Recommended Reading – "The Psychology of Money" by Morgan Housel

I recommend this book to readers who want to build a healthier relationship with money. I deeply resonate with Housel’s perspective on accumulating wealth and achieving financial freedom.

Wealth is invisible. I especially appreciate how the author clearly distinguishes between being “rich” and being “wealthy.” “Rich” is what people see – luxurious homes, expensive cars, and premium brands. “Wealthy,” on the other hand, is what people don’t see – living modestly while steadily building savings and investments. Housel highlights an interesting idea: “Spending money to show others how much money you have is the fastest way to have less money.”

Financial freedom over consumption. Saving money is not about buying something later; it is about achieving financial freedom. Once we have accumulated enough wealth, we gain flexibility, the ability to choose work we enjoy, leave a job that no longer serves us, pursue passions, or prioritise what matters most, such as time with loved ones or taking a break to recharge.

What financial freedom means:

1. Quitting a job without fear of financial burden.

2. Taking time off for personal care or family needs without stress.

3. Waiting for the right opportunity instead of jumping at the first paying offer.

4. Absorbing unexpected expenses without derailing your life.

This can be achieved by leading a modest lifestyle with conscious control of your spending.

Time as the greatest dividend. According to Housel, the highest form of wealth is having control over your time. Happiness is less about possessions and more about autonomy - being able to do what you want, when you want, with whom you want, for as long as you want. That freedom is the most valuable form of wealth.

Generating passive income. For me, delaying gratification, saving consistently, and investing in assets that generate income is important. Even once a certain wealth level is reached, we still need to control our spending to preserve wealth and enjoy financial stability.

Winner Lee

Life Coach, Mentor, Writer

The original article was published on LinkedIn on 24 September 2025:

https://lnkd.in/eHJ5MYAB

推薦閱讀 – 致富心態 作者: 摩根·豪瑟

我推薦這本書給希望與金錢建立健康關係的讀者。我非常贊同豪瑟關於累積財富和實現財務自由的觀點。

財富是看不見的。我特別欣賞作者清晰地區分「富有」和「財富」。 「富有」是人們看得見的 — 豪宅、名貴房車和奢侈品牌。而「財富」是人們看不見的 — 過著簡樸的生活，同時穩定地累積儲蓄和投資。豪瑟強調了一個有趣的觀點：“花錢炫耀自己有多少錢，是讓自己擁有較少錢的最快方法。”

財務自由勝過消費。儲錢的目的不是為了日後買東西；而是為了實現財務自由。一旦我們累積了足夠的財富，我們就獲得了靈活性，能夠選擇自己喜歡的工作，辭去不再適合自己的崗位，追求自己熱愛的事情，或者優先考慮最重要的事情，比如與親人共度時光，或者休假以恢復精力。

財務自由的涵義：

1. 辭去職位時不用擔心經濟負擔。

2. 照顧個人或家庭需要時休假而沒有壓力。

3. 等待合適的機會，而不是一有賺錢機會便必定要幹。

4. 能夠承受意外開支，而不會影響生活。

這可以透過調整適度的生活方式，有意識地控制支出並決心儲蓄來實現。

時間是最大的紅利。根據豪瑟的說法，財富帶給你的紅利是對時間的控制。幸福並非取決於擁有多少財產，而在於自主，做你想做的事，在你希望的時間，與誰一起、想花多少時間都可以。這種自由才是財富給你最保貴的形式。

創造被動收入。對我來說，關鍵在於延遲滿足、持續儲蓄以及投資於能夠產生被動收入的資產。即使累積了一定的財富，我們仍然需要控制支出，這樣才能在依靠收入的同時亦能保持財富，享受財務穩定。

https://lnkd.in/eHJ5MYAB