B004 慢慢致富 / From Here to Financial Happiness

#English

書封來源：博客來網路書店

書名：慢慢致富

作者：強納森．克雷蒙
出版年份：2020

解答：透過每天思考練習，建立財務信心
亮點：

a. 每天讀一則思考練習持續11週共77天，內容涵蓋統計個人生活開銷及債務、選擇理財工具、控制花費、購買保險、設定長期目標、避稅(美國)、遺產規劃，每則篇幅很短有助於養成習慣。

b. 財務自由並不是說我們有能力買任何想要的東西，而是能確認我們已經有了所需要的東西。

啟發：作者建議每個人除了要為退休準備足夠的儲蓄，還需要有：

1. 醫療保險

2. 緊急預備金(至少3~6個月生活費)

3. 失能保險(存款不足100萬美元時，我認為或許相當於台灣存款1000萬元的水準)

4. 人壽保險(存款不足100萬美元且有家人需依賴你時)

這本有財經部落客綠角的推薦序，可惜書的內容相當簡單也簡短，大概花半個早上就能看完了。

免責聲明：本文旨在心得與經驗的分享，不應作為投資上的建議。

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Name: From Here to Financial Happiness
Author: Jonathan Clements
Publication Year: 2020

Solutions: Establish financial confidence through day-to-day thinking exercises.

Highlights: 

a. Read a short article every day for 11 weeks (77 days). The content includes calculating life expenses and debts, choosing the right tools for financial management, controlling what you purchase, buying the right insurances, setting long-term goals, saving on taxes (for the USA), and planning wills and estate.

b. Financial freedom is not a synonym for the capability of buying everything we want. Instead, it means we have everything we need. 

Inspirations: The author suggests that we not only prepare enough amount of savings for retirement but also make sure we have:

1. Medical insurance

2. An emergency fund (that you can live with it for 3~6 months)

3. Disability insurance (when your deposit is under 1M USD, which I think is roughly equivalent to 10M TWD in Taiwan)

4. Life insurance (when your deposit is under 1M USD and your family members rely on you)

I picked the book because my favorite finance blogger Greenhorn wrote the foreword. It's pity that the content of this book is rather short and simple. You can easily finish the book by spending half of the morning.

Disclaimer: The post is aimed at sharing thoughts and experiences, and should not be taken as advice on any investment.