以下文章来源于Vista氢商业 ，作者何愚 "不过，所谓'荣誉退休'，是大厂独一份的顶级福利，还是'35岁优化'的另一美化版本？" 本文来自微信公众号： Vista氢商业 ，作者：何愚，编辑：卢力麟，原文标题：《"40岁前在腾讯一 次性拿到21个月工资荣誉退休"，提心吊胆怕35岁裁员的大厂打工人快羡慕哭了？》，题图来自：AI 生成 打工人每天在工位上思考的三大终极人生问题：中午吃什么，晚上吃什么，我到底还有多久才能退 休。 甚至已经有活通透了的秋招大学生先行一步，在听闻腾讯工作满15年就能提前退休之后，还没入 职，就已经开始迫不及待地找HR打听贵司有没有类似政策，结果得知贵司才刚过完8周年纪念日。 今年双十一，刚好是腾讯27岁的生日。时至今日，它终于赶上了自己15年前的员工平均年龄，俨然 已是国内活得最久的互联网企业之一。 就在四年前，当大家还在掰着手指头数自己得再熬三十年还是四十年才能退休时，腾讯抛出了一个时 间上打五折的方案，满15年就能提前退休，并额外获得"N+6" （N为工作年限） 的一次性退休金。 在腾讯内部，这项政策又被称为"荣誉退休"。 Vista氢商业 . 关心都市白领的消费生活 提供易懂有趣 ...

格隆汇11月25日｜据Vista氢商业，2021年，腾讯推出了国内互联网行业的首个退休方案。腾讯的"荣誉 退休"与普通的退休有两点明显的不同：一是钱更多，在法定退休福利之外，公司将额外提供"N+6"的 一次性退休金；二是时间更早，入职满15年之后的任意一年都可以"提前解锁"这一福利。 但荣誉退休的前提是，必须在腾讯以正式员工的身份连续工作满15周年，不包括实习，不算中途离职及 之前的时间，以及最近一次绩效考核不能落在最差的一级。 在鹅厂荣誉退休到底是怎样一种体验？氢商业找到了一位鹅厂工龄15年，并刚刚在四个月前实现荣休的 程序员Lily。39岁的Lily在腾讯当程序员的15年间，一共经历了30次考核，换了5次团队和岗位，从P8一 路升到了P11，年薪也水涨船高到百万级别。 "早在2020年，我就给自己定下五年后要FIRE（财务独立、提早退休）的计划。所以2021年腾讯推出荣 誉退休政策时，我心里的第一反应就是——太好了，不用再纠结怎么样才能把我按时裁掉。" "大厂工作时间真的太久了。"虽然腾讯在行业中已经算得上相对"佛系"，但"敏捷迭代"依旧是刻在互联 网基因里的东西。比如AI火起来的时候，老板要求她两周内就 ...

Precipio (NasdaqCM:PRPO) Q3 2025 Earnings Call November 17, 2025 05:00 PM ET Company ParticipantsIlan Danieli - CEOOperatorWelcome to the Precipio third quarter 2025 shareholder update conference call. All participants will be in listen-only mode. If you need assistance, please signal a conference specialist by pressing the star key followed by zero. Please note that the conference is being recorded. Statements made during this call contain forward-looking statements about our business. You should not place ...

Financial Data and Key Metrics Changes - For Q3 2025, the company achieved a positive adjusted EBITDA of nearly $500,000 and generated over $250,000 in cash from operations, marking a significant financial milestone [3][15] - Revenue for Q3 reached $6.8 million, representing a 30% increase year-over-year and a 20% increase quarter-over-quarter [6] - Adjusted EBITDA improved to $469,000 compared to $100,000 a year ago and a loss of $78,000 in Q2 2025, indicating a swing of over $500,000 in just one quarter [15] - Cash generated from operations was $285,000, a positive cash swing of $433,000 compared to a cash burn of $148,000 in the previous quarter [15] Business Line Data and Key Metrics Changes - The Pathology Services Division reported revenue growth from $5 million in Q2 to $6 million in Q3, a 20% increase, driven by new customer acquisitions [7] - The Products Division experienced a 16% quarter-over-quarter growth, increasing from approximately $620,000 in Q2 to $720,000 in Q3, primarily due to increased utilization from existing customers and new product introductions [9][10] - Gross margins improved from 43% to 44% overall, with the Pathology Services Division increasing margins from 43% to 46% [10][15] Market Data and Key Metrics Changes - The company has seen a tripling of its share price since the beginning of 2023, reflecting market confidence in its financial performance and growth strategy [5] - The company is experiencing a strong sales funnel with several new customers in trial phases, indicating a robust market demand for its services [7] Company Strategy and Development Direction - The company is transitioning from a defensive to an offensive strategy, focusing on reinvesting cash generated from operations to accelerate growth [3][5] - Future priorities include driving double-digit growth in both divisions, expanding margins, and reinvesting cash into growth initiatives [17] - The company aims to achieve a gross margin exceeding 50% by mid-2026 as both divisions scale up [15] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's self-sustaining business model, stating that it will no longer depend on outside capital for operations [16] - The company anticipates that increased market capitalization will present new strategic opportunities for growth and partnerships [16] - Management emphasized the importance of their mission, linking financial success to improved patient care outcomes [17] Other Important Information - The company is nearing the completion of its full repayment of Change Healthcare, which will free up cash generated from operations starting in Q1 2026 [16] - The company has made strategic investments in lab space and technical support to enhance operational efficiency and customer onboarding [11][14] Q&A Session Summary - No specific questions or answers were provided in the content regarding the Q&A session.

Core Viewpoint - The article emphasizes the importance of understanding money not just as a numerical game but as a means to achieve freedom and happiness in life, as articulated by Morgan Housel in his new book "The Art of Money" [8][16]. Group 1: Insights from Morgan Housel - Morgan Housel's perspective on wealth is shaped by his personal experiences, particularly the value of financial freedom over material possessions [9][12]. - Housel argues that the greatest benefit of money is the freedom it provides to live life on one's own terms, rather than to please others [26][35]. - He introduces the concept of viewing savings as a "ticket to freedom," where every dollar saved represents a choice and independence [28][30]. Group 2: Financial Independence Levels - Housel outlines a 15-level framework of financial independence, ranging from complete reliance on others to total control over one's time and life [36][37]. - Each level corresponds to a degree of control over one's life, emphasizing that financial independence is a gradual process rather than an immediate achievement [53][56]. - The framework encourages individuals to recognize their current level and take incremental steps towards greater independence [54][58]. Group 3: The Power of Compound Interest - Housel highlights the concept of "silent compounding," illustrating that wealth accumulation is often a slow and steady process rather than a quick gain [59][60]. - He emphasizes the importance of starting early with savings and investments, as time is a crucial factor in realizing the benefits of compounding [65][66]. - The article stresses that maintaining a steady and patient approach to investing is key to achieving long-term financial success [66][68].

Core Viewpoint - Morgan Housel's new book "The Art of Money" explores how wealth should be used, emphasizing the deep connection between money, human nature, happiness, and lifestyle choices [2][7][10]. Summary by Sections Personal Influence on Wealth Perspective - Morgan Housel's views on wealth are shaped by his upbringing in a financially constrained family, where his father became a doctor later in life, leading to a life of extreme frugality [7][8]. - Housel believes that the true value of money lies in the freedom it provides to make choices, rather than merely accumulating wealth [8][11]. Money and Freedom - Housel argues that the greatest benefit of money is the freedom to live life on one's own terms, rather than seeking to please others [11][17]. - He illustrates this with the contrasting stories of two sailors, highlighting that true freedom comes from living for oneself rather than for external validation [16][17]. Saving and Investment Strategies - Housel suggests viewing savings as a "ticket to freedom," where saved money represents the ability to refuse undesirable jobs or spend time with family [19][23]. - He emphasizes the importance of balancing living in the moment with future savings to minimize regrets [20]. Financial Independence Levels - Housel introduces a scale of financial independence from complete reliance on others to total control over one's time, encouraging individuals to progress gradually through these levels [24][25]. - Each level reflects a degree of control over one's life, with the ultimate goal being the ability to live freely and according to personal values [41][42]. The Power of Compound Interest - Housel highlights the concept of "silent compounding," where wealth grows significantly over time through consistent saving and investing, even with modest amounts [45][46]. - He emphasizes that patience and a long-term perspective are crucial for financial success, as demonstrated by Warren Buffett's investment strategy [48][49]. Key Wealth Insights - Housel's insights include the idea that true wealth is not just about how much one has, but about the gap between what one has and what one desires [64][65]. - He stresses that money should serve as a tool for achieving personal values and happiness, rather than a measure of status [68][69].

Core Insights - The article discusses the financial philosophy of Morgan Housel, emphasizing the relationship between money, freedom, and happiness [10][17][23]. Group 1: Morgan Housel's Background and Philosophy - Morgan Housel is a partner at Collaborative Fund and a bestselling author, known for his book "The Psychology of Money," which sold 8 million copies globally [3][4]. - His new book, "The Art of Money," explores how wealth should be used, focusing on the deeper connections between money, human nature, happiness, and lifestyle [4][10]. - Housel's personal experiences, particularly his family's financial struggles during his childhood, shaped his understanding of money as a means to achieve freedom rather than mere accumulation [6][7]. Group 2: The Concept of Financial Independence - Housel defines financial independence not by the amount of money one has, but by the degree of control one has over their life [25][42]. - He introduces a 15-level framework of financial independence, ranging from complete reliance on others to total freedom in managing one's time [24][25]. - Each level represents a different degree of autonomy, and individuals can progress gradually through these levels [42][44]. Group 3: Practical Strategies for Financial Freedom - Housel suggests viewing savings as a "ticket to freedom," where saved money represents the ability to make choices and avoid undesirable situations [19][23]. - He emphasizes the importance of balancing living in the moment with saving for the future, advocating for minimizing future regrets [19][20]. - Two practical strategies include spending money on experiences that create lasting memories and viewing savings as investments in independence and security [20][21]. Group 4: The Power of Compound Interest - Housel highlights the concept of "silent compounding," where wealth grows over time through consistent saving and investing, rather than through high-risk strategies [46][49]. - He illustrates that even small, regular savings can lead to significant wealth accumulation over the long term [51][52]. - The key to successful investing is patience, maintaining a steady approach, and minimizing frequent decision-making [52][53]. Group 5: Wealth and Happiness - Housel argues that true wealth is not about material possessions but about the freedom to live life on one's own terms [57][58]. - He stresses that money should be a tool for enhancing life rather than a measure of self-worth or status [66][68]. - The ultimate goal is to achieve a state of contentment and independence, where financial decisions align with personal values and happiness [60][64].

Core Insights - The article emphasizes that true wealth is defined by independence and the ability to control one's life, rather than merely accumulating material possessions [3][5][11] - It argues that every dollar saved is a "voucher" for future choices, highlighting the importance of financial independence [5][6][21] Financial Independence Spectrum - The article outlines a spectrum of financial independence, ranging from complete reliance on others to total financial freedom [13][20] - Each level of the spectrum represents a different degree of control over one's financial situation, with higher levels indicating greater independence and stability [14][16][19] Case Studies - The contrasting stories of two athletes, Antoine Walker and John Urschel, illustrate different approaches to wealth and financial management [7][10][11] - Walker, despite earning $108 million, faced bankruptcy due to poor financial decisions, while Urschel, with significantly lower earnings, achieved financial stability through saving [7][10] Importance of Time and Freedom - The article stresses that spending money to gain time and freedom is often overlooked but is crucial for enhancing life satisfaction [6][20] - It suggests that financial independence allows individuals to make choices based on personal desires rather than financial constraints [11][20] Conclusion - The pursuit of financial independence is accessible to everyone, regardless of income level, and can significantly improve quality of life [21] - The article encourages viewing savings as an investment in personal freedom and the ability to live life on one's own terms [21]

Core Insights - The article discusses the journey to financial independence through disciplined living and strategic investing [2] - It emphasizes the importance of dividend growth investing and identifying undervalued high-quality stocks [2] Group 1: Financial Independence Journey - The individual transitioned from being financially unstable at age 27 to achieving financial freedom by age 33 [2] - The approach involved living below means and making intelligent investment decisions [2] Group 2: Investment Strategies - Focus on dividend growth investing as a primary strategy for generating income [2] - Highlighting the significance of high-yield situations and long-term investment opportunities [2]

Core Insights - The article discusses the journey to financial independence through disciplined living and strategic investing, highlighting the transition from financial struggle to freedom within a six-year period [2]. Group 1: Financial Independence Journey - The individual began blogging in 2011 about achieving financial independence by living below means and investing wisely [2]. - Achieved financial freedom at the age of 33 after starting from a position of being "below broke" at age 27 [2]. Group 2: Investment Focus - The content created focuses on dividend growth investing, emphasizing the importance of living off dividends and identifying undervalued high-quality dividend growth stocks [2]. - The strategy includes exploring high-yield investment opportunities and other long-term investment prospects [2].