The millionaire in you

财富管理方面都是一些众所周知的理念：指数基金，长线投资，等等。此书反而是其他的内容让我觉得很有共鸣，虽然也知道一些，但是作者总结的很好。

Quote 1: you are a grown up when you can laugh at yourself

Q2: invest your time actively and your wealth passively

Q3: exercise to clean your body, learn something new to clean your mind, listen to music to clean your soul, laugh everyday--a sense of humor is incredibly healthy!

C1: live the life you want instead of the life others expect

• what do I want out of life? where, who, how
• translate your dreams into goals, career, family, recreational, community, person relationship, self-esteem, religious and spiritual
• check your goals for compatibility and set priorities
• translate your goals to action plans

C2: stack the odds in your favor instead of against you

• long-term gain is never the result of short-term thinking
• life is a daring adventure or nothing
• get a good education but don't overpay
• choose the right kind of career
• you enjoy and find meaningful
• holds your itnerest
• makes the most of your talents
• gives you a feeling of accomplishment
• enables you to live the lifestyle you want
• ensure good health
• live in an area of low cost of living
• marry once to a frugal spouse who shares your vision of financial freedom
• buy a moderately-priced home
• have a moderate number of children

C3: be a super saver instead of a big spender

• a million dollar buys you freedom, not extravaganza
• saving is better than earning
• financial freedom is free
• saving is as simple as VST: vision, strategies, tactics

C4: increase the market value of your time instead of working long hours

• you don't have to be the one who works the most hours, just the one who is most there during the hours you work
• keys to building value: what you do, how well you do it, the difficulty of replacing you
• focus on employability instead of job security
• earning is rooted in learning
• create a side income, build your brand
• practice lateral loyality
• be a practical imagineer
• use feedback as a basis for improvement
• know your value and don't be afraid to leave a job
• Money flows to value

C5: do less better instead of trying to do it all

• time management
• decide what's most important
• sent goals and priorities to do what's most important first
• develop good habits to do what's most important most efficiently
• the way to get more done is to do less better
• two traps to avoid:
• confusing activity with productivity
• confusing urgency with importance
• how to do less better and get more done
• have a daily quiet time for reflection and planning
• carve out large blocks of time to work on important activities
• make the most of prime time
• say no to the unessential
• keep a loose schedule with a backup plan
• attack important jobs with a single-minded focus
• automate as many clerical,repetitive and trivial tasks as you can
• delegate everything but genius
• conquer the clutter
• take steps to block interruptions
• be the master of your telecommunications tools instead of their slave
• ask yourself: what's the best use of my time and energy right now?
• never take time for granted

C6: capitalize on the unexpected instead of being derailed by it

• keep your eyes on the prize
• don't be afraid of success
• use disappointment as an incentive to spur you on to even greater success
• don't let other people's opinions limit your success
• remember that every time one door closes, another door opens
• hang loose, take your dreams, your goals and your work seriously, but not yourself
• the principle purpose of life is to enjoy it, and taking yourself too seriously defeats the purpose
• when you take yourself too seriously, you tend to physically and mentally tighten up. It hurts creativity, and we tend to get very rigid in our behavior.
• your grow up the day you learn how to laugh at yourself
• hang loose, be flexible, treat it like a game, enjoy the journey and leave the long faces to those whoa re going to live forever
• never, never, never quit

C7: own the market instead of trying to beat the market

• own and hold index funds

C8: limit your losses instead of letting bad luck ruin you

• insurance
• don't smoke
• exercise regularly
• if you drink, limit yourself to two drinks a day
• wear seat belts and don't drive under influence
• eat the right food and maintain the proper weight
• get enough rest
• get regular medical,dental and vision checkups
• smile and laugh a lot

C9: listen to those who know instead of who sell

C10: do it now instead of regretting it later

J1: stay financially independent

J2: keep physically and mentally active

J3: experience the joy of giving something back

J4: remember, the journey is the joy