查理芒格：为什么99％的聪明人，最终都沦为平庸？财富阶层不在于金钱，而在于认知！

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把你那张显示着余额的银行卡收起来

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把你那辆还在还贷的汽车钥匙扔到一边

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今天我要和你谈谈什么是真正的阶层

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我知道在你们的教科书和社会常识里

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阶层是按钱划分的

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年入3万是穷人

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年入30万是中产

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年入3000万是富人

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这是我听过的最愚蠢的分类

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如果阶层仅仅是由金钱决定的

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那怎么解释那些中了彩票头奖的幸运儿

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根据统计

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这些一夜之间拥有几千万现金的人

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有90%只会在3年到5年内彻底破产

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甚至比中奖前更穷

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他们有钱吗

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有但他们是富人吗

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绝不他们只是手里拿着巨款的穷人

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他们的思维操作系统依然是穷人的版本

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根本无法兼容这笔巨大的财富

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结果是系统崩溃

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财富归零

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反过来你再看看那些破产的企业家

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比如早年的史蒂夫乔布斯

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或者是某些负债累累的地产大亨

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他们在某个时刻

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资产负债表是红色的

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口袋里的现金可能比你还少

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但你会指着他们说

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他们是个穷人吗

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不会你知道

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只要给他们一点时间

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3年或者5年

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他们就会重新站回巅峰

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因为他们的大脑里运行着富人的操作系统

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对他们来说没钱只是暂时的

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现金流问题

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而不是阶层问题

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所以记住了金钱只是你思维的投影

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阶层不是你口袋里的数字

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而是你脑子里的程序

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这就是为什么我总是说想通过赚钱来改变阶层

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是本末倒置

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你必须先升级你的大脑

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金钱才会作为副产品随之而来

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但我遗憾的发现

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这个社会里绝大多数人的大脑都被锁

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你们被三种不同的病毒感染

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困在三个无法逃脱的笼子里

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穷人被困在稀缺的笼子里

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他们这辈子都在用时间换钱

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以为只要够快就能赢

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富人被困在傲慢的笼子里

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他们以为运气是能力

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结果往往死于自负

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而最可悲的是数量最庞大的中产阶级

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也就是坐在屏幕前的你们

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你们被困在一个精心设计的认知闭环里

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你们以为自己看懂了世界

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其实你们看到的只是媒体和商家

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想让你们看到的幻象

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你们是被饲养的最好的一群人

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你们努力工作

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背负房贷

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购买基金

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把孩子送进补习班

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以为这就叫向上流动

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其实你们只是在不知疲倦地推着磨盘的驴子

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在原地打转

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今天我要做一件很残忍的事

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我要把这三个笼子一个个拆开给你看

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我要告诉你到底是什么样的思维病灶

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导致了穷人的永恒贫困

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富人的一夜崩塌

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以及中产阶级的终身焦虑

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如果你想打破这个诅咒

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你就必须先看清这个诅咒

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但别指望我会说好听的话

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真话通常都很难听

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但只有听得进难听真话的人才配拥有自由

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准备好了吗

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让我们先从最底层那个笼子开始猜

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我们先来谈谈所谓的穷人阶层

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请注意我定义的穷人

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不仅是那些没钱的人

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那些月入5万月光的人

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那些手里有点积蓄

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就总想着搏一把的人

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在我眼里都是穷人

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穷人死于什么

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死于多巴胺渴望

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你们有没有观察过是谁在买彩票

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是谁在赌场里通宵达旦

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是谁

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在那些承诺一个月翻倍的资金盘里倾家荡产

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绝大多数都是穷人

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很多人认为穷人是因为蠢才去赌错了

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穷人之所以去赌

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是因为他们太想赢了

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而且是想立刻赢

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这就是稀缺心态带来的致命诅咒

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当一个人长期处于缺钱的状态时

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他的大脑带宽会被生存焦虑完全占据

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他看不见长期的未来

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只能看见眼前的诱惑

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对于穷人来说

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等待是痛苦的

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复利那种需要10年20年才能看到效果的东西

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对他们来说太慢了

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他们需要的是及时满足和多巴胺的瞬间爆发

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这种渴望让他们成为了骗子眼里最完美的猎物

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我年轻的时候看过无数这样的人

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他们哪怕只有几百块钱

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也要去买一张彩票

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他们相信那是改变命运的机会

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但我告诉你

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那不是机会

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那是智商税

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彩票是政府向那些数学不好的人征收的特别税

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更可怕的是

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这种赌徒思维会渗透到他们生活的方方面面

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在职业选择上

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穷人倾向于选择那些看起来赚钱快的工作

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比如送外卖

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跑网约车

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他们出卖时间换取立刻到账的陷阱

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他们拒绝去学习一门

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需要两三年才能掌握的复杂技能

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因为那意味着在学习期间没有收入

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结果10年过去

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他们的体能下降了

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但技能并没有积累

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他们依然在原地踏步

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甚至因为身体垮了而变得更穷

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如果你想摆脱穷人阶层

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你必须做的第一件事就是戒掉对快钱的渴望

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你要明白

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在这个宇宙中

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所有有价值的东西

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无论是财富

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智慧还是技能

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都是时间的函数

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如果你试图跳过时间去获取结果

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你最终会被时间惩罚

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你要学会做一个反本能的人

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当你的大脑尖叫着

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要买那个看起来能赚大钱的山寨币

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你要给自己一巴掌

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然后把钱存进那个每年只有4%回报的

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指数基金里

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这很无聊

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很慢很痛苦

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但这是唯一的解药

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记住富有的前提是拥有耐心的特权

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如果你连等到明天的耐心都没有

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那你注定今晚就会输

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现在让我们把目光投向金字塔的顶端

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如果说穷人是被欲望烧死的

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那么富人通常是被傲慢淹死的

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我这辈子见过太多曾经不可一世的富豪

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最后落得身败名裂

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他们不缺钱

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不缺资源

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也不缺智商

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那他们缺什么

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缺敬畏

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当一个人赚到了大钱

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尤其是在风口上赚到了快钱之后

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他的大脑会产生一种可怕的幻觉

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他会误以为这些钱是靠他的本事赚来的

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他会忽略运气的成分

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忽略时代的红利

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他开始觉得自己无所不能

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觉得自己有上帝视角

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这种傲慢是致命的

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首先它会让你听不进真话

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当你是大老板的时候

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周围的人都在巴结你

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都在说你英明神武

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慢慢的你在这个回音室里迷失了

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你开始做一些荒唐的决定

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比如盲目扩张

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跨界去搞自己根本不懂的行业

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赚了几10亿之后

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觉得自己是商业天才

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跑去搞高科技

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搞互联网

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结果呢几年时间几10亿亏的干干净净

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因为他不懂那个行业

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但他傲慢到不屑于去学习

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其次傲慢会让你失去对风险的感知

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富人最容易犯的错误就是幸存者偏差

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你赢了一把俄罗斯轮盘赌

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赚了100万

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你以为是因为你枪法好

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或者是你运气好

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其实你只是这一次没死而已

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但傲慢的富人会继续玩下去

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而且下注越来越大

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他们会加杠杆

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会借贷

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赌上全部身家

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他们心里想

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我以前都赢了

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这次肯定也没问题

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直到那一刻弹射出来

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在我和巴菲特看来

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保持富有比变富更难

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变富可能只需要一次好运气

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但保持富有需要你一辈子不犯大错

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我们之所以能活到现在还坐在牌桌上

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不是因为我们比别人聪明

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而是因为我们要比别人更胆小

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我们知道自己的能力圈收钱

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我们死都不出去

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我们知道市场是不可预测的

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所以我们要留安全边界

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如果你现在已经有点钱了

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是个小妇人了

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我要提醒你

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别把自己当神

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别以为你过去的成功预示着你未来的成功

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每天早上照镜子的时候

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提醒自己

225
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你只是一个幸运的凡人

226
00:06:12,839 --> 00:06:14,259
别太把自己当回事儿

227
00:06:14,259 --> 00:06:15,860
只有时刻保持这种谦卑

228
00:06:15,860 --> 00:06:17,300
你才能守住你的果实

229
00:06:17,300 --> 00:06:20,519
否则上帝给你的礼物迟早会连本带利的收回去

230
00:06:20,519 --> 00:06:22,680
现在让我们来谈谈中产阶级对

231
00:06:22,680 --> 00:06:24,819
说的就是你一个受过良好教育

232
00:06:24,819 --> 00:06:26,019
有一份体面工作

233
00:06:26,019 --> 00:06:27,279
背着几百万房贷

234
00:06:27,279 --> 00:06:28,579
开着一辆不错的车

235
00:06:28,579 --> 00:06:31,000
每年带全家去旅行一次的中产阶级

236
00:06:31,000 --> 00:06:32,920
你觉得自己过得还不错对吧

237
00:06:32,920 --> 00:06:34,620
甚至比上不足比下有余

238
00:06:34,620 --> 00:06:35,459
但我告诉你

239
00:06:35,459 --> 00:06:37,800
你是这个社会上最可悲的一个阶层

240
00:06:37,800 --> 00:06:38,379
为什么

241
00:06:38,379 --> 00:06:40,360
因为穷人是被暴力的生活压榨

242
00:06:40,360 --> 00:06:41,839
而你们是被观念压榨

243
00:06:41,839 --> 00:06:44,000
而且这种压榨是你们心甘情愿的

244
00:06:44,000 --> 00:06:45,199
甚至引以为豪的

245
00:06:45,199 --> 00:06:47,579
你们死于一个精心设计的认知闭环

246
00:06:47,579 --> 00:06:49,180
回想一下你的人生轨迹

247
00:06:49,180 --> 00:06:51,420
是不是像有人给你写好了剧本一样

248
00:06:51,420 --> 00:06:53,399
七岁你被告诉要努力读书

249
00:06:53,399 --> 00:06:54,379
考个好大学

250
00:06:54,379 --> 00:06:57,439
22岁你被告诉要进大厂或者考公务员

251
00:06:57,439 --> 00:06:58,459
因为那样稳定

252
00:06:58,459 --> 00:07:00,660
28岁你被告诉必须买房

253
00:07:00,660 --> 00:07:01,839
否则就是没出息

254
00:07:01,839 --> 00:07:03,459
还要背上30年的贷款

255
00:07:03,459 --> 00:07:05,360
35岁你被告诉要理财

256
00:07:05,360 --> 00:07:07,060
要给孩子报昂贵的补习班

257
00:07:07,060 --> 00:07:08,480
不能输在起跑线上

258
00:07:08,480 --> 00:07:10,459
你以为这些都是你自己的选择吗

259
00:07:10,459 --> 00:07:12,399
错这是社会为了维持运转

260
00:07:12,399 --> 00:07:14,839
专门给中产阶级设计的一套饲养程序

261
00:07:14,839 --> 00:07:16,740
这个程序的消费目的只有一个

262
00:07:16,740 --> 00:07:18,100
让你成为一颗高效率

263
00:07:18,100 --> 00:07:18,779
高产出

264
00:07:18,779 --> 00:07:20,120
不敢停下来的电池

265
00:07:20,120 --> 00:07:21,839
首先系统教育告诉你

266
00:07:21,839 --> 00:07:23,459
成为一颗螺丝钉是光荣的

267
00:07:23,459 --> 00:07:25,519
他教你如何解答复杂的数学题

268
00:07:25,519 --> 00:07:26,839
教你如何编写代码

269
00:07:26,839 --> 00:07:28,420
但他唯独不教你这一课

270
00:07:28,420 --> 00:07:29,699
金钱是如何运作的

271
00:07:29,699 --> 00:07:32,160
因为如果每个零件都懂得了资本的秘密

272
00:07:32,160 --> 00:07:33,199
谁还来拉磨呢

273
00:07:33,199 --> 00:07:36,360
接着房地产和消费主义给你套上沉重的枷锁

274
00:07:36,360 --> 00:07:38,199
当你背上那30年的房贷时

275
00:07:38,199 --> 00:07:38,800
恭喜你

276
00:07:38,800 --> 00:07:40,279
你就成了最听话的员工

277
00:07:40,279 --> 00:07:41,180
你不敢辞职

278
00:07:41,180 --> 00:07:41,920
不敢反抗

279
00:07:41,920 --> 00:07:43,480
老板不敢去冒险创业

280
00:07:43,480 --> 00:07:44,939
你哪怕有惊世的才华

281
00:07:44,939 --> 00:07:47,759
也只能老老实实的在格子间里干到退休

282
00:07:47,759 --> 00:07:48,879
因为你只要停下来

283
00:07:48,879 --> 00:07:50,660
一个月你的生活就会崩塌

284
00:07:50,660 --> 00:07:51,959
这就是所谓的稳定

285
00:07:51,959 --> 00:07:54,519
这种稳定本质上是一种奴隶制的辩题

286
00:07:57,000 --> 00:07:58,160
其实也是假的

287
00:07:58,160 --> 00:08:00,899
你们的认知是被主流媒体和商业营销

288
00:08:00,899 --> 00:08:02,480
严丝合缝地包裹起来的

289
00:08:02,480 --> 00:08:03,139
早晨起来

290
00:08:03,139 --> 00:08:04,139
你看财经信息

291
00:08:04,139 --> 00:08:05,560
听着专家分析股市

292
00:08:05,560 --> 00:08:07,000
你以为你在获取信息

293
00:08:07,000 --> 00:08:08,339
其实你在吞噬噪音

294
00:08:08,339 --> 00:08:09,939
那些专家是华尔街养的

295
00:08:09,939 --> 00:08:11,779
他们说话的目的不是让你赚钱

296
00:08:11,779 --> 00:08:13,000
而是让你频繁交易

297
00:08:13,000 --> 00:08:14,279
好让他们赚手续费

298
00:08:14,279 --> 00:08:17,459
周末你去商场看着广告牌上写着精致生活

299
00:08:17,459 --> 00:08:18,319
中产标配

300
00:08:18,319 --> 00:08:19,740
你以为你在追求品质

301
00:08:19,740 --> 00:08:21,199
其实你在缴纳智商税

302
00:08:21,199 --> 00:08:22,759
商家发明了无数个概念

303
00:08:22,759 --> 00:08:23,519
比如青史

304
00:08:23,519 --> 00:08:24,300
比如抗糖

305
00:08:24,300 --> 00:08:25,060
比如早教

306
00:08:25,060 --> 00:08:27,040
专门用来收割你们口袋里的余钱

307
00:08:27,040 --> 00:08:29,220
你们就生活在电影楚门的世界里

308
00:08:29,220 --> 00:08:30,079
周围的一切

309
00:08:30,079 --> 00:08:30,860
你的邻居

310
00:08:30,860 --> 00:08:31,680
你的同事

311
00:08:31,680 --> 00:08:34,779
你的手机推送都在合力维持一个巨大的谎言

312
00:08:34,779 --> 00:08:35,980
这个谎言告诉你

313
00:08:35,980 --> 00:08:37,159
只要你足够努力

314
00:08:37,159 --> 00:08:39,019
只要你遵循这条既定的轨道

315
00:08:39,019 --> 00:08:40,299
你就能通向幸福

316
00:08:40,299 --> 00:08:41,678
但我看到的事实是

317
00:08:41,678 --> 00:08:43,339
你们越努力陷得越深

318
00:08:43,339 --> 00:08:44,399
你们跑得越快

319
00:08:44,399 --> 00:08:45,698
那个磨盘转的越快

320
00:08:45,698 --> 00:08:47,139
但你们依然还在原地

321
00:08:47,139 --> 00:08:48,480
这就叫认知闭环

322
00:08:48,480 --> 00:08:50,259
你们在这个闭环里自我感动

323
00:08:50,259 --> 00:08:51,460
以为看懂了世界

324
00:08:51,460 --> 00:08:53,879
其实你们只是被驯化的最完美的绵羊

325
00:08:53,879 --> 00:08:54,960
如果你想突围

326
00:08:54,960 --> 00:08:57,580
你首先要意识到这个笼子不是铁做的

327
00:08:57,580 --> 00:08:58,580
是观念做的

328
00:08:58,580 --> 00:09:00,080
只要你不接受那些观念

329
00:09:00,080 --> 00:09:01,220
笼子就不存在

330
00:09:01,220 --> 00:09:02,539
既然你要打破笼子

331
00:09:02,539 --> 00:09:05,220
你就得看清楚笼子是用什么材料做的

332
00:09:05,220 --> 00:09:07,440
在现代社会有三把隐形的镰刀

333
00:09:07,440 --> 00:09:09,240
专门悬在中产阶级的头顶

334
00:09:09,240 --> 00:09:11,059
这三把镰刀刀刀致命

335
00:09:11,059 --> 00:09:14,059
每挥舞一次就要收割掉你们未来10年的财富

336
00:09:14,059 --> 00:09:16,120
第一把镰刀叫做精致消费

337
00:09:16,120 --> 00:09:19,059
中产阶级最大的死穴就是太在乎身份感

338
00:09:19,059 --> 00:09:21,019
你们急于证明自己脱离了底层

339
00:09:21,019 --> 00:09:23,419
于是疯狂地购买那些象征身份的符号

340
00:09:23,419 --> 00:09:24,879
看看你们手腕上的名表

341
00:09:24,879 --> 00:09:26,620
看看你们衣柜里的奢侈品包

342
00:09:26,620 --> 00:09:29,100
看看你们为了所谓的面子而购买的豪宅

343
00:09:29,100 --> 00:09:31,120
这些东西在你们刷卡的那一瞬间

344
00:09:31,120 --> 00:09:32,240
价值就跌了一半

345
00:09:32,240 --> 00:09:33,759
我在很多年前就说过

346
00:09:33,759 --> 00:09:34,899
如果我要做生意

347
00:09:34,899 --> 00:09:36,460
我一定赚中产阶级的钱

348
00:09:36,460 --> 00:09:37,620
因为富人太精明

349
00:09:37,620 --> 00:09:38,240
不好骗

350
00:09:38,240 --> 00:09:39,519
穷人没钱骗不到

351
00:09:39,519 --> 00:09:41,639
只有中产阶级既有钱又虚荣

352
00:09:41,639 --> 00:09:42,679
还好骗你们

353
00:09:42,679 --> 00:09:45,419
用透支未来的钱去买一堆并不需要的垃圾

354
00:09:45,419 --> 00:09:47,580
只是为了让那些你们根本不喜欢的人

355
00:09:47,580 --> 00:09:48,620
羡慕你一秒钟

356
00:09:48,620 --> 00:09:50,559
这就是为什么你们收入越来越高

357
00:09:50,559 --> 00:09:51,899
却存不下钱的原因

358
00:09:51,899 --> 00:09:53,460
你们把资产变成了负债

359
00:09:53,460 --> 00:09:55,659
第二把镰刀叫做学历军备竞赛

360
00:09:55,659 --> 00:09:57,440
这是一场残酷的内卷游戏

361
00:09:57,440 --> 00:09:59,019
你们自己吃过学历的苦

362
00:09:59,019 --> 00:10:00,360
或者尝过学历的甜

363
00:10:00,360 --> 00:10:02,919
于是把所有的赌注都压在下一代身上

364
00:10:02,919 --> 00:10:04,500
私立学校国际游学

365
00:10:04,500 --> 00:10:05,480
天价补习班

366
00:10:05,480 --> 00:10:06,940
你们为此掏空了积蓄

367
00:10:06,940 --> 00:10:08,080
牺牲了生活质量

368
00:10:08,080 --> 00:10:09,860
但你们忘了反过来想一想

369
00:10:09,860 --> 00:10:10,919
在这个人工智能

370
00:10:10,919 --> 00:10:13,000
即将取代大多数白领工作的时代

371
00:10:13,000 --> 00:10:16,080
你让孩子花20年去学那些死记硬背的知识

372
00:10:16,080 --> 00:10:16,980
真的有用吗

373
00:10:16,980 --> 00:10:18,600
你们在用19世纪的思维

374
00:10:18,600 --> 00:10:21,679
教21世纪的孩子去应对22世纪的竞争

375
00:10:21,679 --> 00:10:22,960
这不仅是浪费费钱

376
00:10:22,960 --> 00:10:24,740
这是在毁掉孩子的创造力

377
00:10:24,740 --> 00:10:27,220
真正的精英教育是教孩子如何思考

378
00:10:27,220 --> 00:10:28,039
如何决策

379
00:10:28,039 --> 00:10:29,240
而不是如何做题

380
00:10:29,240 --> 00:10:31,399
第三把镰刀也是最锋利的一把

381
00:10:31,399 --> 00:10:32,480
叫做理财焦虑

382
00:10:32,480 --> 00:10:34,139
这是华尔街最喜欢的游戏

383
00:10:34,139 --> 00:10:35,419
你们手里有点积蓄

384
00:10:35,419 --> 00:10:36,399
但这笔钱又不够

385
00:10:36,399 --> 00:10:37,240
让你们躺平

386
00:10:37,240 --> 00:10:39,120
你们看着通货膨胀感到恐慌

387
00:10:39,120 --> 00:10:40,720
于是迫切的想要钱生钱

388
00:10:40,720 --> 00:10:42,299
这时候金融机构来了

389
00:10:42,299 --> 00:10:44,580
他们给你们推销各种复杂的理财产品

390
00:10:44,580 --> 00:10:47,259
基金信托p two p结构化票据

391
00:10:47,259 --> 00:10:49,539
他们用一大堆你们听不懂的专业术语

392
00:10:49,539 --> 00:10:50,580
什么夏普比率

393
00:10:50,580 --> 00:10:52,519
什么阿尔法策略把你们绕晕

394
00:10:52,519 --> 00:10:54,080
你们不敢承认自己听不懂

395
00:10:54,080 --> 00:10:55,460
因为那样显得不专业

396
00:10:55,460 --> 00:10:56,940
于是你们点点头签字

397
00:10:56,940 --> 00:10:59,039
把钱交给了那些穿西装的年轻人

398
00:10:59,039 --> 00:10:59,960
但我告诉你们

399
00:10:59,960 --> 00:11:01,259
那些帮你们理财的人

400
00:11:01,259 --> 00:11:03,740
大部分连自己的信用卡账单都搞不明白

401
00:11:03,740 --> 00:11:05,059
他们唯一关心的是

402
00:11:05,059 --> 00:11:07,059
如何把你的钱变成他们的佣金

403
00:11:07,059 --> 00:11:09,679
中产阶级在股市里是被收割的最惨的

404
00:11:09,679 --> 00:11:10,639
因为你们懂一点

405
00:11:10,639 --> 00:11:11,700
但又不懂核心

406
00:11:11,700 --> 00:11:12,580
你们有欲望

407
00:11:12,580 --> 00:11:13,600
但有没有耐心

408
00:11:13,600 --> 00:11:14,659
你们高位站岗

409
00:11:14,659 --> 00:11:15,460
低位割肉

410
00:11:15,460 --> 00:11:16,960
以此循环生生不息

411
00:11:16,960 --> 00:11:18,580
这三把镰刀为消费

412
00:11:18,580 --> 00:11:19,259
为教育

413
00:11:19,259 --> 00:11:19,879
为教育

414
00:11:21,799 --> 00:11:23,679
只要你还在这三个陷阱里打转

415
00:11:23,679 --> 00:11:25,580
你每天996赚来的辛苦钱

416
00:11:25,580 --> 00:11:27,139
就像倒进了一个漏底的桶

417
00:11:27,139 --> 00:11:28,299
永远也填不满

418
00:11:28,299 --> 00:11:28,980
醒醒吧

419
00:11:28,980 --> 00:11:30,519
停止那些无意义的魔方

420
00:11:30,519 --> 00:11:32,179
停止那些为了面子的消费

421
00:11:32,179 --> 00:11:33,340
把你的钱留下来

422
00:11:33,340 --> 00:11:34,559
去买真正的资产

423
00:11:34,559 --> 00:11:36,580
去买那些能产生现金流的生意

424
00:11:36,580 --> 00:11:37,980
去投资你自己的大脑

425
00:11:37,980 --> 00:11:39,659
而不是投资你身上的logo

426
00:11:39,659 --> 00:11:41,259
如何打破这个认知闭环

427
00:11:41,259 --> 00:11:43,059
很多人以为只要我赚够了钱

428
00:11:43,059 --> 00:11:44,960
我就能跳出这个圈子错

429
00:11:44,960 --> 00:11:47,220
如果你带着中产阶级的思维去赚钱

430
00:11:47,220 --> 00:11:48,120
你赚的越多

431
00:11:48,120 --> 00:11:49,299
你的枷锁就越重

432
00:11:49,299 --> 00:11:50,740
你会买更大的房子

433
00:11:50,740 --> 00:11:51,980
背背更重的贷款

434
00:11:51,980 --> 00:11:53,480
送孩子去更贵的学校

435
00:11:53,480 --> 00:11:55,419
你只是从一个小的仓鼠轮子

436
00:11:55,419 --> 00:11:57,419
换到了一个镀金的大仓鼠轮子

437
00:11:57,419 --> 00:11:58,960
真正的突围不是靠前

438
00:11:58,960 --> 00:12:00,159
而是靠反常识

439
00:12:00,159 --> 00:12:01,600
你要做一个社会的异类

440
00:12:01,600 --> 00:12:02,179
第一步

441
00:12:02,179 --> 00:12:03,460
学会对标配说不

442
00:12:03,460 --> 00:12:04,440
社会告诉你

443
00:12:04,440 --> 00:12:05,720
30岁必须结婚

444
00:12:05,720 --> 00:12:06,879
结婚必须买房

445
00:12:06,879 --> 00:12:08,000
买房必须买车

446
00:12:08,000 --> 00:12:09,519
你要学会说去你的

447
00:12:09,519 --> 00:12:11,480
如果现在的房价租售比不合理

448
00:12:11,480 --> 00:12:12,259
我就租房

449
00:12:12,259 --> 00:12:13,659
把首付的钱拿去投资

450
00:12:13,659 --> 00:12:15,659
那些真正能产生现金流的资产

451
00:12:15,659 --> 00:12:17,120
你可能会被亲戚嘲笑

452
00:12:17,120 --> 00:12:18,220
被丈母娘嫌弃

453
00:12:18,220 --> 00:12:19,279
但你要问自己

454
00:12:19,279 --> 00:12:20,820
我是为了他们的面子活着

455
00:12:20,820 --> 00:12:22,580
还是为了我的财务自由活着

456
00:12:22,580 --> 00:12:24,419
当别人都在追求体面的时候

457
00:12:24,419 --> 00:12:25,539
你要追求实惠

458
00:12:25,539 --> 00:12:27,320
当别人都在追求稳定的时候

459
00:12:27,320 --> 00:12:28,480
要追求反脆弱

460
00:12:28,480 --> 00:12:31,059
你要敢于做一个在别人眼里混的不咋样

461
00:12:31,059 --> 00:12:33,879
但实际上手里握着大量生息资产的隐形人

462
00:12:33,879 --> 00:12:34,440
第二部

463
00:12:34,440 --> 00:12:36,379
从消费升级转向生产升级

464
00:12:36,379 --> 00:12:39,440
中产阶级最大的病就是太爱消费而不爱生产

465
00:12:39,440 --> 00:12:41,039
你们下班回家时刷抖音

466
00:12:41,039 --> 00:12:41,679
看网剧

467
00:12:41,679 --> 00:12:43,100
还是在打磨一项技能

468
00:12:43,100 --> 00:12:44,139
经营一个副业

469
00:12:44,139 --> 00:12:45,440
或者研究一家公司

470
00:12:45,440 --> 00:12:48,399
如果你每天的时间都花在消费别人制造的内容

471
00:12:48,399 --> 00:12:49,440
产品和焦虑上

472
00:12:49,440 --> 00:12:50,559
那你永远是猎物

473
00:12:50,559 --> 00:12:53,379
你要把你的身份从消费者切换成生产者

474
00:12:53,379 --> 00:12:55,220
别去买那些教你致富的课程

475
00:12:55,220 --> 00:12:57,639
去研究那些卖课程的人是怎么赚钱的

476
00:12:57,639 --> 00:12:59,740
别去买那些所谓的高端理财产品

477
00:12:59,740 --> 00:13:02,580
去研究那些设计产品的人是怎么收割你的

478
00:13:02,580 --> 00:13:04,620
当你开始用收割者的视角看世界

479
00:13:04,620 --> 00:13:05,899
你就不会再被收割

480
00:13:05,899 --> 00:13:07,899
第三步建立FUMI的底气

481
00:13:07,899 --> 00:13:10,679
我在年轻的时候就发誓要争取财务独立

482
00:13:10,679 --> 00:13:11,759
不是因为我爱钱

483
00:13:11,759 --> 00:13:13,980
而是因为我不想听任何傻瓜的智慧

484
00:13:13,980 --> 00:13:14,980
你需要一笔钱

485
00:13:14,980 --> 00:13:16,960
这笔钱不需要多到让你买游艇

486
00:13:16,960 --> 00:13:19,639
但必须足够让你在老板让你做蠢事的时候

487
00:13:19,639 --> 00:13:21,899
或者让你牺牲健康去换业绩的时候

488
00:13:21,899 --> 00:13:23,700
能把辞职信甩在他桌子上

489
00:13:23,700 --> 00:13:24,759
然后转身就走

490
00:13:24,759 --> 00:13:25,690
这就叫负美女

491
00:13:25,690 --> 00:13:27,330
他是你人格独立的基石

492
00:13:27,330 --> 00:13:28,669
对于中产阶级来说

493
00:13:28,669 --> 00:13:31,679
存下这笔钱的唯一方法就是极度的延迟满足

494
00:13:31,679 --> 00:13:33,519
你要像修道士一样生活几年

495
00:13:33,519 --> 00:13:35,000
砍掉所有不必要的开支

496
00:13:35,000 --> 00:13:35,639
不换车

497
00:13:35,639 --> 00:13:36,399
不买名牌

498
00:13:36,399 --> 00:13:37,000
不旅游

499
00:13:37,000 --> 00:13:38,879
把每一分钱都变成你的士兵

500
00:13:38,879 --> 00:13:39,740
这很痛苦

501
00:13:39,740 --> 00:13:41,220
但这种痛苦是暂时的

502
00:13:41,220 --> 00:13:42,500
而那种被债务绑架

503
00:13:42,500 --> 00:13:44,980
不得不向生活低头的痛苦是永久的

504
00:13:44,980 --> 00:13:46,600
好了朋友手术结束了

505
00:13:46,600 --> 00:13:48,480
我在这个视频里说了很多狠话

506
00:13:48,480 --> 00:13:49,820
可能让你感到不舒服

507
00:13:49,820 --> 00:13:51,240
但我不是来讨好你的

508
00:13:51,240 --> 00:13:52,320
我是来唤醒你的

509
00:13:52,320 --> 00:13:55,240
古希腊哲学家柏拉图有一个著名的洞穴寓言

510
00:13:55,240 --> 00:13:57,059
一群人从小被锁在洞穴里

511
00:13:57,059 --> 00:13:57,899
背对着洞口

512
00:13:57,899 --> 00:14:00,679
他们只能看到墙壁上火光投射出的影子

513
00:14:00,679 --> 00:14:02,879
他们以为那些影子就是世界的真相

514
00:14:02,879 --> 00:14:03,720
直到有一天

515
00:14:03,720 --> 00:14:05,120
有一个人挣脱了锁链

516
00:14:05,120 --> 00:14:06,000
爬出了洞穴

517
00:14:06,000 --> 00:14:07,399
看到了真正的真相

518
00:14:07,399 --> 00:14:09,240
哪怕阳光刺痛了她的眼睛

519
00:14:09,240 --> 00:14:11,059
哪怕外面的风让他感到寒冷

520
00:14:11,059 --> 00:14:12,820
但她终于看到了真实的世界

521
00:14:12,820 --> 00:14:13,879
当他回到洞穴

522
00:14:13,879 --> 00:14:14,779
告诉同伴们

523
00:14:14,779 --> 00:14:16,059
墙上的影子是假的

524
00:14:16,059 --> 00:14:17,019
外面才有真理

525
00:14:17,019 --> 00:14:18,440
你猜同伴们会怎么做

526
00:14:18,440 --> 00:14:19,460
他们会嘲笑他

527
00:14:19,460 --> 00:14:20,480
甚至想杀了他

528
00:14:20,480 --> 00:14:22,240
因为他破坏了大家的安全感

529
00:14:22,240 --> 00:14:25,320
今天我就是那个试图把你拽出洞穴的老头子

530
00:14:25,320 --> 00:14:26,220
穷人的欲望

531
00:14:26,220 --> 00:14:27,139
富人的傲慢

532
00:14:27,139 --> 00:14:28,340
中产的认知闭环

533
00:14:28,340 --> 00:14:29,820
这些都是墙上的影子

534
00:14:29,820 --> 00:14:30,559
他们是社会

535
00:14:30,559 --> 00:14:33,120
为了让你乖乖听话而投射出来的幻想

536
00:14:33,120 --> 00:14:34,960
你可以选择继续盯着墙壁看

537
00:14:34,960 --> 00:14:37,100
继续在焦虑和虚荣中度过余生

538
00:14:37,100 --> 00:14:38,480
这是大多数人的选择

539
00:14:38,480 --> 00:14:39,259
这很安全

540
00:14:39,259 --> 00:14:39,980
很合群

541
00:14:39,980 --> 00:14:41,480
你也可以选择挣脱锁链

542
00:14:41,480 --> 00:14:42,600
转身爬出洞穴

543
00:14:42,600 --> 00:14:43,700
这条路很难走

544
00:14:43,700 --> 00:14:44,559
你会被误解

545
00:14:44,559 --> 00:14:45,179
被孤立

546
00:14:45,179 --> 00:14:45,940
被嘲笑

547
00:14:45,940 --> 00:14:46,960
但我向你保证

548
00:14:46,960 --> 00:14:48,620
当你站在阳光下的那一刻

549
00:14:48,620 --> 00:14:51,600
你会发现你以前在笼子里争抢的那些东西

550
00:14:51,600 --> 00:14:52,440
那些职位

551
00:14:52,440 --> 00:14:53,320
那些名牌

552
00:14:53,320 --> 00:14:55,259
那些虚荣是多么的可笑

553
00:14:55,259 --> 00:14:56,580
你不仅会变得富有

554
00:14:56,580 --> 00:14:57,580
你会变得自由

555
00:14:57,580 --> 00:14:58,600
祝你好运

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