其他
中年以后的投资学习：用工资存到财富自由
全国居民家庭收入中位数为33036元 城镇居民家庭收入中位数为47122元 农村居民家庭收入中位数为18748元
Rule 1: Spend Like You Want to Grow Rich
What does it really means to be ‘rich’ or ‘wealthy’, looking beyond houses and cars. This section also looks at how to buy a car as an appreciating asset (hint: buy second hand) and how to spend money to be able to contribute as much as you can to his retirement investments.
什么是真正的“富有”或“财富”，超越房子和汽车的表象。这一部分还探讨了如何将汽车作为增值资产进行购买（提示：买二手车），以及如何花钱以便能够尽量多地为退休投资做贡献。
Rule 2: Use the Greatest Investment Ally You Have
Rule 2 talks extensively about the benefits of compound interest, and the power of combining compound interest with long term investing. When asking when to get into investing, this chapter brings the point home of ‘the earlier the better’.
规则2详细讨论了复利的好处，以及将复利与长期投资相结合的力量。在探讨何时开始投资时，本章强调了“越早越好”的观点。
Rule 3: Small Fees Pack Big Punches
Find out why actively managed mutual funds are bad for you! This chapter looks at how mutual fund managers aren’t any more likely than index funds to succeed, and that the fee you pay to invest in an actively managed fund immediately puts you behind when looking at growing your investment.
了解为什么主动管理的共同基金对你不利！本章探讨了共同基金经理不比指数基金更有可能成功，并且你为投资于主动管理基金支付的费用会在一开始就让你的投资增长落后。
Rule 4: Conquer the Enemy in the Mirror
How do our natural own behaviors work against us as investors. This chapter highlights how to not get caught up in emotions and hype, and how to be calm and patient when investing in index funds. Take the emotion out of investigating s to succeed.
我们的自然行为如何对我们作为投资者不利。本章强调如何不被情绪和炒作所左右，以及在投资指数基金时如何保持冷静和耐心。去除情绪，才能在投资中取得成功。
Rule 5: Build Mountains of Money with a Responsible Portfolio
This chapter clearly explains the difference between stocks and bonds. Learn about level of safety or risk that comes along with investing in either, and the importance of diversifying your index portfolio between different markets. It’s quite simple. Just use a ratio based on your age.
本章清楚地解释了股票和债券之间的区别。了解投资两者所带来的安全性或风险，以及在不同市场之间分散你的指数投资组合的重要性。其实很简单，只需根据你的年龄使用一个比例。
Rule 6: Sample a “Round-the-World” Ticket to Indexing
Learn about specific examples of index portfolios from different countries and the variety of ways to build an index portfolio. This section provides helpful information by providing examples of specific index funds and how to start investing in them.
了解来自不同国家的指数投资组合的具体例子以及构建指数投资组合的多种方式。本节通过提供具体指数基金的例子以及如何开始投资它们，提供了有用的信息。
Rule 7: No, you don’t have to invest on your own
While it seems every financial advisor is trying to take you for a ride –or worse — there are financial advisors who are ethical and are able to assist for a reasonable fee. Yes, really. This chapter shows you how to find them.
尽管看起来每个财务顾问都想占你便宜——甚至更糟——但确实有道德的财务顾问，他们能够以合理的费用提供帮助。是的，真的有。本章教你如何找到他们。
Rule 8: Peek Inside A Pilferer’s Playbook
Banks and financial advisors will likely try to guide you away from investing in index funds. They are often wrong and looking at their own self-interest. This chapter provides some good tips on how you can respond to a financial advisor who isn’t actively helping you in you quest into index funds.
银行和财务顾问很可能试图引导你远离投资指数基金。他们往往是错误的，并且只看重自身利益。本章提供了一些如何应对那些不积极帮助你进行指数基金投资的财务顾问的好建议。
Rule 9: Avoid Seduction
Everyone makes mistakes when investing, and that’s nothing to be ashamed about. Andrew details mistakes he’s made, and describes how easy it is to be seduced into seemingly ‘easy-money’ investments.
每个人在投资时都会犯错，这并不是什么可耻的事。安德鲁详细描述了他所犯的错误，并描述了被看似“轻松赚钱”的投资所诱惑是多么容易。
希望我们可以一起读，一起做长期投资者，早点退休。
哈喽，我是熊子峰，38岁程序员，正在结合AI写作进行自我成长，穿越程序员的中年危机，这是第 120 篇日更文章。
熊子峰思考时刻
阅读是为了改变，我希望修正我对待金钱的错误观念，扩展我对于投资的认知，对未来的财务计划做出调整。
在守住了3%的投资利率的基础上，增加一些有风险，但是风险又不大，适合我做长期投资的渠道； 这些投资，它们长期利率最好高于4%，这样我的退休年龄可以从50再提前一些日子。 这个阶段，我相信一句话：如果你不想承担任何风险，那你也失去了机会。
感谢阅读，点击“关注”、“在看”、“赞”，都是对我的极大鼓励，会温暖我的冬天，谢谢。