巴菲特《滚雪球》：普通人财富自由指南！投资必读书籍《滚雪球》精读

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你信吗

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有个人每分钟赚2万美元

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一天进账3000万

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结果他说我是个失败者

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别急着划走

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这不是段子

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是91岁的巴菲特亲口说的

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原因就一个

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他嫌自己赚钱太慢

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你可能会笑

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身家1000多亿的人还嫌慢

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但听完他的逻辑

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我沉默了

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她从六岁就开始琢磨怎么让钱生钱

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11岁买第一只股票

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到今天投了整整80年

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你猜怎么着

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他99%的财富

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都是50岁以后才赚到的

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对你没听错

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99%

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50岁以后

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这就解释了

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为什么她总说后悔买晚了

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因为他太清楚一件事

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时间才是这世上最值钱的杠杆

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今天这本滚雪球

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就把巴菲特这套让时间替你打工的底层逻辑

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讲透了

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不夸张的说

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听完你可能会重新理解什么才叫真正的赚钱

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点赞收藏

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我慢慢讲给你听

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咱们先回到巴菲特八岁的时候

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一般八岁的孩子在干嘛

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要零花钱

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打游戏

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跟小伙伴疯跑

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但巴菲特已经在爷爷的杂货店里上班了

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不是打杂

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是观察他发现一个现象

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可口可乐都是六瓶一箱卖

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可很多邻居只想买一两瓶

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于是这小子干了一件什么事

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他自己花25美分买一箱

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然后拆开一瓶卖五美分

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一箱六瓶全卖出去能收30美分

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减去25美分

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成本净赚五美分

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你觉得五美分很少

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对不对

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但你知道这背后藏着什么吗

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那是巴菲特整个投资帝国的雏形

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发现需求

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找到低成本货源

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拆零售卖赚取差价

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这叫什么

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钱生钱的第一个闭环

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更关键的是

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他悟出了一个成年人都不一定懂的道理

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钱是可以工作的

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你人不动

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钱在动

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你今天花掉的每一分钱其实都杀死了他

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未来能生出的子孙

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是不是有点扎心

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别急

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后面还有更扎心的

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11岁

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巴菲特用攒了好久的120美元

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买了人生第一支股票

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三股每股38美元

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结果买完就跌到27美元

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什么心情换你

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你可能就割肉跑了

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但他扛住了

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后来股价涨到40美元

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他赶紧卖掉

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赚了五美元

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你觉得他做对了吗

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表面看赚了五块没亏

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但那只股票后来涨到了200美元

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如果他不卖

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能赚500多美元

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当时他才11岁

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这笔钱够他做多少事

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这个教训他记了一辈子

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好公司

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不要因为短期波动就卖掉

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很多人炒股亏钱不是选错了

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公司是拿不住

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涨了怕跌

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跌了怕亏

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永远在追涨杀跌

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巴菲特后来有句名言

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我最喜欢的持股时间是永远

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这话听着极端

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但意思很明确

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你要找那些值得你拿一辈子的东西

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那什么东西值得拿一辈子

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下面这个比喻你一定要记住

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巴菲特最爱用的一个词叫护城河

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什么意思

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古时候城堡周围都有一条河

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敌人供不进来

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好公司也一样

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要有别人打不进来的竞争优势

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举个例子

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1988年

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巴菲特开始买可口可乐

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当时很多人说可乐都卖遍全球了

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还有什么增长

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但巴菲特看到的是品牌

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全世界几乎每个人都知道可口可乐

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你换个牌子试试

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消费者不买账

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这就是护城河

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时间越长越宽越深

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他拿了30多年

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回报超过20倍

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每年光分红就好几亿美元

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你可能说我又买不起可口可乐的股票

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没关系

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护城河不止在股市里

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你想想你身边有没有这样的人

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技术特别牛

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别人搞不定的问题

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他都能搞定

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人品特别好

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大家都信任他

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手里有稀缺资源

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别人拿不到

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这些都是护城河

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普通人要想赚钱

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第一件事不是找项目

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而是问自己

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我的护城河是什么

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如果没有

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就赶紧挖

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否则你赚的每一分钱随时可能被更便宜

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更年轻

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更聪明的人抢走

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还有一个关键指标定价权

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什么叫定价权

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就是你的东西涨价了

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客户还是非买不可

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比如你楼下那家早餐店包子账五毛

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你可能就去别家了

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这叫没有定价权

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但有些东西涨价了

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你还抢着买

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巴菲特投资的cs糖果

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在加州就是情人节送礼标配

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每年涨价销量还涨

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这就是护城河带来的定价权

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你的人生里有没有什么事

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只有你能做别人替代不了的

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如果没有

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那你就得小心了

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你正在变成可被替换的商品

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巴菲特说过一句话

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时间是优秀企业的朋友

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是平庸企业的敌人

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为什么时间这么重要

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因为复利我给你算一笔账

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你感受一下

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假设你有1万块钱

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每年赚20%

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这差不多是巴菲特的长期平均收益

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10年后是多少

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不是3万

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是6.2万

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20年后38.3万

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30年后237万

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40年后1469万

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看到没

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前面10年你的钱只翻了六倍

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但后面10年从38万到237万

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翻了六倍还多

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复利的可怕之处在于

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他越往后越猛

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巴菲特99%的财富

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是50岁以后赚到的

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就是这个原因

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不是他50岁突然变聪明了

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而是他的雪球滚了足够久

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但富丽有一个致命的敌人打断你

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中途把钱取出来

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花掉或者亏掉了

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雪球就停了

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很多人不是没机会

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是等不及

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他们想的是我要3年翻十倍

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5年财务自由

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结果呢频繁操作手续费

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交了一堆本金

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还亏了

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普通人能从复利中学到什么

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不光是钱

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你学的每一个技能

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读的每一本书

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认识的每一个靠谱的人

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都会像复利一样累积

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你今天学一个excel小技巧可能没啥用

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但一年学50个

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你的工作效率可能翻三倍

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你今天健身一天看不出变化

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但坚持3年

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你的身体状态跟同龄人完全不是一个物种

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富利不挑本金

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他挑的是你愿不愿意持续

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2008年金融危机

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全世界都在抛股票

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新闻里天天播百年一遇的危机

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你手里有股票

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你慌不慌

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大多数人慌得要死

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割肉离场

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巴菲特在干什么

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他在买

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他给纽约时报写了一篇文章

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标题就叫买美国

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他说现在股价便宜的像白菜

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当时很多人觉得他疯了

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结果呢从2009年开始

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美股走出了长达10年的牛市

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他在危机里买的所有东西都翻了数倍

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你可能会说人家有钱可以扛

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我没钱我扛不住

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但我想说的是另一件事

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巴菲特不是胆子大

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他是提前准备好了

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他手里常年留着大量现金

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就等着这种时刻

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普通人是怎么做的

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平时满仓跌了没钱补

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只能干瞪眼

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所以别人恐惧我贪婪的前提是你得有子弹

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那普通人怎么办

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很简单

241
00:05:46,500 --> 00:05:48,680
别把所有钱都扔进高风险的地方

242
00:05:48,680 --> 00:05:49,779
留一部分现金

243
00:05:49,779 --> 00:05:51,639
留一部分能随时动用的存款

244
00:05:51,639 --> 00:05:53,379
当所有人都在恐慌的时候

245
00:05:53,379 --> 00:05:54,540
你才有资格冷静

246
00:05:54,540 --> 00:05:55,839
还有一个更重要的点

247
00:05:56,639 --> 00:05:58,339
巴菲特从不看别人买什么

248
00:05:58,339 --> 00:05:59,180
他就买什么

249
00:05:59,180 --> 00:06:00,800
2000年互联网泡沫

250
00:06:00,800 --> 00:06:02,199
所有人都在买科技股

251
00:06:02,199 --> 00:06:03,079
还一分没买

252
00:06:03,079 --> 00:06:04,759
很多人嘲笑他跟不上时代

253
00:06:04,759 --> 00:06:05,800
结果泡沫一破

254
00:06:05,800 --> 00:06:07,620
那些股票跌了90%

255
00:06:07,620 --> 00:06:09,399
巴菲特的组合基本没受伤

256
00:06:09,399 --> 00:06:11,019
不跟风真的能保命

257
00:06:11,019 --> 00:06:12,540
很多人把股票当彩票

258
00:06:12,540 --> 00:06:13,199
今天买

259
00:06:13,199 --> 00:06:14,240
明天涨了就卖

260
00:06:14,240 --> 00:06:15,199
巴菲特怎么看

261
00:06:15,199 --> 00:06:17,259
他说买股票就是买公司的一部分

262
00:06:17,259 --> 00:06:18,600
你买一家公司的股票

263
00:06:18,600 --> 00:06:20,060
就等于你成了他的股东

264
00:06:20,060 --> 00:06:22,079
你要关心的不是股价明天涨不涨

265
00:06:22,079 --> 00:06:24,819
而是这家公司10年后还在不在赚不赚钱

266
00:06:24,819 --> 00:06:27,600
这个理念来自他的老师本杰明格雷厄姆

267
00:06:27,600 --> 00:06:28,939
格雷厄姆告诉巴菲特

268
00:06:28,939 --> 00:06:30,139
股票不是一张纸

269
00:06:30,139 --> 00:06:31,660
是实实在在的所有权

270
00:06:31,660 --> 00:06:34,319
所以巴菲特选股票跟你想的完全不一样

271
00:06:34,319 --> 00:06:35,420
他看四个东西

272
00:06:35,420 --> 00:06:36,959
EOO净资产收益率

273
00:06:36,959 --> 00:06:38,600
公司用你的钱能赚多少

274
00:06:38,600 --> 00:06:42,230
他喜欢长期保持在15%以上的二负债率

275
00:06:42,230 --> 00:06:43,490
借钱太多的公司

276
00:06:43,490 --> 00:06:44,470
他碰都不碰

277
00:06:44,470 --> 00:06:46,569
只有退潮了才知道谁在裸泳

278
00:06:46,569 --> 00:06:47,959
三自由现金流

279
00:06:47,959 --> 00:06:49,800
公司能不能自己产生现金

280
00:06:49,800 --> 00:06:50,500
光有利润

281
00:06:50,500 --> 00:06:52,160
没现金是纸面富贵

282
00:06:52,160 --> 00:06:54,060
四管理层人品不行

283
00:06:54,060 --> 00:06:55,480
再好的行业他也不投

284
00:06:55,480 --> 00:06:56,860
这些听起来很专业

285
00:06:56,860 --> 00:06:58,139
但换成普通人的语言

286
00:06:58,139 --> 00:06:59,399
就是你找工作

287
00:06:59,399 --> 00:07:01,680
要看这家公司能不能让你持续增值

288
00:07:01,680 --> 00:07:02,699
你借钱给别人

289
00:07:02,699 --> 00:07:05,100
要看他有没有能力还你自己做生意

290
00:07:05,100 --> 00:07:06,860
要看每个月到手多少现金

291
00:07:06,860 --> 00:07:09,220
你跟人合伙要看对方讲不讲信用

292
00:07:09,220 --> 00:07:10,579
巴菲特的投资原则

293
00:07:10,579 --> 00:07:12,600
其实就是做人做事的底层逻辑

294
00:07:12,600 --> 00:07:14,759
你可能听过巴菲特现在还住在他

295
00:07:14,759 --> 00:07:17,199
1958年花3万多美元买的房子里

296
00:07:17,199 --> 00:07:17,959
车是二手的

297
00:07:17,959 --> 00:07:18,660
凯迪拉克

298
00:07:18,660 --> 00:07:20,459
早餐是麦当劳配可乐

299
00:07:20,459 --> 00:07:21,660
很多人说他抠门

300
00:07:21,660 --> 00:07:23,060
但你看他怎么花钱的

301
00:07:23,060 --> 00:07:24,420
每年花几百万美元

302
00:07:24,420 --> 00:07:25,680
请最好的基金经理

303
00:07:25,680 --> 00:07:27,639
不花几千万买私人飞机

304
00:07:27,639 --> 00:07:28,300
她买了

305
00:07:28,300 --> 00:07:29,480
但取名无可辩解

306
00:07:29,480 --> 00:07:31,699
号意思是我实在找不到理由买它

307
00:07:31,699 --> 00:07:32,759
给子女留遗产

308
00:07:32,759 --> 00:07:34,500
每个孩子只留几千万美元

309
00:07:34,500 --> 00:07:35,759
剩下的全部捐掉

310
00:07:35,759 --> 00:07:37,019
他不是舍不得花钱

311
00:07:37,019 --> 00:07:39,439
他是把花掉的每一分钱都当作失去了

312
00:07:39,439 --> 00:07:40,660
让他生钱的机会

313
00:07:40,660 --> 00:07:41,740
在巴菲特眼里

314
00:07:41,740 --> 00:07:44,399
今天的一块钱可能是30年后的100块

315
00:07:44,399 --> 00:07:46,300
你花掉他就等于杀死了他

316
00:07:46,300 --> 00:07:47,980
未来能生出的99块钱

317
00:07:47,980 --> 00:07:50,139
当然我们普通人不用这么极端

318
00:07:50,139 --> 00:07:51,660
但有一个观念可以借用

319
00:07:51,660 --> 00:07:53,319
把钱花在能增值的地方

320
00:07:53,319 --> 00:07:54,500
而不是消耗品上

321
00:07:54,500 --> 00:07:56,620
买一本书可能帮你多赚1万块

322
00:07:56,620 --> 00:07:57,540
买一个课程

323
00:07:57,540 --> 00:07:58,959
可能帮你跳槽涨薪

324
00:07:58,959 --> 00:08:00,199
买一件昂贵的衣服

325
00:08:00,199 --> 00:08:01,139
出门就贬值

326
00:08:01,139 --> 00:08:02,000
不是不能买

327
00:08:02,000 --> 00:08:04,699
而是你要清楚这笔钱是消费还是投资

328
00:08:04,699 --> 00:08:05,660
还有一个习惯

329
00:08:05,660 --> 00:08:07,879
普通人学了绝对赚到大量阅读

330
00:08:07,879 --> 00:08:09,560
巴菲特每天读500页资料

331
00:08:09,560 --> 00:08:11,220
年报财报新闻

332
00:08:11,220 --> 00:08:13,439
他说知识就像复利一样会积累

333
00:08:13,439 --> 00:08:14,699
你今天多知道一点

334
00:08:14,699 --> 00:08:16,819
明天决策出错的可能性就低一点

335
00:08:16,819 --> 00:08:19,819
长期下来你的人生雪球就会比别人滚得快

336
00:08:19,819 --> 00:08:22,259
巴菲特最重要的合作伙伴是查理芒格

337
00:08:22,259 --> 00:08:23,480
芒格比他大六岁

338
00:08:23,480 --> 00:08:24,959
是个超级博学的老头儿

339
00:08:24,959 --> 00:08:25,680
巴菲特说

340
00:08:25,680 --> 00:08:27,579
查理让我从猩猩进化成了人

341
00:08:27,579 --> 00:08:28,100
为什么

342
00:08:28,100 --> 00:08:30,740
因为芒格改变了他一个最核心的投资理念

343
00:08:30,740 --> 00:08:32,899
早期的巴菲特喜欢买便宜的股票

344
00:08:32,899 --> 00:08:34,980
哪怕公司一般只要价格够低

345
00:08:34,980 --> 00:08:35,580
他就买

346
00:08:35,580 --> 00:08:36,440
芒格告诉他

347
00:08:36,440 --> 00:08:38,460
以合理的价格买入优秀的公司

348
00:08:38,460 --> 00:08:41,000
远好于以便宜的价格买入平庸的公司

349
00:08:41,000 --> 00:08:44,139
这个转变让巴菲特的收益率上了一个大台阶

350
00:08:44,139 --> 00:08:45,419
换到普通人身上

351
00:08:45,419 --> 00:08:47,539
就是你身边最亲近的五个人

352
00:08:47,539 --> 00:08:49,019
决定了你的人生层次

353
00:08:49,019 --> 00:08:51,899
如果你周围都是抱怨躺平不学习的人

354
00:08:51,899 --> 00:08:52,860
你很难上进

355
00:08:52,860 --> 00:08:54,960
如果你身边有一个比你厉害的朋友

356
00:08:54,960 --> 00:08:56,879
同事前辈多靠近他

357
00:08:56,879 --> 00:08:57,840
你也会变好

358
00:08:57,840 --> 00:08:58,659
巴菲特说

359
00:08:58,659 --> 00:09:01,220
你的人生就是你选择的朋友的平均值

360
00:09:01,220 --> 00:09:02,299
不是让你势利眼

361
00:09:02,299 --> 00:09:05,080
而是让你有意识的去靠近那些能给你能量的人

362
00:09:05,080 --> 00:09:06,940
还有一点远离不诚信的人

363
00:09:06,940 --> 00:09:08,340
巴菲特宁愿少赚钱

364
00:09:08,340 --> 00:09:09,899
也不跟不靠谱的人合作

365
00:09:09,899 --> 00:09:12,120
他说生育需要20年才能建立

366
00:09:12,120 --> 00:09:13,460
但5分钟就能毁掉

367
00:09:13,460 --> 00:09:15,940
你想想你身边有没有那种借钱不还

368
00:09:15,940 --> 00:09:16,860
说话不算数

369
00:09:16,860 --> 00:09:17,820
背后捅刀的人

370
00:09:17,820 --> 00:09:18,740
离他们远一点

371
00:09:18,740 --> 00:09:20,940
就是保护你自己的雪球不被砸碎

372
00:09:20,940 --> 00:09:21,740
说了这么多

373
00:09:21,740 --> 00:09:23,799
你可能觉得我又不是巴菲特

374
00:09:23,799 --> 00:09:24,679
没那么多钱

375
00:09:24,679 --> 00:09:25,740
也没那么聪明

376
00:09:25,740 --> 00:09:27,080
那我学这些有什么用

377
00:09:27,080 --> 00:09:28,879
我告诉你滚雪球的道理

378
00:09:28,879 --> 00:09:30,340
跟钱多钱少没关系

379
00:09:30,340 --> 00:09:32,379
他讲的是怎么让你的努力不白费

380
00:09:32,379 --> 00:09:33,980
怎么让时间站在你这边

381
00:09:33,980 --> 00:09:36,700
你可以从这三件事开始找到你的失学

382
00:09:36,700 --> 00:09:37,700
什么是失血

383
00:09:37,700 --> 00:09:39,740
就是那些你做起来比别人轻松

384
00:09:39,740 --> 00:09:41,450
而且越做越值钱的事

385
00:09:41,450 --> 00:09:42,769
比如你擅长写作

386
00:09:42,769 --> 00:09:44,169
那就每天写500字

387
00:09:44,169 --> 00:09:46,279
一年后你可能靠写作赚钱

388
00:09:46,279 --> 00:09:47,519
比如你擅长剪辑

389
00:09:47,519 --> 00:09:48,980
那就每周剪一个视频

390
00:09:48,980 --> 00:09:51,139
半年后你可能接单接到手软

391
00:09:51,139 --> 00:09:52,700
失血就是你独特的优势

392
00:09:52,700 --> 00:09:53,620
把它找出来

393
00:09:53,620 --> 00:09:54,679
然后不断打磨

394
00:09:54,679 --> 00:09:55,740
找到你的长坡

395
00:09:55,740 --> 00:09:56,799
长到你的长坡

396
00:09:56,799 --> 00:09:57,580
就是时间

397
00:09:57,580 --> 00:09:58,659
不要做三天打鱼

398
00:09:58,659 --> 00:09:59,720
两天晒网的事

399
00:09:59,720 --> 00:10:01,600
学英语坚持一年再说

400
00:10:01,600 --> 00:10:03,299
健身坚持两年再说

401
00:10:03,299 --> 00:10:04,720
大多数人死在半路上

402
00:10:04,720 --> 00:10:05,840
你只要多熬一会儿

403
00:10:05,840 --> 00:10:06,940
对手就少一大半

404
00:10:06,940 --> 00:10:07,960
保护你的雪球

405
00:10:07,960 --> 00:10:10,200
别让一次冲动消费一次烂投资

406
00:10:10,200 --> 00:10:12,120
一个烂人把你的雪球砸碎

407
00:10:12,120 --> 00:10:13,220
留足安全边际

408
00:10:13,220 --> 00:10:15,179
别把所有希望压在一件事上

409
00:10:15,179 --> 00:10:16,980
巴菲特说过两条投资原则

410
00:10:16,980 --> 00:10:18,480
第一永远不要亏损

411
00:10:18,480 --> 00:10:19,779
第二永远不要忘记

412
00:10:19,779 --> 00:10:20,299
第一条

413
00:10:20,299 --> 00:10:22,960
对普通人来说就是先保住本钱

414
00:10:22,960 --> 00:10:24,039
再想怎么赚钱

415
00:10:24,039 --> 00:10:26,799
最后用巴菲特的一句话结束今天的分享

416
00:10:26,799 --> 00:10:28,039
人生就像滚雪球

417
00:10:28,039 --> 00:10:30,580
重要的是找到很湿的雪和很长的坡

418
00:10:30,580 --> 00:10:31,899
他不是生来就富有

419
00:10:31,899 --> 00:10:32,940
也不是运气好

420
00:10:32,940 --> 00:10:34,960
他只是从六岁就开始滚那个雪球

421
00:10:34,960 --> 00:10:35,879
滚了80年

422
00:10:35,879 --> 00:10:36,679
一刻没停

423
00:10:36,679 --> 00:10:38,159
成功不是一夜之间的事

424
00:10:38,159 --> 00:10:39,539
而是日复一日的结果

425
00:10:39,539 --> 00:10:41,419
你今天的雪球开始滚了吗

426
00:10:41,419 --> 00:10:42,179
如果还没

427
00:10:42,179 --> 00:10:43,860
那就从看完这个视频开始

428
00:10:43,860 --> 00:10:45,820
选一个你愿意坚持一年的小事

429
00:10:45,820 --> 00:10:46,759
今天就开始

430
00:10:46,759 --> 00:10:48,139
一年后你会感谢自己

共 10 条，按点赞数排序。

共 8 条，按视频时间排序。