To The Moon

Nick Maggiulli 值得細味金句（分三大著作+部落格合集，附原文+繁體譯文）

一、《Just Keep Buying 持續買進》核心金句（投資底層邏輯）

1. Just keep buying = The continual purchase of a diverse set of income-producing assets.持續買進，就是持續買入一籃子能產生收益的多元資產。

2. The best time to invest was yesterday. The next best time is today.投資最佳時機是昨日，次佳時機就是今日。

3. Even God couldn’t beat dollar-cost averaging.就算上帝親自操作，也難以擊敗定期定額。

4. Most markets go up most of the time.大多數市場，大多數時候都是向上走。（全書最重要一句）

5. Time in the market beats timing the market.長期持有勝過猜測進場時機。

6. The biggest lie in personal finance is that you can get rich simply by cutting spending.理財界最大謊言：單純節省開支就能致富。

7. Saving is for the poor and investing is for the rich.儲蓄是底層人的遊戲，投資纔是富人的積累方式。

8. Your career is your most valuable financial asset—treat it like one.你的職業生涯，是你最珍貴的金融資產，請認真對待。

9. The best portfolio is the one you’ll stick with for 40 years.最完美的投資組合，是你能夠堅持四十年不變的那一組。

10. Why would you want to play a game you can’t prove you’re good at?一場無法證明自己靠實力獲勝的遊戲，何必耗費光陰參與？（反對頻繁炒個股）

二、《The Wealth Ladder 財富階梯》金句（財富階層心法）

1. The difference between those who build wealth and those who don’t isn’t effort—it’s strategy.能累積財富與原地踏步者的差距，不在勤力，而在策略。

2. Some people’s most expensive asset is their ego.有些人身上最昂貴的資產，是自己的自尊心。（高淨值階層最大絆腳石）

3. Money is like salt: it doesn’t create happiness, it amplifies the happiness you already have.金錢如同鹽，它不會製造快樂，只會放大你本來就擁有的快樂。

4. The illusion of “I can afford to lose” vanishes as you climb higher on the wealth ladder.「我輸得起」只是幻覺，財富階梯爬得越高，這句話越不成立。年輕人輸光還有數十年收入補回，中年人一次大跌就是永久損失。

5. True wealth includes social, mental, physical, and time wealth—not just financial assets.真正的財富包含人際、心靈、健康與時間，絕不只是金融資產。

6. The optimal wealth level is one where you can get the best table at the restaurant, yet no one recognizes you.最理想的財富層級：能輕鬆坐餐廳頭等座，卻沒有人特意認出你。

7. Money is useful, but it’s not tradable for the other types of things that are important in life.金錢很實用，但無法兌換人生裡其他無價的事物。

8. Different stages in life require different ways of thinking about money.人生每個財富階段，都需要一套完全不同的金錢思維。

三、《Of Dollars and Data: The Collection》部落格合集金句（數據理財觀）

1. Your savings rate is primarily determined by your level of income, not your frugality.儲蓄率高低，核心取決於收入水準，而非你有多節儉。

2. 0.01% Net Worth Rule: Any expense below 0.01% of your net worth requires zero guilt.0.01%淨資產法則：開支少於自身淨資產萬分之一，完全不必有花錢罪惡感。

3. Don’t max out your retirement accounts blindly; liquidity matters more for younger earners.別盲目滿額存入退休帳戶，年輕人更需要流動性。

4. Good debt builds income; bad debt erodes it.優質負債創造收入，劣質負債吞噬收入。

5. The evidence suggests most people need to save less than they think.數據證實：多數人實際需要存的錢，遠比自己想像得少。

6. Mature financial planning doesn’t ask “How much do I want to own?” It asks “What risks do I need to cover?”成熟的財務規劃不問「我想擁有多少」，而是問「我需要抵禦哪些風險」。

四、訪談延伸金句（通透人生觀）

1. I’ve seen data, seen billionaires, and realized true financial freedom is not money—it’s the right to choose your lifestyle.看盡數據與鉅富後才明白：真正財務自由從不是金錢，而是選擇生活方式的自主權。

2. If my net worth multiplied ten times, my life wouldn’t improve—it would get worse.就算淨資產再翻十倍，我的生活只會變差，不會更好。（鉅富會懷疑所有人接近自己的動機）

3. Don’t move until you see it.未見明確證據前，不要輕易改變投資策略。（數據至上底線）