书籍介绍
Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people.
Money―investing, personal finance, and business decisions―is typically taught as a math-based field, where data and formulas tell us exactly what to do. But in the real world people don’t make financial decisions on a spreadsheet. They make them at the dinner table, or in a meeting room, where personal history, your own unique view of the world, ego, pride, marketing, and odd incentives are scrambled together.
In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important topics.
AI导读
核心看点
- 理财重在行为而非智商，心态决定财富
- 财富是未花掉的钱，提供掌控时间的自由
- 承认运气与风险，保持谦逊避免盲目自信
适合谁读
- 希望改善理财心态与消费习惯的读者
- 对投资心理学与行为经济学感兴趣者
- 寻求财务自由与生活掌控感的职场人
读前提醒
- 本书无具体操作指南，侧重理念启发
- 案例通俗口语化，适合碎片时间阅读
- 需结合自身经历反思，避免生搬硬套
读者共识
- 文笔通俗易读，但部分观点被视为常识
- 强调储蓄与知足，有助于缓解焦虑
- 缺乏严谨方法论，适合心态调整而非实操
本导读基于书籍简介、目录、原文摘录、短评和书评生成，不等同于全文精读。
精彩摘录
- "The point is that the ceiling of social comparison is so high that virtually no one will ever hit it. Which means it's a battle that can never be won, or that the only way to win is to not fight to begin with-- to accept that you might have enough, even if it's less than those around you."
- "维持一种低于经济能力的生活方式的附加好处是，这会防止你产生攀比心理。在你负担得起的范围内舒适地生活，不产生过多欲望，你会避免现代西方世界中许多人要承受的巨大社会压力。纳西姆·塔勒布解释道：“退出无谓的激烈竞争，以获得内心平静为目标来调节你的行为，才是真正的成功。”"
- "Angus Campbell was a psychologist at the University of Michigan. Born in 1910, his research took place during an age when psychology was overwhelmingly focused on disorders that brought people down—things like depression, anxiety, schizophrenia. Campbell wanted to know what made people happy. His 19"
- "收入超过一定水平后，你的物质需求由欲望决定。 每个人都有基本的物质需求，而当这些需求被满足后，人们就会上升一个层次，去追求生活的舒适性。当舒适性也得到满足后，人们又会去追求兼具舒适性、娱乐性和启发性的事物了。 但当消费超越了最基本物质生活需求的水平后，它在大体上便成了虚荣的自我的反映，一种通过花钱向人们展示你有钱（或曾经有钱）的方式。 如果是这样，增加财富最有效的方式就不是提高个人收入，而是培养你的谦逊之心。 当你把存款定义为虚荣的自我和收入之差时，你就能明白，为什么很多收入不低的人很难存下钱来，因为他们每天都在和自己想要尽情炫耀并与其他炫富者攀比的本能抗争。 那些长期成功经营个人财富的人，并"
- "Luck and risk are both the reality that every outcome in life is guided by forces other than individual effort. They are so similar that you can't believe in one without equally respecting the other. They both happen because the world is too complex to allow 100% of your actions to dictate 100% of y"
- "好的投资并不一定意味着长期回报最高，因为高回报的投资往往是一次性的，很难重复。 好的投资是可以持续获得不错的收益，并能长期重复的投资。——这正是复利开始大显身手的地方。"
- "我拍了30 年电影，从中发现了一个简单的道理，有些作品会成功，有些不会，没必要去深究哪些会继续拍下去就行。"
- "他们的成功来自他们全部行为中的一小部分……或许我们没有做错，我们的错误率和投资高手们的其实没什么差异，只不过当他们选择正确的时候，他们能抓住机会，表现得比我们更好，但他们犯的错误并不会比你我这些普通人少。"
作者简介
Morgan Housel is a partner at The Collaborative Fund and a former columnist at The Motley Fool and The Wall Street Journal. He is a two-time winner of the Best in Business Award from the Society of American Business Editors and Writers, winner of the New York Times Sidney Award, and a two-time finalist for the Gerald Loeb Award for Distinguished Business and Financial Journalism.
用户评论
会再重读的书
喜欢作者的文笔 会加深理解已经知道的东西
不要贪，知道什么是enough;不要老想着跑赢大盘;少花钱多存钱然后看复利的力量;rich 是你花出去的钱，wealth 是你没花出去的钱; 财务自由可以买来自由，干啥的自由，不干啥的自由，和谁干的自由以及干多久的自由
Growth is driven by compounding, which always takes time. Endurance is key.
虽然文笔和结构流于专栏作家体，但是许多朴素的真理不破。有关储蓄，欲望管理，和对风险的理解这几点与身边许多投资人契合度很高，也是我深以为然的。从理财角度唯一旗帜鲜明不赞同的应该是作者在低利率的大环境和自身高储蓄、较稳定现金流的情况下坚持全款购房的选择了。
people are irrational but reasonable in their own ways
观点都挺好的 就是废话太多举例太白痴了...就像亚马逊热评说的：一本书没有提到过任何一个女性投资人，赤裸裸的sexist。（以后再也不想上当买热销书了...但每次还是会掉入营销陷阱😥
受益匪浅
学到很多。
本周的audiobook。无甚新意，降低了人们对致富的预期，要人们理性一点，从认清自己的实际需求做起。除了luck外，普通人能做的就是多储蓄，甚至是不需要理由的储蓄，以及be patient。比较好的部分是讲到投资选择和风险偏好时，提到了每个人都因为自己独特的背景和认知而不同，这里没有对错
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