Just Keep Buying
内容简介
Everyone faces big questions when it comes to money: questions about saving, investing, and whether you’re getting it right with your finances.
Unfortunately, many of the answers provided by the financial industry have been based on belief and conjecture rather than data and evidence―until now.
In Just Keep Buying, hugely popular finance blogger Nick Maggiulli crunches the numbers to answer the biggest questions in personal finance and investing, while providing you with proven ways to build your wealth right away.
You will learn why you need to save less than you think; why saving up cash to buy market dips isn’t a good idea; how to survive (and thrive) during a market crash; and much more.
By following the strategies revealed here, you can act smarter and live richer each and every day. It’s time to take the next step in your wealth-building journey. It’s time to Just Keep Buying.
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作者简介
Nick Maggiulli is the Chief Operating Officer and Data Scientist at Ritholtz Wealth Management, where he oversees operations across the firm and provides insights on business intelligence. He is also the author of OfDollarsAndData.com, a blog focused on the intersection of data and personal finance. His work has been featured in The Wall Street Journal, CNBC, and The Los Angeles Times. Mr. Maggiulli graduated from Stanford University with a degree in Economics and currently resides in New York City.
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目录
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读书文摘
你需要的是一种新的看待消费的角度，这样你就可以毫无顾虑地做出财务决定。为了做到这一点，我推荐两个小窍门，将它们结合使用，你会在花钱时完全没有内疚感。它们是： 1. 两倍法则。每当我想在某件东西上“挥霍”时，我都必须拿出等量的现金进行投资。 2. 专注于长期满足感最大化。购买体验、犒劳自己（偶尔）、购买额外时间、预付费用（例如全包假期）、为别人花钱
诺贝尔经济学奖得主罗伯特·席勒计算出，1915—2015年，经通胀调整后，美国住房市场的年实际收益率“仅为0.6%”。更重要的是，这部分实际收益大部分发生在2000年之后。 从19世纪末到20世纪末，经通胀调整后，美国住房价格基本持平。
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