《最美好的投資》：沒時間算退休要多少錢才夠？你需要神奇的「百分之四法則」

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關鍵評論網","description":"百分之四法則最早起源於1970年代，有人將退休金以相對保守的金融商品（債券）長期報酬去計算，發現：如果每年固定只領出4％，根據長期報酬去計算，連續提領至50年，帳戶裡的資金也不會被領完。前提是你必須持續身體健康，每年提領的金額就隨通貨膨脹進行調整，幫自己年年加薪，剩餘的本金繼續投資理財，讓它錢滾錢，就能保證自己未來30年的退休生活維持一定的生活水準。","keywords":["理財","本金","投資理財","高股息ETF","退休帳戶","孫太","最美好的投資","36個關鍵思維，做長期主義者，孫太從底層翻轉人生，勾勒幸福藍圖的祕訣","退休公式","百分之四法則"],"dateCreated":"2024-10-30T15:01:28+08:00","dateModified":"2024-11-13T20:00:25+08:00","datePublished":"2024-11-13T20:00:00+08:00","primaryImageOfPage":{"@type":"ImageObject","contentUrl":""},"breadcrumb":{"@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https:\/\/www.thenewslens.com","name":"TNL The News Lens 關鍵評論網"}},{"@type":"ListItem","position":2,"item":{"@id":"https:\/\/www.thenewslens.com\/category\/personal-finance","name":"理財"}},{"@type":"ListItem","position":3,"item":{"@id":"https:\/\/www.thenewslens.com\/article\/244038","name":"《最美好的投資》：沒時間算退休要多少錢才夠？你需要神奇的「百分之四法則」"}}]}}</script> <script 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The News Lens 關鍵評論網","url":"https:\/\/www.thenewslens.com"},"keywords":["理財","本金","投資理財","高股息ETF","退休帳戶","孫太","最美好的投資","36個關鍵思維，做長期主義者，孫太從底層翻轉人生，勾勒幸福藍圖的祕訣","退休公式","百分之四法則"],"dateCreated":"2024-10-30T15:01:28+08:00","dateModified":"2024-11-13T20:00:25+08:00","datePublished":"2024-11-13T20:00:00+08:00","description":"百分之四法則最早起源於1970年代，有人將退休金以相對保守的金融商品（債券）長期報酬去計算，發現：如果每年固定只領出4％，根據長期報酬去計算，連續提領至50年，帳戶裡的資金也不會被領完。前提是你必須持續身體健康，每年提領的金額就隨通貨膨脹進行調整，幫自己年年加薪，剩餘的本金繼續投資理財，讓它錢滾錢，就能保證自己未來30年的退休生活維持一定的生活水準。","articleBody":"文：孫太神奇的退休公式若你真的沒時間去統計自己退休後到底要擁有多少現金流？那有一個方式更簡單，就是使用百分之四法則（Four percent rule），簡單來說，就是你提領出退休帳戶中4％的金額，可以維持一整年開銷，那你就達標了！百分之四法則最早起源於1970年代，有人將退休金以相對保守的金融商品（債券）長期報酬去計算，發現：如果每年固定只領出4％，根據長期報酬去計算，連續提領至50年，帳戶裡的資金也不會被領完。後來知名的美國財務規劃師威廉．P．班根（WilliamP.Bengen），在1994年發表了一篇題為《從歷史數據決定提領率》（Determining Withdrawal Rates Using Historical Data）的研究報告，以1926年到1990年之間的實際經驗值實證過，退休金相對安全的提領比例是4％，因為這篇論文在引起社會大眾相當廣泛的關注，進而成為許多人在研擬自己退休金計畫的重要準則之一。具備百分之四法則的條件想像「退休本金」就像一隻金雞母，每年都會下蛋，而這顆雞蛋（現金流）需要60萬才夠吃一年。藉此反推「金雞母」（退休本金）的規模，以百分之四法則去預估，答案等於1500萬，才能達到百分之四法則的門檻。前提是你必須持續身體健康，每年提領的金額就隨通貨膨脹進行調整，幫自己年年加薪，剩餘的本金繼續投資理財，讓它錢滾錢，就能保證自己未來30年的退休生活維持一定的生活水準。當然，我只是舉最簡單的例子，主要是幫助大家理解百分之四法則，並沒有將未來可能發生的大筆金錢支出（例如：醫療支出、失能、癌症等重大傷病等）或龐大的單筆花費（例如：小孩結婚、房子頭期款、出國遊學的費用等）估算進去。因為每個人的價值觀都不盡相同，所以主要談的是一個大方向而已，而百分之四法則這個條件要成立，也是需要符合幾個前提要件：每年提領百分之四出來當生活費，是最大安全提領率，即便每年可以提撥60萬當生活費，但實務上還是會建議花費需要低於百分之四這個數值。而《提早退休說明書》作者嫺人在書中以2020年台灣人的平均每月消費為台幣2萬3262元實際演算，去推估一個人的年度花費約為28萬。若以百分之四法則之下神奇的退休金數字等於「28萬相當於退休金的百分之四」，也就是「28萬／百分之四=700萬」。當中若遇到通貨膨脹導致物價上漲以及投資報酬率不如預期，得透過降低消費水平藉此確保退休生活無虞，然而這些都是最理想的狀態，因為沒人可以確保未來投資市場是好是壞？誰又能料到前幾年的covid-19造成全球長達幾年的災難？許多投資人光股票帳面價值就縮水20～30％。我也不例外，當時不要說百分之四領不出來，帳面價值縮水的同時，還要將手邊閒置資金趁機進場逢低加碼。因為書中篇幅有限，因此本章節先談一個概念，幫助大家透過一些數字和案例對退休生活更清晰，由此可見，有明確的財務目標是非常重要的事。本金要準備多少才夠用？我認為答案見仁見智，取決在你個人，畢竟，只要是投資，就一定要做最壞的打算，假設整體資產投資報酬率有百分之六，這代表金雞母只需準備1000萬就足以應付每年36萬的開銷，百分之四是一個最保守的預估值，以我存股9年的經驗來說，無論是早期買金融股（第一金，2892）後期配置高股息ETF（00878、00713、00919、0056、00929等等），每一次的投資報酬率都超過百分之四，若遇到大股災我就勇敢加碼。不然以我目前統計出來的投資報酬率，每次都有超過百分之六，但我的生活水平一樣控制在最多只花百分之四以內。列個公式，以上一章的數據為例，本金1500萬是核心資產的基數。1500萬的百分之四等於60萬（基本花費）。1500萬的百分之六等於90萬，扣除基本開銷60萬，剩餘30萬買進衛星資產。1500萬的百分之八等於120萬，扣除基本開銷60萬，剩餘60萬買進衛星資產。投資時間愈早，就愈早享受複利效應然而你發現了嗎？當配息金額愈多，我拿出來花的錢就愈多，很大的原因深受我母親的影響。投資時間愈早，就愈早享受複利效應，錢滾得愈快，因為時間不等人，我的母親前幾年常跑醫院，膝蓋已無法久站久坐，更不用說坐十幾個小時的飛機去歐洲旅行。所以說，即便目前每年配息的金額超過十萬塊，此生連歐洲長什麼樣子都不知道，因此，有錢有閒沒有健康，一樣白搭，還不如趁現在身體健康、能走能跳，到世界各地走走看看呢？如何判斷不需要再投入本金？我曾多次表示，目前投資狀態已不需要再投入任何本金，並表示進入存股階段二，我採取的投資策略是「不看盤、等領息、做自己」因此，有很多粉絲寫信詢問孫太，怎麼樣可以不需要再投入本金？答案是當你的存股部位變大了之後，你的投資手法不需要再拘泥於某一種步調或方式，簡單來說就是因為你的可運用資金變多了，你想怎麼投資的彈性空間也變得更大了！以孫太自己目前的狀態為例，我以前不喜歡定期定額，比較喜歡在「合適的位階」買進，因為前期資金少，所以任何一筆錢都要發揮其最大的效應，因此在合適的位階才進場是孫太當時最好的執行方式！但現在持有的基本母數已經超過2000萬，後續增加持股的子數不論在低位階或是高位階，對於總體來說其實差異並不大，講求的應該是如何「執行」會更加簡單、方便。最根本的核心思想，說穿了就是你必須夠自律，控制好自己的每年花費，多餘的錢就投入讓錢滾錢，打造一個能帶給你源源不絕現金流的聚寶盆。我對00919的操作策略以00919當例子來解說：A：假設你每次能投入5000元買00919時，買在16元可以買三張成本16元的00919，買25元就只能買成本25元的00919兩張。B：如果一開始已經持有00919成本15元500張，那買16元00919三張後，總成本會變成15.01元的00919共503張，而如果是買在25元的00919兩張的話，那總成本則會變成15.04元的00919共502張。結果：15.01和15.04的差異，真的不大。（當然你會說503張和502張相差了一張！）說明：16元的00919不是那麼容易買得到，好的位階有時候是需要「等來的」！而在等待的過程中，可能總持股已經參與了許多次的「季配息」，因此等待是否值得，也要看你等待你所想要的「位階」花了多久的時間。書籍介紹本文摘錄自《最美好的投資：36個關鍵思維，做長期主義者，孫太從底層翻轉人生，勾勒幸福藍圖的祕訣》，幸福出版作者：孫太momo網路書店  Readmoo讀墨電子書Pubu電子書城結帳時輸入TNL83，可享全站83折優惠（部分商品除外，如實體、成人及指定優惠商品，不得與其他優惠併用）透過以上連結購書，《關鍵評論網》將由此獲得分潤收益。人生沒有容易的！「為了省錢，大賣場一條吐司，我可以吃一個禮拜！」你無法選擇自己的出身，但你可以創造新的人生。以ETF做為核心持股的孫太，目前年股息收入200萬，首度分享從小窮苦度日，為錢所苦，用36個關鍵思維，從底層翻身，到擁有金錢及富足感的幸福書寫。「生活不會永遠一帆風順，但你永遠可以選擇成長；當你告別茫然，終結頹廢，知道自己要去哪裡時，全世界都會為你讓路。」──孫太★作者扉頁親簽版──簽名+手寫32則美好語錄與讀者分享！（隨機裝訂）想要好好生活，你可以沒有拿到一手好牌的運氣，但要有打好一手爛牌的霸氣！在本書中，孫太以一個個動人的故事及自身的學習經歷，與讀者分享如何讓自己的生命、時間、財富、個人與家庭達到平衡，以及如何提升幸福感，活出理想的生活，從此刻起綻放出屬於你獨一無二的生命之花。願命運能給你一手好牌，更願你有能力打好所有爛牌，贏得自己想要的生活。即使沒有富爸爸，多次跌落谷底，依然能敗部復活，孫太想告訴大家，月薪3萬的小資女，透過正確的理財方式及正念思維，一樣有機會透過刻意練習，重新開啟新的人生，過上自己想要的生活。她從無數挫折中淬鍊出6個人生必要的投資，不僅能利己利他，創造豐盛自足、更有力量的生命價值。Photo Credit: 幸福出版【加入關鍵評論網會員】每天精彩好文直送你的信箱，每週獨享編輯精選、時事精選、藝文週報等特製電子報。還可留言與作者、記者、編輯討論文章內容。立刻點擊免費加入會員！責任編輯：朱家儀核稿編輯：馮冠維 "}</script> </head> <body class=""> <tnlmedia-header theme="styleLight" lang="zh-tw"></tnlmedia-header> <header id="mainHeader" class="main-header bg-white"> <div class="headers"> <div class="basebar container py-3 pt-lg-5 pb-lg-0"> <div class="d-lg-none "> <button type="button" class="hamburger-btn text-link-light btn btn-link btn-xs" data-toggle="popover" data-popover-placement="bottom-end" data-popover-obj-id="#menusDropdown"> <i class="icon fa-sharp fa-solid fa-bars"></i> </button> </div>  <div class="m-auto"> <a href="/" class="logo-wrapper"> <img class="logo" src="https://www.thenewslens.com/assets/images/logo/tnl_logo.svg" alt="The News Lens logo"> </a> </div> <div class="d-flex align-items-center justify-content-end d-lg-none"> <div class="member-islogin-btns bg-gray-300 rounded-circle"> <a class="js-login unlogin-btn btn btn-outline-primary btn-sm d-none-default 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</div> </div> <main id="article-244038" class="js-legal article-page-wrapper page-wrapper js-article-page-wrapper general-article-page-wrapper js-general-article-page-wrapper article-less js-article-less" data-article-id="244038" data-sponsor-article="0" data-plus-article="0" data-feature-article="0" data-column-article="0" data-r18-content="0" data-alcohol-content="0" > <article class="section-wrapper js-article-section-wrapper"> <section class="item-wrapper article-header-item-wrapper"> <div class="container" data-bs-theme=light> <div class="row justify-content-center"> <div class="col-12 col-lg-11"> <div class="item-info-wrapper"> <div class="d-flex flex-column-reverse"> <h1 id="article-title-244038" class="h3 item-title default-color">《最美好的投資》：沒時間算退休要多少錢才夠？你需要神奇的「百分之四法則」</h1> </div> <div class="item-froms"> <time class="small time" datetime="2024/11/13"> 2024/11/13 </time> <a class="small flex-shrink-0" href="https://www.thenewslens.com/category/personal-finance">理財</a> <span 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https://bucket-image.inkmaginecms.com/version/mobile/1/image/2024/10/b31c8a76-0a19-44de-b021-86531ea19e0a.jpg 640w, https://bucket-image.inkmaginecms.com/version/desktop/1/image/2024/10/b31c8a76-0a19-44de-b021-86531ea19e0a.jpg 928w, " /> </div> <figcaption class="pt-1 img-froms"> <small class="photo-credit-wrapper text-gray-400"> Photo Credit: Shutterstock / 達志影像 </small> </figcaption> </figure> </div> </div> </div> </section> <div class="item-wrapper article-body-item-wrapper"> <div class="container"> <div class="row justify-content-center article-body-item-row"> <div class="col-12 col-lg-11 article-body-item-col"> <div class="article-body-item bg-white py-5"> <div class="item"> <section class="authors-wrapper overflow-hidden mb-5"> <div class="card author-wrapper text-bg-light js-author-wrapper" data-author-id="292"> <div class="card-body card-padding-sm"> <div class="card-body-item d-flex flex-column flex-md-wrap flex-md-row"> <a class="d-flex item-link align-items-center mw-md-58" href="https://www.thenewslens.com/author/bookdigest"> <div class="avatar-wrapper bg-white border border-4 border-white rounded-circle ratio ratio-1x1 w-56px h-56px flex-shrink-0"> <img class="author-avatar rounded-circle" alt="精選書摘" src="https://bucket-image.inkmaginecms.com/version/list/1/image/2024/09/7bc377bc-56d5-4ab1-97a6-fd3ed660b383.png" /> </div> <div class="h5 text-link-dark card-title mb-0 ps-2 text-style-link">精選書摘</div> </a> <p class="card-text multiline-ellipsis-2 mt-3 mb-0 order-md-3 w-100 h6 fw-normal default-color text-muted">TNL精選書籍，讓你站上文字巨人的肩膀，遠眺世界。</p> <div class="social-btns ms-md-auto mt-3 mt-md-0 d-flex align-items-center justify-content-center order-md-2"> <a class="btn btn-square-xs btn-link text-link-light social-btn" target="_blank" rel="noopener noreferrer" href="mailto:bookdigest@thenewslens.com"><i class="icon fas fa-envelope"></i></a> <button type="button" class="btn btn-primary btn-follow ms-auto ms-md-4 js-follow-author-btn opacity-0 animate__animated">追蹤<i class="icon far fa-heart"></i></button> </div> </div> </div> </div> </section> <section class="border border-primary-800 notch-card mb-5"> <div class="h5 headine simple section-title bg-white">我們想讓你知道的是</div> <p class="h6 fw-normal default-color text-muted mb-0 card-padding-lg"> 百分之四法則最早起源於1970年代，有人將退休金以相對保守的金融商品（債券）長期報酬去計算，發現：如果每年固定只領出4％，根據長期報酬去計算，連續提領至50年，帳戶裡的資金也不會被領完。前提是你必須持續身體健康，每年提領的金額就隨通貨膨脹進行調整，幫自己年年加薪，剩餘的本金繼續投資理財，讓它錢滾錢，就能保證自己未來30年的退休生活維持一定的生活水準。 </p> </section> </div> <div class="js-advertise ad-content desktop-hide" style="min-height:326px"> <div class="tmgad tmgad-type-flux tmgad-new"> <script 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</div> </div> <section id="article-content-244038" class="item article-body default-color mb-6 mt-5"> <p class="MsoNormal ck-section">文：孫太</p><h2 class="paragraph-title MsoNormal ck-section">神奇的退休公式</h2><p class="Default ck-section">若你真的沒時間去統計自己退休後到底要擁有多少現金流？那有一個方式更簡單，就是使用百分之四法則（Four percent rule），簡單來說，就是你提領出退休帳戶中4％的金額，可以維持一整年開銷，那你就達標了！</p><div class="js-advertise ad-content " style="min-height:326px"> <div class="tmgad tmgad-type-flux tmgad-new"> <script 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</div> </div> <p class="Default ck-section">百分之四法則最早起源於1970年代，有人將退休金以相對保守的金融商品（債券）長期報酬去計算，發現：如果每年固定只領出4％，根據長期報酬去計算，連續提領至50年，帳戶裡的資金也不會被領完。</p><p class="Default ck-section">後來知名的美國財務規劃師威廉．P．班根（WilliamP.Bengen），在1994年發表了一篇題為《從歷史數據決定提領率》（Determining Withdrawal Rates Using Historical Data）的研究報告，以1926年到1990年之間的實際經驗值實證過，退休金相對安全的提領比例是4％，因為這篇論文在引起社會大眾相當廣泛的關注，進而成為許多人在研擬自己退休金計畫的重要準則之一。</p><h2 class="paragraph-title Default ck-section">具備百分之四法則的條件</h2><p class="Default ck-section">想像「退休本金」就像一隻金雞母，每年都會下蛋，而這顆雞蛋（現金流）需要60萬才夠吃一年。藉此反推「金雞母」（退休本金）的規模，以百分之四法則去預估，答案等於1500萬，才能達到百分之四法則的門檻。</p><p class="Default ck-section">前提是你必須持續身體健康，每年提領的金額就隨通貨膨脹進行調整，幫自己年年加薪，剩餘的本金繼續投資理財，讓它錢滾錢，就能保證自己未來30年的退休生活維持一定的生活水準。當然，我只是舉最簡單的例子，主要是幫助大家理解百分之四法則，並沒有將未來可能發生的大筆金錢支出（例如：醫療支出、失能、癌症等重大傷病等）或龐大的單筆花費（例如：小孩結婚、房子頭期款、出國遊學的費用等）估算進去。</p><div class="js-advertise ad-content " style="min-height:326px"> <div class="tmgad tmgad-type-general tmgad-new"> <script 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</div> </div> <p class="Default ck-section">因為每個人的價值觀都不盡相同，所以主要談的是一個大方向而已，而百分之四法則這個條件要成立，也是需要符合幾個前提要件：每年提領百分之四出來當生活費，是最大安全提領率，即便每年可以提撥60萬當生活費，但實務上還是會建議花費需要低於百分之四這個數值。</p><p class="Default ck-section">而《提早退休說明書》作者嫺人在書中以2020年台灣人的平均每月消費為台幣2萬3262元實際演算，去推估一個人的年度花費約為28萬。若以百分之四法則之下神奇的退休金數字等於「28萬相當於退休金的百分之四」，也就是「28萬／百分之四=700萬」。</p><p class="Default ck-section">當中若遇到通貨膨脹導致物價上漲以及投資報酬率不如預期，得透過降低消費水平藉此確保退休生活無虞，然而這些都是最理想的狀態，因為沒人可以確保未來投資市場是好是壞？誰又能料到前幾年的covid-19造成全球長達幾年的災難？許多投資人光股票帳面價值就縮水20～30％。我也不例外，當時不要說百分之四領不出來，帳面價值縮水的同時，還要將手邊閒置資金趁機進場逢低加碼。</p><p class="Default ck-section">因為書中篇幅有限，因此本章節先談一個概念，幫助大家透過一些數字和案例對退休生活更清晰，由此可見，有明確的財務目標是非常重要的事。</p><div class="js-advertise ad-content " style="min-height:326px"> <div class="tmgad tmgad-type-flux tmgad-new"> <script 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</div> </div> <h2 class="paragraph-title MsoNormal ck-section">本金要準備多少才夠用？</h2><p class="Default ck-section">我認為答案見仁見智，取決在你個人，畢竟，只要是投資，就一定要做最壞的打算，假設整體資產投資報酬率有百分之六，這代表金雞母只需準備1000萬就足以應付每年36萬的開銷，百分之四是一個最保守的預估值，以我存股9年的經驗來說，無論是早期買金融股（第一金，2892）後期配置高股息ETF（00878、00713、00919、0056、00929等等），每一次的投資報酬率都超過百分之四，若遇到大股災我就勇敢加碼。</p><p class="Default ck-section">不然以我目前統計出來的投資報酬率，每次都有超過百分之六，但我的生活水平一樣控制在最多只花百分之四以內。列個公式，以上一章的數據為例，本金1500萬是核心資產的基數。</p><ul class="ck-section"><li class="Pa0">1500萬的百分之四等於60萬（基本花費）。</li><li class="Pa0">1500萬的百分之六等於90萬，扣除基本開銷60萬，剩餘30萬買進衛星資產。</li><li class="Pa0">1500萬的百分之八等於120萬，扣除基本開銷60萬，剩餘60萬買進衛星資產。</li></ul><h2 class="paragraph-title Default ck-section">投資時間愈早，就愈早享受複利效應</h2><p class="Default ck-section">然而你發現了嗎？當配息金額愈多，我拿出來花的錢就愈多，很大的原因深受我母親的影響。投資時間愈早，就愈早享受複利效應，錢滾得愈快，因為時間不等人，我的母親前幾年常跑醫院，膝蓋已無法久站久坐，更不用說坐十幾個小時的飛機去歐洲旅行。</p><p class="Default ck-section">所以說，即便目前每年配息的金額超過十萬塊，此生連歐洲長什麼樣子都不知道，因此，有錢有閒沒有健康，一樣白搭，還不如趁現在身體健康、能走能跳，到世界各地走走看看呢？</p><h2 class="paragraph-title Default ck-section">如何判斷不需要再投入本金？</h2><p class="Default ck-section">我曾多次表示，目前投資狀態已不需要再投入任何本金，並表示進入存股階段二，我採取的投資策略是「不看盤、等領息、做自己」因此，有很多粉絲寫信詢問孫太，怎麼樣可以不需要再投入本金？</p><p class="Default ck-section">答案是當你的存股部位變大了之後，你的投資手法不需要再拘泥於某一種步調或方式，簡單來說就是因為你的可運用資金變多了，你想怎麼投資的彈性空間也變得更大了！</p><p class="Default ck-section">以孫太自己目前的狀態為例，我以前不喜歡定期定額，比較喜歡在「合適的位階」買進，因為前期資金少，所以任何一筆錢都要發揮其最大的效應，因此在合適的位階才進場是孫太當時最好的執行方式！</p><p class="Default ck-section">但現在持有的基本母數已經超過2000萬，後續增加持股的子數不論在低位階或是高位階，對於總體來說其實差異並不大，講求的應該是如何「執行」會更加簡單、方便。</p><p class="Default ck-section">最根本的核心思想，說穿了就是你必須夠自律，控制好自己的每年花費，多餘的錢就投入讓錢滾錢，打造一個能帶給你源源不絕現金流的聚寶盆。</p><h2 class="paragraph-title Default ck-section">我對00919的操作策略</h2><p class="Default ck-section">以00919當例子來解說：</p><p class="Default ck-section">A：假設你每次能投入5000元買00919時，買在16元可以買三張成本16元的00919，買25元就只能買成本25元的00919兩張。</p><p class="Default ck-section">B：如果一開始已經持有00919成本15元500張，那買16元00919三張後，總成本會變成15.01元的00919共503張，而如果是買在25元的00919兩張的話，那總成本則會變成15.04元的00919共502張。</p><p class="Default ck-section">結果：15.01和15.04的差異，真的不大。（當然你會說503張和502張相差了一張！）</p><p class="Default ck-section">說明：16元的00919不是那麼容易買得到，好的位階有時候是需要「等來的」！而在等待的過程中，可能總持股已經參與了許多次的「季配息」，因此等待是否值得，也要看你等待你所想要的「位階」花了多久的時間。</p><h2 class="paragraph-title MsoNormal ck-section">書籍介紹</h2><p class="MsoNormal ck-section">本文摘錄自《最美好的投資：36個關鍵思維，做長期主義者，孫太從底層翻轉人生，勾勒幸福藍圖的祕訣》，幸福出版</p><p class="MsoNormal ck-section">作者：孫太</p><ul class="ck-section"><li class="MsoNormal"><a href="https://www.momoshop.com.tw/goods/GoodsDetail.jsp?i_code=13313842&memid=6000015814&cid=apuad&oid=1&osm=league" target="_blank" rel="noopener noreferrer">momo網路書店</a> </li><li class="MsoNormal"><a href="https://moo.im/a/3tvEIL" target="_blank" rel="noopener noreferrer">Readmoo讀墨電子書</a></li><li class="MsoNormal"><a href="https://www.pubu.com.tw/" target="_blank" rel="noopener noreferrer">Pubu電子書城</a>結帳時輸入TNL83，可享全站83折優惠（部分商品除外，如實體、成人及指定優惠商品，不得與其他優惠併用）</li><li class="MsoNormal">透過以上連結購書，《關鍵評論網》將由此獲得分潤收益。</li></ul><p class="ck-section">人生沒有容易的！「為了省錢，大賣場一條吐司，我可以吃一個禮拜！」你無法選擇自己的出身，但你可以創造新的人生。</p><p class="ck-section">以ETF做為核心持股的孫太，目前年股息收入200萬，首度分享從小窮苦度日，為錢所苦，用36個關鍵思維，從底層翻身，到擁有金錢及富足感的幸福書寫。</p><p class="ck-section">「生活不會永遠一帆風順，但你永遠可以選擇成長；當你告別茫然，終結頹廢，知道自己要去哪裡時，全世界都會為你讓路。」──孫太</p><p class="ck-section">★作者扉頁親簽版──簽名+手寫32則美好語錄與讀者分享！（隨機裝訂）</p><p class="ck-section">想要好好生活，你可以沒有拿到一手好牌的運氣，但要有打好一手爛牌的霸氣！</p><p class="ck-section">在本書中，孫太以一個個動人的故事及自身的學習經歷，與讀者分享如何讓自己的生命、時間、財富、個人與家庭達到平衡，以及如何提升幸福感，活出理想的生活，從此刻起綻放出屬於你獨一無二的生命之花。</p><p class="ck-section">願命運能給你一手好牌，更願你有能力打好所有爛牌，贏得自己想要的生活。即使沒有富爸爸，多次跌落谷底，依然能敗部復活，孫太想告訴大家，月薪3萬的小資女，透過正確的理財方式及正念思維，一樣有機會透過刻意練習，重新開啟新的人生，過上自己想要的生活。</p><p class="ck-section">她從無數挫折中淬鍊出6個人生必要的投資，不僅能利己利他，創造豐盛自足、更有力量的生命價值。</p><figure class="image image-type-fluid ck-section"><img src="https://bucket-image.inkmaginecms.com/version/list/1/image/2024/10/6cf4492e-271f-4be5-a2e7-0f5e578f2551.png" data-bucket-id="2818224" width="320" height="451" data-width="995" data-height="1401" srcset="https://bucket-image.inkmaginecms.com/version/hd/1/image/2024/10/6cf4492e-271f-4be5-a2e7-0f5e578f2551.png 995w,https://bucket-image.inkmaginecms.com/version/list/1/image/2024/10/6cf4492e-271f-4be5-a2e7-0f5e578f2551.png 320w,https://bucket-image.inkmaginecms.com/version/mobile/1/image/2024/10/6cf4492e-271f-4be5-a2e7-0f5e578f2551.png 640w,https://bucket-image.inkmaginecms.com/version/desktop/1/image/2024/10/6cf4492e-271f-4be5-a2e7-0f5e578f2551.png 995w" loading="lazy" alt=""><p class="source ">Photo Credit: 幸福出版</p></figure><p class="MsoNormal ck-section">【加入關鍵評論網會員】每天精彩好文直送你的信箱，每週獨享編輯精選、時事精選、藝文週報等特製電子報。還可留言與作者、記者、編輯討論文章內容。<a href="https://www.thenewslens.com/profile/subscribe?utm_source=article&utm_medium=CTA&utm_campaign=member">立刻點擊免費加入會員！</a></p><p class="MsoNormal ck-section">責任編輯：朱家儀<br>核稿編輯：馮冠維</p><p class="MsoNormal ck-section"> </p> </section> <div class="article-others-wrapper item pt-3"> <section class="mt-6"> </section> <ul class="lists list-unstyled d-flex flex-wrap px-4 py-4 mb-0 mt-6 border-top border-gray-300 column-gap-4 row-gap-2"> <li><a class="h6 default-color fw-normal hashtag d-inline-block" href="https://www.thenewslens.com/tag/293">本金</a></li> <li><a class="h6 default-color fw-normal hashtag d-inline-block" href="https://www.thenewslens.com/tag/13159">投資理財</a></li> <li><a class="h6 default-color fw-normal hashtag d-inline-block" href="https://www.thenewslens.com/tag/252096">高股息ETF</a></li> <li><a class="h6 default-color fw-normal hashtag d-inline-block" href="https://www.thenewslens.com/tag/252309">退休帳戶</a></li> <li><a class="h6 default-color fw-normal hashtag d-inline-block" href="https://www.thenewslens.com/tag/257659">孫太</a></li> <li><a class="h6 default-color fw-normal hashtag d-inline-block" href="https://www.thenewslens.com/tag/360950">最美好的投資</a></li> <li><a class="h6 default-color fw-normal hashtag d-inline-block" href="https://www.thenewslens.com/tag/360951">36個關鍵思維，做長期主義者，孫太從底層翻轉人生，勾勒幸福藍圖的祕訣</a></li> <li><a class="h6 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