你为什么还不学习理财?

作者: 发布时间:2017-12-09 17:18:32  来源: [手机访问]
导读: 第一条:保住本金最重要。第二条:永远不要忘记第一条。----沃伦.巴菲特我为什么学习理财?我想,大部分第一次逛理财社区或者逛了好久的理财社区依然没搞懂自己为

你为什么还不学习理财?

第一条:保住本金最重要。第二条:永远不要忘记第一条。

----沃伦.巴菲特

你为什么还不学习理财?

你为什么还不学习理财?

我为什么学习理财?

我想,大部分第一次逛理财社区或者逛了好久的理财社区依然没搞懂自己为什么要学习理财,甚至有很多人连自己为什么要记账都搞不清楚。

为什么这么说呢?


逛某个理财社区,发现有人问小姑子这么小气我们还要不要回去看公公婆婆?

还有人,在看到别人说一篇书评收入6000的时候在那里扔酸葡萄,看了楼主写的东西,行云流水般的思路中间不卡不废话,干净利落,逻辑性很强,而是我等没事写个小情绪东扒拉一点西摘抄一点就能比的。

她的能力在那里放着你不谦虚学着怎么才能获得这种能力如何才能达到这种水平反而把大部分时间浪费在翻看楼主哪里有什么纰漏上,这本身就不是学习的态度。

那么学习理财,为什么要学习理财呢?


1 改善目前生活状况

我学习理财之前,明显我没有很好的管理时间,上班的时候虽然很清闲但大部分时间用来玩手游追剧刷朋友圈。

或者找兄弟单位的人聊天打球瞎晃悠,总之没干什么让自己有所成长的事情。

而作为一个孩子的妈妈,很自然地陷入了“婚后就该围着男人和娃转”这样的怪圈,在自我成长的路上患得患失。

家庭财务状况虽然不敢说很穷,但现金流相当薄弱,总出现对账对不上或者胡乱凑数的情况,这种现状也是需要改变的。

2 避免掉进理财陷阱

你有没有在不明所以然的情况下买了保险人员在银行卖的理财产品?

你有没有在跟着别人投资网贷却血本无归的情况?

你有没有在看到别人晒出某支基金收益相当可观的情况下不分青红皂白用全部可投资资金买入了某支基金最后出现深套的情况?

你有没有搭上大神的班车用时间和风险换取让你兴奋却毛毛雨的羊毛收入?

或者,炒白银纸黄金贵金属还有原油什么的。

你为什么还不学习理财?

诸如此类,我不敢说你掉入了理财陷阱,但我敢说,如果你学习了真正的理财基础知识,这些事情你虽然不能避免,但你肯定不会立即下结论去做,至少自己得用自己所学到的知识去做一个简单的风险评估。

擦亮眼睛,投资的风险可人为规避的。

3 获得更多的开源路径,增加收入

通过理财,最直接的开路径便是理财收入。

但这个不是所有人能这么想,至少理财之前不这么想。接触理财知识之前,把大部分资金静静躺在银行活期的人多不?多,这种人周围一抓一大把。

他们从来没想过要钱生钱,没想过有快速积累资金的办法。

尤其是那种给别人凑着还款的,总数10w差1w,银行活期静静地躺着9w躺了1年的,该醒醒了哈。

当然,还不能低估了羊毛党的薅羊毛能力。

你为什么还不学习理财?

4 结实同行一起同行一起成长

现在让我多逛几个社区,我还真的是这般想法。

虽然我挖了一个小伙伴和我一起,但她还在起步阶段,而我需要新的东西继续刺激自己前行。

于是有了各种群,读书的、搞基金股票的、编辑的,说实话这些群我能获取的东西还是比较有限的,大部分时间大家跟熟人一样聊个天还是很放松的。

当然除了理财知识,还能,能获得更多的人文知识,地域共享,还蛮有意思。

你为什么还不学习理财?

5 更系统地学习理财规划知识

每个家庭不同的阶段都需要进行合理规划,

你为什么还不学习理财?

这样才能将生活牢牢地握在手掌心。

如不同阶段的理财规划、消费规划、子女教育规划、保险规划等以及中年后需要进行的养老规划,都是需要提前准备的。

简单来说,你负债买房,以你现在的收支能力你负担得起么?

未来,孩子上学的教育金额,你准备好了么?

你的养老费用你准备好了么?

你的收益能力有没有跑赢通货膨胀率?

这些其实都是可以通过理财规划提前规划的。

你为什么还不学习理财?

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}, shareInfo: { shareUrl: 'https://m.toutiao.com/group/6496357697682670094/', abstract: '第一条:保住本金最重要。第二条:永远不要忘记第一条。----沃伦.巴菲特我为什么学习理财?我想,大部分第一次逛理财社区或者逛了好久的理财社区依然没搞懂自己为什么要学习理财,甚至有很多人连自己为什么要记账都搞不清楚。为什么这么说呢?
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