谁在操控你的金钱？

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{"url":"https://s3-us-west-2.amazonaws.com/ftlabs-audio-rss-bucket.prod/5036e398-860e-11e9-b861-54ee436f9768.mp3","text":[[{"start":null,"text":""}],[{"start":9.611517,"text":"At 21 years old, <ft-content type=\"http://www.ft.com/ontology/content/Article\" url=\"http://api.ft.com/content/7935b4da-40e6-11e9-9bee-efab61506f44\" title=\"www.ft.com\">Kylie Jenner</ft-content> is the world’s youngest billionaire, according to <a href=\"https://www.forbes.com/sites/natalierobehmed/2019/03/05/at-21-kylie-jenner-becomes-the-youngest-self-made-billionaire-ever/#6cb583962794\" title=\"www.forbes.com\">Forbes Magazine</a>. "},{"start":15.611869,"text":"Ms Jenner has built her vast fortune by selling her own range of clothing and cosmetics, primarily through her 129m social media followers."}],[{"start":25.861464,"text":"There is nothing new about celebrities endorsing products and services. "},{"start":30.111647,"text":"However, the phenomenon of people turning themselves into celebrities via reality television or YouTube, then using that exposure to sell their own range of products, is very much a 21st century development."}],[{"start":41.612305,"text":"You might not think that Ms Jenner’s $125 Kylie Skin boxset is something you need in your life — but apparently <ft-content type=\"http://www.ft.com/ontology/content/Article\" url=\"http://api.ft.com/content/959b1568-7dda-11e8-af48-190d103e32a4\" title=\"www.ft.com\">millions</ft-content> of people do, as it sold out six minutes after it was launched. "},{"start":53.612972,"text":"You are constantly being influenced by external sources, whether you like it or not. "},{"start":null,"text":""}],[{"start":58.520912,"text":"Billions are spent promoting products and services billed as a sign of success and the route to fulfilment and happiness. "},{"start":65.271291,"text":"Images of youth, health, enjoyment and social acceptance proliferate, which invariably involves you spending money to get more of the good life on offer. "},{"start":73.771766,"text":"And outside influences can affect your saving, investing, borrowing and charitable giving, by affecting your emotions and behaviour. "},{"start":null,"text":""}],[{"start":81.771197,"text":"Not all external influencing is a bad thing. "},{"start":84.77137,"text":"Campaigns on <ft-content type=\"http://www.ft.com/ontology/content/Article\" url=\"http://api.ft.com/content/25207d62-5c75-11e9-9dde-7aedca0a081a\" title=\"www.ft.com\">five-a-day</ft-content> fruit and veg, “drink aware” and mental health awareness are all worthy messages that have had some positive effect. "},{"start":92.771819,"text":"But money is a particularly challenging area which permeates our sense of identity, the harmony of our relationships and choices about work and leisure. "},{"start":null,"text":""}],[{"start":101.272295,"text":"Some forms of non-essential spending make life more comfortable and fun. "},{"start":105.772566,"text":"The key is to ensure that spending is aligned with your values and doesn’t lead to money stress, financial vulnerability or the need to do unfulfilling work."}],[{"start":115.522104,"text":"However, in my experience — and I’ve interviewed around 1,000 people about their money over the years — many people are neither clear what a “good” lifestyle is nor the role of money in achieving it. "},{"start":127.522812,"text":"This makes them more susceptible to outside influences which can damage their financial wellbeing."}],[{"start":133.023086,"text":"One way to ensure your financial decisions are aligned with your values and priorities is to develop a simple set of personal money rules or principles, which you use as a sanity check. "},{"start":144.02271,"text":"My own money rules have not just helped me avoid making some bad money decisions over the years, but also helped me come to a decision."}],[{"start":151.77314,"text":"My rules are set out below but you don’t need to adopt all or any of mine. "},{"start":156.773401,"text":"What matters is that you have thought about and created your own list. "},{"start":160.773638,"text":"And if you have a life partner, developing money rules together will help you agree on how you handle your finances."}],[{"start":167.274037,"text":"<h2>Jason Butler’s 10 money principles</h2><ol><li>If you can, always hold 18 months of core living costs in an instant access deposit account</li>"}],[{"start":176.523552,"text":"<li>What to do with direct earned income: 10 per cent in savings; 15 per cent in investments; 10 per cent to charity; 10 per cent to business holdings; 5 per cent for personal improvement; 50 per cent on lifestyle</li>"}],[{"start":192.02442,"text":"<li>Pay cash for everything that is not an appreciating asset</li>"}],[{"start":197.274715,"text":"<li>Never borrow more than 60 per cent of the value of an appreciating asset</li>"}],[{"start":202.525047,"text":"<li>Only do paid work that meets my meaning, purpose and fulfilment test</li>"}],[{"start":208.774363,"text":"<li>Keep finances as simple as possible </li>"}],[{"start":212.274544,"text":"<li>Only use government endorsed tax planning. "},{"start":216.16027,"text":"No complicated schemes, contrived structures or offshore entities</li>"}],[{"start":220.660526,"text":"<li>Spend money to buy time, experiences, to delegate, maintain health or help family or friends in need</li>"}],[{"start":229.660028,"text":"<li>Maintain a financial support team (accountant, tax adviser, lawyer and financial planner) </li>"}],[{"start":236.660416,"text":"<li>Maintain sufficient assets (within a 10 per cent range) to maintain lifestyle without having to work for money. "},{"start":null,"text":"</li></ol>"}],[{"start":245.43925,"text":"Dan Sullivan, founder of coaching company Strategic Coach, once asked a commercial airline pilot how he decided what information to look for on the flight deck when there were so many instruments. "},{"start":256.410542,"text":"The pilot replied that if everything was normal, he just needed to look at five main readings from the instruments. "},{"start":262.66089,"text":"If any of those readings were not normal, he could then look at a series of other readings to determine the problem and take any necessary action. "},{"start":null,"text":""}],[{"start":269.911274,"text":"Mr Sullivan went on to devise a tool called The Five Dials. "},{"start":274.16153,"text":"Although this was intended as a tool for entrepreneurs to track their business activity, I use it to give me a high-level view of my personal financial situation and act as a benchmark against which I make most financial decisions. "},{"start":null,"text":""}],[{"start":286.66124,"text":"You can create your own Five Money Dials by taking a sheet of paper and dividing it into four equal columns as follows:"}],[{"start":294.161664,"text":"<ol><li> At the top of the first column, write “Confident and in Control”. "},{"start":299.161943,"text":"Below it, list all the things about your money that you associate with these two words on a day-to-day basis, such as “have a savings buffer” or “know where my money goes”. "},{"start":null,"text":"</li>"}],[{"start":310.412578,"text":"<li>In the second column write “Anxious and Uncertain”, listing the things you don’t know about your money that induce these feelings. "},{"start":null,"text":"</li>"}],[{"start":318.162017,"text":"<li>Head the third column “Crucial knowledge”. "},{"start":322.163265,"text":"List the information you’d need to have on a daily, weekly, monthly and yearly basis to eliminate the feelings of anxiety and uncertainty, so that you feel confident about and in control of your money. "},{"start":null,"text":"</li>"}],[{"start":333.66287,"text":"<li>Finally, write “My Money Dials” and list the five areas of your personal finances — with specific measurements — that you need to be aware of on a continual basis to achieve a state of confidence and control about your money. "},{"start":null,"text":"</li></ol>"}],[{"start":349.162775,"text":"Used wisely, money can make life easier, more interesting and less stressful. "},{"start":354.663056,"text":"The more you understand yourself and what to measure about your money, the better you’ll be able to make sure that you spend on things that matter to you — and not what others would like you to buy. "},{"start":null,"text":"   "}],[{"start":null,"text":"<em>Jason Butler is an expert on financial wellbeing and presenter of the “Real Money Stories” <a href=\"https://www.moneydashboard.com/blog/real-money-stories-sallys-car-buying-folly\" title=\"www.moneydashboard.com\">podcast</a>. "},{"start":null,"text":"Twitter: <a href=\"https://twitter.com/jbthewealthman\">@jbthewealthman</a></em>"}],[{"start":null,"text":""}]]}

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谁在操控你的金钱？

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谁在操控你的金钱？

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