭菜" [1][12] - His journey reflects the volatility and duality of the cryptocurrency industry, showcasing both immense opportunities and significant risks [16][18] Background - Li Xiaolai initially gained fame as an English teacher at New Oriental, where he built a reputation and wealth through his teaching skills and bestselling books [4] - In 2011, he encountered Bitcoin, recognizing its potential for substantial returns when many viewed it as a niche interest [6] Investment Journey - Li purchased approximately 100,000 Bitcoins when the price was only a few dozen yuan, leading to a dramatic increase in his wealth by 2013 [8] - He famously cashed out around 13.5 billion yuan at Bitcoin's peak, earning him the title of "father of the coin" in media narratives [8] Controversies - In 2018, a leaked recording revealed Li's candid remarks about many cryptocurrency projects being designed to "cut韭菜," which sparked widespread criticism and eroded public trust [10][11] - This shift in perception transformed him from an "investment expert" to a "scam spokesperson," shattering his previous reputation [12] Current Status - Following the controversies, Li has retreated from the public eye, focusing on education and writing, and advocating for rational investment practices [14] - He has shifted his narrative from seeking wealth freedom to cautioning others against blind investment [14] Industry Reflection - Li Xiaolai's story encapsulates the broader cryptocurrency landscape, highlighting the potential for rapid wealth accumulation alongside the risks of severe financial loss [16][18] - The duality of his experience serves as a cautionary tale about the moral dilemmas faced in the pursuit of wealth within the volatile crypto market [16][18]