反常道而行之富人的5个理财好习惯_BEC初级作文

反常道而行之富人的5个理财好习惯

Drink Starbucks coffee whenever you want.If ordering a $4 latte is something that makes your day better, do it. There are plenty of people who have said you could save that $4, watch it compound, and have a larger nest egg in retirement. Absolutely true, but no fun and totally unreasonable. Budgets, like diets, fail because they tell you what not to do. Financial plans, which people on the right side of the thin green line embrace, allow you to make choices and to spend on what matters to you, knowing that you will have to save in other areas to maintain the security of true wealth.

想喝星巴克的时候就去喝。如果点一杯4美元的拿铁可以让你的心情更好，那就别犹豫。有人可能会对你说要省下这4美元，看着它越变越多，让自己有更多退休储备金。他说的没错，但这种做法既无趣又不切实际。做预算就像节食，失败就失败在它只告诉你别去做什么。在“浅绿色线”那头，聪明的富人用“财务计划”来选择把钱花在对自己来说重要的事情上，与此同时，你知道自己必须要在其他地方省，以保证财务安全。

Don’t ever check where the Dow Jones (or any index) closes.For the person with a day-job outside of finance, trying to divine truth from the daily machinations of the stock market is at best a waste of time. At worst, it increases the odds you will be trapped by all the behavioral biases that cause people to make the wrong investing decisions – and become the dumb money of Wall Street. A far better plan is to focus on what you can control: decisions based on socking money away in a broadly diversified, low-cost portfolio and behaviors that allow you not to dip into that money.