硅谷著名投资人拉文吉亚指出： 2025年，简单的钱已经赚完了。未来的增长将不再来自于追逐风口，而是来自于深刻的认知 差与系统性的价值创造。 ♬ 点上方播放按钮可收听洞见主播安东尼朗 读音频 刚刚过去的一年里，很多人都感受到一种无力。 有人副业停摆，有人投资缩水，也有人明明很努力，收入却不见起色…… 在复杂的经济环境下，我们以往熟悉的赚钱逻辑，似乎正在悄然失效。 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： 许朝暮 来源：每晚一卷书 （ID: JYXZ89896） 你并非赚不到钱，而是对钱没概念。 这意味着，2026年想要破局，就必须用新的思维，打开新的可能。 今天，洞见君给大家推荐10本书，每一本都是经典之作。看完后，你搞钱的思路将会大大拓 宽。 01 《富爸爸穷爸爸》 全球投资大师沃伦·巴菲特说： "《富爸爸穷爸爸》的价值不仅在于它教人理财，更在于它彻底重塑了人们对财富的认知框 架。" 这本书的作者罗伯特·清崎，自称有两个爸爸。 其中，"穷爸爸"是清崎的生父，在大学 ...

（原标题：早点告诉你的孩子，一定要对钱有概念） 《富爸爸穷爸爸》说： "如果你不教孩子金钱的知识，将来有其他人取代你，比如债主、警察，甚至是骗子。" 前几天在超市，看到这样一幕： 孩子想买玩具，妈妈觉得太贵了，就对她说："我没有钱了"。 孩子哭着说："你骗人，你有手机，就有钱，手机扫一扫就能买。" 先不说妈妈这种处理方式对不对，就说孩子对钱的认知，很多孩子估计和这个小男孩一样，觉得钱是从 手机里来的，取之不尽用不完。 再加上很多家长对孩子有求必应，移动支付普及，很少见到现金，孩子对钱没概念，养成了想买啥就得 买啥，也不懂珍惜，主打喜欢、任性。 很多父母觉得，孩子长大就懂事了，但金钱观从来不是 "长大自然就懂"，而是需要从小引导。 金钱教育是人生的必修课，也是儿童教育的重心。 让孩子明白钱怎么来、怎么花、怎么存，才能培养出理性消费、懂得规划的金钱观，这比单纯的知识教 育更重要。 以下3个方面，家长一定要尽早教给孩子。 01 对挣钱有概念 经济学家杨长江曾说： "中国孩子压根就没有金钱意识，孩子们不知道金钱是从哪里来的。 在孩子的眼中，金钱就像是一种玩具，一张可以随意摆弄的纸。" 很多孩子觉得爸妈赚钱很容易，想要 ...

Group 1 - The article emphasizes the importance of financial literacy and developing a proper money mindset as the first step towards wealth freedom, especially for beginners who feel they have "no money to manage" [4][5][6] - It introduces engaging and easy-to-understand books like "The Rich Dad Poor Dad" and "The Little Money Dog" to help readers build a new understanding of wealth and financial management [5][6] - The article highlights the significance of value investing, founded by Benjamin Graham, which focuses on finding stocks priced below their intrinsic value for long-term gains [8][9] Group 2 - "The Intelligent Investor" is presented as a foundational text in value investing, introducing the concept of "margin of safety" to protect against market volatility [9] - "Warren Buffett's Letters to Shareholders" provides insights into Buffett's investment philosophy, emphasizing the importance of long-term competitive advantages and intrinsic value over short-term price fluctuations [10] - Practical methods for applying value investing principles in stock selection and asset allocation are discussed, including industry analysis and financial metrics [11][12] Group 3 - The article discusses the basics of technical analysis, which helps investors make informed decisions based on historical price and volume data [15][16] - "Japanese Candlestick Charting Techniques" is recommended for understanding market trends and buy/sell signals through candlestick patterns [16] - "Market Trend Analysis" is highlighted as a comprehensive guide to identifying market trends and managing risk through various technical indicators [17][18] Group 4 - The importance of a systematic trading approach is emphasized, with "The Turtle Trading Rules" providing a framework for disciplined trading based on clear entry and exit rules [20] - "The Simplest Thing in Investing" offers localized strategies for the A-share market, focusing on finding undervalued stocks and understanding pricing power [21] Group 5 - The article stresses the psychological aspects of investing, highlighting the need for a rational mindset to navigate market volatility [22][23] - "Poor Charlie's Almanack" is recommended for its insights into multi-disciplinary thinking and investment philosophy [24] - "The Most Important Thing" by Howard Marks emphasizes understanding market cycles and risk management as key components of successful investing [25] Group 6 - The article addresses the impact of human psychology on investment decisions, suggesting strategies to overcome emotional biases [26][27] - "Reminiscences of a Stock Operator" illustrates the influence of fear and greed on trading behavior through the life of Jesse Livermore [27] - "Fooled by Randomness" warns against cognitive biases and emphasizes the importance of risk management in unpredictable markets [28] Group 7 - The article provides a reading strategy for efficiently absorbing investment knowledge during holidays, suggesting a mix of short and long reading sessions [30][31] - It encourages practical application of learned concepts by identifying actionable insights from each book read [34][35] - The importance of verifying investment theories against current market conditions is highlighted to avoid blind adherence to strategies [36]

Group 1 - The article discusses the importance of financial literacy education for children, emphasizing that it differs significantly from adult financial education [2][5] - It categorizes children's financial education into four developmental stages: 0-2 years, 2-7 years, 7-11 years, and 11 years to adulthood [6][31] Group 2 - In the 0-2 years stage, the focus is on establishing object permanence, where children learn that things they cannot see still exist [7][8] - From ages 2-7, children are self-centered and tend to spend money quickly; the goal is to instill good spending habits rather than savings [12][18] - The 7-11 years stage sees children developing empathy and basic mathematical skills, allowing them to understand concepts like saving and investment [23][26] - From ages 11 to adulthood, children can grasp abstract concepts and develop systematic thinking, making it a suitable time to introduce value and index investing [31][33] Group 3 - The article suggests specific books for each age group: "小狗钱钱" for ages 2-7, "蓝筹孩子" for ages 7-11, and "富爸爸穷爸爸" for ages 11 to adulthood [43] - It emphasizes that financial education should not solely focus on immediate financial gains but rather on cultivating a good consumption and investment mindset [45][46] Group 4 - Additionally, parents should consider planning for education funds, retirement, and wealth transfer to reduce future burdens on children [47][48]