【書摘】斜槓青年-2:什麼是財務自由?
財務自由應該是所有人類的夢想,可是許多人卻誤解了財務自由的真正意義。
你或許聽過,財富自由就是當你不需要工作時,你可以靠你的資產過日子,或者是現金流大於的你生活開銷,你就達到財富自由了。
你或許在查詢財富自由的時候,跑出了「被動收入」這個關鍵字。
你開始煩惱,到底該怎麼創造被動收入、到底該怎麼投資股票、期貨、選擇權等交易,你可能甚至開始有了創業的念頭
你一定以為,所謂的財富自由,就是要有很多錢,才能過著無憂無慮的生活,但事實上,你不需要有很多錢,也能達到財富自由。
這一切一切,你的念頭都停留在「將財富最大化」,但這可能是個謬誤……
一、財務自由不是追求財富,而是追求自由
「斜槓青年」這本書的作者指出,許多人誤解了財務自由,認為要財務自由就是要你當一個有錢人,可是事實上財務自由的核心其實是”自由”。
#為了獲得身心自由,我們才去追求財富的累積。
理解「財務自由」的關鍵在於,我們必須先去理解自由。自由的關鍵不再於擁有的權力,而是在於拒絕的自由。(事實上不管你有多有錢,你都有無法用金錢買到的東西,畢竟人類的慾望是無窮的)
當我們不必再為了不喜歡的事情工作,不再為金錢奔波,不用被欲望掌控,我們就達到了一定程度的”心靈自由”。
而為了過上「心靈自由」的生活,我們首先得先實現一定程度上的「財務自由」。
二、相對收入取代絕對收入
如果一個人月入百萬,你認為他財務自由了嗎?如果說這個人每個月的家庭開銷高達110萬,那麼月入100萬又有甚麼意義?
- 相對收入 = 絕對收入-生活開銷
事實上某些有錢人除了可以揮霍消費之外,跟一般窮人沒什麼兩樣,他們都『終日為了錢財所困』。
如果你想達到財務自由,“絕對收入”與”生活開銷”這兩個因素你必須同時考量,並不是賺得多就一定能達到財務自由。
換句話說,你要盡可能提高你的收入,並想辦法降低一些固定支出,使得你的「相對收入>0」,如果你的被動收入夠穩定且日益增大,最終超過了你的日常開銷,那麼你也算是實現了財務自由。
三、打造屬於你的渠道
既然你已經了解了何謂『財務自由』,你就可以開始打造自己的『渠道』,也就是「被動收入」。最常見的方式就是投資,可惜多數人的資本不夠,因此投資無法帶給你足夠的絕對報酬。(相反地,如果你有錢,投資就是世界上最簡單的被動收入)
現代人更常見的被動收入來源則是『智慧財產權』。斜槓青年會將他們的知識體系使用「產品化思維」打造成一個個資產,並帶來現金流形成渠道。
現代網路的發達讓你可以很快地散布自己的資訊型產品,像是youtube、部落格、Web……而且整個市場對此類產品的需求也越來越大,消費者也逐漸接受這樣的產品型態(例如pressplay上面的就有許多集資項目都屬於資訊型產品)。
只要能將自己的專業知識或者獨特打造成資訊型產品,也能成為一個很好的被動收入來源。
- 延伸閱讀:部落格的10個收入方法│Cloud西城
結論:
走向財務自由的過程,就是一個努力將主動收入和知識、技能資本化,然後通過這些資本獲得持續穩定且不斷增加的被動收入的過程。而同時我們也要牢記於心的是,財務自由最終的目標是心靈自由—-過自己真正想過的生活,不再為金錢工作,也不再為慾望所累,這才是財務自由的意義所在。
我們追求財務自由的最終目標不是為了財富的最大化而是為了將財務的約束力降到最低,從而獲得身心的最大自由–Susan Kuang
博客來連結:
斜槓青年:全球職涯新趨勢,迎接更有價值的多職人生 |
斜槓青年書摘:
書評列表:
部落格經營系列文:所有文章連結
- 2018年1月部落格紀錄
- 2018年2月部落格紀錄
- 2018年3月部落格紀錄
- 2018年4月部落格紀錄:堅持下去,才會是你的
- 2018年五月部落格紀錄:小心舒適圈的陷阱
- 2018年六月部落格紀錄:下半年,你還記得年初的目標嗎?
我的書單:
- 2018年一月書單分享 By 站長Cloud
- 2018年二月書單分享 By 站長Cloud
- 2018年三月書單分享 By 站長Cloud
- 2018年四月書單分享 By 站長Cloud
- 2018年五月書單分享:幫你推進人生的五本好書,褚士瑩的精選書籍推薦!
- 2018年六月書單分享:讓李笑來帶你踏進財務自由的世界
我是站長.西城
如果有什麼想法都歡迎在底下留言分享,跟我互動
我每個禮拜都會分享有關自我提升、書評、時間管理、筆記方法的文章
追蹤我的RSS:
追蹤我的電子報:?
如果說……你還能打賞我喝一杯咖啡呢><
謝謝你把這篇文章看到最後,是你們讓我枯寂的靈感不至於乾涸
中國知識經濟崛起,台灣也須要跟上
我推薦使用街口支付小額轉帳,免手續費,快速且方便
- 手機:開啟你的街口支付App,輸入帳號,900833626
- 電腦:開啟你的街口支付App,使用掃馬功能掃描以下條碼
- 更多詳細步驟可以到這裡看:
Thanks for sharing your thoughts on meta_keyword. Regards|
It is appropriate time to make a few plans for the long run and it is time to be happy. I have learn this publish and if I may I wish to recommend you some interesting things or suggestions. Maybe you could write next articles relating to this article. I want to learn even more issues approximately it!|
This is my first time go to see at here and i am truly impressed to read all at single place.|
naturally like your web site however you have to take a look at the spelling on several of your posts. Several of them are rife with spelling problems and I find it very troublesome to tell the truth nevertheless I will definitely come again again.|
I do trust all the concepts you have introduced for your post. They’re very convincing and will definitely work. Still, the posts are too quick for novices. Could you please prolong them a little from subsequent time? Thank you for the post.|
I have read so many articles about the blogger lovers except this paragraph is truly a nice post, keep it up.|
I do not even know how I ended up here, but I thought this post was good. I don’t know who you are but definitely you’re going to a famous blogger if you are not already 😉 Cheers!|
Simply wish to say your article is as astounding. The clearness in your post is simply great and that i could think you’re knowledgeable in this subject. Well with your permission allow me to clutch your RSS feed to stay updated with approaching post. Thank you one million and please carry on the rewarding work.|
I’m gone to convey my little brother, that he should also visit this weblog on regular basis to obtain updated from latest gossip.|
Every weekend i used to pay a visit this web site, because i wish for enjoyment, for the reason that this this web page conations genuinely nice funny data too.|
Do you have any video of that? I’d want to find out some additional information.|
Greetings! Very helpful advice in this particular article! It is the little changes that will make the greatest changes. Many thanks for sharing!|
Exceptional post however I was wondering if you could write a litte more on this subject? I’d be very thankful if you could elaborate a little bit more. Kudos!|
I am regular reader, how are you everybody? This paragraph posted at this website is really nice.|
Hi there mates, nice piece of writing and pleasant urging commented at this place, I am really enjoying by these.|
Everything is very open with a very clear clarification of the challenges. It was really informative. Your site is very helpful. Thank you for sharing!|
Hi there it’s me, I am also visiting this web page on a regular basis, this web site is in fact pleasant and the users are actually sharing fastidious thoughts.|
Good information. Lucky me I came across your blog by chance (stumbleupon). I have book marked it for later!|
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why waste your intelligence on just posting videos to your site when you could be giving us something informative to read?|
I’m curious to find out what blog platform you have been utilizing? I’m having some minor security problems with my latest site and I’d like to find something more safeguarded. Do you have any recommendations?|
Link exchange is nothing else but it is just placing the other person’s blog link on your page at appropriate place and other person will also do same for you.|
Pretty nice post. I just stumbled upon your weblog and wanted to say that I’ve really enjoyed browsing your blog posts. After all I’ll be subscribing to your feed and I hope you write again very soon!|