The Millionaire Next Door這本書說富有的一代移民的娃很多沒錢，說娃讀醫法，開銷大，最後財富低

The Millionaire Next Door: The Surprising Secrets of America's Wealthy: Thomas J. Stanley, William D. Danko: 8601419940790: Amazon.com: Books

 

The author essentially splits everyone into two categories: Underaccumulators of Wealth (UAWs) and Prodigious Accumulators of Wealth (PAWs). UAWs have a low net worth relative to income, and the opposite for PAWs and uses these terms throughout the book.
 

On the other hand, UAWs are typically well-educated professionals with high paying and high profile jobs (doctors, attorneys), but due to societal pressures associated with their social standing are forced to squander all their money living in luxury neighborhoods, driving German cars, and sending their kids to private schools. Their expensive lifestyle means that they spend most of their income and as a result have a low net worth, despite outward appearances.

First generation millionaires (often immigrants) tend to be succeeded by children with financial struggles, since the parent's desire to "give them a better life" pushes them into careers where they become UAWs, and their upbringing in our consumerist culture impedes their ability to live frugally. But even if it turns them into UAWs, encourage them to go to college and aspire to a while-collar professional job.

- Parents giving money to their children develops and reinforces poor financial habits. This money is almost always immediately spent, and these children generally have no savings since they are looking to their parents as their safety net and counting on an inheritance. Doing things like buying children a house in an upscale neighborhood or sending grandkids to a private school actually makes the children worse off, since they have to spend more to maintain the associated lifestyle.
 

 

 

所有跟帖： 

• 說的是那些“poor financial habits”的孩子，這裏有幾個父母這麽教育孩子的啊？沒有這種壞習慣不就好了 -米奇的廚房- ♂ (101 bytes) () 08/31/2023 postreply 08:20:41

• 說讀醫法開銷大的應該不是什麽富人 -skyport- ♂ (0 bytes) () 08/31/2023 postreply 08:22:30

• 簡單地講，就是拿 TOP 1%收入的人，還不是真正TOP 1%的富人。 -聞風- ♂ (99 bytes) () 08/31/2023 postreply 08:23:05

• 在大律所做到partner，年收入都在百萬以上，還需要自己去開業？ -SVChinese- ♂ (0 bytes) () 08/31/2023 postreply 16:44:00

• 這本書最推崇幹髒活的小業主，說這些人特會省錢，這本書1996年出版，好像很少提到地主，可能是之前的很多年特別是… -BeLe- ♀ (245 bytes) () 08/31/2023 postreply 08:26:54

• 有revised，updated的版本 -mjnew- ♂ (0 bytes) () 08/31/2023 postreply 08:31:32

• 醫生律師有頭有臉，這本書覺得有頭有臉開銷大，不值得。 -BeLe- ♀ (0 bytes) () 08/31/2023 postreply 08:41:21

• 你們都讀過？我覺得像是阿貓寫的 -avw- ♀ (0 bytes) () 08/31/2023 postreply 08:43:08

• 阿貓的net worth相對他們家的收入已經很高了。 -BeLe- ♀ (0 bytes) () 08/31/2023 postreply 08:45:33

• 對於他的消費水準來說很高 -avw- ♀ (0 bytes) () 08/31/2023 postreply 08:48:56

• 當時讀這本書，出於好奇美國富人多數是什麽樣的人，最後很吃驚地發現美國富人多數是省錢省出來的。 -BeLe- ♀ (0 bytes) () 08/31/2023 postreply 08:50:58

• 我怎麽得不出這樣的結論？ -有風景的房間- ♀ (0 bytes) () 08/31/2023 postreply 09:50:45

• Who is the prototypical American millionaire? -BeLe- ♀ (655 bytes) () 08/31/2023 postreply 10:38:50

• 我的第一本理財書。。做醫生可以大方曬。而米 -圓西瓜- ♀ (57 bytes) () 08/31/2023 postreply 08:27:05