乔布斯不光是伟大的产品经理和企业家，他的财商一样犀利过人，却常被忽视。 乔帮主唯一推荐过的商业书籍是《创新者的窘境》，不过这个中文书名挺误导人的——作者真正想讲 的，是创新者可以给既有巨头造成"生存难题"。而乔布斯，简直把这个思路玩到了出神入化的地步。 当乔布斯重返苹果时，公司负债累累、连年亏损，市值只剩15亿，连生存都成问题。乔布斯躬身拉来 了微软的投资，两个大佬握手言和，成就一段佳话。 回归后，乔布斯先给苹果产品线"瘦了身"。他用"消费级/专业级"、"台式/便携"四象限分类，原本杂 乱的产品矩阵瞬间清爽。 以下文章来源于会讲故事的经济学 ，作者作者 财商有用吗？这要看3点：1.让孩子了解社会，2.适应新课改，3.认知行业和学科规律。即使不经商，商 业思维也是天天要用的必备技能。真正的财商不是讲存钱，也不是聊投资，而是学习商业世界的运行原 理。《会讲故事的经济学》，销量超过500万册！ 会讲故事的经济学 . 图源丨Midjourney 要注意的是，iPod虽然技术含量不算高，苹果却从没丢过"高端"的魂。同样是MP3，别的厂商总在 琢磨"怎么更便宜"，iPod却靠设计和体验成了年轻人追捧的"潮品"。这跟那些只 ...

Core Viewpoint - The article discusses the success of the children's financial literacy book "The Economics That Tells Stories," authored by investor Yang Dong, which has sold 250,000 sets and 5 million copies, becoming a bestseller in the financial literacy category for children in China [1]. Group 1: Book Overview - The book has received endorsements from notable figures such as Lin Yifu, Fan Deng, Yu Minhong, and Zhou Hongyi, contributing to its popularity on various e-commerce platforms [1]. - Yang Dong aims to cultivate business thinking in children, addressing a gap in financial literacy that he observed among entrepreneurs and business leaders [2][5]. Group 2: Educational Philosophy - Yang Dong emphasizes the importance of instilling business thinking from a young age, aligning with current educational reforms that focus on practical applications and real-world connections [5][6]. - The book integrates complex concepts like "sunk cost" and "game theory" into engaging stories, making them accessible for children [2][9]. Group 3: Unique Aspects of the Book - The book differs from traditional children's literature by incorporating compelling narratives with real conflicts and resolutions, encouraging repeated reading among children [8]. - It provides a comprehensive knowledge framework, allowing children to understand the evolution of business concepts through interconnected stories [8][9]. - The book includes a "knowledge bank" that explains interdisciplinary principles, seamlessly integrating subjects like psychology and mathematics into the context of business [9]. Group 4: Practical Applications - Yang Dong suggests that parents can nurture their children's business thinking through everyday conversations about commercial phenomena encountered in daily life, such as discussing the reasons behind the success of chain stores or the logistics of product distribution [7]. - The book also serves as an introduction to investment concepts, illustrating how business thinking is essential for understanding investments and decision-making processes [12][13].

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： yimo 来源： 男孩派 （ID: boy666dj） 暑假考验的是家长。 ♬ 点上方播放按钮可收听洞见主播晏娇朗读音频 放暑假以来，儿子时常闷在房间里玩游戏，让我忧心不已。 总担心他把这个暑假荒废掉，开学的时候掉队。 我的担心并不是多余的，看过一项美国约翰·霍普金斯大学的研究，他们发现： 如果孩子暑假放纵颓废，新学期表现会大幅落后，这就是有名的"暑假退步"现象。 暑假长达两个月的时间里，我们不能太顺着孩子，要学会给孩子做好规划。 我问DeepSeek，如何给孩子规划好暑假的生活？ 它给出七条建议，我们只要照着做，就能让孩子过一个充实、成长、有内容的暑假。 今年的高考作文因为难懂冲上了热搜。 很多阅读量低的孩子，看着作文题一头雾水，完全无法下笔。 随后的中考也是如此，中考的试卷开始呈现一种"半小说化"的趋势。 一个孩子的阅读水平，几乎决定了他的语文成绩。平时阅读少的孩子，根本读不懂题。 在这样大趋势之下，孩子必须大量阅读。 ...

Core Viewpoint - The article emphasizes the importance of self-healing and personal growth, suggesting that individuals should take proactive steps to improve their mental and physical well-being in the second half of 2025 [4][7][102]. Group 1: Physical Health - The article highlights the need to repair one's body, noting that neglecting health can lead to a decline in immunity and overall well-being [11][12]. - It suggests practical steps such as regular exercise, maintaining a balanced diet, and getting adequate sleep to enhance physical health [10][16][19]. Group 2: Environment and Organization - The importance of a clean and organized living space is discussed, indicating that a tidy environment can positively influence mental state and reduce stress [20][21][23]. - Recommendations include decluttering, organizing seasonal clothing, and maintaining a regular cleaning schedule [28][30][32]. Group 3: Emotional Well-being - The article addresses the impact of negative emotions and relationships, advocating for the importance of surrounding oneself with positive influences and distancing from toxic relationships [34][49][51]. - It encourages individuals to manage their emotions effectively and not dwell on past grievances [36][44]. Group 4: Financial Literacy - The article presents alarming statistics about the financial situation of young people in China, with a debt rate of 86.6%, suggesting that financial stress can significantly affect overall well-being [41][42]. - It advises enhancing financial literacy and managing expenses wisely to alleviate financial burdens [45][47]. Group 5: Personal Development - The article emphasizes the need for mental resilience and the ability to adapt to life's challenges, comparing individuals to resilient creatures in nature [62][102]. - It encourages continuous learning and self-improvement as a means to navigate difficulties and achieve personal growth [90][93]. Group 6: Connection with Nature - The benefits of spending time in nature for mental health are highlighted, suggesting that regular exposure can help alleviate stress and promote relaxation [84][86]. - The article encourages individuals to disconnect from technology and engage with the natural environment for better mental clarity [87][88].

Core Insights - The article emphasizes the distinction between being an employee and an entrepreneur, highlighting that true understanding of financial responsibility comes only when one is forced to manage their own economic survival [7][12][14] - It discusses the psychological barriers and societal conditioning that prevent individuals from fully engaging with the concept of money and wealth creation [10][19][20] - The author advocates for a proactive approach to learning about money, suggesting that understanding financial principles is essential for achieving financial independence [25][28] Group 1: Employee vs Entrepreneur - The article contrasts the security of a fixed salary with the unpredictability of entrepreneurship, suggesting that the latter forces individuals to confront their financial responsibilities [11][13] - It points out that many employees become complacent, focusing on minimal effort to maintain their jobs rather than actively seeking to improve their financial literacy [11][19] - The narrative suggests that the comfort of a stable job can lead to a lack of urgency in understanding and managing money [16][18] Group 2: Psychological Barriers - The author reflects on the shame and aversion many feel towards discussing money, which can hinder their financial growth [10][19] - There is a recognition that societal norms often prioritize academic and personal growth over financial education, leading to a lack of financial acumen [20][27] - The article suggests that this mindset can create a cycle of dependency on stable income without the skills to generate wealth independently [19][20] Group 3: Learning and Financial Responsibility - The article emphasizes the importance of actively studying financial concepts and strategies to overcome the fear associated with money [25][28] - It proposes a structured approach to learning about money, advocating for direct engagement with financial topics rather than avoidance [25][28] - The author concludes that true financial independence requires a shift in mindset, where individuals take responsibility for their financial education and outcomes [28]

Group 1 - The recent collective reduction of deposit rates by six major state-owned banks has caused significant concern among ordinary households, with three-year fixed deposit rates falling below 1.5% and large-denomination certificates of deposit yielding only 1.9% [1] - Over the past decade, there has been a clear downward trend in bank deposit rates, with three-year fixed deposit rates dropping from around 5% in 2015 to 1.5% today, leading to a substantial decrease in interest income for depositors [1] - The phenomenon of "negative interest rates" is pressuring many conservative investors and retirees who rely on deposit interest for income, as real returns may be negative when considering inflation [1] Group 2 - Investors are increasingly turning to the stock market as a response to shrinking savings, although the stock market carries its own risks and is not a guaranteed safe haven [1] - The annualized return of the Shanghai Composite Index over the past decade has been 5.8%, significantly higher than the current deposit rates, but this figure is accompanied by many investors' losses [1] Group 3 - Stock market investment requires caution, and investors should adhere to principles such as only using idle funds that are not needed for three years, limiting individual stock investments to no more than 20% of total assets, and focusing on essential sectors like consumer goods and healthcare [3] - Diversification is recommended for investors with lower risk tolerance, with options including high-quality bonds, money market funds, gold, and bank wealth management products [5] Group 4 - Ordinary households should enhance their financial literacy to rationally cope with the pressure of declining deposits, focusing on understanding different investment products and avoiding blind speculation [7] - It is essential to adopt a long-term investment perspective and optimize household financial structures to improve risk resilience, including reducing unnecessary expenses and increasing income sources [7]