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Jingdong book

三十岁后,你会站在哪里? 2

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★二十岁的你,早已替自己预约了三十岁的人生,想要满足欲望又不想债务缠身,那么你就得想办法充实自己的脑袋和口袋。
★如果你不想三十岁后,仍然领着死薪水、靠吃泡面省钱,那么,你*好三十岁前就开始打造“印钞机”,否则,你一辈子都只能活在“钱不够用”的牢笼里;
★三十六则老板不说、老师不教的残酷忠告,助你站上人生的制高点,决定你在三十岁后的位置。

Content Description

本书的写作背景是:财经杂志常报导,许多三十几岁的年轻人,靠着玩股票和投资理财,就能提早享受财务自由。它们还告诉年轻人:只要你努力工作,手边存点资金,再一股脑地把钱投入各种理财渠道,就能开启另一个钱滚钱的账户。然而,如果你真的以为,照着这些“励志故事”就能致富,你只是把自己推入贫性循环的陷阱中,永世不得超生罢了。当你还在被薪水制奴役时,有钱人早已抢先一步,根据自身的专业和发展优势,替自己量身打造一台全天候运转、不需要休息的“印钞机”。本书将破解各种理财迷思,点醒你对金钱的错误认知,又如迎头痛击般,要你好好认清现实,规划属于自己的“印钞机”蓝图,才能真正扭转你的贫穷命运。
Author Description

狄骧,畅销书作家,目前客居台北,为《Reach+上班族达阵Mook》总主笔,著有《富不是命定,而是习性使然》《没本钱,照样创业赚大钱》《其实,钞票不是钱,不景气也不是坏事》《十年后,你想成为流浪汉还是富翁?》等作品。
Catalogue

PART1 “贫性循环”像高血压,无声无息却要人命
穷人永远不知什么是“贫性循环”/ 003
你再继续“踩油门”,早晚会翻车/ 008
你口袋里的100元,只是一张纸/ 013
每天买地摊货和吃泡面,是赔本生意/ 018
需求和欲望,便当和名牌包/ 022
穷人没有资格享受“欲望”/ 025
害怕没钱的人,才是穷人/ 029
生老病也是“贫性循环”的推力/ 032
写手和作家、合音和歌手的不同/ 036
小心!贫穷是会遗传的病毒/ 040
父母的支持,是看不见的负债/ 044
“贫性循环”像高血压,悄悄地吃掉你的人生/ 048
PART2 高CPI和负利率时代,是个不断蔓延的沙漠
穷人都是埋头苦干的傻子/ 055
富人的财富,都来自非劳务收入/ 059
太在意薪水的人,都是不爱钱的人/ 063
你付出的是价格,得到的却不是价值/ 067
薪水制是穷人的母亲/ 071
加薪只是一种安慰剂/ 076
月薪超过2万,不是穷人,但也只算是“贫民”/ 080
拥有房子,不见得就是“有产阶级”/ 084
这个时代,每个人都口渴却又渴不死/ 089
别想用薪水赶上CPI这辆高速列车/ 093
把钱放银行,不如拿去吃牛排唱歌/ 097
全世界都逃不过“经济沙漠化”的天灾/ 102
PART3 趁还没穷死前,打造自己的“印钞机”吧!
什么样的收入,才算是“印钞机”收入?/ 109
再苦也要打造自己的印钞机/ 114
最小的印钞机,也要几百个零件/ 118
亲友眼中那个亏损三年的“天生富人”/ 123
十年内破产三次的“印钞机达人”/ 127
印钞机型号有很多种,每个人要的都不同/ 131
自己打理店等于手动印钞机,做了才有钱/ 135
世上没有不会出故障的印钞机/ 140
你必须是印钞机的最佳维护专家/ 144
每台印钞机也都有使用期限/ 148
没有印钞机前,不要投资/ 152
“不断电印钞机”才是致富超级武器/ 156
Book Abstract

害怕没钱的人,才是穷人
《有钱人想的和你不一样》一书中提到:“有钱人就算恐惧也会采取行动,穷人却会让恐惧挡住了他们的行动。”
这句话让我想起以前共事过的一位同事,大家都知道他有一个口头禅,就是每当有人约他去吃饭、看电影或是出外游玩,只要牵涉到花钱,他总是会说:“不要了,这样的话,我怕之后会没钱。”
我认为居安思危是很好的美德,代表他意识到自己赚得不够多,但这种“少花钱就会有钱”的穷人思维,早晚会让他被“M型化机制”淘汰掉。
相信我,就算他存再多的钱,未来也必定躲不过“贫性循环”的毒手。毕竟,手上暂时握有钞票,是无法让钞票生钞票的,当然更无法成为真正的有钱人。
或许有人会反驳:“我都按时记账管账,至少我知道钱花到哪里”或是“就算只有4000元的月薪,我都强迫自己至少要存1000元,养成每个月固定储蓄的好习惯”,但是,记了账,每月存1000元,那又怎么样?
我说过,脱贫致富的关键在于增加收入,而不是省钱存钱,因为,钱放着不动,就像新鲜蔬菜一样,是每分每秒都在枯萎的,等枯坏到一定程度,这些菜就不能吃了。所以,就算你是个记账达人或存钱高手,如果你的薪水就是4000元,再怎么记账,也不会变成6000元。
此外,如果你为了省钱,除了不做消费性支出,连进修和自我投资的意愿都没有,这样下去,就算过了十年,你还是只能在基层跑腿,顶多是每个月都能存1000元的穷白领。
因此,穷人不是身上没钞票的人,穷人是身上有钞票却相当害怕失去这些钞票,从而不敢让钞票流通的人。
相反,富人的富,是来自他对钞票的正确认知,他们可以手上没有钞票,甚至可以向别人借钱,因为,他们不害怕失去钞票这种用来流通、交换货品或资源的标记价格的纸。他们知道钞票只是交易工具,不是资产,所以,他们从不担心没有钱,这样的认知,反而让他们成为钞票的主人,而不是被钞票制约的奴隶。
这也是为什么富人特别重视钞票以外的资源,例如时间、人脉、情报,以及如何打造更多印钞机的经验法则和知识。
然而,许多穷白领或自以为拥有钞票就拥有一切的穷人,假日时则会选择坐在咖啡厅,听着舒缓悠闲的音乐跟三五好友聊聊天,谈谈八卦,就这样无所事事消磨掉一整个下午。
因为他们害怕失去钱,加上身上存了一些钞票,就自以为是有钱人,所以总是在做一些花钱又没经济效益的事情。
如果你二十几岁,就相当害怕自己没钱,或者花了一点儿钱,就让你恐惧焦虑,从此失眠加上生理失调,那么,我可以大胆预测,你在三十岁后,财富不仅不会增加,你这种害怕没钱的恐惧,反而会让你成为一个身上有一堆钞票却不停在贬值的穷人。
我说过,那些会影响你手上钞票价值的变量,实在是太多太复杂,加上蝴蝶效应的威力,或许巴西的一个小朋友吃汉堡噎到,全球股市就会应声倒地,这时,你手上有再多的钞票,也都是一场游戏一场梦。
不论你是蓝领或白领,甚至是快餐店或饮料店的服务生,三十岁前,你们该拥有的,不是钞票这种不真实的东西,而是拥有看清全球经济运作的视野和格局,进而看清自己对钞票的错误认知,也看透自己害怕没钱的恐惧。
只有如此,你才能在三十岁后,打造出一台有远大格局的印钞机,每次印出的钞票是千元起跳,而不是一块两块的小钱,这才是成为有钱人的真正关键。
这时,你才会领悟到,你的不害怕没有钱,才是你这一生最值钱的宝藏。
……
Introduction

自??序

吃了一百天泡面省下的钱,一天内就贬值?


节俭真的是美德。

然而,它却不能让你脱贫致富。可是,很多被高CPI和低薪夹杀的上班族仍看不清:想要脱离没钱的恐惧焦虑,光靠节流、存款这类美德,不但没有效,反而会让你不自觉地陷入“贫性流沙”,再也无法翻身。


油、电涨价的那一天,有位年轻的男性白领哭着跟我说,他狠下心来吃了一百天泡面省下的钱,不到二十四小时,就被绿巨人变身般上涨的物价吃得连骨渣都不剩。

因为接下来,不仅房东告知他,水电分摊费要提高,他的摩托车去加油也更贵了,小吃店和路边摊的价格也跟着涨,就连泡面厂商也要落井下石。他算了算,再这样下去,他那微薄的薪水,只能让他把一包泡面分成两次吃,才活得下去。

他问我,这种日子要怎么过?他要如何才能脱离这种穷到快被阿飘抓去的困境?

我告诉他,除非他家有祖产,有富爸爸或妈妈,否则,他唯一的解决方案,就是三十岁后能打造出一台自己的“印钞机”。只有运用印钞机,有持续且大量的收入,才能抗衡CPI这种怪兽,甚至把它远远抛在身后,让它连你的车尾灯都看不到,你才能拥有财务自由。


然而,如果他要在三十几岁就拥有自己的印钞机,那么在二十几岁时,他就要开始部署和勾勒印钞机的蓝图,并且不停地组装测试和改良。顺利的话,三十几岁就可以跷着二郎腿看着印钞机日夜不停地帮他增加收入。否则等到三十几岁才开始醒悟,由于体力渐差加上有家累,要在四十几岁成功打造印钞机,就会比较辛苦一点儿。


老实说,上班族的财务和经济困境,不只是这些年轻的低薪族才会遭遇的,即使你在职场已有十年资历,月薪超过10000元也可能碰上。然而,如果你能从本书中的论述和案例中,真正看清高CPI、低薪及实质负利率是未来一百年都不会改变的“不可逆趋势”,你就会知道,你的薪水如果不跟上CPI,即使你未来领到12000元以上的月薪,也只能三餐吃一包泡面度日,更不用说要买房或安稳退休了。


因此,你不仅要关心自己三十岁后会站在哪里,你更要担心的是,三十岁后,你是否还在为了“钱不够用=贫”或“没有钱用=穷”而失眠焦虑和感到绝望。


虽然不是所有的上班族都是经济学的专家,但身处“饥饿游戏”平台中,你至少应该意识到,CPI、通货膨胀和实质负利率,还有汇率及利率,都将冷不防地从四面八方把你逼入“贫性循环”的轮回中,让你永不得超生。


物价的上涨,除了和利率有关,跟汇率也有“脐带效应”。


例如,政府如果为了挽救出口而让货币贬值,也会因而伤到进口利润,让进口成本大增。可想而知,进口物价上升,接着就是国内物价全涨。


总之,整个资本市场中,会让物价上涨、让你的薪水和存款贬值的因素和变量,实在太多也太复杂。只要这么多的变量中有一个出了问题,物价就像娘要嫁人一样,拉也拉不回地上扬,这些都不是你我可以预测和控制的。


因此,三十岁后,你除了要搞清楚自己该往哪个产业、哪个领域去力争上游外,你还必须要先为自己未来的财务风险做好应对的准备和管理。


总之,如果你真的想脱离“贫性循环”,就开始为自己打造印钞机吧!

不论你从事什么行业,只要你的产出符合市场需求,就能打造出印钞机。

毕竟,在这个钞票快速贬值的时代,你要脱贫或致富的关键,绝不是省钱或储蓄,而是拥有持续性收入的印钞机。


我策划和写这本书的用意,就是要告诉大家这些真相,还有为何你必须拥有那种你不工作或去度假时,钞票仍会自动进你口袋的收入。同时,在书中我也会把如何打造印钞机的方法和辛苦之处同大家分享。


相信我,贫穷不是天注定的,任何人都可以从“贫性循环”里翻身,拥有财务自由。只要你的脑袋开窍,开始用富人的“印钞机收入”思维来善用自己的资源,就算你只会擦皮鞋或在路边举牌,只要你有勇气去组装和测试,你就有资格拥有“系统化收入”的印钞机,日夜不停地为你印钞票。


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Brand Jingdong book
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Jingdong book

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About the brand

Jingdong book