我們從小被灌輸兩件事:
• 想改變命運 → 去創業
• 想有安全感 → 買房
但真實世界裡,我看過無數創業者失敗後背負債務,也看過很多人買了房之後,每個月為了房貸喘不過氣。
原因是什麼?因為他們搞錯了順序。
創業與買房,都只是手段,而不是目的。
目的應該是「現金流穩定」、「資產增值」、「時間自由」。
手段只是你達成這個目的的工具,而工具永遠不是唯一的。
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我們的教育系統、社會價值觀,一直把「買房」塑造成理財的第一步:
• 存錢湊首付
• 背 20~30 年貸款
• 把每月大半收入拿去供房
但這種思維忽略了一個核心問題:
👉 你解決的,其實不是居住需求,而是擁有慾望。
如果你正在準備一個大資金計畫,訂閱的內容對你絕對有幫助。
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「這裡是《幣圈導航》,今天導航的方向是 —— 時間槓桿。
很多人談理財,只談『錢』,卻忘了理財的真正目的,是讓我們『多出時間』。
但是你會發現,傳統理財方式,反而常常讓你花更多時間在管理錢。」
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「這裡是《幣圈導航》,今天導航的方向是 ——
為什麼銀行領錢越來越難?
你有沒有發現,最近去銀行提領或轉帳,感覺就像接受 FBI 盤問。
領錢要解釋用途,轉帳要填寫對方的姓名、工作,彷彿花自己的錢是一種罪過。」
這背後代表的金融訊號,你看懂了嗎?
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