有没有过这种困惑？ 工作中，你比旁人都肯吃苦，但就是业绩平平，涨不了工资； 创业路上，明明一样的风口，别人大赚特赚，偏偏就你不行； 生活中，好不容易赚来点钱，还没捂热乎呢，又不知道被花哪去了。 大伙好像很倒霉，不管怎么努力，钱袋子都始终那么瘪。 美国商业教练哈维·艾克，就接触过很多这样的学员。 他们特别委屈，不停地问哈维：难道这一切都是命？ 哈维·艾克打了一个比方。 假如财富是树上的果子，要想果子又多又大，你得从树根上想办法。 财富世界里，看不见的东西，决定看得见的东西。 穷人和富人之间最大的差距，不是"看得见"的资源、机会、努力的程度…… 而是看不见的那些东西，思维、心态、认知、能力、格局，等等。 用哈维·艾克的话说： 有钱人长着不一样的脑袋。 在著作《有钱人和你想的不一样》中，哈维用一个个精彩的"暴富故事"，向我们揭秘： 有钱人的脑袋，每天都在想什么，有钱人的世界，到底是什么样子？ 看完这本书后，你会骤然发现： 是穷是富根本不是命，全在人如何武装自己的"脑袋"。 作者： 瑾山月 来源：每晚一卷书 （ID: JYXZ89896） 把钱照顾好，财运便滚滚而来 。 ♬ 点上方播放按钮可收听洞见主播亚楠 朗读音频 ...

Group 1 - The core viewpoint is that the rising enthusiasm for savings among Chinese residents is significantly influenced by the impact of the three-year pandemic, leading to a preference for safer bank deposits over riskier investment channels [1][3] - There is a stark disparity in the total amount of personal savings, with only 0.37% of households having savings exceeding 500,000 yuan, which translates to approximately 5.18 million households in a population of around 1.4 billion [3][7] - The wealth gap is a major factor contributing to this disparity, with only 2% of the population holding 80% of the savings, while 98% share just 20% [7][10] Group 2 - The difficulty for ordinary families to accumulate 500,000 yuan in savings is highlighted, as most have a monthly income between 3,000 and 6,000 yuan, making it challenging to save significant amounts due to rising living costs [7][10] - High housing prices consume a large portion of family savings, with typical homes in first to third-tier cities costing between 1 million to 2 million yuan, leading to long-term mortgage burdens [7][10] - The emergence of high-risk investment options, such as P2P lending, has diverted funds from families that could otherwise contribute to higher savings, affecting the proportion of families with substantial deposits [8][10]