《金钱心理学》：财富、人性、心理的终极密码
《金钱心理学》：财富、人性、心理的终极密码
《金钱心理学》是一本全球畅销的理财类图书，自出版以来已狂销超400万册，荣登美国Amazon财富管理类榜首，并获得《华尔街日报》、《福布斯》、《纽约时报》等多家权威媒体的高度评价。该书从心理学角度解读理财行为，揭示了财富、人性与心理之间的深层联系，为读者提供了独特的理财视角和实用的理财智慧。
作者简介
摩根·豪泽尔是合作基金（The Collaborative Fund）的合伙人，同时还是知名理财网站“彩衣弄臣”（The Motley Fool）和《华尔街日报》（The Wall Street Journal）的专栏作家。他凭借卓越的商业写作能力，两次获得美国商业编辑和作家协会（Society of American Business Editors and Writers）颁发的“最佳商业写作奖”（Best in Business Award）和《纽约时报》（The New York Times）颁发的“西德尼奖”（The Sidney Award），并两次入围“杰拉尔德·勒布杰出商业和金融新闻奖”（Gerald Loeb Award for Distinguished Business Writing）。
18条理财智慧
第 1 章 没有人真的对钱失去理智
你对金钱的个人经验可能只有0.00000001%符合实际，但它构成了你对世界运作方式的主观判断的80%。
Your personal experience with money makes up maybe 0.0000001% of what’s happened in the world, but maybe 80%of how you think the world works.
第 2 章 运气与风险
正如我们知道运气在成功中扮演的重要角色，风险的存在也意味着评价自身的失败时，我们应该原谅和理解自己。任何事都没有表面看来那样美好或糟糕。
But more important is that as much as we recognize the role of luck in success, the role of risk means we should forgive ourselves and leave room for understanding when judging failure.
第 3 章 永不知足
- 最难的理财技能是让逐力适可而止。
- 问题的症结在于攀比心态。
- 你在知足心态下获得的东西已经够多了。
- 世界上很多事都不值得冒险，无论潜在收益有多大。
1、The hardest financial skill is getting the goalpost to stop moving. 2. Social comparison is the problem here. 3. “Enough” is not too little. 4. There are many things never worth risking, no matter the potential gain.
第 4 章 复利之谜
好的投资并不一定意味着长期回报最高，因为高回报的投资往往是一次性的，很难重复。好的投资是可以持续获得不错的收益并能长期重复的投资——这正是复利开始大显身手的地方。
Good investing isn’t necessarily about earning the highest returns, because the highest returns tend to be one-off hits that can’t be repeated. It’s about earning pretty good returns that you can stick with, and which can be repeated for the longest period of time. That’s when compounding runs wild.
第 5 章 致富 vs. 守富
致富和守富是两种完全不同的技能。致富需要的是冒险精神、乐观心态，以及放手一搏的勇气。守富需要谦逊和敬畏之心，需要清楚财富来得有多快，去得就有多容易。
Getting money requires taking risks, being optimistic, and putting yourself out there. But keeping money requires the opposite of taking risk. It requires humility, and fear that what you’ve made can be taken away from you just as fast.
第 6 章 尾部的胜利
在商业和投资领域，许多事情都是如此。尾事件在这些领域中有着巨大的影响。这些低发生率，高影响力的少数事件成了决定结果的主要因素。
Long tails—the farthest ends of a distribution of outcomes—have tremendous influence in finance, where a small number of events can account for the majority of outcomes.
第 7 章 自 由
金钱的最大的内在价值是它能赋予你掌控自己时间的能力—这句话没有任何夸张的成分。
Money’s greatest intrinsic value—and this can’t be overstated —is its ability to give you control over your time.
第 8 章 豪车悖论
我们都想通过财富来告诉其他人，自己应该受到他们的爱慕与敬仰。但事实上，其他人常常会跳过敬仰你这一步，把你的财富当作标尺，转而表达自己渴望被爱慕与敬仰的愿望。比起豪车，谦虚、善良和同情心等人格特质才能帮你获得更多尊重。
People tend to wand wealth to signal to others that they should be liked and admired. But in reality those other people often bypass admiring you, not because they don’t think wealth is admirable, but because they use your wealth as a benchmark for their own desire to be liked and admired. Humility, kindness, and empathy will bring you more respect than horsepower ever will.
第 9 章 财富是你看不见的那些
财富是由未被转化为实物的金融资产体现的。想真变得富有，唯一的途径就是别去消耗你拥有的财富。这不仅仅是积累财富的唯一方式，也是富有的真正定义。
Wealth is financial assets that haven’t yet been converted into the stuff you see. The only way to be wealthy is to not spend the money that you do have. It’s not just the only way to accumulate wealth; it’s the very definition of wealth.
第 10 章 存 钱
很简单但容易被忽视的第一条法则—财富积累与你的收入或投资回报率关系不大，而与你的储蓄率关系很大。
The first idea-simple, but easy to overlook-is that building wealth has little to do with your income or investment returns, and lots to do with your savings rate.
第 11 章 合乎情理胜过绝对理性
在大部分情况下做出合乎情理的决策，比追求绝对理性的效果更好。
Aiming to be mostly reasonable works better than trying to be coldly rational.
第 12 章 意 外！
你从意外事件中领悟的真理应该是：每天都在发生意料外的事。历史不能完全作为预测未来的工具。
The correct lesson to learn from surprises is that the world is surprising. History can’t be used as a map of the future.
第 13 章 容错空间
事实上，每个计划中最重要的部分，就是为计划赶不上变化的情况做好预案。
In fact, the most important part of every plan is planning on your plan not going according to plan.
第 14 章 人是会变的
我们应该避免极端的财务规划目标。以及慢慢接受自己的想法一直在改变的事实。
We should avoid the extreme ends of financial planning, and also come to accept the reality changing our minds.
第 15 章 世上没有免费的午餐
万物皆有定价，只不过有些不会写在标签上。
Everything has a price, but not all prices appear on labels.
第 16 章 每个人的情况不同
在理财方面，很少有什么事比明确自己的投资目标且不受他人活动和行为的影响更重要。
A takeaway here is that few things matter more with money than understanding your own time horizon and not being persuaded by the actions and behaviors of people playing different games than you are.
第 17 章 悲观主义的诱惑
悲观主义降低了对事物的期待值，缩小了可能出现的结果和你期待的最好结果之间的差距。事先做好最坏打算就成了让自己感到惊喜的最佳方式。
Pessimism reduces expectations, narrowing the gap between possible outcomes and outcomes you feel great about. Expecting things to be bad is the best way to be pleasantly surprised when they’re not.
第 18 章 当你相信一切的时候
金融领域内的很多投资观点都带有这样的特性：一旦你听从他们，选择了某种策略或者方法，你就同时在金钱和心理上进行了双重投资。
There are so many financial opinions that once you pick a strategy or side, you become invested in them both financially and mentally.