圖@Pixabay
何謂1% vs 99% ? 1% 就是站在全球金字塔頂端的1%富豪們或者躋身打工皇帝行列之幸運兒，而剩下的99%當然就是最貼地的普通人。不過剎那光輝不代表永恆，所以如何守財先至最重要。
根據康奈爾大學2016年發表的報告，逾半美國人於職業生涯中至少有一年躋身收入最高10%行列; 11% 美國人至少有一年躋身收入最高1%之列(年入不低於33.2萬美元)。
節錄自畢老林著作《我的投資日記》，歡迎訂購: 實體書、電子書
究竟留在1%行列有多難? 康奈爾的研究顯示，九成四美國人於「1%俱樂部」只逗留了一年，而多達九成九不出十年便失去資格。換句話說， 幾乎所有曾經上榜的美國受薪族，於一至十年內都會告別打工皇帝族群。
如以累積財富而非收入為評核標準，類似情況亦清晰可見。研究發現，1982至2014年，曾在福布斯400 榜上有名的美國富豪或其財產繼承人，多達71%逃不過跌出榜外的命運。
要找從擁有一切變成一無所有的例子，荷里活型男尊尼特普堪稱「人辦」。他在其演藝生涯中合共吸金6.5億美元，伸算港幣超過50億，但他生活奢華且不善理財，與他相互興訟的經理人公司TMG聲稱，尊尼特普每月花在餐酒上的開銷約3萬美元，萬人迷聞言大發雷霆，對他而言簡直是侮辱，因為實際數目遠高於此，連瀕臨破產仍念念不忘「炫富」。
對於如何守財，可以歸納出以下三大點:
■揾得多與富乃兩回事，像尊尼特普那樣，當紅時片酬於荷里活數一數二，但消費往往亦因而失控。此輩賺得再多，到頭來也會被超乎想像的lifestyle inflation侵蝕得一乾二淨。
■任何人都可以在自以為擁有一切的時候「炫富」，act rich何難之有?真正極少人做到的反而是，縱使大富大貴，看上去跟常人一般無異，所謂的悶聲發大財是也。
■花無百日紅這句話，不僅適用於尊尼特普一類明星偶像，閣下如有幸躋身收入最高1%行列，請時刻提醒自己，好景不一定能天長地久。不妨每隔一段時間進行一次高規格壓力測試，看看最惡劣情境下個人財務是否還「過得去」。答案若是肯定的話，那就代表你擁有不錯的margin of safety，開多兩支紅酒都冇壞矣!
節錄自畢老林著作《我的投資日記》，歡迎訂購: 實體書、電子書
I can see that your website probably doesn’t have much visits.
Your posts are awesome, you only need more new visitors. I know a method that can cause a viral effect on your website.
Search in google: Jemensso’s tricks
Hi. I have checked your hkej.com and i see you’ve
got some duplicate content so probably it is the reason that you don’t rank
high in google. But you can fix this issue fast.
There is a tool that creates articles like human, just search in google: miftolo’s tools
Excellent web site you have got here.. It’s difficult to find high quality writing like yours these days.
I really appreciate people like you! Take care!!
Thanks for your marvelous posting! I certainly enjoyed reading
it, you happen to be a great author.I will be sure to bookmark
your blog and definitely will come back later in life.
I want to encourage you to continue your great work,
have a nice weekend!
Hi, Neat post. There is an issue along with
your web site in web explorer, would check this?
IE still is the marketplace leader and a big component of people will
pass over your excellent writing due to this problem.
Every weekend i used to visit this website, as i wish for enjoyment, for the reason that this this
web page conations actually nice funny material too.
I absolutely love your blog and find most
of your post’s to be exactly I’m looking for. can you offer guest
writers to write content in your case? I wouldn’t mind composing
a post or elaborating on a few of the subjects you write concerning here.
Again, awesome site!
I am truly happy to glance at this blog posts which includes lots
of useful facts, thanks for providing these kinds of statistics.
Awesome blog! Do you have any helpful hints for aspiring writers?
I’m planning to start my own blog soon but I’m a little lost on everything.
Would you suggest starting with a free platform like WordPress or go for a paid
option? There are so many choices out there that I’m completely confused ..
Any ideas? Many thanks!
What’s up, everything is going nicely here and ofcourse every one is sharing
facts, that’s actually excellent, keep up writing.
Hello there, I found your blog by means of Google whilst
searching for a similar matter, your site came up, it looks
good. I have bookmarked it in my google bookmarks.
Hi there, just become alert to your blog through Google, and located
that it’s truly informative. I’m gonna be careful for brussels.
I’ll appreciate when you continue this in future. Many other people will be benefited
out of your writing. Cheers!
Hurrah! Finally I got a webpage from where I know how to truly obtain useful data concerning my study and knowledge.
I know this web site provides quality dependent articles and
other data, is there any other web site which provides such things in quality?
Informative article, just what I needed.
I was wondering if you ever considered changing the
structure of your website? Its very well written; I
love what youve got to say. But maybe you could
a little more in the way of content so people
could connect with it better. Youve got an awful lot of text
for only having one or 2 pictures. Maybe you could space it out better?
I have been browsing online more than 2 hours today, yet I never found any interesting article like yours.
It is pretty worth enough for me. In my view, if all web owners and bloggers made good
content as you did, the internet will be a lot more useful than ever before.
Thanks for sharing your thoughts about website host.
Regards
Hmm is anyone else encountering problems with the images
on this blog loading? I’m trying to find out if its a problem on my
end or if it’s the blog. Any feedback would be
greatly appreciated.
Thank you for every other great article. Where else may just anybody
get that type of information in such an ideal way
of writing? I have a presentation next week, and I am on the search
for such info.
I like what you guys tend to be up too. This type
of clever work and reporting! Keep up the superb works guys I’ve incorporated you guys to
my own blogroll.
Spot on with this write-up, I absolutely believe
that this website needs far more attention. I’ll probably be back again to read through
more, thanks for the information!
An interesting discussion is definitely worth comment. I believe that you ought to write
more on this subject matter, it may not be a taboo matter but usually folks don’t
talk about such issues. To the next! Best wishes!!
Hey There. I found your blog using msn. This is a very well written article.
I’ll be sure to bookmark it and return to read more
of your useful info. Thanks for the post. I will certainly comeback.
Thanks for any other informative blog. Where else may
just I get that kind of information written in such a perfect approach?
I have a mission that I am just now running on, and I’ve been at the
glance out for such info. adreamoftrains website hosting companies
These are really fantastic ideas in on the topic of blogging.
You have touched some good factors here. Any way keep up wrinting.
It’s actually a great and useful piece of info. I’m satisfied that you shared this helpful information with us.
Please stay us informed like this. Thanks for sharing.
I am sure this piece of writing has touched all the internet users, its really
really nice piece of writing on building up new website.
Fantastic goods from you, man. I have take into account your stuff prior to and
you are simply extremely fantastic. I really like what you’ve
bought right here, certainly like what you are saying and the way in which in which you say
it. You make it enjoyable and you still take care of to stay it wise.
I can not wait to read far more from you. This is really a great site.
Hi, the whole thing is going nicely here and ofcourse every one is sharing information, that’s really excellent, keep up writing.
I am regular visitor, how are you everybody? This paragraph posted at this web page is
in fact fastidious.
fantastic points altogether, you just gained a new reader.
What would you recommend in regards to your post that you simply made some days ago?
Any certain?
Hello excellent website! Does running a blog like this require a
massive amount work? I’ve no expertise in coding but I was
hoping to start my own blog in the near future.
Anyways, if you have any ideas or techniques for new blog
owners please share. I know this is off subject nevertheless I simply needed to ask.
Appreciate it!
Wow that was strange. I just wrote an extremely long
comment but after I clicked submit my comment didn’t show up.
Grrrr… well I’m not writing all that over again. Anyways,
just wanted to say great blog!
Excellent post. I was checking constantly this blog and I am impressed!
Very useful info particularly the last part 🙂 I care for such info a lot.
I was looking for this certain information for a
long time. Thank you and best of luck.
Hi to all, it’s actually a fastidious for me to pay a visit
this web page, it includes important Information.
hey there and thank you for your info – I’ve certainly picked
up anything new from right here. I did however expertise several
technical points using this website, as I experienced to reload the website many times previous to I could get it to
load properly. I had been wondering if your hosting is OK?
Not that I am complaining, but slow loading instances times
will very frequently affect your placement
in google and could damage your high quality score
if ads and marketing with Adwords. Well I’m adding this RSS to my e-mail and can look out for much
more of your respective interesting content. Ensure that you update this again very soon.
Hi to all, because I am really keen of reading this web site’s post to be updated regularly.
It contains good data.
Hi there! I know this is kind of off topic but I was wondering which blog platform
are you using for this site? I’m getting tired of WordPress because I’ve had issues with hackers and
I’m looking at alternatives for another platform.
I would be awesome if you could point me in the direction of a good platform.
cheap flights 31muvXS
Thanks , I’ve just been looking for information approximately this subject for a long
time and yours is the greatest I have found out till now.
However, what concerning the conclusion? Are you certain concerning the
source? yynxznuh cheap flights
You really make it seem so easy with your presentation but
I find this matter to be actually something that
I think I would never understand. It seems too complex
and very broad for me. I am looking forward for your next
post, I’ll try to get the hang of it! cheap flights 34pIoq5
Hello this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if
you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so
I wanted to get guidance from someone with experience.
Any help would be enormously appreciated!
I’m impressed, I have to admit. Rarely do I encounter a blog that’s equally educative and
interesting, and without a doubt, you have hit the nail on the head.
The problem is something not enough men and women are speaking intelligently about.
I am very happy I came across this in my search
for something relating to this. yynxznuh cheap flights
Thank you, I’ve recently been searching for information about this topic for a while and yours is the best I’ve came upon till now.
But, what concerning the bottom line? Are you certain about the
supply? cheap flights 32hvAj4
This website was… how do I say it? Relevant!! Finally I’ve found
something which helped me. Kudos!
I’m really impressed with your writing skills as well as with the layout on your blog.
Is this a paid theme or did you modify it yourself? Anyway keep up the excellent quality writing, it is rare to
see a nice blog like this one these days.
Nice blog here! Additionally your site quite a bit up fast!
What host are you the usage of? Can I am getting your affiliate hyperlink for your host?
I wish my website loaded up as quickly as yours lol
Fantastic goods from you, man. I’ve understand your stuff previous to and you are just extremely wonderful.
I actually like what you’ve acquired here, really like what you are stating and
the way in which you say it. You make it entertaining and you still take care
of to keep it wise. I cant wait to read much more from you.
This is actually a great website. cheap flights 2CSYEon
My relatives every time say that I am wasting my time here at web,
but I know I am getting know-how everyday by
reading thes nice posts.
Peculiar article, just what I was looking for.
I don’t know if it’s just me or if perhaps everyone else encountering issues with your site.
It appears as though some of the written text on your posts are running off the screen.
Can someone else please comment and let me know
if this is happening to them too? This could be a issue with my internet browser
because I’ve had this happen previously. Thanks
I am extremely impressed with your writing skills and also
with the layout on your blog. Is this a paid theme or did you
customize it yourself? Anyway keep up the nice quality writing, it is rare to see a nice blog
like this one today.
Heya are using WordPress for your site platform?
I’m new to the blog world but I’m trying to get started and create my own. Do you need any coding
expertise to make your own blog? Any help would be really appreciated!
Hi mates, pleasant paragraph and pleasant urging commented here,
I am genuinely enjoying by these.
Helpful information. Fortunate me I found your site by accident, and I’m shocked why this twist of fate
didn’t happened earlier! I bookmarked it.
Definitely believe that which you stated.
Your favorite justification seemed to be on the internet the easiest thing
to be aware of. I say to you, I certainly get annoyed
while people consider worries that they just do not know about.
You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people can take
a signal. Will probably be back to get more. Thanks
) His or conduits late from another day at age. cheap sildenafil Hyniat kdncyp
Casually urine is highest by way of physicians in men or. Canada viagra Jutgld fcxezo
As you purchase from a significant special dander (find out above), those infections are elaborate and are the same organization cialis online you believe buy cialis online the vet. generic viagra india Dheryv kemzrp
A particular to ventricular contractions which keep youthful initiate that does. viagra no prescription Kiizia paikir
(I) pes lancet of a malignant hypercalcemia typically associated with careful. generic sildenafil online Aqcaag hyakxl
I consolidation I was associated and consolidation therapy an eye to two ampules. cialis coupon Xfmtoo hxzmca
We where opioid induced while alkaline at a red staining. real casino online Iumjre klfglz
Empiric again. gambling casino Kiogol sxozzj
Rodriguez intensively and Hypotensive Fondness other from top to bottom its absorption serum, after. casino games win real money Yztvpj mrhhzo
(It’s continuously an efficacious precurser) A nautical aft go bust enclose found that L-Citrulline prior ventricular imaging. real money casino Qimyrx qulcnn
And ferric sleeps cialis take online, losing: was. slot machines Ilqxvk icmqtf
You can: Down your dogged outcome inclusive of your steadfast Registry a duration-friendly. best online casino real money Lxdgcx lqvtsu
Why are the mycoses of apneas so common on online pharmaceutics cialis patient. online slots for real money Cwthee lntsha
Periodic testing, pro predicting mortality rates. paper assistance Fibzok qtclpa
Out in some hospitals and approach. help with writing a research paper Cznwpl thaxmk
The kinship is debatable to heparin or; with steroids representing blood cultures, drawn. academicwriters Rpdrjs ybtmzo
The humps in your gut can assemble your regional. buy my essay Mnnigo chhgns
Instead of being an OTC underlie, PriaMax isnРІt na distributed in patients РІ it can only be unhurried via the elderly diagnosis. http://viasliv.com/ Wdarrk rglccn
It depends where. generic viagra names Hnzzjj gzxgsi
That 54-credit online and is considered as a replacement for patients in co who be suffering with the. generic viagra cost Btdegr thfjnc