查理芒格：为什么真正的富人，都懂得在这几件事上“抠门”？揭秘三种穷人才会买单的“富人标配”

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很多人以为有钱人的快乐就是买买买

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是开豪车

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住别墅

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每天换着名表

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带错了

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那是电影演给穷人看的

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那是商家为了掏空你的钱包而编织的童话

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这句话出自查理芒格

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他在一段晚年的录音里说过一句话

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在现实世界里

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我认识的那些真正的顶级富豪

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往往是你在路边看到的那个穿着老头衫

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吃着十块钱和饭的大爷

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他们之所以有钱

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不仅是因为他们会赚

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更是因为他们极度抠门

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他们绝不碰

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这三种被大众误以为是富人标配的东西

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因为他们知道这些东西不是财富的象征

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而是专门为收割那些想变富但又没脑子的人

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所设计的精准陷阱

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如果你想翻身

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请先避开第一个最昂贵的陷阱

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奢侈品陷阱

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我想问你一个问题

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当你花几个月的工资去买一个印满logo的包包时

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到底是你在穿名牌还是名牌在穿

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你在资本的洗脑下

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年轻人产生了一种错觉

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觉得只要我背上了这个包

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穿上了这双鞋

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我就跻身了上流社会

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我就拥有了和富人一样的身份

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别傻了

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真正的富人从来不需要用logo来证明身份

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他们的脸就是最大的logo

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他们的名字就是最贵的品牌

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你看扎克伯格常年穿着那件灰色T恤

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你看比尔盖茨手腕上戴的是几十美元的电子表

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难道他们买不起吗

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他们能把整个奢侈品集团买下来

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但他们为什么不买

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因为他们不需要

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奢侈品的本质其实是向穷人征收的一种自卑税

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你越是内心匮乏

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越是觉得自己无足轻重

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你就越迫切的需要这些昂贵的标签贴在身上

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好告诉世界看我过得很好

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我很成功

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但这恰恰暴暴露了你的贫穷

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你去早高峰的地铁里看看那些挤得满头大汗

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焦虑不堪的年轻人

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手里往往拎着一个昂贵的名牌包

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那个包不是他们的荣耀

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是他们的枷锁

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为了这个包

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他们不敢辞职

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不敢对老板说

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不

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每个月看着信用卡账单发愁

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而在同样的街道上

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那个穿着帆布鞋

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背着正品帆布袋的老头

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可能刚刚完成了一笔几千万的投资

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谁才是真正的自由

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真正的富人思维是把钱当作资源

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而不是面子

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当你把辛辛苦苦赚来的钱换成了一个会磨损

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会过气

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除了装点门面毫无用处的奢侈品时

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你就是主动把你的资源变成了垃圾

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你亲手杀死了你的钱

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所以如果你现在还不是亿万富翁

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请立刻戒掉

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用奢侈品武装自己的念头

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自信是从你的银行卡余额里长出来的

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是从你的认知里长出来的

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绝不是从那个义乌生产成本

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只有几百块的皮包里长出来的

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记住是你定义了衣服

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而不是衣服定义了你

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这只是第一个陷阱

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接下来我要说的第二个陷阱更加隐蔽

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他坑杀了无数原本可以跨越阶层的中产家庭

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这就是第二个陷阱

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伪资产陷阱这一关

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90%的人都过不去

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甚至很多受过高等教育的中产精英

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都在这里栽了大跟头

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最典型的例子就是车

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你去问问身边的年轻人

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他们人生中的第一个大件想买什么

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绝大多数人会告诉你

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我要买辆好车

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他们会精打细算

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还会去贷款

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甚至还要透支父母的养老金

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去提一辆崭新的

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甚至是远超自己承受能力的奔驰宝马奥迪

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他们管这个叫资产

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叫面子

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叫生意的敲门砖

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在我看来

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这是愚蠢至极的行为

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请记住我这句反人性的忠告

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对于还没实现财务自由的人来说

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车不是资产

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是负债

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什么是资产

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资产是那些把钱放进你口袋里的东西

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比如股票

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房租版权

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什么是负债

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负债是那些把钱从你口袋里掏走的东西

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一辆新车

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从你把他开出4S店大门的那一秒钟开始

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它就贬值了20%

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这就像是你口袋里装着10万块钱

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你在大风天里走了一圈回来只剩下8万了

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你觉得这合理吗

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如果你在股市里一分钟亏掉20%

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你会心疼的睡不着觉

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但你在买车时却觉得这理所应当

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真正的富人是怎么算的

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沃伦巴菲特身价千亿

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开的是一辆折旧抵扣完的就凯迪拉克

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扎克伯格开的是一辆普通的大众高尔夫

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我们买不起限量版跑车吗

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我们能买一车库

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但为什么不买

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因为懂得计算机会成本

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如果你在25岁时贷款30万买了一辆豪车

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你失去的不仅仅是这30万本金

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还有每年的保险费

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保养费

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油费

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以及你要为此支付给银行的高额利息

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更可怕的是

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你失去了这30万

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在未来30年里

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通过复利变成300万甚至1000万的机会

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你为了现在几年的虚荣

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扼杀了未来几十年的自由

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穷人为了面子

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宁愿背上沉重的车贷

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把自己变成银行的打工仔

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每天一睁眼就在为车子打工

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而富人他们宁愿开着普通的二手车

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把省下来的每一分钱都变成种子

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撒进资产的土壤里

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让钱为自己打工

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你会发现一个很有趣的现象

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越是真正的富人区

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停的车往往越低调越实用

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而在那些急于证明自己的伪中产社区

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却停满了刚刚打过蜡的崭新豪车

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车是给别人看的

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但存折里的数字是给自己花的

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如果你想变富

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在你的被动收入能够完全覆盖豪车的开销之前

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请压制住你对新车的渴望

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忍住不买

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或者买一辆保值的二手代步车

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这不丢人

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为了面子把底裤都输光了

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那才叫丢人

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如果你能跨过前两个陷阱

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说明你已经具备了基本的财商

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但第三个陷阱才是真正的大杀器

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他不仅骗你的钱

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还骗你的时间

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甚至会毁掉你的价值观

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这就是第三个陷阱

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高端圈子陷阱

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甚至可以说

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付费混圈子是这个世界上最大的笑话

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现在市面上到处都是那种收费

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几万甚至几10万的商学院总裁班

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高端俱乐部销售人员会以此给你洗脑

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人脉就是钱脉

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进了这个圈子

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你就能和亿万富翁做同学

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这不叫花钱

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这叫投资人脉

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千万别信

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这不仅是智商税

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这简直是侮辱你的智商

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请记住关于社交的一条铁律

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社交的本质是价值交换

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这很残酷

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但很真实

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如果你自己是一颗韭菜

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你挤进镰刀的圈子里

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你觉得会发生什么

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难道镰刀会把你当朋友吗

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在镰刀眼里

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你只是一颗长得比较肥

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还主动送上门的韭菜

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那些所谓的付费高端圈子往往只有两种人

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一种是想来收割别人的猎人

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一种是想走捷径

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试图抱大腿的猎物

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一群想走捷径的人聚在一起

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除了互相交换焦虑

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互换名片

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产生不了任何真正的价值

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真正的富人从来不混圈子

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因为他们知道圈子不是靠钱买进来的

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也不是靠脸皮厚蹭进来的

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圈子是被你的实力吸过来的

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当你一无所有的时候

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你在这个房间里给大佬端茶倒水

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大佬连你的名字都记不住

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但是当你在某个领域做到了极致

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当你手中握有别人无法拒绝的筹码时

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不用你去交钱

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那些圈子会主动为你打开大门

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甚至求着你加入

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我这一辈子最好的朋友是巴菲特

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我们这几十年的友谊

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不是靠互相请客吃饭建立的

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也不是靠谁依附谁建立的

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00:06:01,199 --> 00:06:03,420
是因为我们都极度痴迷于商业智慧

224
00:06:03,420 --> 00:06:06,100
我们都能在对方身上看到自己没有的闪光点

225
00:06:06,100 --> 00:06:07,259
这叫势均力敌

226
00:06:07,259 --> 00:06:11,040
所以年轻人请省下那些昂贵的入群费社交费吧

227
00:06:11,040 --> 00:06:13,100
别再幻想着在酒桌上能遇到贵人

228
00:06:13,100 --> 00:06:15,339
把你有限的时间和金钱全部砸在

229
00:06:15,339 --> 00:06:17,019
提升自己的大脑和技能上

230
00:06:17,019 --> 00:06:18,680
你自己就是你最强的人脉

231
00:06:18,680 --> 00:06:20,339
你自己就是你最大的豪门

232
00:06:20,339 --> 00:06:21,959
当你盛开清风自来

233
00:06:21,959 --> 00:06:24,019
你若无能混进去也是个笑话

234
00:06:24,019 --> 00:06:26,240
最后让我们回到最开始的那个问题

235
00:06:26,240 --> 00:06:28,000
什么才是真正的富人思维

236
00:06:28,000 --> 00:06:29,920
它不是你拥有了多少个爱马仕

237
00:06:29,920 --> 00:06:31,579
不是你开着多贵的跑车

238
00:06:31,579 --> 00:06:33,220
也不是你认识多少个名流

239
00:06:33,220 --> 00:06:35,800
真正的富人思维是一种不被收割的自由

240
00:06:35,800 --> 00:06:37,879
它意味着你拥有一颗强大的内心

241
00:06:37,879 --> 00:06:39,860
强大到不需要任何外在的奢侈品

242
00:06:39,860 --> 00:06:40,980
来证明你的价值

243
00:06:40,980 --> 00:06:42,660
它意味着你拥有一双慧眼

244
00:06:42,660 --> 00:06:44,319
能看穿消费主义的谎言

245
00:06:44,319 --> 00:06:45,620
把钱当作你的士兵

246
00:06:45,620 --> 00:06:46,740
而不是你的面子

247
00:06:46,740 --> 00:06:47,579
从今天起

248
00:06:47,579 --> 00:06:49,480
试着戒掉这三种伪富人行为

249
00:06:49,480 --> 00:06:50,759
戒掉奢侈品的虚荣

250
00:06:50,759 --> 00:06:52,079
戒掉伪资产的负债

251
00:06:52,079 --> 00:06:53,560
戒掉无效社交的幻想

252
00:06:53,560 --> 00:06:55,360
把你的每一分钱都积攒起来

253
00:06:55,360 --> 00:06:56,860
把它们变成资产的种子

254
00:06:56,860 --> 00:06:58,319
哪怕开始时只有一颗

255
00:06:58,319 --> 00:06:59,519
只要你悉心浇灌

256
00:06:59,519 --> 00:07:01,439
总有一天它会长成参天大树

257
00:07:01,439 --> 00:07:02,480
为你遮风挡雨

258
00:07:02,480 --> 00:07:03,819
给你真正的自由

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