monkeybusinessimages / iStock via Getty Images Quick Read Aim to save 20% of earnings for retirement while limiting discretionary spending to 30%. Automate retirement contributions and redirect raises to investing before lifestyle creep occurs. Avoid carrying credit card balances and financing depreciating assets like expensive cars. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. Football legend ...

广东步步高电子工业有限公司创始人，步步高集团董事长段永平，在谈及到教给儿子的第一堂投资课时，却不是什么复杂的商业模式，而是一句简单的 话："每天要去跑步。" 这句话乍一听有点奇怪！ 毕竟投资和跑步，一个用脑，一个用腿，有什么关系？ 而段永平给出的解释却和很多人的想法都不一样，他认为： 跑步可能是人生最重要的一课，不只是对投资，对我们做的每一件事都是如此。 第一课 学会度过"极点" 跑步的人都知道"极点"，跑到某个时刻，你会感觉喘不上气，双腿像灌了铅，甚至心里有个声音拼命喊："停下来吧，太难受了！" 这个极点，就是放弃和坚持的分水岭。 如果当时腿一软放弃了，这次跑步也就结束了！ 而我们日常的生活中处处是"极点"，比如： 工作遇到瓶颈，感觉无法突破时，想摆烂； 学习新技能，刚开始进展缓慢，枯燥得想放弃； 想坚持一个好习惯，可总在闹钟响的那一刻想妥协。 而跑步教会我们的，不是如何避免痛苦，而是如何在痛苦中保持前进！ 这种"挺过去"的能力，是做成任何事的基础，一个连跑步极点都过不去的人，很难在事业的低谷、学业的压力、生活的挫折里坚持下去。 第二课 真正的收获，都藏在日复一日的枯燥坚持里，能享受跑步枯燥的人，才更有可能 ...

心理学家兼Coa 联合创始人 Emily Anhalt 博士揭示了高影响力创始人的五个特质，以及这些使创始人成功的特质如何也会阻碍他们的发展。 她也从事"自我意识"相关的工作——即帮助人们发现阻碍自己前进的模式，并有意识地建立新的模式，从而推动成功。 今天给大家分享关于她的思考，以下，慢品。 "自我意识的整个概念是，你知道的越多，你就越意识到自己不知道的越多。自我意识是一个不断变化的目标，我们总是需要更多地了解自己。" 安哈特曾担任高管教练十年，与创始人们进行一对一的合作，以独特的视角从幕后了解了创始人的内心世界，帮助他们渡过创业生涯的波折。这种视角让 她对创始人的DNA 有了更深的了解——即成功创始人的核心特质，这些特质让他们能够有更大的梦想，更加努力，经得起反对者的质疑。 但正如她在实践中所看到的（她自己也是一名创始人），这是一枚硬币的两面。那些让创始人成功的特质，也会阻碍他们的发展。"任何能让你成功的事 情，都可能成为你的绊脚石。例如，努力工作是好事，对员工寄予厚望是好事。但是，什么时候这开始成为一个问题呢？"安哈尔特说。 成功的领导者会关注那些帮助自己取得成功的性格特征。缺乏自我意识的优势会变成劣势， ...

Group 1 - The core idea of the article emphasizes that poverty is often a result of one's mindset rather than external circumstances, and that certain thinking patterns can lead to a stable state of poverty [1][18]. Group 2 - Individuals who are resistant to change, referred to as "conservative," often find themselves in economic difficulties due to their inability to adapt to new market conditions [2][3]. - The article cites an example of a hardware store owner who struggles due to a lack of online presence, illustrating the risks of sticking to outdated methods [2]. - The concept of "path dependence" and "fear of risk" are highlighted as key reasons for this conservative mindset, leading to a failure to embrace change [2][3]. Group 3 - The article distinguishes between "calculating" and "planning," noting that those who focus solely on short-term gains often overlook long-term opportunities [5][6]. - An example is provided of a business owner who lost significant future business due to prioritizing immediate profit over quality, demonstrating the pitfalls of a calculating mindset [6][7]. - The notion of "transaction costs" is introduced, emphasizing that hidden costs can accumulate when one focuses too much on short-term savings [6][7]. Group 4 - The article discusses "short-sighted" individuals who prioritize immediate rewards over future potential, leading to missed opportunities [9][10]. - An example of a job seeker choosing a higher immediate salary in a declining industry over a lower salary in a growing sector illustrates this point [9][10]. - The concept of "compound thinking" is introduced, emphasizing the importance of delayed gratification and long-term planning for financial success [12]. Group 5 - The article addresses "resigned" individuals who lack the imagination to envision a better future, attributing their circumstances to external factors rather than their own mindset [14][18]. - It highlights that a negative attitude can be a significant barrier to financial improvement, as those who feel powerless often remain stagnant [14][18]. - The importance of a proactive mindset is emphasized, suggesting that those who actively seek change are more likely to achieve financial success [14][18]. Group 6 - The article concludes with a metaphor about an elephant tied to a small stake, illustrating how limiting beliefs can confine individuals to a state of poverty [16][17]. - It suggests that the key to overcoming poverty lies in changing one's mindset and developing skills to create wealth [18].

洞见 （ DJ00123987 ） —— 不一样的观点，不一样的故事， 3000 万人订阅的微信大号。点击标题下蓝字 " 洞见 " 关注，我们将为您提供有价值、有意思的 延伸阅读。 作者：洞见jinian 每一位今天的富人，很可能就是昨天的穷人。 ♬ 点上方播放按钮可收听 洞见主播楚翘朗读音频 想起之前刷到的一个提问： 为什么越穷的人，越喜欢把钱花在没用的地方？ 因为很多人控制不住享乐的欲望，缺乏延迟满足的定力。 他们习惯放纵享乐欲望，一拿到工资就忙着吃喝玩乐、四处旅游； 《贫穷的本质》一书中，讲过一个故事。 有次，作者到摩洛哥的一个偏远山村考察。 他发现村子里的小孩，大多都瘦得皮包骨，到他们家里一看，条件也十分艰辛。 但奇怪的是，几乎每家都有一台电视机。 作者就很纳闷，明明眼前就有温饱问题等着解决，为什么他们宁愿把钱拿来买电视机，也不愿意填饱肚子？ 村民的回答是：因为电视机比食物重要。 在他们看来，电视带来的即时满足，更容易让他们产生幸福感。 所以，哪怕他们一穷二白，也要把仅有的钱拿来买电视机。 01 他们也经受不住促销诱惑，不加思考就买买买，钱包很快就会见底。 却不知，钱是会选人的。 倘若一味挥霍无度，钱 ...

Core Insights - The article emphasizes the importance of self-empowerment as the only viable path to success, highlighting the differences in mindset between strong and weak individuals [3][17]. Group 1: Mindset Differences - The article categorizes mindsets into three types: the "chicken mindset" (focused on others' failures), the "sparrow mindset" (focused on personal success), and the "eagle mindset" (focused on collective success) [7]. - It argues that true success is not about competition but about mutual support and collaboration, with a focus on long-term goals rather than short-term gains [7][24]. Group 2: The Role of Solitude - The article discusses how solitude can be a powerful tool for personal growth, citing examples of successful individuals who thrived in isolation [10][12]. - It suggests that embracing solitude allows for deeper self-reflection and personal development, leading to greater achievements [14][17]. Group 3: Overcoming Adversity - The article uses the metaphor of a butterfly caught in a spider's web to illustrate how many people blame external factors for their struggles instead of reflecting on their own actions [20]. - It encourages readers to adopt a proactive approach to life, focusing on self-improvement rather than victimhood [20][21]. Group 4: Delayed Gratification - The article highlights the concept of "delayed gratification," where individuals prioritize long-term benefits over immediate rewards, as a key trait of successful people [23][24]. - It provides an example of an entrepreneur who chose long-term collaboration over short-term financial gain, resulting in greater future success [24]. Group 5: Emotional Control - The article discusses the importance of emotional regulation, stating that strong individuals do not let their emotions dictate their actions [29][30]. - It contrasts the behavior of individuals with small mindsets, who often react emotionally, with those who maintain composure and focus on larger goals [28]. Group 6: Pursuit of Self-Improvement - The article emphasizes the need to focus on self-improvement rather than distractions, such as excessive gaming or social media, which can lead to mediocrity [33][39]. - It argues that investing time in skill development will ultimately lead to higher income and better life outcomes [40][41].

Core Insights - The article discusses the investment philosophy and strategies shared in the book "Slowly Becoming Rich 2," emphasizing the importance of practical experience in investing [2][3] - The author highlights the significance of value investing and the challenges associated with holding investments long-term, especially during market downturns [3][4] Investment Philosophy - The book draws inspiration from renowned investors like Graham, Buffett, Munger, and Fisher, but stresses that the core investment principles are developed through practical experience [2] - The author introduces an "eight-character mantra" for investing: select wisely, hold on, collect dividends, and accumulate shares, which encapsulates the essence of value investing [3] Investor Education - The book serves as a valuable resource for investor education, advocating for a deeper understanding of value investing to enhance market maturity [3] - It emphasizes the need for investors to have a solid knowledge base and analytical skills before entering the stock market, particularly in assessing company fundamentals such as cash flow and profitability [2][4] Personal Insights - The author shares personal reflections that encourage investors to approach investing with a mindset of continuous learning and rational analysis, treating losses as learning opportunities [4] - The narrative promotes a philosophy of lifelong learning and self-improvement, applicable not only in investing but also in various life scenarios [4]

Core Insights - The article emphasizes the importance of building an "irreplaceability" as a personal moat, which refers to unique competitive advantages that are difficult for others to replicate, thus providing long-term value and resilience against uncertainties in the job market and social value networks [2]. Summary by Categories Personal Moat Capabilities - Delayed gratification is highlighted as a key ability, indicating that the way one derives pleasure can either be easy or challenging [2]. - Self-reflection and the ability to summarize experiences are crucial for personal growth and learning [2]. - Focus is essential, suggesting that individuals should avoid distractions and maintain commitment to tasks [2]. - Learning agility is important, emphasizing the need for continuous learning and adaptation to new information [2]. - Resilience, described as "anti-fragility," is the capacity to recover quickly from setbacks and adjust effectively [2]. - Reverse thinking encourages independent thought processes, akin to the advice of Charlie Munger to think differently [2]. - Interdisciplinary integration skills are necessary to avoid a narrow perspective, as only knowing one field can lead to limited viewpoints [2]. - Empathy, which involves listening and understanding others' perspectives, is also considered a valuable trait [2]. Investment Philosophy - The investment strategy revolves around the principle that prices fluctuate around intrinsic value, with a focus on buying undervalued assets and leveraging when opportunities arise [3]. - The discipline to buy undervalued assets and sell when they reach normal valuation is emphasized, along with the importance of patience in investment decisions [3]. - The community of peers, such as members of investment forums, is viewed as a supportive moat, providing shared knowledge and insights [4]. - Learning from past mistakes and experiences is recognized as a significant aspect of developing a personal investment strategy [5]. - Acknowledgment of one's limitations in identifying great companies or short-term market movements is also noted [7]. - The importance of maintaining a disciplined approach to investing, including observing market trends without succumbing to greed or comparison, is highlighted [8].

Core Insights - The disparity in financial well-being is attributed not to income levels but to differing mindsets regarding wealth distribution [2] - Effective wealth management involves strategic allocation of income rather than merely increasing earnings [2][12] Wealth Distribution Strategy - Step 1: Assign a purpose to every penny received, avoiding impulsive spending [3] - Step 2: Avoid the trap of increasing expenses with rising income; delayed gratification is a common trait among the wealthy [5][6] - Step 3: Prioritize safety in wealth distribution, ensuring a financial cushion before investing [7] - Step 4: Allocate funds to growth-oriented investments such as mutual funds, real estate, and side businesses, emphasizing the importance of compounding returns over time [10] - Step 5: Invest in personal development, as acquiring new skills can lead to additional income sources and opportunities for wealth creation [11] Basic Wealth Allocation Model - The recommended allocation is 50% for living expenses, 20% for investments, 10% for savings, 10% for self-improvement, and 10% for enjoyment, known as the 5-2-1-1-1 wealth distribution method [8] - Maintaining a financial reserve for 3 to 6 months of living expenses and necessary insurance is crucial for financial security [9] Conclusion - The essence of wealth management lies in purposeful allocation rather than mere accumulation, transforming money into a resource for life [12]

Core Viewpoint - The article reflects on the pressures faced by individuals in the media and real estate industries, highlighting the mental health challenges, particularly depression, that can arise from work-related stress and societal expectations [5][6][10]. Group 1: Industry Challenges - Traditional media has been struggling for years due to the impact of the internet, leading many professionals to change careers [5]. - The real estate sector is undergoing significant adjustments, with a noted lack of recovery in the market, affecting even state-owned enterprises [7]. - A specific state-owned real estate company reported a revenue of less than 10 billion HKD and a net loss exceeding 3.7 billion HKD, with a market value of only 1.7 billion HKD [7]. Group 2: Mental Health Insights - The article discusses the complexities of depression, emphasizing that for some individuals, the struggle with mental health can be long and arduous, often exacerbated by external pressures [8][9]. - It highlights the importance of recognizing that individuals with depression may feel they are doing their best to survive, even if their methods seem extreme [9]. - The narrative suggests that societal pressures and the pursuit of success can lead to a lack of happiness, with a focus on material achievements overshadowing personal well-being [12][16]. Group 3: Societal Reflections - The article raises questions about the definition of success and happiness in contemporary society, suggesting that the relentless pursuit of high standards can lead to dissatisfaction [11][12]. - It points out that despite economic advancements, the happiness levels in East Asian countries, including China, remain low, indicating a disconnect between material success and personal fulfillment [13][16]. - The piece concludes with a call for a shift in focus towards building a happier psychological environment, emphasizing the need for collective efforts to improve mental well-being [30][31].