[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025090400025110128":3,"related-JP2025090400025110128":30},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":12,"introduction":13,"description":14,"nonVipDescription":15,"postTime":16,"viewTime":16,"sortNumber":17,"isFree":18,"isShowList":7,"isRecommend":18,"linkType":7,"isOriginal":6,"hasMiniUrl":18,"hasAdvertising":18,"createBy":19,"updateBy":19,"createTime":20,"visitCount":21,"isLiked":18,"realSearch":22,"isRead":18,"productId":23,"isCollected":18,"collectCount":24,"vipExclusive":18,"allowComment":7,"style":25,"canCopy":18,"likeCount":24,"seoKeywords":15,"articleModuleVoList":26,"extendContentList":27,"noteCount":18,"categoryList":28,"dailyKeywordList":29},10,7564,"1",1,"JP2025090400025110128","1041018",3,"攒到十几万，其实最危险？","https:\u002F\u002Fimage.jane7.com\u002Ff643447a-ca11-446e-81a8-8b3b1fd01c1b.jpg","存钱通关攻略：0到100万","\u003Cdiv>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">大家好，我是简七编辑部的卫星~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">很多人刚工作时会想：「工资才几千块，存得下什么？等我升级了再说吧。」\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">可真正危险的，正是这种想法。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">就像游戏里血量很少的时候，没有任何容错空间，一个小失误就可能Game Over。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">比如，1万块存款看似不少，但随便买个装备\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（手机）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">、去个副本\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（旅行）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，就消失不见了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">等以后等级提升，收入变多，如果仍然习惯「先花后存」，结果还是每个月都在「裸奔」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">心理学研究表明，我们的多数消费决策依赖于习惯和直觉，而非精打细算。也就是说，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">习惯，比等级更重要\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">存钱这场游戏，每个阶段都有不同的Boss和通关策略。今天就来聊聊从0到100万的完整攻略。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection class=\"channels_iframe_wrp\" nodeleaf=\"\" style=\"margin-left: 16px;margin-right: 16px;\">\n  \u003Cmp-common-videosnap class=\"js_uneditable custom_select_card channels_live_iframe\" data-desc=\"将在09月04日 19:00 直播\" data-headimgurl=\"https:\u002F\u002Fwx.qlogo.cn\u002Ffinderhead\u002FjDQBZqnSgoUoTwibb4V8cOqvr8V0jVq4xAvwVtRQdydQ\u002F0\" data-intro=\"从零攒到首个10\u002F50\u002F100万\" data-nickname=\"简七读财\" data-noticeid=\"finderlivenotice-v2_060000231003b20faec8c4ea8d10c2d4ce04ef35b0779b853fb0ac8de38cf67d7f896d048557@finder-1756793330528097-547713347\" data-pluginname=\"mpvideosnap\" data-status=\"0\" data-type=\"live\" data-username=\"v2_060000231003b20faec8c4ea8d10c2d4ce04ef35b0779b853fb0ac8de38cf67d7f896d048557@finder\">\u003C\u002Fmp-common-videosnap>\n \u003C\u002Fsection>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F6fbc7729-ea1b-48cd-8234-f4ebe8419771.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan leaf=\"\">第一关：新手上路（0-10万）\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;text-align: center;\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"color: rgb(214, 168, 65);font-weight: bold;\" textstyle=\"\">Boss\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"color: rgb(214, 168, 65);font-weight: bold;\" textstyle=\"\">：消费冲动怪，专门诱惑你花钱\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">这一关最大的敌人不是收入少，而是没有建立正确的「游戏规则」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">很多人想着「装备齐全了再认真玩」，结果永远停在起点。其实，新手阶段越要有规范。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">通关核心策略：建立基础操作习惯\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">最重要的一招是「\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">先存后花\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">」：工资一到账，先把一部分转走，再用剩下的钱生活。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">这样你清楚哪些钱能花，不怕超支。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">就像游戏里先分配好装备预算，剩下的金币才是真正可以随意使用的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">至于花钱比例，怎么分配，可以参考\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">50\u002F30\u002F20法则\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">50%用于生存必需品\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（房租、伙食、交通）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，30%用于生活品质\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（娱乐、购物）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，20%用于经验值积累\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（储蓄和投资）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">不过，一线城市这个比例可能不现实，刚开始可以调整为\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">60\u002F25\u002F15\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，慢慢适应游戏节奏。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">另外，新手阶段，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">努力提升主业收入\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（完成主线任务）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，往往比省吃俭用\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（刷小怪）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">带来的经验值增长更快。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">投资自己的技能，也是最稳妥的投资之一。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>\u003Cspan leaf=\"\">新手常见误区\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">：总想着等我刷到更高级别，再开始攒金币，结果每次升级后，消费需求也跟着升级，永远处于「金币清零」状态。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fecedb55a-19d6-4bf8-b82e-10bcabaa6168.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan leaf=\"\">第二关：小有成就（10-50万）\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;text-align: center;\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"color: rgb(214, 168, 65);font-weight: bold;\" textstyle=\"\">Boss\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"color: rgb(214, 168, 65);font-weight: bold;\" textstyle=\"\">：膨胀心理怪，觉得自己「有钱了」\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">这一关，是整个游戏\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">最危险的阶段\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">很多玩家辛苦闯过第一关，手里有了十几万，就开始蠢蠢欲动：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">朋友说开店赚钱，要不要投个10万试试？股市涨得好，把钱都投进去会不会翻倍？30万的车，贷款买一辆，立马提升生活品质...\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>\u003Cspan leaf=\"\">为什么这个阶段，最容易翻车？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">第一个原因，是心理学上的「\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">补偿心理\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">辛苦攒钱这么久，总该改善一下生活品质了吧？这种想法看似合理，但往往会导致冲动消费，一下子花掉大笔积蓄。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">第二个原因，是这个金额刚好处于「\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">伪富裕区间\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">让人产生「我懂投资了」的错觉，各种「投资机会」开始诱惑你。但如果经验值还不够，很容易高估自己的能力。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">一旦亏损30%、40%，可能就是几年积蓄化为乌有，直接被踢回新手村。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">通关核心策略：建立防御体系\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">这一关的关键是学会防守。你需要给自己的财富，建立「\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">四重防火墙\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">」：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">第一重是\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">应急血包\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">——保持3-6个月开支的现金放在货币基金里，这笔钱永远不动，是你的安全底线。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">第二重是\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">保险护甲\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">——配好医疗、重疾、意外、寿险「四件套」，杜绝潜在的财务黑洞。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">第三重是\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">目标储备\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">——明确1-3年内的大额支出计划，比如买房首付、结婚、旅行等，用稳健产品\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（银行理财、债券基金）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">慢慢积累。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">第四重才是\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">投资资金\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，只用真正的\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">闲钱\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">你可以参考「\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">年龄配置法\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">」：股票比例 = 100 - 年龄，但更重要的是根据自己的风险承受能力调整。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">比如30岁的人，理论上可以70%投资股票类资产，30%投资债券类资产。如果你风险厌恶、或近期有用钱计划，就该更保守些。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>\u003Cspan leaf=\"\">避开常见陷阱：\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">不要把所有金币都押在一个地方；别和别人比较攒钱进度，容易打乱自己的节奏，冲动跟风。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F7c2343fd-d2a5-420f-a9ea-95dcd049d50b.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan leaf=\"\">第三关：复利发力（50-100万）\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;text-align: center;\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"color: rgb(214, 168, 65);font-weight: bold;\" textstyle=\"\">Boss\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"color: rgb(214, 168, 65);font-weight: bold;\" textstyle=\"\">：时间焦虑怪，觉得存钱太慢\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">恭喜你打到第三关！\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">这时你会发现一个现实问题：\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">仅仅靠每月存钱，升级速度开始放缓\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">每月存5000，从50万到100万需要8.3年；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">但如果50万，能有年化5%的收益，配合储蓄，5.2年就能达到目标。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">这就是传说中的「\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">复利临界点\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">」——当本金足够大时，投资收益开始和工资搭档干活了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">通关核心策略：让钱为你打工\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">想让复利发挥作用，需要满足两个条件：\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">收益可持续，时间够长。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">很多人把资产放到股市，但一有波动就担心，频繁操作反而打断了复利的节奏；更有人追热门公司，结果业绩不及预期，股价大跌，一夜回到解放前。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">咱们在第二关确定好股债比例后，股票那部分资金，可以用「\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">核心-卫星\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">」策略：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">把\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">70-80%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">的资金投入核心部分：宽基指数基金\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（沪深300、中证500等）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，先跟上大盘收益；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">剩下\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">20-30%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">作为卫星部分，买一些看好的行业主题或个股，追求超额回报。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">记得定期检查比例，比如每年再平衡一次，保持目标配置不偏离太多。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">另外，你还可以\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">点亮投资技能树\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">到了这个阶段，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">值得投入时间学习\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">：学习财务指标、理解宏观周期、建立投资原则...\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">理财能力的提升，往往比短期收益更有价值。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>\u003Cspan leaf=\"\">第三关常见误区\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">：看到升级变慢就心急，频繁换装备\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（投资产品）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">或追逐热门副本\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（热门股票）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，反而打断了复利节奏，错失长期收益。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fa7da4956-4176-419f-8529-df30a631e67d.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan leaf=\"\">高级玩家秘籍：3个不变的游戏规则\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">每个阶段的存钱重点不同，但有3个底层逻辑始终不变——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">第一，心态管理，比技巧更重要。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">0-10万，培养延迟满足的能力；10-50万，要控制膨胀心理，保持理性；50-100万，要坚持长期主义，不追求快钱。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">第二，系统思维，比单点优化更有效。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">不是找到一个「最赚钱的装备」，而是建立适合自己的游戏系统。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">第三，风险控制，比收益追求更重要。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">记住巴菲特的游戏第一原则：永远不要亏钱。第二原则：永远记住第一原则。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">最后呢，\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">存钱不是为了限制生活，而是为了拥有更多选择的自由。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">每一关都有自己的挑战，用对策略，Boss 就能变成你的经验值。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">就像游戏一样，关键不是你在哪一关，而是你有没有找到适合这一关的打法。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">对啦，今晚\u003C\u002Fspan>\u003Cspan style=\"color: rgb(100, 106, 115);\">\u003Cspan leaf=\"\">（9月4日）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">7点，我和小伙伴芳芳会分享\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">0-100万的攻略秘籍\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，还有实战技能和心态buff等你来解锁。欢迎进入直播群了解~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;text-align: center;\">\u003Cspan leaf=\"\">\u003Cspan style=\"font-size: 14px;background-color: rgb(255, 254, 213);color: rgb(255, 41, 65);\" textstyle=\"\">扫码入群↓↓↓\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fce3d32c4-a8a0-401c-b17b-31f8c7fe3ba7.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">你现在在哪个阶段？遇到了什么Boss？欢迎评论区分享你的「游戏心得」~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan data-pm-slice=\"0 0 []\" style=\"color: rgb(136, 136, 136);font-family: Optima-Regular, PingFangTC-light;font-size: 14px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 1px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;display: inline !important;float: none;\">\u003Cspan leaf=\"\">△风险提示：本文分享仅为教育和科普用途，不构成任何投资建议。市场有风险，投资需谨慎。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>","","2025-09-04 00:00:00",100,0,"py自动生成","2025-09-04 00:02:51",72,false,17685,4,"1038002",[],[],[],[],[31,44,55,65],{"pageSize":4,"articleWikiId":32,"wikiName":33,"articleCode":34,"locationType":35,"sortNumber":36,"articleTitle":37,"introduction":38,"coverImage":39,"likeCount":40,"realSearch":22,"createTime":41,"seoUrl":42,"seoKeywords":43},94,"财商入门","JP2020102310034071360",2,20201023,"1个思路，轻松打理闲钱","今天我们从1个思路出发，和你分享合理的资产分配思路。","https:\u002F\u002Fimage.jane7.com\u002F897a7fbc-22b9-419f-93df-544c9c269014.png",12,"2020-10-23 10:03:40","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020102310034071360-94.html","理财",{"pageSize":4,"articleWikiId":45,"wikiName":46,"articleCode":47,"locationType":35,"sortNumber":48,"articleTitle":49,"introduction":50,"coverImage":51,"likeCount":18,"realSearch":22,"createTime":52,"seoUrl":53,"seoKeywords":54},93,"基金定投","JP2020091515161489469",20200915,"省到就是赚到，基金怎么买比较省手续费？","很多人刚开始投资基金，往往只关注收益，却忽略基金的交易费用，其实买入卖出都是要花钱的。今天就来讲一讲，如何买基金才能赚得更多？","https:\u002F\u002Fimage.jane7.com\u002Fd441ada8-5a69-4ac6-a7ba-9997ad31e715.png","2020-09-15 15:16:14","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020091515161489469-93.html","基金",{"pageSize":4,"articleWikiId":56,"wikiName":57,"articleCode":58,"locationType":35,"sortNumber":59,"articleTitle":60,"introduction":60,"coverImage":61,"likeCount":18,"realSearch":22,"createTime":62,"seoUrl":63,"seoKeywords":64},97,"理财产品","JP2020071417444230323",20200714,"有没有不会亏的投资？说说这3种理财产品","https:\u002F\u002Fimage.jane7.com\u002F9f680140-f8aa-46ca-9837-0ee3a5b0f2c0.png","2020-07-14 17:44:42","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020071417444230323-97.html","牛市,保本投资,保本理财",{"pageSize":4,"articleWikiId":32,"wikiName":33,"articleCode":66,"locationType":35,"sortNumber":67,"articleTitle":68,"introduction":69,"coverImage":70,"likeCount":7,"realSearch":22,"createTime":71,"seoUrl":72,"seoKeywords":73},"JP2020101518143320076",20201016,"如何查询一只指数的估值？手把手教你","以沪深300指数为例，教你如何利用理杏仁网站，查询一只指数的估值。","https:\u002F\u002Fimage.jane7.com\u002Fa4f32ef4-4e14-48ea-9cdd-22667f92d2d0.png","2020-10-15 18:14:33","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020101518143320076-94.html","理财,市盈率"]