[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2026042917153994760":3,"related-JP2026042917153994760":28},{"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":18,"isLiked":18,"realSearch":21,"isRead":18,"productId":22,"isCollected":18,"collectCount":18,"vipExclusive":18,"allowComment":7,"style":23,"canCopy":18,"likeCount":18,"seoKeywords":15,"articleModuleVoList":24,"extendContentList":25,"noteCount":18,"categoryList":26,"dailyKeywordList":27},10,8028,"1",1,"JP2026042917153994760","1041018",3,"如何用「财富水池」打理好你的钱？","https:\u002F\u002Fimage.jane7.com\u002F6156e456-3608-4316-9363-f6a6a406f509.jpg","一个事关你终身财富的模型","\u003Cdiv>\n \u003Csection nodeleaf=\"\" style=\"text-align: center;margin-bottom: 0px;margin-left: 16px;margin-right: 16px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F20ba8d24-f077-4a3d-ba5f-0ad2dc0379ae.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">我发现，关于理财的问题，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">越简单，越难答。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">每天，我们都会收到读者，数以千计的提问，大诉说自己的财务困惑：\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cblockquote style=\"color: rgba(0, 0, 0, 0.5);white-space: normal;max-width: 100%;font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Csection style=\"max-width: 100%;line-height: 2em;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">-月薪5000，负债十多万，不堪重负怎么办？\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"max-width: 100%;line-height: 2em;letter-spacing: 0.544px;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">-工作5年，始终零存款，怎么突破？\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"max-width: 100%;line-height: 2em;letter-spacing: 0.544px;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">-预备结婚，几十上百万的首付，如何搞定？\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"max-width: 100%;line-height: 2em;letter-spacing: 0.544px;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">……\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">看似五花八门，但万变不离其宗，概括一下：\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan leaf=\"\">就是钱不够花，怎么办？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">乍一看这问题，「线头\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73);letter-spacing: 0.578px;text-wrap: wrap;\">\u003Cspan leaf=\"\">」\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">在钱上，但真细究下去，牵扯出的却是一整套系统的“财富体系”。\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">很明显，想抓局部，就解决全盘问题，不切实际，所以还是得从全局入手。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">这就要聊到，我们常提的\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan leaf=\"\">「财富水池」模型\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">了——\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73);\">\u003Cspan leaf=\"\">它的本质，是帮我们解决钱如何分配，更有效率的问题。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection nodeleaf=\"\" style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F3ec26a4e-c365-4cca-9668-1c8ec138c92b.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">这个模型乍一看可能有点复杂，但其实是由3个最简单的要素：\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">收入\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">、\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan style=\"color: rgb(255, 104, 39);font-size: 16px;\">\u003Cspan leaf=\"\">支出\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">和\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan style=\"color: rgb(255, 104, 39);font-size: 16px;\">\u003Cspan leaf=\"\">结余\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">构成的。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">你可以把它们分别想象成，进水管、出水管和蓄水池。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">就像我们小学做的应用题那样——\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">如果进水管进来的水，比出水管排出的水多，那蓄水池就能积蓄水；\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">同理，只有你的收入比支出多，才可能拥有储蓄。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cstrong style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">俗话说手中有粮，心中不慌；\u003C\u002Fspan>\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">想要生活更从容，先有一定储蓄，让你的财富水池有水可分，是基础。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">等经过一段时间的积累，结余不断增加，恭喜你就获得了第一笔本金。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">现在的问题是，我们该如何去分配这笔钱呢？\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;\">\u003Cspan leaf=\"\">这就要回到水池本身了，\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">我们一共划分了4个水池，分别是：\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan leaf=\"\">现金池-保险池-目标池-金鹅池\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">细心的你，可能注意到，上图有标注序号，请把这个顺序默记在心，很重要。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">接下来，我们按顺序聊～\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;text-align: center;\">\n  \u003Cspan style=\"color: rgb(255, 104, 39);font-size: 18px;\">\u003Cstrong>\u003Cspan leaf=\"\">- 现金池 -\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;text-align: center;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">\u003Cspan leaf=\"\">日常开销+3～6个月应急准备金\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">现金池装的是我们全部的活期资产，是随时都能取出来的钱。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">这个池子，首先要满足的是日常生活，衣食住行类的开销。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">那很显然，这笔钱的安全性和灵活性最重要，所以一般\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">适合放在货币基金这类\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan leaf=\"\">活期\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong>\u003Cspan leaf=\"\">理财\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">\u003Cstrong>\u003Cspan leaf=\"\">中，方便取用。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">除日常外，现金池还需准备一部分应急资金，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">至少存上足以应付3~6个月生活开支的钱。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">主要目的，是为了应对一些突发状况，如换工作、生病治疗等。在没有稳定收入来源时，维持正常生活。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">所以，别小看现金池，关键时，它能助你渡过难关，甚至给你更多选择的勇气。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"color: rgb(73, 73, 73);\">\u003Cspan leaf=\"\">著名的华裔女演员刘玉玲，曾说过一个\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">F**K U Money的概念。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;text-align: center;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fad1e45af-419f-4460-b10f-fc0a698742ed.jpg\">\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">她早年家境一般，刚踏入社会后，为了养活自己做了一些不是很喜欢的工作。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">但她一直很有意识地攒钱，直到她攒够了一笔，不工作也能生活一段时间的钱，就炒掉了自己的老板，开始追求演员事业。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">其实，这就是对现金池更形象的表述。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;text-align: center;\">\n  \u003Cspan style=\"color: rgb(255, 104, 39);font-size: 18px;\">\u003Cstrong>\u003Cspan leaf=\"\">- 保险池 -\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;text-align: center;\">\n  \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">\u003Cspan leaf=\"\">年收入的5～8%\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">我有个朋友说过一句话，非常经典：什么叫做穷人，不敢生病的就是穷人。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">如果你看过《我不是药神》，应该会格外有感触。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">里面有句经典台词说：「这个世界上只有一种病，就是穷病。\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73);letter-spacing: 0.578px;text-wrap: wrap;\">\u003Cspan leaf=\"\">」\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">这话当然太绝对了，但仔细想想，财富的成长很慢，而摧毁它却很快。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">在没有保障的前提下，一场大病、车祸，都可能彻底摧毁你和家庭，好不容易积累起来的财富。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">所以，我们才把保险池，排在第二顺位。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">问题是，怎样的配置，算合理？\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">对普通人来说，\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">拿出家庭年收入的5～8%，最多不超10%，就能配齐\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">意外险、重疾险、寿险、医疗险\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">四大险种。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F4ca49533-ad50-428d-8d16-de891eb5b661.jpg\">\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">这样的支出，既能配置相对充足的保障，又不会对家庭财务造成太大压力。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;text-align: center;\">\n  \u003Cspan style=\"color: rgb(255, 104, 39);font-size: 18px;\">\u003Cstrong>\u003Cspan leaf=\"\">- 目标池 -\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">再来看第3个水池——目标池，是指什么呢？\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">仔细回想一下，你的生活中，除了日常支出，对未来，是不是还有一些比较明确的目标，是需要一定金钱支持，才能实现的？\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">比如，为了提升自己参加考证培训；\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">再比如，3年内想要准备一套房子的首付等等。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cstrong style=\"color: rgb(73, 73, 73);font-size: 16px;white-space: normal;\">\u003Cspan leaf=\"\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F02016bad-73d8-487b-8cee-0351b4a6bc8e.jpg\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cstrong>\u003Cspan leaf=\"\">目标池的设置，就是为了满足你的这些目标需求的，它的关键，是让你能早做财务准备。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">但现实中，它却成了很多人的盲区，因为绝大多数人，常常是在遇到大额开销后，才发觉自己口袋空空，再想凑钱必然是手忙脚乱。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">那目标池到底该怎么好好利用呢？我的建议是\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan leaf=\"\">以终为始：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 104, 39);font-size: 14px;\">\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cblockquote style=\"color: rgba(0, 0, 0, 0.5);white-space: normal;max-width: 100%;font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Csection style=\"max-width: 100%;line-height: 2em;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">1）先定义，未来5年内，你的具体目标支出和支出时点；\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"max-width: 100%;line-height: 2em;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">2）再去寻找收益、期限都合适的理财产品，并逐步积累资金。\u003C\u002Fspan>\u003C\u002Fspan>\u003Cstrong style=\"letter-spacing: 0.544px;color: rgb(136, 136, 136);font-size: 16px;\">\u003C\u002Fstrong>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">目标池的价值，是让你在跨越到下一人生阶段时，都能更游刃有余。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;text-align: center;\">\n  \u003Cspan style=\"color: rgb(255, 104, 39);font-size: 18px;\">\u003Cstrong>\u003Cspan leaf=\"\">- 金鹅池 -\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan leaf=\"\">前3个池子，看名字就能理解，但这「金鹅池\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;letter-spacing: 0.578px;text-wrap: wrap;\">\u003Cspan leaf=\"\">」\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">的概念，又从何而来呢？\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">其实，它的名字很形象。试想你拥有一只会下金蛋的鹅，你一定不想杀掉它，而是把它养肥，让它下更多、更好的金蛋。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">而金鹅池的本质也是一样的，这个水池中的钱就是会下金蛋的鹅，我们要做的就是把平时结余的资金，放进这个池子里，让它下更多的蛋。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">所以\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">这个水池中的钱，和前面不同，\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan leaf=\"\">我们并不是想要花掉它们，而是希望它能作为本金，不断产生更多投资收益。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;\">\u003Cspan leaf=\"\">就像是金鹅一样，为我们下更多「金蛋\u003C\u002Fspan>\u003Cstrong style=\"color: rgb(73, 73, 73);letter-spacing: 0.578px;text-wrap: wrap;font-size: 16px;\">\u003Cspan leaf=\"\">」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，而不是杀鹅取卵。\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">我们先来整理一下，你现在的金鹅池里，到底有什么？\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">其实很简单。只要你理清前3个池子的投资后，还剩余的那部分资金，就是用来下金蛋的，我们把它们填入金鹅池。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">这些，其实就是我们长期不动的钱，单纯为了长期增值。养老、孩子长期的教育金准备，其实都可以考虑用金鹅池做规划。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection nodeleaf=\"\" style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F81e697ff-bdbd-4a96-89d6-d05968385f15.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">比较常见的金鹅池投资品有：\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cblockquote style=\"color: rgba(0, 0, 0, 0.5);white-space: normal;max-width: 100%;font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Csection style=\"max-width: 100%;line-height: 2em;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">-股票\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"max-width: 100%;line-height: 2em;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">-股票类（包含指数基金）、混合类基金\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"max-width: 100%;line-height: 2em;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">-黄金类投资\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"max-width: 100%;line-height: 2em;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">-5年以上的长期理财产品\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"max-width: 100%;line-height: 2em;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">-投资房\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"max-width: 100%;line-height: 2em;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-size: 14px;\">\u003Cspan leaf=\"\">……\u003C\u002Fspan>\u003C\u002Fspan>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">好啦，看到这里，你是不是对这个财富水池，心中有数了？\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">我们再总结一下——\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection nodeleaf=\"\" style=\"text-align: center;margin-bottom: 0px;margin-left: 16px;margin-right: 16px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fa097bbda-b9f2-4477-a594-8a767607b46b.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: center;margin-bottom: 0px;margin-left: 16px;margin-right: 16px;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">这里，有2个小提醒：\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"color: rgb(255, 104, 39);\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">1）水池分配，务必按顺序来，在前3个都没着落的时候，就着急财富增值，是本末倒置；\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">2）财富水池的建立，不要求一蹴而就，可以循序渐进，从现金池里的「应急准备金」开始，慢慢积累。\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">先保证每月收入，有结余，比什么都重要。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">最后，我们再换个角度，重新看看这个模型。这个图的中间，是一个著名的理论——马斯洛需求理论。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection nodeleaf=\"\" style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fdc53cdf0-1e6d-44b3-8937-b68933fd4d85.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">简单来说，它认为，我们人类都有这些普遍需求，越是底层的需求，越基本；而越往上，则越「进阶\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73);font-size: 16px;letter-spacing: 0.578px;text-wrap: wrap;\">\u003Cspan leaf=\"\">」\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">正如我们所言，理财是为了让你想要达到的理想生活，都能有财务去支持。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">对应的，我们财富水池的分配顺序，是不是也完全吻合了马斯洛需求模型的逻辑？\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">所以，这个看似简单的财富水池模型，是符合绝大多数人需求，也是能解决实际问题的一个理财模型。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\"> \u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;\">\n  \u003Cspan style=\"font-size: 16px;\">\u003Cspan leaf=\"\">以此为基础，相信大家在理财实践的路上，才能走得更顺，更成体系。\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-bottom: 0px;margin-left: 16px;margin-right: 16px;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0pt 16px;white-space: normal;font-size: 11pt;color: rgb(73, 73, 73);line-height: 2em;text-align: center;\">\n  \u003Cspan style=\"font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);color: rgb(98, 90, 90);font-size: 12px;letter-spacing: 0.544px;caret-color: rgb(98, 90, 90);\">\u003Cspan leaf=\"\">后台回复“理财小工具”\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: center;line-height: 1.75em;margin-bottom: 0px;margin-left: 16px;margin-right: 16px;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);color: rgb(98, 90, 90);font-size: 12px;letter-spacing: 0.544px;caret-color: rgb(98, 90, 90);\">\u003Cspan leaf=\"\">免费领取\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-size: 12px;letter-spacing: 0.544px;caret-color: rgb(98, 90, 90);color: rgb(255, 76, 0);background-color: rgb(255, 254, 213);\">\u003Cstrong>\u003Cspan leaf=\"\">40个赚钱工具资源包\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection nodeleaf=\"\" style=\"white-space: normal;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;margin-bottom: 0px;margin-left: 16px;margin-right: 16px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F84821f3f-9548-475f-beef-bf9aaad2c17c.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;margin-bottom: 0px;margin-left: 16px;margin-right: 16px;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;margin-bottom: 0px;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cstrong style=\"max-width: 100%;letter-spacing: 0.544px;color: rgb(255, 104, 39);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"max-width: 100%;font-size: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong style=\"letter-spacing: 0.544px;text-align: left;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong style=\"font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;text-align: left;white-space: normal;max-width: 100%;color: rgb(255, 104, 39);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003C\u002Fstrong>\u003Cspan leaf=\"\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fc85e1f5f-de36-40d3-af4e-9711ba2aa5aa.jpg\">\u003C\u002Fspan>\u003Cspan style=\"text-wrap: wrap;color: rgb(214, 168, 65);font-family: Optima-Regular, PingFangTC-light;font-size: 14px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);\">\u003Cspan leaf=\"\">点击阅读原文，加入vip~\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"display: none;margin-left: 16px;margin-right: 16px;\">\n  \u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"display: none;\">\n  \u003Cmp-style-type data-value=\"3\">\u003C\u002Fmp-style-type>\u003C\u002Fp>\n\u003C\u002Fdiv>","","2025-07-06 21:30:00",100,0,"py自动生成","2026-04-29 17:15:39",false,18254,"1038002",[],[],[],[],[]]