查理芒格：存下第一笔10万，会改变你的人生！

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有些事情人们永远不会在晚宴上告诉你

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他们不会在商学院的宽敞教室里告诉你

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也不会在那些充满滤镜的社交媒体上告诉你

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那就是摆脱贫穷

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在最初的阶段是一种纯粹的物理性的痛苦

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如果你正在听这段话

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你可能正处在这种痛苦之中

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你看着银行账户里微博的余额

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看着你的同龄人

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似乎毫不费力地拥有了一切

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你感到窒息

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就像被困在深井的底部

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这就是我要告诉你的第一个真相

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那不是错觉

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那就是物理学

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这种窒息感叫做贫穷的引力

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我想跟你谈谈

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第一个10万不是那个数字本身

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而是它代表的意义

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在我和沃伦漫长的一生中

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我们发现了一个被大多数人忽略的铁律

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第一个10万是最难的

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这是一个脏词

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我知道

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但在这个温文尔雅的世界里

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只有这个张弛能准确描述那个过程

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哪怕你必须走路去上班

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哪怕你必须吃过期的打折食品

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哪怕你必须没日没夜的工作到眼睛流血

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不管你用什么方法

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你必须尽快弄到这笔钱

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为什么要这么急

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为什么要这么痛苦

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想象一下火箭发射

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火箭为了摆脱地球强大的引力

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必须在起飞的最初几分钟里

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燃烧掉它绝大部分的燃料

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那是它最脆弱

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最危险

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消耗最大的时刻

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但它移动了多远

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仅仅几千米

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为什么是不是很绝望

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付出了80%的努力

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看起来却还在原地挣扎

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这就是你现在的位置

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你处于引力井的最深处

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房租账单意外支出

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通货膨胀

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社交压力

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这些力量像看不见的手

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死死的把你按在地面上

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在这个阶段你没有盟友福利

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那是给有钱人准备的

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当你只有几千块时

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富丽连买杯咖啡都不够运气

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那是给有准备的人准备的

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你现在连入场券都没有

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所以别指望这会很轻松

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如果你感觉不到痛苦

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说明你并没有在对抗引力

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你只是在随波逐流

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而随波逐流的终点永远是平庸的深渊

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你要做的是点燃你的引擎

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把油门踩到底

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哪怕周围的人都在嘲笑你

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哪怕你自己都怀疑自己

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你必须忍受这种高强度的燃烧

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只怕你突破大气层那一刻

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引力会突然消失

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星空会向你展开

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但在那之前

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你必须先穿过火焰

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阻碍你逃离引力井的最大敌人是谁

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不是你的老板

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不是你的薪水

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甚至不是这个不公的世界

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是你镜子里的那个人

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或者是说是你那该死的虚荣心

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现代资本主义是一个巨大的精密的诱捕系统

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成千上万最聪明的心理学家

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数据科学家

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广告狂人

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他们每天24小时不睡觉

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只研究一件事

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如何让你感受自卑

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还让你通过买东西来消除这种自卑

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他们告诉你

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你值得拥有最好的

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于是你把你辛苦赚来的本该成为你燃料的钱

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换成了一辆只会贬值的包

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换成了一个印着logo的包

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换成了一顿用来发朋友圈的晚餐

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你觉得你在享受生活不

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你是在吃掉你的种子

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你是在献祭你的未来

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如果你想跨越阶层

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你必须学会反人性

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甚至你必须学会做一个旁人眼里的怪人

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在我积累财富的初期

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我是个极其无趣的人

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我开旧车

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住旧房子

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穿旧西装

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我的朋友们在谈论滑雪

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谈论游艇

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谈论最新的时尚

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而我在谈论什么

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我在谈论这种该死的结见

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因为我看见了他们看不见的东西

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财富不是你买的那辆跑车

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财富是你没买的那辆跑车

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财富是看不见的

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它是你放弃了眼前的享乐

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换取的一张通往自由的门票

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如果你在积累第一笔本金的阶段

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还在这个暂时性的社会里扮演富人

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那你就是在自杀

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你需要学会潜伏

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哪怕别人觉得你过得很抠门

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很寒酸

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没关系

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让他们笑

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你的目标不是赢得他们的点赞

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你的目标是赢得你的人生

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把你的每一分钱都看成是一个为你工作的士兵

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如果你把这个士兵拿去换了一时的虚荣

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你就是个暴君

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你屠杀了你的军队

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你要做的是把他们集结起来

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关进营房

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严加训练

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直到有一天这支军队足够强大

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能为你攻城略地

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在此之前收起你的虚荣

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低头干活

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在你有钱之前

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你有什么

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你一无所有

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除了一样东西

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时间

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这就是你唯一的原始资本

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很多年轻人抱怨我工资太低了

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存不下钱

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那就去净化

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这听起来很冷酷

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但市场不相信眼泪

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只相信价值

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不要去出卖廉价的时间

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不要去送外卖

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不要去发传单

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除非你明天就要饿死

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因为那些工作没有记忆

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你今天做了一天

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明天如果不做

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你依然一无所有

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不是线性增长

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那些死胡同

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你要把你的时间投入到能产生复利的事情上

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也就是把自己变成一台学习机器

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我这辈子无论走到哪里

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手里都拿着一本书

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不是为了装样子

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是因为我恐惧

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我恐惧

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我的认知跟不上这个世界的变化

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在这个知识经济时代

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无知就是最大的税收

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如果你每天下班后

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只是躺在沙发上刷那些短视频

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看那些跳舞的猫

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看那些无聊的段子

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那你就是在慢性自杀

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因为你的竞争对手

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那些像当年的我一样渴望财富的人

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因为正在读书

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正在考证

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正在研究商业模式

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正在打磨一项稀缺的技能

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每天睡觉前确保自己比早上醒来时聪明一点点

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哪怕只是一点点

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这种智慧的复利比金钱的复利更可怕

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5年后

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那个每天学习的人和那个每天娱乐的人

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将生活在两个完全不同的物种成绩里

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你需要把你自己当成一家公司来经营

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你的技能是产品

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你的时间是库存

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如果你的产品滞销

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不要怪市场

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怪你的产品不够好

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去打磨它

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去升级它

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假设它在这个市场上变得不可替代

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当你拥有了稀缺的技能

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你就不再是出卖时间

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你是在贩卖价值

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那是两种完全不同的定价逻辑

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为什么要这么急着存到10万

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为什么不能慢慢来

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因为数学是无情的

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这里有一个关于时间的秘密

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大多数人一辈子都没算明白

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早期的每一块钱都比后期的钱贵重十倍

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假设你在25岁存下了一块钱

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把它放在一个年化10%的投资里

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当你60岁退休时

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这一块钱会变成28块钱

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但如果你在45岁才存下这一块钱

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等你60岁时

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他只会变成四块钱

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看到了吗

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同样的一块钱

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因为时间的差别

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价值相差了七倍

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而当你在年轻时喝掉那杯30块钱的奶茶时

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你不是在花30块

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你是在花掉你退休时的840块

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如果你能用这种复力望远镜看世界

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你会发现你身边的每一件商品标价都变了

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那个最新款的手机标价不是8000

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而是22万

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你还舍得买吗

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这就是为什么你必须在年轻的时候

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像个疯子一样去积累

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你是在抢时间

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你是在和死神赛跑

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你哪怕早一年存到第一桶金

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你的人生终点线就会向前推进一大截

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我知道这很枯燥

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看着数字缓慢增长

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就像看着油漆变干

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看着小草生长

234
00:06:01,000 --> 00:06:02,300
你需要极度的耐心

235
00:06:02,300 --> 00:06:03,759
你需要学会享受无聊

236
00:06:03,759 --> 00:06:04,980
那些伟大的财富

237
00:06:04,980 --> 00:06:07,019
从来不是在热闹的赌场里迎来的

238
00:06:07,019 --> 00:06:09,079
而是在寂静的等待中生长出来的

239
00:06:09,079 --> 00:06:10,360
如果你耐不住寂寞

240
00:06:10,360 --> 00:06:11,000
去赌博

241
00:06:11,000 --> 00:06:11,699
去投机

242
00:06:11,699 --> 00:06:12,699
去寻找捷径

243
00:06:12,699 --> 00:06:15,120
那你就是在亲手烧毁你的时间机器

244
00:06:15,120 --> 00:06:16,620
亚科比说反过来想

245
00:06:16,620 --> 00:06:17,680
总是反过来想

246
00:06:17,680 --> 00:06:19,060
如果我们要存到10万

247
00:06:19,060 --> 00:06:21,819
我们先要问做什么事能保证让我彻底失败

248
00:06:21,819 --> 00:06:23,519
我给你们列了一张必死清单

249
00:06:23,519 --> 00:06:24,819
只要你避开这几个坑

250
00:06:24,819 --> 00:06:25,899
你就能活下来

251
00:06:25,899 --> 00:06:27,269
第一借贷消费

252
00:06:27,269 --> 00:06:28,310
这是反向复利

253
00:06:28,310 --> 00:06:29,790
这是通往地狱的电梯

254
00:06:29,790 --> 00:06:31,769
如果你背着信用卡的高额利息

255
00:06:31,769 --> 00:06:33,209
哪怕你是巴菲特转世

256
00:06:33,209 --> 00:06:34,230
你也翻不了身

257
00:06:34,230 --> 00:06:35,740
如果你现在有这种债务

258
00:06:35,740 --> 00:06:36,579
停下一切

259
00:06:36,579 --> 00:06:37,579
先把他还清

260
00:06:37,579 --> 00:06:39,259
哪怕去卖血也要还清

261
00:06:39,259 --> 00:06:40,920
第二不懂装懂的投机

262
00:06:40,920 --> 00:06:41,879
因为本金少

263
00:06:41,879 --> 00:06:43,100
所以想搏一把大的

264
00:06:43,100 --> 00:06:45,100
去炒那些你也看不懂的虚拟货币

265
00:06:45,100 --> 00:06:46,439
去玩高杠杆的期货

266
00:06:46,439 --> 00:06:47,259
这叫找死

267
00:06:47,259 --> 00:06:48,100
越是没钱

268
00:06:48,100 --> 00:06:49,240
你越要厌恶风险

269
00:06:49,240 --> 00:06:50,319
富人亏了10万

270
00:06:50,319 --> 00:06:51,699
只是少去一次夏威夷

271
00:06:51,699 --> 00:06:52,620
你亏了10万

272
00:06:52,620 --> 00:06:53,879
你的脊梁骨就断了

273
00:06:53,879 --> 00:06:55,339
在积累第一桶金的阶段

274
00:06:55,339 --> 00:06:57,420
你的钱必须放在绝对安全的地方

275
00:06:57,420 --> 00:06:58,779
第三糟糕的伴侣

276
00:06:58,779 --> 00:06:59,879
这听起来不浪漫

277
00:06:59,879 --> 00:07:00,860
但这很现实

278
00:07:00,860 --> 00:07:02,220
如果你在拼命划船

279
00:07:02,220 --> 00:07:03,779
而你的伴侣在船底凿动

280
00:07:03,779 --> 00:07:04,379
你们的船

281
00:07:04,379 --> 00:07:05,439
永远到不了彼岸

282
00:07:05,439 --> 00:07:06,720
找一个价值观相同

283
00:07:06,720 --> 00:07:08,420
愿意和你一起延迟满足

284
00:07:08,420 --> 00:07:09,560
一起奋斗的伴侣

285
00:07:09,560 --> 00:07:10,360
如果找不到

286
00:07:10,360 --> 00:07:11,459
那就保持单身

287
00:07:11,459 --> 00:07:12,800
孤独总比破产好

288
00:07:12,800 --> 00:07:14,139
第四自我怜悯

289
00:07:14,139 --> 00:07:15,160
觉得自己命苦

290
00:07:15,160 --> 00:07:16,180
觉得社会不公

291
00:07:16,180 --> 00:07:18,100
一旦你开始把自己当成受害者

292
00:07:18,100 --> 00:07:18,879
你就完了

293
00:07:18,879 --> 00:07:21,180
你把改变命运的权利交给了别人

294
00:07:21,180 --> 00:07:21,740
站起来

295
00:07:21,740 --> 00:07:24,100
别抱怨富丽对每个人都是公平的

296
00:07:24,100 --> 00:07:25,839
为什么要设定10万这个目标

297
00:07:25,839 --> 00:07:27,199
因为他是一个临界点

298
00:07:27,199 --> 00:07:28,620
让你拥有这笔钱之前

299
00:07:28,620 --> 00:07:29,480
你是脆弱的

300
00:07:29,480 --> 00:07:31,139
你的生活像一座纸牌屋

301
00:07:31,139 --> 00:07:32,300
老板的一个眼神

302
00:07:32,300 --> 00:07:33,519
房东的一条短信

303
00:07:33,519 --> 00:07:35,639
医院的一张账单都能让你崩塌

304
00:07:35,639 --> 00:07:38,300
你生活在一种低水平的持续的恐惧中

305
00:07:38,300 --> 00:07:40,060
这种恐惧会吞噬你的智慧

306
00:07:40,060 --> 00:07:40,839
让你变蠢

307
00:07:40,839 --> 00:07:41,660
让你短视

308
00:07:41,660 --> 00:07:43,959
让你为了明天的面包而出卖尊严

309
00:07:43,959 --> 00:07:45,779
但当你看着账户里有了10万

310
00:07:45,779 --> 00:07:47,220
那是你两年的生活费

311
00:07:47,220 --> 00:07:47,899
那一刻

312
00:07:47,899 --> 00:07:48,860
奇迹发生了

313
00:07:48,860 --> 00:07:49,920
恐惧消失了

314
00:07:49,920 --> 00:07:51,180
你走路的姿势会变

315
00:07:51,180 --> 00:07:52,459
你说话的语气会变

316
00:07:52,459 --> 00:07:54,600
你不再是一个随时可能倒下的奴隶

317
00:07:54,600 --> 00:07:56,519
你是一个拥有了盾牌的自由人

318
00:07:56,519 --> 00:07:58,279
你可以对不合理的要求说不

319
00:07:58,279 --> 00:08:00,639
你可以开始思考5年十年后的计划

320
00:08:00,639 --> 00:08:02,759
而不是紧紧盯着下个月的房租

321
00:08:02,759 --> 00:08:03,519
更重要的是

322
00:08:03,519 --> 00:08:04,879
资本的力量开始苏醒

323
00:08:04,879 --> 00:08:06,620
10万的5%是5000块

324
00:08:06,620 --> 00:08:09,480
这可能意味着你可以给自己买一台更好的电脑

325
00:08:09,480 --> 00:08:10,620
提升你的生产力

326
00:08:10,620 --> 00:08:13,019
它意味着你每年多了一个月的带薪假期

327
00:08:13,019 --> 00:08:14,480
你的钱开始生儿子了

328
00:08:14,480 --> 00:08:15,480
虽然儿子还小

329
00:08:15,480 --> 00:08:17,420
但他已经开始日夜不休的为你干活

330
00:08:17,420 --> 00:08:18,420
你会上瘾的

331
00:08:18,420 --> 00:08:20,300
这种看着资产自我增值的快乐

332
00:08:20,300 --> 00:08:22,540
比任何消费的快乐都要高级1万倍

333
00:08:22,540 --> 00:08:24,019
一旦你体验过这种感觉

334
00:08:24,019 --> 00:08:26,160
你就再也回不去那个乱花钱的你了

335
00:08:26,160 --> 00:08:27,300
你跨过了那道门

336
00:08:27,300 --> 00:08:28,439
最后我想告诉你

337
00:08:28,439 --> 00:08:30,759
当你终于有一天爬出了那个引力井

338
00:08:30,759 --> 00:08:32,159
站在了10万的高地上

339
00:08:32,159 --> 00:08:32,940
请你停下来

340
00:08:32,940 --> 00:08:33,600
回头看看

341
00:08:33,600 --> 00:08:35,600
你会看到下面还有无数人在挣扎

342
00:08:35,600 --> 00:08:36,259
在抱怨

343
00:08:36,259 --> 00:08:37,240
在随波逐流

344
00:08:37,240 --> 00:08:39,460
你会感谢当初那个对自己狠心的你

345
00:08:39,460 --> 00:08:41,100
你会感谢那些没喝的奶茶

346
00:08:41,100 --> 00:08:42,120
没买的新衣服

347
00:08:42,120 --> 00:08:42,980
没去的聚会

348
00:08:42,980 --> 00:08:45,340
你会发现所有的牺牲都是值得的

349
00:08:45,340 --> 00:08:46,360
但这只是开始

350
00:08:46,360 --> 00:08:47,700
第一个10万是最难的

351
00:08:47,700 --> 00:08:49,139
第二个10万会容易得多

352
00:08:49,139 --> 00:08:50,940
第三个第四个同样如此

353
00:08:50,940 --> 00:08:51,980
正如那句老话

354
00:08:51,980 --> 00:08:53,659
钱会流向那些不缺钱的人

355
00:08:53,659 --> 00:08:55,659
当你不再迫切需要钱来救命时

356
00:08:55,659 --> 00:08:57,519
钱反而会像潮水一样涌向你

357
00:08:57,519 --> 00:08:59,759
这就是我今天要留给你们的全部真相

358
00:08:59,759 --> 00:09:00,460
没有魔法

359
00:09:00,460 --> 00:09:01,220
没有捷径

360
00:09:01,220 --> 00:09:02,360
只有极度的渴望

361
00:09:02,360 --> 00:09:03,220
极度的自律

362
00:09:03,220 --> 00:09:04,120
极度的耐心

363
00:09:04,120 --> 00:09:04,940
这很难吗

364
00:09:04,940 --> 00:09:05,379
是的

365
00:09:05,379 --> 00:09:06,299
这难如登天

366
00:09:06,299 --> 00:09:07,679
但这正是机会所在

367
00:09:07,679 --> 00:09:08,799
因为这道门太窄

368
00:09:08,799 --> 00:09:09,480
路太陡

369
00:09:09,480 --> 00:09:11,200
大多数人都在半路放弃了

370
00:09:11,200 --> 00:09:12,759
所以山顶上并不拥挤

371
00:09:12,759 --> 00:09:14,820
年轻的朋友去检查你的账单

372
00:09:14,820 --> 00:09:15,720
去读你的书

373
00:09:15,720 --> 00:09:17,039
去开始你的战争吧

374
00:09:17,039 --> 00:09:18,460
我在山顶上等你

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