反常道而行之 富人的5个理财好习惯
<p><span word="Personal">Personal</span> <span word="finance">finance</span> <span word="advice">advice</span> <span word="too">too</span> <span word="often">often</span> <span word="consists">consists</span> <span word="of">of</span> <span word="prescriptions">prescriptions</span>. <span word="Do">Do</span> <span word="this">this</span>, <span word="not">not</span> <span word="that">that</span> <span word="and">and</span> <span word="save">save</span> <span word="the">the</span> <span word="difference">difference</span> <span word="for">for</span> <span word="a">a</span> <span word="better">better</span> <span word="financial">financial</span> <span word="future">future</span>. <span word="That">That</span>’<span word="s">s</span> <span word="a">a</span> <span word="diet">diet</span>, <span word="not">not</span> <span word="a">a</span> <span word="plan">plan</span>. <span word="And">And</span> <span word="like">like</span> <span word="diets">diets</span>, <span word="this">this</span> <span word="kind">kind</span> <span word="of">of</span> <span word="financial">financial</span> <span word="advice">advice</span> <span word="works">works</span> <span word="great">great</span> <span word="in">in</span> <span word="the">the</span> <span word="beginning">beginning</span> <span word="but">but</span> <span word="fails">fails</span> <span word="when">when</span> <span word="reality">reality</span> <span word="sets">sets</span> <span word="in">in</span>. <span word="Simply">Simply</span> <span word="put">put</span>, <span word="it">it</span>’<span word="s">s</span> <span word="no">no</span> <span word="fun">fun</span>.</p><p>个人理财类文章通常会开出一些“处方”式建议：做这个，不要做那个，把省下的钱存起来将来会有更好的经济保障。它给你的好比“减肥菜单”，而不是真正的计划。就像节食减肥一样，这类理财建议往往开头效果喜人，但最终很难坚持下去。换言之，这么做很无趣。</p><p><span word="I">I</span> <span word="propose">propose</span> <span word="a">a</span> <span word="better">better</span> <span word="way">way</span> <span word="to">to</span> <span word="think">think</span> <span word="about">about</span> <span word="financial">financial</span> <span word="decisions">decisions</span>, <span word="using">using</span> <span word="a">a</span> <span word="bright">bright</span> <span word="line">line</span> <span word="test">test</span> – <span word="in">in</span> <span word="this">this</span> <span word="case">case</span>, <span word="a">a</span> <span word="thin">thin</span> <span word="green">green</span> <span word="line">line</span>. <span word="That">That</span> <span word="line">line</span>, <span word="which">which</span> <span word="looks">looks</span> <span word="like">like</span> <span word="stock">stock</span> <span word="index">index</span> <span word="returns">returns</span> <span word="over">over</span> <span word="the">the</span> <span word="past">past</span> 50 <span word="years">years</span>, <span word="divides">divides</span> <span word="the">the</span> <span word="wealthy">wealthy</span>, <span word="who">who</span> <span word="are">are</span> <span word="financially">financially</span> <span word="secure">secure</span>, <span word="from">from</span> <span word="the">the</span> <span word="rich">rich</span>, <span word="poor">poor</span> <span word="and">and</span> <span word="everyone">everyone</span> <span word="else">else</span>. <span word="It">It</span> <span word="has">has</span> <span word="less">less</span> <span word="to">to</span> <span word="do">do</span> <span word="with">with</span> <span word="people">people</span>’<span word="s">s</span> <span word="income">income</span> <span word="and">and</span> <span word="a">a</span> <span word="far">far</span> <span word="more">more</span> <span word="to">to</span> <span word="do">do</span> <span word="with">with</span> <span word="the">the</span> <span word="decisions">decisions</span> <span word="they">they</span> <span word="make">make</span> <span word="and">and</span> <span word="the">the</span> <span word="behaviors">behaviors</span> <span word="they">they</span> <span word="exhibit">exhibit</span> <span word="when">when</span> <span word="it">it</span> <span word="comes">comes</span> <span word="to">to</span> <span word="money">money</span>.</p><p>我建议用一种更好的方式来考虑各种财务决策，比如划条分界线，即本文所称的“浅绿线”，看看你在线的哪一头。它看起来就像是过去50年的股指收益，可以把人们分成四类：处于财务安全状态的富人、普通有钱人、穷人、其他人。区分标准跟一个人的收入关系不大，更主要的是人们在涉及金钱时所做的决定和行为。</p>
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