S0725-月光族存不了錢,不是你賺太少,你可能犯了這三件錯 ft 郝旭烈 #財富自由 #心理學

人生啊 - 陪你一起看懂人生 April 1, 2026
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#財富自由 #理財 #存錢 #月光族 #財商思維 月薪三萬 vs 月薪十萬的理財問題其實是相通的。 儲蓄的重點在於習慣的養成,而不是我們賺多少錢,而財富自由的核心,從來不是「財富」,而是「自由」。 這集小歐請到郝旭烈郝哥,帶我們重新理解「儲蓄」這件事,解答月光族最常犯的三個錯誤、以及為什麼你賺得越多、卻越存不到錢。 本集主要聊到 1、 為什麼薪水越高,有些人反而越存不到錢? 2、 月光族要怎麼開始存錢?如果連10%都存不到的人該怎麼辦? 3、 郝哥的公式:自由 = 能力 減掉 慾望,到底是什麼意思? 【本集最讓小歐意外的觀點】 郝哥說,我們人不是怕窮,而是怕「比別人窮」。這句話乍聽像廢話,但細想起來,你會發現你生活裡很多的花費,根本不是你真正想要的,只是你不想輸給別人、輸給了自己的慾望罷了。 Q:一個月只賺三四萬,真的有辦法財富自由嗎? A:郝哥的答案是可以,但你要先搞清楚「自由」是什麼。自由等於能力減掉慾望,能力不高就先降低慾望,慾望提升了就把能力追上去,這個選擇權一直在你手上。財富自由的重點從來不是跟別人比有多少錢,而是你在每個當下都有選擇怎麼過的自由。 Q:已經是月光族,還有辦法開始存錢嗎? A:有,而且不用存10%。郝哥說,存錢這件事在乎的不是數字,而是習慣的養成。 你可以從每個月存1%開始,三萬塊的1%就是300塊。重點是先把這筆錢撥到另一個帳戶、讓自己看不到它,然後只花剩下的。習慣建立起來之後,你會發現存錢本身會讓你上癮。 ——— 付費內容 ——— 郝哥直接回答了一個新手最常卡住的問題: 1、我到底該買 ETF、買個股,還是先存錢就好? 2、投資跟理財的第一步,我該怎麼進行? 3、現在股市價格這麼高,我該進場嗎? 這三個問題問身邊的朋友,可能會有十種說法,但郝哥的答案出乎意料地簡單。 【最核心的一句話】:你不是心臟不夠大,是底氣還不夠。 郝哥給的心法是:拿你輸得起的錢,去做定期定額。重點不是金額多少,而是「就算全賠,你也完全不在意」的那個金額。因為只有這樣,你才不會每天盯盤、睡前焦慮、吃飯分心,你的注意力才能留在真正重要的事情上。 為什麼定期定額能解決大多數人的投資焦慮?因為市場一定波動,波動是投資人的天敵,而定期定額是波動的天敵。價格跌的時候你買多一點,漲的時候買少一點,長期下來成本被平均掉,你也不需要猜高點低點。 郝哥還提到一個關鍵觀念,聽別人說什麼就買什麼,那叫投機,不叫投資。真正的投資,是你自己驗證過、理解過,然後變成你自己的能力圈。 Q:新手小白,要怎麼踏出投資的第一步? A:郝哥建議先問自己:每個月拿出多少錢,就算賠光了,我也不會焦慮?把那個金額找出來,開個帳戶,定期定額買 ETF,然後,不要看它。不要每天盯盤,讓它自己長著。一年之後你再回頭看感受。 這是風險最低、心理壓力也最小的入門方法。 Q:投資會讓自己睡不著覺,是正常的嗎? A:不正常,而且是個警訊。郝哥說,任何會讓你睡不著覺的投資,都不是好投資。你以為是在賺錢,其實是在用時間跟注意力換錢,而時間跟注意力才是人生裡最貴的東西。好的投資方法,應該是讓你可以安心去做你真正想做的事,然後順便讓錢慢慢累積。 【相關聯絡方式】 小歐:https://www.instagram.com/whatthefuck.sunny/ 書本:財富自由心理學 出版社:天下文化 作者: 蔡宇哲, 郝旭烈 ——— 我們有提供三個服務,補完節目裡沒講完的故事, 延伸思考話題、還有幫助你變的更好,相關連結: https://whatthefuck.life/ 章節 00:00 精彩片段 03:22 從專案管理到人生財務規劃 06:15 為什麼我們存不到錢? 10:48 理財不是發大財,而是理好你的「生活」 15:30 別讓「情緒性消費」掏空口袋 21:12 先存再花,讓「未來的自己」先領薪水 27:45 最好的投資是「投資自己的大腦」 33:10 財富自由的關鍵:不是賺多少,而是「現金流」的穩定度 38:54 從每天存下「一小筆錢」開始的複利效應 44:20 如何保護你的資產不縮水 50:15 為什麼有錢人想的不一樣

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