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简单致富:普通人实现财务自由的八个原则 | 螺丝钉带你读书
银行螺丝钉· 2025-03-29 12:48
大家好,我是银行螺丝钉,欢迎来到这期的螺丝钉带你读书。 「螺丝钉带你读书」也陪伴大家度过了三百多期,为大家讲解了很多有趣、经典的书籍和故 事,比如《三十几岁,财务自由》、《如何读一本书》、《战胜拖延症》等等。 还为大家详细介绍了几位投资大师:股神巴菲特、他的好搭档查理芒格和指数基金之父约翰博 格。分享了他们的人生经历、投资生涯和投资的理念。 大家可以点击下面链接查看部分螺丝钉带你读书合集: 《 世界读书日,螺丝钉送你103本私藏经典好书 》 实现财务自由的简单原则 最近螺丝钉看了一本新书,《简单致富-实现财务自由与富足人生的路线图》。 这本书介绍的,是实现财务自由,所需要遵循的简单原则。 原则1:不要高负债 债务,是自由人生的第一道枷锁。 背负高负债,人生的可能性也会减少。 财务自由不是拥有多少资产,而是保留对人生的选择权。 不过买房子,使用像公积金贷款等低成本的负债工具,也是合理的。 那房贷等负债 ,在多少比例以内比较合理呢? 一般来说,月供在到手收入的30%以内比较合理;最高不要超过50%。 原则2: 提高储蓄率 每个月省下多少钱,用来储蓄或者定投,这就是储蓄率。 像有的投资大师,年轻的时候储蓄率能达到5 ...
普通人难以致富的三大真相!99%的人都踩过坑!
天天基金网· 2025-03-28 10:08
Core Viewpoint - The article emphasizes that wealth accumulation is primarily a privilege for a minority, and ordinary individuals face significant challenges in breaking through socioeconomic barriers solely through labor [1][2]. Group 1: Traps Ordinary People Face - **Follow-the-Trend Trap**: Many individuals fall into the trap of joining popular trends, such as opening a milk tea shop or investing in a rising stock market, often resulting in financial losses [3][4]. - **Get-Rich-Quick Trap**: Courses promising high income with no prior experience are often misleading, teaching deceptive practices rather than legitimate wealth-building strategies [5][6]. - **Consumption Trap**: Excessive spending on luxury items and lifestyle choices can lead to financial instability, with appearances often misleading about true wealth [7][8]. Group 2: Five Golden Paths for Ordinary People - **Cognitive Monetization**: Individuals can leverage skills, such as programming, to create income opportunities, moving away from physical labor competition [9]. - **Side Business Leverage**: Engaging in side jobs, from ride-sharing to knowledge-based services, can significantly increase income without full-time commitment [10]. - **Low-Cost Entrepreneurship**: Starting small businesses with minimal investment can yield substantial profits, emphasizing the importance of testing ideas before scaling [11]. - **Counterintuitive Investment**: Regular investment in index funds, such as the CSI 300, can outperform most retail investors over time [13]. - **Networking for Profit**: Building and leveraging professional relationships can create additional income streams through referrals and collaborations [12]. Group 3: Ultimate Truths and Actionable Steps - **Time Over Money**: Investing time in skill development can lead to exponential income growth compared to traditional labor [14]. - **Risk Management Over All-In Betting**: Maintaining a financial safety net is crucial before pursuing high-risk ventures [14]. - **Focus Over Trend-Chasing**: Specializing in niche markets can yield better financial returns than general knowledge [14]. - **Rejecting Consumerism**: Prioritizing savings over luxury purchases is essential for building wealth [14]. - **Immediate Actions**: Individuals are encouraged to assess their skills, cut unnecessary expenses, and engage with high-value networks to enhance their financial prospects [14].
到底是哪个冤种在排队吃网红餐厅啊?
虎嗅APP· 2025-03-08 03:46
Core Viewpoint - The article discusses the phenomenon of long queues at popular restaurants in major Chinese cities, particularly focusing on the experience of dining in Beijing, highlighting the social dynamics and consumer behavior associated with trendy eateries [2][3][4]. Group 1: Restaurant Queuing Culture - In cities like Beijing, the concept of "delicious, cheap, and no queue" is deemed impossible, leading to a culture where people endure long waits for food [2][3]. - The article illustrates the extreme queuing situation at a popular restaurant "烤匠" (Kao Jiang), where customers may wait up to 9 hours to dine, showcasing the lengths people will go to for trendy food experiences [4][5][8]. - The experience of waiting in line often leads to mixed feelings about the food quality, with some customers expressing disappointment after long waits, indicating a potential disconnect between expectation and reality [17][53]. Group 2: Social Media Influence - Social media platforms like 小红书 (Xiaohongshu) play a significant role in driving the popularity of certain restaurants, creating a cycle of hype and disappointment as consumers flock to these locations based on online recommendations [39][41]. - The article notes that the marketing strategies employed by restaurants often lead to a "hunger marketing" trap, where the act of queuing becomes a social experience rather than just a means to enjoy a meal [49][50]. - Consumers are increasingly aware of the pitfalls of following social media trends, developing a critical eye towards the quality of food at highly publicized establishments [40][56]. Group 3: Economic and Cultural Context - The article highlights that in times of economic downturn, dining out becomes one of the few affordable forms of entertainment for young people in urban areas, leading to a surge in demand for trendy eateries [55][56]. - The phenomenon of queuing for food reflects broader societal trends, where young people seek validation and a sense of belonging through shared experiences, even if those experiences are often disappointing [57][58]. - The article concludes that as long as consumer tastes evolve, new restaurants will continue to emerge, perpetuating the cycle of queuing and social media hype [58][59].