A 2025 survey by FlexJobs found that two-thirds (64%) of Americans define financial success as requiring at least a six-figure salary. Half (49%) said an income between $101,000 to $250,000 represents success. But that feels awfully simplistic. “It’s possible to earn $250,000 a year and still feel broke — and possible to earn $85,000 and feel in control,” notes Lon Welsh, founder at Ironton Capital. The difference lies in how people define ‘enough,’ debt levels, family responsibilities and the breathing ...

第一级，10万以下是温饱层 众所周知，国内有4.94亿个家庭。而在这些家庭当中，存款的差距是非常巨大的。有些家庭的存款达到数百万，甚至数千万级，也有些家庭在银行几乎没有 什么存款，而且还欠着银行的房贷、车贷、消费贷等债务。最近，网上又有新版的家庭"等级表"出炉，共分成6人等级，而多数人竟卡在第2级。看看你目前 处于哪一级别？ 在国内很多家庭都欠着银行的各种债务，他们在银行的存款几乎为零，稍微好一点的也只有几万元存款作为应急资金。而像这类存款在10万元以下的家庭应 该算是温饱层。主要是因为，这些家庭由于收入不高，日常开销比较大，所以存款数量较少，他们在抵御失业、疾病等风险方面的能力非常的脆弱。根据央 行显示，国内有90%的家庭存款要低于10万元。 如果你的存款在50-100万之间，那就是属于富裕家庭了，在国内也算是凤毛麟角。央行数据显示，全国存款超50万的家庭，才占0.37%。现在全国有近5亿户 家庭，算下来也就185万户能达到这个标准。如果你的存款在50-100万之间，不仅可以解决当前的失业、疾病等突发事情，就连将来养老也不用发愁了。届 时，如果你每个月有一笔稳定的退休金，再拿这50-100万来补贴家用，退休 ...

来源：兵哥事务所 我们算一笔账。 如果一个年轻人研究生毕业后顺利参加工作，工资第一年为25万，工资每年递增2%，这个增速考虑和 未来中长期的通货膨胀率相当。 工作到60岁后退休开始领取退休金，退休金为第60岁工资的90%，此后退休金继续按照2%的速度递 增，持续到90岁结束。 这份工作是不是很完美了？ 我们对这笔现金流进行折现，折现率我这里按照股权资产的回报率计算。 1999年到2024年，纳斯达克指数的年化收益率高达12.5%，标普500指数为9.2%。 沪深300指数成立于2004-12-31，基准点是1000点，现在点位是4645点。我们按照21年计算，年化收益 率是7.6%，是不是也挺高的？ 我们按照4%的折现率计算，这份工作的现金价值是877.8万，如果按照8%的折现率计算，这份工作的现 金价值是455.9万。 这就是这份工作，也是一个在社会上处于中上地位的人，一辈子的财务价值。 50岁，1900亿美元。 54岁，7520亿美元，成为人类历史上首位突破7000亿美元的富豪。此时，他的财富已超过全球富豪榜第 二至第四名（拉里·佩奇、拉里·埃里森、杰夫·贝索斯）的财富总和。 稳妥期间，我们再把首付+车的 ...

有人说80后是如今社会上压力最大的一代人。 她就是豆瓣抠组女神王神爱，正如她的名字一样，她的生活方式对我们大部分人来说简直就是神一般的存在。 作为一个有钱有颜的小姐姐，她基本上不购物、不聚会、每年买衣服的钱一共也不到100块钱，平常日用品全靠薅羊毛，奢侈品对她来说就是"粪土"。 她这样做只有一个原因，省钱，你也可以说她抠门，但正是这样的生活方式，让她在9年内买了2套房。 南京的2套房，是很多中青年人可望而不可即的成就。 与其说她全靠"抠"，我觉得用"省"来形容她的生活方式更贴切一些。 正处于中年的他们，上有老下有小，不敢生病、不敢辞职、不敢休息，他们拼命的努力赚钱，只为了能够有一个"更好的生活"。 但是每个人对"更好的生活"的定义不同，有人说吃喝不愁、有人说有大房子、有人说被爱着。 最近南京这位80后的小姐姐对生活的理解一度被骂上热搜，只因为她用9年"抠"出了2套房。 每个人都在渴望财富自由，这位小姐姐在33岁这一年也实现了这个梦想，她说：我实现了最低层次的财务自由，不是因为我赚的多，而是因为我花的少。 已婚已育的王女士，南京的IT白领，拿着并不低的薪水，和先生两个人每个月的储蓄可以达到90%，和月光族比起来 ...

3. 心态的调整： 良好的心态是财富增值的保障。理财过程中，难免会遇到挫折和失败，关键是要保持冷静和理性，不为市场短期波动所动。长期来看， 坚持正确的理财原则，才能实现财务自由。 结尾：攒钱不如生钱，是现代财富管理的核心理念。通过复利的力量、合理的资产配置、多渠道投资、风险管理和持续学习，你可以更好地实现财富的增 值。希望本文能够帮助你树立正确的财富观念，走上财务自由的康庄大道。 在当今快速变化的经济环境中，仅仅靠攒钱已经无法应对通货膨胀和生活成本的不断上涨。作为一名顶级的财富和人性专家，我认为，有效利用资金进行生 钱才是财富增值的关键。本文将深入探讨财富增值的核心理念，并提供实用的策略，帮助读者实现财务自由。 1. 纯粹攒钱的风险：许多人认为攒钱是最安全、最稳健的理财方式。然而，这种观点忽略了通货膨胀的影响。长期以来，通货膨胀率通常高于定期存款 利率，这意味着如果只是将钱存入银行，实际购买力会逐渐下降。 2. 缺乏长远规划： 单纯攒钱往往缺乏长远的财务规划。没有明确的理财目标和策略，资金的使用效率会大大降低。长此以往，财富增值的速度将远远落 后于物价上涨的速度。 3. 机会成本的忽视：存钱虽然安全，但忽视了 ...

我卖掉了房子。 准确说，是割肉止损了结一笔持续四年的坏账。 决定买下它，只用了一个下午。 决定卖掉它，我纠结了三年。 这三年，与其说是在等房价回暖，不如说是在等自己"认输"。直到我彻底想通一件事：在财务的资产负 债表上，感情用事，是成本最高的负债。 这是一场价值百万的资产逻辑纠偏。 让我下定决心的，不是某个专家的分析，而是一个最基础的财务概念的颠覆——到底什么是"资产"？ 我们从小被灌输：房子、车子、存款，是资产。是"好东西"，是"家底"。 但真相是残酷的：不能带来正向现金流入的东西，都是负债。它们只是在消耗你的现金，伪装成资产的 样子。 我那套房子：每月吞噬房贷利息、物业费，每年因折旧和市价阴跌而缩水。它不再是我的"资产"，而是 我名下每月定时扣款的"不良负债"。 当年买房，理由无比正确：为了儿子上学。看了学校旁的房子，冲动之下，用了最高的价格、背了最高 的利息。 这几年我反复算一笔账：房价下跌的损失+利息成本+机会成本（这笔首付本可产生的投资收益），足 够我在学校隔壁租一套更好的房子，并雇一个专职保姆接送孩子，舒舒服服用上几年。 而我，却为了一个"拥有学区房"的虚名，把自己套牢在钢筋水泥的债务里，忍受着资 ...

不是说永动机从根本上违背了物理学两大定律吗？ 那为什么生活这台永动机它就是不停，还越转越快呢？ 上班比谁加班晚，下班比谁家娃学得多，连朋友圈都在比谁的"精致生活"更耀眼。钱包好像永远追不上欲望，焦虑成了日常背景音。 是谁让永动机越转越快的？ 是你，是我。 其实，我们都累了。不想再被"必须要更多、要更好"的声音裹挟着向前冲。 快乐是免费的，但是想要特别快乐，就要花一点钱了。 打破金钱迷思，学会终身受用的理财哲学。摆脱金钱的束缚，让我们一起避免贯穿一生的财务焦虑。 02 《觉醒吧！薪人类》 今天这份书单，就是想和大家聊聊，怎么从"心"和"钱"这两个根源上，做做减法，活得更自在。 我想，真正的富足生活，不是拥有最多，而是被真正需要的事物包围；好的财富观，不是攀比数字，而是构建让自己有安全感、有选择权的生活系统。 希望这几本书，能让我们一起，从内部开始，温柔地"反内卷"。 01 《有钱，能买到快乐吗》 [美]乔纳森·克莱门茨 著 裴勇 译 [新加坡]觉醒的工薪族 著 加菲猫看世界 译 治愈千万网友的金钱、工作与幸福的能量之书。 漫画+解说，幽默呈现生活、工作中的困难与压力，莞尔一笑之间，释放压力。 03 《小步向前》 ...

Core Viewpoint - The article emphasizes the importance of asset allocation and long-term investment strategies for achieving financial freedom, suggesting that individuals should invest a significant portion of their income in the stock market over time to build wealth. Group 1: Market Trends - Asian stock markets are experiencing fluctuations, with Hong Kong showing upward movement despite other markets being volatile [1] - The Hang Seng Index has recently rebounded after a period of underperformance, indicating a search for undervalued assets by investors [3] Group 2: Investment Strategy - A hypothetical scenario illustrates that starting to invest 20% of an annual salary of 200,000 with a 2% annual salary increase and an 8% annual return can lead to significant wealth accumulation by age 50 [4][5] - By age 50, the stock asset returns can surpass annual income, providing a sense of financial freedom and the possibility of early retirement [7] - Increasing the investment portion to 60% of the salary can lead to even greater returns, with stock assets potentially reaching 35 million by retirement age [12] Group 3: Historical Returns - Historical data suggests that global stock markets have provided an average annual return of around 8% over the past 200 years, with some periods showing even higher returns [13] - Specific data from 2015 indicates that funds established at market highs have still yielded reasonable returns over a decade, reinforcing the idea that long-term investment can mitigate the effects of market timing [14][16] Group 4: Investment Guidelines - The article concludes that to achieve relative financial freedom, individuals should consistently invest 20% to 60% of their income and maintain a long-term holding strategy, avoiding high market entry points [13][16]

Core Insights - The article emphasizes the importance of financial literacy and management, highlighting that the ability to make money work for oneself is crucial in today's economy [1][4][6] Group 1: Financial Struggles - Many individuals work hard but still struggle financially due to inflation and rising living costs, which erode their purchasing power [1][2] - The article illustrates that even with a higher salary, individuals may still feel financially constrained due to the increasing costs of housing, education, and healthcare [1] Group 2: Importance of Financial Management - Financial management is not just for the wealthy; it is essential for everyone, especially those with lower incomes, to prevent poverty [2][3] - The article argues that financial management is about taking control of one's finances rather than engaging in speculative investments [3][4] Group 3: Systematic Approach to Investing - Successful financial management requires a systematic and disciplined approach rather than emotional reactions to market fluctuations [5] - A suggested investment framework includes emergency savings (20%), stable investments (50%), growth investments (20%), and high-risk ventures (10%) [5] Group 4: Long-term Investment Philosophy - The article stresses the value of patience in investing, noting that consistent, long-term contributions can lead to significant wealth accumulation over time [5] - It warns against the pitfalls of impulsive trading and emotional decision-making, which can lead to financial losses [5] Group 5: Financial Freedom and Psychological Well-being - Ultimately, effective financial management leads to not only financial freedom but also psychological freedom, allowing individuals to make choices without fear of financial instability [5][6] - The article concludes that financial literacy is a vital life skill that prepares individuals for future challenges [6]

Core Viewpoint - The article emphasizes the importance of long-term investment strategies over short-term market fluctuations, suggesting that true financial freedom is achieved through consistent, well-researched investments rather than relying on market trends or bull markets [2][3]. Group 1: Market Observations - The stock market has experienced significant growth, with the ChiNext index rising by 125% over five months, indicating a period of extreme market enthusiasm since 2008 [2]. - Historical patterns show that despite numerous bull markets, only a small fraction of investors achieve financial independence, highlighting the disparity between market performance and individual investment success [2]. Group 2: Investment Philosophy - Investment should be viewed as a long-term endeavor, focusing on achieving financial freedom rather than short-term gains, making market volatility less significant [3]. - The article critiques the current investment literature for being overly theoretical and lacking practical, up-to-date case studies that demonstrate effective investment analysis methods [3]. Group 3: Information Processing - In the era of abundant information, the ability to effectively process and interpret data is crucial for making informed investment decisions, necessitating a robust information management system [4]. - Developing a strong commercial understanding and insight is essential for investors, which requires ongoing personal development and commitment [4]. Group 4: Learning and Growth - The article stresses the long-term benefits of continuous learning in investment, suggesting that the differences in wealth accumulation become pronounced over extended periods, such as five to ten years [4].