照著財務獨立那篇裡的定義，底下幾個數字我牢記在心
- 4%
大部分的財務專家同意，如果每年從存款裡頭提取4%，在你的有生之年，存款耗竭的機率頗低。這當然跟你怎麼分散投資這筆存款有很大的關係，不過那是另外一篇文章要談的。 - 25
4%的倒數就是25倍，換句話說，達到財務獨立的前提，是有一筆相當於年支出25倍的存款。 - 300
25倍乘以12個月等於300。這是從本金裡支付每個月開支所需的數字。
為何這些數字這麼重要？下次你上班途中經過咖啡店隨意買杯咖啡，應該計算一下一個月下來總共幾杯，假設一個月花20元喝咖啡，你可以快速的在腦袋裡得出，喝咖啡這個習慣需要6000元的終身存款支持 ($20*300)。而一個月$1200的房租則約等於36萬。
同樣道理，每年回中國的那趟一家四口的機票錢$5000元，大概需要$125,000的存款($5000*25)。
有了這樣的觀念，你會不會覺得每一筆看似零頭的開支，都突然沉重無比呢？
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Your last sentence in this article reminded me of Warren Buffet. He treats every dollar as ten, since that is how much it will be worth someday. It’s really a good concept. It can serve as a big motivation on budgeting.
One of the legends of him is that he tried to break a quarter when Kay (a close friend of him, owner of Washington Post) asked some change for a phone call. (it was 10 cents back then to make a phone call on public phone)
Highly recommend “Snowball” by Alice Schroeder. I’ve finished it and haven’t got the time (or courage) to review it.
oh, “Snowball”, yes, I love reading it. I listened to its abridged audio book, and now I am reading it. He is really an amazing person. Looking forward to your review.