理财、投资和储蓄_虚拟币交易所平台,数字货币,NFT

在今年年初1月3号，创世区块12周年日的时候，我在星球里分享了一点儿关于理财、投资、储蓄、消费这几个观念的思考，以及它们在加密货币时代的新涵义、新思维。当时的价格约为32k左右。如今，整整10个月过去了，今天是11月3号，比特币的价格已经历经起伏，来到了63k左右的高度。坚定持币，无问西东。正所谓，我不负卿，卿不负我。

在我们彻底接纳加密货币之前，多数人都是法币本位的世界观。所谓法币本位，就是我们不自觉的会把一切都换算成法币的价格来衡量其相互价值。比如，一个人会想，一辆特斯拉Model 3汽车大概卖5万刀，一部苹果iPhone 13 Pro Max大概是1000多刀，他手头有3万刀现金。于是他就知道了，Model 3还买不起，因为不能拆分买，要么再攒点儿钱，或者贷款；换一台手机应该是绰绰有余了。而无论是购买Model 3，还是购买iPhone，这都是一种消费。

于是他决定先不换手机了，继续攒钱。于是他把这3万刀现金继续存在银行里。我们通常把这种行为叫做储蓄。银行的理财顾问在银行大厅向他推荐一款风险较低的偏债型基金，并游说他说现在法币放在银行里会不断贬值，可以把一些暂时不用的钱拿来理财。证券开户经理正在办理股票交易开户，他又顺手开了一个股票账户，把闲置资金转入股票账户，买卖股票进行投资。

在绝大多数传统法币世界的普通人看来，挣了法币放在银行叫做储蓄，投点儿风险较低的基金叫做理财，买卖股票是一种投资，而持有比特币则是投资一种高风险资产的行为。是的，我的公众号文章的底部也是这么进行风险提示的，随时归零的风险，请自我负责，这是用普通人的立场讲对方听得懂的话。

但是，当我们开始进入加密货币的世界时，我们就要努力建立一种新的世界观。我们进行所谓“比特币投资”最终努力建立的是一种“比特币本位”的观念。一旦建立了这种世界观，你看待世界的方式便与普通人产生了质的区别。

什么是比特币本位呢？

一开始，你会不由自主地仍然以法币衡量你的盈亏。比如用2万刀买了1个比特币，5万刀止盈了，这就是赚了3万刀。然后6万刀又买回来，4万刀割肉，这是亏了2万刀。或者你从年初3万刀买了1个比特币，一直拿着。当它6万刀时，你觉得你赚了3万刀。当它回调到3万刀时，你觉得你少赚了3万刀。当它又反弹回到6万刀时，你觉得你又赚了3万刀。

这里就有一个增币还是赚钱的问题。

比如1万刀买了1个比特币，2万刀买了。赚了1万刀。4万刀又买入，这时候2万刀只能买0.5个比特币了。到了6万刀的时候，相对买入价浮盈1万刀，总盈利2万刀，但币量从起初的1个变成了0.5个，减少了一半。

所以，所谓的比特币本位，就是要以币量为第一考虑。明白增币比赚钱更重要、保币量比保盈利更重要的道理。

有很多老韭菜，折腾了几轮周期下来，按法币本位计算，也赚了一些钱，但是手头的比特币数量却从几千个，下降到几百个，再下降到几十个，呈数量级地下滑。这就是没有明白保币量比保盈利更重要的道理。

至于你问为啥不能既增币又赚钱，既保币量又保盈利呢？长期而言，增币就是更好的赚钱，保币量就是更好的保盈利。但是，短期而言，常常遇到市场大幅回调洗牌的行情，这时候如果不能坚定持仓，保住手中的币，那么就很有可能被一次次的大幅震荡洗出市场。一旦市场大举反弹，心理锚定效应就会让下车的人很难克服心理障碍再次上车，只能眼睁睁看着高速列车从自己面前绝尘而去。

对我而言，法币现金更像是一种“饭票”，是用来换取吃饭穿衣的生活物质进行消费的；投入比特币则是储蓄，是把自己劳动换取的价值长期储存起来免受通胀侵蚀的最佳方式；在消费和储蓄之外，持有某个项目的代币比如Uniswap（或者法币世界某公司股票比如Tesla），则是一种投资，此时我在投入资金支持该项目，并期待从他们的劳动创造的价值增值中获得回报。

因此，比特币本位观就是牢牢记住：法币是消费；比特币是储蓄；其他代币（或股票之类）是投资。怎么分配你的收入到这三类用途，叫做理财。理财的智慧，叫做财商。

理财从什么开始？从学会节约消费，大力储蓄（增币）开始（践行八字诀，定投比特币，磨平波动性，是最佳的储蓄方法）。永远记住：你每省下1块钱，你就赚了1块钱！而你把这1块钱储蓄成BTC并稳拿，则相当于（未来）赚了10块钱甚至100块钱。每当你要花钱的时候，想想这句话吧！财务自由，从省下每一分钱开始。

(公众号：刘教链。星球：公众号回复“星球”)
(免责声明：本文内容均不构成任何投资建议。加密货币为极高风险品种，有随时归零的风险，请谨慎参与，自我负责。)

At the beginning of this year, on the anniversary of the creation of the block, I shared some thoughts on the concepts of financial management, investment, savings and consumption and their new meanings in the cryptocurrency era. At that time, the price was about the left and right. Now a whole month has passed. Today is the month, and the price of Bitcoin has gone through ups and downs, and it has reached a high degree of firmness in holding money. The so-called legal tender standard means that we unconsciously convert everything into the price of legal tender to measure their mutual value. For example, a person will think that a Tesla car will sell for about 10 thousand yuan, and an apple will sell for more than 10 thousand yuan. He has 10 thousand yuan in cash, so he knows that he can't afford it because he can't buy it separately, or save some money or borrow a loan to change a mobile phone, which is a kind of consumption, so he decides not to change the mobile phone first, so he continues to save money. Ten thousand dollars in cash continues to exist in the bank. We usually call this kind of behavior as the financial adviser of the savings bank recommended a low-risk partial debt fund to him in the bank lobby and lobbied him to say that the legal tender will continue to depreciate when it is placed in the bank, and some temporarily unused money can be used to finance the securities account. The account manager is opening a stock account, and he conveniently opened a stock account to transfer idle funds into the stock account to buy and sell stocks for investment, which seems to be earned by most ordinary people in the traditional legal tender world. Putting legal tender in the bank is called saving and investing in a fund with lower risk, which is called wealth management. Buying and selling stocks is an investment, while holding bitcoin is an investment in a high-risk asset. Yes, at the bottom of my article in WeChat official account, the risk of zeroing at any time is also warned in this way. Please take care of yourself. This is what the other party can understand from the standpoint of ordinary people, but when we start to enter the world of cryptocurrency, we will strive to establish a new worldview. We will invest in so-called bitcoin eventually. What you are trying to establish is a concept of bitcoin standard. Once you have established this world view, your way of looking at the world will be qualitatively different from that of ordinary people. What is bitcoin standard? At first, you will involuntarily measure your profit and loss in legal tender. For example, if you buy a bitcoin for ten thousand dollars, you will make a profit, and then you will buy it back for ten thousand dollars. This is a loss of ten thousand dollars, or if you buy a bitcoin from ten thousand dollars at the beginning of the year, you feel that you have earned ten thousand dollars when it is returned. When you adjust to $10,000, you feel that you have lost $10,000. When it bounces back to $10,000, you feel that you have earned another $10,000. There is a question of whether to increase money or make money. For example, when $10,000 buys a bitcoin, you can only buy a bitcoin. By the time of $10,000, the relative purchase price is floating, and the total profit is $10,000, but the amount of money has been reduced by half from the initial one. So the so It's more important to protect coins than to protect profits. Many old leeks have tossed around for several cycles and made some money according to the legal tender standard. However, the number of bitcoins on hand has dropped from several thousand to several hundred and then to dozens, which is an order of magnitude decline. This is why it's more important to protect coins than to protect profits. As for why you can't increase coins and make money, it's better to make money in the long run, and it's better to protect profits in the short term. I often encounter a sharp correction and reshuffle of the market. At this time, if I can't firmly hold my position and keep my money, it is likely to be washed out of the market by sharp shocks again and again. Once the market rebounds, the psychological anchoring effect will make it difficult for people who get off the bus to overcome the psychological obstacles and get on the bus again. I can only watch the high-speed train die in front of me. For me, legal tender cash is more like a meal ticket in exchange for living materials for eating and dressing, while bitcoin is an investment for saving. The best way to save the value of one's labor for a long time from inflation is to hold tokens of a certain project, such as or shares of a company in the legal tender world, such as an investment. At this time, I am investing money to support the project and expect to get a return from the value added created by their labor. Therefore, the bitcoin standard view is to firmly remember that legal tender is to consume bitcoin, save other tokens or stocks, and so on. How to allocate your income to these three uses is called management. The wisdom of financial management is called financial business management. Where do you start? Learn to save consumption, save vigorously and increase money, and start practicing the eight-character tactic. It is the best way to save money to smooth out the volatility of bitcoin. Always remember that every time you save a dollar, you earn a dollar, and if you save this money, it is equivalent to earning a dollar or even a dollar in the future. Whenever you want to spend money, think about this sentence. Financial freedom begins with saving every penny. WeChat official account Liu Jiao Chain Planet WeChat official account replies to the planet disclaimer. The contents of this article do not constitute any investment advice. Encrypted currency is a very high-risk variety. Please 比特币今日价格行情网_okx交易所app_永续合约_比特币怎么买卖交易_虚拟币交易所平台

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