健康是财富。我们无数次听到这句话,但往往需要经过岁月的洗礼才能真正领悟其真谛。年轻时,我们主要关注的是经济独立:存钱、明智投资、实现职业目标。健康,则往往被我们视为理所当然。毕竟,我们年轻、精力充沛、能力出众——不是吗?
但当时间流逝,生活的磨损追上我们时,会发生什么?我们年轻时珍视的重心往往需要彻底调整。这种转变带来了一个新的认识:存钱固然重要,但存肌——保持健康和身体力量——同样至关重要。
Health is wealth. It’s a phrase we’ve heard countless times, yet its true significance often takes years to sink in. When we’re young, our primary focus tends to revolve around financial independence: saving money, investing wisely, and achieving career milestones. Health, on the other hand, is taken for granted. After all, we’re young, energetic, and capable—aren’t we?
But what happens when time passes, and the wear and tear of life catch up with us? The priorities we held dear in our youth often require a complete reorganization. This shift brings a new realization: saving money is important, but saving muscle—preserving health and physical strength—is equally critical.
在充斥着速效解决方案、快速趋势和即时致富承诺的世界中,年轻人很容易迷失真正的财务成功本质。真正成功的关键不仅仅是努力工作或财务精明,更是思维模式,一种对成长、韧性和目标的坚定信念。以富豪的思维方式开始,培养一种不仅能克服挑战还能将其转化为机遇的思维模式。这种思维模式的美妙之处在于它对每个人都是可触及的,无论他们从哪里开始。
In a world teeming with quick-fix solutions, fast-paced trends, and promises of instant wealth, it’s easy for young people to lose sight of the true essence of financial success. What sets the truly successful apart isn’t merely hard work or financial savvy alone—it’s a mindset, an unwavering belief in growth, resilience, and purpose. Thinking like a millionaire begins with adopting the mindset of success, one that not only endures challenges but transforms them into opportunities. The beauty of this mindset is that it’s accessible to everyone, regardless of where they start.
引言
微观经济学研究个体和企业的决策行为,在塑造财务成功方面起着至关重要的作用。它探讨了消费者和企业如何分配资源、做出选择以及如何应对市场中的激励机制。通过理解微观经济学原理,个人和企业能够做出更好的财务决策,优化资源,从而实现长期的财务目标。
本文将探讨关键的微观经济学概念及其如何影响个人和企业的财务成功。
Introduction
Microeconomics, the study of individual and firm decision-making, plays a crucial role in shaping financial success. It examines how consumers and businesses allocate resources, make choices, and respond to incentives within the market. By understanding microeconomic principles, individuals and businesses can make better financial decisions, optimize their resources, and achieve long-term financial goals.
This article explores key microeconomic concepts and how they influence personal and business financial success.
在当今快节奏的世界中,实现财务安全需要深入了解您的收入来源以及如何为长期建立可持续的财富。一个流行的框架来说明不同类型的收入是收入象限,它将收入来源分为四种类型:雇员 (E)、自营职业者 (S)、企业主 (B) 和投资者 (I)。这些象限还区分主动收入(您用时间换钱)和被动收入(钱为您工作)。让我们分解这一点并探索如何利用不同的收入来源来确保一个繁荣的未来。
In today’s fast-paced world, achieving financial security requires a deep understanding of where your income comes from and how you can build sustainable wealth for the long term. One popular framework to illustrate different types of income is the Income Quadrant, which classifies income sources into four types: Employee (E), Self-Employed (S), Business Owner (B), and Investor (I). These quadrants also distinguish between active income (where you trade time for money) and passive income (where money works for you). Let’s break this down and explore how you can leverage different income sources to ensure a prosperous future.
随着年龄的增长,我们的财务状况变得更加明显。虽然我们年轻时通常忙于积极工作以赚取收入,但总有一天我们会无法像以前那样投入大量时间和精力到工作中。在这样的情况下,许多人希望依靠被动收入——即不需要每天工作就能持续获得的收入,如投资回报、租金收入或业务利润。不幸的是,如果没有适当的规划,缺乏被动收入可能会导致老年人不得不降低他们的生活水平,甚至完全依赖于储蓄,直到储蓄耗尽。
我采访的超过 90% 的年轻毕业生都表示他们意识到未来没有被动收入来维持他们设想的生活方式的风险。然而,今天许多老年人仍然面临着这个严峻的现实,尽管他们有几十年的时间来解决这个问题。没有被动收入的风险尚未得到充分的风险管理,其后果是严重的。
As we age, the reality of our financial situation becomes more evident. While our younger years are often spent working actively to earn an income, the time will come when we may no longer be able to contribute as much time and energy to active employment. This natural progression is when many hope to rely on passive income—income that continues to come in without the need for daily work, such as investment returns, rental income, or business profits. Unfortunately, without proper planning, the absence of passive income can result in older individuals having to compromise their lifestyle, or worse, rely solely on their savings until they are depleted.