Yuan Yijun (bbbush) wrote,
Yuan Yijun
bbbush

生命周期理财

第四章是现金流折现
第五章是生命周期理财

我花钱的习惯,属于某种形式的月光族。平时不打算买什么,可以攒下钱来。一旦打算买什么,就会精确地把攒下的钱花光。工作以来,已经多次出现过这种情况了。我没有为明天打算。在我的想法里,明天还是空白的,什么都没有,成家的计划也没有,疾病等危机也没有

我该制订多久的计划?书中提到的例子,那个人从毕业之后,有五年的实习时间,之后就是收入稳定的时期,然后是退休。假定符合持久收入理论。这个计算起来确实很简单啊。可是我应该怎么制订符合自己的计划呢?

另外,可以探讨一下这种积累/消费的原因。大概是因为我太幸福了,家里有保障吧。我需要老娘帮我管钱,因为这真的不像我想得那么容易。这几天发现了很多并不如想象中容易的事情。
Tags: 金融
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