同事老周最近辞职了。 不是找到更好的工作，是被查出甲亢，医生让他卧床休息。可他盯着房贷账单犹豫了一周，最后还是拖着病体去上班："停一个月工资，房贷就断供了。" 这话戳中了无数职场人的痛点。我们每天挤早高峰地铁、熬夜改方案，嘴上喊着 "为了赚钱"，可真问 "赚钱为了啥"，大多只会说 "为了生活"。 其实赚钱的终极意义，从来不是银行卡里的数字，而是用这些数字换三样更值钱的东西。没活明白这一点，越拼命越容易陷入 "为钱打工" 的死循环。 前阵子暴雨，楼下小吃店被淹了。老板张姐蹲在门口哭，隔壁便利店老板却淡定雇人清理。 后来才知道，张姐把所有钱都投了装修，手里一分活钱没有；便利店老板每月雷打不动存 5000 到货币基金，攒了 10 万应急储备。 这就是赚钱的第一层意义：攒够 "抗风险资金"，让你在意外面前不用低头。 怎么存这笔钱？记住三个原则： 拒绝无效加班：如果存款够支撑生活，没必要为了加班费熬坏身体。 拒绝讨厌的工作：不用因为 "要吃饭"，困在勾心斗角的团队里。 拒绝违心社交：不想参加的酒局、不想维系的关系，都能直接推掉。 豆瓣上有个博主分享 "财务自由后的生活"：不用上班后，她从一线城市搬到小城，房租省了一半。 ...

文 | 银行螺丝钉 （转载请注明出处） 最早，打工是指用自己业余时间找一份工作，赚点钱补贴生活。 现在 「打工人」 已经泛指上班族了。 打工人还有出路么？ 对大多数人来说，找一份工作，是很好的一个开始。 大多数人，都是按步就班的，上学——高考——大学毕业后找一份工作。 从大学到社会，中间有一个经验积累的过程。 前几年的时候，流行「大众创业、万众创新」，也有不少大学组织大学生创业。 其实，创业本身，是一个失败率非常高的事情。 大多数公司存活时间，都不会太长。 找一份工作，是很好的开始。 可以积累经验，最后找到自己要奋斗一生的目标。 即便做到标普500级别的公司，已经是世界知名的大公司了，平均寿命也只有18年左右。 更不用说一个创业公司了。 一个大学生，刚进入社会，没有经验和资历，凭啥能成功呢？ 所以，创业最后，只有极少数人能成功。 不要一开始就创业，先工作几年、积累积累经验。 有了工作经验，发现工作中一些行业还没有被满足的需求，再去尝试，成功率会更高。 像螺丝钉也有类似的经历。 之前在银行工作的时候，发现了大部分投资者投资股票基金是亏钱的。 而传统基金销售，往往是在牛市大涨后、投资者追涨买入的时候，重点推荐股票 ...

以下文章来源于伯乐在线 ，作者伯小乐 小哥坦言，即便有 300 万美元净资产，自己依旧不开心。里面详细说了他对当前职业和生活状态的失望。虽 然有常春藤盟校的学士学历，在 IT 行业打拼多年，身材也保持得很好（常年健身六块腹肌），但他承认自己 过得不开心，还特别孤独。 伯乐在线分享IT互联网职场和精选干货文章（原域名已不再维护）。组织维护10万+star的开源技术资源 库，包括：Python, Java, C/C++, Go, JS, CSS, Node.js, PHP, .NET 等 33 岁程序员手握 300 万美元净资产，却想退休："我可不想像那位微软工程师一样猝死" "我 33 岁，净资产 300 万美元，能退休吗？" 这是一位在 Pinterest 的程序员小哥 Ra 在国外匿名社交平台上发的话题，引发了网友热议。 伯乐在线 . "我今年 33 岁，感觉真的撑不下去了。不管看哪里，满眼都是自负、谎言和恐惧。" 他解释，自己的投资包括一套能低息产生租金收入的房子，还有其他资产，所以现在有稳定的"现金流"。他的 长远计划是移居国外。 帖子里还提到："再也不搞 AI，再也不碰 IT 行业，再也不折腾这些没用 ...

Core Insights - JL Collins, a renowned financial educator, emphasizes two key strategies for wealth accumulation: investing in the Vanguard Total Stock Market Index Fund (VTSAX) and renting instead of buying a home [1][3][5]. Investment Strategy - VTSAX, with an extremely low expense ratio of 0.04%, covers nearly the entire U.S. stock market and manages over $1.9 trillion in assets, providing significant returns for long-term investors [5]. - Collins believes that VTSAX offers sufficient diversification for most investors while avoiding the complexities and high costs associated with actively managed funds [5]. Housing Perspective - Collins challenges the traditional notion of homeownership by advocating for renting, which allows for greater financial flexibility and career mobility [5][6]. - He cites his daughter's experience of avoiding the "house slave" mentality through renting, enabling her to make bold career choices without the burden of a mortgage [5][6]. Financial Philosophy - Collins' philosophy is rooted in his childhood experiences, where he witnessed financial instability, leading him to prioritize investment over job income [6]. - His advice is particularly relevant for millennials facing economic challenges, suggesting that continuous investment in low-cost index funds while avoiding heavy financial burdens from homeownership can lead to financial freedom [6].

Core Insights - Codie Sanchez is on a mission to create 1 million financially independent individuals through business ownership, leveraging her nearly two decades of experience on Wall Street [1] - Sanchez provides practical advice on building multiple income streams while maintaining a regular job, emphasizing the importance of diversifying income sources [2] Group 1: Income Sources - The first $100,000 earned typically comes from corporate wages, with a breakdown of 20% salary, 30% carry, 35%-40% bonuses, and 10%-15% commission, highlighting the reliance on earned income [3] - Sanchez emphasizes that salary should not be the sole income source as it may become unstable over time [3] Group 2: Leveraging Time and Expertise - Time can be leveraged to increase earnings, with Sanchez stating that trading time for money is a powerful strategy [4] - A service business can be initiated to help others, as demonstrated by Sanchez's own experience in creating business connections in Latin America [5] - Consulting is another income mechanism, where expertise can be monetized, with potential earnings averaging over $8,000 per month depending on various factors [6][7]

Core Viewpoint - Having 3 million yuan in savings is considered a rare achievement in China, significantly above the average household savings, but whether it allows for a comfortable lifestyle depends on various factors such as interest rates, personal consumption, and inflation [1][3][11] Summary by Categories Household Savings Context - The average household savings in China is approximately 320,000 yuan, making 3 million yuan nearly ten times the average [3] - Only 0.37% of households have savings exceeding 500,000 yuan, and less than 0.1% have over 1 million yuan, indicating that 3 million yuan is an exceptional amount [3] Financial Viability of "Lying Flat" - With 3 million yuan, a household can potentially "lie flat" financially, but this is contingent on three main variables [5] Variable Factors - **Bank Deposit Interest Rates**: The current 3-year fixed deposit interest rate is 1.55%, yielding only about 46,500 yuan annually, which is significantly lower than previous rates [6] - **Personal Consumption**: Living in high-cost cities like Shanghai or Shenzhen can quickly deplete savings if the household engages in high consumption [8] - **Future Inflation**: While past trends show rapid price increases, current economic conditions suggest a low likelihood of severe inflation in the near future, making it feasible to maintain financial stability with 3 million yuan [11]

Group 1 - The core viewpoint emphasizes the importance of health and living in the moment, suggesting that while investment aims to maintain or increase purchasing power, it is crucial to enjoy life and not overly sacrifice present enjoyment for future gains [1] - Investment should be approached with a mindset that balances financial goals with personal well-being, indicating that excessive frugality can lead to missed opportunities for enjoyment [1] - The article highlights that financial freedom allows individuals to make choices that enhance their quality of life, suggesting that the ultimate goal of earning money is to gain the freedom to live life on one's own terms [3] Group 2 - It is advised that ordinary investors should focus on long-term, positively yielding investment products to increase the likelihood of profitability, as market fluctuations can significantly impact those with lower risk tolerance [8] - The discussion includes the notion that investment should be seen as a hobby that provides learning opportunities and enjoyment, rather than solely a means to make money [11] - The article also mentions that the purpose of investing can vary greatly among individuals, with some seeking to validate their intelligence through investment success, while others may have different motivations at different life stages [12]

Core Viewpoint - The company, Hongyun, offers a tailored investment opportunity aimed at individuals seeking financial freedom and a better quality of life, emphasizing that dreams can be transformed into reality through participation [1] Group 1: Legality and Safety - Hongyun operates under strict compliance with national laws and regulations, ensuring a stable and secure platform for investors [2] - The platform is transparent, allowing participants to track the flow of funds and providing clear guidance for operations, which enhances trust and reduces legal risks [2] - Continuous optimization of processes and strategies by a professional team enables participants without financial backgrounds to engage confidently [2] Group 2: Easy Participation and Visible Returns - Hongyun provides a clear and understandable investment process, making it accessible for everyone, regardless of their investment experience [3] - Many participants have quickly achieved their first significant financial gains, which have positively impacted their families and personal lives [3] - The platform's strategies and market analysis help participants maximize the value of their investments while gaining practical experience [3] Group 3: Learning and Growth - Hongyun serves as a platform for learning and personal growth, allowing participants to connect with like-minded individuals and share insights [4] - The company offers resources for mastering financial knowledge, market analysis, and risk management, enhancing participants' financial literacy [4] - Wealth growth is not only about increasing numbers but also about expanding perspectives and improving decision-making skills [4] Group 4: Shared Prosperity Concept - Hongyun promotes a "shared prosperity" philosophy, ensuring that every participant can achieve tangible benefits [5] - The platform emphasizes teamwork and collaboration, enabling individuals to grow together and enhance both wealth and capabilities [5] - Successful investments reflect not only personal gains but also the collective value of the team, fostering a sense of shared achievement [5] Group 5: Seizing Opportunities - Joining Hongyun is presented as a starting point for financial freedom and improved quality of life, regardless of the investor's experience level [6] - The company stresses the importance of taking action rather than waiting, as opportunities can be fleeting [6] - Hongyun provides the necessary platform, resources, and strategies, leaving the decision to act in the hands of the participants [7]

Financial Perspective - The content reflects a mindset shift from consumerism to wealth accumulation, driven by a sense of scarcity [1] - Individuals may still use wealth as a reference point, despite considering it a superficial measure [1] Career & Financial Freedom - The content highlights a success story of achieving career autonomy and financial independence, potentially reaching an annual income of $300 thousand [2] - The resource suggests exploring strategies for achieving financial freedom, possibly through entrepreneurship or high-income skills [2]

#自由职业《一位贫穷的移民女孩，如何从零开始，一步步改变命运，30岁实现职业自主，挣到年薪30万美元，走上财务自由之路。》https://t.co/fx56qj0aNe推荐收听，道理总结地挺好。 ...