理財，不只是錢的事
定方財務顧問每週，我們精選兩篇定方財務顧問群的文章， 用輕鬆卻不失深度的方式，拆解生活中的理財觀念。 這不是投資爆點新聞，也不是販售商品的行銷節目。 而是陪你慢慢建立財務系統、找回安全感與選擇自由的一段旅程。 如果你正關心退休、教育金、生活轉職或財務壓力， 我們希望成為你在通勤、散步或睡前放鬆時，溫柔但持續的財務教練。 🎙️ 節目內容改編自https://dingfang.com.tw，每週更新，歡迎訂閱與分享。 定方著作： 《頂尖財務顧問的48堂財商素養課》洪哲茗、邱茂恒 著 www.books.com.tw/products/0011006201?sloc=main 《精準投資》洪哲茗、邱茂恒 著 www.books.com.tw/products/0010943557?sloc=main -- Hosting provided by SoundOn
| Publishes | Twice weekly | Episodes | 116 | Founded | a year ago |
|---|---|---|---|---|---|
| Language |  ZH-TW | Number of Listeners | Categories | InvestingBusiness |
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Latest Episodes
「趁年輕買終身醫療，老了才有保障」這句話聽起來很迷人，但真的是最佳的財務決策嗎？這集節目為你解析，為什麼在醫療技術日新月異與通貨膨脹的雙重夾擊下，終身醫療險往往成為卡住你財務靈活度的「昂貴負擔」。
本集精彩亮點：
• 消失的購買力： 為什麼現在看起來很夠用的「住院一天 3,000 元」，在三十年後可能連掛號費都不夠？
• 醫療技術的挑戰： 隨著住院天數縮短、自費醫材增加，傳統「住院日額型」保單如何失去其守護價值？
• 保費的機會成本： 試算將高昂的終身險保費轉向「定期險 + 投資」，... more
「越早退休越好」是許多人的終極目標，但你算過「晚一年退休」的財務威力嗎？這集節目將顛覆你對退休時間點的想像。
為什麼在全生涯資產模擬中，僅僅是延後 12 個月退休，不僅能大幅降低對長壽風險的焦慮，還能讓你的老後生活水準直接升級。這不是要你苦撐，而是教你如何用時間換取更優雅的自由。
本集精彩亮點：
• 一來一回的雙重效應：延後一年退休，代表你「多了一年的高薪收入與儲蓄時間」，同時也「少了一年消耗退休準備金的提領期」。
• 職涯晚期的本金槓桿：在薪資與專業能力達到巔峰的職涯末期，多留一... more
許多人夢想著能有一筆意外之財，但現實數據告訴我們，若沒有具備相應的理財素養，巨大的財富往往是災難的開始。 這集節目由 CFA 財務顧問洪哲茗帶領聽眾深入分析，如何避免繼承變「債務」，並建立正確的資產承接心法。
本集精彩亮點：
• 突然致富症候群（Sudden Wealth Syndrome）： 探討心理預備不足如何導致報復性消費與決策失準。
• 缺乏金錢教育的代價： 為什麼「會賺錢」不代表「會管錢」？解析理財素養在資產傳承中的關鍵角色。
• 人情與情緒的財務勒索： 面對親友借貸或不當... more
「只要不借錢、不欠債，我的財務就很安全。」這句話聽起來很踏實，但在專業財務顧問眼中，卻可能隱藏著巨大的破產危機。這集節目將分享一個顛覆傳統觀念的真實諮詢案例。為什麼一個完全沒有負債、名下擁有房產的家庭，會因為缺乏「流動性」而陷入隨時可能斷炊的財務黑洞？我們將帶你重新定義真正的財務安全。
本集精彩亮點：
• 零負債的虛假安全感：名下有房子、沒欠任何人錢，為什麼在遇到突發狀況時，反而比有貸款的人更快陷入絕境？
• 資產很重、流動性很薄：拆解「把所有存款都塞進房地產或鎖死在保單」的理財盲點，... more
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Apple Podcasts | #70 |  Taiwan/Business/Investing |
Apple Podcasts | #237 | Taiwan/Business |
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| Listeners per Episode | Gender Skew | Location | |||
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理財，不只是錢的事 launched a year ago and published 116 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.
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