{"id":48374,"date":"2024-05-21T23:56:00","date_gmt":"2024-05-21T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=48374"},"modified":"2026-03-14T11:29:30","modified_gmt":"2026-03-14T03:29:30","slug":"%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/","title":{"rendered":"\u8499\u683c\u6700\u91cd\u8981\u7684\u8457\u4f5c\u300a\u7aae\u67e5\u7406\u7684\u666e\u901a\u5e38\u8b58\uff08Poor Charlie&#8217;s Almanack\uff09\u300b"},"content":{"rendered":"\n<p>\u63a8\u85a6\u4f60\u8b80\u6211\u7684\u53e6\u4e00\u7bc7\u95dc\u65bc\u8499\u683c\u50b3\u8a18\u7684\u8cbc\u6587\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/03\/13\/%E3%80%8A%E6%8A%95%E8%B3%87%E5%93%B2%E4%BA%BA%E6%9F%A5%E7%90%86%E8%92%99%E6%A0%BC%E5%82%B3%EF%BC%88damn-right%EF%BC%89%E3%80%8B\/\">\u6295\u8cc7\u54f2\u4eba\u67e5\u7406\u8499\u683c\u50b3\uff08Damn Right\uff09<\/a>\u300b<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E7%B0%A1%E4%BB%8B\" >\u7c21\u4ecb<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E5%85%88%E5%BF%AB%E9%80%9F%E6%9A%B8%E8%A7%A3%E8%92%99%E6%A0%BC\" >\u5148\u5feb\u901f\u66b8\u89e3\u8499\u683c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E6%9C%AC%E6%96%87%E5%85%A7%E5%AE%B9%E7%9A%84%E5%AE%89%E6%8E%92\" >\u672c\u6587\u5167\u5bb9\u7684\u5b89\u6392<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E6%9C%AC%E4%BA%BA%E8%AE%80%E3%80%8A%E7%AA%AE%E6%9F%A5%E7%90%86%E7%9A%84%E6%99%AE%E9%80%9A%E5%B8%B8%E8%AD%98%E3%80%8B%E7%9A%84%E7%B6%93%E9%A9%97%E8%AB%87\" >\u672c\u4eba\u8b80\u300a\u7aae\u67e5\u7406\u7684\u666e\u901a\u5e38\u8b58\u300b\u7684\u7d93\u9a57\u8ac7<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E8%92%99%E6%A0%BC%E7%9A%84%E6%8A%95%E8%B3%87%E5%93%B2%E5%AD%B8\" >\u8499\u683c\u7684\u6295\u8cc7\u54f2\u5b78<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E5%A4%9A%E5%85%83%E6%80%9D%E8%80%83%E6%A8%A1%E5%9E%8B\" >\u591a\u5143\u601d\u8003\u6a21\u578b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E8%83%BD%E5%8A%9B%E5%9C%88\" >\u80fd\u529b\u5708<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E6%8A%95%E8%B3%87%E5%8E%9F%E5%89%87%E6%AA%A2%E6%9F%A5%E6%B8%85%E5%96%AE\" >\u6295\u8cc7\u539f\u5247\u6aa2\u67e5\u6e05\u55ae<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E8%91%97%E5%90%8D%E7%9A%84%E6%BC%94%E8%AC%9B%E5%92%8C%E6%96%87%E7%AB%A0\" >\u8457\u540d\u7684\u6f14\u8b1b\u548c\u6587\u7ae0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E5%A6%82%E4%BD%95%E8%AE%93%E8%87%AA%E5%B7%B1%E6%82%B2%E6%85%98\" >\u5982\u4f55\u8b93\u81ea\u5df1\u60b2\u6158<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E6%99%AE%E4%B8%96%E6%99%BA%E6%85%A7%E7%9A%84%E6%8A%95%E8%B3%87%E9%81%8B%E7%94%A8\" 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href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E8%B2%A1%E5%AF%8C%E7%AE%A1%E7%90%86%E6%A5%AD\" >\u8ca1\u5bcc\u7ba1\u7406\u696d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E5%A6%82%E4%BD%95%E8%A9%95%E4%BC%B0%E6%89%80%E8%B3%BC%E7%9A%84%E4%BC%81%E6%A5%AD%EF%BC%9F\" >\u5982\u4f55\u8a55\u4f30\u6240\u8cfc\u7684\u4f01\u696d\uff1f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E8%AB%96%E5%9F%BA%E6%9C%AC%E7%9A%84%EF%BC%8C%E6%99%AE%E4%B8%96%E7%9A%84%E6%99%BA%E6%85%A7\" >\u8ad6\u57fa\u672c\u7684\uff0c\u666e\u4e16\u7684\u667a\u6167<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E9%97%9C%E6%96%BC%E5%AF%A6%E7%94%A8%E6%80%9D%E7%B6%AD%E7%9A%84%E5%AF%A6%E5%8B%99%E6%80%9D%E8%80%83\" >\u95dc\u65bc\u5be6\u7528\u601d\u7dad\u7684\u5be6\u52d9\u601d\u8003<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E5%B0%88%E6%A5%AD%E4%BA%BA%E5%A3%AB%E9%9C%80%E8%A6%81%E6%9B%B4%E5%A4%9A%E8%B7%A8%E9%A0%98%E5%9F%9F%E6%8A%80%E8%83%BD\" >\u5c08\u696d\u4eba\u58eb\u9700\u8981\u66f4\u591a\u8de8\u9818\u57df\u6280\u80fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E5%83%8F%E6%B3%A2%E5%85%8B%E5%A4%8F%E4%B8%80%E6%A8%A3%E6%8A%95%E8%B3%87\" >\u50cf\u6ce2\u514b\u590f\u4e00\u6a23\u6295\u8cc7<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E8%B2%A1%E5%AF%8C%E6%95%88%E6%87%89%E8%88%87%E7%81%B0%E9%87%91%E6%95%88%E6%87%89\" >\u8ca1\u5bcc\u6548\u61c9\u8207\u7070\u91d1\u6548\u61c9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#2003%E5%B9%B4%E7%9A%84%E9%87%91%E8%9E%8D%E5%A4%A7%E9%86%9C%E8%81%9E\" >2003\u5e74\u7684\u91d1\u878d\u5927\u919c\u805e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E5%AD%B8%E9%99%A2%E6%B4%BE%E7%B6%93%E6%BF%9F%E5%AD%B8%E7%9A%84%E4%B9%9D%E5%A4%A7%E7%BC%BA%E9%99%B7\" >\u5b78\u9662\u6d3e\u7d93\u6fdf\u5b78\u7684\u4e5d\u5927\u7f3a\u9677<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E8%92%99%E6%A0%BC%E7%9A%84%E6%99%AE%E9%80%9A%E5%B8%B8%E8%AD%98\" >\u8499\u683c\u7684\u666e\u901a\u5e38\u8b58<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E4%BA%BA%E9%A1%9E%E8%AA%A4%E5%88%A4%E5%BF%83%E7%90%86%E5%AD%B8\" >\u4eba\u985e\u8aa4\u5224\u5fc3\u7406\u5b78<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E7%B5%90%E8%AA%9E\" >\u7d50\u8a9e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/21\/%e7%aa%ae%e6%9f%a5%e7%90%86%e7%9a%84%e6%99%ae%e9%80%9a%e5%b8%b8%e8%ad%98\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B0%A1%E4%BB%8B\"><\/span>\u7c21\u4ecb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u300a<a href=\"https:\/\/www.amazon.com\/Poor-Charlies-Almanack-Charles-Expanded\/dp\/1578645018\" target=\"_blank\" rel=\"noreferrer noopener\">\u7aae\u67e5\u7406\u7684\u666e\u901a\u5e38\u8b58\uff08Poor Charlie&#8217;s Almanack\uff09<\/a>\u300b\u662f\u60f3\u66b8\u89e3\u8499\u683c\u4e00\u751f\u300c\u601d\u60f3\u300d\u7684\u5fc5\u8b80\u66f8\u7c4d\uff0c\u91cd\u9ede\u4e26\u4e0d\u5728\u6295\u8cc7\uff0c\u800c\u662f\u5728\u8ac7\u8499\u683c\u7684\u4eba\u751f\u54f2\u5b78\uff0c\u5167\u5bb9\u975e\u5e38\u8c50\u5bcc\u3002\u8981\u63d0\u9192\u5927\u5bb6\u7684\u662f\u9019\u672c\u66f8\u5176\u5be6\u5f88\u8271\u6df1\u96e3\u8b80\uff0c\u4e26\u4e0d\u9069\u5408\u6240\u6709\u4eba\u95b1\u8b80\uff0c\u4f46\u82e5\u6709\u5fc3\u7684\u8a71\uff0c\u591a\u8b80\u500b\u5e7e\u6b21\u9084\u662f\u80fd\u8b80\u61c2\u66f8\u4e2d\u7684\u5167\u5bb9\u3002<\/p>\n\n\n\n<p>\u4e2d\u6587\u7248\u9084\u7279\u5730\u627e\u4e86\u548c\u8499\u683c\u672c\u4eba\u6df1\u4ea4\u5e7e\u5341\u5e74\u7684\u674e\u797f\u672c\u4eba\u70ba\u4e86\u672c\u66f8\u7684\u4e2d\u6587\u7248\u5beb\u4e86\u4e00\u7bc7\u5f88\u597d\u7684\u5c0e\u8b80\uff0c\u5efa\u8b70\u8b80\u8005\u4e0d\u61c9\u932f\u904e\u4ed6\u7684\u5c08\u6587\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%88%E5%BF%AB%E9%80%9F%E6%9A%B8%E8%A7%A3%E8%92%99%E6%A0%BC\"><\/span>\u5148\u5feb\u901f\u66b8\u89e3\u8499\u683c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u60a8\u5be6\u5728\u5c0d\u8499\u683c\u4e0d\u662f\u592a\u66b8\u89e3\uff0c\u52d9\u5fc5\u8acb\u60a8\u5728\u8b80\u672c\u66f8\u4e4b\u524d\uff0c\u5148\u8b80\u4e00\u4e0b\u6211\u4e4b\u524d\u7684\u90e8\u843d\u683c\u5c08\u6587\u5c0d\u4ed6\u7684\u5b8c\u6574\u4ecb\u7d39\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/08\/27\/%E5%80%BC%E5%BE%97%E6%87%B7%E5%BF%B5%E7%9A%84%E6%9F%A5%E7%90%86%E8%92%99%E6%A0%BC\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u503c\u5f97\u61f7\u5ff5\u7684\u5049\u5927\u6295\u8cc7\u5927\u5e2b\u67e5\u7406\uff0e\u8499\u683c\uff08Charlie Munger\uff09<\/a>\u300b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%9C%AC%E6%96%87%E5%85%A7%E5%AE%B9%E7%9A%84%E5%AE%89%E6%8E%92\"><\/span>\u672c\u6587\u5167\u5bb9\u7684\u5b89\u6392<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9019\u672c\u66f8\u53d6\u4e3b\u8981\u7684\u5167\u5bb9\uff0c\u90fd\u662f\u4ee5\u8499\u683c\u751f\u6daf\u7684\u5e7e\u7bc7\u91cd\u8981\u7684\u516c\u958b\u6f14\u8b1b\u70ba\u57fa\u790e\u6240\u5beb\u6210\u7684\uff0c\u56e0\u6b64\u6211\u5728\u64b0\u5beb\u9019\u7bc7\u8cbc\u6587\u6642\uff0c\u82b1\u4e86\u5f88\u591a\u6642\u9593\uff0c\u70ba\u8b80\u8005\u627e\u51fa\u9019\u5e7e\u7bc7\u516c\u958b\u6f14\u8b1b\u7684\u539f\u59cb\u82f1\u6587\u8b1b\u7a3f\u7684\u7db2\u8def\u9023\u7d50\u3002\u6709\u8208\u8da3\u7684\u8b80\u8005\uff0c\u53ef\u4ee5\u9010\u4e00\u9ede\u9078\u5c0d\u61c9\u7684\u5167\u5bb9\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%9C%AC%E4%BA%BA%E8%AE%80%E3%80%8A%E7%AA%AE%E6%9F%A5%E7%90%86%E7%9A%84%E6%99%AE%E9%80%9A%E5%B8%B8%E8%AD%98%E3%80%8B%E7%9A%84%E7%B6%93%E9%A9%97%E8%AB%87\"><\/span>\u672c\u4eba\u8b80\u300a\u7aae\u67e5\u7406\u7684\u666e\u901a\u5e38\u8b58\u300b\u7684\u7d93\u9a57\u8ac7<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u60a8\u5920\u8aa0\u5be6\uff0c\u5f88\u5c11\u4eba\u5728\u7b2c\u4e00\u6b21\u8b80\u9019\u672c\u66f8\u6642\uff0c\u5c31\u80fd\u89ba\u5f97\u81ea\u5df1\u80fd\u5b8c\u5168\u66b8\u89e3\u8499\u683c\u66f8\u4e2d\u60f3\u50b3\u9054\u7684\u667a\u6167\uff0c\u80fd\u4e00\u53e3\u6c23\u5168\u66f8\u90fd\u770b\u5b8c\u4eba\u90fd\u5f88\u5c11\u3002<\/p>\n\n\n\n<p>\u6211\u81ea\u5df1\u8f03\u5e74\u8f15\u6642\uff0c\u8b80\u904e\u9019\u672c\u66f8\u5e00\u6b21\u6b21\uff1b\u5766\u767d\u8aaa\uff0c\u90a3\u6642\u7406\u89e3\u5f97\u5f88\u6709\u9650\uff0c\u95b1\u8b80\u7684\u901f\u8b80\u4e5f\u5f88\u6162\uff0c\u4e0d\u662f\u5f88\u9806\u5229\u3002\u7e3d\u89ba\u5f97\u66f8\u7684\u5167\u5bb9\u592a\u96e3\u3001\u5f88\u591a\u4e3b\u984c\u90fd\u5f88\u8271\u6f80\u96e3\u61c2\u3001\u8ac7\u8ad6\u7684\u4e3b\u984c\u7bc4\u570d\u592a\u5927\u3001\u8499\u683c\u592a\u904e\u8070\u660e\u3002\u6700\u8fd1\u53c8\u62ff\u51fa\u4f86\u91cd\u8b80\uff0c\u767c\u73fe\u81ea\u5df1\u5c0d\u66f8\u4e2d\u7684\u5167\u5bb9\u7684\u7406\u89e3\u5df2\u7d93\u589e\u52a0\u4e86\u4e0d\u5c11\uff1b\u91cd\u8b80\u6b64\u66f8\u771f\u6709\u5982\u7372\u81f3\u5bf6\u7684\u611f\u89ba\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%92%99%E6%A0%BC%E7%9A%84%E6%8A%95%E8%B3%87%E5%93%B2%E5%AD%B8\"><\/span>\u8499\u683c\u7684\u6295\u8cc7\u54f2\u5b78<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A4%9A%E5%85%83%E6%80%9D%E8%80%83%E6%A8%A1%E5%9E%8B\"><\/span>\u591a\u5143\u601d\u8003\u6a21\u578b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8499\u683c\u7684\u6295\u8cc7\u6cd5\u4e0d\u6703\u53ea\u5c0d\u4e00\u5bb6\u4f01\u696d\u8ca1\u52d9\u8cc7\u8a0a\u9032\u884c\u819a\u6dfa\u7684\u55ae\u7368\u8a55\u4f30\u800c\u5df2\uff0c\u800c\u662f\u5c0d\u4f01\u696d\u5167\u90e8\u7684\u7d93\u71df\u72c0\u6cc1\u548c\u4f01\u696d\u6240\u8655\u7684\u6574\u9ad4\u7684\u751f\u614b\u7cfb\u7d71\u9032\u884c\u5168\u9762\u7684\u5206\u6790\u3002\u4ed6\u7a31\u9019\u5957\u8a55\u4f30\u5de5\u5177\u70ba\u591a\u5143\u601d\u7dad\u6a21\u578b\u3002<\/p>\n\n\n\n<p>\u9019\u662f\u4e00\u500b\u8490\u96c6\u548c\u8655\u7406\u8cc7\u8a0a\uff0c\u4e26\u4f9d\u7167\u8cc7\u8a0a\u884c\u52d5\u7684\u6846\u67b6\uff1b\u9019\u5957\u6a21\u578b\u6703\u501f\u7528\u4e26\u6574\u5408\u6240\u6709\u50b3\u7d71\u9818\u57df\u7684\u5206\u6790\u5de5\u5177\uff0c\u65b9\u6cd5\u548c\u516c\u5f0f\u3002\u9019\u4e9b\u9818\u57df\u5305\u62ec\u6b77\u53f2\u3001\u5fc3\u7406\u3001\u6578\u5b78\u3001\u751f\u7406\u3001\u5de5\u7a0b\u3001\u751f\u7269\u3001\u7269\u7406\u3001\u5316\u5b78\u3001\u7d71\u8a08\u3001\u7d93\u6fdf\u7b49\u3002<\/p>\n\n\n\n<p>\u9019\u4e9b\u5de5\u5177\u88e1\u6700\u91cd\u8981\u7684\u5305\u62ec\u4e86\u5de5\u7a0b\u5b78\u7684\u5099\u63f4\u7cfb\u7d71\u3001\u6578\u5b78\u7684\u8907\u5229\u6a21\u578b\u3001\u7269\u7406\u5b78\u548c\u5316\u5b78\u7684\u81e8\u754c\u9ede\uff0f\u50be\u659c\u77e9\uff0f\u81ea\u52d5\u50ac\u5316\u6a21\u578b\u3001\u751f\u7269\u5b78\u7684\u73fe\u4ee3\u9054\u723e\u6587\u7d9c\u5408\u6a21\u578b\u3001\u4ee5\u53ca\u5fc3\u7406\u5b78\u7684\u8a8d\u77e5\u932f\u8aa4\u6a21\u578b\uff1b\u4ed6\u7279\u5225\u6307\u51fa\u5fc3\u7406\u5b78\u5c24\u5176\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u9019\u5957\u5168\u9762\u7684\u5206\u6790\u65b9\u5f0f\uff0c\u8b93\u4eba\u66f4\u5bb9\u6613\u7406\u89e3\u548c\u6295\u8cc7\u6a19\u7684\u4e4b\u9593\u76f8\u95dc\u7684\u5404\u7a2e\u56e0\u7d20\uff0c\u4ed6\u5011\u5982\u4f55\u4e92\u76f8\u5f71\u97ff\uff0c\u5f7c\u6b64\u6709\u4f55\u95dc\u806f\u3002\u6709\u6642\u4e5f\u6703\u7522\u751f\u6f23\u6f2a\u6548\u61c9\u6216\u6ea2\u51fa\u6548\u61c9\uff0c\u4e5f\u6709\u53ef\u80fd\u9020\u6210\u5de8\u5927\u7684\u9b6f\u62c9\u5e15\u8def\u85a9\uff08Lollapalooza\uff09\u7d1a\u6548\u61c9\u3002<\/p>\n\n\n\n<p>\u611b\u8fea\u725b\u8868\u793a\u904e\u300c\u79d1\u5b78\u7406\u8ad6\u61c9\u8a72\u5118\u91cf\u7c21\u55ae\uff0c\u4f46\u53c8\u4e0d\u80fd\u904e\u65bc\u7c21\u55ae\u3002\u300d\u8499\u683c\u5f88\u6709\u611f\u5730\u8868\u793a\uff1a\u300c\u6211\u6700\u53cd\u5c0d\u7684\u662f\u904e\u65bc\u81ea\u4fe1\uff0c\u904e\u65bc\u6709\u628a\u63e1\u5730\u8a8d\u70ba\uff1a\u81ea\u5df1\u6e05\u695a\u67d0\u6b21\u884c\u52d5\u662f\u5229\u5927\u65bc\u5f0a\u3002\u4f60\u8981\u61c9\u4ed8\u7684\u662f\u9ad8\u5ea6\u8907\u96dc\u7684\u7cfb\u7d71\uff0c\u5728\u5176\u4e2d\uff0c\u4efb\u4f55\u4e8b\u7269\u90fd\u548c\u5176\u4ed6\u56e0\u7d20\u76f8\u4e92\u5f71\u97ff\u3002\u300d<\/p>\n\n\n\n<p>\u8a3b\uff1a\u9b6f\u62c9\u5e15\u8def\u85a9\u6548\u61c9\u662f\u4ed6\u767c\u660e\u7684\u5b57\u773c\uff0c\u610f\u601d\u662f\u5404\u7a2e\u56e0\u7d20\u4e92\u76f8\u5f37\u5316\uff0c\u4e26\u5c07\u5f7c\u6b64\u6975\u5927\u5316\u7684\u73fe\u8c61\u3002<\/p>\n\n\n\n<p>\u8499\u683c\u8a8d\u70ba\u6e96\u5099\u3001\u8010\u5fc3\u3001\u7d00\u5f8b\u3001\u548c\u5ba2\u89c0\u662f\u6700\u57fa\u672c\u7684\u6307\u5c0e\u539f\u5247\u3002\u53ea\u8981\u5e7e\u6b21\u6c7a\u5b9a\u4fbf\u80fd\u9020\u5c31\u6210\u529f\u7684\u6295\u8cc7\u751f\u6daf\uff0c\u4e2d\u610f\u7684\u4f01\u696d\u4ed6\u6703\u4e0b\u975e\u5e38\u5927\u7684\u8ced\u6ce8\uff0c\u9577\u6642\u9593\u6301\u6709\u2500\u2500\u2500\u4ed6\u7a31\u70ba\u5750\u7b49\u6295\u8cc7\u6cd5\uff08Sit on your ass investing\uff09\u3002<\/p>\n\n\n\n<p>\u4ed6\u8a8d\u70ba\u9019\u5957\u6295\u8cc7\u6cd5\u7684\u597d\u8655\u662f\uff1a\u300c\u4f60\u4ed8\u7d66\u4ea4\u6613\u54e1\u7684\u8cbb\u7528\u66f4\u5c11\uff0c\u807d\u5230\u7684\u5ee2\u8a71\u4e5f\u66f4\u5c11\u3002\u5982\u679c\u65b9\u6cd5\u751f\u6548\uff0c\u7a05\u52d9\u7cfb\u7d71\u6bcf\u5e74\u6703\u7d66\u4f60\u767e\u5206\u4e4b\u4e00\uff0c\u4e8c\uff0c\u6216\u4e09\u7684\u56de\u5831\u3002\u300d\u56e0\u6b64\u5728\u4ed6\u770b\u4f86\uff0c\u8cfc\u8cb7\u4e09\u5bb6\u516c\u53f8\u7684\u80a1\u7968\u5c31\u5920\u4e86\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%83%BD%E5%8A%9B%E5%9C%88\"><\/span>\u80fd\u529b\u5708<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8499\u683c\u628a\u6295\u8cc7\u9818\u57df\u9650\u5236\u5728\u300c\u7c21\u55ae\u4e14\u53ef\u4ee5\u7406\u89e3\u7684\u5099\u9078\u9805\u76ee\u300d\u4e4b\u5167\u3002\u300c\u95dc\u65bc\u6295\u8cc7\uff0c\u6211\u5011\u6709\u4e09\u500b\u9078\u9805\uff1a\u53ef\u4ee5\u6295\u8cc7\uff0c\u4e0d\u80fd\u6295\u8cc7\uff0c\u592a\u96e3\u7406\u89e3\u3002\u300d\u5bb9\u6613\u7406\u89e3\uff0c\u6709\u767c\u5c55\u7a7a\u9593\uff0c\u80fd\u5728\u4efb\u4f55\u5e02\u5834\u74b0\u5883\u4e0b\u751f\u5b58\u7684\u4e3b\u6d41\u884c\u696d\uff0c\u624d\u6703\u88ab\u4ed6\u7d0d\u5165\u53ef\u4ee5\u6295\u8cc7\u3002<\/p>\n\n\n\n<p>\u8499\u683c\u5c0d\u4f01\u696d\u8ca1\u52d9\u5831\u8868\u548c\u6703\u8a08\u4f5c\u696d\u7e3d\u662f\u62b1\u6301\u61f7\u7591\u7684\u614b\u5ea6\uff0c\u4ed6\u8a8d\u70ba\u9019\u9802\u591a\u662f\u8a08\u7b97\u4f01\u696d\u50f9\u503c\u7684\u958b\u59cb\uff0c\u800c\u975e\u7d50\u675f\uff1b\u56e0\u70ba\u4ed6\u8981\u984d\u5916\u6aa2\u67e5\u7684\u56e0\u7d20\u975e\u5e38\u591a\u3002\u9019\u4e9b\u56e0\u7d20\u5305\u62ec\u6cd5\u5f8b\u74b0\u5883\u3001\u52de\u5de5\u3001\u4f9b\u61c9\u5546\u548c\u5ba2\u6236\u7684\u95dc\u4fc2\u3001\u6280\u8853\u8b8a\u9769\u7684\u6f5b\u5728\u5f71\u97ff\u3001\u7af6\u722d\u512a\u52a3\u52e2\u3001\u5b9a\u50f9\u80fd\u529b\u3001\u74b0\u4fdd\u8b70\u984c\u3001\u6f5b\u5728\u7684\u98a8\u96aa\u3002\u800c\u4e14\u4e5f\u6703\u8a55\u4f30\u9000\u4f11\u91d1\u8a08\u5283\u3001\u80a1\u7968\u9078\u64c7\u6b0a\u3001\u91ab\u7642\u798f\u5229\u73fe\u5728\u548c\u672a\u4f86\u7684\u771f\u5be6\u5f71\u97ff\u3002\u4e4b\u5f8c\uff0c\u4ed6\u624d\u6703\u4f9d\u81ea\u5df1\u7684\u8abf\u67e5\u7406\u89e3\uff0c\u8abf\u6574\u4f01\u696d\u7684\u8ca1\u52d9\u5831\u8868\u88e1\u7684\u6578\u5b57\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u4ed6\u6703\u8a66\u8457\u7531\u7522\u54c1\u3001\u5e02\u5834\u3001\u5546\u6a19\u3001\u54e1\u5de5\u3001\u7d93\u92b7\u7ba1\u9053\u3001\u793e\u6703\u8da8\u52e2\u3001\u4f30\u4f01\u696d\u7684\u7af6\u722d\u512a\u52e2\u548c\u6301\u7e8c\u6027\u2500\u2500\u2500\u4e5f\u5c31\u662f\u8b77\u57ce\u6cb3\u3002\u5c31\u4ed6\u7684\u7d93\u9a57\u4f86\u770b\uff0c\u300c\u80fd\u6b77\u7d93\u6578\u4ee3\u800c\u6b77\u4e45\u4e0d\u8870\u7684\u4f01\u696d\u5c11\u4e4b\u53c8\u5c11\u3002\u300d<\/p>\n\n\n\n<p>\u6700\u5f8c\u4ed6\u624d\u8a08\u7b97\u4f01\u696d\u7684\u50f9\u503c\uff0c\u8003\u616e\u5728\u672a\u4f86\u80a1\u6b0a\u7a00\u91cb\u7684\u60c5\u5f62\u4e0b\uff0c\u6c7a\u5b9a\u6bcf\u80a1\u50f9\u503c\u548c\u5e02\u50f9\u7684\u6bd4\u8f03\u2500\u2500\u2500\u9019\u5c31\u662f\u6574\u500b\u904e\u7a0b\u7684\u76ee\u6a19\uff1a\u50f9\u683c\u548c\u50f9\u503c\u7684\u6bd4\u8f03\u3002<\/p>\n\n\n\n<p>\u300c\u8cfc\u8cb7\u80a1\u50f9\u5408\u7406\u7684\u5353\u8d8a\u4f01\u696d\uff0c\u52dd\u904e\u8cfc\u8cb7\u80a1\u50f9\u4fbf\u5b9c\u7684\u5e73\u5eb8\u4f01\u696d\u3002\u300d\u5df4\u83f2\u7279\u66fe\u8aaa\u662f\u8499\u683c\u8b93\u4ed6\u66f4\u52a0\u5805\u4fe1\u9019\u7a2e\u65b9\u6cd5\u7684\u667a\u6167\uff1a\u300c\u8499\u683c\u5f88\u65e9\u5c31\u61c2\u5f97\u9019\u500b\u9053\u7406\uff0c\u6211\u662f\u5f8c\u4f86\u624d\u660e\u767d\u7684\u3002\u300d<\/p>\n\n\n\n<p>\u6b63\u78ba\u8a55\u4f30\u4f01\u696d\u50f9\u503c\u5f8c\uff0c\u9084\u5fc5\u9700\u5728\u6b63\u78ba\u7684\u6642\u9593\u9ede\u8cb7\u9032\uff0c\u4e5f\u6703\u5728\u8cb7\u9032\u6263\u52d5\u677f\u6a5f\u524d\uff0c\u9032\u884c\u66f4\u8a73\u7d30\u7684\u6aa2\u67e5\uff08\u5373\u4ee5\u4e0b\u7684\u6aa2\u67e5\u6e05\u55ae\uff09\u3002\u4f9d\u9019\u5957\u65b9\u7be9\u9078\u904e\u7a0b\u9700\u8981\u5f88\u5f37\u7684\u81ea\u5236\u529b\uff0c\u800c\u4e14\u6703\u9020\u6210\u5f88\u9577\u6642\u9593\u5167\u6c92\u6709\u6a19\u7684\u53ef\u4ee5\u884c\u52d5\u3002<\/p>\n\n\n\n<p>\u6b63\u56e0\u70ba\u5982\u6b64\uff0c\u4ed6\u8a8d\u70ba\uff1a\u300c\u5c0d\u65bc\u63d0\u51fa\u66f4\u5b8c\u5584\u7684\u6295\u8cc7\u7b56\u7565\u4e26\u52a0\u4ee5\u57f7\u884c\u800c\u8a00\uff0c\u52e4\u596e\u5de5\u4f5c\u662f\u662f\u81f3\u95dc\u91cd\u8981\u7684\u3002\u300d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%8A%95%E8%B3%87%E5%8E%9F%E5%89%87%E6%AA%A2%E6%9F%A5%E6%B8%85%E5%96%AE\"><\/span>\u6295\u8cc7\u539f\u5247\u6aa2\u67e5\u6e05\u55ae<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u81f3\u65bc\u4ed6\u662f\u5982\u4f55\u8fa6\u5230\u7684\uff1f\u8499\u683c\u66fe\u63a8\u85a6\u4f7f\u7528\u6aa2\u67e5\u6e05\u55ae\u6aa2\u9a57\u6cd5\u3002\u4ee5\u4e0b\u5c31\u662f\u4ed6\u7684\u6295\u8cc7\u539f\u5247\u4e2d\uff0c\u503c\u5f97\u88ab\u5217\u5165\u6aa2\u67e5\u6e05\u55ae\u7684\u9805\u76ee\uff0c\u5305\u62ec\u4e86\u98a8\u96aa\u3001\u7368\u7acb\u3001\u6e96\u5099\u3001\u8b19\u865b\u3001\u56b4\u683c\u5206\u6790\u3001\u914d\u7f6e\u3001\u8010\u5fc3\u3001\u6c7a\u5fc3\u3001\u6539\u8b8a\u3001\u4ee5\u53ca\u5c08\u6ce8\u7b49\u3002<\/p>\n\n\n\n<p>\u300c\u8070\u660e\u7684\u98db\u884c\u54e1\u5373\u4f7f\u624d\u83ef\u518d\u904e\u4eba\uff0c\u7d93\u9a57\u518d\u8c50\u5bcc\uff0c\u4e5f\u7d55\u4e0d\u6703\u4e0d\u4f7f\u7528\u6aa2\u67e5\u6e05\u55ae\u3002\u300d<\/p>\n\n\n\n<p>\u300c\u6211\u5011\u50be\u5411\u628a\u5927\u90e8\u4efd\u7684\u9322\u653e\u5728\u4e0d\u7528\u518d\u984d\u5916\u505a\u6c7a\u7b56\u7684\u5730\u65b9\u3002\u300d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%91%97%E5%90%8D%E7%9A%84%E6%BC%94%E8%AC%9B%E5%92%8C%E6%96%87%E7%AB%A0\"><\/span>\u8457\u540d\u7684\u6f14\u8b1b\u548c\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E8%AE%93%E8%87%AA%E5%B7%B1%E6%82%B2%E6%85%98\"><\/span>\u5982\u4f55\u8b93\u81ea\u5df1\u60b2\u6158<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>1986\u5e74\u5728\u54c8\u4f5b\u897f\u6e56\u5b78\u9662\u7684\u6f14\u8aaa\uff0c\u539f\u6587\u5728\u53ef\u4ee5\u9ede\u9078\u300a<a href=\"https:\/\/jamesclear.com\/great-speeches\/how-to-guarantee-a-life-of-misery-by-charlie-munger\" target=\"_blank\" rel=\"noreferrer noopener\">\u5982\u4f55\u8b93\u81ea\u5df1\u60b2\u6158\uff08How to Guarantee a Life of Misery\uff09<\/a>\u300b\u3002\u9019\u5834\u8457\u540d\u7684\u6f14\u8aaa\u4e2d\u7684\u91cd\u9ede\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u8b49\u751f\u6d3b\u60b2\u6158\u7684\u8655\u65b9\u5305\u62ec\uff1a\u70ba\u4e86\u6539\u8b8a\u5fc3\u6216\u611f\u53d7\u800c\u5438\u98df\u6bd2\u54c1\u3001\u5992\u5fcc\u3001\u6028\u6068\u3002<\/li>\n\n\n\n<li>\u53cd\u8986\u7121\u5e38\uff0c\u4e0d\u8981\u8654\u8aa0\u7684\u505a\u4f60\u6b63\u5728\u505a\u7684\u4e8b\u3002\u53ea\u8981\u990a\u6210\u9019\u6a23\u7684\u7fd2\u6163\uff0c\u5c31\u80fd\u7dbd\u7dbd\u6709\u9918\u62b5\u92b7\u6240\u6709\u512a\u9ede\u5e36\u4f86\u7684\u6548\u61c9\uff0c\u4e0d\u7ba1\u90a3\u500b\u6548\u61c9\u6709\u591a\u5927\u3002<\/li>\n\n\n\n<li>\u300c\u6211\u53ea\u60f3\u77e5\u9053\u6211\u5c07\u4f86\u6703\u6b7b\u5728\u4ec0\u9ebc\u5730\u65b9\uff0c\u9019\u6a23\u6211\u5c31\u53ef\u4ee5\u6c38\u9060\u4e0d\u53bb\u90a3\u500b\u5730\u65b9\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u53cd\u904e\u4f86\u60f3\uff0c\u7e3d\u662f\u53cd\u904e\u4f86\u60f3\u3002\u300d<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%99%AE%E4%B8%96%E6%99%BA%E6%85%A7%E7%9A%84%E6%8A%95%E8%B3%87%E9%81%8B%E7%94%A8\"><\/span>\u666e\u4e16\u667a\u6167\u7684\u6295\u8cc7\u904b\u7528<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u57281995\u5e74\u8868\u7684\u300a<a href=\"https:\/\/fs.blog\/great-talks\/a-lesson-on-worldly-wisdom\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u666e\u4e16\u667a\u6167\u7684\u6295\u8cc7\u904b\u7528\uff08A Lesson on Elementary Worldly Wisdom As It Relates To Investment Management &amp; Business\uff09<\/a>\u300b\uff0c\u5167\u5bb9\u5305\u7f85\u842c\u8c61\uff0c\u91cd\u9ede\u5982\u4e0b\uff1a<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A4%9A%E5%85%83%E6%80%9D%E8%80%83%E6%A8%A1%E5%9E%8B-2\"><\/span>\u591a\u5143\u601d\u8003\u6a21\u578b<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300c\u5728\u624b\u88e1\u62ff\u8457\u9435\u9318\u7684\u4eba\u773c\u4e2d\uff0c\u4e16\u754c\u5c31\u50cf\u4e00\u6839\u91d8\u5b50\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u5982\u679c\u4f60\u53ea\u8a18\u5f97\u4e00\u4e9b\u5b64\u7acb\u7684\u4e8b\u5be6\u8a66\u5716\u628a\u4ed6\u5011\u786c\u6e4a\u8d77\u4f86\uff0c\u5c07\u7121\u6cd5\u76f4\u6b63\u7406\u89e3\u4efb\u4f55\u6771\u897f\u3002\u5982\u679c\u9019\u4e9b\u4e8b\u5be6\u4e0d\u5728\u4e00\u500b\u7406\u8ad6\u6846\u67b6\u4e2d\u76f8\u4e92\u806f\u7e6b\uff0c\u90a3\u5c31\u6d3e\u4e0d\u4e0a\u7528\u5834\u3002\u300d\u300c\u4f60\u5fc5\u9700\u5728\u8166\u4e2d\u64c1\u6709\u4e00\u601d\u7dad\u6a21\u578b\uff0c\u9760\u9019\u4e9b\u6a21\u578b\u7d44\u6210\u7684\u6846\u67b6\u4f86\u6574\u7406\u9593\u63a5\u548c\u76f4\u63a5\u7684\u7d93\u9a57\u3002\u300d\u300c\u9019\u4e9b\u6a21\u578b\u5fc5\u9700\u4f86\u81ea\u5404\u500b\u4e0d\u540c\u7684\u9818\u57df\uff0c\u56e0\u70ba\u4e00\u500b\u5c0f\u5c0f\u7684\u9662\u7cfb\u4e0d\u53ef\u80fd\u6db5\u62ec\u4eba\u4e16\u9593\u6240\u6709\u7684\u667a\u6167\u3002\u300d<\/li>\n<\/ul>\n\n\n\n<p><strong>\u8a3b<\/strong>\uff1a\u5373\u672c\u6587\u7a0d\u65e9\u63d0\u904e\u7684\u591a\u5143\u601d\u8003\u6a21\u578b\u4e2d\u6240\u5217\u7684\u5b78\u79d1\u9818\u57df\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5927\u591a\u6578\u4eba\u8a66\u5716\u4ee5\u4e00\u7a2e\u601d\u7dad\u6a21\u578b\u4f86\u89e3\u6c7a\u6240\u6709\u554f\u984c\uff0c\u800c\u5176\u601d\u7dad\u5f80\u5f80\u53ea\u4f86\u81ea\u67d0\u4e00\u5c08\u696d\u5b78\u79d1\uff1b\u4f46\u4f60\u5fc5\u9808\u77e5\u9053\u300c\u5404\u7a2e\u91cd\u8981\u5b78\u79d1\u7684\u91cd\u8981\u7406\u8ad6\u300d\uff0c\u624d\u80fd\u6d1e\u5bdf\u554f\u984c\u672c\u8cea\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u8a3b<\/strong>\uff1a\u9019\u4e5f\u662f\u6211\u4e4b\u524d\u6240\u5beb\u7684\u8cbc\u6587\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/20\/%E6%8A%95%E8%B3%87%E7%9F%A5%E8%AD%98%E9%9C%80%E8%A6%81%E7%9A%84%E6%98%AF%E5%BB%A3%E5%BA%A6\/\">\u6295\u8cc7\u77e5\u8b58\u9700\u8981\u7684\u662f\u5ee3\u5ea6\uff0c\u800c\u4e0d\u662f\u5927\u591a\u6578\u4eba\u8a8d\u70ba\u7684\u6df1\u5ea6<\/a>\u300b\u7684\u4e3b\u65e8\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u96d9\u8ecc\u4efd\u6790\uff1a\u300c\u9996\u5148\uff0c\u7406\u6027\u5730\u770b\u54ea\u4e9b\u56e0\u7d20\u771f\u63a7\u5236\u4e86\u5229\u76ca\uff1f\u5176\u6b21\uff0c\u7576\u5927\u8166\u8655\u65bc\u6f5b\u610f\u8b58\u72c0\u614b\u6642\uff0c\u6709\u4e9b\u6f5b\u610f\u8b58\u56e0\u7d20\u6703\u4f7f\u5927\u8166\u81ea\u52d5\u5f62\u6210\u770b\u4f3c\u6709\u7528\u4f46\u5f80\u5f80\u5931\u9748\u7684\u7d50\u8ad6\uff1f\u300d<\/li>\n<\/ul>\n\n\n\n<p><strong>\u8a3b<\/strong>\uff1a\u6211\u500b\u4eba\u7684\u770b\u6cd5\u662f\u8499\u683c\u63d0\u51fa\u7684\u96d9\u8ecc\u4efd\u6790\uff0c\u5176\u5be6\u5c31\u662f\u4e39\u5c3c\u723e\uff0e\u5361\u5c3c\u66fc\uff08Daniel Kahneman\uff09\u5728\u4ed6\u7684\u4ee3\u8868\u9245\u4f5c\u300a\u5feb\u601d\u6162\u60f3\u300b\u6240\u4e2d\u63d0\u51fa\u7684\u7cfb\u7d71<span style=\"font-size: revert;\">\u4e00<\/span>\u548c\u7cfb\u7d71\u4e8c\u7684\u7406\u8ad6\u662f\u76f8\u4f3c\u7684\u3002\u8a73\u898b\u6211\u4e4b\u524d\u6240\u5beb\u7684\u8cbc\u6587\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/20\/%E6%8A%95%E8%B3%87%E7%9F%A5%E8%AD%98%E9%9C%80%E8%A6%81%E7%9A%84%E6%98%AF%E5%BB%A3%E5%BA%A6\/\">\u6295\u8cc7\u77e5\u8b58\u9700\u8981\u7684\u662f\u5ee3\u5ea6\uff0c\u800c\u4e0d\u662f\u5927\u591a\u6578\u4eba\u8a8d\u70ba\u7684\u6df1\u5ea6<\/a>\u300b\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A5%BD%E4%BC%81%E6%A5%AD%E5%BE%88%E7%BD%95%E8%A6%8B%EF%BC%8C%E8%A6%81%E9%9B%86%E4%B8%AD%E6%8A%95%E8%B3%87\"><\/span>\u597d\u4f01\u696d\u5f88\u7f55\u898b\uff0c\u8981\u96c6\u4e2d\u6295\u8cc7<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300c\u5982\u679c\u767c\u73fe\u4e86\u4e00\u6b21\u5b9a\u932f\u50f9\u683c\u7684\u8ced\u6ce8\uff0c\u800c\u4e14\u975e\u5e38\u6709\u628a\u63e1\u6703\u8d0f\uff0c\u5c31\u61c9\u8a72\u72e0\u72e0\u4e0b\u6ce8\uff0c\u6240\u4ee5\u6211\u5011\u7684\u6295\u8cc7\u6c92\u6709\u90a3\u9ebc\u5206\u6563\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u597d\u597d\u628a\u63e1\u5c11\u6578\u5e7e\u500b\u770b\u6e96\u7684\u6a5f\u6703\uff0c\u6bd4\u5047\u88dd\u4ec0\u9ebc\u90fd\u61c2\u597d\u5f97\u591a\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u7ac5\u9580\u5c31\u5728\u65bc\u8cb7\u9032\u90a3\u4e9b\u512a\u8cea\u7684\u4f01\u696d\uff0c\u56e0\u70ba\u90a3\u5c31\u7b49\u65bc\u4f60\u8cb7\u5230\u4e86\u90a3\u5bb6\u516c\u53f8\u7684\u6210\u9577\u52d5\u80fd\uff0c\u6240\u5e36\u4f86\u7684\u898f\u6a21\u512a\u52e2\u3002\u300d\u300c\u8981\u600e\u9ebc\u624d\u80fd\u8fa6\u5230\u5462\uff1f\u6709\u4e00\u7a2e\u65b9\u6cd5\u5c31\u662f\u5728\u4ed6\u6c1c\u5f88\u5c11\u7684\u6642\u5c31\u767c\u73fe\uff0c\u4e26\u8cb7\u9032\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u627e\u5230\u67d0\u500b\u50f9\u683c\u516c\u9053\u7684\u512a\u79c0\u4f01\u696d\u7684\u80a1\u7968\uff0c\u8cb7\u9032\uff0c\u7136\u5f8c\u5750\u4e0b\u4f86\u7b49\u3002\u9019\u7a2e\u65b9\u6cd5\u5c07\u6703\u975e\u5e38\u975e\u5e38\u6709\u6548\uff0c\u5c24\u5176\u662f\u5c0d\u6563\u6236\u800c\u8a00\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u628a\u8ced\u6ce8\u62bc\u5728\u4f01\u696d\u7684\u6210\u9577\u6f5b\u529b\u4e0a\uff0c\u6bd4\u62bc\u5728\u9818\u5c0e\u8005\u7684\u7d20\u8cea\u6216\u667a\u6167\u4e0a\uff0c\u66f4\u70ba\u4fdd\u96aa\u3002\u300d<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%A1%E5%AF%8C%E7%AE%A1%E7%90%86%E6%A5%AD\"><\/span>\u8ca1\u5bcc\u7ba1\u7406\u696d<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300c\u5728\u6de8\u503c\u7684\u6c34\u6e96\u4e0a\uff0c\u6574\u500b\u6295\u8cc7\u7ba1\u7406\u696d\u4e26\u6c92\u6709\u70ba\u5ba2\u6236\u5275\u9020\u9644\u52a0\u50f9\u503c\uff0c\u800c\u9019\u5c31\u662f\u4ed6\u7684\u904b\u4f5c\u6a21\u5f0f\u3002\u300d<\/li>\n<\/ul>\n\n\n\n<p><strong>\u8a3b<\/strong>\uff1a\u5f8c\u4f86\u8499\u683c\u6709\u4e00\u6b21\u56de\u7b54\u5b78\u751f\u63d0\u554f\u6642\u8868\u793a\uff1a\u300c\u53ea\u8981\u7368\u7acb\u601d\u8003\u7684\u4eba\uff0c\u5c31\u80fd\u5275\u9020\u9644\u52a0\u50f9\u503c\u3002\u3002\u300d<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300c\u6295\u8cc7\u4eba\u7684\u8003\u91cf\u548c\u6295\u8cc7\u7ba1\u7406\u696d\u8005\u4e0d\u540c\uff0c\u6c7a\u5b9a\u884c\u70ba\u7684\u662f\u6c7a\u7b56\u8005\u7684\u6fc0\u52f5\u6a5f\u5236\u3002\u300d<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E8%A9%95%E4%BC%B0%E6%89%80%E8%B3%BC%E7%9A%84%E4%BC%81%E6%A5%AD%EF%BC%9F\"><\/span>\u5982\u4f55\u8a55\u4f30\u6240\u8cfc\u7684\u4f01\u696d\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\u6211\u548c\u5df4\u83f2\u7279\u901a\u5e38\u4e0d\u592a\u7528\u8ca1\u52d9\u6578\u5b57\u8861\u91cf\uff0c\u6211\u5011\u4f7f\u7528\u8a31\u591a\u5982\u4e0b\u5ba2\u89c0\u7684\u6a19\u6e96\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9818\u5c0e\u4eba\u503c\u5f97\u4fe1\u8cf4\u55ce\uff1f<\/li>\n\n\n\n<li>\u6703\u640d\u5bb3\u6211\u5011\u7684\u8072\u8b7d\u55ce\uff1f<\/li>\n\n\n\n<li>\u6703\u51fa\u73fe\u4ec0\u9ebc\u6a23\u7684\u554f\u984c\uff1f<\/li>\n\n\n\n<li>\u6211\u5011\u7406\u89e3\u9019\u500b\u884c\u696d\u55ce\uff1f<\/li>\n\n\n\n<li>\u9019\u5bb6\u4f01\u696d\u9700\u8981\u589e\u8cc7\u624d\u80fd\u7e7c\u7e8c\u904b\u505a\u55ce\uff1f<\/li>\n\n\n\n<li>\u9810\u671f\u7684\u73fe\u91d1\u6d41\u662f\u591a\u5c11\uff1f<\/li>\n<\/ul>\n\n\n\n<p>\u6211\u5011\u4e26\u4e0d\u671f\u5f85\u5b83\u6703\u76f4\u7dda\u6210\u9577\uff0c\u53ea\u8981\u50f9\u683c\u9069\u4e2d\uff0c\u9031\u671f\u6027\u6210\u9577\u6211\u5011\u4e5f\u80fd\u63a5\u53d7\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%AB%96%E5%9F%BA%E6%9C%AC%E7%9A%84%EF%BC%8C%E6%99%AE%E4%B8%96%E7%9A%84%E6%99%BA%E6%85%A7\"><\/span>\u8ad6\u57fa\u672c\u7684\uff0c\u666e\u4e16\u7684\u667a\u6167<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u300a<a href=\"https:\/\/www.stripe.press\/poor-charlies-almanack\/talk-three?progress=0.00%\" target=\"_blank\" rel=\"noreferrer noopener\">\u8ad6\u57fa\u672c\u7684\uff0c\u666e\u4e16\u7684\u667a\u6167\uff08A Lesson on Elementary, Worldly Wisdom, Revisited\uff09<\/a>\u300b\u662f1997\u548c1998\u5e74\u767c\u8868\uff0c1996\u5e74\u8499\u683c\u5c0d\u5a01\u5ec9\u62c9\u5e0c\u723e\u6559\u6388\u5b78\u751f\u7684\u6f14\u8aaa\u5167\u5bb9\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300c\u8ac7\u5230\u8de8\u9818\u57df\u65b9\u6cd5\uff0c\u6211\u547c\u7c72\u4f60\u5011\u4e0d\u8981\u7406\u6703\u5b78\u79d1\u9593\u7684\u754c\u7dda\uff0c\u61c9\u8a72\u638c\u63e1\u5404\u79d1\u7684\u4e3b\u8981\u7406\u8ad6\u6a21\u578b\uff0c\u800c\u4e14\u5fc5\u9700\u901a\u901a\u90fd\u8981\u6d3e\u4e0a\u7528\u5834\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u5982\u679c\u80fd\u628a\u81ea\u5df1\u8a13\u7df4\u5730\u66f4\u5ba2\u89c0\uff0c\u64c1\u6709\u66f4\u591a\u9818\u57df\u7684\u77e5\u8b58\uff1b\u90a3\u9ebc\u5728\u8003\u616e\u4e8b\u60c5\u7684\u6642\u5019\u5c31\u80fd\u5920\u6bd4\u53ea\u9760\u8070\u660e\u7684\u4eba\u66f4\u53b2\u5bb3\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u6211\u5011\u4e26\u6c92\u6709\u4e00\u5957\u5c65\u8a66\u4e0d\u723d\uff0c\u53ef\u4ee5\u7528\u4f86\u5224\u65b7\u6240\u6709\u6295\u8cc7\u6c7a\u7b56\u7684\u65b9\u6cd5\uff0c\u6211\u5011\u7684\u65b9\u6cd5\u90fd\u4e0d\u76f8\u540c\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u6211\u5011\u53ea\u662f\u5c0b\u627e\u90a3\u4e9b\u4e0d\u7528\u52d5\u8166\u4e5f\u77e5\u9053\u80fd\u8cfa\u9322\u7684\u6a5f\u6703\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u4ee5\u6ce2\u514b\u590f\u6700\u6210\u529f\u7684\u5341\u500b\u6295\u8cc7\u6848\u70ba\u4f8b\uff0c\u6211\u5011\u5c31\u7b97\u4e0d\u6295\u8cc7\u5176\u4ed6\u6848\u5b50\uff0c\u4e5f\u6703\u975e\u5e38\u5bcc\u88d5\u3002\u90a3\u4e9b\u9322\uff0c\u5169\u8f29\u5b50\u90fd\u82b1\u4e0d\u5b8c\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u4f60\u5011\u53ef\u4ee5\u900f\u904e\u5b78\u7fd2\uff0c\u6bd4\u5176\u5b83\u4eba\u5c11\u72af\u4e00\u9ede\u932f\uff0c\u4e5f\u80fd\u5728\u72af\u932f\u5f8c\u66f4\u5feb\u4fee\u6b63\u3002\u4f46\u65e2\u8981\u904e\u5bcc\u8db3\u7684\u751f\u6d3b\u53c8\u4e0d\u72af\u5f88\u932f\uff0c\u662f\u4e0d\u53ef\u80fd\u7684\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u7834\u7522\u8005\u7684\u901a\u75c5\u662f\u7121\u6cd5\u6b63\u78ba\u5730\u8655\u7406\u5fc3\u7406\u5426\u8a8d\u3002\u4f60\u5c0d\u67d0\u6a23\u6771\u897f\u6295\u5165\u4e86\u6975\u5927\u7684\u7cbe\u529b\uff0c\u50be\u6ce8\u5fc3\u8840\u548c\u91d1\u9322\uff0c\u4f60\u6295\u5165\u6108\u591a\uff0c\u4e00\u81f4\u6027\u539f\u5247\u5c31\u6703\u50ac\u4fc3\u4f60\u53bb\u60f3\u300e\uff1a\u9019\u5fc5\u9700\u6210\u529f\uff0c\u5982\u679c\u6211\u518d\u6295\u5165\u4e00\u9ede\uff0c\u5c31\u6703\u6210\u529f\u3002\u300f\u300d<\/li>\n\n\n\n<li>\u300c\u6709\u4e9b\u4eba\u96d6\u6bd4\u4f60\u6709\u5b78\u554f\uff0c\u4f46\u4ed6\u7684\u8a8d\u77e5\u660e\u986f\u53d7\u5230\u6fc0\u52f5\u6a5f\u5236\u5f15\u8d77\u7684\u504f\u898b\uff0c\u6216\u985e\u4f3c\u7684\u5fc3\u7406\u56e0\u7d20\u7684\u5f71\u97ff\u6642\uff0c\u4f60\u5fc5\u9700\u6709\u81ea\u4fe1\u63a8\u7ffb\u4ed6\u7684\u7d50\u8ad6\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u5728\u591a\u6578\u60c5\u5f62\u4e0b\uff0c \u8981\u8aaa\u670d\u4e00\u500b\u4eba\uff0c\u5f9e\u9019\u500b\u4eba\u7684\u5229\u76ca\u51fa\u767c\u662f\u6700\u6709\u6548\u7684\u65b9\u6cd5\u3002\u300d<\/li>\n\n\n\n<li>\u300c\u6211\u8a8d\u70ba\u61c9\u8a72\u638c\u63e1\u5225\u4eba\u5df2\u7d93\u5f04\u6e05\u695a\u7684\u9053\u7406\uff0c\u6211\u4e0d\u8a8d\u70ba\u4eba\u5011\u53ea\u8981\u5750\u4e0b\u4f86\u7a7a\u60f3\uff0c\u5c31\u80fd\u638c\u63e1\u666e\u4e16\u667a\u3002\u6c92\u6709\u4eba\u90a3\u9ebc\u8070\u660e\u3002\u300d<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%97%9C%E6%96%BC%E5%AF%A6%E7%94%A8%E6%80%9D%E7%B6%AD%E7%9A%84%E5%AF%A6%E5%8B%99%E6%80%9D%E8%80%83\"><\/span>\u95dc\u65bc\u5be6\u7528\u601d\u7dad\u7684\u5be6\u52d9\u601d\u8003<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5728\u300a<a href=\"https:\/\/www.stripe.press\/poor-charlies-almanack\/talk-four?progress=0.00%\" target=\"_blank\" rel=\"noreferrer noopener\">\u95dc\u65bc\u5be6\u7528\u601d\u7dad\u7684\u5be6\u52d9\u601d\u8003\uff08Practical Thought About Practical Thought\uff09<\/a>\u300b\u9019\u7bc7\u6f14\u8b1b\u4e2d\uff0c\u8499\u683c\u7528\u5be6\u4f8b\u4f86\u89e3\u91cb\uff0c\u5982\u4f55\u900f\u904e\u5404\u7a2e\u601d\u7dad\u6a21\u578b\u505a\u6c7a\u7b56\u548c\u89e3\u6c7a\u554f\u984c\u3002<\/p>\n\n\n\n<p>\u4ed6\u9996\u5148\u8868\u793a\u6709\u56db\u500b\u5be6\u7528\u7684\u4ee5\u4e0b\u89c0\u5ff5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7c21\u5316\u554f\u984c\u6700\u4f73\u7684\u65b9\u6cd5\u662f\uff0c\u5148\u89e3\u6c7a\u90a3\u4e9b\u7b54\u6848\u986f\u800c\u6613\u898b\u7684\u5927\u554f\u984c\u3002<\/li>\n\n\n\n<li>\u552f\u6709\u6578\u5b78\u624d\u80fd\u63ed\u793a\u79d1\u5b78\u7684\u771f\u9762\u8c8c\u3002<\/li>\n\n\n\n<li>\u53ea\u6703\u6b63\u9762\u601d\u8003\u554f\u984c\u662f\u4e0d\u5920\u7684\uff0c\u4f60\u5fc5\u9700\u5f9e\u53cd\u9762\u601d\u8003\u3002<\/li>\n\n\n\n<li>\u6700\u597d\u7684\uff0c\u6700\u5be6\u7528\u7684\u667a\u6167\uff0c\u4f86\u81ea\u57fa\u790e\u7684\u5b78\u8853\u77e5\u8b58\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u300c\u5982\u679c\u4f60\u5728\u601d\u8003\u554f\u984c\u6642\u5b8c\u5168\u4f9d\u8cf4\u5225\u4eba\uff0c\u6642\u5e38\u82b1\u9322\u8acb\u4e00\u4e9b\u5c08\u5bb6\u9867\u554f\uff0c\u90a3\u9ebc\u8d85\u51fa\u4f60\u90a3\u72f9\u9698\u7684\u77e5\u8b58\u9818\u57df\u6642\uff0c\u4f60\u5c31\u5927\u798d\u81e8\u982d\u4e86\u3002\u300d<\/p>\n\n\n\n<p><strong>\u8a3b<\/strong>\uff1a\u8499\u683c\u7684\u9019\u6bb5\u8a71\uff0c\u5176\u5be6\u5c31\u6211\u4ee5\u4e0b\u6587\u7ae0\u7684\u4e3b\u65e8\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/10\/20\/%E6%80%9D%E8%80%83%E4%B8%8D%E8%83%BD%E5%A4%96%E5%8C%85\/\">\u601d\u8003\u4e0d\u80fd\u5916\u5305<\/a>\u300b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B0%88%E6%A5%AD%E4%BA%BA%E5%A3%AB%E9%9C%80%E8%A6%81%E6%9B%B4%E5%A4%9A%E8%B7%A8%E9%A0%98%E5%9F%9F%E6%8A%80%E8%83%BD\"><\/span>\u5c08\u696d\u4eba\u58eb\u9700\u8981\u66f4\u591a\u8de8\u9818\u57df\u6280\u80fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9019\u4e00\u90e8\u4efd\u4e3b\u8981\u51fa\u81ea\u8499\u683c\u5728\u54c8\u4f5b\u6cd5\u5b78\u9662\u540c\u5b78\u4e94\u5341\u5468\u5e74\u7684\u6f14\u8aaa\u7a3f\uff1a\u300a<a href=\"https:\/\/www.stripe.press\/poor-charlies-almanack\/talk-five?progress=0.00%\" target=\"_blank\" rel=\"noreferrer noopener\">\u5c08\u696d\u4eba\u58eb\u9700\u8981\u66f4\u591a\u8de8\u9818\u57df\u6280\u80fd \uff08The Need for More Multidisciplin ary Skills from Professionals\uff09<\/a>\u300b<\/p>\n\n\n\n<p>\u5c08\u696d\u4eba\u58eb\u51fa\u65bc\u81ea\u79c1\u800c\u6545\u610f\u4f7f\u58de\u5916\uff0c\u5404\u7a2e\u76f8\u4e92\u4ea4\u7e54\u6f5b\u610f\u8b58\u5fc3\u7406\u50be\u5411\uff0c\u4e5f\u5c0d\u5c08\u696d\u4eba\u58eb\u7684\u884c\u70ba\u6709\u6301\u7e8c\u800c\u53ef\u6015\u7684\u5f71\u97ff\u3002\u5176\u4e2d\u5169\u9805\u6700\u5bb9\u6613\u5f15\u8d77\u7684\u7684\u50be\u5411\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6fc0\u52f5\u6a5f\u5236\u6240\u9020\u6210\u7684\u504f\u898b<\/li>\n\n\n\n<li>\u9435\u939a\u4eba\u7684\u50be\u5411<\/li>\n<\/ul>\n\n\n\n<p>\u5728\u7cbe\u82f1\u8edf\u79d1\u5b78\u88e1\uff0c\u6709\u90a3\u4e9b\u65b9\u6cd5\u53ef\u4ee5\u52a0\u901f\u6539\u5584\u5b78\u79d1\u6559\u80b2\u7684\u9032\u7a0b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8981\u6709\u66f4\u591a\u7684\u5fc5\u4fee\u8ab2\uff0c\u800c\u4e0d\u662f\u9078\u4fee\u8ab2\u3002<\/li>\n\n\n\n<li>\u5b78\u751f\u8981\u6709\u66f4\u591a\u8de8\u57df\u77e5\u8b58\u89e3\u6c7a\u554f\u984c\u7684\u5be6\u4f5c\uff0c\u985e\u4f3c\u98db\u884c\u54e1\u6a21\u64ec\u98db\u884c\uff0c\u4ee5\u514d\u4e45\u4e86\u751f\u758f\u3002<\/li>\n\n\n\n<li>\u5584\u7528\u5982\u83ef\u723e\u8857\u65e5\u5831\uff0c\u8ca1\u661f\u96dc\u8a8c\uff0c\u5bcc\u58eb\u6bd4\u96dc\u8a8c\u9019\u985e\u6700\u597d\u7684\u5546\u696d\u520a\u7269\u3002<\/li>\n\n\n\n<li>\u5927\u5b78\u62db\u4eba\u6642\uff0c\u8981\u907f\u514d\u6709\u592a\u5de6\u6216\u592a\u53f3\u653f\u6cbb\u610f\u8b58\u5f62\u614b\u50be\u5411\u8005\u3002<\/li>\n\n\n\n<li>\u8edf\u79d1\u5b78\u61c9\u52a0\u5f37\u6a21\u4eff\u786c\u79d1\u5b78\u7684\u57fa\u672c\u6cbb\u5b78\u7cbe\u795e\u548c\u65b9\u6cd5\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5982\u679c\u5049\u5927\u7684\u54c8\u4f5b\u80fd\u591a\u501f\u93e1\u98db\u884c\u54e1\u7684\u8a13\u7df4\uff0c\u5c31\u4e00\u5b9a\u80fd\u5920\u8b8a\u5f97\u66f4\u51fa\u8272\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%83%8F%E6%B3%A2%E5%85%8B%E5%A4%8F%E4%B8%80%E6%A8%A3%E6%8A%95%E8%B3%87\"><\/span>\u50cf\u6ce2\u514b\u590f\u4e00\u6a23\u6295\u8cc7<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9019\u4e00\u7ae0\u4e3b\u8981\u662f\u4ee51998\u5e74\u6642\uff0c\u8499\u683c\u5c0d\u300a<a href=\"https:\/\/www.stripe.press\/poor-charlies-almanack\/talk-six?progress=0.00%\" target=\"_blank\" rel=\"noreferrer noopener\">\u9818\u5148\u6148\u5584\u57fa\u91d1\u6703\u7684\u6295\u8cc7\u5be6\u52d9\u7684\u6f14\u8aaa\u5167\u5bb9\uff08Investment Practices of Leading Charitable Foundations &#8211; 1998\uff09<\/a>\u300b\u800c\u5beb\u6210\u7684\u3002<\/p>\n\n\n\n<p>\u8499\u683c\u7684\u4e2d\u5fc3\u60f3\u6cd5\u662f\uff1a\u4ed6\u8a8d\u70ba\u5927\u578b\u57fa\u91d1\u6703\u61c9\u8a72\u675c\u7d55\u6d6a\u8cbb\uff0c\u6210\u70ba\u793e\u6703\u7684\u6977\u6a21\uff0c\u4e0d\u8981\u9032\u884c\u7121\u76ca\u7684\u778e\u6295\u8cc7\u3002<\/p>\n\n\n\n<p>\u591a\u6578\u57fa\u91d1\u6703\u7684\u8cc7\u7522\u6703\u6295\u8cc7\u65bc\u80a1\u7968\u548c\u50b5\u5238\u9019\u4e9b\u5178\u578b\u5e38\u898b\u8cc7\u7522\uff0c\u800c\u4e14\u90fd\u6703\u8058\u7528\u4e26\u4ef0\u8cf4\u5916\u90e8\u7684\u6295\u8cc7\u9867\u554f\u4f86\u7ba1\u7406\u57fa\u91d1\u6703\u7684\u8cc7\u7522\u7d44\u5408\u3002\u6295\u8cc7\u9867\u554f\u628a\u9322\u6295\u5411\u5916\u90e8\u7684\u57fa\u91d1\uff0c\u9019\u4e9b\u57fa\u91d1\u518d\u8058\u8acb\u5404\u81ea\u7684\u6295\u8cc7\u9867\u554f\uff0c\u6295\u5411\u4e0d\u540c\u7684\u9818\u57df\u7684\u8cc7\u7522\uff0c\u6839\u64da\u6240\u8b02\u7684\u8c9d\u4ed6\u503c\u548c\u6ce2\u52d5\u6027\u4ee5\u9032\u884c\u5f88\u591a\u7684\u591a\u5143\u5316\u6295\u8cc7\u3002\u9019\u6a23\u6703\u5c0e\u81f4\u539f\u672c\u5df2\u7d93\u5206\u6563\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u9032\u4e00\u6b65\u5206\u6563\u3002<\/p>\n\n\n\n<p>\u9019\u6a23\u7684\u4f5c\u6cd5\u9084\u6703\u5c0e\u81f4\u5fc5\u9700\u5411\u6bcf\u4e00\u5c64\u7684\u6295\u8cc7\u9867\u554f\uff0c\u5206\u6790\u5e2b\u6216\u57fa\u91d1\u7d93\u7406\u4eba\u91cd\u8986\u652f\u4ed8\u4f63\u91d1\uff0c\u9867\u554f\u8cbb\uff0c\u800c\u4e14\u9084\u6703\u589e\u52a0\u9019\u4e9b\u300c\u57fa\u91d1\u4e2d\u7684\u57fa\u91d1\u300d\u7684\u80a1\u7968\u548c\u50b5\u5238\u7684\u8cb7\u8ce3\u4ea4\u6613\uff0c\u52a0\u4e0a\u69d3\u687f\u7684\u4f7f\u7528\uff0c\u9019\u4e9b\u6771\u897f\u7d2f\u52a0\u6240\u9020\u6210\u7684\u6469\u64e6\u6210\u672c\uff0c\u5176\u5be6\u6bcf\u4e00\u5e74\u6703\u5403\u6389\u57fa\u91d1\u6703\u76f8\u7576\u5927\u6bd4\u4f8b\u7684\u56fa\u5b9a\u6210\u672c\uff0c\u5f88\u5bb9\u6613\u8d85\u904e\u57fa\u91d1\u6703\u7e3d\u8cc7\u7522\u76843%\u2500\u2500\u2500\u91cd\u9ede\u662f\u4e0d\u8ad6\u4ed6\u5011\u7684\u7e3e\u6548\u5982\u4f55\uff0c\u57fa\u91d1\u6703\u7684\u8cc7\u7522\u6bcf\u5e74\u6703\u56fa\u5b9a\u7e2e\u6c343%\u3002<\/p>\n\n\n\n<p>\u8499\u683c\u63d0\u51fa\u4ee5\u4e0b\u7684\u4e09\u7a2e\u9078\u64c7\u6cd5\uff0c\u76f8\u4fe1\u53ef\u4ee5\u89e3\u6c7a\u57fa\u91d1\u6703\u6240\u78b0\u5230\u7684\u9019\u500b\u554f\u984c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u89e3\u8058\u6295\u8cc7\u9867\u554f\uff0c\u6e1b\u5c11\u8cb7\u8ce3\u6b21\u6578\uff0c\u6539\u63a1\u6307\u6578\u5316\u7684\u6295\u8cc7\u2500\u2500\u2500\u9019\u662f\u6700\u5408\u7406\u7684\u65b9\u5f0f\u3002<\/li>\n\n\n\n<li>\u4eff\u6548\u6ce2\u514b\u590f\uff0c\u9577\u671f\u6301\u6709\u5e7e\u5bb6\u512a\u79c0\u7684\u516c\u53f8\uff0c\u4e0d\u8981\u983b\u7e41\u8cb7\u8ce3\uff0c\u628a\u57fa\u91d1\u6703\u7684\u6295\u8cc7\u7d44\u5408\u7684\u5e74\u5e73\u5747\u7ba1\u6210\u672c\u964d\u5230\u5343\u5206\u4e4b\u4e00\u4ee5\u4e0b\u3002<\/li>\n\n\n\n<li>\u9664\u4e86\u5c0d\u80a1\u5e02\u9032\u884c\u975e\u69d3\u687f\u5f0f\u7684\u6295\u8cc7\u5916\uff0c\u53ef\u4ee5\u6295\u8cc7\u4e00\u4e9b\u79c1\u52df\u57fa\u91d1\u2500\u2500\u2500\u4f46\u8499\u683c\u4e0d\u662f\u5f88\u63a8\u85a6\u9019\u7a2e\u65b9\u5f0f\uff0c\u81ea\u5df1\u7684\u5bb6\u65cf\u57fa\u91d1\u4e5f\u4e0d\u63a1\u7528\u9019\u7a2e\u65b9\u5f0f\u3002\u9019\u7a2e\u4f5c\u6cd5\u7684\u7b2c\u4e00\u5927\u7f3a\u9ede\u662f\u5728\u7d93\u6fdf\u4e0d\u666f\u6c23\u6642\u6613\u5f15\u767c\u707d\u96e3\u6027\u7684\u5f8c\u679c\u3002\u5176\u6b21\u662f\u79c1\u52df\u57fa\u91d1\u7684\u4f75\u8cfc\u7af6\u722d\u975e\u5e38\u6fc0\u70c8\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u300c\u4f60\u771f\u80fd\u4e86\u89e3\u884d\u751f\u6027\u91d1\u878d\u5546\u54c1\u7684\u76ee\u55ce\uff1f\u8aaa\u662f\u7684\u4eba\u8981\u561b\u662f\u760b\u5b50\uff0c\u8981\u561b\u5728\u8aaa\u8b0a\uff01\u300d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%A1%E5%AF%8C%E6%95%88%E6%87%89%E8%88%87%E7%81%B0%E9%87%91%E6%95%88%E6%87%89\"><\/span>\u8ca1\u5bcc\u6548\u61c9\u8207\u7070\u91d1\u6548\u61c9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9019\u4e00\u7ae0\u7684\u5167\u5bb9\uff0c\u4e3b\u8981\u662f\u4f86\u81ea2000\u5e74\u5c0d\u5e15\u85a9\u63d0\u7d0d\u6148\u5584\u57fa\u91d1\u6703\u7684\u6f14\u8b1b\uff1a\u300a<a href=\"https:\/\/www.stripe.press\/poor-charlies-almanack\/talk-seven?progress=0.00%\" target=\"_blank\" rel=\"noreferrer noopener\">\u6148\u5584\u5713\u684c\u65e9\u9910\u6703 &#8211; 2000\uff08Breakfast Meeting of the Philanthropy Roundtable\uff09<\/a>\u300b\u3002\u8499\u683c\u9019\u6b21\u6f14\u8b1b\u7684\u4e3b\u65e8\u662f\uff1a\u8b93\u5927\u578b\u57fa\u91d1\u6703\u6e1b\u5c11\u72af\u932f\uff0c\u6559\u5c0e\u4ed6\u5011\u5982\u4f55\u9032\u884c\u6709\u6548\u6295\u8cc7\uff0c\u6e1b\u5c11\u6d6a\u8cbb\u3002<\/p>\n\n\n\n<p>\u50b3\u7d71\u7d93\u6fdf\u5b78\u5bb6\u5728\u8a0e\u8ad6\u548c\u9032\u884c\u7d71\u8a08\u6642\uff0c\u90fd\u5ffd\u7565\u6389\u9ed1\u91d1\uff08bezzle\uff09\u9019\u500b\u9805\u76ee\u2500\u2500\u2500\u6307\u5c1a\u672a\u88ab\u63ed\u7a7f\u7684\u8caa\u6c61\u6240\u7372\u5f97\u7684\u9322\u3002<\/p>\n\n\n\n<p>\u8499\u683c\u81ea\u5df1\u4eff\u9ed1\u91d1\uff0c\u5275\u9020\u51fa\u7070\u91d1\uff08febezzle\uff09\u9019\u500b\u5b57\u773c\u3002\u57fa\u91d1\u6703\u6bcf\u5e74\u88ab\u6d6a\u8cbb\u6389\u76843%\u7684\u7e2e\u6c34\u8cc7\u7522\uff0c\u5c31\u662f\u6700\u5178\u578b\u7684\u7070\u91d1\u3002\u54e1\u5de5\u7684\u9078\u64c7\u6b0a\uff0c\u4e5f\u662f\u5e38\u898b\u7684\u7070\u91d1\u3002\u6240\u6709\u7684\u6488\u7070\u91d1\u6240\u8ffc\u6210\u7684\u8ca1\u5bcc\u6548\u61c9\uff0c\u518d\u548c\u51f1\u56e0\u65af\u4e58\u6578\u7684\u4f5c\u7528\u4e0b\uff0c\u751f\u7684\u6548\u61c9\u6703\u66f4\u5927\u3002<\/p>\n\n\n\n<p>\u8499\u683c\u670b\u53cb\u5411\u4ed6\u63d0\u4f9b\u7684\u6578\u64da\uff1a\u5171\u540c\u57fa\u91d1\u7684\u5e74\u5831\u916c\u662f12.8%\uff0c\u4f46\u5171\u540c\u57fa\u91d1\u7684\u6295\u8cc7\u4eba\u6240\u7372\u5f97\u7684\u5e74\u5831\u916c\u7adf\u53ea\u67097.25%\u3002\u4e2d\u9593\u5de8\u5927\u76845%\u7684\u5831\u916c\uff0c\u5176\u5be6\u503c\u5f97\u6240\u6709\u7684\u57fa\u91d1\u6703\u6ce8\u610f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2003%E5%B9%B4%E7%9A%84%E9%87%91%E8%9E%8D%E5%A4%A7%E9%86%9C%E8%81%9E\"><\/span>2003\u5e74\u7684\u91d1\u878d\u5927\u919c\u805e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9019\u7bc7\u6f14\u8b1b\u662f\u8499\u683c\u57282000\u5e74\u5beb\u7684\u300a<a href=\"https:\/\/www.stripe.press\/poor-charlies-almanack\/talk-eight?progress=0.00%\" target=\"_blank\" rel=\"noreferrer noopener\">\u5049\u5927\u7684\u91d1\u878d\u919c\u805e\uff08The Great Financial Scandal of 2003 &#8211; 2000\uff09<\/a>\u300b\uff0c\u9810\u8a00\u4e862003\u5e74\u6240\u767c\u751f\u7684\u91d1\u878d\u5927\u919c\u805e\u3002<\/p>\n\n\n\n<p>\u5bec\u7279\u79d1\u6280\u5728\u8fa6\u4eba\u53bb\u4e16\u6642\uff0c\u516c\u53f8\u7a33\u5b9a\u6210\u9577\uff0c\u54e1\u5de5\u7684\u85aa\u916c\u4e3b\u8981\u7531\u73fe\u91d1\u7d44\u6210\uff0c\u6c92\u6709\u80a1\u7968\u9078\u64c7\u6b0a\u3002\u5275\u8fa6\u4eba\u628a\u516c\u53f8\u6253\u7406\u5f97\u4e95\u4e95\u6709\u689d\uff0c\u53ea\u8981\u6309\u5148\u524d\u7684\u505a\u6cd5\uff0c\u4e00\u5b9a\u53ef\u4ee5\u9010\u5e74\u64f4\u5927\u898f\u6a21\u548c\u6536\u5165\u3002\u4f46\u8fa6\u4eba\u53bb\u4e16\u5f8c\uff0c\u8463\u4e8b\u6703\u70ba\u4e86\u8d95\u4e0a\u7576\u4ee3\u80a1\u5e02\u516c\u53f8\u5e02\u503c\u5feb\u901f\u4e0a\u5347\uff0c\u6210\u70ba\u66f4\u5177\u7af6\u722d\u529b\u7684\u516c\u53f8\uff0c\u627e\u4f86\u5916\u90e8\u7684\u7ba1\u7406\u5718\u968a\uff0c\u4e26\u7acb\u5fd7\u5c0d\u5275\u8fa6\u4eba\u6240\u7559\u4e0b\u7f8e\u597d\u7684\u5236\u5ea6\u9032\u884c\u5fb9\u5e95\u6539\u9769\uff0c\u4ee5\u9054\u6210\u9019\u6a23\u7684\u76ee\u6a19\u3002<\/p>\n\n\n\n<p>\u7531\u65bc\u516c\u53f8\u5728\u5275\u8fa6\u4eba\u7684\u7d93\u71df\u4e0a\u5df2\u4e0a\u8ecc\u9053\uff0c\u4ed6\u5011\u7121\u5f9e\u6539\u5584\uff0c\u4f46\u4ed6\u5011\u627e\u5230\u7684\u65b9\u6cd5\u5c31\u662f\u904b\u7528\u73fe\u4ee3\u91d1\u5de5\u7a0b\u8853\uff0c\u7f8e\u5316\u8ca1\u5831\u3002\u958b\u59cb\u767c\u653e\u54e1\u5de5\u9078\u64c7\u6b0a\uff0c\u4e26\u4e0d\u628a\u9078\u64c7\u6b0a\u7576\u6210\u85aa\u8cc7\uff0c\u9019\u6a23\u5c31\u53ef\u4ee5\u7bc0\u7701\u516c\u53f8\u7684\u85aa\u8cc7\u6210\u672c\uff0c\u5927\u5e45\u6e1b\u5c11\u50b3\u7d71\u516c\u53f8\u61c9\u767c\u7d66\u54e1\u5de5\u7684\u73fe\u91d1\u7d05\u5229\u548c\u596c\u91d1\u3002\u7d50\u679c\u7576\u7136\u4f7f\u516c\u53f8\u7684\u6210\u672c\u5927\u5e45\u6e1b\u5c11\uff0c\u5229\u6f64\u5927\u5e45\u589e\u52a0\uff0c\u80a1\u50f9\u7576\u7136\u96a8\u4e4b\u5927\u5e45\u4e0a\u6f32\u3002<\/p>\n\n\n\n<p>\u63a5\u8457\uff0c\u5718\u7406\u5718\u968a\u53c8\u958b\u59cb\u865b\u5831\u516c\u53f8\u71df\u6536\u548c\u6de8\u5229\uff0c\u52fe\u7d50\u5916\u90e8\u7684\u6703\u8a08\u5be9\u8a08\u67e5\u6838\u4eba\u54e1\uff0c\u4f7f\u516c\u53f8\u7684\u8ca1\u5831\u6578\u5b57\u5448\u73fe\u5b8c\u7f8e\u7684\u6210\u9577\u5047\u8c61\u3002<\/p>\n\n\n\n<p>\u570b\u738b\u7684\u65b0\u8863\u5f8c\u4f86\u88ab\u63ed\u7a7f\uff0c\u9020\u6210\u80a1\u6771\u7684\u61a4\u6012\uff0c\u4fc3\u6210\u4e86\u5c0d\u6703\u8a08\u5e2b\u4e8b\u52d9\u6240\u7684\u6539\u9769\uff0c\u8ca1\u5831\u6f0f\u6d1e\u7684\u4fee\u6b63\uff0c\u4ee5\u53ca\u65b0\u6cd5\u898f\u7684\u7acb\u6cd5\u3002<\/p>\n\n\n\n<p>\u5176\u5be6\u9019\u662f\u8499\u683c\u57282003\u5e74\uff0c\u7f8e\u80a1\u8a31\u591a\u77e5\u540d\u7684\u516c\u53f8\u66b4\u767c\u76f8\u540c\u7684\u5f0a\u6848\u4e4b\u524d\u76842000\u5e74\u6240\u5275\u5275\u7684\u4e00\u500b\u865b\u69cb\u7684\u4e8b\u2500\u2500\u2500\u4f46\u5169\u5e74\u5f8c\uff0c\u8499\u683c\u6210\u4e86\u5148\u77e5\uff0c\u56e0\u70ba\u9019\u4e9b\u66b4\u767c\u6703\u8a08\u5047\u5e33\u5f0a\u6848\u7684\u516c\u53f8\u6240\u4f7f\u7528\u7684\u60c5\u7bc0\uff0c\u548c\u9019\u500b\u6545\u4e8b\u5168\u76f8\u540c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%AD%B8%E9%99%A2%E6%B4%BE%E7%B6%93%E6%BF%9F%E5%AD%B8%E7%9A%84%E4%B9%9D%E5%A4%A7%E7%BC%BA%E9%99%B7\"><\/span>\u5b78\u9662\u6d3e\u7d93\u6fdf\u5b78\u7684\u4e5d\u5927\u7f3a\u9677<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9019\u662f\u4ee52003\u5e74\u8499\u683c\u5728\u52a0\u5dde\u5927\u5b78\u8056\u5854\u82ad\u82ad\u62c9\u5206\u6821\u6240\u767c\u8868\u7684\u300a<a href=\"https:\/\/www.stripe.press\/poor-charlies-almanack\/talk-nine?progress=0.00%\" target=\"_blank\" rel=\"noreferrer noopener\">\u5b78\u9662\u6d3e\u7d93\u6fdf\u5b78\uff1a\u8003\u616e\u8de8\u5b78\u79d1\u9700\u6c42\u5f8c\u7684\u512a\u9ede\u548c\u7f3a\u9ede\uff08Academic Economics: Strengths and Faults after Considering Interdisciplinary Needs &#8211; 2003\uff09<\/a>\u300b\u6f14\u8b1b\u6240\u5beb\u6210\u7684\u5167\u5bb9\u3002<\/p>\n\n\n\n<p>\u5b78\u9662\u6d3e\u7d93\u6fdf\u5b78\u7684\u512a\u9ede\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u751f\u9022\u5176\u6642\uff0c\u751f\u9022\u5176\u5730\u3002<\/li>\n\n\n\n<li>\u5438\u5f15\u4e86\u8edf\u79d1\u5b78\u65b9\u9762\u6700\u512a\u79c0\u7684\u4eba\u624d\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5b78\u9662\u6d3e\u7d93\u6fdf\u5b78\u7684\u7f3a\u9ede\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u81f4\u547d\u7684\u81ea\u9589\uff0c\u5c0e\u81f4\u9435\u939a\u4eba\u75c7\u5019\u7fa4\u3002<\/li>\n\n\n\n<li>\u6c92\u6709\u63a1\u7528\u786c\u79d1\u5b78\u57fa\u672c\u7684\u5168\u6b78\u56e0\u6cbb\u5b78\u65b9\u6cd5\u3002<\/li>\n\n\n\n<li>\u7269\u7406\u5b78\u5d07\u62dc\u2500\u2500\u2500\u6548\u7387\u5e02\u5834\u5047\u8aaa\u5c31\u662f\u5178\u578b\u7684\u4ee3\u8868\u3002\u8a73\u898b\u6211\u7684\u53e6\u4e00\u7bc7\u8cbc\u6587\uff1a\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/10\/07\/%e6%95%88%e7%8e%87%e5%b8%82%e5%a0%b4\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6548\u7387\u5e02\u5834\u5047\u8aaa\u70ba\u4ec0\u9ebc\u4e0d\u5408\u7406\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u592a\u904e\u5f37\u8abf\u5b8f\u89c0\u7d93\u6fdf\u5b78\u3002<\/li>\n\n\n\n<li>\u7d93\u6fdf\u5b78\u7684\u6574\u5408\u592a\u5c11\u3002<\/li>\n\n\n\n<li>\u5c0d\u5fc3\u7406\u5b78\u7684\u6975\u5ea6\u7121\u77e5\u53ca\u5176\u9020\u6210\u7684\u8ca0\u9762\u6548\u679c\u3002<\/li>\n\n\n\n<li>\u4e0d\u5920\u91cd\u8996\u5f8c\u679c\u7684\u5f8c\u679c\u3002<\/li>\n\n\n\n<li>\u4e0d\u5920\u91cd\u8996\u6488\u7070\u91d1\uff08febezzle\uff09\u7684\u6982\u5ff5\u3002<\/li>\n\n\n\n<li>\u4e0d\u91cd\u8996\u7f8e\u5fb7\u6548\u61c9\u548c\u60e1\u884c\u6548\u61c9\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%92%99%E6%A0%BC%E7%9A%84%E6%99%AE%E9%80%9A%E5%B8%B8%E8%AD%98\"><\/span>\u8499\u683c\u7684\u666e\u901a\u5e38\u8b58<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9019\u662f\u7bc7\u4f86\u81ea2007\u5e74\u8499\u683c\u5c0d\u5357\u52a0\u5927\u6cd5\u5b78\u9662\u7562\u696d\u751f\u7684\u6f14\u8b1b\u300a<a href=\"https:\/\/www.stripe.press\/poor-charlies-almanack\/talk-ten?progress=0.00%\" target=\"_blank\" rel=\"noreferrer noopener\">\u5357\u52a0\u5dde\u5927\u5b78\u53e4\u723e\u5fb7\u6cd5\u5b78\u9662\u7562\u696d\u5178\u79ae\u81f4\u8fad\uff08USC Gould School of Law Commencement Address\uff09<\/a>\u300b\uff0c\u4e3b\u8981\u662f\u544a\u8a34\u5927\u5bb6\u5982\u4f55\u7372\u5f97\u6210\u529f\uff0c\u4ee5\u53ca\u6210\u70ba\u5bcc\u8c6a\u3002\u91cd\u9ede\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8981\u5f97\u5230\u4f60\u60f3\u8981\u7684\u6771\u897f\uff0c\u6700\u53ef\u9760\u7684\u8fa6\u6cd5\u662f\u8b93\u81ea\u5df1\u914d\u5f97\u4e0a\uff0c\u64c1\u6709\u5b83\u3002<\/li>\n\n\n\n<li>\u6bcf\u5929\u591c\u88e1\u7761\u89ba\u6642\uff0c\u90fd\u6bd4\u90a3\u5929\u65e9\u4e0a\u8070\u660e\u4e00\u9ede\u9ede\u3002<\/li>\n\n\n\n<li>\u4eba\u985e\u793e\u6703\u53ea\u6709\u767c\u660e\u4e86\u767c\u660e\u7684\u65b9\u6cd5\u4e4b\u5f8c\u624d\u80fd\u9032\u6b65\u3002\u540c\u7406\uff0c\u4f60\u5011\u53ea\u6709\u5b78\u7fd2\u4e86\u5b78\u7fd2\u7684\u65b9\u6cd5\u624d\u80fd\u9032\u6b65<\/li>\n\n\n\n<li>\u5df4\u83f2\u7279\u9192\u8457\u6642\uff0c\u6709\u4e00\u534a\u6642\u9593\u5728\u95b1\u8b80\uff0c\u53e6\u4e00\u534a\u6642\u9593\u5728\u548c\u6709\u624d\u83ef\u7684\u4eba\u5c0d\u8ac7\u3002<\/li>\n\n\n\n<li>\u907f\u514d\u6975\u7aef\u7684\u610f\u8b58\u5f62\u614b\uff0c\u56e0\u70ba\u6703\u4f7f\u4eba\u55aa\u5931\u7406\u667a\u3002<\/li>\n\n\n\n<li>\u9664\u975e\u6211\u80fd\u6bd4\u6211\u7684\u5c0d\u66f4\u6709\u80fd\u529b\u53cd\u99c1\u81ea\u5df1\u7684\u7acb\u5834\uff0c\u5426\u5247\u6211\u5c31\u4e0d\u914d\u64c1\u6709\u4e00\u7a2e\u89c0\u9ede\u3002<\/li>\n\n\n\n<li>\u52e4\u596e\u548c\u7bc0\u5109\u7684\u50f9\u503c\u3002<\/li>\n\n\n\n<li>\u4fe1\u4efb\u662f\u6700\u597d\u7684\u5236\u5ea6\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BA%BA%E9%A1%9E%E8%AA%A4%E5%88%A4%E5%BF%83%E7%90%86%E5%AD%B8\"><\/span>\u4eba\u985e\u8aa4\u5224\u5fc3\u7406\u5b78<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9019\u4e00\u7ae0\u7684\u5167\u5bb9\u662f\u4ee52005\u5e74\uff0c\u8499\u683c\u7684\u300a<a href=\"https:\/\/fs.blog\/great-talks\/psychology-human-misjudgment\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4eba\u985e\u8aa4\u5224\u5fc3\u7406\u5b78\uff08The Psychology of Human Misjudgment\uff09<\/a>\u300b\u70ba\u57fa\u790e\u3002\u800c\u9019\u7bc7\u6f14\u8b1b\u5176\u5be6\u662f\u7531\u66f4\u65e9\u4e4b\u524d\uff0c\u4ed6\u7684\u4e09\u7bc7\u76f8\u95dc\u7684\u6f14\u8b1b\uff0c\u7d93\u4ed6\u81ea\u5df1\u5408\u4f75\u6539\u5beb\u800c\u6210\u7684\u3002<\/p>\n\n\n\n<p>\u9019\u7bc7\u6587\u7ae0\u5145\u4efd\u5c55\u73fe\u4e86\u4ed6\u5728\u884c\u70ba\u8ca1\u52d9\u5b78\u4e0a\u7684\u539f\u5275\u7406\u8ad6\u2500\u2500\u2500\u4e3b\u8981\u662f\u5728\u4ecb\u7d39\u8499\u683c\u81ea\u5df1\u6240\u63d0\u51fa\uff0c\u4ed6\u81ea\u5df1\u8a8d\u70ba\u768425\u7a2e\u5c0e\u81f4\u4eba\u985e\u505a\u51fa\u8aa4\u5224\u7684\u6210\u56e0\u3002\u800c\u884c\u70ba\u8ca1\u52d9\u5b78\u73fe\u5728\u5df2\u7d93\u6210\u70ba\u7576\u4ee3\u6700\u71b1\u9580\u7684\u7d93\u6fdf\uff0c\u91d1\u878d\uff0c\u8ca1\u52d9\u65b9\u9762\u7684\u6700\u71b1\u9580\u7684\u65b0\u5b78\u79d1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B5%90%E8%AA%9E\"><\/span>\u7d50\u8a9e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>2022\u5e74\u5e95\u6a2a\u7a7a\u51fa\u4e16\uff0c\u7531OpenAI\u63a8\u51fa\u7684\u4eba\u5de5\u667a\u6167\u5927\u8a9e\u8a00\u6a21\u578b\uff08LLB\uff09\u7684ChatGTP\u804a\u5929\u6a5f\u5668\u4eba\uff0c\u5c31\u6211\u500b\u4eba\u7684\u770b\u6cd5\uff0c\u5176\u5be6\u5c31\u662f\u8499\u683c\u54f2\u601d\u60f3\u4e2d\u5fc3\u7684\u601d\u60f3\u5927\u6a21\u578b\uff0c\u85c9\u7531\u4eba\u5de5\u667a\u6167\u548c\u79d1\u6280\uff0c\u5c07\u5b83\u5be6\u969b\u63a8\u5ee3\u81f3\u4eba\u5011\u771f\u5be6\u7684\u904b\u7528\u5834\u666f\u7684\u67d0\u7a2e\u7a0b\u5ea6\u4e0a\u7684\u5c0f\u90e8\u4efd\u7684\u5c55\u73fe\uff1b\u800c\u4e14\u6211\u500b\u4eba\u8a8d\u70ba\u73fe\u5728\u9084\u5728\u76f8\u7576\u521d\u59cb\u7684\u968e\u6bb5\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"121\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2024\/05\/mg-Custom.jpg\" alt=\"\u7aae\u67e5\u7406\u7684\u666e\u901a\u5e38\u8b58\" class=\"wp-image-48377\"\/><figcaption class=\"wp-element-caption\">credit: Amazon.com<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\"><\/span>\u76f8\u95dc\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/03\/13\/%E3%80%8A%E6%8A%95%E8%B3%87%E5%93%B2%E4%BA%BA%E6%9F%A5%E7%90%86%E8%92%99%E6%A0%BC%E5%82%B3%EF%BC%88damn-right%EF%BC%89%E3%80%8B\/\">\u6295\u8cc7\u54f2\u4eba\u67e5\u7406\u8499\u683c\u50b3\uff08Damn Right\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/09\/04\/%E8%92%99%E6%A0%BC%E7%9A%84%E5%82%B3%E4%BA%BA%E6%9D%8E%E9%8C%84%E5%92%8C%E4%BB%96%E7%9A%84%E7%9A%84%E5%96%9C%E9%A6%AC%E6%8B%89%E9%9B%85%E8%B3%87%E6%9C%AC\/\">\u8499\u683c\u7684\u50b3\u4eba\u674e\u9304\u548c\u4ed6\u7684\u559c\u99ac\u62c9\u96c5\u8cc7\u672c\uff08Himalaya Capital\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/07\/22\/%e8%92%99%e6%a0%bc%e9%ad%8f%e6%96%af%e5%8f%afwesco%e5%85%b124%e5%b9%b4%e8%82%a1%e6%9d%b1%e6%9c%83%e9%87%8d%e9%bb%9e%e5%92%8c%e6%84%9f%e6%83%b3\/\">\u8499\u683c\u9b4f\u65af\u53ef\uff08Wesco\uff09\u7e3d\u517124\u5e74\u7684\u80a1\u6771\u6703\u73fe\u5834\u554f\u7b54\u91cd\u9ede\u548c\u611f\u60f3<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/08\/27\/%E5%80%BC%E5%BE%97%E6%87%B7%E5%BF%B5%E7%9A%84%E6%9F%A5%E7%90%86%E8%92%99%E6%A0%BC\/\" target=\"_blank\" rel=\"noreferrer 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href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/31\/%e8%83%bd%e5%8a%9b%e5%9c%88\/\">\u6295\u8cc7\u7684\u80fd\u529b\u5708<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/10\/20\/%E6%80%9D%E8%80%83%E4%B8%8D%E8%83%BD%E5%A4%96%E5%8C%85\/\">\u601d\u8003\u4e0d\u80fd\u5916\u5305<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/20\/%E6%8A%95%E8%B3%87%E7%9F%A5%E8%AD%98%E9%9C%80%E8%A6%81%E7%9A%84%E6%98%AF%E5%BB%A3%E5%BA%A6\/\">\u6295\u8cc7\u77e5\u8b58\u9700\u8981\u7684\u662f\u5ee3\u5ea6\uff0c\u800c\u4e0d\u662f\u5927\u591a\u6578\u4eba\u8a8d\u70ba\u7684\u6df1\u5ea6<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/10\/%E9%96%B1%E8%AE%80%E5%B0%8D%E6%8A%95%E8%B3%87%E7%9A%84%E5%BF%85%E8%A6%81%E6%80%A7\/\" target=\"_blank\" rel=\"noreferrer 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