财富自由之路
究竟如何才能实现财富自由呢？我们的选择不外乎两种。一条捷径是继承财富，而对大多数人来说，我们只能选择另一条更为艰难的道路。这条路说来并不复杂：努力工作赚钱，勤俭节约，并将结余进行明智的投资。只要你能做到开源节流，并将积蓄进行合理投资，我敢打包票：你就一定能实现财富自由。
然而，知易行难。这不仅关乎财务问题，也超越了电子表格所能涵盖的范畴。财富源自充实的生活，你需要勤奋工作，节俭持家，睿智决策。这并不意味着你要过苦行僧般的生活，你可以享受乐趣，可以犯错，可以尽情体验人生。但实现财富自由确实需要你辛勤付出，自律克己，而这一切都是值得的。财富公式包含四大要素：
自律：你要在工作与生活中有意识地保持节制。当然，这也包括省钱，但更重要的是你要培养自己坚韧的品格，融入社会。这些都至关重要。
专注：你需要专心赚取收入。正如我所说，收入本身不会让你富有，但它是必不可少的起点，而且你需要相当可观的收入。我会帮助你规划好职业生涯，为你指明方向，把你的收入潜力最大化。
时间：时间是你最重要的资产。复利是宇宙中最强大的力量，了解复利是开启财富之门的关键。我将分享如何让复利为你服务。时间才是真正的金钱，是我们每个人与生俱来的财富基石。
分散投资：它是我们对传统个人理财问题的看法，是指引我们做出明智投资决策的路线图，也是帮我们成为金融市场的行家里手的指南。
好的，现在就让我们开启这段财富之旅吧！
[1] 苏茜·欧曼，美国著名理财专家。——译者注
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