年轻人的5大财富(大师轻松读)
Wealth for Grads and Anyone Else Just Starting Out

  • 作   者:

    迈克·麦斯特森
    Michael Masterson

  • 出版社:

    蓝狮子文化创意有限公司

  • 版   本:

    中 / 英 / 双语

  • 支   持:

  • 电子书:¥1.99
  • 8.7(3人评过)
  •   评论(47)
  •   读后感(11)

头一份工作赚的钱大概不多,没有关系,最重要的是要开始培养良好的工作习惯。愈早开始储蓄,就有愈多时间让复利施展魔法。即使你每周只投入一、两个小时,投资房地产还是能够缔造极高的报酬。股市价值会以每年10%到13%的复利成长,这是另一个一定要投资的领域。做个业余老板,换句话说,就算你还有全职的工作,也要创业并且学着经营企业。只要能够同时从这5大领域稳步出发,要用10年以内的打拚换得财务独立,绝对不是痴人说梦。

如果你即将步出校园或是才刚开始自立,应该把及早达成财务独立,当作最优先的事业目标。实务上来说,你个人的资产净值应该达到一年生活预算的10倍,才能完全靠投资所得过活。要能尽早达成上述目标,必须让致富活动进入自动导航模式。具体来说,应该强迫自己存下所得总额的15%,把这笔钱运用在5大致富领域上:提升职涯发展,储蓄赚取复利,购置房地产,投资股市,创业。

迈克·麦斯特森是经验丰富的创业家,创业资历逾40年,并且成功创立了许多事业,其中有两项事业市值超过1亿美元。麦斯特森目前担任《早起》(Early to Rise)电子日报编辑,着有《自动财富》(Automatic Wealth:The Six Steps to Financial Independence)、《权力与说服》(Power and Persuasion:How to Command Success in Business and Your Personal Life)以及《白手富翁的告白》(Confessions of a Self-Made Millionaire)等3本著作。

15%的所得在这5大领域的配置比例,随年龄有所不同。只要能够同时从这5大领域稳步出发,要用10年以内的打拚换得财务独立,绝对不是痴人说梦。除了认真工作,还必须安排时间,找出空档投入自动致富计划的5项活动。要做到这一点,其实只有一个可行的方法:比别人更早起、更早上工。每天早上,都要利用多出来的时间从事上述活动,这些活动对你长期成功大有帮助,而这些额外的晨间时分,能够成就你热切期盼的生活。

How you spread that 15 percent of your income between these five areas will vary over time, but if you make a simultaneous strong start in all five areas, it's not unreasonable for you to expect to become financially independent after 10 years or less of solid, focused work. You'll also need to organize yourself to find the time to work all five parts of the automatic wealth program. There's really only one realistic way to do that:Wake up and get to work earlier than everyone else. Each morning, use that extra time to work on doing the things that will matter most in terms of your long-term success. Those optional early hours can make your life into exactly what it should be as determined by your own passions and desires.

  • 5分钟摘要
  • 财富1 提升职涯发展
  • 财富2 储蓄赚取复利
  • 财富3 购置房地产
  • 财富4 投资股市
  • 财富5 创业
  • MAIN IDEA
  • Automatic Wealth 1 Enhance Your Career
  • Automatic Wealth 2 Save Money and Let it Compound
  • Automatic Wealth 3 Buy Some Real Estate
  • Automatic Wealth 4 Invest in the Stock Market
  • Automatic Wealth 5 Start Your Own Business
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  • There's really only one realistic way to do that:Wake up... 全部评论(1) 去书内

    fffdasfda

    2016-12-25 喜欢(0) 回复(0)

  • Humility—you need to be willing to admit that you don't... 全部评论(1) 去书内

    Apart from being modest in the stcok market, as a polite human being, we should always be modest because there are a  lot of things that we do not know.

    2016-06-06 喜欢(0) 回复(0)

  • Modesty—you need to be content with generating ongoing steady... 全部评论(3) 去书内

    Those people who are greedy will not win in the stock market for the reason that they always think that the index will get higher and higher, which leads to when therr is a decline, they still hold the dream that the index will climb up again. In this case, they may lose the chance to escape from this unpotential stock.

    2016-06-06 喜欢(0) 回复(0)

  • The old adage of buying the least expensive property in the... 全部评论(2) 去书内

    Such kind of good locations includes metro stations, bus stops, supermarkets and large shopping malls.And we should not ignore those undeveloped areas, like suburbs near cities. Sometimes,when the cities can not afford to provide with urban citizens with enough housing infrastructure, some people may turn to suburbs near the cities.There are several reasons that I can think of.First of all, the housing expenditure may not be so high but after a lot of people rushing in to the suburb areas, the houses in this area will become higher. But in common occasions, it will not higher than the prices in cities. Secondly, a lot of people have a car. So it will be quite convinent for people to get to work.Usuually, half an hour's drive will be the best.

    2016-06-06 喜欢(0) 回复(0)

  • Investing in real estate is very easy. You don't need any... 全部评论(1) 去书内

    But there are risks behind real estate market.Some people in order to raise the price of the real estate, they purchase plenty of apartments at the same time then push the average price up till a certain level.Finally they sell them out and earn a lot.In addition to this, it causes bubble in the market. Whatsmore, it has become a trend that more and more people are not able to afford the high price of the housing.

    2016-06-06 喜欢(0) 回复(0)

  • This is another investment where youth works in your favor... 全部评论(1) 去书内

    That is why I mentioned before about young people have capital to try new things.As a matter of fact, I join in a entrepreneurial team with other seniors in Guangzhou University.There we set up a so called incubator to run our projects.We have an office with 24-hour non-stop electricity ,which gives us a lot of convience.Thanks to the teachers in Guangzhou University, their supports will greatly encourage us and motivate us. I hope in the near future, we, as a team, will be able to set up a film. I wish that one day I may set up a company that specially provide fitness plan for those people who are suffering from obesity.The reasons are as follows.First of all, I used to be a fat girl and was laughed at by a lot off naughty boys in the class, which made me really upset and uncomfident.Secondly,I am keen on going to the gym to shape my body.I consider everyone in the world deserve a fit and health body.So I hope that, under our guidance, those people who are suffering from cardiovascular, high-blood pressure and diabetes can also benefit from our program.

    2016-06-06 喜欢(0) 回复(0)

  • "High-income earners make most of their money by... 全部评论(2) 去书内

    Insisting on one way to earn money may make you concentrate on it, but as for university students, my suggestion is that we can try various kinds of means to make money.We should try because we are not afraid of failure. And trying is also the characteristic which reflects on college students.

    2016-06-06 喜欢(0) 回复(0)

  • Few put away a consistent amount of income. 全部评论(1) 去书内

    My mother sets up a good example for me because she uses the money in a correct way and always teaches me not to spend money on those things that we do not need.So I foster the habit of saving money.When I get into the university, my parents offer me two thousand RMB each month and I can save for about seven hundred RMB every month.With this money, I am able to buy beautiful clothes and travel with my friends during summer holiday.In Chinese saying,"If you ignore the money,then the money will ignore you in return."So knowing how to use money in the right way and foster the habit of saving money is really essential along our life.

    2016-06-06 喜欢(0) 回复(0)

  • Again, the key to harnessing compound interest to maximum... 全部评论(1) 去书内

    Success can be repeated and copied only if we master the code of it and remember the following key elements.

    2016-06-06 喜欢(0) 回复(0)

  • If you're willing to work hard, you will eventually do... 全部评论(1) 去书内

    Do not worry about whether you are not smart enough or talented enough, because hard-working can make up your disadvantages.

    2016-06-06 喜欢(0) 回复(0)

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