Recent Articles

Leverage comes in labor, comes in capital, or it can come through code or media.

Clear accountability is important. Without accountability, you don’t have incentives. Without accountability, you can’t build credibility. But you take risks. You risk failure. You risk humiliation. You risk failure under your own name. 如果你说同学们帮我擦黑板，那么就不会有人擦

There’s not really that much to fear in terms of failure, and so people should take on a lot more accountability than they do.

If you don’t own a piece of a business, you don’t have a path towards financial freedom.

It’s ownership versus wage work. If you are paid for renting out your time, even lawyers and doctors, you can make some money, but you’re not going to make the money that gives you financial freedom. You’re not going to have passive income where a business is earning for you while you are on vacation. Without ownership, your inputs are very closely tied to your outputs. In almost any salaried job, even one paying a lot per hour like a lawyer or a doctor, you’re still putting in the hours, and every hour you get paid. ...

In an investment firm, they’re buying equity. These are the routes to wealth. It doesn’t come through the hours.

I only really want to do things for their own sake. That is one definition of art. Whether it’s business, exercise, romance, friendship, whatever, I think the meaning of life is to do things for their own sake. Ironically, when you do things for their own sake, you create your best work. Even if you’re just trying to make money, you will actually be the most successful. ...

Mental models are concepts that represent your understanding of how something in the world works. Think of driving a car: What do you expect when you press down on the right-side pedal? If the car slows down, you’ll be surprised—that pedal is supposed to be the accelerator. The accuracy of your model of the world determines your expectations, decisions, behavior, and—in the long run—your results. ...

You should to know the problem exactly.

There is a difference between (A) what an MBA does to help you prove your abilities to others . (B) what getting an MBA actually does to improve your abilities. They are two different things.

Make something people want . . . There’s nothing more valuable than an unmet need that is just becoming fixable. If you find something broken that you can fix for a lot of people, you’ve found a gold mine.

It’s not really about hard work. You can work in a restaurant eighty hours a week, and you’re not going to get rich. Getting rich is about knowing what to do, who to do it with, and when to do it. It is much more about understanding than purely hard work. Yes, hard work matters, and you can’t skimp on it. But it has to be directed in the right way. ...

Seek wealth, not money or status. Wealth is having assets that earn while you sleep. Money is how we transfer time and wealth. Status is your place in the social hierarchy. Ignore people playing status games. They gain status by attacking people playing wealth creation games. You’re not going to get rich renting out your time. You must own equity—a piece of a business—to gain your financial freedom. ...

我绝不能让别人认为我很吝啬。于是我经常邀请朋友去餐厅吃饭；我还需要一辆大轿车来展现身份；此外，我还必须支付一些其他费用 —— 税收。最终，我只得求助于这一伟大的发明：信用卡。有了信用卡，我就不用自己付钱了，信用卡公司的人会帮我付款，至少我暂时先不用付钱了 …… 之后我就听到有人说：“他真是个人生赢家，他过的是头等生活。”我过起了头等生活：不喝气泡酒 —— 只喝香槟酒；不吃牛排 —— 只吃上等里脊。我想像一个富人一样，生活在未来世界。而很快，过去以账单、催债信和高贷款利率等方式不断地打扰我。作为一个业绩优异、收入颇丰的销售人员，我总是能够获得新的信用卡。于是我开始进行交替还款，也就是说，我得到一张新的信用卡，然后用新信用卡去还旧信用卡的账单。就这样，我将自己卷入了一个螺旋式下降的财务状态中。 ...

你越努力工作，你老板换豪车豪宅的机会越大。 你今天的收入就是你昨天所做之决定的结果，如果不理解这一点，你就不能说：“现在我要另做选择。

实现财务保障不要去冒险最重要的标准便是金钱的可支配性。你必须每天都有金钱收入。因此，你最好将你的金钱放进保险箱或是投入现金基金当中。在你实现财务保障之前，你都不应该去冒险。因此，你应该选择低风险的投资项目。但就算是这样，你还是要注意管控可能出现的风险。永远不要将你所有的金钱全都投进一个投资项目中，即使“你全部的资金”加起来只有 1000 欧元。记住，对风险的管控就意味着盈利机会的增加。在实现财务保障之前，请保持让财务安全处于中心位置。你应该容忍低利润率，将一部分现金存放在银行储蓄账户中。如果你仍想要投资基金，那么我向你推荐一个存款计划。 ...

首先，我们必须澄清一条重要的原则：你永远不能杀你的“鹅”。你也不能将它切割成小块。绝不能动用你的本金。 你所有的梦想，能借助金蛋来满足。这也意味着，你的金蛋必须大到足以承担你的梦想。 举个例子，你想买一栋房子。如果你已经实现财务自由，那么你无疑可以使用你的资产进行支付。但这样一来，你的资产就会缩水，这当然是你不想看到的。所以，你应该采取分期付款的方式来置办所有的大件，因为你每月的利息就完完全全足够支付了。 ...

大目标比小目标更易于实现，因为问题无法完全挡住你看向大目标的视线。 成功人士总是懂得将自己置于一个“必需的”情境，不实现目标，就永远不会快乐。 当你为自己设立了极限，你就会设法达到你的极限。 你不仅仅要对自己的失败承担责任，也要对你的成功承担责任。 你如果认为成功是不可重复的，就失去了提升自我价值的机会。 一个付出 110 ％努力，主动摒弃所有借口的人，势必取得成功。 你需要一位好教练，一位能够借助自身经验最大化地激发你才能的人。 最先关注自身劣势的人是不会得到财富的。 比赛是消极防御还是主动进攻，两者之间有着天壤之别。 多少人失去了生活的乐趣和变得富有的机会，就是因为他们极力想消除自身的劣势。 你必须为获得财富付出的代价是时间。 但这与你通过财富挣得的时间是不可同日而语的。 财富使你能平心静气地、不带金钱顾虑地思考人生的意义。 ...

明确你想要什么，编制一本与此相关的梦想图册： • 制作一本图册，将会成为你未来生活一部分的东西的图片贴上去。 • 思考你想做什么，你想拥有什么，你想成为什么样的人。 • 请选取那些能够打动你的图片。 • 尽可能频繁地翻看你的梦想图册。 • 之后将眼睛闭上一会儿，想象如果一切成真，你能看到、听到、感觉到、闻到、尝到什么。 ...

•“ 将来我也会为现在拥有的一切感到满足。” •“ 假如我能全力以赴，我就会成为最优秀的。” 这两句话的背后，通常都隐藏着自我欺骗、恐惧和缺乏自我价值感。 ...