內容簡介
內容簡介 一本將個人理財與全球宏觀經濟緊密結合的著作,幫助你在混亂的局勢中理清財富脈絡,掌握自己的金錢決策,踏上長期財務自由之路。「我們都共同生活在這個世界上,我們的金錢也是如此,」Bryan Kuderna 寫道。「你必須明白,金錢——你的金錢——其實位於世界每一個重大議題的核心。」身為 CFP®(認證理財規劃師)與全國知名財務顧問,Kuderna 深知:做出明智財務決策的關鍵,在於對經濟學有深刻理解。當客戶問他:「我該怎麼處理我的錢?」時,他發現話題往往很快就會從個人理財,延伸成對整體經濟的全方位觀察,進一步說明全球議題與每個家庭餐桌上的日常生活,其實彼此緊密相連。在《我該如何處理我的錢?》中,Kuderna 解釋了經濟與市場如何受到人們生活、學習、戀愛、工作、娛樂與信仰方式的影響——因為正是這些行為模式,決定了群體、企業與國家如何賺錢或失去財富。透過歷史、故事與深刻洞察,Kuderna 帶領讀者縱覽影響財富的九大關鍵領域:- 人口(POPULATION)──迅速成長且不斷變化的「貢獻者」與「依賴者」之間的平衡- 福利制度(ENTITLEMENTS)──社會安全、醫療保險、退休金與振興方案的過去、現在與未來- 教育(EDUCATION)──大學教育與學生貸款的成本與回報- 經濟哲學(ECONOMIC PHILOSOPHY)──主導世界運作的政治與貨幣信念- 環境(ENVIRONMENT)──在全球暖化、塑膠污染與有限自然資源下,地球是否能永續發展- 科技(TECH)──股市成長最快產業所帶來的機會與威脅- 戰爭(WAR)──代理人戰爭、軍民融合、網路攻擊與經濟戰的運用- 宗教(RELIGION)──信仰如何從石器時代一路影響經濟到太空時代- 個人理財(PERSONAL FINANCE)──達成「三個 I」的人生規劃:影響力(Impact)、獨立(Independence)與收入(Income)每一章都包含特別設計的內容,說明宏觀(macro)問題如何影響你的個人微觀(micro)世界,幫助你把全球議題與自己的財務規劃串連起來。如今,你或許比以往更容易感到不知所措,甚至覺得自己只是既有經濟體制下的受害者;但請繼續讀下去,你將會發現:沒有比現在更適合掌握自己的人生、建立財富的了。An eye-opening panoramic guide providing the economic literacy you need to be in control of your money decisions and get on the path to long-term financial independence“We are all on this earth together, and so is our money,” Bryan Kuderna writes. “You must understand that money, your money, rests at the heart of every major issue in the world.”Kuderna, a Certified Financial Planner™ and nationally recognized financial advisor, knows first-hand that the key to wise financial decisions is a deep understanding of economics. When his clients ask him, “What should I do with my money?” Kuderna has found the conversation quickly turns from one of personal finance to a 360-degree view of economics, illustrating why and how issues on the global stage and the kitchen table are directly connected.In What Should I Do with My Money?, Kuderna explains how economies and markets are affected by the way people live, learn, love, work, play, and pray―for it is these behaviors that determine how groups, corporations, and nations make money or lose money. Using history, storytelling, and sage insights, Kuderna takes you on a panoramic tour of the nine most important domains impacting your wealth:- POPULATION―a rapidly growing and shifting balance of givers and takers- ENTITLEMENTS―the past, present, and future of Social Security, Medicare Medicaid, pensions, and stimulus programs- EDUCATION―costs and benefits of college and student loans- ECONOMIC PHILOSOPHY―political and monetary beliefs that govern our world- ENVIRONMENT―the sustainability of our planet amid global warming, plastics, and finite natural resources- TECH―opportunities and threats from the fastest-growing sector of the stock market- WAR―the use of proxy wars, civil military fusion, cyber, and economic attacks- RELIGION―how faith has steered economies from the stone age to the space age- PERSONAL FINANCE―a plan to attain the Three I’s: Impact, Independence, and IncomeEach chapter includes special features explaining the “macro” problem and what it means to your personal “micro” world―helping you connect the dots of global issues to your own financial plan.Now more than ever you might feel overwhelmed, the victim of existing economic structures, but wait and see how there has been no better time for you to take control and build wealth.
作者介紹
作者介紹 Bryan KudernaBryan M. Kuderna is a Certified Financial Planner™ and founder of Kuderna Financial Team. Named one of New Jersey’s Top 10 Financial Professionals of 2021 by NJBIZ, he hosts the popular finance and business podcast, "The Kuderna Podcast." He is a regular contributor to CNBC, Newsmax, Financial Planning Magazine, and other media. His first book Millennial Millionaire: A Guide to Become a Millionaire by 30 launched Kuderna as a national speaker at colleges, hospitals, and financial institutions.