20191222 财富自由的几个等级

这个是我看到的一个很好玩的观点。

一等财富自由，去超市买东西不看价格。

二等财富自由，去商场买东西不看价格。

三等财富自由，买房不看价格。

四等财富自由，买公司不看价格。

目前我基本到了第一等级，买菜不看价格。

我最近又听了一期的Tim Ferris show

Jocko Willink Takeover — On Quitting, Relationships, Financial Discipline, Contrast Baths, and More (#395)

大致的翻译是Jocko 一直开一辆很旧的1997年的道奇，车在驾驶侧已经破了，用胶带藏主，但是他还是开了这辆车12年，原因是他想省钱。

他和他老婆没有卧室住在客厅，原因也是省钱。

平时什么也不买。

可是他把省下来的钱来买房产，投资公司。。。。。

The next question is from Brendan and the question is, “How does discipline play a role in financial decisions? On two levels, macro/investing and micro. Meaning daily and monthly budgets. How has this changed recently?”

Well, discipline equals freedom, as you might have heard me say the first time I was on Tim’s podcast. And the example of that in this situation is, if you want financial freedom, you need financial discipline.

So what does that mean? That means you have to work hard, you have to save your money, you have to invest your money, you have to not buy stupid things that you don’t need. I often give the example of my 1997 Dodge Grand Caravan. Kind of rusted, broken window on the driver’s side that was taped shut. But I drove that vehicle for, I don’t know, 10 or 12 years. And the reason I did is because I was saving money. I also lived in a house that was 934 square feet. It had two bedrooms and I had three kids, two girls and a boy, and my wife. And my wife and I slept in the living room. And when you opened the front door to our house, to the right was a couch and to the left was our bed, and that’s where we slept. And right next to our bed was the dining room table.

So our front room of our house was the bedroom, dining room, and living room all in one big room. Zero privacy. But that’s where we lived. Why did we live there? Because it was in a location that we liked and we were saving money. I pretty much always wore the same clothes. My guys used to give me a hard time because I would wear jungle boots out on liberty with my normal clothes. Why? Because I’m not going to go out and buy some pair of fashionable shoes. I cut my own hair. So I have a pair of clippers that I’ve had forever and I cut my own hair. So that’s the discipline that I think puts you in a good place later on in life when you save money up front.

And so now when we talk about macro investing, what do I do now? I like to put my money into — well actually, into my businesses. Into things that I own, things that I control, things that I know about. And so I do that and I like to buy properties. So I invest in properties and I take other opportunities. If there’s something that I have an understanding of, some business opportunity, then I’ll put my money in that.

I will say that I do have a nicer car now. I no longer drive the 1997 Dodge Grand Caravan, may she rest in peace. I also am still a little bit — I still, even though I have more money now, I still am a person that struggles to spend money on things. And I will research some stupid purchase for three months to figure out if it’s something that I really need, to figure out if it’s the actual one that I want and all that.

So there you go. I guess on a macro thing, I look to buy big things or I look to invest in big things like properties and businesses and on the micro I look to buy nothing. I don’t want it, I don’t need it, and I’m trying not to buy it. So there’s that.

我觉得他其实在没有升值空间的东西上节省了时间和精力，毕竟，每个人的时间就那么多，如果一直在一边买，一边花大量时间比较价格，最后不可能有时间去研究更有价值的东西。

https://tim.blog/2019/11/25/jocko-willink-takeover-transcript/