聪明生活经济学

这是一部关于个人财务管理的实用指南，适合那些希望提高财务知识、掌控个人财务并做出明智财务决策以实现财务目标的普通人，并逐步实现自己想要的生活。从预算管理、储蓄、投资、债务管理、退休规划到财富创造，涵盖了个人财务管理的多个方面。 纪录片中分享了有价值的见解和实用的财务建议，包括如何做出明智的财务决策，养成健康的消费和储蓄习惯，创建适合自己的预算，有效管理债务和信用卡消费，以及为长期财务成功打下坚实基础。片中还强调了设定财务目标、了解投资选项和规划退休的重要性，以及如何应对常见的财务挑战，例如应对紧急情况、管理学生贷款和处理保险等。 这部纪录片真正引人注目的地方在于，它不仅仅是一部初级理财知识的普及片，更注重通过普通人的真实生活案例来解决实际的理财问题。导演采用简明易懂的风格，使复杂的财务概念对于不同金融素养水平的观众易于理解。 我特别喜欢这部纪录片在结尾处强调的一个观点，即我们挣钱并不仅仅是为了追求金钱和物质财富，而是为了过上我们想要的生活。这种关注个人内心价值观和生活目标的观点深深触动了我，让我更加思考自己的财务管理方式。也因此从⭐️⭐️⭐️加到了⭐️⭐️⭐️⭐️。

原则的作者Ray Dalio 在书中曾强调过: There is no correlation between happiness levels and conventional markers of success. A carpenter who derives his deepest satisfaction from working with wood can easily have a life as good or better than the president of the United States. If you've learned anything from this book I hope it ’ s that everyone has strengths and weaknesses , and everyone has an important role to play in life. Nature made everything and everyone for a purpose. The courage that’ s needed the most isn’ t the kind that drives you to prevail over others, but the kind that allows you to be true to your truest self, no matter what other people want you to be. 大意是幸福水平与传统的成功标准之间没有必然的关联。一个能够从自己的工作中获得深层满足的木匠也能拥有与美国总统相当甚至更好的幸福感. 传统的成功标准通常包括金钱、权利、社会地位等外部因素，真正的幸福并不完全依赖于这些因素。一个人可以通过从事自己热爱并能够从中获得满足感的工作，获得深层次的幸福感,当然经济基础决定上层建筑.一定的经济基础是能够给与自己与家人一定的自由的空间去做自己想做的事情, 去过自己想要的生活.

节流：少花钱是最快最简单的途径，但是能够节约的部分是有限的。

开源：收入是没有上限的，想要赚更多的钱，就必须独立出来。

投资：股票

花钱：在花钱之前，先问自己四个问题（多关注Need和Love）

存钱：将收入进行五等分

1. 1. 家庭账单
   2. 个人账单
   3. 支出账户
   4. 存款（紧急情况）
   5. 存款（梦想基金）

这部记录片主要讲述4位有相关财务问题的个人或家庭在财务理财规划师根据个人能力和状况，提出建议和指导。 第一位是打两份工还是月光的有才华的小姐姐Lindsey，她在理财师的建议下，开拓自己的副业，不断把自己的才华爱好兴趣外显到有赚钱的机会。 第二位是在年少考运动天赋突然暴富而不知道理财的已经成家立室的Teez，他在理财师的建议下，每月定投买基金（股票）。 第三位是欠下学生贷款，不停刷信用卡过日子的妈妈Ariana，她在理财师的建议下购物时减少花费，购物时先思考自己是否喜欢 需要 爱 想要这样物品。 第四位是爸爸在家里照顾孩子，妈妈是一位心理咨询师的家庭Kim &John，他们经济状况相对不错，赚钱能力优秀，但是他们觉得他们没有存下什么钱。在理财师建议下，他们购物时学会比较价格和比以前理性消费，搬进花销更小的房子，从而向他们提前退休的目标前进。 合理规划自己的金钱，理性消费，不透支，适当投资，尽可能开拓副业，这可能是聪明生活经济学表达给我们的主要思想吧。

摘抄: 大部分人会在花钱在这三样东西上:居住，交通，食物。如果你能在这三件事上削减开支，那你就能省下很多钱。 少花钱就是最快最简单的捷径，但是你能节约的部分是有限的，你能赚多少钱是没有上限的。 在花钱之前问自己四个问题 我需要它吗？Do I need it? 我爱它吗？Do I love it? 我喜欢它吗？Do I like it? 我想要它吗？Do I want it? 购物前，问自己“真的能使用到这东西吗？我使用的频率是多少？” 百万富翁也是十块钱十块钱积攒起来的，而每个十块都是建造城堡的砖瓦，为你的百万富翁之路贡献力量。（A millionaire is made $10 at a time. $10 are like bricks in your castle of become a millionaire.） 钱的最终目标是不必再考虑钱。如果你花钱花得少，那其他问题都会烟消云散。 当你转移你的关注点，思考你能赚到多少，如何增加你的收入。你能赚多少钱取决于你能贡献的东西有多稀有和珍贵。

As the strongest country in the world, the people in the U.S. are struggling to survive. That's absurb, but it's true.

I happen to have been lived in the U.S. for two years, from 2013-2015. I accompanied my husband to study in Ann Arbor, Michigan. At that time, we didn't have income. And as a foreigner with F2 visa, I was not allowed to work there legally. So I had plenty of time to be exposed in the society of the U.S.

Ann Arbor is a small college town. It's beautiful all year round, especially in the fall. I tried my best to connect to the local society. I attended two bible study groups; I joined a book study group and a hiking group; I went to ESL class every week; I found several language partners to tutor Chinese and learn Enghlish with her; I joined a stay-at-home mom group.

As a foreigner with no recognization with any local people, it seems that I made a bunch of friends eventually through these groups. However, when I looked back, I suddenly realized the friends I made could be seprated into two groups: international friends and christian friends.

Here I want to talk about my christian friends in the U.S.. I took them as my friends. But actually, they didn't. They just wanted to introduce me to believe in God. They were very frugal. Extremely frugal.

They could drive 2 hours to another town, just for purchasing some cheap strawberries.

They went to the thrift stores very often. And they took me there, too.

They gave cheap gifts to me. Very often, these gifts were from the thrift stores. I could tell!

They could pay 100 dollars for How to Save Money class. (They are generous in learning how to save money)

...............

I could not bear their frugality. And they impacted me into a frugal person, too. I was not used to the life in China in the beginning of coming back. I dressed the T-shirts. and also dressed my baby with the second-handed clothes that I brought back from the U.S.; I calculated how to save money by buying the cheapest things in the supermarket; I spent a lot of time to find out the cheapest things on Taobao; I gave my friends the cheap gifts; I rented the cheap apartment.

I ended up living miserably in those two years. And finally I realized that I could not live like this any more. My husband had a good income, why should I live like we were very poor. And the time in calculating and searching matters. Time is precious.

This was the impact I got from the frugal Americans. After I came back to China, I alway take a pity in the Americans. They are really struggling. They are not happy, in that strongest country.

给在服务行业工作但是给想要靠艺术赚钱的女生：（我最喜欢她的建议导师啦，建议都很实在）

1. 少花钱是最快最简单的途径，但节约的部分是有限的
2. 想要真正赚钱，必须独立
3. 在服务行业工作的同时还需要有兼职
4. 富人心态：我周围都是赚钱的机会
5. 自己做饭能省下很多钱
6. 一旦开始做自己喜欢的事情，开始从无到有去建立和创造，那就是成功，成功就是幸福
7. 你赚的钱数量取决于你创造价值的稀有程度

给突然暴富但不知道怎么理财的橄榄球运动员

1. 购买index fund（S&P 500）
2. 把钱紧紧握在手上，会失去你的钱，因为有个东西叫通货膨胀（inflation）
3. 投资是一种生活方式

datapoint：美国78%橄榄球运动员在退役后都会有经济危机

给很多孩子还背负了学生贷款的母亲：

1. 买之前问自己4个问题：need、love、like、want
2. 将need、love和like、want区分开来，将注意力更多放在need、love上，你在掌控生活；将注意力放在like、want上，你在被生活掌控
3. 将账户提前分好：house bills、个人账户、spending account、emergency savings、dream savings

给想要最终实现FIRE的家庭

1. PJM: Purchase Justification Machine 消费合理化机器——减慢它的运行
2. 需要想明白自己5年后想要过上什么样的生活
3. 学会在买grocery的时候学会比较同类产品，他们之间的差别没有你想象中的大
4. 对金钱的想法：不应该是短期的欢愉，而应该是长期的自由
5. 钱的最终目标是不再考虑钱

从小就知道金钱不是万能的，但没有钱万万不能。所以希望能够让金钱为我所用，我不为金钱所困，好好理财才能获得更大的自由和幸福感。克制自律，持之以恒。

虽然是纪录片当中所说的开源节流、存钱、预算、消费、投资理财等都是老生常谈，但是这个纪录片用比较温情的方式，记录了普通人生活的改变，还是值得一看的，至少能够用普通人的改变来鼓励自己迈出改变的第一步。

非常羡慕和佩服视频当中蓝发女孩的才华和做出改变的勇气及实践的能力。我希望自己能够慢慢地用自己喜欢的事情，为自己的生活增添更多的保障和愉悦。