《小狗钱钱》豆瓣9.2分！如何正确看待钱，实现财务自由？

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你敢信吗

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一个12岁小女孩没靠父母

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没碰头机

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3年就帮家里还清债务

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买下学区房

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还带着全家实现不用上班也有钱花的状态

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更关键的是她用的方法

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我身边一个月薪3000的宝妈照着做

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一年存下5万

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一个刚毕业的大学生用它搞副业

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半年覆盖房租

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今天这本小狗钱钱

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我不是简单给你念知识点

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而是把这本书里最核心

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最能直接落地的三个财富秘诀拆给你们

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不管你月薪3000还是3万

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听完照做

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明年的你肯定会感谢现在认真听的自己

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先跟没读过的家人说下

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小狗钱钱不是一本给小孩看的童话书

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他是德国理财大师博多舍费尔写的

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财富启蒙经典

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全球卖了3000多万本

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书里用小女孩基亚和一只会说话的小狗

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钱钱的故事

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把复杂的理财道理讲得像聊天一样简单

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我当时读的时候一边拍大腿

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一边想

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要是10年前有人跟我讲这些

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我现在也不至于为了斩首复仇的掉头发

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好我们正式开始第一个秘诀

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也是最关键的一步

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先搞懂财富潜意识别

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让你的穷人思维拖垮你

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很多人穷不是因为赚的少

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而是从根子里就对钱有偏见

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比如我妈总说钱是省出来的

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结果就是我从小就不敢花钱

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工作后反而报复性消费

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还有人觉得谈钱太俗

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一提赚钱就觉得是投机取巧

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更有人认定我没那个命发财

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连尝试的勇气都没有

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这些想法就是博多舍费尔说的

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财富潜意识里的毒药

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书里的鸡牙一开始也这样

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爸妈天天为钱吵架

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他觉得我们家就是穷

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没办法

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直到钱钱问他

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你是想继续抱怨没钱还是想真的拥有钱

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这句话一下子点醒了季亚

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也点醒了我钱

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钱教吉亚做的第一件事就是改变对钱的看法

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钱不是洪水猛兽

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不是俗气的东西

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它是帮我们实现愿望

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过上更好生活的工具

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我给你们举个我自己的例子

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以前我总说我赚的太少

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存不下钱

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所以每次发工资想买的东西都毫不犹豫下手

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美其名曰犒劳自己

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读了这本书后

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我开始换个思路

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不是等赚多了再存钱

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而是先存钱再花钱

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我把工资分成三部分

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10%存起来

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20%用来投资自己

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剩下的70%当生活费

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你猜怎么着

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第一个月我以为会过得紧巴巴

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结果反而因为规划的好

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没乱买没用的东西

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月底还剩了点零花钱

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这里跟大家分享一个书中的小技巧

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写财富日记不是让你记流水账

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而是每天写三件跟钱有关的好事

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比如今天我拒绝了一杯20块的奶茶

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省了20块

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今天我用优惠券买了洗衣液

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省了五块

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今天我帮同事带饭

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他给了我跑腿费十块

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别小看这小事儿

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坚持一个月

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你会发现自己对钱的敏感度变高了

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也慢慢摆脱了我没钱的负面暗示

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我现在已经写了三个多月

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现在看到没必要的开销

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脑子会自动蹦出

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这钱能存下来

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当我的启动金

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这种思维转变真的太重要了

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可能有人会说

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光改变想法有啥用

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没本金还是白搭

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别急

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这就到第二个秘诀

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养一只属于自己的金额

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让钱为你工作

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这是小狗钱钱里最经典的理论

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没有之一

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书里说金额就是你的本金

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金蛋就是本金产生的利息

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如果你把金额杀了

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也就是花掉本金

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就再也没有金蛋了

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但如果你好好养着金额

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他就会一直给你下金蛋

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哪怕你不工作也有被动收入

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吉亚刚开始只有一点点零花钱

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钱钱让他先存下一部分当金额

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哪怕每个月只存50块

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后来吉亚通过帮邻居照顾狗

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给别人遛狗赚钱

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慢慢把金额养大

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最后金额下的金蛋

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居然够他支付自己的学费和旅行费

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这个故事看着简单

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却藏着理财的核心逻辑

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复利效应给大家算笔账

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可能更直观

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假设你每个月存500块

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年化收益率按4%算

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这是很保守的理财收益

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比如稳健型基金就能达到10年后你能有多少钱

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不是6万

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而是7.4万

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多出来的1.4万就是金额下的金蛋

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如果坚持20年

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就是18.4万

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本金12万

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利息6.4万

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如果从20岁开始存

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存到60岁

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就是54.3万

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你看不是要存很多钱才能开始

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而是要开始存才能有很多钱

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说到这儿

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肯定有人问我

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每个月连500块都存不下来

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咋养金额

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这里教大家梳理的53式二式法则

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特别适合月光族

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把每个月的收入分成三部分

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50%用来满足基本生活需求

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比如房租

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水电吃饭

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30%用来满足欲望

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比如买衣服

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看电影

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跟朋友聚餐

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20%用来养金额和偿还负债

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这个比例可以根据自己的情况调整

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比如房租高的朋友

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基本需求可以调到60%

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但一定要保证有至少10%的钱用来养金额

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我身边有个朋友

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以前是典型的月光族

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每个月工资花光还得刷信用卡

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去年我跟他讲了养金额的理论

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他一开始说我存100块都难

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我就让他从存50块开始

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他每天记账

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把买零食喝奶茶的钱省下来

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第一个月真的存下了50块

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现在他已经坚持了一年

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不仅存下了6000块本金

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还买了一只稳健的基金

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上个月收到了第一次分红

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虽然只有几十块

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但他兴奋地跟我说

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原来钱真的能自己生钱

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养金额的过程中

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还有个特别重要的点

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就是别轻易动你的金额

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很多人存了点钱

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看到喜欢的包

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最新款的手机就忍不住把金额杀了

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书里钱钱说

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如果你总是杀金额

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就永远变不成有钱人

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我之前也差点犯这个错

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存了三个月的钱

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想换个新手机

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后来想起这句话

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就问自己

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新手机能帮我赚钱吗

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还是会让我重新变成月光族

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最后我忍住了

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现在那笔钱已经开始给我下金蛋了

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所以家人们养金额最考验的就是耐心

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千万不要半途而废

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有了正确的思维

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也开始养金额了

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接下来第三个秘诀

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用成功日记建立自信

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解决赚钱路上的最大障碍

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很多人不是不想赚钱

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而是不敢赚钱

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觉得自己没本事

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没人脉

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没资源

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就算有赚钱的机会也不敢抓

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书里的季雅一开始也这样

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钱钱让他去帮邻居照顾狗赚钱

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他怕自己做不好

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说我从来没照顾过狗

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肯定不行

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钱钱就让他写成功日记

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每天写下五件自己做成功的事

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不管多小都可以

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季雅一开始写不出来

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只能写

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我今天按时起床了

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我帮妈妈扫了地

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但慢慢写着写着

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他发现自己能做的事越来越多

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比如我今天成功安抚了一只怕生的狗

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我跟邻居谈成了照顾狗的价格

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这些小事积累起来

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让他越来越自信

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后来不仅照顾狗

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还开始帮别人训练狗

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赚的钱也越来越多

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这个方法我亲测有效

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我以前是个特别自卑的人

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开会的时候都不敢发言

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更别说主动跟别人谈合作赚钱了

232
00:05:59,560 --> 00:06:01,100
我开始写成功日记后

233
00:06:01,100 --> 00:06:02,579
每天找自己的闪光点

234
00:06:02,579 --> 00:06:04,800
比如我今天写的文案被领导表扬了

235
00:06:04,800 --> 00:06:06,600
我今天跟客户沟通很顺利

236
00:06:06,600 --> 00:06:08,560
我今天学会了一个理财小知识

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00:06:08,560 --> 00:06:09,699
写了一个多月后

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00:06:09,699 --> 00:06:12,019
有个朋友找我帮忙写一篇推广文案

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00:06:12,019 --> 00:06:13,600
以前我肯定会说我不行

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00:06:13,600 --> 00:06:15,680
但那次我想起成功日记里的内容

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00:06:15,680 --> 00:06:16,500
就答应了

242
00:06:16,500 --> 00:06:17,699
结果对方很满意

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00:06:17,699 --> 00:06:19,100
还给了我额外的奖金

244
00:06:19,100 --> 00:06:19,800
从那以后

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00:06:19,800 --> 00:06:21,639
我开始接一些兼职文案的活

246
00:06:21,639 --> 00:06:23,220
每个月多赚了2000多块

247
00:06:23,220 --> 00:06:25,019
这里跟大家分享一个小技巧

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00:06:25,019 --> 00:06:27,160
写成功日记的时候一定要具体

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00:06:27,160 --> 00:06:27,620
不要写

250
00:06:27,620 --> 00:06:28,459
我今天很棒

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00:06:28,459 --> 00:06:30,639
而是写我今天花了一小时研究基金

252
00:06:30,639 --> 00:06:31,899
搞懂了定投是什么

253
00:06:31,899 --> 00:06:34,339
我今天跟三个朋友分享了养金额的方法

254
00:06:34,339 --> 00:06:35,519
他们都很感兴趣

255
00:06:35,519 --> 00:06:37,980
越具体越能让你感受到自己的进步

256
00:06:37,980 --> 00:06:40,019
而且每天晚上写成功日记的时候

257
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也是一个复盘的过程

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00:06:41,399 --> 00:06:43,519
你会发现自己的优点和擅长的事

259
00:06:43,519 --> 00:06:45,300
慢慢就能找到赚钱的方向

260
00:06:45,300 --> 00:06:47,800
可能有人会说我每天都平平无奇

261
00:06:47,800 --> 00:06:48,980
哪有什么成功的事

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那我问你

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00:06:49,720 --> 00:06:51,480
你今天有没有按时完成工作

264
00:06:51,480 --> 00:06:52,939
有没有帮别人一个小忙

265
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有没有学会一个新知识点

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00:06:54,579 --> 00:06:56,540
有没有忍住没买不该买的东西

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这些都是成功的事啊

268
00:06:57,879 --> 00:06:58,939
就像书里说的

269
00:06:58,939 --> 00:07:00,339
不是因为你厉害才去做

270
00:07:00,339 --> 00:07:02,240
而是因为你做了才变得厉害

271
00:07:02,240 --> 00:07:05,040
赚钱这件事从来不是等你准备好了才开始

272
00:07:05,040 --> 00:07:07,360
而是开始了之后慢慢变得准备好

273
00:07:07,360 --> 00:07:08,800
除了这三个核心秘诀

274
00:07:08,800 --> 00:07:11,959
书里还有两个特别实用的点跟大家快速说一下

275
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一个是关于负债

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00:07:13,060 --> 00:07:14,240
一个是关于目标

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00:07:14,240 --> 00:07:15,480
如果你现在有负债

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比如信用卡债

279
00:07:16,560 --> 00:07:18,879
网贷书里教了一个雪球还债法

280
00:07:18,879 --> 00:07:20,100
先列出所有负债

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00:07:20,100 --> 00:07:21,660
从金额最小的开始还

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每个月除了必要的生活费

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剩下的钱都用来还最小的那个债

284
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还玩一个后

285
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再把还这个债的钱加上去

286
00:07:28,379 --> 00:07:29,899
还下一个金额稍大的债

287
00:07:29,899 --> 00:07:31,379
这样就像滚雪球一样

288
00:07:31,379 --> 00:07:32,300
越还越快

289
00:07:32,300 --> 00:07:34,660
我有个同事以前欠了三张信用卡

290
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一共5万多

291
00:07:35,600 --> 00:07:37,339
用这个方法两年就还清了

292
00:07:37,339 --> 00:07:38,060
关于目标

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00:07:38,060 --> 00:07:40,019
钱谦让吉亚做了一个梦想相册

294
00:07:40,019 --> 00:07:41,480
把自己想实现的梦想

295
00:07:41,480 --> 00:07:42,660
比如去美国旅行

296
00:07:42,660 --> 00:07:44,740
买一台笔记本电脑都拍成照片

297
00:07:44,740 --> 00:07:45,620
贴在相册里

298
00:07:45,620 --> 00:07:46,600
每天看几遍

299
00:07:46,600 --> 00:07:49,199
这样做的目的是让你对赚钱有明确的动力

300
00:07:49,199 --> 00:07:50,639
而不是模糊的想有钱

301
00:07:50,639 --> 00:07:51,680
我也做了一个梦想

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00:07:51,680 --> 00:07:52,100
相册

303
00:07:52,100 --> 00:07:53,939
里面有我想买的房子的照片

304
00:07:53,939 --> 00:07:55,579
想带爸妈去旅行的照片

305
00:07:55,579 --> 00:07:58,019
每次不想存钱的时候就翻出来看看

306
00:07:58,019 --> 00:07:59,220
动力马上就来了

307
00:07:59,220 --> 00:07:59,920
讲到这里

308
00:07:59,920 --> 00:08:02,660
可能有人会觉得这些方法听起来太简单了

309
00:08:02,660 --> 00:08:03,540
真的有用吗

310
00:08:03,540 --> 00:08:04,560
我想跟大家说

311
00:08:04,560 --> 00:08:06,439
理财从来不是什么高深的学问

312
00:08:06,439 --> 00:08:07,860
而是一种生活习惯

313
00:08:07,860 --> 00:08:08,620
小狗钱钱

314
00:08:08,620 --> 00:08:11,420
这本书最牛的地方就是把复杂的理财逻辑

315
00:08:11,420 --> 00:08:12,899
变成了每个人都能听懂

316
00:08:12,899 --> 00:08:13,959
能做到的小事

317
00:08:13,959 --> 00:08:15,639
他不是教你怎么一夜暴富

318
00:08:15,639 --> 00:08:17,779
而是教你怎么一步一步积累财富

319
00:08:17,779 --> 00:08:18,839
让钱为你工作

320
00:08:18,839 --> 00:08:20,160
而不是你为钱工作

321
00:08:20,160 --> 00:08:21,279
我身边有个阿姨

322
00:08:21,279 --> 00:08:22,360
今年50多岁了

323
00:08:22,360 --> 00:08:24,100
以前从来没接触过理财

324
00:08:24,100 --> 00:08:26,300
去年听我讲了小狗钱钱的内容后

325
00:08:26,300 --> 00:08:27,860
开始每个月存1000块

326
00:08:27,860 --> 00:08:29,079
买了稳健的理财

327
00:08:29,079 --> 00:08:31,060
现在每个月能有几十块的收益

328
00:08:31,060 --> 00:08:31,819
他跟我说

329
00:08:31,819 --> 00:08:33,960
以前总觉得理财是年轻人的事

330
00:08:33,960 --> 00:08:35,840
没想到我这个年纪也能学会

331
00:08:35,840 --> 00:08:37,840
现在看着收益心里就踏实

332
00:08:37,840 --> 00:08:39,340
你看不管什么年纪

333
00:08:39,340 --> 00:08:40,379
什么收入水平

334
00:08:40,379 --> 00:08:42,940
都能通过这本书改变自己的财富状况

335
00:08:42,940 --> 00:08:43,539
家人们

336
00:08:43,539 --> 00:08:46,279
我们之所以焦虑钱不是因为我们不够努力

337
00:08:46,279 --> 00:08:49,000
而是因为我们从来没人教过怎么跟钱打交道

338
00:08:49,000 --> 00:08:50,360
父母没教过学校

339
00:08:50,360 --> 00:08:50,879
没教过

340
00:08:50,879 --> 00:08:52,419
我们只能自己摸爬滚打

341
00:08:52,419 --> 00:08:53,340
走了很多弯路

342
00:08:53,340 --> 00:08:55,620
而小狗钱钱就像一个懂行的朋友

343
00:08:55,620 --> 00:08:57,980
把赚钱和理财的底层逻辑掰开揉碎了

344
00:08:57,980 --> 00:08:58,759
讲给我们听

345
00:08:58,759 --> 00:09:00,350
让我们少走10年弯路

346
00:09:00,350 --> 00:09:01,970
如果你现在还是月光族

347
00:09:01,970 --> 00:09:03,309
想存钱存不下来

348
00:09:03,309 --> 00:09:04,250
如果你有负债

349
00:09:04,250 --> 00:09:05,129
不知道怎么还

350
00:09:05,129 --> 00:09:06,139
如果你想理财

351
00:09:06,139 --> 00:09:07,559
却不知道从哪里开始

352
00:09:07,559 --> 00:09:09,460
如果你想给孩子做财富启蒙

353
00:09:09,460 --> 00:09:11,419
让他们从小就有正确的金钱观

354
00:09:11,419 --> 00:09:12,710
那这本书你一定要读

355
00:09:12,710 --> 00:09:14,730
它不是一本枯燥的理财教科书

356
00:09:14,730 --> 00:09:17,220
而是一本能改变你财富命运的故事书

357
00:09:17,220 --> 00:09:19,799
最后我想跟大家分享书里的一句话

358
00:09:19,799 --> 00:09:20,879
金钱是中性的

359
00:09:20,879 --> 00:09:22,039
它既不好也不坏

360
00:09:22,039 --> 00:09:23,179
它只是一种工具

361
00:09:23,179 --> 00:09:25,440
它会流向那些懂得如何使用它的人

362
00:09:25,440 --> 00:09:26,519
我们努力赚钱

363
00:09:26,519 --> 00:09:28,299
不是为了变成唯利是图的人

364
00:09:28,299 --> 00:09:29,960
而是为了拥有选择的自由

365
00:09:29,960 --> 00:09:31,639
可以选择自己喜欢的工作

366
00:09:31,639 --> 00:09:33,080
不用为了钱委屈自己

367
00:09:33,080 --> 00:09:34,580
可以在父母生病的时候

368
00:09:34,580 --> 00:09:35,960
不用为了医药费发愁

369
00:09:35,960 --> 00:09:37,419
可以给孩子更好的教育

370
00:09:37,419 --> 00:09:39,039
不用因为钱而放弃梦想

371
00:09:39,039 --> 00:09:40,460
可以在自己老了的时候

372
00:09:40,460 --> 00:09:41,840
不用为了生计奔波

373
00:09:41,840 --> 00:09:43,200
今天讲的这几个秘诀

374
00:09:43,200 --> 00:09:44,460
大家可以收藏起来

375
00:09:44,460 --> 00:09:45,399
反复听几遍

376
00:09:45,399 --> 00:09:46,700
更重要的是要去做

377
00:09:46,700 --> 00:09:48,559
从写第一篇成功日记开始

378
00:09:48,559 --> 00:09:50,299
从存第一笔金额钱开始

379
00:09:50,299 --> 00:09:52,059
从改变对钱的看法开始

380
00:09:52,059 --> 00:09:52,700
相信我

381
00:09:52,700 --> 00:09:53,480
一年后的你

382
00:09:53,480 --> 00:09:55,480
一定会感谢今天这个愿意花时间

383
00:09:55,480 --> 00:09:56,879
学习财富知识的自己

384
00:09:56,879 --> 00:09:58,879
如果觉得今天的内容对你有帮助

385
00:09:58,879 --> 00:10:00,139
别忘了点赞收藏

386
00:10:00,139 --> 00:10:02,399
转发给你身边正在为钱焦虑的朋友

387
00:10:02,399 --> 00:10:04,220
让他们也能从这本书里受益

388
00:10:04,220 --> 00:10:04,860
关注我

389
00:10:04,860 --> 00:10:07,559
下期我们讲另一本改变无数人的财富经典

390
00:10:07,559 --> 00:10:08,320
不见不散

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