5大理財觀念和技巧 【好葉】

5大理財觀念和技巧 【好葉】

5大理財觀念和技巧 【好葉】


資料來源: https://www.youtube.com/watch?v=EcG6Mgk33S4


影片概括:

00:51 記賬
01:16 吸引力法則有效嗎?
02:17 每月預算
03:22 掌握投資知識
04:55 做好風險管理
07:06 注重健康
10:14 重點回顧



重點整理

1.刻意記帳
    記錄下來才能檢視!
2.每月預算
    節省自己的開銷
3.掌握投資知識
    擁有技巧才能做出正確行動[找尋適合資己的投資工具,並掌握其操作技巧]
4.做好風險管理
    行動前做好保障,風險控管[買齊足夠保險]
5.注重健康
    有健康的身心才能有行動的本錢[注重飲食、運動、休息(睡眠)]

2 thoughts on “5大理財觀念和技巧 【好葉】

  1. 有固定收入的人從月光族翻身,存到人生第一桶金,你也做得到!~ 90天建立個人脫貧理財系統


    https://www.youtube.com/watch?v=-bwiMfCqsBg

    1
    00:00:00,000 –> 00:00:02,800
    你知道嗎?有一種人每個月收入不高

    2
    00:00:02,800 –> 00:00:06,400
    但三年后卻能買房辭職財務自由

    3
    00:00:06,400 –> 00:00:08,960
    而另一種人明明薪水也不差

    4
    00:00:08,960 –> 00:00:11,520
    卻永遠月光卡在鴉頂

    5
    00:00:11,520 –> 00:00:13,320
    過着提心弔膽的生活

    6
    00:00:13,320 –> 00:00:14,320
    你是哪種?

    7
    00:00:14,320 –> 00:00:17,680
    你以為財務自由是有錢人才能玩的游戲

    8
    00:00:17,680 –> 00:00:21,320
    但真像是他只需要90天的正確行動

    9
    00:00:21,320 –> 00:00:23,200
    就能徹底翻轉命運

    10
    00:00:23,200 –> 00:00:26,000
    而這就是你改寫人生的起點

    11
    00:00:26,000 –> 00:00:26,800
    哈嘍大家好

    12
    00:00:26,800 –> 00:00:27,960
    歡迎回到對金積玉

    13
    00:00:27,960 –> 00:00:31,120
    一個希望你越來越有錢的財商成長頻道

    14
    00:00:31,120 –> 00:00:32,240
    今天這期節目

    15
    00:00:32,240 –> 00:00:36,480
    我們要帶你完成一個月光族逆襲的90天計划

    16
    00:00:36,480 –> 00:00:38,200
    不靠偏門不靠運氣

    17
    00:00:38,200 –> 00:00:39,720
    只靠一套可執行

    18
    00:00:39,720 –> 00:00:43,040
    可復制可驗證的財務行動路線圖

    19
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    讓你從焦慮無力不敢打開賬單的狀態

    20
    00:00:46,720 –> 00:00:49,040
    一步一步走向存的下錢

    21
    00:00:49,040 –> 00:00:50,080
    還得了債

    22
    00:00:50,080 –> 00:00:52,720
    養得起投資的財務新人生

    23
    00:00:52,720 –> 00:00:53,760
    你准備好了嗎?

    24
    00:00:53,760 –> 00:00:55,200
    因為從現在開始

    25
    00:00:55,200 –> 00:00:58,240
    你會看到一個你從來沒想過的自己

    26
    00:00:58,240 –> 00:00:59,040
    能存錢

    27
    00:00:59,040 –> 00:00:59,920
    能翻身

    28
    00:00:59,920 –> 00:01:01,640
    甚至能改寫未來

    29
    00:01:01,640 –> 00:01:02,200
    第一周

    30
    00:01:02,200 –> 00:01:03,480
    現狀拋息

    31
    00:01:03,480 –> 00:01:05,000
    改變財務之前

    32
    00:01:05,000 –> 00:01:08,160
    第一步就是要看清自己現在的狀況

    33
    00:01:08,160 –> 00:01:10,280
    我們先打開手機銀行APP

    34
    00:01:10,280 –> 00:01:12,400
    信用卡發卡行的APP

    35
    00:01:12,400 –> 00:01:14,200
    或是各種支付平台

    36
    00:01:14,200 –> 00:01:16,600
    把交易記錄通通抓出來

    37
    00:01:16,600 –> 00:01:17,680
    資料有了之后

    38
    00:01:17,680 –> 00:01:20,000
    接下來就是分類統計

    39
    00:01:20,000 –> 00:01:21,960
    支出可以分成三類

    40
    00:01:21,960 –> 00:01:22,840
    必要支出

    41
    00:01:22,840 –> 00:01:26,880
    向房租水電車貸訂閱費生活用品

    42
    00:01:26,880 –> 00:01:29,320
    這些是日常生活不可或缺的

    43
    00:01:29,320 –> 00:01:31,320
    可選支出就是外食

    44
    00:01:31,320 –> 00:01:33,120
    購物旅行這種

    45
    00:01:33,120 –> 00:01:34,160
    不是必須

    46
    00:01:34,160 –> 00:01:36,360
    但提升生活感的開銷

    47
    00:01:36,360 –> 00:01:37,680
    還有債務支出

    48
    00:01:37,680 –> 00:01:40,720
    向學貸信用卡最低還款

    49
    00:01:40,720 –> 00:01:42,720
    接下來我們要來算一個

    50
    00:01:42,720 –> 00:01:45,160
    超關鍵的數字儲蓄率

    51
    00:01:45,160 –> 00:01:46,200
    簡單說就是

    52
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    你每個月賺的錢

    53
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    扣掉花掉的剩下來的那一部分

    54
    00:01:50,240 –> 00:01:52,520
    占你總收入的百分之多少

    55
    00:01:52,520 –> 00:01:54,120
    這個比例能直接看出

    56
    00:01:54,120 –> 00:01:56,920
    你每個月到底能留下多少錢

    57
    00:01:56,920 –> 00:01:58,040
    儲蓄率越高

    58
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    代表你財務狀況越穩健

    59
    00:02:00,400 –> 00:02:02,520
    透過這些分類與數據

    60
    00:02:02,520 –> 00:02:04,920
    我們就能一眼看出問題在哪

    61
    00:02:04,920 –> 00:02:07,880
    這就是你90天財務逆襲的起點

    62
    00:02:07,880 –> 00:02:11,120
    先搞清楚錢都花去哪了

    63
    00:02:11,120 –> 00:02:13,240
    第二周 節流行動

    64
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    經過第一周的槃點

    65
    00:02:14,560 –> 00:02:17,240
    我們已經搞清楚錢都花去哪了

    66
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    現在就是重點削開支的時候了

    67
    00:02:19,800 –> 00:02:22,440
    本周我們要做的就是精准節流

    68
    00:02:22,440 –> 00:02:25,160
    把每一塊錢都花在值得的地方

    69
    00:02:25,160 –> 00:02:25,960
    第一步

    70
    00:02:25,960 –> 00:02:27,920
    把你上周整理出來的支出

    71
    00:02:27,920 –> 00:02:30,600
    按照金額從大到小排一下

    72
    00:02:30,600 –> 00:02:32,800
    你會一眼看出哪些項目是

    73
    00:02:32,800 –> 00:02:35,680
    大魔王 通常最大頭是房租

    74
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    雖然這筆錢短期內不好動

    75
    00:02:38,160 –> 00:02:39,720
    但也可以思考看看

    76
    00:02:39,720 –> 00:02:42,120
    有沒有可能搬去租金更合理

    77
    00:02:42,120 –> 00:02:43,960
    CP值更高的地方

    78
    00:02:43,960 –> 00:02:46,720
    接着看交通費 再來是保險費

    79
    00:02:46,720 –> 00:02:49,320
    很多人買完保險就沒再管了

    80
    00:02:49,320 –> 00:02:51,960
    其實不同保險公司價格差很大

    81
    00:02:51,960 –> 00:02:55,120
    有時候換個方案就能省下不少錢

    82
    00:02:55,120 –> 00:02:58,040
    然后是大家最容易失控的區塊

    83
    00:02:58,040 –> 00:02:59,600
    購物跟外食

    84
    00:02:59,600 –> 00:03:00,800
    這兩項不注意

    85
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    一個月就會默默噴掉好几千

    86
    00:03:03,200 –> 00:03:05,480
    最后別忘了檢查你的訂閱服務

    87
    00:03:05,480 –> 00:03:08,920
    很多APP 影音平台 會員制課程

    88
    00:03:08,920 –> 00:03:10,680
    你可能根本沒在用

    89
    00:03:10,680 –> 00:03:12,640
    卻每個月自動扣款

    90
    00:03:12,640 –> 00:03:16,400
    這些其實全都是可以立刻砍掉的開支

    91
    00:03:16,400 –> 00:03:18,480
    別小看這几十几百元

    92
    00:03:18,480 –> 00:03:20,480
    累積起來超有感

    93
    00:03:20,480 –> 00:03:22,480
    第三周 自動化理財

    94
    00:03:22,480 –> 00:03:24,960
    前兩周我們把收支書里清除

    95
    00:03:24,960 –> 00:03:26,880
    也開始受伸開銷

    96
    00:03:26,880 –> 00:03:29,480
    現在輪到進一步升級財務系統

    97
    00:03:29,480 –> 00:03:30,960
    自動化理財

    98
    00:03:30,960 –> 00:03:34,280
    這周的第一步就是開一個高收益儲蓄賬戶

    99
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    這種賬戶的最大優勢

    100
    00:03:35,920 –> 00:03:38,560
    就是利率比一般活存高不少

    101
    00:03:38,560 –> 00:03:40,880
    而且資金流動性也很強

    102
    00:03:40,880 –> 00:03:42,680
    隨時體領沒問題

    103
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    萬一有突發狀況也能派上用場

    104
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    開好賬戶后關鍵來了

    105
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    設定自動轉賬

    106
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    也就是每個月一領到薪水

    107
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    就自動把一部分錢轉進去

    108
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    強迫自己先存在花

    109
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    那轉多少財合理

    110
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    如果你是剛開始理財的新手

    111
    00:04:00,520 –> 00:04:03,040
    可以從比較保守的比例開始

    112
    00:04:03,040 –> 00:04:04,800
    比如薪水的10%

    113
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    自動轉到高收益儲蓄賬戶

    114
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    5%轉到投資賬戶

    115
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    這樣不會太吃緊

    116
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    又能慢慢養成儲蓄和投資的習慣

    117
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    之后隨着收入提升

    118
    00:04:15,480 –> 00:04:17,760
    再逐步把比例調高

    119
    00:04:17,760 –> 00:04:20,600
    別小看這些固定轉出去的金額

    120
    00:04:20,600 –> 00:04:22,760
    他們就像一顆顆小雪球

    121
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    時間一久真的會越滾越大

    122
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    最重要的是

    123
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    自動化理財可以幫你避開

    124
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    先花后存這個陷阱

    125
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    讓你不用每天煩惱

    126
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    要不要存錢

    127
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    錢就默默幫你自己累積起來了

    128
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    這就是把理財

    129
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    變成一種生活習慣的開始

    130
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    第四周 債務清長

    131
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    前三周我們已經把儲蓄跟理財的

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    基礎達穩

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    但如果你身上還被這

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    高利息的債務

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    這些債就像財務自由路上的

    136
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    一顆顆大石頭

    137
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    不搬開走不遠

    138
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    所以這一周我們的重點就是清債

    139
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    第一步把你所有的高利率債務

    140
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    列出來

    141
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    每一筆都要寫清楚三個重點

    142
    00:05:02,080 –> 00:05:03,680
    欠多少利率多少

    143
    00:05:03,680 –> 00:05:05,480
    什么時候要還完

    144
    00:05:05,480 –> 00:05:06,880
    這些數字會告訴你

    145
    00:05:06,880 –> 00:05:09,840
    哪一筆是最急着處理的炸彈

    146
    00:05:09,840 –> 00:05:11,960
    接着就是制定還款計划

    147
    00:05:11,960 –> 00:05:14,360
    有兩種常見做法可以參考

    148
    00:05:14,360 –> 00:05:15,160
    第一種是

    149
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    先還利率最高的債務

    150
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    因為它最傷前

    151
    00:05:18,440 –> 00:05:20,600
    第二種是每個月多還一點

    152
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    哪怕只是多個几百元

    153
    00:05:22,720 –> 00:05:24,600
    也能大幅縮短還款期

    154
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    減少利息之初

    155
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    但說到底計划再好

    156
    00:05:27,800 –> 00:05:29,440
    也要執行才有用

    157
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    從這周開始

    158
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    按表操克准時還款

    159
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    每還完一筆債

    160
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    你就離自由更近一步

    161
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    那個成就感

    162
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    會讓你想繼續努力走下去

    163
    00:05:39,720 –> 00:05:42,040
    擺脫債務不是一息之間的事

    164
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    但你只要肯做

    165
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    做對方法就一定辦得到

    166
    00:05:45,640 –> 00:05:46,400
    第五周

    167
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    應急基金儲備

    168
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    這周我們要來打造

    169
    00:05:49,160 –> 00:05:50,800
    財務安全的防空洞

    170
    00:05:50,800 –> 00:05:52,160
    應急基金

    171
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    簡單說

    172
    00:05:52,800 –> 00:05:55,200
    應急基金就是一筆專門流來

    173
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    應付突發狀況的資金

    174
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    失業生病車子壞掉

    175
    00:05:59,320 –> 00:06:01,080
    這些都是你預料不到

    176
    00:06:01,080 –> 00:06:03,160
    卻又不能不解決的狀況

    177
    00:06:03,160 –> 00:06:04,120
    一般建議准備

    178
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    三到六個月的生活費

    179
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    這樣才能應付最壞的情況

    180
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    給自己一段喘息時間

    181
    00:06:10,000 –> 00:06:11,640
    那怎么存出這筆錢

    182
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    有几個方法

    183
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    你可以試試看

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    第一個

    185
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    從你家里閑置的東西下手

    186
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    整理一下

    187
    00:06:17,600 –> 00:06:19,800
    有沒有可以二手轉賣的物品

    188
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    這些東西都是潛在現金

    189
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    第二個

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    開賦業

    191
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    你會協作

    192
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    會剪片

    193
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    會畫畫

    194
    00:06:26,520 –> 00:06:28,680
    這些技能都有變現的機會

    195
    00:06:28,680 –> 00:06:29,840
    就算沒有專場

    196
    00:06:29,840 –> 00:06:30,920
    像外送

    197
    00:06:30,920 –> 00:06:32,080
    跑車這種

    198
    00:06:32,080 –> 00:06:33,920
    也都能增加收入

    199
    00:06:33,920 –> 00:06:34,800
    第三個就是

    200
    00:06:34,800 –> 00:06:35,720
    把你這几周

    201
    00:06:35,720 –> 00:06:37,280
    節流省下來的錢

    202
    00:06:37,280 –> 00:06:39,440
    直接轉進應急基金賬戶

    203
    00:06:39,440 –> 00:06:41,160
    為了讓這筆錢有安全

    204
    00:06:41,160 –> 00:06:42,320
    又有一點利息

    205
    00:06:42,320 –> 00:06:43,600
    我們一樣可以放進

    206
    00:06:43,600 –> 00:06:45,360
    高收益儲蓄賬戶

    207
    00:06:45,360 –> 00:06:47,200
    資金靈活又有利息

    208
    00:06:47,200 –> 00:06:49,360
    不知不覺就會慢慢變大

    209
    00:06:49,360 –> 00:06:51,040
    這筆錢不是拿來投資的

    210
    00:06:51,040 –> 00:06:52,320
    它的價值在於

    211
    00:06:52,320 –> 00:06:54,320
    讓你面對人生變數時

    212
    00:06:54,320 –> 00:06:55,240
    不會慌

    213
    00:06:55,240 –> 00:06:56,480
    有了這道防線

    214
    00:06:56,480 –> 00:06:59,880
    你的財務地基才真正穩了起來

    215
    00:06:59,880 –> 00:07:00,520
    第六周

    216
    00:07:00,520 –> 00:07:02,320
    開啟投資之旅

    217
    00:07:02,320 –> 00:07:03,040
    前五周

    218
    00:07:03,040 –> 00:07:04,080
    我們已經達下了

    219
    00:07:04,080 –> 00:07:05,560
    穩固的財務地基

    220
    00:07:05,560 –> 00:07:07,840
    現在是時候賣出關鍵一步

    221
    00:07:07,840 –> 00:07:08,960
    開始投資

    222
    00:07:08,960 –> 00:07:10,960
    這周我們要正式走進

    223
    00:07:10,960 –> 00:07:13,240
    財富增值的核心戰場

    224
    00:07:13,240 –> 00:07:14,560
    而對於多數人來說

    225
    00:07:14,560 –> 00:07:16,400
    最穩健又容易上手的

    226
    00:07:16,400 –> 00:07:18,120
    就是指數型投資

    227
    00:07:18,120 –> 00:07:20,760
    其中最推荐的入門選擇就是

    228
    00:07:20,760 –> 00:07:22,440
    標普500指數基金

    229
    00:07:22,440 –> 00:07:24,640
    這只指數是美國市值最大

    230
    00:07:24,640 –> 00:07:25,680
    最具代表性的

    231
    00:07:25,680 –> 00:07:28,600
    500間上市公司的綜合表現

    232
    00:07:28,600 –> 00:07:31,360
    也可以說是美股市場的縮影

    233
    00:07:31,360 –> 00:07:32,840
    你一買進標普500

    234
    00:07:32,840 –> 00:07:34,240
    就等於一次打包

    235
    00:07:34,240 –> 00:07:36,080
    買下這500間公司

    236
    00:07:36,080 –> 00:07:37,360
    不只分散風險

    237
    00:07:37,360 –> 00:07:38,880
    也讓你不用挑股

    238
    00:07:38,880 –> 00:07:39,880
    不用看槃

    239
    00:07:39,880 –> 00:07:43,040
    也能搭上美國整體經濟成長的順風車

    240
    00:07:43,040 –> 00:07:45,200
    那怎么開始投資標普500呢

    241
    00:07:45,200 –> 00:07:46,040
    很簡單

    242
    00:07:46,040 –> 00:07:49,160
    先找一間可信賴的經濟商來開戶

    243
    00:07:49,160 –> 00:07:50,200
    像是OneGuard

    244
    00:07:50,200 –> 00:07:50,960
    Fidelity

    245
    00:07:50,960 –> 00:07:51,840
    Charlotte Schwab

    246
    00:07:51,840 –> 00:07:53,040
    這几間都很穩

    247
    00:07:53,040 –> 00:07:54,080
    手續費也低

    248
    00:07:54,080 –> 00:07:56,600
    我個人使用的是Intervected Brokers

    249
    00:07:56,600 –> 00:07:57,680
    開好戶后

    250
    00:07:57,680 –> 00:07:59,960
    你只要根據自己的資金狀況

    251
    00:07:59,960 –> 00:08:03,360
    選一檔標普500的ETF或共同基金

    252
    00:08:03,360 –> 00:08:04,520
    像是VOO

    253
    00:08:04,520 –> 00:08:05,400
    SPY

    254
    00:08:05,400 –> 00:08:07,240
    FX-AIX這些

    255
    00:08:07,240 –> 00:08:09,160
    買進就完成了第一步

    256
    00:08:09,160 –> 00:08:12,520
    之后我們也可以設定定期定額投資

    257
    00:08:12,520 –> 00:08:14,200
    也就是基金定投

    258
    00:08:14,200 –> 00:08:16,120
    每月固定投入一筆金額

    259
    00:08:16,120 –> 00:08:17,000
    長期下來

    260
    00:08:17,000 –> 00:08:19,040
    付利的力量會慢慢發酵

    261
    00:08:19,040 –> 00:08:20,920
    幫你穩穩累積資產

    262
    00:08:20,920 –> 00:08:23,160
    這周的關鍵是開始

    263
    00:08:23,160 –> 00:08:25,440
    不要等到存很多錢才投資

    264
    00:08:25,440 –> 00:08:26,880
    也不要怕波動

    265
    00:08:26,880 –> 00:08:28,960
    時間才是你最大的盟友

    266
    00:08:28,960 –> 00:08:30,000
    只要開始了

    267
    00:08:30,000 –> 00:08:31,120
    你就已經贏過

    268
    00:08:31,120 –> 00:08:33,400
    還在觀望的大多數人

    269
    00:08:33,400 –> 00:08:35,520
    第七周收入提升

    270
    00:08:35,520 –> 00:08:37,040
    走到這里我們已經把

    271
    00:08:37,040 –> 00:08:39,920
    理財投資債務都穩住了

    272
    00:08:39,920 –> 00:08:41,360
    現在要開始補上

    273
    00:08:41,360 –> 00:08:43,760
    財務飛輪中最關鍵的一塊

    274
    00:08:43,760 –> 00:08:45,160
    讓收入變多

    275
    00:08:45,160 –> 00:08:47,600
    這周的主題就是幫你從不同角度

    276
    00:08:47,600 –> 00:08:48,680
    提升收入

    277
    00:08:48,680 –> 00:08:50,840
    讓進賬跟得上努力

    278
    00:08:50,840 –> 00:08:51,480
    第一步

    279
    00:08:51,480 –> 00:08:54,320
    先從你本業下手爭取加薪

    280
    00:08:54,320 –> 00:08:56,000
    很多人明明表現很好

    281
    00:08:56,000 –> 00:08:57,480
    卻因為不好意思開口

    282
    00:08:57,480 –> 00:08:59,320
    錯過了生心的機會

    283
    00:08:59,320 –> 00:09:01,880
    想談加薪一定要有備而來

    284
    00:09:01,880 –> 00:09:03,000
    你要先搞清楚

    285
    00:09:03,000 –> 00:09:05,480
    自己在市場上這個職位值多少

    286
    00:09:05,480 –> 00:09:07,920
    看看現在薪水是落在偏高

    287
    00:09:07,920 –> 00:09:09,640
    還是偏低的位置

    288
    00:09:09,640 –> 00:09:11,520
    再收集一些產業數據

    289
    00:09:11,520 –> 00:09:13,280
    或值缺行情

    290
    00:09:13,280 –> 00:09:14,720
    做到心中有數

    291
    00:09:14,720 –> 00:09:16,920
    接着准備好你的成果資料

    292
    00:09:16,920 –> 00:09:18,480
    過去半年到一年

    293
    00:09:18,480 –> 00:09:19,800
    你做過哪些案子

    294
    00:09:19,800 –> 00:09:21,280
    幫公司賺了多少

    295
    00:09:21,280 –> 00:09:22,680
    解決了什么問題

    296
    00:09:22,680 –> 00:09:24,040
    這些數字案例

    297
    00:09:24,040 –> 00:09:26,400
    具體貢獻通通整理出來

    298
    00:09:26,400 –> 00:09:29,280
    這樣老板一看就懂你值這個價

    299
    00:09:29,280 –> 00:09:30,680
    還有一點很重要

    300
    00:09:30,680 –> 00:09:32,400
    挑對實機談

    301
    00:09:32,400 –> 00:09:34,640
    不要在主管忙的交投爛額的時候

    302
    00:09:34,640 –> 00:09:35,800
    沖過去講

    303
    00:09:35,800 –> 00:09:38,040
    最好是剛完成一個案子

    304
    00:09:38,040 –> 00:09:38,960
    技效不錯

    305
    00:09:38,960 –> 00:09:40,920
    氣氛也不錯的時候開口

    306
    00:09:40,920 –> 00:09:42,880
    成功几率會高很多

    307
    00:09:42,880 –> 00:09:43,800
    除了加薪

    308
    00:09:43,800 –> 00:09:46,600
    開賦業也是穩定加薪水的辦法

    309
    00:09:46,600 –> 00:09:47,840
    像是自由接案

    310
    00:09:47,840 –> 00:09:49,000
    幫人寫文案

    311
    00:09:49,000 –> 00:09:50,440
    做設計翻譯

    312
    00:09:50,440 –> 00:09:51,200
    賣二手

    313
    00:09:51,200 –> 00:09:52,240
    跑外送

    314
    00:09:52,240 –> 00:09:54,080
    只要能利用下班時間

    315
    00:09:54,080 –> 00:09:54,960
    賺點外快

    316
    00:09:54,960 –> 00:09:56,440
    就是好選擇

    317
    00:09:56,440 –> 00:09:57,440
    再進一步

    318
    00:09:57,440 –> 00:09:59,600
    要想讓收入有突破

    319
    00:09:59,600 –> 00:10:02,040
    最根本的方法還是投資自己

    320
    00:10:02,040 –> 00:10:04,080
    去學習一項高收入技能

    321
    00:10:04,080 –> 00:10:05,360
    像是寫城市

    322
    00:10:05,360 –> 00:10:06,480
    影片剪輯

    323
    00:10:06,480 –> 00:10:07,560
    數位行銷

    324
    00:10:07,560 –> 00:10:10,120
    這些都是現在市場上需求牆

    325
    00:10:10,120 –> 00:10:11,560
    收入高的技能

    326
    00:10:11,560 –> 00:10:13,360
    再不然學會銷售

    327
    00:10:13,360 –> 00:10:15,160
    這是無論在哪個行業

    328
    00:10:15,160 –> 00:10:16,880
    都吃得開的能力

    329
    00:10:16,880 –> 00:10:17,360
    記住

    330
    00:10:17,360 –> 00:10:18,120
    想翻身

    331
    00:10:18,120 –> 00:10:19,880
    光省錢是不夠的

    332
    00:10:19,880 –> 00:10:22,280
    你還得讓錢流進來的水龍頭

    333
    00:10:22,280 –> 00:10:23,320
    越開越大

    334
    00:10:23,320 –> 00:10:26,200
    這一周就是把你收入打開的一周

    335
    00:10:26,200 –> 00:10:28,960
    第八周設定全年儲蓄目標

    336
    00:10:28,960 –> 00:10:29,680
    到了這周

    337
    00:10:29,680 –> 00:10:31,960
    我們要來做一件非常重要的是

    338
    00:10:31,960 –> 00:10:33,880
    替你今年的財務行動

    339
    00:10:33,880 –> 00:10:36,480
    設一個明確的儲蓄目標

    340
    00:10:36,480 –> 00:10:37,560
    這個目標就像

    341
    00:10:37,560 –> 00:10:39,400
    財務旅程上的燈塔

    342
    00:10:39,400 –> 00:10:40,720
    讓你不會走偏

    343
    00:10:40,720 –> 00:10:42,000
    也不會迷路

    344
    00:10:42,000 –> 00:10:43,360
    第一步先搞清楚

    345
    00:10:43,360 –> 00:10:45,680
    你的短期目標和長期目標

    346
    00:10:45,680 –> 00:10:46,840
    像是買車

    347
    00:10:46,840 –> 00:10:47,480
    旅游

    348
    00:10:47,480 –> 00:10:48,880
    這些屬於短期

    349
    00:10:48,880 –> 00:10:49,560
    買房

    350
    00:10:49,560 –> 00:10:50,240
    結婚

    351
    00:10:50,240 –> 00:10:51,040
    退休金

    352
    00:10:51,040 –> 00:10:52,600
    這些就是長期

    353
    00:10:52,600 –> 00:10:53,760
    每個目標都要

    354
    00:10:53,760 –> 00:10:55,640
    明確金額跟期限

    355
    00:10:55,640 –> 00:10:58,120
    不要只是想存多一點

    356
    00:10:58,120 –> 00:10:59,120
    而是要知道

    357
    00:10:59,120 –> 00:11:00,520
    你到底要存多少

    358
    00:11:00,520 –> 00:11:01,840
    多久內存到

    359
    00:11:01,840 –> 00:11:03,040
    接下來我們要算出

    360
    00:11:03,040 –> 00:11:04,560
    每個月要存多少

    361
    00:11:04,560 –> 00:11:05,920
    才追得上目標

    362
    00:11:05,920 –> 00:11:06,640
    這就是你的

    363
    00:11:06,640 –> 00:11:08,040
    越存款任務

    364
    00:11:08,040 –> 00:11:09,080
    現在很多APP

    365
    00:11:09,080 –> 00:11:10,560
    或線上理財工具

    366
    00:11:10,560 –> 00:11:12,400
    都能幫你一鍵搞定

    367
    00:11:12,400 –> 00:11:13,720
    輸入目標金額

    368
    00:11:13,720 –> 00:11:14,760
    目標時間

    369
    00:11:14,760 –> 00:11:15,880
    就能自動算出

    370
    00:11:15,880 –> 00:11:17,760
    你每月要存多少

    371
    00:11:17,760 –> 00:11:18,960
    這邊有個小技巧

    372
    00:11:18,960 –> 00:11:20,240
    把目標寫下來

    373
    00:11:20,240 –> 00:11:22,520
    而且寫得越具體越好

    374
    00:11:22,520 –> 00:11:23,200
    像是

    375
    00:11:23,200 –> 00:11:25,120
    我要在今年12月底前

    376
    00:11:25,120 –> 00:11:26,320
    存到15萬

    377
    00:11:26,320 –> 00:11:28,440
    當做買車的頭七款

    378
    00:11:28,440 –> 00:11:29,680
    然后把這目標

    379
    00:11:29,680 –> 00:11:31,680
    貼在你每天看得到的地方

    380
    00:11:31,680 –> 00:11:33,120
    比如書桌牆上

    381
    00:11:33,120 –> 00:11:34,080
    手機桌布

    382
    00:11:34,080 –> 00:11:35,480
    天天提醒自己

    383
    00:11:35,480 –> 00:11:37,040
    如果你願意更進一步

    384
    00:11:37,040 –> 00:11:39,320
    把目標公開分享給身邊的人

    385
    00:11:39,320 –> 00:11:41,080
    不管是朋友 家人

    386
    00:11:41,080 –> 00:11:42,800
    甚至社群平台上

    387
    00:11:42,800 –> 00:11:45,240
    都能提高你實現目標的成功率

    388
    00:11:45,240 –> 00:11:46,360
    因為有人在看

    389
    00:11:46,360 –> 00:11:47,720
    有人在支持

    390
    00:11:47,720 –> 00:11:49,000
    你比較不容易

    391
    00:11:49,000 –> 00:11:50,360
    伴途放棄

    392
    00:11:50,360 –> 00:11:51,240
    這周的重點

    393
    00:11:51,240 –> 00:11:53,320
    就是讓努力存錢這件事

    394
    00:11:53,320 –> 00:11:55,120
    不再只是模糊的概念

    395
    00:11:55,120 –> 00:11:56,760
    而是變成一個清楚

    396
    00:11:56,760 –> 00:11:57,600
    有方向

    397
    00:11:57,600 –> 00:11:59,520
    能追蹤的具體行動

    398
    00:11:59,520 –> 00:12:01,040
    把財務旅程照亮

    399
    00:12:01,040 –> 00:12:03,600
    我們才走得長走得遠

    400
    00:12:03,600 –> 00:12:04,240
    第九周

    401
    00:12:04,240 –> 00:12:06,000
    信用卡使用策略

    402
    00:12:06,000 –> 00:12:06,680
    走到這周

    403
    00:12:06,680 –> 00:12:07,840
    我們要來處理一把

    404
    00:12:07,840 –> 00:12:09,360
    財務界的雙面刃

    405
    00:12:09,360 –> 00:12:10,280
    信用卡

    406
    00:12:10,280 –> 00:12:10,880
    用的好

    407
    00:12:10,880 –> 00:12:12,360
    它是你累積回饋

    408
    00:12:12,360 –> 00:12:14,240
    靈活資金的好工具

    409
    00:12:14,240 –> 00:12:14,880
    用不好

    410
    00:12:14,880 –> 00:12:17,440
    分分鐘把你推進債務深淵

    411
    00:12:17,440 –> 00:12:18,480
    先來看好處

    412
    00:12:18,480 –> 00:12:19,760
    信用卡超方便

    413
    00:12:19,760 –> 00:12:21,160
    可以延后付款

    414
    00:12:21,160 –> 00:12:22,000
    賺回饋

    415
    00:12:22,000 –> 00:12:22,880
    拿優惠

    416
    00:12:22,880 –> 00:12:24,800
    還有不少卡片有積分

    417
    00:12:24,800 –> 00:12:27,320
    現金回饋或禮成兌換

    418
    00:12:27,320 –> 00:12:28,640
    等於是消費同時

    419
    00:12:28,640 –> 00:12:29,880
    又在賺點數

    420
    00:12:29,880 –> 00:12:31,520
    有些人在緊急時刻

    421
    00:12:31,520 –> 00:12:34,120
    也會靠信用卡先撐過一段時間

    422
    00:12:34,120 –> 00:12:35,200
    但問題來了

    423
    00:12:35,200 –> 00:12:36,920
    風險也很現實

    424
    00:12:36,920 –> 00:12:39,080
    最常見的就是過度消費

    425
    00:12:39,080 –> 00:12:40,280
    刷卡太容易

    426
    00:12:40,280 –> 00:12:41,240
    一划就過

    427
    00:12:41,240 –> 00:12:42,200
    不通不揚

    428
    00:12:42,200 –> 00:12:43,440
    等到賬單來的時候

    429
    00:12:43,440 –> 00:12:45,560
    才發現自己暴欲算

    430
    00:12:45,560 –> 00:12:47,440
    而一旦無法全額絞清

    431
    00:12:47,440 –> 00:12:48,760
    就會被高額利息

    432
    00:12:48,760 –> 00:12:49,640
    跟致那金

    433
    00:12:49,640 –> 00:12:50,520
    追着跑

    434
    00:12:50,520 –> 00:12:52,440
    債務一下就滾大

    435
    00:12:52,440 –> 00:12:53,400
    那該怎么辦

    436
    00:12:53,400 –> 00:12:55,640
    這邊有兩種不同的使用策略

    437
    00:12:55,640 –> 00:12:56,400
    重點在於

    438
    00:12:56,400 –> 00:12:58,360
    你自控力夠不夠強

    439
    00:12:58,360 –> 00:12:59,680
    如果你是那種該花

    440
    00:12:59,680 –> 00:13:01,880
    才花絕不亂刷的類型

    441
    00:13:01,880 –> 00:13:03,360
    那你就可以把信用卡

    442
    00:13:03,360 –> 00:13:04,680
    當成理財工具

    443
    00:13:04,680 –> 00:13:06,440
    好好利用各種回饋

    444
    00:13:06,440 –> 00:13:07,240
    甚至設定

    445
    00:13:07,240 –> 00:13:09,160
    每月固定刷卡項目

    446
    00:13:09,160 –> 00:13:11,040
    向水電費交通費

    447
    00:13:11,040 –> 00:13:12,360
    賺好賺滿

    448
    00:13:12,360 –> 00:13:13,320
    但如果你常常

    449
    00:13:13,320 –> 00:13:14,720
    一不小心就手划

    450
    00:13:14,720 –> 00:13:16,680
    看到促銷就忍不住刷

    451
    00:13:16,680 –> 00:13:18,400
    那真的要小心

    452
    00:13:18,400 –> 00:13:20,600
    你可以選擇降低信用額度

    453
    00:13:20,600 –> 00:13:22,480
    不給自己亂花的空間

    454
    00:13:22,480 –> 00:13:23,720
    更很一點的做法

    455
    00:13:23,720 –> 00:13:25,240
    就是干脆不刷卡

    456
    00:13:25,240 –> 00:13:27,560
    回到現金或扣帳卡

    457
    00:13:27,560 –> 00:13:30,200
    讓每一筆消費都更有使感

    458
    00:13:30,200 –> 00:13:32,360
    幫助你更克制花錢

    459
    00:13:32,360 –> 00:13:33,880
    信用卡不是不能用

    460
    00:13:33,880 –> 00:13:35,600
    而是要看你怎么用

    461
    00:13:35,600 –> 00:13:36,840
    這周就來幫自己

    462
    00:13:36,840 –> 00:13:39,640
    擬定一套專屬的信用卡策略

    463
    00:13:39,640 –> 00:13:41,200
    讓它成為你的幫手

    464
    00:13:41,200 –> 00:13:43,600
    而不是讓它牽着你走

    465
    00:13:43,600 –> 00:13:44,400
    第十周

    466
    00:13:44,400 –> 00:13:45,800
    跟蹤淨資產

    467
    00:13:45,800 –> 00:13:47,680
    這周我們要開始建立一個

    468
    00:13:47,680 –> 00:13:50,640
    真正能衡量你財務實力的指標

    469
    00:13:50,640 –> 00:13:52,080
    淨資產追蹤

    470
    00:13:52,080 –> 00:13:53,200
    什么是淨資產

    471
    00:13:53,200 –> 00:13:55,160
    簡單說就是你擁有的

    472
    00:13:55,160 –> 00:13:57,880
    所有資產減掉你欠的所有債

    473
    00:13:57,880 –> 00:14:00,960
    這個數字就是你目前的財務加底

    474
    00:14:00,960 –> 00:14:04,000
    現金 股票 房產都算資產

    475
    00:14:04,000 –> 00:14:07,160
    房貸 學貸 信用卡債都是負債

    476
    00:14:07,160 –> 00:14:09,600
    兩者相減就是你的淨資產

    477
    00:14:09,600 –> 00:14:12,080
    這個數字不只是看個開心而已

    478
    00:14:12,080 –> 00:14:14,920
    它可以幫你真正看懂自己到底是

    479
    00:14:14,920 –> 00:14:16,520
    穩定累積財富

    480
    00:14:16,520 –> 00:14:19,520
    還是其實在原地打賺甚至倒退

    481
    00:14:19,520 –> 00:14:20,800
    算一次還不夠

    482
    00:14:20,800 –> 00:14:22,880
    關鍵在於定期追蹤

    483
    00:14:22,880 –> 00:14:25,200
    建議你可以每個月獲美計

    484
    00:14:25,200 –> 00:14:27,760
    固定做一次淨資產槃點

    485
    00:14:27,760 –> 00:14:29,480
    像是財務體檢一樣

    486
    00:14:29,480 –> 00:14:31,440
    觀察它是往上成長

    487
    00:14:31,440 –> 00:14:33,240
    還是連續下滑

    488
    00:14:33,240 –> 00:14:36,200
    只要出現波動就要馬上找原因

    489
    00:14:36,200 –> 00:14:38,320
    比如如果淨資產一直掉

    490
    00:14:38,320 –> 00:14:40,320
    可能是你投資縮水

    491
    00:14:40,320 –> 00:14:43,400
    也可能是新借了錢或卡費便多

    492
    00:14:43,400 –> 00:14:46,280
    針對不同狀況要釆取不同的策略

    493
    00:14:46,280 –> 00:14:48,120
    像是調整投資組合

    494
    00:14:48,120 –> 00:14:49,480
    降低風險部位

    495
    00:14:49,480 –> 00:14:52,400
    或是加快傾債進度 控制支出

    496
    00:14:52,400 –> 00:14:55,160
    讓整體財務回到健康軌道上

    497
    00:14:55,160 –> 00:14:57,200
    這一周的任務就是開始養成

    498
    00:14:57,200 –> 00:14:59,400
    追蹤自己淨資產的習慣

    499
    00:14:59,400 –> 00:15:02,120
    讓你對自己的財務狀況不再模糊

    500
    00:15:02,120 –> 00:15:04,200
    而是真正做到心中有數

    501
    00:15:04,200 –> 00:15:05,400
    進退有據

    502
    00:15:05,400 –> 00:15:07,480
    這一步就是財務自由路上的

    503
    00:15:07,480 –> 00:15:09,240
    精准導航儀

    504
    00:15:09,240 –> 00:15:10,120
    第十一周

    505
    00:15:10,120 –> 00:15:12,440
    回顧與查漏補缺

    506
    00:15:12,440 –> 00:15:14,000
    走到這里我們已經完成了

    507
    00:15:14,000 –> 00:15:15,960
    十周的財務強化訓練

    508
    00:15:15,960 –> 00:15:18,760
    該存的存了該投資的也啟動了

    509
    00:15:18,760 –> 00:15:20,920
    但這時候最重要的事情就是

    510
    00:15:20,920 –> 00:15:22,040
    回頭看一眼

    511
    00:15:22,040 –> 00:15:24,080
    自己到底做的怎么樣

    512
    00:15:24,080 –> 00:15:27,040
    這周的任務就是來一場財務總體檢

    513
    00:15:27,040 –> 00:15:29,640
    從頭到尾回顧自己的支出狀況

    514
    00:15:29,640 –> 00:15:31,720
    看看有沒有哪里還藏着漏洞

    515
    00:15:31,720 –> 00:15:32,880
    沒補起來

    516
    00:15:32,880 –> 00:15:35,480
    先打開你之前紀錄收支的表格

    517
    00:15:35,480 –> 00:15:36,600
    按照必要支出

    518
    00:15:36,600 –> 00:15:37,680
    可選支出

    519
    00:15:37,680 –> 00:15:38,640
    債務支出

    520
    00:15:38,640 –> 00:15:39,720
    這三大類

    521
    00:15:39,720 –> 00:15:41,720
    重新檢查每一筆錢

    522
    00:15:41,720 –> 00:15:43,240
    花的合不合理

    523
    00:15:43,240 –> 00:15:45,920
    然后拿出第一周的數據來比對

    524
    00:15:45,920 –> 00:15:47,840
    看你這几周下來的支出

    525
    00:15:47,840 –> 00:15:50,160
    是不是有明顯改善

    526
    00:15:50,160 –> 00:15:52,040
    還是又默默花回去了

    527
    00:15:52,040 –> 00:15:53,160
    這一步的關鍵

    528
    00:15:53,160 –> 00:15:56,360
    就是找出那些你原本沒注意到的小破洞

    529
    00:15:56,360 –> 00:15:58,520
    可能是一個不常用的訂閱

    530
    00:15:58,520 –> 00:15:59,800
    還在扣錢

    531
    00:15:59,800 –> 00:16:02,280
    一筆原本說要省下來的花費

    532
    00:16:02,280 –> 00:16:03,560
    又默默出現了

    533
    00:16:03,560 –> 00:16:04,600
    這些小地方

    534
    00:16:04,600 –> 00:16:08,120
    都可能是默默在偷你錢的財務小偷

    535
    00:16:08,120 –> 00:16:09,320
    找到問題后

    536
    00:16:09,320 –> 00:16:11,000
    就要立刻調整

    537
    00:16:11,000 –> 00:16:12,800
    該取消的訂閱砍掉

    538
    00:16:12,800 –> 00:16:14,200
    該限制的開支

    539
    00:16:14,200 –> 00:16:15,800
    設個預算提行

    540
    00:16:15,800 –> 00:16:18,200
    甚至直接在賬戶設限額

    541
    00:16:18,200 –> 00:16:20,080
    這些微調看起來小

    542
    00:16:20,080 –> 00:16:23,360
    實際上是幫你的財務系統補強地基

    543
    00:16:23,360 –> 00:16:25,200
    這周不需要追求成長

    544
    00:16:25,200 –> 00:16:27,760
    而是確保你沒再偷偷漏水

    545
    00:16:27,760 –> 00:16:29,160
    讓你的財務計划

    546
    00:16:29,160 –> 00:16:31,040
    不是只靠熱血開頭

    547
    00:16:31,040 –> 00:16:34,400
    而是真的能長期穩穩執行下去

    548
    00:16:34,400 –> 00:16:36,640
    穩就是這周的主軸

    549
    00:16:36,640 –> 00:16:38,880
    第十二周規划未來目標

    550
    00:16:38,880 –> 00:16:40,440
    終於來到第十二周了

    551
    00:16:40,440 –> 00:16:41,960
    我們的財務逆襲計划

    552
    00:16:41,960 –> 00:16:43,800
    也走到了最后一站

    553
    00:16:43,800 –> 00:16:45,160
    但這不代表結束

    554
    00:16:45,160 –> 00:16:47,400
    反而是一個全新的開始

    555
    00:16:47,400 –> 00:16:49,440
    這周的任務就是站高一點

    556
    00:16:49,440 –> 00:16:50,520
    看遠一點

    557
    00:16:50,520 –> 00:16:53,480
    為未來畫出一張清楚的財務藍圖

    558
    00:16:53,480 –> 00:16:55,440
    我們會從三個時間點

    559
    00:16:55,440 –> 00:16:56,640
    來設定目標

    560
    00:16:56,640 –> 00:16:58,800
    一年五年十年

    561
    00:16:58,800 –> 00:17:00,680
    一年內的目標比較具體

    562
    00:17:00,680 –> 00:17:02,480
    像是存一筆旅游基金

    563
    00:17:02,480 –> 00:17:04,840
    買筆電 還清小額債務

    564
    00:17:04,840 –> 00:17:06,400
    只要有計划的儲蓄

    565
    00:17:06,400 –> 00:17:08,080
    其實都可以辦到

    566
    00:17:08,080 –> 00:17:10,000
    五年目標就更進階了

    567
    00:17:10,000 –> 00:17:12,040
    像是買房 籌備婚禮

    568
    00:17:12,040 –> 00:17:14,160
    轉值進修 創業等等

    569
    00:17:14,160 –> 00:17:15,920
    這些目標金額比較大

    570
    00:17:15,920 –> 00:17:18,800
    需要你開始更積極的優化投資

    571
    00:17:18,800 –> 00:17:19,960
    提升收入

    572
    00:17:19,960 –> 00:17:21,680
    可能還得搭配復業

    573
    00:17:21,680 –> 00:17:24,720
    或更明確的存錢策略才能實現

    574
    00:17:24,720 –> 00:17:25,760
    十年目標

    575
    00:17:25,760 –> 00:17:28,560
    就是那種改變人生軌道等級的夢想

    576
    00:17:28,560 –> 00:17:30,880
    比如財務自由 提早退休

    577
    00:17:30,880 –> 00:17:32,600
    一居海外生活

    578
    00:17:32,600 –> 00:17:33,840
    聽起來很遠

    579
    00:17:33,840 –> 00:17:36,560
    但當你把目標拆成具體的步驟

    580
    00:17:36,560 –> 00:17:37,640
    按年去追

    581
    00:17:37,640 –> 00:17:39,320
    就會發現它其實是

    582
    00:17:39,320 –> 00:17:40,920
    可達成的大目標

    583
    00:17:40,920 –> 00:17:42,000
    不是幻想

    584
    00:17:42,000 –> 00:17:44,240
    記住 目標不是寫爽的

    585
    00:17:44,240 –> 00:17:46,560
    是用來引導你每天行動的

    586
    00:17:46,560 –> 00:17:48,760
    如果你不知道5年后要去哪

    587
    00:17:48,760 –> 00:17:51,600
    那你每天的努力就很容易失焦

    588
    00:17:51,600 –> 00:17:54,640
    所以這周請你好好靜下來問問自己

    589
    00:17:54,640 –> 00:17:56,400
    我一年后想要什么

    590
    00:17:56,400 –> 00:17:57,680
    5年后在哪里

    591
    00:17:57,680 –> 00:18:00,080
    10年后希望過什么樣的生活

    592
    00:18:00,080 –> 00:18:01,240
    然后寫下來

    593
    00:18:01,240 –> 00:18:04,480
    把它變成你未來財務行動的方向槃

    594
    00:18:04,480 –> 00:18:07,240
    這就是我們90天計划的最終步驟

    595
    00:18:07,240 –> 00:18:09,960
    讓財務不只是當下的應對

    596
    00:18:09,960 –> 00:18:12,080
    而是你人生藍圖的一部分

    597
    00:18:12,080 –> 00:18:13,200
    從現在起

    598
    00:18:13,200 –> 00:18:15,200
    你不只是在管理金錢

    599
    00:18:15,200 –> 00:18:17,040
    而是在設計你的未來

    600
    00:18:17,040 –> 00:18:18,920
    設定好長期目標之后

    601
    00:18:18,920 –> 00:18:19,920
    接下來要做的

    602
    00:18:19,920 –> 00:18:22,520
    就是把這些看起來很遠的夢想

    603
    00:18:22,520 –> 00:18:25,240
    拆解成具體的短期行動計划

    604
    00:18:25,240 –> 00:18:27,760
    一步一步走 才走得到

    605
    00:18:27,760 –> 00:18:28,640
    舉個例子

    606
    00:18:28,640 –> 00:18:31,280
    如果你設定的是5年內買房

    607
    00:18:31,280 –> 00:18:32,800
    那我們就來拆解一下

    608
    00:18:32,800 –> 00:18:34,360
    這個目標怎么落地

    609
    00:18:34,360 –> 00:18:35,120
    第一步

    610
    00:18:35,120 –> 00:18:37,520
    先根據房價首付比例

    611
    00:18:37,520 –> 00:18:40,280
    計算出你要准備多少資備款

    612
    00:18:40,280 –> 00:18:42,400
    假設目標是存到300萬

    613
    00:18:42,400 –> 00:18:44,120
    那你可以再往回推

    614
    00:18:44,120 –> 00:18:46,560
    平均每年每月要存多少

    615
    00:18:46,560 –> 00:18:48,760
    目標就會變得很具體

    616
    00:18:48,760 –> 00:18:51,520
    再來我們從三個方向來做努力

    617
    00:18:51,520 –> 00:18:52,520
    在支出面

    618
    00:18:52,520 –> 00:18:53,800
    進一步優化預算

    619
    00:18:53,800 –> 00:18:55,840
    把不必要的開銷刪掉

    620
    00:18:55,840 –> 00:18:57,480
    像是沒在看的訂閱

    621
    00:18:57,480 –> 00:18:59,680
    偶爾買卻不常用的雜物

    622
    00:18:59,680 –> 00:19:00,760
    能省就省

    623
    00:19:00,760 –> 00:19:01,760
    在收入面

    624
    00:19:01,760 –> 00:19:03,720
    思考怎么讓自己升級

    625
    00:19:03,720 –> 00:19:05,760
    是去爭取升值加薪

    626
    00:19:05,760 –> 00:19:07,240
    還是發展復業

    627
    00:19:07,240 –> 00:19:09,800
    又或者投入一些時間去學一個

    628
    00:19:09,800 –> 00:19:12,080
    能讓你未來更值錢的技能

    629
    00:19:12,080 –> 00:19:15,320
    越早布局未來的收入潛力就越大

    630
    00:19:15,320 –> 00:19:16,240
    在投資面

    631
    00:19:16,240 –> 00:19:17,640
    每月存下來的錢

    632
    00:19:17,640 –> 00:19:19,640
    別全都放活存

    633
    00:19:19,640 –> 00:19:21,120
    可以一部分放進

    634
    00:19:21,120 –> 00:19:22,640
    高收益儲蓄賬戶

    635
    00:19:22,640 –> 00:19:23,840
    另一部分放進

    636
    00:19:23,840 –> 00:19:26,560
    債券基金或穩健型ETF

    637
    00:19:26,560 –> 00:19:28,320
    等資金越來越多時

    638
    00:19:28,320 –> 00:19:30,240
    再慢慢接觸優質個股

    639
    00:19:30,240 –> 00:19:31,720
    讓錢除了存起來

    640
    00:19:31,720 –> 00:19:33,120
    還能幫你長大

    641
    00:19:33,120 –> 00:19:34,200
    最重要的是

    642
    00:19:34,200 –> 00:19:36,400
    每個月要做一次財務復槃

    643
    00:19:36,400 –> 00:19:37,720
    這個月存了多少

    644
    00:19:37,720 –> 00:19:38,720
    花在哪里

    645
    00:19:38,720 –> 00:19:39,920
    有沒有超支

    646
    00:19:39,920 –> 00:19:41,360
    投資技效怎么樣

    647
    00:19:41,360 –> 00:19:43,000
    如果某個環節出問題

    648
    00:19:43,000 –> 00:19:44,240
    就馬上調整

    649
    00:19:44,240 –> 00:19:47,120
    比如這個月突然多了一筆意外支出

    650
    00:19:47,120 –> 00:19:49,840
    下個月就從娛樂費里補回來

    651
    00:19:49,840 –> 00:19:51,280
    或多跑几單復業

    652
    00:19:51,280 –> 00:19:52,800
    把缺口補齊

    653
    00:19:52,800 –> 00:19:55,080
    這種設定執行檢查

    654
    00:19:55,080 –> 00:19:56,400
    修正的循環

    655
    00:19:56,400 –> 00:19:57,720
    就是讓你能真正

    656
    00:19:57,720 –> 00:20:00,080
    賣向財務目標的關鍵節奏

    657
    00:20:00,080 –> 00:20:02,360
    最后我也很想聽聽你的故事

    658
    00:20:02,360 –> 00:20:03,920
    歡迎在留言區分享你的

    659
    00:20:03,920 –> 00:20:05,920
    理財心得目前的挑戰

    660
    00:20:05,920 –> 00:20:07,320
    或你設定的目標

    661
    00:20:07,320 –> 00:20:09,080
    好了今天的節目就到這邊

    662
    00:20:09,080 –> 00:20:10,800
    喜歡這系列內容的話

    663
    00:20:10,800 –> 00:20:11,720
    記得點個贊

    664
    00:20:11,720 –> 00:20:12,960
    訂閱我們的頻道

    665
    00:20:12,960 –> 00:20:14,120
    這里是堆金積玉

    666
    00:20:14,120 –> 00:20:15,280
    我們下期再見

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