[打卡]阅读打卡第20天 - The Psychology of Money

读完了。

总结中心思想：

• ·      “go out of your way to find humility when things are going right and forgiveness/compassion when they go wrong” --> respect the power of luck and risk, focus on things that you can control. Remember things are never as good or as bad as they seem.

• ·      “Less ego, more wealth.” What you spend is what sits below your ego. Spend only on what’s necessary.

• ·      “Manage your money in a way that helps you sleep at night”. Each person is different, manage your money in a way that you will feel rest assured.

• ·      “If you want to do better as an investor, the single most powerful thing you can do is to increase your time horizon”. Invest in the long run.

• ·      “Become OK with a lot of things going wrong. You can be wrong half the time and still make a fortune, because a small minority of things account for the majority of outcomes”. Be comfortable that a lot of stuff will not work out. Look at your full portfolio, and judge your success based on the whole, instead of the individual investments.

• ·      “Use money to gain control over your time”. --> imagine waking up one day, and say to yourself that you can do whatever you want today, with whoever you want, and for as long as you want.

• ·      “Be nicer and less flashy.” If you want respect and admiration, focus on kindness and humility, instead of possessions and horsepower.

• ·      “Save, Just save. You don’t need a specific reason to save”. Life is full of surprises. Save for the unexpected, plan for the worst possible moment.

• ·      “Define the cost of success and be ready to pay it”. “nothing worthwhile is free”. View uncertainty, doubt, and regret as fees, rather than fines.

• ·      “Worship room for error”. Ensure margin of safety when doing your calculations. Margin of safety is what gives you endurance for compounding to work.

• ·      “Avoid the extreme ends of financial decisions”. You will evolve overtime, so as your goals and desires. Avoid making extreme decisions so you will not regret later down the road.

• ·      “You should like risk because it pays off over time”. Avoid taking detrimental risks, which would ruin your possibility of taking future risks that pay off over time.

• ·      “Define the game you are playing”.  “Make sure your actions are not influenced by people playing a different game.”

• ·      “Respect the mess”. Respect that people have different goals and desires. There is no single right answer. Go for the answer that works for you. 
  

       读后感：

•       成为富有的真正目的在于实现时间自由。希望自己有一天起床的时候可以对自己说，我终于可以自由支配自己的时间了！想做什么就做什么，想去见什么人就去见，想去旅行多久就多久～
•       这本书的作者告诉我们奢侈不过是告诉他人我很有钱。真正的财富是无形的。
•       一个人的生活方式由自己决定。而克制的生活方式将决定你今后的财富。与人在物质上攀比无任何意义。

       以上总结今后将严格贯彻执行。5年可以走多远？10年呢？？希望10年后的自己已经实现了时间自由。为此目标努力奋斗！加油！