只“学”不“用”（这是大多数中国学生的写照）的下场就是在十几年之后依然在学依然无用（这是大多数中国学生的现实）。 “学一辈子”，却坚持“一辈子不用”的原因就在于害怕犯错。儿时犯错往往招致惩罚，成年之后，就算没有来自他人的惩罚，还有因为犯错而导致自己自卑和尴尬，所以，很多人是“不惜一切代价”避免出错的。然而，要知道知识的习得过程离不开试错，没有试错，就不可能有全面而真实的进步。所以，要知道犯错是正常的，甚至是不可或缺的。做事的时候，出错是必然的，如果正在做事却一点错都没有，那不是做事 ── 那是在做梦。 ...
1. Do consumers recognize that they have the problem you are trying to solve? 2. If there was a solution, would they buy it? 3. Would they buy it from us? 4. Can we build a solution for that problem?" The common tendency of product development is to skip straight to the fourth question and build a solution before confirming that customers have the problem.
追求财富，而不是金钱或地位。财富是指在你睡觉时仍能为你赚钱的资产。金钱是我们转换时间和财富的方式。地位是你在社会等级体系中所处的位置。 Note - Location 321 社会地位是个 0 和游戏 ...
当涉及风险管理时，有许多有用的工具和方法可以帮助你降低财务风险并更好地管理你的资产。以下是一些值得考虑的风险管理工具和方法： 保险： 购买适当的保险是最基本和重要的风险管理工具。健康保险、车险、家庭财产保险、寿险等能够在发生意外或灾害时为你提供经济支持和保障。 ...
1 几乎所有人都有定投的资格和能力 Highlight(yellow) - Location 135 定投这个策略，包括以下几个要点：标的究竟是什么？长期究竟是多久？定期究竟是多长的间隔？每次投入至少多少金额？ ...
00.20160729 出售时间的三条铁律 ★ Highlight(blue) - Location 163 出售时间的三条铁律：成长才是根本关键，重视价值忽略估值，耐心比什么都重要。 Highlight(blue) - Location 167 所谓的个人财富自由，指的就是某个人再也用不着为了满足生活必需而出售自己的时间了。 ...
特别注重仪式感的人，是注重形式大于内容的人——这样的人比较虚荣和在意别人的看法。
人在不健康的状态，不仅严重影响生活，还会变得脆弱。很多困难平时咬咬牙扛过去了，身体不健康人的心理就很容易崩溃。年轻时没人把身体当回事，等透支出问题了，才追悔莫及。 身体有小毛病，定期体检，积极治疗。失去了健康，活着就是一种折磨。不健康，你拥有再多也意义不大。 ...
如果一个人没有相应的基因、没有后天良好的教育，那么这类人，是永远没办法通过「讲道理」来沟通的。 只能接受这样的客观事实，只能像动物学家研究生物习性那样，去摸清其他人类的行为特征，将他们视为一种普通动物，用各种各样的手段去控制他们，达成自己的目的。 ...
不管思考什么事，最重要的是在一开始就想明白要搭建出怎样的框架。 事实上，一旦有了框架，接下来只要填满就行了。 反之，如果没框架就直接去思考其中的细节,那就不得不面对一堆未经梳理的凌乱信息，白白浪费时间。 ...
usually are full of very similar competitors, fighting it out over price and marginal differences. This saturation makes it hard to enter a market, and even the businesses that are already in that market suffer.
I believe that many bootstrapped businesses only do half the work. They solve a problem, but they don’t address the most critical problem.
You built a solution for customers who think they have that problem under control. You solved the wrong problem. You developed a solution that helps only at the margins. You solved the wrong problem. You built something, but your customers have bigger fish to fry. You solved the wrong problem.
You want to build a “need-to-have” instead of a “nice-to-have.” You want to develop a painkiller instead of a vitamin. You want to be their aspirin. How can this be done? By finding their most important problem: the one issue that is critical to their success. ...
The most crucial problem a customer faces is on their minds most often. It’s the most important because it’s coming up frequently and is never easy to solve. It has the most impact on their lives, but it’s not always the obvious choice. If you can help a customer with their most critical problem, they will benefit the most.
A Critical Problem Is Painful Problems can be a nuisance. They come up, and you either deal with them or ignore them. We can’t ignore critical problems. They persistently make the lives of those who have them harder until they are resolved. They can’t be just ignored, because they consistently reduce the quality of life.
Find the critical problem where ignoring something causes a lower quality of life.
Find the critical problem at the intersection of something mandatory and something wasteful. 关键问题总是位于强制与浪费的交叉点
A Critical Problem Is Not Optional Some things can be ignored or delegated, but a critical problem can’t be. If it’s critical, people will have to deal with the problem every time it occurs. They can’t just opt out of it. Solving the problem is essential to making any kind of progress in the work. Find the critical problem where people would love to opt out, but can’t. ...
Find the critical problem where people need to do the same thing over and over again. A Critical Problem Occurs Frequently and Repeatedly The reason why critical problems are always on the minds of your customers is that the problems happen so often. Every day, every week, every month, the critical problems repeatedly occur. For your customers, it’s always the most urgent thing at that time. The issue needs to be solved there and then, every single time. If it’s not frequent, it is likely not a critical problem. If it occurs repeatedly and isn’t easily solved, it is likely to be a critical problem. ...