你手里那笔死死存在银行的定期，看着越来越"安全"，其实正在被慢慢吃掉。 三年前，很多银行三年期定存利率还能做到3%以上，随便放个几十万，一年利息就够给家里添不少东 西；现在大行三年期已经跌破2%，10万放一年利息连油钱都快不够，更别提跑赢通胀 。 更现实的是，从趋势上看，利率可能还会在一个相对低位待很久。这不是银行故意压你利息，而是整个 社会进入了一个"低增长＋低利率"的新常态。 所以，越来越多"内行人"在说同一件事： 别再把鸡蛋全押在"活期＋定期"这一个篮子里，适当把你长期不用的一部分存款，换成这4类东西。不 是为了让你一夜暴富，而是为了在5年、10年后，你回过头看，会感谢今天做了调整的自己。 这些底线不能触碰！ 底线一：先把保命钱留足 至少预留3到6个月的家庭生活费，放在活期、货币基金或者非常短期的低风险理财里，这笔钱是用来救 急、付账单、应对失业和生病的，绝对不能拿去冒险 。 底线二：不要全部挪走，更不要借钱去"投资" "把存款换成这4样"的意思，是对你的一部分闲钱做结构调整，不是把所有存款梭哈出去，更不是去借 钱加杠杆。 底线三：看清楚自己能扛多大波动 有的人看到账户亏几千块就睡不着，有的人亏几万还能 ...

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 良好的开端是成功的一半。 ♬ 点上方播放按钮可收听 洞见主播韩丹朗读音频 时光匆匆而过，一转眼，2026便如约而至。 新年新气象，我们也该为自己换一种充实而轻松的活法。 柏拉图说： 良好的开端是成功的一半。 洞见君特意为你总结了这8条人生公式，读懂了它们，你的2026年注定不同凡响。 01 幸福=现实-期待 过去的一年里，你过得还好吗？ 有没有满心欢喜为朋友准备礼物，却换来了对方一句不痛不痒的回复； 有没有通宵加班完成工作，结果项目因种种原因被取消，让你白干一场； 有没有盼着伴侣向你想象中发展，但现实偏不如你所愿。 有时候，你期望得越多，得到的失望也越多。 你的期待值为100时，得到99也会失望；但期望值为0时，得到1也会觉得赚了。 当你把期待值降到最低时，遇到的皆是礼物。 新的一年，学着做个淡人，放下了那份不切实际的期待，幸福反而触手可及。 02 03 财富=主业+副业+投资X时间 巴菲特曾经说过： "你 ...

前言 2025年，没买房的人在庆幸躲过一劫，但新的焦虑接踵而至。 曾经被奉为"金饭碗"的银行存款，利息跑不赢物价已是常态，更让人不安的是，投资市场遍地是坑，AI 替代浪潮正席卷各行各业。 旧路已死，新路何在？安稳日子还能有吗？ 编辑：阿冰啊 10万存款三年少赚5100元，钱正在"隐形蒸发" 这已经不是什么秘密了，银行的存款利率正在以肉眼可见的速度下滑，从2021年到2024年，三年定期存 款的利率像坐了滑梯，从3.25%一路跌到了2.15%以下，有些地方银行甚至只有1.95%。 咱们来算一笔更清楚的账，假设你有10万元养老钱，2023年初存进去，每年能拿到3250元利息，可要是 2024年才存，每年就只剩1550元了，一年就是1700块的差距，三年下来就是整整5100元。 这可不是一笔小数目，够一个普通家庭大半年的买菜钱了，可问题远不止于此。 更让人心里发毛的是，钱的购买力正在悄悄缩水，2025年上半年的菜市场，白菜、鸡蛋的价格都比去年 高了一截，就连平时买的降压药、保健品，也开始有了小幅度的涨价。 银行给的利息涨得慢，物价却像脱缰的野马，你银行账户里的数字看着没少，但能买到的东西，却实实 在在地变少了，这就 ...

当下，越来越多的人意识到储蓄的重要性。无论是应对突如其来的裁员降薪，还是为日常生活的底气添 砖加瓦，存款无疑是最坚实的后盾。它不仅能保障基本生活，更能赋予我们从容应对挑战的信心，这种 信心有时甚至能转化为创造更多财富的能力。积累财富固然需要时间，除了通过职业晋升增加收入外， 避免一些常见的"财富漏洞"同样至关重要。若能成功规避以下五件事，你的存钱之路将顺畅许多。 生活中，我们常常能见到为了"面子"而透支"里子"的案例。笔者身边就有一位朋友，历经辛苦终于还清 了近十万元的车贷，本可松一口气，他却立刻萌生了换车的念头。理由很简单：开更好的车，更有面 子。实际上，他那辆仅使用了五年左右的旧车，保养得宜，外观依旧如新。然而，攀比心态作祟，看到 旁人开上了更豪华的车型，他便觉得意难平。最终，他用辛苦攒下的二十万元作为首付，购入新车，同 时背上了为期三年的新车贷。结果是，每月还贷后所剩无几，生活质量不升反降，辛苦积攒的存款瞬间 归零。 这种行为可谓典型的"面子消费"。车辆尚且如此，房产更是如此。购车的贷款或许在十万级别，而购房 的贷款动辄便是百万级别。如果家庭底子厚实，储蓄充足，改善住房条件无可厚非。但若是为了追求更 大 ...

Core Insights - The best investment is in oneself, focusing on knowledge, skills, perspective, and health [1] Investment in Knowledge and Skills - Learning new skills enriches life and should be approached with curiosity, allowing for gradual improvement over time [3] - Dedicating even 10 minutes daily to learning can lead to significant personal growth [3] - Exploring knowledge outside one's field can create new problem-solving approaches and opportunities [3] - Practical application of learned skills is essential for personal development [3] Investment in Perspective and Vision - A person's worldview and mindset determine their potential and opportunities [5] - Engaging with diverse experiences and people can expand one's horizons and introduce new possibilities [5] - Curiosity about the world encourages exploration and personal enrichment [5] - Reading extensively fosters deeper understanding and challenges existing thought patterns [5] Investment in Health - Physical and mental health are foundational for a fulfilling life, necessitating attention and care [7] - Regular exercise, such as running or yoga, benefits both physical and mental well-being [8] - Nurturing one's inner self and maintaining healthy relationships contribute to overall happiness and resilience [8]

Core Viewpoint - The article emphasizes that accumulating wealth requires self-discipline and the ability to resist consumerism, suggesting that true wealth comes from investing in oneself rather than succumbing to material desires [3][4][19]. Group 1: The Importance of Self-Control - The article cites research by Angela Duckworth, indicating that poor individuals often struggle with material desires and impulsive spending, which hinders their financial growth [5][6]. - It argues that every impulsive purchase is a loss of savings, while wise individuals focus on rational spending and self-investment [7][8]. - The narrative of Yang Lijuan, CEO of Haidilao, illustrates how prioritizing skill acquisition over immediate gratification can lead to significant career advancement and financial success [9][15]. Group 2: The Role of Savings and Investment - The article highlights that saving money is the first step towards wealth accumulation, allowing individuals to seize opportunities when they arise [22][26]. - It shares the experience of a professional who saved 600,000 yuan and successfully invested in a promising startup, resulting in a substantial return [22]. - The text emphasizes that controlling consumer impulses not only preserves capital but also opens up avenues for future investments and entrepreneurial ventures [24][28]. Group 3: Mindset and Execution - The article stresses that wealth is not merely a product of luck but rather a result of clear awareness and disciplined execution of financial strategies [28]. - It encourages individuals to live within their means and to prioritize savings and investments over immediate consumption [28]. - The narrative concludes that maintaining a low-desire lifestyle and saving from a young age can lead to long-term financial success [27].

Core Viewpoint - The article emphasizes the importance of recognizing the limited nature of life and encourages individuals to prioritize their own well-being and happiness in the time they have left [5][12][50]. Group 1: Life Awareness - Life is finite, and understanding this is the beginning of living wisely [6][10]. - Steve Jobs' perspective on life and death highlights the need to live each day as if it were the last, which can lead to a reevaluation of personal values and priorities [7][9]. - The article suggests that as people age, they should focus on what truly matters and invest their time in meaningful relationships and activities [11][19]. Group 2: Time Management - The article discusses the concept of "time as a resource" and encourages individuals to allocate their time wisely, avoiding unnecessary conflicts and negative relationships [21][24]. - It warns against wasting time on trivial matters and emphasizes the importance of recognizing when to let go of unproductive engagements [26][36]. - The narrative includes a story about a character who learns to manage his anger and time effectively, illustrating the value of focusing on what truly matters in life [28][32]. Group 3: Personal Investment - The article advocates for prioritizing oneself in the second half of life, suggesting that individuals should invest in their own happiness and well-being [43][45]. - It encourages setting aside time for self-reflection and personal growth, emphasizing the importance of mental and physical health [46][48]. - The narrative highlights the significance of pursuing personal interests and passions, regardless of age, to enhance life satisfaction [44][50].

Core Insights - Warren Buffett's fondness for Coca-Cola is well-known, as he consumed over five cans daily at the peak of his career, which significantly influenced his professional journey [1] - Buffett emphasizes the importance of recognizing one's strengths and collaborating with the right people, advising not to fear making mistakes, a sentiment that resonates particularly with Generation Z [1] - The article highlights the challenges faced by Generation Z in their career beginnings due to the pandemic and economic uncertainties, suggesting that those who view adversity as a challenge may ultimately accumulate more wealth [1] Group 1 - Buffett's career began with selling Coca-Cola bottles, which laid the foundation for him becoming a millionaire by age 32, equivalent to approximately $10 million today [1] - He stresses the importance of working with partners who possess wisdom, energy, and integrity, and warns against the futility of trying to change others after forming partnerships [3][4] - The partnership between Buffett and Charlie Munger, which lasted over 40 years, is highlighted as a successful collaboration based on mutual respect and diverse thinking [5] Group 2 - The article discusses the high costs of choosing the wrong business partners, using the example of Sam Bankman-Fried, whose failed cryptocurrency platform resulted in significant losses for many [5] - It suggests that becoming a millionaire or billionaire is akin to an adventure, with various paths available in today's market, and emphasizes the inevitability of failure in business [6] - Buffett humorously notes that the best way to become a millionaire is to be born into wealth, but he underscores the value of investing in oneself as the most important investment advice [6]

Core Insights - The current low interest rates make traditional bank savings ineffective for wealth preservation, leading to a need for alternative investment strategies [1][10] - Investing in gold is seen as a hedge against economic downturns, but it comes with high volatility and additional costs that can affect overall returns [2] - Real estate is traditionally viewed as a stable investment, but high entry costs and low liquidity can pose significant challenges [3] - Investing in personal development and skills can yield substantial long-term returns, often surpassing traditional asset growth [5][11] - A diversified investment strategy is recommended to balance risk and growth potential, avoiding concentration in any single asset class [6][10] Investment Strategies - Bank savings are becoming less viable due to low interest rates, which do not keep pace with inflation [1][10] - Gold is a viable option for wealth preservation but requires careful consideration of market fluctuations and transaction costs [2] - Real estate investments can be burdensome due to high costs and low liquidity, making them less attractive in a slowing market [3] - Investing in oneself through education and skill development is highlighted as a high-potential strategy for long-term wealth accumulation [5][11] - A suggested allocation strategy includes investing in gold, stable funds, and personal development to create a resilient financial structure [6][10]

Core Viewpoint - The essence of investing lies in overcoming human emotions of greed and fear, emphasizing the importance of patience and common sense in wealth accumulation [4][11][19]. Group 1: The Power of Compounding - Compounding is often misunderstood but is a powerful tool for wealth growth, with the "72 Rule" allowing investors to estimate how long it will take for their money to double based on annual returns [6][7]. - For example, an annual return of 5% takes approximately 14.4 years to double, while 8% only takes about 9 years [7]. - A historical case illustrates the power of compounding: Benjamin Franklin's $5,000 gift grew to $2 million after 200 years due to compounding [10]. Group 2: Investment Strategies - The best investment approach is often the simplest, with a focus on index funds and dollar-cost averaging to mitigate emotional decision-making [19][32]. - Investors should diversify their portfolios to include various asset classes, such as stocks, bonds, and cash reserves, to manage risk effectively [23][25]. - Regular rebalancing of the portfolio helps maintain desired asset allocation and counteracts emotional biases during market fluctuations [27][30]. Group 3: Personal Development as Investment - Investing in oneself yields the highest returns, with activities such as reading, skill acquisition, and maintaining health contributing to long-term wealth and opportunity [33][41]. - The journey to wealth is straightforward: save money, start investing in index funds, maintain discipline, and continuously improve personal knowledge and skills [39].