查理芒格：为什么越急着赚钱，反而越穷？赚大钱从来不是靠买卖，而是等待！

1
00:00:00,080 --> 00:00:02,740
你知道为什么大多数人年轻时拼命赚钱

2
00:00:02,740 --> 00:00:04,139
老了却越来越穷吗

3
00:00:04,139 --> 00:00:05,559
不是因为他们不够努力

4
00:00:05,559 --> 00:00:07,599
而是因为他们从未学会一件事

5
00:00:07,599 --> 00:00:08,560
越老越穷的人

6
00:00:08,560 --> 00:00:09,560
都是因为太极

7
00:00:09,560 --> 00:00:10,560
越老越富的人

8
00:00:10,560 --> 00:00:11,460
都是因为够慢

9
00:00:11,460 --> 00:00:12,960
这句话出自查理芒格

10
00:00:12,960 --> 00:00:15,119
他在一段晚年的录音里说过一句话

11
00:00:15,119 --> 00:00:16,480
我第一次听到的时候

12
00:00:16,480 --> 00:00:17,559
背后是发凉的

13
00:00:17,559 --> 00:00:18,739
我活了99年

14
00:00:18,739 --> 00:00:20,140
见过太多人的结局

15
00:00:20,140 --> 00:00:21,920
有些人年轻时意气风发

16
00:00:21,920 --> 00:00:23,199
中年时家财万贯

17
00:00:23,199 --> 00:00:24,800
老了却连尊严都守不住

18
00:00:24,800 --> 00:00:26,579
也有些人看起来平平无奇

19
00:00:26,579 --> 00:00:28,079
一辈子不显山不露水

20
00:00:28,079 --> 00:00:30,339
到了七八十岁反而活得从容富足

21
00:00:30,339 --> 00:00:31,160
心安理得

22
00:00:31,160 --> 00:00:32,960
这两种人的差别不在智商

23
00:00:32,960 --> 00:00:33,740
不在机遇

24
00:00:33,740 --> 00:00:34,719
更不在运气

25
00:00:34,719 --> 00:00:37,140
差别在于他们对时间的理解完全不同

26
00:00:37,140 --> 00:00:38,579
前者以为时间是敌人

27
00:00:38,579 --> 00:00:39,640
所以拼命追赶

28
00:00:39,640 --> 00:00:40,759
结果摔得粉碎

29
00:00:40,759 --> 00:00:42,920
后者把时间当朋友慢慢积累

30
00:00:42,920 --> 00:00:44,420
最后被时间温柔对待

31
00:00:44,420 --> 00:00:45,460
听起来简单吧

32
00:00:45,460 --> 00:00:48,420
可这世界上九成的人一辈子都学不会这一课

33
00:00:48,420 --> 00:00:49,799
我见过太多聪明人

34
00:00:49,799 --> 00:00:50,899
老了却一无所有

35
00:00:50,899 --> 00:00:52,140
我年轻时当律师

36
00:00:52,140 --> 00:00:53,240
认识不少同行

37
00:00:53,240 --> 00:00:54,320
他们聪明勤奋

38
00:00:54,320 --> 00:00:55,140
受人尊敬

39
00:00:55,140 --> 00:00:56,100
按小时收费

40
00:00:56,100 --> 00:00:57,240
每分钟都值钱

41
00:00:57,240 --> 00:00:59,119
可问题是他们卖的是命

42
00:00:59,119 --> 00:01:01,799
有一位朋友50多岁时还在拼命工作

43
00:01:01,799 --> 00:01:03,060
每天十几个小时

44
00:01:03,060 --> 00:01:04,200
周末也不休息

45
00:01:04,200 --> 00:01:05,980
他说家里我得多赚点

46
00:01:05,980 --> 00:01:07,140
孩子还要上大学

47
00:01:07,140 --> 00:01:08,159
房贷还没还完

48
00:01:08,159 --> 00:01:08,980
我看着他

49
00:01:08,980 --> 00:01:09,920
心里很清楚

50
00:01:09,920 --> 00:01:11,299
他这辈子都不会自由

51
00:01:11,299 --> 00:01:13,340
因为他的收入和他的时间绑死了

52
00:01:13,340 --> 00:01:14,400
一旦他停下来

53
00:01:14,400 --> 00:01:15,180
钱就没了

54
00:01:15,180 --> 00:01:16,379
后来他60岁那年

55
00:01:16,379 --> 00:01:17,359
身体出了问题

56
00:01:17,359 --> 00:01:18,200
被迫退休

57
00:01:18,200 --> 00:01:19,120
退休金不够

58
00:01:19,120 --> 00:01:20,540
股票投资又亏了一半

59
00:01:20,540 --> 00:01:21,739
他不得不卖掉房子

60
00:01:21,739 --> 00:01:22,780
搬到更小的地方

61
00:01:22,780 --> 00:01:24,200
我记得最后一次见他

62
00:01:24,200 --> 00:01:25,540
他眼神里全是疲惫

63
00:01:25,540 --> 00:01:26,579
他说查理

64
00:01:26,579 --> 00:01:27,819
我以为自己做对了

65
00:01:27,819 --> 00:01:29,120
努力工作养活家人

66
00:01:29,120 --> 00:01:30,819
可为什么到头来还是这样

67
00:01:30,819 --> 00:01:31,620
我没回答

68
00:01:31,620 --> 00:01:32,859
因为答案太残酷

69
00:01:32,859 --> 00:01:33,959
他不是做错了

70
00:01:33,959 --> 00:01:36,019
他只是从一开始就选错了游戏

71
00:01:36,019 --> 00:01:38,260
他以为人生是一场劳动换钱的游戏

72
00:01:38,260 --> 00:01:40,680
可真正的游戏规则是让钱为你工作

73
00:01:40,680 --> 00:01:41,980
而不是你为钱工作

74
00:01:41,980 --> 00:01:43,180
这两者的差别就是

75
00:01:43,180 --> 00:01:45,280
越老越穷和越老越富的分水岭

76
00:01:45,280 --> 00:01:46,480
我也见过另一种人

77
00:01:46,480 --> 00:01:48,040
他们年轻时看起来很笨

78
00:01:48,040 --> 00:01:48,819
不争不抢

79
00:01:48,819 --> 00:01:49,659
默默存钱

80
00:01:49,659 --> 00:01:50,900
买一些无聊的资产

81
00:01:50,900 --> 00:01:52,180
稳定分红的股票

82
00:01:52,180 --> 00:01:54,040
出租的房子或者一些小生意

83
00:01:54,040 --> 00:01:54,980
他们从不炫耀

84
00:01:54,980 --> 00:01:55,739
也不焦虑

85
00:01:55,739 --> 00:01:56,700
30年过去

86
00:01:56,700 --> 00:01:58,260
他们的资产自己在增长

87
00:01:58,260 --> 00:01:59,700
而他们早就不用工作了

88
00:01:59,700 --> 00:02:01,180
我认识一位退休教师

89
00:02:01,180 --> 00:02:02,819
50岁时开始买分红股

90
00:02:02,819 --> 00:02:04,659
每年领股息再投回去

91
00:02:04,659 --> 00:02:05,420
20年后

92
00:02:05,420 --> 00:02:07,859
他的被动收入已经超过退休金的三倍

93
00:02:07,859 --> 00:02:08,620
他没报复

94
00:02:08,620 --> 00:02:09,400
但他自由

95
00:02:09,400 --> 00:02:10,580
他可以选择工作

96
00:02:10,580 --> 00:02:11,840
也可以选择不工作

97
00:02:11,840 --> 00:02:13,340
她不必看任何人脸色

98
00:02:13,340 --> 00:02:14,560
不必为账单焦虑

99
00:02:14,560 --> 00:02:15,419
这就是差别

100
00:02:15,419 --> 00:02:16,479
不是谁更聪明

101
00:02:16,479 --> 00:02:17,740
而是谁更早明白

102
00:02:17,740 --> 00:02:18,819
越老越富的秘密

103
00:02:18,819 --> 00:02:19,740
不在于赚的多

104
00:02:19,740 --> 00:02:21,400
而在于让钱自己长大

105
00:02:21,400 --> 00:02:22,800
时间是穷人的敌人

106
00:02:22,800 --> 00:02:23,719
富人的朋友

107
00:02:23,719 --> 00:02:25,520
大多数人不理解时间的力量

108
00:02:25,520 --> 00:02:27,319
因为他们活在当下的焦虑里

109
00:02:27,319 --> 00:02:29,139
年轻时他们觉得时间还多

110
00:02:29,139 --> 00:02:29,979
可以挥霍

111
00:02:29,979 --> 00:02:32,460
中年时他们突然发现时间不够用了

112
00:02:32,460 --> 00:02:33,819
于是开始拼命追赶

113
00:02:33,819 --> 00:02:34,539
到了老年

114
00:02:34,539 --> 00:02:35,460
他们才意识到

115
00:02:35,460 --> 00:02:37,240
时间早就不站在他们这边了

116
00:02:37,240 --> 00:02:39,900
可问题是时间从来不会突然变成敌人

117
00:02:39,900 --> 00:02:41,379
他一直在那里公平的对待

118
00:02:41,379 --> 00:02:43,520
每一个人只是有些人懂得利用他

119
00:02:43,520 --> 00:02:45,360
有些人一辈子都在和他对抗

120
00:02:45,360 --> 00:02:47,039
我年轻时也不懂这个道理

121
00:02:47,039 --> 00:02:49,080
我以为自己可以靠聪明赚快钱

122
00:02:49,080 --> 00:02:50,680
结果被市场教育的很惨

123
00:02:50,680 --> 00:02:51,719
后来我才明白

124
00:02:51,719 --> 00:02:53,180
时间不是用来征服的

125
00:02:53,180 --> 00:02:54,300
而是用来合作的

126
00:02:54,300 --> 00:02:55,819
你看那些越老越富的人

127
00:02:55,819 --> 00:02:57,139
他们都有一个共同点

128
00:02:57,139 --> 00:02:59,479
他们很早就开始让时间为自己工作

129
00:02:59,479 --> 00:03:00,900
他们不急着证明自己

130
00:03:00,900 --> 00:03:02,199
不追逐短期的暴利

131
00:03:02,199 --> 00:03:03,659
不被别人的成功刺激

132
00:03:03,659 --> 00:03:04,960
他们只是安静的积累

133
00:03:04,960 --> 00:03:06,240
让富力慢慢发酵

134
00:03:06,240 --> 00:03:08,460
10年20年30年过去

135
00:03:08,460 --> 00:03:09,900
富丽的力量开始显现

136
00:03:09,900 --> 00:03:12,240
他们的资产像滚雪球一样越滚越大

137
00:03:12,240 --> 00:03:13,659
而那些急着赚快钱的人

138
00:03:13,659 --> 00:03:15,500
还在原地打转甚至倒退

139
00:03:15,500 --> 00:03:16,819
这不是天才的胜利

140
00:03:16,819 --> 00:03:18,000
这是耐心的胜利

141
00:03:18,000 --> 00:03:20,319
我常说富力是世界第八大奇迹

142
00:03:20,319 --> 00:03:21,460
但它有一个前提

143
00:03:21,460 --> 00:03:22,520
你得活得够久

144
00:03:22,520 --> 00:03:24,020
而且不能在中途犯蠢

145
00:03:24,020 --> 00:03:25,500
大多数人做不到这一点

146
00:03:25,500 --> 00:03:26,520
他们要么太急

147
00:03:26,520 --> 00:03:27,340
要么太贪

148
00:03:27,340 --> 00:03:28,259
要么太害怕

149
00:03:28,259 --> 00:03:30,020
他们总想优化每一年的回报

150
00:03:30,020 --> 00:03:31,860
结果反而打断了富丽的节奏

151
00:03:31,860 --> 00:03:34,340
真正聪明的人懂得让时间做脏活

152
00:03:34,340 --> 00:03:35,599
他们不去预测市场

153
00:03:35,599 --> 00:03:36,659
不去追逐风口

154
00:03:36,659 --> 00:03:37,800
不去频繁交易

155
00:03:37,800 --> 00:03:39,120
他们只是买好资产

156
00:03:39,120 --> 00:03:40,280
然后什么都不做

157
00:03:40,280 --> 00:03:41,599
听起来很蠢对吧

158
00:03:41,599 --> 00:03:43,400
可这恰恰是最聪明的策略

159
00:03:43,400 --> 00:03:44,960
因为在市场里动得越多

160
00:03:44,960 --> 00:03:45,740
错的越多

161
00:03:45,740 --> 00:03:47,259
而那些什么都不做的人

162
00:03:47,259 --> 00:03:48,990
反而让时间替他们赚钱

163
00:03:48,990 --> 00:03:51,569
我和巴菲特几十年来的秘密就是这么简单

164
00:03:51,569 --> 00:03:52,629
我们不是天才

165
00:03:52,629 --> 00:03:54,270
我们只是懂得和时间合作

166
00:03:54,270 --> 00:03:56,289
为什么节俭的人老了反而更富

167
00:03:56,289 --> 00:03:58,340
很多人以为节俭是穷人的习惯

168
00:03:58,340 --> 00:03:59,759
富人应该享受生活

169
00:03:59,759 --> 00:04:01,400
这是人类最大的误解之一

170
00:04:01,400 --> 00:04:02,759
我活了快一个世纪

171
00:04:02,759 --> 00:04:05,020
从没见过哪个挥霍的人能守住财富

172
00:04:05,020 --> 00:04:07,379
倒是那些节俭的人往往越老越富

173
00:04:07,379 --> 00:04:08,020
为什么

174
00:04:08,020 --> 00:04:09,340
因为节俭不是省钱

175
00:04:09,340 --> 00:04:11,319
而是克制克制自己的欲望

176
00:04:11,319 --> 00:04:12,460
克制自己的冲动

177
00:04:12,460 --> 00:04:13,599
克制自己被广告

178
00:04:13,599 --> 00:04:14,219
被朋友

179
00:04:14,219 --> 00:04:15,800
被社会牵着走的那颗心

180
00:04:15,800 --> 00:04:18,040
这种克制是财富增长的真正引擎

181
00:04:18,040 --> 00:04:19,959
我年轻时租的房子比后来很多

182
00:04:19,959 --> 00:04:21,220
我手下的员工还破

183
00:04:21,220 --> 00:04:22,360
可能让我睡得香

184
00:04:22,360 --> 00:04:23,920
因为我知道我拥有的不多

185
00:04:23,920 --> 00:04:25,019
但我欠的更少

186
00:04:25,019 --> 00:04:26,300
节俭让我有现金

187
00:04:26,300 --> 00:04:27,779
有现金我就能等等

188
00:04:27,779 --> 00:04:28,500
市场犯错

189
00:04:28,500 --> 00:04:30,839
等别人恐慌等机会掉到我脚边

190
00:04:30,839 --> 00:04:32,439
那些挥霍的人永远在追

191
00:04:32,439 --> 00:04:33,240
他们追不上

192
00:04:33,240 --> 00:04:34,519
因为他们永远缺钱

193
00:04:34,519 --> 00:04:36,139
我见过太多高收入的人

194
00:04:36,139 --> 00:04:37,279
医生律师

195
00:04:37,279 --> 00:04:38,040
银行家

196
00:04:38,040 --> 00:04:39,680
他们每年赚几10万美元

197
00:04:39,680 --> 00:04:41,819
却比那些年薪6万的工人更焦虑

198
00:04:41,819 --> 00:04:42,459
更破产

199
00:04:42,459 --> 00:04:45,459
为什么他们把生活方式当成一种地位竞赛

200
00:04:45,459 --> 00:04:46,699
他们的房子越来越大

201
00:04:46,699 --> 00:04:47,600
车越来越贵

202
00:04:47,600 --> 00:04:48,639
假期越来越远

203
00:04:48,639 --> 00:04:50,079
而账户余额越来越薄

204
00:04:50,079 --> 00:04:50,959
他们不理财

205
00:04:50,959 --> 00:04:51,860
他们在表演

206
00:04:51,860 --> 00:04:52,680
在演成功

207
00:04:52,680 --> 00:04:54,660
可真正的成功不是看起来有钱

208
00:04:54,660 --> 00:04:55,980
而是不必为钱焦虑

209
00:04:55,980 --> 00:04:57,079
我认识一个朋友

210
00:04:57,079 --> 00:04:58,699
退休后去投资养老地产

211
00:04:58,699 --> 00:05:00,180
他说这能让我钱生钱

212
00:05:00,180 --> 00:05:01,879
结果几年后他的钱没了

213
00:05:01,879 --> 00:05:03,079
连房子也卖掉了

214
00:05:03,079 --> 00:05:04,240
不是因为市场坏

215
00:05:04,240 --> 00:05:06,220
而是因为他拒绝承认自己老了

216
00:05:06,220 --> 00:05:06,899
年纪大了

217
00:05:06,899 --> 00:05:08,600
最大的风险是高估自己

218
00:05:08,600 --> 00:05:10,000
节俭的人懂得这一点

219
00:05:10,000 --> 00:05:11,800
他们知道钱不是用来炫耀的

220
00:05:11,800 --> 00:05:13,040
而是用来买自由的

221
00:05:13,040 --> 00:05:14,720
当你不再需要讨好任何人

222
00:05:14,720 --> 00:05:15,939
不再需要证明自己

223
00:05:15,939 --> 00:05:17,319
不再被欲望牵着走

224
00:05:17,319 --> 00:05:18,750
那时候你才真正富有

225
00:05:18,750 --> 00:05:19,189
节俭

226
00:05:19,189 --> 00:05:20,329
不会让你一夜暴富

227
00:05:20,329 --> 00:05:22,129
但他能确保你永远不会到零

228
00:05:22,129 --> 00:05:23,319
而那些挥霍的人

229
00:05:23,319 --> 00:05:25,759
往往在人生最后阶段把一切都输光

230
00:05:25,759 --> 00:05:28,240
我这一生最舒服的时刻不是赚到钱

231
00:05:28,240 --> 00:05:30,040
而是知道自己不欠任何人

232
00:05:30,040 --> 00:05:31,980
那种自由比财富本身还宝贵

233
00:05:31,980 --> 00:05:34,180
大多数人穷不是因为机会太少

234
00:05:34,180 --> 00:05:35,639
而是因为他们不会说不

235
00:05:35,639 --> 00:05:36,939
他们不会拒绝诱惑

236
00:05:36,939 --> 00:05:38,040
不会拒绝冲动

237
00:05:38,040 --> 00:05:39,379
不会拒绝别人的意见

238
00:05:39,379 --> 00:05:41,319
不会拒绝看起来很聪明的机会

239
00:05:41,319 --> 00:05:44,040
结果他们的人生被各种应该做的事情填满

240
00:05:44,040 --> 00:05:45,639
而真正重要的事从未开始

241
00:05:45,639 --> 00:05:48,279
我这一生最大的优势不是我做对了什么

242
00:05:48,279 --> 00:05:49,459
而是我拒绝了多少

243
00:05:49,459 --> 00:05:51,759
我拒绝过无数看起来很赚钱的机会

244
00:05:51,759 --> 00:05:52,660
因为我看不懂

245
00:05:52,660 --> 00:05:54,199
我拒绝过很多人的建议

246
00:05:54,199 --> 00:05:55,740
因为他们的逻辑站不住脚

247
00:05:55,740 --> 00:05:57,160
我拒绝过借钱投资

248
00:05:57,160 --> 00:05:58,100
拒绝过杠杆

249
00:05:58,100 --> 00:05:59,379
拒绝过追逐风口

250
00:05:59,379 --> 00:06:01,379
每一次拒绝都让我少犯一次错

251
00:06:01,379 --> 00:06:03,939
而在市场里少犯错就是最大的胜利

252
00:06:03,939 --> 00:06:05,279
我见过太多聪明人

253
00:06:05,279 --> 00:06:06,939
因为不会拒绝而毁掉一生

254
00:06:06,939 --> 00:06:08,160
有一位企业家朋友

255
00:06:08,160 --> 00:06:10,500
55岁那年被一个投资顾问说服

256
00:06:10,500 --> 00:06:12,699
去买了一堆他根本不懂的金融产品

257
00:06:12,699 --> 00:06:15,259
那个顾问说这是低风险高回报的机会

258
00:06:15,259 --> 00:06:16,100
您这么聪明

259
00:06:16,100 --> 00:06:16,920
一定能理解

260
00:06:16,920 --> 00:06:18,939
结果一年后他的账户少了一半

261
00:06:18,939 --> 00:06:20,959
他说我以为分散风险就安全了

262
00:06:20,959 --> 00:06:21,980
我只回答一句

263
00:06:21,980 --> 00:06:23,360
你分散的不是风险

264
00:06:23,360 --> 00:06:24,079
是无知

265
00:06:24,079 --> 00:06:25,040
越老越富的人

266
00:06:25,040 --> 00:06:28,079
都有一种能力在诱惑面前能够冷静地说不

267
00:06:28,079 --> 00:06:30,220
他们不会因为别人都在买就跟着买

268
00:06:30,220 --> 00:06:32,980
他们不会因为机会看起来很好就放弃判断

269
00:06:32,980 --> 00:06:35,399
他们不会因为害怕错过就盲目行动

270
00:06:35,399 --> 00:06:37,620
他们知道真正的机会不需要你去追

271
00:06:37,620 --> 00:06:39,379
他会在对的时间自己上门

272
00:06:39,379 --> 00:06:41,519
而那些错过的机会往往不是机会

273
00:06:41,519 --> 00:06:42,319
而是陷阱

274
00:06:42,319 --> 00:06:43,019
我常说

275
00:06:43,019 --> 00:06:44,740
投资最难的不是找到机会

276
00:06:44,740 --> 00:06:45,839
而是拒绝诱惑

277
00:06:45,839 --> 00:06:47,160
因为诱惑每天都有

278
00:06:47,160 --> 00:06:49,040
而机会一年可能只有一两次

279
00:06:49,040 --> 00:06:50,220
如果你不会拒绝

280
00:06:50,220 --> 00:06:53,120
你就会把时间和金钱浪费在无意义的动作上

281
00:06:53,120 --> 00:06:53,860
到了老年

282
00:06:53,860 --> 00:06:57,100
你会发现那些你拒绝的东西才是你最大的资产

283
00:06:57,100 --> 00:06:58,759
健康是老年最贵的资产

284
00:06:58,759 --> 00:07:01,160
很多人以为越老越富的秘密在于投资

285
00:07:01,160 --> 00:07:02,000
在于理财

286
00:07:02,000 --> 00:07:03,139
在于聪明的策略

287
00:07:03,139 --> 00:07:04,000
可我告诉你

288
00:07:04,000 --> 00:07:05,379
这些都不是最重要的

289
00:07:05,379 --> 00:07:06,600
最重要的是健康

290
00:07:06,600 --> 00:07:08,319
你可以失去一次投资机会

291
00:07:08,319 --> 00:07:10,100
但你输不起一场健康崩溃

292
00:07:10,100 --> 00:07:12,500
我见过太多人年轻时拼命赚钱

293
00:07:12,500 --> 00:07:13,819
中年时透支身体

294
00:07:13,819 --> 00:07:16,060
老了却把所有积蓄都花在医院里

295
00:07:16,060 --> 00:07:16,980
他们有金表

296
00:07:16,980 --> 00:07:17,660
有基金

297
00:07:17,660 --> 00:07:18,620
有医生名单

298
00:07:18,620 --> 00:07:20,519
却没法自己走到床边晒太阳

299
00:07:20,519 --> 00:07:22,060
他们花一辈子追求效率

300
00:07:22,060 --> 00:07:23,759
却在最后几年花尽积蓄

301
00:07:23,759 --> 00:07:25,019
只为了多活几天

302
00:07:25,019 --> 00:07:25,920
这不叫命运

303
00:07:25,920 --> 00:07:26,680
这叫报应

304
00:07:26,680 --> 00:07:28,000
对侵蚀身体的报应

305
00:07:28,000 --> 00:07:28,680
我常说

306
00:07:28,680 --> 00:07:30,740
健康的回报率比任何资产都高

307
00:07:30,740 --> 00:07:33,779
只是多数人知道账户清零才后悔没投资它

308
00:07:33,779 --> 00:07:34,680
到了60岁

309
00:07:34,680 --> 00:07:36,139
你必须承认一个事实

310
00:07:36,139 --> 00:07:38,920
你的健康账户已经比你的银行账户更重要

311
00:07:38,920 --> 00:07:39,639
可笑的是

312
00:07:39,639 --> 00:07:40,959
许多人仍在省时间

313
00:07:40,959 --> 00:07:41,779
他们说我忙

314
00:07:41,779 --> 00:07:42,720
我没空锻炼

315
00:07:42,720 --> 00:07:44,160
可你若没空照顾身体

316
00:07:44,160 --> 00:07:45,899
迟早会有空躺在病床上

317
00:07:45,899 --> 00:07:47,300
健康的逻辑很简单

318
00:07:47,300 --> 00:07:48,899
每天走路吃少一点

319
00:07:48,899 --> 00:07:49,699
睡早一点

320
00:07:49,699 --> 00:07:50,379
别生气

321
00:07:50,379 --> 00:07:51,040
别嫉妒

322
00:07:51,040 --> 00:07:51,740
别贪婪

323
00:07:51,740 --> 00:07:53,100
但人类的问题在于

324
00:07:53,100 --> 00:07:53,860
简单的是

325
00:07:53,860 --> 00:07:55,220
他们从来不愿坚持

326
00:07:55,220 --> 00:07:56,279
我年轻时不懂

327
00:07:56,279 --> 00:07:58,040
以为聪明可以抵消坏习惯

328
00:07:58,040 --> 00:08:00,420
现在我知道聪明救不了愚蠢的身体

329
00:08:00,420 --> 00:08:02,800
一个不健康的人连理性都维持不了

330
00:08:02,800 --> 00:08:05,480
因为当你疲惫焦虑疼痛喘气

331
00:08:05,480 --> 00:08:07,000
你根本无法冷静思考

332
00:08:07,000 --> 00:08:07,899
你不再理性

333
00:08:07,899 --> 00:08:08,860
你只会恐惧

334
00:08:08,860 --> 00:08:10,240
我和巴菲特常被问

335
00:08:10,240 --> 00:08:11,779
你们怎么保持头脑清醒

336
00:08:11,779 --> 00:08:12,660
其实很无聊

337
00:08:12,660 --> 00:08:13,500
我们睡得早

338
00:08:13,500 --> 00:08:14,120
吃的少

339
00:08:14,120 --> 00:08:14,699
走得多

340
00:08:14,699 --> 00:08:15,579
没什么秘密

341
00:08:15,579 --> 00:08:16,839
只是多数人懒得做

342
00:08:16,839 --> 00:08:18,079
你不需要跑马拉松

343
00:08:18,079 --> 00:08:19,939
你只需要每天让身体动起来

344
00:08:19,939 --> 00:08:21,560
让大脑呼吸干净的空气

345
00:08:21,560 --> 00:08:22,879
健康不是一种行为

346
00:08:22,879 --> 00:08:23,720
是一个态度

347
00:08:23,720 --> 00:08:26,420
我见过太多人在退休后花钱买健康仪器

348
00:08:26,420 --> 00:08:28,420
而真正该做的只是放下手机

349
00:08:28,420 --> 00:08:29,519
走出门去散步

350
00:08:29,519 --> 00:08:30,579
别等医生告诉你

351
00:08:30,579 --> 00:08:31,100
太晚了

352
00:08:31,100 --> 00:08:33,039
你才开始珍惜那双还能走的腿

353
00:08:33,039 --> 00:08:33,960
到了60岁

354
00:08:33,960 --> 00:08:34,798
你该明白

355
00:08:34,798 --> 00:08:36,158
财富不在你账户里

356
00:08:36,158 --> 00:08:37,458
而在你呼吸的平稳

357
00:08:37,458 --> 00:08:40,320
睡眠的安宁和早晨醒来还能不靠药的那一刻

358
00:08:40,320 --> 00:08:42,539
越老越富的人都懂得投资健康

359
00:08:42,539 --> 00:08:43,539
因为没有健康

360
00:08:43,539 --> 00:08:45,039
再多的钱也只是数字

361
00:08:45,039 --> 00:08:46,620
如果你已经超过60岁

362
00:08:46,620 --> 00:08:47,240
请记住

363
00:08:47,240 --> 00:08:49,220
你没时间再去修正别人的愚蠢

364
00:08:49,220 --> 00:08:50,720
我花了几十年才明白

365
00:08:50,720 --> 00:08:53,360
人生中最划算的投资不是找到好机会

366
00:08:53,360 --> 00:08:54,440
而是远离坏人

367
00:08:54,440 --> 00:08:55,100
坏伙伴

368
00:08:55,100 --> 00:08:55,730
坏建议

369
00:08:55,730 --> 00:08:57,129
愚蠢是有传染性的

370
00:08:57,129 --> 00:08:58,289
你跟笨蛋待久了

371
00:08:58,289 --> 00:08:59,470
即使你原本聪明

372
00:08:59,470 --> 00:09:00,840
也会开始说出蠢话

373
00:09:00,840 --> 00:09:02,860
我年轻时以为自己能改变别人

374
00:09:02,860 --> 00:09:03,740
后来我才懂

375
00:09:03,740 --> 00:09:05,340
想让一个愚蠢的人变聪明

376
00:09:05,340 --> 00:09:06,620
就像想教猪唱歌

377
00:09:06,620 --> 00:09:07,639
不仅浪费时间

378
00:09:07,639 --> 00:09:08,740
还惹猪不高兴

379
00:09:08,740 --> 00:09:11,179
所以我学会了远离远离愚蠢的朋友

380
00:09:11,179 --> 00:09:12,360
远离贪婪的生意

381
00:09:12,360 --> 00:09:14,000
远离永远有内幕消息的人

382
00:09:14,000 --> 00:09:16,259
那帮人总说他们知道别人不知道的事

383
00:09:16,259 --> 00:09:17,019
我告诉你

384
00:09:17,019 --> 00:09:19,210
他们唯一知道的就是如何自欺欺人

385
00:09:19,210 --> 00:09:21,590
你60岁以后必须明白一个现实

386
00:09:21,590 --> 00:09:22,629
聪明靠学习

387
00:09:22,629 --> 00:09:23,870
但愚蠢靠坚持

388
00:09:23,870 --> 00:09:25,070
愚蠢的人不会变

389
00:09:25,070 --> 00:09:26,340
他们会变得更顽固

390
00:09:26,340 --> 00:09:27,840
他们宁可继续错下去

391
00:09:27,840 --> 00:09:29,139
也不肯承认自己傻

392
00:09:29,139 --> 00:09:31,679
我在1970年代看过无数这样的故事

393
00:09:31,679 --> 00:09:33,200
有人明明亏得快破产

394
00:09:33,200 --> 00:09:34,259
还在对自己说

395
00:09:34,259 --> 00:09:36,000
市场迟早会证明我是对的

396
00:09:36,000 --> 00:09:37,440
结果呢市场没错

397
00:09:37,440 --> 00:09:38,240
只有他错

398
00:09:38,240 --> 00:09:39,580
他输了钱也输了

399
00:09:39,580 --> 00:09:41,000
理智和这种人交往

400
00:09:41,000 --> 00:09:42,340
你不只是浪费时间

401
00:09:42,340 --> 00:09:44,419
你是在用生命为别人的错误买单

402
00:09:44,419 --> 00:09:45,320
到了60岁

403
00:09:45,320 --> 00:09:47,379
你该把社交圈当成资产负债表

404
00:09:47,379 --> 00:09:48,039
问自己

405
00:09:48,039 --> 00:09:49,440
哪些人让我更清醒

406
00:09:49,440 --> 00:09:51,240
哪些人让我更盲目留下

407
00:09:51,240 --> 00:09:52,580
前者删掉后者

408
00:09:52,580 --> 00:09:53,879
我和巴菲特常说

409
00:09:53,879 --> 00:09:55,159
结交比你聪明的人

410
00:09:55,159 --> 00:09:56,299
你会得到免费教育

411
00:09:56,299 --> 00:09:57,620
但我更想补一句

412
00:09:57,620 --> 00:09:58,860
远离比你愚蠢的人

413
00:09:58,860 --> 00:10:00,279
你会少交很多学费

414
00:10:00,279 --> 00:10:02,419
人老了最大的陷阱不是孤独

415
00:10:02,419 --> 00:10:04,019
而是被错误的人群包围

416
00:10:04,019 --> 00:10:05,000
他们爱吹嘘

417
00:10:05,000 --> 00:10:05,720
爱争论

418
00:10:05,720 --> 00:10:06,379
爱抱怨

419
00:10:06,379 --> 00:10:08,620
而这些习惯会慢慢偷走你的清醒

420
00:10:08,620 --> 00:10:10,340
我认识一个80多岁的朋友

421
00:10:10,340 --> 00:10:11,960
他每天只和三个人见面

422
00:10:11,960 --> 00:10:12,679
一个医生

423
00:10:12,679 --> 00:10:13,820
一个读书的邻居

424
00:10:13,820 --> 00:10:14,700
还有他自己

425
00:10:14,700 --> 00:10:15,700
我问他为什么

426
00:10:15,700 --> 00:10:18,080
他说因为我厌倦了听愚蠢的意见

427
00:10:18,080 --> 00:10:19,100
这句话很冷

428
00:10:19,100 --> 00:10:19,779
但很真

429
00:10:19,779 --> 00:10:20,759
60岁以后

430
00:10:20,759 --> 00:10:22,519
你的时间不该用来针对错

431
00:10:22,519 --> 00:10:23,980
而是用来避开错的人

432
00:10:23,980 --> 00:10:25,259
你不必教育任何人

433
00:10:25,259 --> 00:10:26,500
你只需安静的离开

434
00:10:26,500 --> 00:10:27,720
带着理性和尊严

435
00:10:27,720 --> 00:10:29,279
愚蠢的人教会我一件事

436
00:10:29,279 --> 00:10:31,340
不要和他们待在同一个房间太久

437
00:10:31,340 --> 00:10:34,200
那比任何股票基金黄金都划算

438
00:10:34,200 --> 00:10:35,759
因为理性是会被污染的

439
00:10:35,759 --> 00:10:38,559
保持清醒的最好方式不是多学点新知识

440
00:10:38,559 --> 00:10:39,840
而是少听点蠢话

441
00:10:39,840 --> 00:10:41,840
60岁后的智慧不是赢过别人

442
00:10:41,840 --> 00:10:42,879
而是避开愚人

443
00:10:42,879 --> 00:10:44,179
你不需要更多朋友

444
00:10:44,179 --> 00:10:45,440
你需要更少的麻烦

445
00:10:45,440 --> 00:10:46,340
活到60岁

446
00:10:46,340 --> 00:10:48,340
你会突然明白一个残酷的事实

447
00:10:48,340 --> 00:10:49,879
人生不再是无限游戏

448
00:10:49,879 --> 00:10:51,259
你能做的事越来越少

449
00:10:51,259 --> 00:10:52,820
能拥有的时间越来越短

450
00:10:52,820 --> 00:10:54,720
能重新来的机会几乎为零

451
00:10:54,720 --> 00:10:55,899
但这并不是坏事

452
00:10:55,899 --> 00:10:56,860
这只是现实

453
00:10:56,860 --> 00:10:58,700
而现实从来是智慧的起点

454
00:10:58,700 --> 00:11:01,279
我见过太多人老了还活得像年轻人

455
00:11:01,279 --> 00:11:03,019
他们拒绝成人世间的界限

456
00:11:03,019 --> 00:11:03,879
拒绝放手

457
00:11:03,879 --> 00:11:04,720
拒绝平静

458
00:11:04,720 --> 00:11:06,039
他们把老当成耻辱

459
00:11:06,039 --> 00:11:08,059
却忘了那是所有人都得答的真理

460
00:11:08,059 --> 00:11:09,580
你想看一个人有多愚蠢

461
00:11:09,580 --> 00:11:11,320
就看他在变老是多么慌乱

462
00:11:11,320 --> 00:11:12,940
愚蠢的人试图抓住一切

463
00:11:12,940 --> 00:11:15,019
聪明的人开始放下无用的东西

464
00:11:15,019 --> 00:11:15,899
我活的越久

465
00:11:15,899 --> 00:11:16,820
越尊重有限

466
00:11:16,820 --> 00:11:18,159
因为有限让你清醒

467
00:11:18,159 --> 00:11:19,759
让你知道什么值得珍惜

468
00:11:19,759 --> 00:11:21,000
什么该早点丢掉

469
00:11:21,000 --> 00:11:22,820
人们总以为智慧来自学习

470
00:11:22,820 --> 00:11:24,179
其实更多来自认命

471
00:11:24,179 --> 00:11:25,559
不是那种消极的认命

472
00:11:25,559 --> 00:11:26,740
而是清醒的明白

473
00:11:26,740 --> 00:11:27,960
我不会永远存在

474
00:11:27,960 --> 00:11:29,500
所以我必须活得明白

475
00:11:29,500 --> 00:11:30,860
在我90多岁的时候

476
00:11:30,860 --> 00:11:32,340
每天早上醒来能思考

477
00:11:32,340 --> 00:11:32,980
能走动

478
00:11:32,980 --> 00:11:33,519
能笑

479
00:11:33,519 --> 00:11:35,919
我就觉得那已经是世界上最奢侈的事

480
00:11:35,919 --> 00:11:37,139
我不需要更多的钱

481
00:11:37,139 --> 00:11:38,639
我需要的是清醒的日子

482
00:11:38,639 --> 00:11:39,559
到了这个阶段

483
00:11:39,559 --> 00:11:41,120
你的财富已经不在银行

484
00:11:41,120 --> 00:11:42,440
而在你头脑的清晰

485
00:11:42,440 --> 00:11:43,360
内心的安静

486
00:11:43,360 --> 00:11:45,299
还有你看透愚蠢时的那种微笑

487
00:11:45,299 --> 00:11:47,600
有人问我家里长寿的秘诀是什么

488
00:11:47,600 --> 00:11:49,100
我说活得慢一点

489
00:11:49,100 --> 00:11:50,080
想的明白一点

490
00:11:50,080 --> 00:11:50,940
笑得真一点

491
00:11:50,940 --> 00:11:52,019
这听起来简单

492
00:11:52,019 --> 00:11:54,120
但这正是所有焦虑者做不到的事

493
00:11:54,120 --> 00:11:55,620
人生就像投资组合

494
00:11:55,620 --> 00:11:56,820
年轻时你加仓

495
00:11:56,820 --> 00:11:58,220
老年时你该减仓

496
00:11:58,220 --> 00:11:59,860
减掉不值得的人和事物

497
00:11:59,860 --> 00:12:01,700
留下理性健康和幽默

498
00:12:01,700 --> 00:12:03,779
那才是你晚年最好的资产配置

499
00:12:03,779 --> 00:12:06,279
我这一生最大的幸运不是赚了多少钱

500
00:12:06,279 --> 00:12:07,480
而是活得足够久

501
00:12:07,480 --> 00:12:09,340
看清了人类重复犯蠢的样子

502
00:12:09,340 --> 00:12:10,440
我看透了贪婪

503
00:12:10,440 --> 00:12:12,000
嫉妒恐惧傲慢

504
00:12:12,000 --> 00:12:13,080
也看到了理性

505
00:12:13,080 --> 00:12:14,220
耐心和节制

506
00:12:14,220 --> 00:12:15,919
如何在时间里赢得胜利

507
00:12:15,919 --> 00:12:17,100
如果你超过60岁

508
00:12:17,100 --> 00:12:18,340
请别再追求更多

509
00:12:18,340 --> 00:12:19,620
你该追求的事更少

510
00:12:19,620 --> 00:12:21,320
但更好少一点愚蠢

511
00:12:21,320 --> 00:12:22,259
少一点执念

512
00:12:22,259 --> 00:12:23,240
少一点噪音

513
00:12:23,240 --> 00:12:24,220
多一点清醒

514
00:12:24,220 --> 00:12:26,039
你能平静的接受人生的有限

515
00:12:26,039 --> 00:12:27,279
那就是终极智慧

516
00:12:27,279 --> 00:12:28,220
老去不可怕

517
00:12:28,220 --> 00:12:29,639
愚蠢的老去才可悲

518
00:12:29,639 --> 00:12:30,840
所以别害怕变老

519
00:12:30,840 --> 00:12:32,600
害怕的应该是在该明白的时候

520
00:12:32,600 --> 00:12:33,419
你还在糊涂

521
00:12:33,419 --> 00:12:35,720
我这一生看见繁华也看见崩溃

522
00:12:35,720 --> 00:12:36,799
人们来来去去

523
00:12:36,799 --> 00:12:37,940
财富起起落落

524
00:12:37,940 --> 00:12:40,580
最后我发现时间才是最诚实的裁判

525
00:12:40,580 --> 00:12:42,159
所有聪明的短线操作

526
00:12:42,159 --> 00:12:43,100
华丽的策略

527
00:12:43,100 --> 00:12:44,039
激进的预测

528
00:12:44,039 --> 00:12:45,700
最终都败在一个词前面

529
00:12:45,700 --> 00:12:47,220
即而那些看似慢的人

530
00:12:47,220 --> 00:12:48,419
反而赢得最彻底

531
00:12:48,419 --> 00:12:49,480
他们没追风口

532
00:12:49,480 --> 00:12:50,299
没赌未来

533
00:12:50,299 --> 00:12:51,240
没急着显摆

534
00:12:51,240 --> 00:12:52,360
他们只是日复一日

535
00:12:52,360 --> 00:12:53,080
认真思考

536
00:12:53,080 --> 00:12:53,919
安静行动

537
00:12:53,919 --> 00:12:55,379
让富力和理性做功

538
00:12:55,379 --> 00:12:58,080
人类的最大幻觉就是以为可以加速成熟

539
00:12:58,080 --> 00:12:59,600
可智慧不是下载软件

540
00:12:59,600 --> 00:13:00,559
它要靠时间

541
00:13:00,559 --> 00:13:01,220
靠错误

542
00:13:01,220 --> 00:13:01,919
靠反思

543
00:13:01,919 --> 00:13:03,120
1.1点磨出来

544
00:13:03,120 --> 00:13:03,980
财富也一样

545
00:13:03,980 --> 00:13:05,960
快钱的背后几乎都是慢性灾难

546
00:13:05,960 --> 00:13:07,240
那些一夜暴富的人

547
00:13:07,240 --> 00:13:09,220
往往也能在一夜之间输得精光

548
00:13:09,220 --> 00:13:09,960
漫不性感

549
00:13:09,960 --> 00:13:10,919
可慢能活得久

550
00:13:10,919 --> 00:13:13,039
而在投资世界里活得久就是赢

551
00:13:13,039 --> 00:13:15,159
我在伯克希尔学到的最大教训是

552
00:13:15,159 --> 00:13:17,100
市场回报给的都是耐心的红利

553
00:13:17,100 --> 00:13:18,000
不是情绪的

554
00:13:18,000 --> 00:13:18,779
不是幸运的

555
00:13:18,779 --> 00:13:19,779
而是理性的

556
00:13:19,779 --> 00:13:21,960
我记得2008年金融危机那年

557
00:13:21,960 --> 00:13:23,120
所有人都在恐慌

558
00:13:23,120 --> 00:13:26,279
而我们只是在等等时间重新定价理性结果呢

559
00:13:26,279 --> 00:13:28,240
那些急着逃跑的永远没能回来

560
00:13:28,240 --> 00:13:29,759
那些稳稳拿着好资产的

561
00:13:29,759 --> 00:13:30,919
最终都笑到最后

562
00:13:30,919 --> 00:13:32,299
所谓慢不是懒散

563
00:13:32,299 --> 00:13:33,419
而是有意的克制

564
00:13:33,419 --> 00:13:35,399
是拒绝在别人疯时跟着跳舞

565
00:13:35,399 --> 00:13:37,039
拒绝在别人贪时闭上眼

566
00:13:37,039 --> 00:13:38,299
慢是一种智力

567
00:13:38,299 --> 00:13:40,330
是一种看透短期幻觉后的觉悟

568
00:13:40,330 --> 00:13:41,269
当你足够慢

569
00:13:41,269 --> 00:13:42,350
就能看清方向

570
00:13:42,350 --> 00:13:44,169
当你看清方向就能走得快

571
00:13:44,169 --> 00:13:45,460
那才是真正的速度

572
00:13:45,460 --> 00:13:46,240
我常说

573
00:13:46,240 --> 00:13:48,559
人生最伟大的成就不是赢得多少

574
00:13:48,559 --> 00:13:49,480
而是能不及

575
00:13:49,480 --> 00:13:50,500
慢是一种力量

576
00:13:50,500 --> 00:13:51,600
它让你活得更深

577
00:13:51,600 --> 00:13:52,320
看得更远

578
00:13:52,320 --> 00:13:53,080
输得更少

579
00:13:53,080 --> 00:13:54,100
世界越来越快

580
00:13:54,100 --> 00:13:55,820
而真正的赢家都在变慢

581
00:13:55,820 --> 00:13:56,960
他们慢慢学习

582
00:13:56,960 --> 00:13:57,779
慢慢积累

583
00:13:57,779 --> 00:13:58,620
慢慢变强

584
00:13:58,620 --> 00:14:01,159
然后有一天别人发现他们已经远远领先

585
00:14:01,159 --> 00:14:02,120
这不是奇迹

586
00:14:02,120 --> 00:14:03,299
这是复利的节奏

587
00:14:03,299 --> 00:14:05,519
我一生的哲学可以浓缩成一句话

588
00:14:05,519 --> 00:14:06,379
慢慢致富

589
00:14:06,379 --> 00:14:07,200
永远富有

590
00:14:07,200 --> 00:14:09,539
慢慢富是唯一不会让你失去灵魂的路

591
00:14:09,539 --> 00:14:11,820
而能慢下来的才配得上永远富

592
00:14:11,820 --> 00:14:13,940
记住财富不是奔跑的奖赏

593
00:14:13,940 --> 00:14:15,100
而是耐心的回报

594
00:14:15,100 --> 00:14:16,120
如果你非要快

595
00:14:16,120 --> 00:14:17,879
那就准备好再下个拐角

596
00:14:17,879 --> 00:14:18,639
摔个粉碎

597
00:14:18,639 --> 00:14:19,440
慢就是快

598
00:14:19,440 --> 00:14:20,220
稳就是赢

599
00:14:20,220 --> 00:14:21,320
清醒就是自由

600
00:14:21,320 --> 00:14:22,480
我活了99年

601
00:14:22,480 --> 00:14:23,940
见过太多热闹的人生

602
00:14:23,940 --> 00:14:25,700
也见过太多安静的结局

603
00:14:25,700 --> 00:14:28,379
最后我发现越老越富的人都有一个共同点

604
00:14:28,379 --> 00:14:29,480
他们活得很安静

605
00:14:29,480 --> 00:14:31,159
不是因为他们没有能力热闹

606
00:14:31,159 --> 00:14:33,679
而是因为他们懂得热闹是年轻人的游戏

607
00:14:33,679 --> 00:14:35,360
安静才是老年人的尊严

608
00:14:35,360 --> 00:14:36,919
他们不再需要证明自己

609
00:14:36,919 --> 00:14:38,299
不再需要和别人比较

610
00:14:38,299 --> 00:14:39,980
不再需要追逐下一个机会

611
00:14:39,980 --> 00:14:42,340
他们只是安静地守护自己积累的一切

612
00:14:42,340 --> 00:14:43,620
让时间慢慢发酵

613
00:14:43,620 --> 00:14:44,840
让富丽自己工作

614
00:14:44,840 --> 00:14:46,000
我见过一个朋友

615
00:14:46,000 --> 00:14:46,860
70多岁了

616
00:14:46,860 --> 00:14:49,000
每天的生活简单到让人难以置信

617
00:14:49,000 --> 00:14:49,820
早上散步

618
00:14:49,820 --> 00:14:50,620
上午读书

619
00:14:50,620 --> 00:14:51,480
下午喝茶

620
00:14:51,480 --> 00:14:52,740
晚上和家人聊天

621
00:14:52,740 --> 00:14:55,000
他的投资组合20年没动过股息

622
00:14:55,000 --> 00:14:56,379
每年自动打进账户

623
00:14:56,379 --> 00:14:57,399
他连看都不看

624
00:14:57,399 --> 00:14:58,139
有人问他

625
00:14:58,139 --> 00:14:59,340
你不担心市场吗

626
00:14:59,340 --> 00:15:00,120
她笑着说

627
00:15:00,120 --> 00:15:01,059
我担心过了

628
00:15:01,059 --> 00:15:02,299
在我40岁的时候

629
00:15:02,299 --> 00:15:04,539
现在我只担心今天的太阳够不够暖

630
00:15:04,539 --> 00:15:06,100
这就是越老越富的境界

631
00:15:06,100 --> 00:15:07,519
不是钱多到可以挥霍

632
00:15:07,519 --> 00:15:09,899
而是心安到可以不在乎他们的财富

633
00:15:09,899 --> 00:15:10,580
不在银行

634
00:15:10,580 --> 00:15:11,860
而在他们的平静里

635
00:15:11,860 --> 00:15:13,860
我这一生见过太多有钱的穷人

636
00:15:13,860 --> 00:15:15,240
他们账户里有几百万

637
00:15:15,240 --> 00:15:16,360
却活得像囚犯

638
00:15:16,360 --> 00:15:17,480
每天焦虑股价

639
00:15:17,480 --> 00:15:18,320
害怕衰退

640
00:15:18,320 --> 00:15:19,899
担心别人比自己更富

641
00:15:19,899 --> 00:15:21,259
他们的财富不是自由

642
00:15:21,259 --> 00:15:22,100
而是牢笼

643
00:15:22,100 --> 00:15:23,559
而那些真正富有的人

644
00:15:23,559 --> 00:15:25,399
他们的生活看起来平淡无奇

645
00:15:25,399 --> 00:15:26,220
没有豪车

646
00:15:26,220 --> 00:15:26,980
没有名表

647
00:15:26,980 --> 00:15:27,720
没有炫耀

648
00:15:27,720 --> 00:15:29,419
却有一种让人羡慕的从容

649
00:15:29,419 --> 00:15:30,679
因为他们早就明白

650
00:15:30,679 --> 00:15:32,139
财富的意义不在数量

651
00:15:32,139 --> 00:15:33,960
而在你能否主宰自己的人生

652
00:15:33,960 --> 00:15:35,000
别再追逐刺激

653
00:15:35,000 --> 00:15:36,379
那是年轻人的幻觉

654
00:15:36,379 --> 00:15:37,320
追求自由吧

655
00:15:37,320 --> 00:15:38,700
那才是老年人的尊严

656
00:15:38,700 --> 00:15:39,940
我常对年轻人说

657
00:15:39,940 --> 00:15:41,299
你们现在追逐的一切

658
00:15:41,299 --> 00:15:43,240
都是为了将来可以安静地活着

659
00:15:43,240 --> 00:15:44,720
如果你现在不懂这句话

660
00:15:44,720 --> 00:15:45,419
没关系

661
00:15:45,419 --> 00:15:46,399
时间会教你

662
00:15:46,399 --> 00:15:47,559
等你到了60岁

663
00:15:47,559 --> 00:15:48,179
70岁

664
00:15:48,179 --> 00:15:48,820
80岁

665
00:15:48,820 --> 00:15:49,820
你会突然明白

666
00:15:49,820 --> 00:15:50,840
安静不是无聊

667
00:15:50,840 --> 00:15:51,960
而是一种奢侈

668
00:15:51,960 --> 00:15:54,039
那是你终于可以不被欲望牵着走

669
00:15:54,039 --> 00:15:55,120
不被恐惧操控

670
00:15:55,120 --> 00:15:57,019
不被别人的眼光绑架的时刻

671
00:15:57,019 --> 00:15:58,759
那一刻你才真正富有

672
00:15:58,759 --> 00:16:00,000
我活了99年

673
00:16:00,000 --> 00:16:01,639
看过太多人的人生结局

674
00:16:01,639 --> 00:16:02,740
有的人老得优雅

675
00:16:02,740 --> 00:16:03,899
有的人老的荒唐

676
00:16:03,899 --> 00:16:05,120
区别不在钱多少

677
00:16:05,120 --> 00:16:07,139
而在他们有没有学会核实该停

678
00:16:07,139 --> 00:16:08,100
到了60岁

679
00:16:08,100 --> 00:16:09,519
你不再需要证明什么

680
00:16:09,519 --> 00:16:10,679
你不必比邻居富

681
00:16:10,679 --> 00:16:11,899
不必比年轻人快

682
00:16:11,899 --> 00:16:13,620
也不必再和市场斗智斗勇

683
00:16:13,620 --> 00:16:15,000
你只需要三样东西

684
00:16:15,000 --> 00:16:16,179
理性节制

685
00:16:16,179 --> 00:16:17,220
平静理性

686
00:16:17,220 --> 00:16:18,019
让你不被骗

687
00:16:18,019 --> 00:16:18,379
节制

688
00:16:18,379 --> 00:16:19,500
让你不贪平静

689
00:16:19,500 --> 00:16:20,159
让你不乱

690
00:16:20,159 --> 00:16:22,399
这三样东西比任何股票都值钱

691
00:16:22,399 --> 00:16:24,899
人们总想知道我在这个年纪还投资什么

692
00:16:24,899 --> 00:16:26,279
其实更重要的问题是

693
00:16:26,279 --> 00:16:27,279
我不投资什么

694
00:16:27,279 --> 00:16:28,200
我不碰杠杆

695
00:16:28,200 --> 00:16:29,440
不碰我不懂的东西

696
00:16:29,440 --> 00:16:31,440
不碰那些靠故事支撑的梦想

697
00:16:31,440 --> 00:16:32,519
我宁愿转得慢

698
00:16:32,519 --> 00:16:33,519
也不要死得快

699
00:16:33,519 --> 00:16:35,019
我年轻时拼命赚钱

700
00:16:35,019 --> 00:16:36,399
老了只想少犯错

701
00:16:36,399 --> 00:16:37,080
人越老

702
00:16:37,080 --> 00:16:38,240
错误的代价越大

703
00:16:38,240 --> 00:16:39,000
60岁后

704
00:16:39,000 --> 00:16:40,879
每一次愚蠢都可能是致命的

705
00:16:40,879 --> 00:16:43,360
所以你该做的不是追求更高的回报

706
00:16:43,360 --> 00:16:45,840
而是尽可能延长你活在游戏里的时间

707
00:16:45,840 --> 00:16:48,360
复利的力量只属于那些能活得久的人

708
00:16:48,360 --> 00:16:49,220
这不是比喻

709
00:16:49,220 --> 00:16:50,259
这是物理定律

710
00:16:50,259 --> 00:16:51,259
你想让钱工作

711
00:16:51,259 --> 00:16:52,580
就别让自己先倒下

712
00:16:52,580 --> 00:16:54,179
我见过太多人老来输光

713
00:16:54,179 --> 00:16:55,480
不是因为市场变坏

714
00:16:55,480 --> 00:16:57,320
而是因为他们忘了自己的年龄

715
00:16:57,320 --> 00:16:59,159
他们还在追逐年轻时的节奏

716
00:16:59,159 --> 00:17:00,220
还在证明我行

717
00:17:00,220 --> 00:17:02,600
可人生的后半场不是比谁冲的猛

718
00:17:02,600 --> 00:17:03,659
是看谁跌的少

719
00:17:03,659 --> 00:17:06,200
如果你能在60岁以后做到以下几件事

720
00:17:06,200 --> 00:17:07,579
你就比九成人聪明

721
00:17:07,579 --> 00:17:08,420
一不借钱

722
00:17:08,420 --> 00:17:09,259
二不追高

723
00:17:09,259 --> 00:17:10,119
三不贪快

724
00:17:10,119 --> 00:17:11,079
四不信专家

725
00:17:11,079 --> 00:17:12,359
五不再和别人比较

726
00:17:12,359 --> 00:17:13,279
听起来无趣

727
00:17:13,279 --> 00:17:15,279
当然但正因为无聊才安全

728
00:17:15,279 --> 00:17:16,640
正因为安全才长久

729
00:17:16,640 --> 00:17:18,519
我这一生的秘诀从来不复杂

730
00:17:18,519 --> 00:17:19,259
少犯错

731
00:17:19,259 --> 00:17:20,460
别急活得久

732
00:17:20,460 --> 00:17:22,039
世界的游戏规则没变过

733
00:17:22,039 --> 00:17:22,920
变的只是人

734
00:17:22,920 --> 00:17:24,019
他们越来越焦虑

735
00:17:24,019 --> 00:17:24,960
越来越愚蠢

736
00:17:24,960 --> 00:17:25,779
越来越贪

737
00:17:25,779 --> 00:17:28,059
如果你能在60岁后反其道而行

738
00:17:28,059 --> 00:17:28,759
你就赢了

739
00:17:28,759 --> 00:17:30,319
我不在乎你买哪只股票

740
00:17:30,319 --> 00:17:31,799
也不在乎你用什么策略

741
00:17:31,799 --> 00:17:34,339
我只在乎你能不能在市场和生活的波动里

742
00:17:34,339 --> 00:17:35,019
保住理性

743
00:17:35,019 --> 00:17:36,779
因为理性是最稀缺的资产

744
00:17:36,779 --> 00:17:38,480
也是唯一不会贬值的资产

745
00:17:38,480 --> 00:17:39,460
到了这个年纪

746
00:17:39,460 --> 00:17:41,059
你真正的财富不在银行

747
00:17:41,059 --> 00:17:42,099
而在你的心态

748
00:17:42,099 --> 00:17:43,079
能看透诱惑

749
00:17:43,079 --> 00:17:44,200
不被恐惧操纵

750
00:17:44,200 --> 00:17:45,339
能安心喝杯茶

751
00:17:45,339 --> 00:17:46,039
看看书

752
00:17:46,039 --> 00:17:46,720
陪家人

753
00:17:46,720 --> 00:17:48,579
那比任何年化收益都够人

754
00:17:48,579 --> 00:17:50,559
这一生前半段是积累金钱

755
00:17:50,559 --> 00:17:51,980
后半段是守住理智

756
00:17:51,980 --> 00:17:54,079
所以我给60岁以后的你一句忠告

757
00:17:54,079 --> 00:17:55,339
别想着再去赢什么

758
00:17:55,339 --> 00:17:56,240
只要你不输

759
00:17:56,240 --> 00:17:57,759
复利和时间会替你赢

760
00:17:57,759 --> 00:17:59,359
而如果你非要找点刺激

761
00:17:59,359 --> 00:18:00,440
那就去下棋散步

762
00:18:00,440 --> 00:18:01,079
看夕阳

763
00:18:01,079 --> 00:18:02,259
别再跟市场玩命

764
00:18:02,259 --> 00:18:05,039
因为到头来人生最大的收益是活得庆幸

765
00:18:05,039 --> 00:18:06,200
越老越富的秘密

766
00:18:06,200 --> 00:18:07,259
没人愿意告诉你

767
00:18:07,259 --> 00:18:08,400
因为它太简单

768
00:18:08,400 --> 00:18:09,700
简单到让人不相信

769
00:18:09,700 --> 00:18:10,660
那就是慢一点

770
00:18:10,660 --> 00:18:11,579
想清楚一点

771
00:18:11,579 --> 00:18:12,319
活久一点

772
00:18:12,319 --> 00:18:13,720
如果你能做到这三点

773
00:18:13,720 --> 00:18:14,799
时间会给你答案

774
00:18:14,799 --> 00:18:16,359
而那个答案叫做自由

共 12 条，按点赞数排序。

共 19 条，按视频时间排序。