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工作前5年,决定你一生的财富

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工作前5年,决定你一生的财富

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《工作前5年,决定你一生的财富》是豆瓣网站受欢迎的理财类栏目文章作者三公子的第1本书,其在豆瓣上关于理财方面的个人文章、经验收到了近10万个好评,其粉丝也超过5万,很多用户纷纷发豆油问她有关各种理财的问题,甚至还有好几位人直接要把账户告诉她,让她帮忙理财。本书作者在理财的5年中,从0开始到资产破百万,可能对于有很多资本的人来说,这个成就并不耀眼,但对于一个刚毕业5年的上班族来说,可能算是很了不起的成绩。相信仔细看完本书的你,一定会有非常不错的收获。

Content Description

随着余额宝等各种理财新方式的横空出世,理财再一次引领社会热点话题榜。作为近年来受大众关注的一个方向,理财方法成为了一个热点。从零基础到各种投资方法的介绍,从来不缺少受众群体。现实生活里,工薪族依靠勤恳工作,想换取更多的薪资报酬,不敢过度享受,然而日子依然紧巴巴的。其实,工薪阶层如果有了理财的观念,生活就不会如此窘迫。理财投资是一门很大的学问。完全靠自学有点困难,专家的建议和前辈的实践是很好的参考。本书作者三公子是豆瓣人气理财达人,其关于理财的相关文章多次被豆瓣推荐,其文笔清新自然,讲解通俗易懂,不是通过大道理来说服人,而是用生活中的小故事来打动人,很多读者对其理财方法非常赞同。本书是作者将其投资经历集结并重新整合的第1本书,图文并茂,文笔流畅。

Author Description

三公子,随手记理财社区入住大V,单篇文章阅读量200万+。

白白肉肉脸圆圆的天秤女,从未想励志,却不经意励志了一些朋友,从未想发财,却不经意积攒下一笔小小的财富。

2009年初入职场,生活的真实让自己意识到金钱的重要性,随即开始拿自己的生活作为试验田,看看认真对待金钱,会收获哪些不一样的果实。

原本一年约期的试验,渐渐变成了五年的承诺,原本小试牛刀的好奇,变成了雄心勃勃的规划。生活,就这么在“尝试”中变得有趣起来。

一直信奉一点:尊严的生活,需要独立的经济来护佑;自由的选择,需要独立的经济来保障。

Catalogue

第一部分 我的理财手札(2009~2014 年)
第1 章 理财意识觉醒(2009 年)
1.1 毕业那年,面临选择的十字路口. 5
1.1.1 没有金钱就没有说“不”的权利. 5
1.1.2 被金钱捆绑的生活 6
1.2 行动从当下开始 8
1.2.1 谁说“渴望”这东西就一定要“高尚” 8
1.2.2 房租告诉我的道理 9
1.2.3 立即行动永远都不迟 12
1.2.4 第一个“理财五年计划”——5 年30 万元. 19
第2 章 存钱大作战1.0 时代(2010 年)
2.1 炒老板鱿鱼计划(人生第一个10 万元存款) 22
2.1.1 晓晓的“炒老板鱿鱼存钱计划”. 22
2.1.2 我人生的第一个10 万元计划. 23
2.2 让存钱动起来 24
2.2.1 先消费后储蓄VS 先储蓄后消费 24
2.2.2 我的方式:先从工资的50%开始. 26
2.2.3 其他朋友的方式 27
2.2.4 网络上常见的方式 32
2.2.5 网络上流传的其他存钱方式. 35
2.2.6 关于一些存钱质疑的回应 37
2.3 将消费支出控制起来 40
2.3.1 整理消费清单. 40
2.3.2 进入记账的生活 42
2.4 记账带来的改变 50
2.4.1 消费方式正在悄然改变着我的生活. 50
2.4.2 如何用应急资金购买大额物件. 53
2.4.3 如何使用偶尔发放的奖金津贴. 54
2.5 “理财五年计划”第一年度进展说明. 54
2.5.1 2010 年12 月资产总结. 55
2.5.2 2011 年收支预算. 55
2.5.3 关于2010 年“存钱大作战1.0”的反思 56
第3 章 存钱大作战2.0时代:盲目投资的教训(2011年)
3.1 省钱大作战. 62
3.1.1 消费新模式——合理团购. 62
3.1.2 进入记账2.0 时代. 63
3.1.3 我人生的第一个10 万元实现啦. 64
3.2 人生第一笔投资 67
3.3 纸黄金的4 个教训 70
3.3.1 没有调查就没有发言权 72
3.3.2 一笔好买卖需要天时地利人和. 72
3.3.3 缺乏理性控制的欲望很可怕. 73
3.3.4 孤注一掷的结果很可能是血本无归. 73
3.4 “理财五年计划”第二年度进展说明. 73
3.4.1 2011 年资产总结. 74
3.4.2 关于2011 年“存钱大作战2.0”的反思 76
第四章 投资正式入门:基金应该这么买(2012 年)
4.1 进军基金. 81
4.1.1 恐怖的通货膨胀可怕得让人不能不防. 81
4.1.2 老爸的前车之鉴 82
4.1.3 买基金前要解决几个基本问题. 83
4.2 买基金实操:我的基金是这么买的. 95
4.2.1 先给自己定好基金购买规矩. 95
4.2.2 购买基金方法. 96
4.3 2012 年新基民体验带来的反思 97
4.3.1 金钱损失迫害妄想症 97
4.3.2 情绪波动非正常化 98
4.3.3 存钱压力的缓解 99
4.4 基金购买需要了解的前十件事情. 99
4.5 “理财五年计划”第三年度进展说明. 109
4.5.1 2012 年资产总结109
4.5.2 2013 年消费预算110
4.5.3 附我的热门长帖《工作三年理下30 万元》.111
第五章 投资进阶:股市是财富增值的放大器(2013 年)
5.1 正式进军股市 120
5.1.1 股市投资总金额是多少.120
5.1.2 第一只股票选择哪家公司.122
5.2 2013 年新股民体验带来的反思 124
5.2.1 渐进的理财理念.124
5.2.2 消费观念在悄然改变.125
5.2.3 现金是最后的救命稻草.126
5.2.4 股市让我重新去了解生活.126
5.2.5 股市不是改变人生命运的唯一地方127
5.2.6 投资新名词接触了很多.127
5.2.7 那些影响到我的人.128
5.2.8 下一年愿望129
5.3 不同的人生阶段,不同的理财规划. 130
5.3.1 财富准备阶段131
5.3.2 财富质变阶段132
5.3.3 工作自由阶段134
5.3.4 财富自由阶段135
5.4 我的投资理财书单 137
5.4.1 投资入门类书籍.138
5.4.2 社科篇142
5.4.3 基金类143
5.4.4 股票投资理论篇.143
5.4.5 技能篇146
5.4.6 彼得·德鲁克的所有书籍146
5.5 “理财五年计划”第四年度进展说明. 147
5.5.1 2013 年资产年度总结147
5.5.2 2013 年感悟.148
第六章 投资反思:值得认真总结的新起点(2014 年)
6.1 2014 年理财之旅的重新规划 152
6.1.1 存款意义的重新理解.152
6.1.2 基金和股票市场的调整.155
6.1.3 流动资产突破50 万元大关156
6.2 真的有财务自由吗 158
6.2.1 做个有钱人158
6.2.2 人的欲望永远无穷大.160
6.2.3 财务自由的重点是“自由”而不是“财务”.161
6.3 附:我的热门长帖2《工作五年理下50 万元》. 162
6.3.1 理财初始阶段:存钱&记账.163
6.3.2 理财二级阶段——基金涉水164
6.3.3 理财三级阶段——股票.166
6.3.4 现在,我应该做些什么.168
第二部分 未来该怎么走
第七章 搭建属于自己的理财体系
7.1 1 000 万元理财目标的实现轨迹. 175
7.1.1 先了解自己当前的财务状况175
7.1.2 实现梦想的选择和要求.179
7.2 神奇的复利. 180
7.2.1 复利的馈赠180
7.2.2 复利的杀气183
7.2.3 时间是复利的朋友.184
7.3 搭建自己理财体系的具体方法. 185
第八章 豆邮精选案例:你必须要拥有的理财技能
案例一:“低收入人群”的自我救赎之路——三位好朋友的困扰 190
案例二:“月光族”的梦魇人生——小P 的故事. 197
案例三:CC 小姐的空想存钱计划. 205
第九章 后记:理财,让梦想照进现实
附录 2010-2014收支总结图表
2010 年资产总结:221
2011 年资产总结:222
2012 年资产总结:223
2013 年资产总结:224
2014 年资产总结:225

Introduction

去年收到编辑出书的邀约,想让我把这些年的理财心得做个整理,跟学习理财的朋友一起分享。其实,收到邀约时,我心里有点打鼓。在我的理解范畴中,理财是一个big(逼格)比较高的领域,不但需要投入大量的精力和时间来进行各种规划,而且还不能像炒股一样在短时间内就出效果。


我能行吗?


但编辑跟我说,理财分为很多阶段,你现在接触并所做的就是职场小白们正在或即将经历的:工作刚刚起步,对理财有很大需求但操作还比较陌生,而你做的事情就是告诉他们最简单最基础的理财方式,让他们摆脱月光,能够尽快积攒下第一桶金,去追求新的职场梦想。编辑的初衷也是我开始着手整理这5 年理财经历的理由,我在豆瓣上写文章从不敢认为自己是这方面的专家,因为我也曾经是一个标准的职场小白,而这些都是我自己的亲身经历。


进入职场之前,我对于理财的概念就是“钱不是攒出来而是赚出来的”,可当我第一次拿工资的时候才发现,其实根本不是那么回事。在我所在的三线城市里,我不需要承担房租,没有大件消费,每月四五千元的工资在当地也属于相当不错的收入,但我依然是一个“快乐”的月光族。从那时起我就意识到:工资拿得再高,只要控制不住花钱的手,依然是月光女神;工资拿得不高,只要能够努力攒钱,依然可以留存一大笔钱。理财的第一阶段是存钱,而不是让自己的工资一飞冲天(很多职场小白没有这样的实力)。在当下并非满意的收入情况下,努力积攒下人生第一桶金,在选择未来的道路时才有足够的发言权。


明白了这个道理后,作为职场小白的我开始摸索自己的理财之路,这样就有了2010~2011 年的存钱大作战。我努力压缩生活中的不必要开支,平均每月强制自己存下50%的工资,加上加班津贴、年终奖金和父母的压岁钱,用“存钱+记账+合理预算”的组合拥有了人生的第一个10 万元,攒下自己人生的第一桶金。


理财的第二个阶段是“善用第一桶金”。让钱为自己工作,这样自己就可以从工作中解脱出来,有机会做自己想做的事情。但“钱生钱”里面的风险也很大,金融市场的复杂无情,让我这个小白在试水的时候常常心慌。我有蹭父辈光环而小赚一笔的好运,也有在纸黄金中盲目投资的劫难……


在收获和失去之间,我明白了自己的风险承受能力,自己既然不是一个“爱冒险”的投机客,那么就应对理财这件大事持有谨慎敬畏的心。2012 年的试水基金和2013 年的股票投资,都算是我进入理财第二阶段的学习和尝试,这条道路并没有因为两三年时光的过去而画上句号,而是越来越像一个逗号。


我一直在路上跌跌撞撞的走着,经历了2012年年底蓝筹股的疯涨,2013年年中的钱荒,大盘跌破1 900 点的恐慌,2014 年前三个季度蓝筹股的一潭死水和第四季度的波澜壮阔,也经历了2015 年的牛市和股灾,让人匪夷所思的小盘股急速攀爬又急速下坠,千股跌停又千股涨停。金融市场是一个有效但无法预测的市场,也是一个充满陷阱又处处是诱惑的市场。它不但带给我财富,更带给我坚强而从容的内心。时至今日,和你们一样,我依然是个求学者。


在此将2009 年到2014 年的理财心得跟朋友们分享,不是为了说明过去的我多么努力和强大,而是这份经历让我重塑了自己,对自己的未来有了更坚定的想法。事实上这5 年所收获的近百万的资产并不能为我的未来赢得多大的胜算,但至少是我个人对自己的人生多了那么一点点的选择权。


我希望翻看这本书的朋友能够在我的经历中收获一点经验和教训,也希望朋友们以“纸黄金事件”来规避理财风险。


理财这条路,一个人走起来会很孤独,一群人相约前行则会走得很远。希望朋友们能够经由这本书和我交朋友,和我一起分享更多的理财知识,让我们一起在理财道路上快乐前行!


三公子


2015 年7 月

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Sellers in China will ship their orders within 1-2 business days once the order is placed. Packages are sent to our consolidation warehouse in China and combined there. Our Yami consolidation warehouse will directly ship the packages to you via UPS. The average time for UPS to ship from China to the United States is about 10 working days and it can be traced using the tracking number. Due to the pandemic, the delivery time may be delayed by about 5 days. The package needs to be signed by the guest. If the receipt is not signed, the customer shall bear the risk of loss of the package.

Sold by JD@CHINA

Service Guarantee

Free shipping over 69
Genuine guarantee

Shipping

Yami Consolidated Shipping $9.99(Free shipping over $69)


Seller will ship the orders within 1-2 business days. The logistics time limit is expected to be 7-15 working days. In case of customs clearance, the delivery time will be extended by 3-7 days. The final receipt date is subject to the information of the postal company.

Yami Points information

All items are excluding from any promotion or points events on Yamibuy.com

Return Policy

You may return product within 30 days upon receiving the product. Items returned must be new in it's original packing, including the original invoice for the purchase. Customer return product at their own expense.

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About the brand

Jingdong book

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About the brand

Jingdong book