人民币升值，东大物价低，普通人赢麻了？

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最近人民币升值

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很多人又开始狂欢了

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有人说人民币变强了

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中国人的购买力提升了

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中国赢妈了

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听起来很爽

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但问题是

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普通中国人真的赢麻了吗

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很遗憾

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根本没有

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你要先搞清楚一件事

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国际购买力不等于国内购买力

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汇率上的人民币变强

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不等于你口袋里的人民币变多

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国家层面的购买力提升

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也不等于普通人的生活质量提升

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人民币升值最直接的好处是换美元

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换欧元

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换日元时能换到更多外币

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也就是说买进口商品

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出国旅游

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海外留学

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海外投资理论上更便宜

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但普通人真正消费的东西

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大部分不是美国超市里的牛排

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不是欧洲商场里的奢侈品

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也不是日本酒店和机票

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你吃的外卖

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买的蔬菜

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租的房子

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看的病主要还是国内劳动和国内资产定价

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所以人民币升值

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对普通人的影响远没有很多人想象的那么大

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如果工资没涨

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房租没降

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工作压力没小孩子教育成本没少

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那他更多只是新闻里的胜利

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不是你生活里的胜利

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很多人说中国吃饭便宜

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外卖便宜

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快递便宜

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制造便宜

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所以中国人的购买力很强

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这句话只说对了一半

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中国很多东西便宜

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未必说明普通人购买力强

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更可能说明普通人的劳动太便宜

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外卖便宜是因为骑手的时间便宜

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快递便宜是因为快递员的体力便宜

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蔬菜便宜是因为农民的劳动便宜

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餐馆便宜是因为厨师服务员洗碗工的劳动便宜

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你以为你享受了低物价

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但你有没有想过

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你自己也可能是这个低物价体系里的成本

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你作为消费者的时候

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希望别人便宜

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你作为劳动者的时候

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别人也希望你便宜

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中国的低物价不是普通人赢麻了

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而是普通人互相成为低价体系里的燃料

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你今天享受了别人的低工资

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明天别人也会享受你的低工资

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顶层人当然赢妈了

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因为他们享受低人力成本低

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服务成本低

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制造成本低

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生活成本

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他们用资产赚来的钱购买普通人的劳动

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而且买的很便宜

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但视频前的

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你大概率不是那个购买大量劳动的人

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你大概率就是那个被别人低价购买劳动的人

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这就是区别

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更扎心的是

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中国很多基础服务便宜

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但真正有技术

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有品牌

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有专利

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有全球利润分配权的东西并不便宜

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比如高端手机

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芯片

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软件品牌消费品

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普通人买高端商品

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真正看的不是月收入

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而是扣掉房租吃饭

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交通家庭支出之后还能剩下多少结余

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一台五六千甚至七八千的手机

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对很多人来说

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可能意味着几个月结余被一次性掏空

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为什么外卖便宜

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手机贵

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为什么宝洁便宜软件贵

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为什么农产品便宜

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品牌消费品贵

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因为普通人的劳动在全球价值链里不值钱

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真正值钱的是品牌系统

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芯片设计软件

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生态专利和供应链控制权

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普通人的问题不是不能给商品定价

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而是自己的劳动被别人低价定价

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你买高端商品的时候

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面对的是全球品牌和技术壁垒

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你卖自己劳动的时候

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面对的是岗位竞争

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年龄焦虑

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裁员压力和公司成本控制

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一边是高价商品

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一边是低价劳动

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这中间的差距就是普通人最真实的贫穷感来源

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再看外貌

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很多外贸企业试用美元收款

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用人民币发工资

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付房租

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付水电复原材料

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付社保

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人民币升值后

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同样一笔美元收入换回来的人民币可能变少

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这少掉的利润从哪里来

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老板会主动少赚钱吗

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外商会主动涨价吗

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消费者会主动多付钱吗

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大概率不会

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最后压力往往会往产业链最弱的地方传导

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谁最弱

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普通工人

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于是工厂可能会压工资

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减奖金降

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加班费减少

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招聘

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提高劳动强度

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甚至把订单转移到成本更低的地方

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有技术壁垒

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有品牌

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有高附加值的企业可以涨价

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可以转嫁成本

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可以靠利润率消化压力

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但没有护城河

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只能靠低价走量的企业就很难

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他们的优势往往只有便宜

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交货快

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能吃苦

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利润薄

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这就是为什么人民币升值对一些普通人来说

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不是胜利

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而是压力

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进口可能便宜一点

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但你的岗位工资奖金和加班费可能更脆弱

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电视上的专家说

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赢妈了

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他们可能真的赢麻了

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因为他们有稳定收入

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有体面身份

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有资源

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有房产

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有金融资产

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有跨境配置能力

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他们可以买进口商品

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可以出国旅行

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可以送孩子留学

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可以配置海外资产

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可以享受低价服务

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也可以用资产收益购买普通人的劳动

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所以他们当然觉得赢妈了

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但视频前的你大概率没有赢马

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你可能只是工资没涨

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房租照付

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房贷照还

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工作更卷

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消费更谨慎

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老板更抠

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行业更难

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如果你没有资产

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没有跨境消费能力

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没有海外配置能力

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没有稳定的高收入现金流

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那么这种宏大的胜利感和你关系并不大

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嗯普通人最容易陷入一种心理陷阱

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只要国家层面的叙事赢了

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就觉得自己也赢了

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人民币升值了

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我赢了

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出口增长了

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我赢了

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国际地位提高了

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我赢了

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可是冷静想一想

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你的工资涨了吗

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你的存款变多了吗

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你的工作更稳定了吗

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你的资产负债表变好了吗

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你的现金流更健康了吗

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你的选择权变多了吗

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如果这些都没有

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那你赢的是情绪

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不是生活

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你赢的是口号

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不是资产

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你赢的是短视频里的爽感

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不是银行卡里的余额

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不要沉迷宏大叙事带来的廉价快乐

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他不需要你学习

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不需要你反思

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不需要你记账

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不需要你投资

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只需要你带入一个大叙事

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就能瞬间获得一种我也赢了的感觉

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但这种感觉很危险

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因为他会让普通人停止追问

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为什么我这么努力还是没有安全感

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为什么低物价背后是我的低工资

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为什么别人享受资产红利

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我只能承受劳动压力

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人民币升值

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真正舒服的是不靠出卖劳动力赚钱的人

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经常出国消费的人

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孩子在海外留学的人

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大量购买进口商品的人

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有资产配置能力的人

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掌握股权

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房产企业和金融资产的人

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工资收入有一个巨大缺陷

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他只能卖一次

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你今天工作八小时

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就拿今天八小时的钱

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你明天不工作

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收入就停止

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但资产不一样

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股票可以分红

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基金可以增值

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房产可以收租公司

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股权可以分享利润

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优质企业可以把全球消费者的钱

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变成股东的回报

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普通人真正要学的不是跟着汇率新闻狂欢

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更不是沉迷我们赢妈了的廉价爽感

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而是想办法从劳动力慢慢变成资产拥有者

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00:08:26,488 --> 00:08:28,369
这不是让你一夜暴富

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也不是让你赌博炒币

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追妖股加杠杆

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而是从最基础的财务认知开始

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建立现金流

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控制消费欲望

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积累本金

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学习资产配置

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理解风险

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你要从我给别人打工

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慢慢变成我的钱

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也在给我打工

249
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你要从我靠加班赚钱

250
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慢慢变成我拥有一部分

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能产生现金流和增长的资产

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所以不要替别人赢

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电视上的专家说赢妈了

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他们可能真的赢麻了

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但你要先看看自己的工资条

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存款负债资产

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再看看自己还有多少时间可以不被别人买走

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真正的赢不是汇率涨了

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真正的赢是你拥有资产

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拥有现金流

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拥有选择权

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不在北工资老板房租

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物价和汇率牵着走

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普通人最该警惕的不是人民币升值还是贬值

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而是自己明明没赢

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却沉迷于别人

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赢了以后带来的廉价快乐

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先让自己的资产负债表变好

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先让自己的现金流变稳

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先让自己的时间慢慢变贵

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本文仅为宏观经济

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个人财务认知和长期投资理念讨论

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不构成任何投资建议

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证券推荐买卖建议或收益承诺

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投资有风险

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历史表现不代表未来结果

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请根据个人情况独立判断

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如果这期内容对你有启发

279
00:10:00,049 --> 00:10:03,299
请投币点赞关注这个账号

280
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会继续用普通人能听懂的话

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拆解宏观叙事背后的财富真相

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帮你从劳动力慢慢变成资产拥有者

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