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 ...

以下文章来源于三联生活实验室 ，作者傻狍子 三联生活实验室 . Never Bored 城市Cool Guy生活样本 看似是紧锣密鼓地学习， 实则是分秒必争的休息。 文 ｜ 傻狍子 来源｜ 三联生活实验室（ID：LIFELAB2020） 封面来源 ｜ unsplash 这几年，打工人经历了几轮旅行演变。 之前流行特种兵旅游，主打"5天征战欧洲8国"，结果累成美丽世界的无头苍蝇；紧接着，特种应激的打工人，开始尝试彻底享受，旅游就是花钱找个度假村 买服务，主打一站式出片。 但是，无论是高密度打卡还是直接躺平，对于一些最想要获得感的打工人来说，都是隔靴搔痒， 如今，他们开始研究跨国学艺了。 图源：赵葱葱葱姜鱼 清迈，这座泰国旅游城市，正以 "世界打工人兴趣班" 的姿态，成为这场跨国学艺运动的宇宙中心。 图源：陈小如啦啦啦 从泰拳、瑜伽到音疗冥想，从摇摆舞、银艺手作到泰餐、按摩，清迈的兴趣班早已自成宇宙。 有人本想做个按摩享受，结果反手考了张按摩师证；有人抱 着疗愈心态走进课堂，结业时却带走了一年的好心情。 所谓跨国学艺，就是利用"汇率差"进行一场文化套利， "用县城消费，学中产技能。" 跟出国留学不同，跨国学艺不卷 ...

Core Insights - The article discusses the evolving travel trends among workers, particularly focusing on the shift from traditional tourism to skill acquisition through international learning experiences in places like Chiang Mai, Thailand [1][39]. Group 1: Travel Trends - Workers have transitioned from high-density travel experiences, such as "5 days conquering 8 countries," to seeking more relaxed and fulfilling vacation experiences [2][3]. - The concept of "cross-border learning" has emerged, where individuals leverage currency differences to acquire skills at a lower cost, akin to a "fast-track vocational training" abroad [7][16]. Group 2: Chiang Mai as a Learning Hub - Chiang Mai is becoming a central hub for this trend, offering a variety of interest classes that cater to workers looking to invest in personal development rather than mere leisure [6][20]. - The affordability of courses in Chiang Mai allows participants to learn skills like Thai cooking or Muay Thai at a fraction of the cost compared to similar classes in their home countries [25][39]. Group 3: Experience and Social Interaction - Participants often find that these classes provide not only skill acquisition but also valuable social interactions with international peers, enhancing the overall experience [31][32]. - The focus on experiential learning, such as yoga, meditation, and traditional crafts, allows individuals to gain unique stories and skills that can be shared socially, moving beyond traditional tourism [21][28]. Group 4: Investment in Self-Development - The current trend reflects a shift in mindset where spending on learning experiences is viewed as an investment in oneself rather than mere consumption [16][26]. - Many individuals report that their experiences in Chiang Mai have led to personal growth and new career opportunities, such as opening a restaurant after learning to cook [25][32].

Core Insights - The article emphasizes the importance of adopting a low-profile lifestyle as a strategy for wealth accumulation, contrasting it with the ostentatious consumption habits of some individuals [1][2][3] Group 1: Wealth Accumulation Strategies - The first principle is to prioritize "value" over "face," suggesting that true wealth is reflected in savings and investments rather than in luxury goods [2] - The second principle advises against "depreciating assets" and encourages investment in "appreciating potential," such as government bonds and index funds, which can yield higher returns over time [3] - The third principle highlights the power of compound interest, illustrating how even small amounts can grow significantly when reinvested [4] Group 2: Financial Behavior and Risk Assessment - The article discusses how banks view low-profile individuals as low-risk clients, which can lead to better loan terms and financial opportunities [6] - It stresses the importance of a long-term perspective, where individuals focus on sustainable financial growth rather than immediate gratification [7] Group 3: Financial Habits for Success - The first recommended habit is to live within one's means and avoid overspending, which can hinder savings [10] - The second habit emphasizes the need to build a financial safety net before pursuing investments, ensuring that individuals are prepared for emergencies [11] - The third habit focuses on achieving positive cash flow growth rather than merely saving money, encouraging individuals to increase their income and manage expenses effectively [12] Conclusion - The article concludes that true wealth is characterized by the freedom to choose not to spend unnecessarily, highlighting the importance of thoughtful spending and investment decisions [13]

Core Insights - Investing $1,000 wisely can significantly enhance wealth-building, focusing on high ROI opportunities in both financial returns and future growth [1] Group 1: Debt Management - Paying off high-interest debt, such as credit card balances or personal loans, is a crucial step before investing, as it can yield returns equivalent to the interest rates saved [3] Group 2: Emergency Fund - Establishing an emergency fund is essential, with recommendations to save three to six months' worth of living expenses, ideally in a high-yield savings account for growth while maintaining accessibility [4] Group 3: Retirement Accounts - Maximizing contributions to tax-advantaged retirement accounts like 401(k) plans or IRAs is vital for millennials, leveraging compound growth over time [5][6] Group 4: Investment Vehicles - Investing in low-cost index funds or ETFs is advisable for indirect stock market exposure, as these funds diversify investments across numerous companies, mitigating risk while capitalizing on market growth [7] Group 5: Personal Development - Investing in personal skills or certifications can yield high returns, potentially increasing income and future investment capacity, making it a valuable use of funds [8]

Core Insights - The article emphasizes the importance of consistent small habits in building wealth over time, rather than seeking instant riches [10][11] Group 1: Practical Skills and Actions - Focus on learning practical skills related to financial goals daily, such as online courses or industry articles [1] - Take immediate action on money-making ideas with minimal cost instead of waiting for perfect conditions [2] - Record daily income and expenses to understand cash flow, which is essential for financial management [3] Group 2: Networking and Goal Setting - Actively engage with individuals in the target field, including peers and potential clients, to uncover opportunities [4] - Break down large financial goals into smaller, measurable targets to make them less daunting and easier to achieve [5] Group 3: Review and Health - Conduct weekly reviews to assess earnings, effective actions, and necessary adjustments for the following week [7] - Maintain basic health habits, such as adequate sleep and hydration, to ensure high energy levels for work and learning [8]