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.
在当今快节奏的世界中,“时间就是金钱”这一短语深深地共鸣于许多追求财务成功的人们。然而,如果我们告诉你,将锻炼纳入日常生活可能是对长期财务健康的关键投资呢?身体健康与财务繁荣之间的联系比许多人意识到的要深远,而理解这种关系可以帮助你培养更全面的成功观。
In today’s fast-paced world, the phrase “time is money” resonates deeply with many individuals striving for financial success. However, what if we told you that incorporating exercise into your daily routine could be a pivotal investment in your long-term financial well-being? The connection between physical health and financial prosperity is more profound than many realize, and understanding this relationship can help you cultivate a more holistic approach to success.
想象一下一种没有财务束缚的生活,在那里你可以追求自己的梦想,按照自己的意愿工作。这就是财务自由,朋友。它不是关于一夜暴富,而是建立一个可持续的系统,产生被动收入来支付你的生活费用。
罗伯特·清崎 (Robert Kiyosaki) 推广的收入象限概念提供了一个框架,帮助我们理解人们如何创造收入。让我们探索这些象限,以及如何利用它们释放你的财务潜力:
收入象限:
• E (雇员):你用你的时间和技能换取薪水或工资。这是最常见的象限,它提供稳定性和福利。
• S (个体经营者):你拥有自己的生意,但需要积极地投入其中才能产生收入。这个象限提供更多的控制权和灵活性,但也承担着唯一的责任。
• B (企业主):你拥有一个系统化的企业,可以在没有你的直接参与下运营。 你管理并分配任务给员工,让你可以大幅度地增加收入。
• I (投资者):你将你的钱投资于产生被动收入的资产,例如出租房产、股票、债券或版税。这个象限提供长期财富创造和财务自由。
Imagine a life free from financial constraints, where you can pursue your passions and work on your own terms. This, my friend, is financial freedom. It’s not about instant riches, but about building a sustainable system that generates passive income to cover your living expenses.
The concept of income quadrants, popularized by Robert Kiyosaki, provides a framework for understanding how people generate income. Let’s explore these quadrants and how you can leverage them to unlock your financial potential:
The Income Quadrants:
• E (Employee): You trade your time and skills for a salary or wages. This is the most common quadrant, and it offers stability and benefits.
• S (Self-Employed): You own your own business but actively work in it to generate income. This quadrant offers more control and flexibility, but also carries the burden of sole responsibility.
• B (Business Owner): You own a systemized business that operates without your direct involvement. You manage and delegate tasks to employees, allowing you to scale your income significantly.
• I (Investor): You invest your money into assets that generate passive income, such as rental properties, stocks, bonds, or royalties. This quadrant offers long-term wealth creation and financial freedom.
曾经努力存钱或投资,却发现财富停滞不前吗?你并不孤单。许多人低估了侵蚀他们资金真正价值的隐藏成本。这篇文章将深入探讨 资金成本 概念,以及它为什么对实现财务成功至关重要。
理解资金成本
仅仅存钱或投资是不够的。你需要考虑 资金成本,它包括两个关键因素:
机会成本: 这指的是当你将资金用于其他用途时,错过的潜在回报。例如,你从 2023 年提供 5.5% 股息的 EFP 账户中提取 50,000 令吉。通过取出这笔钱,你将失去每年获得 5.5% 潜在收益的机会。
通货膨胀成本: 通货膨胀是指一段时间内物价逐渐上涨。随着通货膨胀上升,你的购买力就会下降。例如,想象今天一个面包的价格是 5 令吉。如果通货膨胀率为 2%,那么同样的面包明年可能需要 5.10 令吉。
Have you ever felt like you’re diligently saving or investing, yet your wealth seems stagnant? You’re not alone. Many people underestimate the hidden costs that erode the true value of their money. This article delves into the concept of cost of funds and why it’s crucial for achieving financial success.
Understanding Cost of Funds
Simply saving or investing isn’t enough. You need to consider the cost of funds, which encompasses two key components: