前两天和一个做房产中介的朋友聊天，他说了一句很实在的话： "这两年最怕的不是没客户，而是客户——明明收入不稳定、工作也不稳，却偏要砸光积蓄、背上三十 年房贷，去买一套'看着便宜'但根本没流动性的房子。以后他们不是在抱怨房价，是在抱怨自己当初脑 子一热。" 车子也类似。很多年轻人刚工作两三年，收入刚有点起色，第一件事就是贷款买车，觉得"有车才有面 子"。结果一算账，每年养车加车贷，能吃掉收入的一大半，日子一下子紧绷起来。 如果倒回到十年前，"买房买车=人生成功"的逻辑，可能还勉强说得过去。 但从现在往后看两三年，这句话真的要打个问号了。 不少内行人的建议很一致： 今明这两年，尽量不要盲目砸大钱在买房和车上，真正值得你重仓的，是这4样东西—— 身体健康、核心技能、稳定现金流、高质量人际关系。 第1样更值钱的东西：身体健康 有句话说得很直白：健康是1，后面的一切都是0；没有这个1，再多0也站不起来。 未来几年，医疗成本大概率只高不低，大家对健康的重视程度也在不断提高，很多分析都把"健康和体 能"列为未来最值钱的资产之一 。 换句话说，你未来能挣多少钱、能扛多大压力，很大程度取决于你的身体底子。 具体可以这样做： 少 ...

Core Insights - 2025 is projected to be the year when businesses globally recognize AI as a fundamental work infrastructure, moving discussions from curiosity to urgent practical applications [2] - The definition of "understanding how to use AI" is evolving, with a growing emphasis on "core skills" or "soft skills" that involve human oversight and judgment of algorithm outputs [2][3] Group 1: AI's Impact on Workforce - The shift in discussions around AI indicates that businesses are making significant investments in AI, fundamentally reshaping work models [2] - The demand for critical thinking and judgment skills is increasing as repetitive tasks become automated, making these skills the true differentiators in the job market [3] - The importance of human skills is highlighted by the challenges faced by companies in integrating AI into their processes, as AI's limitations become apparent [3] Group 2: Talent and Skills Gap - Concerns about a skills gap among new graduates are rising, with executives emphasizing the need for strategic thinking and critical skills to prepare future leaders [4] - The current economic climate is characterized by low hiring and high unemployment rates among recent graduates, leading to confusion among executives regarding talent acquisition [4] - A potential crisis in middle management is anticipated if entry-level positions continue to diminish due to AI, as future leaders may lack necessary foundational skills [4] Group 3: Training and Development Initiatives - IBM has exceeded its training goals in Saudi Arabia, having trained over 500,000 individuals, significantly surpassing its initial target of 100,000 by 2027 [5] - The focus of educational institutions is shifting towards teaching responsible AI usage, recognizing that students are already familiar with AI tools upon entering higher education [5] - The advice given to students emphasizes the importance of using AI as a tool for enhancing understanding rather than as a substitute for learning [6]