学员故事第7期 | 是什么让金融行业出身的他还花钱学投资?

浏览:52856 评论:53
2018-6-7 17:18:34 来自学员 来自手机 [ 复制链接 ]
<div style="text-align: center;"><span style="color: rgb(105, 105, 105); text-align: left;">文 | 随手学院第2期理财训练营 | 职业:金融行业 | 官司铭</span></div><div style="text-align: center;"> 640-240.jpg
</div><div style="text-align: center;"> 配图1.png
</div><b><div style="text-align: center;"><b><font color="#ff8c00">我是谁</font></b></div></b><div style="text-align: center;"> 我是谁.jpg
</div><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif;  letter-spacing: 0.476px; text-align: justify;   ">我是一家私募基金的员工,从业6年,从金融小白到基金事业部经理,认识了很多人,学到很多投资策略,但从来没有好好计划过我的财产。</p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>这两年工作上不太顺利,而这两年买房、买车和装修,也把所有的资金消耗殆尽了。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>就打算报几个网课来给自己充电,顺便解决自己开源的问题,于是先报了蓝田的写作变现班。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>因为随手记是写作班推荐的主要投稿渠道之一,变有幸结识了很多喜欢写作,喜欢理财的小伙伴,也是他们向我推荐的赛美老师的理财课。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>因为我也是金融专业出身,平时的理财课并没有什么兴趣,但这次我却选择了花钱学习,原因在于赛美老师的课程表和宣传文案。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>因为我正好打算明年把现有的房子卖掉,再贷款买一套等价的,然后依靠产生的大量现金流去做理财和投资。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>可以说我是冲着第八节房产课来的。文案上说听课会给我不一样的买房方案,首付不够也有办法买房,负债其实一点也不可怕,适当的负债+低风险杠杆,是走向财富自由的必经之路。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>于是,我带着这份对知识的渴望和强烈的好奇心报了这款理财课。</span></p><p style="text-align: center; "> 配图2.png
</p><p style="text-align: center;"><span><b><font color="#f59538">我的收获是什么</font></b></span></p><div style="text-align: center;"> 我的收获.jpg
</div><br><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif;  letter-spacing: 0.476px; text-align: justify;   "><b><font color="#f59538">【第一节课 从惊喜开始】</font></b></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>3月<span>9</span>日第一节课开始,老师就给了我一个极大的惊喜。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>因为我坚持记账一年多,也分析过我的消费结构和收入结构,但从来没有想过把我的房产和保险一起盘点进我们财富结构里,也没有想过我这些资产也是有机会合理利用转化成现金流并创造的财富的,这让我对赛美老师理财课的看法产生了根本性的转变,开始重视起了每一节课以及每一次课后作业。</span></p><p style="text-align: center; "> notebook-1198156_960_720.jpg
</p><br><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><font color="#f59538"><b>【第二节课 唤醒术很赞】</b></font></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>第二节课的银子唤醒术,让我重新重视了每一笔微小的利息。以前中午吃饭后,用手机结账,还为扫了个1毛的红包而高兴过呢。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>现在每月提前把固定的日常花销存入余额宝,每天产生的利息就不止1毛钱了。更何况还有平均每<span>4</span>个月一次的汽车保养和每年一次的旅游呢。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>以前都是存在银行卡里,随用随花,现在却根据不同的周期放入不同的理财产品里,这边赚几十,那边赚几百,到年底也能赚出来一趟旅游的钱了,至少也是一件衣服的价钱。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>想想之前做货币基金,因为每天只有几块钱的收益让我放弃了坚持,突然就有种错过几个亿的感觉。</span></p><p style="text-align: center; "> writing-828911_960_720.jpg
</p><br><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><span><b><font color="#f59538">【第三节课 管道的故事让我开始思考】</font></b></span></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><span><br></span></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>第三节课学开源,帕保罗和布鲁诺的故事让我想到了很多。这么多年的工作,总以为自己很努力了。其实一直都是在挑水。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>花完所有积蓄的我如果现在辞职,我将没有任何的收入可供我继续生活。这确实是一口警钟,是一个醍醐灌顶般的故事。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>本来只是简简单单想通过写作开源,赚取生活费的我,现在想要去做公众号和内容运营,想做到依靠个人ID就可以年入百万。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>并且通过日后积累的资金,进行投资,依靠每年的投资收益,打平日常花销,实现财富自由。</span></p><p style="text-align: center; "> 钱币银行卡数字.jpg
</p><br><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><font color="#f59538"><b>【第四节课 重新认知预算】</b></font></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>预算的重要性我一直都知道,但从来没有做好过,设定好的预算总是破了再破,没有上限。总是觉得每一笔钱都该花,都不能省。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>有时候发现这月花钱多了,就从心里下决定,下月一定要少花,结果辛辛苦苦坚持节流了半个多月,眼看着当月花销不会超过预算了,突然该交水电费了,突然该交电话费了,突然停车被贴条了……</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>可能是因为之前的预算都是大致的一个数字,没有精算过,也可能是因为我并没有太过于重视这件事,也可能是我运气真的太差,真的很少有能把钱控制在预算内的时候。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>不过听完这节课,我才知道我之前那所谓的预算实在太简陋了。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>真正合适的预算,应该是规划好当年每一笔固定要花的钱的周期和数额,根据每月不同的需求和情况制定出来的。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>尽可能摒弃冲动消费的部分,保障基本生活和预留适当消费的预算才算合理的,可执行的预算。</span></p><p style="text-align: center; "> shutterstock_104189261.jpg
</p><br><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><b><font color="#f59538">【<span>第五课 给我的焦虑加个保险</span>】</font></b></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><br></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>听了那么多因为一次意外毁掉小康家庭的例子,终于在严重焦虑的心情的下,开始重视起保险的事情了。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>我和父母都有商业保险,但都是20年前保险刚流行那段时间入的,保额都是固定的<span>10</span>万。</span><span>放在现在来看,几乎没有什么保障能力。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>现在的我已经</span><span>30</span><span>岁了,常年在办公室工作,明显能感觉到身体各方面开始走下坡路了,而父母这个年纪,也是迈入了大病的高发期,真的很担心多年积累的财富被一场大病卷走。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>课后专门跟辅导老师交流,帮我指定了很详细的保险搭配,让我可以在未来财富的积累上没有后顾之忧。</span></p><p style="text-align: center; "> 02J67770(东方).jpg
</p><br><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><font color="#f59538"><b>【第六课 设定理财目标,投资从基金定投开始】</b></font></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>这一节对我来说比较简单了,毕竟这么多年来的工作,经常帮客户打理财产,分析股票和基金。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>但我从来没有坚持自己操作过,因为如果我把我持有的股票、基金项目推荐给客户,那我就会从心里认定这支股票一定会上涨,就会变的不够客观。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>这也是为什么有从业人员不能从事相关项目投资的原因之一。但基金定投的好处是不要有过多的干预,并且长期坚持才有效果。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>这节课对我印象最深的一点,是每一支基金要对应一件未来要完成的事情,于是下课后马上跟辅导老师沟通选基经验,并选定2只基金作为我换车和旅游的财富积累通道,设定了<span>1</span>年和<span>3</span>年的投资周期,一定坚持完成。</span></p><p style="text-align: center; "> org_2016050243623_983.jpg
</p><br><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><font color="#f59538"><b>【第七课 提前给“碎钞机”积累教育金】</b></font></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>之前就看过好多篇文章描述养一个孩子到结婚需要花多少钱,但除了焦虑和心累没有任何办法。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>虽然我现在还没有孩子,但一直有专门为孩子开账户攒钱的觉悟,但一直事与愿违,就像赛美老师说的,人们总是高估了自己的储蓄能力,低估了自己的花钱能力。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>听完课后,专门研究了三三法则,保险年金确实是一项非常好的理财方式,已经列入我未来的计划中。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>而房产目前也有了目标,一个50平米的公寓,只需交<span>25</span>平的钱就能买到,等到孩子<span>10</span>岁<span>20</span>岁的时候,有着巨大的升值空间。</span></p><p style="text-align: center; "> money-256282.jpg
</p><br><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><font color="#f59538"><b>【第八课 梦寐以求的房产投资】</b></font></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>赛美老师给的案例都对我有很大的帮助,尤其后面两个。跟我现在的情况很像,有房产,缺少现金流,保险额度不足。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>虽然现在的政策不能完全照搬案例里的方案,但已经彻底打开了我的思路。只要我能找到贷款利息和投资理财收益的平衡点后,就可以去尝试运作了。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>希望未来的我,有资产,有没有造成压力的负债,和每年10万左右的理财收入。</span></p><p style="text-align: center; "> photo-1464566024458-540310eec1a5.jpg
</p><br><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif;  letter-spacing: 0.476px; text-align: justify;   "><span><font color="#f59538"><b>【回顾篇 年终总结少不了】</b></font></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif;  letter-spacing: 0.476px; text-align: justify;   "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>最后一节课是回顾篇,做财务年终总结。理财不等于投资,不是简单的钱生钱,不必刻意去追求过高的投资收益率。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>重要是每一笔钱都有相应的目标和规划,通过时间的积累,让人生每一个重要的阶段都可以安全平稳的度过。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>而年度规划和年终总结就是让我更加清晰明确的理顺每一个目标完成的进度和状况的。</span></p><p style="text-align: center; "> 配图3.png
</p><p style="text-align: center;"><span><font color="#f59538"><b>我的下一步行动计划</b></font></span></p><p><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>通过理财课,感觉自己进步很多,尤其是思维方式上的。让我知道理财不仅仅是要打理手头的财产,更多的是规划好自己的一生。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>最重要的是,富人没有靠储蓄积累财富的,而适当的负债和明确的目标才是致富的必经之路。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><font color="#f59538"><b>【目前计划从4个方面去改变自己】</b></font></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><b>1.&nbsp;跳槽。</b></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>目前的工作已经没有升职机会,再加上目前公司发展急速衰退,收入下降的严重。急需一个合适的机会离开这里,从新开始。这一个计划目前已经完成,在月初已经成功跳槽,现在在另一家金融机构做渠道扩展部门做负责人。基础的工作收入有了极大的提高。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><b>2.&nbsp;补全保险。</b></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>为以后稳定的财富升值中,免除后顾之忧。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><b>3.&nbsp;买房子或者抵押贷款。</b></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>把资产转换成现金,弥补目前现金流缺失的问题,同时有更多的现金去做基金,买保险,做投资,产生稳定的理财收入。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><b>4.&nbsp;继续开源,建立赚钱管道。</b></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span>因为对写作感兴趣,再加上最近连续投稿成功给予我极大的信心,准备从公众号入手,打造个人ID,学习内容营销。</span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span><br></span></p><p style="  Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;    "><span style=" Microsoft Yahei&quot;, Simsun;  ">2018年理财学院第4期训练营正火热报名中,赶紧来加入我们一起做同学变有钱!</span><span><br></span></p><p style="text-align: center; "><img class="imgs" src="https://bbsimg.feidee.com/data/attachment/forum/201806/cdfc9add89837357c2c2e1.jpg"></p><div style="text-align: center;"><b>(长按保存图片,打开微信扫一扫,即可报名)</b></div><section class="" data-tools="135编辑器" data-id="92388" style="max-width: 100%;   Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif; letter-spacing: 0.476px; text-align: justify;     "><section data-role="paragraph" class="" style="max-width: 100%;     "><section style="  text-align: center; "></section></section></section>
全部评论 楼主直播
您需要登录后才可以回帖 登录 | 注册
验证码 换一个