提早退休极端:哲学和财政独立的实用指南 Early Retirement Extreme A philosophical and practical guide to financial independence.pdf
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提早退休极端:哲学和财政独立的实用指南 Early Retirement Extreme A philosophical and practical guide to financial independence.pdf
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2010JacobLundFisker.Allrightsreserved.PrintedintheUnitedStatesofAmericaFirstedition/KindleCoverdesignbyAnnBeaver.ProofreadingbyAverbachTranscription.Nopartofthisbookmaybereproducedortransmittedinanyformorbyanymeans,graphic,electronic,ormechanical,includingphotocopying,scanning,recording,taping,orbyanyinformationstorageorretrievalsystem,withoutthewrittenpermissionoftheauthorandpublisher.Scanning,uploading,anddistributingthisbookviatheinternetorbyothermeanswithoutthepermissionoftheauthorandpublisherisillegal.Pleaserespecttheauthorsrightsanddonotparticipateinorencouragepiracyofcopyrightedmaterial.Everyreasonableattempthasbeenmadetoidentifyownersofcopyright.Alltrademarksthatappearorareotherwisereferredtointhisbookarethepropertyoftheirrespectiveowners.Theauthorandthepublisherhavenofinancialrelationshipsoranyrelationshipswithanytrademarkowners,manufacturers,orcompanies,norhavethecontentofthisbookbeenendorsedorconfirmedbyanysuchmentionedinthetext.Omissionsanderrorswillbecorrectedinsubsequenteditions.TheinformationinthisbookisdistributedonanAsIsbasis,withoutwarrantyofanykind.Whileeveryefforthasbeenmadeinthepreparationofthebooktoensuretheaccuracyofthecontents,errorsandomissionscanoccur.Thisbookisnotcompletelycomprehensiveandsomereadersmaywanttoconsultadditionalbooksforadvice.Thisbookdoesnotcontainprofessionaladvice.Forprofessionaladvice,consultaprofessional.Neithertheauthornorthepublishershallhaveanyliabilitytoanypersonorentitywithrespecttoanylossordamagecausedorallegedtobecauseddirectlyorindirectlyinconnectionwiththisbook.Muchthanksgoestocountlessreadersonfortheirinsightsandcommentsontheblog.SpecialthanksforearlyreadingandeditinggoestoEricaandZev.ContentsAboutthebookAdifferentframeofmindIsthisforme?
BarrierstochangeThelock-inEducationandtrainingCollegedegreesCareerSpecializationThecostofspecializationJobcompetitionThepursuitofstuff,status,andhappinessTheproblemwithpersonalfinanceMortgage,car-loans,andconsumerdebtSavingsandinvestmentsRetirementBreakingoutEconomicdegreesoffreedomEconomicclassificationsThesalarymanTheworkingmanThebusinessmanTheRenaissancemanSuccessionandthecycleofchangeErgodicityanddestinyAgencyOurcurrentworldLeavingtheDarkAgesThenextgenerationTheRenaissanceidealHumancapitalandnecessarypersonalassetsPhysiologicalIntellectualEconomicEmotionalSocialTechnicalEcologicalTheRenaissanceeducationGaugingmasteryDecouplingandincreasingcomplexityStrategy,tactics,andguidingprinciplesStrategicprinciplesAmodulardesignUsingthemodulescorrectlyContingencygoal-settingEffect-mappingAwebofgoalsTensegrityTacticalprinciplesIdentifyingneedsandwantsBuildingblocksConstructionmethodsAppropriateresponseSigmoids,logisticcurves,andthemaximumpowerprincipleARenaissancelifestyleThingsWhichthingsshouldIown?
DepreciationschedulesAllthelittleluxuriesMono-useandMulti-useBeingthemasterofyourstuffHowtoavoidgettingthingsHowtogetridofthingsGivingawaySellingSerialownershipBarteringandswappingUsingupandwearingoutHowtogetthingsFreethingsSwappingandbarteringRentingBorrowingSharingownershipLivingbehindthecuttingedgeThelimitorderpricebookHowtomakethingsReusingThefixer-upperorholdingShelterSleepingandotherlivingarrangementsLivingEatingHygieneLivingwithotherpeopleRentorown?
HowtofindshelterTelecommutingandworkDomesticfoodsupplyLightsandelectricHeatingandcoolingClothesFixingupawardrobeHowtobuildawardrobeMakingyourownclothingLaundryHealthMovingThecouchpotatoTherunnerThebodybuilderFunctionalfitnessHigh-intensityintervaltrainingIntensitylevelsMeasuringprogressEatingAcomfortableaddictionEatinglikeafarmerEatinglikeanathleteEatinglikeawarriorEatingeveryotherday,even?
EatingoutCookingOptimizingingredientsOptimizingutensilsDetergents,cleaners,andotherhouseholdstuffTransportationComparingmodesoftransportationDrivingAffordabledrivingWalkingRunningastransportationCyclingServicesTV,cellphones,andothermoneysinksCellphonesInternetTVMoney,credit,andinsuranceCreditcardsInsurancePeopleSpousesandsignificantothersChildrenFoundationsofeconomicsandfinanceFinancialcashflowcyclesWorkingformoneySalariedworkNonsalariedworkMakingmoneyworkforyouImportantfinancialratiosEmergencyfundsSavingsrateforfinancialindependenceIntermittentworkFinancialindependenceandinvestingInvestingandreasonablereturnratesThetruecostofthingsSowhatshouldIinvestin?
AssetmanagementInvestmentscienceEpilogueReferencesFootnotesAboutthebookIthinkofthisbookfirstandforemostasaphilosophybookaboutstrategy.Likemostphilosophicalbooks,itsvoluminouscomparedtoitscontentbecausemuchofitisdedicatedto(re)definingunderlyingconceptsandfundamentals,tryingtofindthewordstodescribesomethingthatisntautomaticallyimpliedbytheusualunderstanding1ofthewordsused.Thelackofconcretespecificsisintentionalbecausetheywontpertaintoverymanypeople.Theapproachisdeliberatelyopen-endedtomaketheconceptsapplicabletoasmanydifferentsituationsaspossible.Thismayalsomeanthattheconcepts,whichaimtocreateconsilientandresilientstructures,areapplicabletootherkindsoforganizinglikepolicy-makingorbusinessmanagement.Thisbookisntahow-tomanualtoaspecificlifestyle,butahow-tomanualforhow-tomanuals.Theintentionisforeachpersontocreatehisownstrategy.Inthissense,thisbookisntatraveljournal,norisitasetofmapdirections;itsabookthatteachesyoutobecomeanavigator.Iusedtheprinciplesinthisbooktoreducemyexpensestoaquarteroftheaveragepersonandbecomefinanciallyindependentinfiveyears.Whilemystorymaybeentertainingorinspiring,itmaynotbedirectlyusefultowardsreachingasimilargoal.Similarly,whileinitiallymotivatingduetotheiractionableform,asetofmapdirectionswouldfailthefirsttimeonereachesacrossroadsnotonthemap.Thiswouldendthejourneyifthepilothasnonavigationalskills.Ihavethereforewrittenthebookasatextbook.Learninghowtobecomefinanciallyindependentrequiresstudy.Thisrequireseffortandisnoteasy-ifitwastrulyeasy,everybodywouldbedoingit-butitsnomoredifficultthangettingacollegeeducationorbecomingaskilledtradesmaninyourrespectivefield.WhatIlldescribehereisanotherkindoflife,thelifeofanindependentlywealthyandwidelyskilledperson-amodernRenaissanceman.AnoteaboutthedifficultylevelThisisntabookforbeginners.Itsnotabookonecanpickup,read,andproceedtobecomefinanciallyindependentjustasreadingatextbookaboutphysicswontturnapersonintoaphysicist.Thisonlyhappenswhentheconceptsareconstantlyappliedandonestartsthinkinglikeaphysicist.Thingsaresimilarforapersonpursuingfinancialindependence.ThisisabookwhichIthinkcanbereadatseveraldifferentlevels.Thereasonfordifferentlevelsisthatpeoplechangeastheylearn.Dependingonwhereyouare,thebookwillrelatetoyouindifferentways.Thisisgood,becausethosewhoevolvewillbecomedifferentpeople,eventually.Whatusedtoseemlikeasacrificewillseemnatural,andwhatusedtoseemnaturalwillcometobeseenasasacrifice.Whatusedtobeacollectionoftechniqueswillbecomeageneralprinciple.Whatusedtofeelchallengingwillnowfeeleasy.AnoteaboutgettingstartedYoudontneedtolearneverythingbeforegettingstarted.Afterall,youcandriveacarwithoutknowinghowtheengineworks.Infact,youcandriveseveraldifferentkindsofcars.Thisisbecausemostcarshandlethesame.However,tostaywiththeanalogy,thesamecarcanbedrivenwithverydifferentgasmileages.Itmaybelistedas33mpg,butgoodtechniquecandoublethatnumberandpoortechniquecancutitinhalf.Atrivialtechniqueistoreducespeedby5mph,whichwillsimplybringmostdriversbacktothespeedlimit.Similarly,iflivingisthoughtofasdrivingaparticularkindofvehicle,therearetechniquesinthisbookwhichcanbeappliedwithoutunderstandingexactlywhytheywork.Understandingwhytheyworkwillsubsequentlyallowonetotweakandimprovethem.AnoteaboutreferencesThisisnotanacademicwork.Ihaveresistedthetemptationtofollowthemedievallyinspiredacademictraditionofcitingoldbookstomakestatementsbasedonauthority.2Ifindthatshowingthederivationfrombasicprinciplesismoreusefulforapplication.Insteadofreferences,Ihaveprovidedabibliographyofbooksintheappendixofthisbook,eachofwhichwilladdtothesubject.AnoteaboutgeographyWhilethisbookissomewhatUS-centricinitsexamples,themethodsshouldworkinanydevelopedcountrywithamarketeconomy.Retirementplanshavedifferentnamesfromcountrytocountry,buteverycountryoffersverysimilarplanstoitscitizens.Insomecountrieshealthcareispaidthroughtaxes,andinothercountriesitspaidoutofpocket.Inanycasethepricesforgoodsandservicesaresimilarindevelopedcountriessothestrategiesinthisbookwillwork,eveniftechnicaldetailsdiffer.AnoteaboutoriginalityFeynmanonceremarkedthatthebestwaytofindnewinsightsintoaproblemwastostepoutofthebox,ignorepreviouspublications,andcometoyourownconclusions.Withsuchanapproach,itoftenhappensthataconceptwhichisinitiallyconsideredtobenovelturnsouttohavebeendiscoveredalready.Infact,manyoftheideasinthisbookgobackdecadesandevencenturies.Togiveanexample,whenIwasateenager,Iwastedalotofmytimeplayingcomputergames.OnegenreIparticularlyenjoyedwasreal-timestrategy:
gameslikeDune,Warcr
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