“意外之财”花掉不心痛?
为甚么一般人很想理财,却总是往一无所有的方向走?
其实,这是因为你对待金钱的想法有问题!
有几个有关金钱心理学的测验,可以来测试一下,来看你是不是一个懂投资、理性对待金钱的人?
1.今天有两笔钱出现在你面前,一笔是你辛辛苦苦工作所赚的5万元,另外一笔是去赌场不小心赢得的5万元,请问花哪一笔钱时,你会花得比较痛快、花得比较不心疼?
2.今天又有两笔钱出现了,一笔是你辛苦打工赚的5万元,另外一笔是在旧衣服当中意外找到的5万元,这时候请问花哪一笔钱时,你会花得比较痛快、花得比较不心疼?
如果你是选择赌场赢得的5万元、旧衣服里面的5万元,那么你就是正常的傻瓜。如果你认为不管哪一种钱都一样,那么你的理财态度是对的。
正常的傻瓜就是:“正常”的决策者,常常做著“傻瓜”的决策,但他们自己毫无自觉。就像是问题中的两笔钱一样,其实不管怎么来的钱,都是钱,定义是你自己下的,实质上并没有甚么不同。
但是在人的心中,这两笔钱是不一样的,这就是一种心理帐户;就是这样的心理帐户,造成我们对辛苦来的钱视如珍宝,却对“容易得到的钱”轻松花掉,这也是为甚么很多继承遗产的二代,会轻易将上一代积累迅速败掉的原因。
所以,为了避免这样的情况发生,请一定要公平地对待每一分钱!
(本文出自《人生实用商学院》,时报出版)
https://www.sinchew.com.my/20211129/%E6%84%8F%E5%A4%96%E4%B9%8B%E8%B4%A2%E8%8A%B1%E6%8E%89%E4%B8%8D%E5%BF%83%E7%97%9B%EF%BC%9F/
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