最有效的快速积累财富的方法大公开!積累財富和幸福生活,都是後天可以習得的技能。《納瓦爾寶典》:快速积累财富,突破阶层,高效成長法則! 成長思維個人提升#目標設定 #生活哲学 #成长思维 #一麟读书
Summary
TLDR《纳瓦雷之书》讲述了纳瓦雷从贫穷印度移民到美国,通过自我发现和产品化自己,最终成为著名企业家和投资者的故事。书中强调赚钱是一种技能,需要通过找到自己的独特性和利用杠杆效应来实现财富增长。纳瓦雷鼓励年轻人成为终身学习者,关注高科技,并通过创造性思维和责任感来获取更多的杠杆,从而实现财富和精神的双重自由。
Takeaways
- 📚 赚钱是一项技能,需要通过学习和实践来掌握。
- 🌟 找到自己的独特性,与众不同是赚钱的关键。
- 🔄 产品化自己,通过放大效应来增加收入。
- 🏦 财富不仅仅是金钱,还包括能持续创造收入的资产。
- 💡 金钱是社会对你贡献的欠条,反映了你的社会价值。
- 🌐 关注高科技和前沿事物,它们是创造新产品的源泉。
- 🛠️ 专长是通过不断学习和实践获得的,而非仅仅通过上课。
- 🎯 创业没有固定模式,需要找到自己的道路和激情。
- 📈 重视复利效应,长期投资于知识、人际关系和财富。
- 🔨 学会承担责任,这是获得杠杆效应的前提。
- 🔩 利用劳动、资本和零边际成本的产品作为杠杆来放大财富。
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Outlines
📚《纳瓦雷之书》:财富快速积累之道
本段介绍了一本名为《纳瓦雷之书》的书籍,讲述了纳瓦雷这位从印度移民到美国的男子如何从贫穷中快速积累财富的故事。纳瓦雷出生于1974年,9岁时移民美国,最初只能非法工作,家境贫寒,每天带着家中钥匙在纽约街头游走。他的母亲规定他只能去图书馆,因此他每天都在家和图书馆之间往返。后来,纳瓦雷被常春藤盟校录取,并成功创业,成为著名的企业家和投资者。他最引人注目的投资是推特和优步。纳瓦雷强调,赚钱是一种技能,需要学会“产品化自己”,找到自己的独特性,并通过社会贡献获得金钱。他还提到,财富和金钱是不同的,财富是可以在你睡觉时仍能为你创造收入的东西。
🚀掌握高科技,抓住致富机会
这一段讨论了高科技产品的重要性以及如何应用这些技术来创造财富。纳瓦雷以塑料包装袋和李嘉诚的塑料花为例,说明了高科技产品在初期是如何带来财富的。随着技术的传播和普及,高技术产品不再具有高技术属性,因此要想赚钱,就需要不断关注最新的高科技和前沿事物。此外,纳瓦雷还强调了找到自己的天赋和积累专业知识的重要性,以及成为终身学习者的必要性。
💡个人声誉与杠杆效应
本段讲述了个人声誉的重要性以及如何通过杠杆效应放大财富。纳瓦雷将杠杆分为三类:劳动杠杆、资本杠杆和零边际成本的产品杠杆。劳动杠杆要求高超的管理技能,资本杠杆需要良好的社会信誉,而产品杠杆则包括代码、媒体、书籍、唱片和专利等。他鼓励人们学会承担责任,找到自己的激情所在,并专注于提供社会所需的独特产品或服务。
🎓学校教育与实际商业技能的差异
这一段讨论了学校教育无法教授商业技能的问题,并指出我们应该追求的是事物本身而非金钱。纳瓦雷提到了三种杠杆:零劳动、资本和边际成本的产品。他强调,使用劳动作为杠杆对管理技能要求极高,而资本作为杠杆则对社会信誉要求很高。对于普通人来说,最值得考虑的是使用零边际成本的产品作为杠杆。他还提出了两种人分类的观点:有杠杆的人和无杠杆的人,并强调了拥有杠杆的人即使不工作也能赚钱,而无杠杆的人一旦停止工作就没有收入。
🧠判断力的重要性与个人发展
本段强调了判断力的重要性,并以CEO为例说明了判断力的价值。纳瓦雷认为,CEO的高薪源于其判断力的价值,即使判断力只比另一位CEO高出10%,也可能对企业造成巨大的影响。他还提到了为自己设定小时工资的概念,鼓励人们专注于具有更大影响力和复利效应的事情。最后,纳瓦雷建议年轻人要解决三个重要问题:居住地、伴侣选择和职业选择,这些都是影响人生的重要决策。
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Highlights
《The Book of Navarre》记录了一个出生贫穷家庭的人如何快速建立财富的故事
Navarre是一位1974年出生,9岁随家庭从印度移民到美国的男性
Navarre最初因身份问题只能非法打工,家中无钱,每天带着家里的钥匙在纽约四处走动
Navarre的母亲规定他只能去图书馆,因此他每天往返于图书馆和家之间
Navarre后来被常春藤联盟学校录取,并成功创业,成为著名的企业家和投资者
Navarre的投资亮点在于投资了Twitter和Uber
Navarre认为赚钱是一种技能,必须学会'产品化自己'
找到自己的独特性是赚钱的关键,不应总是模仿他人
产品化是寻找杠杆效应,放大你的能力
追求财富的过程中要不断自问:这真的是我想要的吗?我是否实现了产品化?
金钱是社会对你发出的IOU,代表你对社会的贡献
财富和金钱是两个不同的概念,财富能在你睡觉时仍为你创造收入
Navarre强调必须关注最新科技,因为只有科技产品才能带来新产品
专业知识不能被教授,但可以自学
成功的秘诀在于成为自己,无人能与你相比
长期思维对于知识、人际关系和财富的增长至关重要
个人声誉对于获得更多的杠杆非常重要
三种杠杆效应:劳动力杠杆、资本杠杆和零边际成本的产品杠杆
Navarre鼓励人们学会承担责任,因为失败并不像你想象的那么可怕
找到杠杆的方法:不要追随潮流,找到热爱,专注于事物本身而非金钱
拥有专业知识、责任感和杠杆效应,社会给予的金钱回报将与你的价值相匹配
Transcripts
What about the book we are sharing today?
It records a person who was born into a poor family.
The story of how to build wealth quickly
The name of this book is "The Book of Navarre".
Who is Navarre?
He is a man who immigrated to the United States from India
Born in 1974
Immigrated to the United States at the age of 9
At first he could only work illegally because his status was not high
There is no money at home
He has the keys to his house hanging around his neck
Walking around New York every day
Public security in New York is not very good
So his mother stipulated that he could only go to the library
He runs back and forth between the library and his home every day.
Later he was admitted to an Ivy League school
Then start a business successfully
Become a famous entrepreneur and investor
His most impressive investment performance is investing in Twitter and Uber
He is a wealthy man who already has wealth and freedom
He is also a person who likes to think very much
So he often expresses his views on life on Twitter
As a result, these views quickly became popular
Many young people are forwarding his feelings
Because his feelings always hit home
Hello, welcome to Yilin Study
A good book every day
Take you on a journey of dual upgrades of thinking and wealth
How to have wealth?
First of all, making money is a skill
You must learn this skill to make money
If you don’t know this skill
Instead, he spends all day at home thinking about how to get rich overnight.
it's no use
What are the skills to make money?
sum it up in one sentence
It’s about “productizing yourself”.
Can such a simple sentence be a way to make money?
Of course, there are two key words here:
One is called self, the other is called productization
What does "valuing yourself" mean?
You have to find your own uniqueness
Nowadays many young people cannot make money
It's because they always want to be similar to others
If others take the certificate exam, follow suit;
If someone else has this diploma, he will also get it;
If someone else is opening this store, he will also open a store.
So always just follow
There is no chance
But if you really want to make money
You have to become different from others
find your true self
Uniqueness is very important
What is "productization"?
Productization is about finding the leverage effect
Able to magnify your abilities
For example, you are a teacher and give lectures every day
No productization
You can only make money by giving lectures
So this is not called productization
but
If you turn the lecture content into a software
When it becomes something that everyone can download and register an account to listen to
This is called productization
You need to keep asking yourself in this life
As you pursue wealth, keep asking yourself two questions:
The first question is
Is this something I really want?
This is related to your search for yourself
The second question is, have I achieved productization?
If these two problems are solved
you can make money
What is the essence of money?
Money is an IOU issued to you by this society
What does it mean?
You have contributed to this society
What does this society give you in return?
It cannot give you something back immediately
That's called bartering.
It returns you a piece of paper, which is money
The more you contribute, the more rewards you will receive
Therefore, money is an IOU
When you realize that money is an IOU
Do you know what to do?
That is, you have to create enough value for this society
This society will give you enough IOUs
What is wealth?
What happened to wealth?
Wealth and money are two different things
Navarre said that wealth comes after sleeping
It can still give you something that continuously creates money.
For example, a house can be regarded as wealth
Because the house is available for rent, you fell asleep
You can also earn income from it
Therefore it is considered wealth
The equity of a company can be regarded as wealth
If you own part of a particularly good company,
even if you fall asleep
This company is still running
it will bring you wealth
High-tech things, company shares
This is an asset
You have a patent, it’s an asset
If you have a patent in your hand
You can charge royalties
For example, others charge two cents for one use.
Or you wrote a song
This song is on the website
Others charge 10 cents or 20 cents for each download.
this is wealth
Everything we can see on the market now
They are all high-tech products from the past
so
Navarre believes that we must pay attention to the latest technology
Only technological things can bring new products
Let’s take an example – plastic bags
Everyone may think that plastic bags are not a piece of technology
Weren’t plastic bags high-tech when they were first born?
That is the high technology of chemical industry
If you could build a factory to produce plastic bags back then,
That will definitely make you rich
Because no one can produce plastic bags
only you can
How did Li Ka-shing start his career?
Li Ka-shing started his business selling plastic flowers
This was a high-tech product back then
It’s just because high technology has a process of dissemination
As dissemination becomes more widespread
High tech is no longer high tech
So I can’t make any money
Therefore, if you want to make money
You have to always pay attention to high-tech and cutting-edge things
Pay attention to how to apply this thing
How to find talent?
We talk about "finding your talent",
Just how can you be yourself
What are some ways to accumulate expertise?
First, you need to know one thing
Navarre said: “Expertise cannot be taught
but can be learned
"Many people tell you very firmly
You can make a fortune by taking this course
It's impossible to make a fortune just by taking a course
Can a person get rich?
There are a lot of accidental factors
It’s definitely not something you can learn by just taking one class.
Navarre said something particularly pertinent.
These business skills cannot be taught
There is no way to teach you how to make money in college.
why?
Because if I could teach you for sure
I can teach it to everyone programmatically
And if I could program it and teach it to everyone
Then this thing must be worthless
Just like producing plastic bags
Producing plastic bags can be taught
Because this is a production method
everyone can learn
If everyone in society learned to produce plastic bags in batches
Learned to produce cement in batches
Learned to bake bricks in batches
All kinds of businesses that were very profitable back then have become unprofitable now.
Therefore, business skills cannot be taught
But why can it be learned?
In the same classroom at university, the same lectures are being taught
But the students taught are all kinds of
Some people think this university is worth attending.
can learn a lot
In fact, this is not what the teacher taught him
He learned it himself
We can listen to classes and study
But don’t rely on listening to lectures and studying
Listening to lectures and studying only brings us an inspiration
Let's broaden our horizons
find an opportunity
Will it succeed in the end?
It depends on whether your own brain reacts
And have you tried hard?
Only if you work hard enough
Just a chance to get lucky
This is a secret to success
on becoming oneself
No one can compare to yourself
How can I be different from others?
The answer is to be yourself
on being yourself
No one can compare with you
And if you just want to be someone else every day
That's no use
In the book "The Amazon Chronicles"
What does Bezos mean by entrepreneurship?
To start a business, there is no way to go.
If you see others doing this, stop doing it
You have to find your own path
and
Find ways to do things in the areas where you are most passionate
Rather than just focusing on who pays the highest salary
Do you know what I get in exchange for "who pays me a high salary"?
This is exchanging time for money
Trading time for money means you have no wealth
Because as long as you don't spend this time
you won’t get income
Although you exchange time for money, you can support your family
But you can never become a financially free person
Because as long as you don’t work, you won’t have any money.
So, where does one’s expertise lie?
Personal expertise must belong to the edge of the field of knowledge
You've reached the edge of your profession
Keep testing on this edge
Finally made something new
This is the passion that comes from within us
The most important skill for getting rich is to be a lifelong learner
Teachers in universities, even PhD supervisors
It is impossible to bring you to the edge of knowledge
You must walk slowly and alone to the edge of knowledge on your own
Become a lone warrior
Then you still need to keep thinking
keep exploring
Finally can go out
Navarre said that whether it is wealth
Or interpersonal relationships, or knowledge
You have to remember one thing - compound interest
Compound interest works, so take the long term
in the field of knowledge
Compound interest can work
The more books you read
It will be very relaxing when you read the next book
This is the compound interest effect at work
At the level of interpersonal relationships, at the level of knowledge, and at the level of wealth
You have to believe in compound interest
and take a long-term view
Because the effect of compound interest cannot be seen in the short term.
But in the long run it's a miracle
So whether investing or making friends
We all need to take a long-term view
There are two focuses on taking a long-term view
First, personal reputation is very important
If you have no personal reputation in society
Then you won’t be able to use the various levers we’ll talk about later.
What is leverage?
You have to hire people, that’s leverage;
You need to borrow money, this is leverage
But who will the money and people follow?
You must go with someone with a good personal reputation
If you have a bad reputation, people won't be able to hire you.
Can't find any money
So what can we do to gain more leverage?
You have to learn to take responsibility
Why do some people only like to work?
If you ask me to move bricks, I will move bricks. If you ask me to write PPT, I will move bricks.
I will write PPT, you just need to pay me
The fun part about working is that you don’t have to take responsibility
Even if the company goes bankrupt, I have to clear my salary first
Because I am a vulnerable group
but
If you are not responsible, you will never gain leverage.
We have talked about the method of productizing ourselves before.
One is to find yourself
One is the leverage effect
What are the levers?
roughly divided into three categories
The first one is called labor leverage
Just like the industrialized production of Ford Motor Company
Just be able to hire a lot of people
These people become the lever that magnifies the company's wealth
This is called labor leverage
The second type is called capital leverage
For example, I have a friend who is a fund manager
Fund managers must have a high reputation
When he said he was willing to help others manage their finances
Someone will give him billions
He can raise billions to help others operate it
This is called capital leverage
Both require a good reputation and the ability to take responsibility
There is a third thing that many people don’t realize
It is a carrier with zero marginal cost
This is also leverage
Includes things like code, media, books, records, and patents
Although these things do not seem to bring revenue as a company
But it is a lever that can help you infinitely magnify
How did Bill Gates do it?
Bill Gates relies on writing code
He turned all DOS systems and Windows systems into software
Keep copying until marginal cost is zero
That is, its production cost is almost zero
How does a writer make money?
A writer writes a book that can be copied without restriction
If you can sell 10 million copies
Selling 100 million copies is a huge lever
These three types of leverage can help us magnify our wealth
Why does Navarre encourage us to take responsibility?
He said
Because failure is not as scary as you think
A great invention in the business field in human history
It’s a limited liability company system
The limited liability company system promotes the substantial development of market economy
In the past, many people did not dare to start a business
Because once you compensate, you may have to compensate for the rest of your life.
What if the business fails?
You might even have to repay the debt from your father and son, and then you won’t be able to get over it.
Later, everyone simply set a bottom line
It's over when the company loses all its money.
You can take back your personal wages, dividends and other assets
After having this guarantee
A large number of entrepreneurs have emerged
This is to use institutional creation to design an anti-fragile graphic.
Why is starting a business a good deal?
Because entrepreneurs are guaranteed to lose money
Once the company loses all its money, it's over.
This is a limited liability company system
Navarre believes
If you are particularly worried about taking responsibility
Then you are likely to live with money anxiety your whole life
Because you don't dare to try
In fact, after you go bankrupt
Is this result that serious?
Our society still has certain protections for bankrupts.
Not like those dramas everyone watches
For example, the "Merchant of Venice" that everyone has watched,
At that time, debtors had to go to jail.
It is even possible to cut off the flesh from the body to pay off the debt.
Today we have no debtors' prisons
Even if you are in debt
You're bankrupt and your reputation is damaged.
But you still have a chance to start over
so
Navarre says you have to be able to learn to take responsibility
How to find leverage?
The first way to find leverage:
Don’t follow the trend, find love
No matter what you do
We should all aim at the thing itself
rather than aiming for money
Navarre said: “The less you desire something, the less
The less worries
The less obsession
On the contrary, the more you will let nature take its course and follow your heart
You will do it in the way you are good at
Keep doing it unswervingly
The quality of work will also improve as a result...if society can train you
Then one day, society can also write code
Replace you with a computer
"
If you want to do bulk goods
You want to do something similar to others
Then someone else will take your place
Because you can do it effortlessly
Others can do it without any effort
In the end, no one makes any money
to get economic returns
You need to provide what society needs
But something that cannot be obtained
Schools can’t teach us business skills
Basically, the things taught to us in school are as standardized as possible.
And what we can learn is what makes us different
No matter what you do
We should all aim at the thing itself
Rather than aiming to make money
We talked about three levers earlier:
Products with zero labor, capital, and marginal costs
If you use labor as leverage
This places extremely high demands on your management skills
If you don’t know how to lead a team
You can't manage a factory with thousands of people
If you use capital as leverage
This places high demands on your social credibility
If you don’t have a high enough social reputation
You can't get capital money
What ordinary people should consider most seriously
It is the leverage that uses products with zero marginal cost as the carrier.
It is simply divided into books, media, movies, and code.
If you can program, you can write programs
It’s a Bill Gates-style leverage;
if you could make a movie
Like Disney and Marvel;
If you can write books, like Yu Hua and Mo Yan;
if you could own the media
You can even make a public account, video account, or Douyin account
These are all levers that we can effectively obtain
Navarre said that there are two types of people
How did we classify people in the past?
Many people often say that this person is educated
That person is uneducated
The author says it’s wrong, you shouldn’t classify people like this
People cannot be classified by educated or uneducated
Should be classified by using leverage and without leverage
He believes that people are divided into two categories:
One type is people with leverage
One type is people without leverage
People with leverage even if they don’t work
There are also things that help him make money;
If people without leverage don’t work
There is no money to be made today
He said: "If you have expertise and a sense of responsibility
And know how to use the leverage effect
The monetary rewards society provides you will match your value
At this time, you can save more time
become super efficient
You don’t need to meet for the sake of meeting
No need to work hard to express yourself
There is no need to show your workload through reporting materials - you just need to focus on the work itself.
"
Do you know what’s the biggest problem with working for someone else?
you are selling your time
You want others to give you more money
Then you need to show that your time is valuable
Why do office politics exist in many companies?
There is palace fighting drama
Do you fight like hell when it comes time for performance reviews?
It's because everyone is trying hard to prove "I am valuable."
Work hard to prove "I am valuable",
and do it well
There is no relationship between the two
The harder you work to prove yourself valuable
It's possible that no one will do the things you're responsible for.
On the contrary, it will not be done well
People like Steve Jobs
Why can I retire after so many years?
Suddenly I thought of making an iPod
Or make something like an iPhone?
He belongs to the situation we just read about
Because his brain is relaxed
He doesn't have to prove anything to anyone
He just focuses on solving problems
This will put people into a virtuous cycle
Once you find the leverage
You will enter a virtuous cycle
And if you don't find the leverage
You can easily enter a vicious cycle
How do we achieve the leverage effect?
Navarre says if you want to gain leverage
Two abilities are important
Either you have strong sales ability
Either you have strong construction skills
For example, CTO (Chief Technology Officer), people who make apps, people who write code
These are people who are highly constructive;
Those in the marketing department who are responsible for selling things, those who are responsible for promotion, those who do live broadcasts, and those who give speeches
This is someone who has the ability to sell
If you have both sales ability and construction ability
Congratulations then
You may have become a CEO
If you don't become CEO
Then these two abilities are enough to give you some leverage
Then learn to use your mind to make money
Instead of using time to make money
Some people can make a lot of money using their time
For example, dentists, lawyers, football stars
Let's talk about stars
The reason why many stars can make a lot of money throughout their lives is
It's because he is good at managing money
People like O'Neal and James
When he has money, he will invest and buy companies
You may not know that O'Neal is a shareholder in Google
When investing in Google Angel
O'Neal voted for Google
navar says
There is a bottom line here - don't break the law
Because many people want to get rich quickly
Break the law without hesitation
Once you break the law, you go to jail
Went to jail
Your efforts in the first half of your life may have been in vain.
So be patient and take your time
Although 99% of your efforts may be wasted
But we have to work hard and wait for good luck to come
Another very important ability is judgment
Why is judgment important?
Navarre said, why is a CEO expensive?
The most valuable thing about a CEO is his judgment.
It is enough that this CEO’s judgment is slightly higher than that of another CEO.
If these two companies both control a billion dollar plate
This CEO is only 10% smarter than that CEO.
Although it doesn't look like much
But when you magnify it on this billion plate
Just one hundred million
So this CEO deserves tens of millions in annual salary
This is normal
Because his judgment is just a little bit worse
For a 10 billion or 100 billion enterprise,
Tens of billions will be lost
so
Judgment is what makes us more expensive
This is also a way to make money with your brain
You need to set yourself an hourly rate
When Nawal had not yet succeeded in starting a business and was not yet very rich,
I set myself an hourly wage of $5,000.
If he spends an hour doing this
Feels like the return is less than $5,000
He won't do it
He would rather entrust couriers and errand runners to do the work
Delegate or authorize someone else to do something
Each of us should set an hourly wage for ourselves
Let yourself focus on things that have a more power effect
Something with more potential for compound interest
So what should a fledgling young man do?
When I was just starting out
Young people need to solve three big problems:
The first is where to live
Who is the second one with?
The third is what kind of occupation
These three issues have a great impact on a person's life
navar says
We need to set aside dedicated time to think
For example, choose a city
Should you choose the east or the west?
Should you choose the coast or the inland?
Do you choose the political center or the economic center?
Do you choose a big city or a small city?
You have to think about this problem
This has a lot to do with your values and life orientation
Okay, this video ends here.
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