Daily Productive Sharing 1117 - Why Saving Money?

Dr Selfie -

One helpful tip per day:)

Why saving money? Morgan Housel believes it helps us gain freedom:

  1. Wealth is the accumulation of what’s left after income minus expenses;
  2. One of the most effective ways to increase savings isn’t by raising income but by increasing humility;
  3. Savings act as a hedge against unexpected events;
  4. Every bit of savings is like reclaiming a piece of the future and giving it back to yourself;
  5. When time isn’t on your side, you’re forced to accept whatever bad luck comes your way;
  6. Even with a 0% savings rate, it can still provide meaningful returns, such as enabling you to take a lower-paying but more fulfilling job or wait for promising investment opportunities.

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为什么要存钱？Morgan Housel 认为这可以帮助我们获得自由：

  1. 财富是收入减去支出后剩余的累积；
  2. 增加储蓄的最有效方式之一，不是提高收入，而是增强谦逊；
  3. 储蓄是对于意外的一个对冲；
  4. 每一笔储蓄都像是从未来中夺回了一部分，并交还给我们自己；
  5. 当时间不站在你这边时，你只能被迫接受命运带来的糟糕运气；
  6. 即使储蓄利率为 0%，它也可能带来有意义的回报，比如可以让你接受一份薪水较低但更有意义的工作，或等待那些可能的投资机会。

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