遜色的開局
今年很快就過了兩個月,今年的開局比去年遜色得多,目前落後44%左右,主因就如之前提到的,除了九月派息的松下和大眾已經不再是主力,倫平把派息日改回8月也影響了今年的開局,同時也致使今年要追上去年的水平難度提昇了,畢竟比較基礎被拉高。
即便如此,説放棄的時間還早,目前自己還是把今年的被動薪水目標設在月均RM15k一個月,也就是年收入180k。而且,可能的話,這一次會儘量不依靠主動收入去達成目標,而是靠投資的能力去做到。
這個月是業績潮,也是不少主力會公佈薪水的時期,個人特別期待咖啡機的股息,強勢美元對它有利,以它過往的風格而言,預期這一期加薪20%應該不算是奢望,拭目以待。
投資的這些年來,覺得習慣的培育很重要,生活習慣、學習習慣、工作習慣、投資習慣.....這些我們忽視的習慣,在不知不覺中會影響你的人生走向。
據說,一個人一天的行為中,大約只有5%是屬於非習慣性的,而剩下的95%的行為都是習慣性的。你可以拿出一天有意識地去覺察一下自己的行為,是不是絕大部分都是習慣性的。
但習慣的養成,最離不開的就是堅持。
習慣分三類:第一類是行為習慣,如早起、背單詞,養成需要一個月;第二類是身體習慣,如跑步,瑜伽,需要三個月;第三類是思維習慣,如培養批判性思維,在日常生活融合理財投資思維,改變思維是最難但也最受益的,至少需要半年。
如是者,想想一年下來,你可以培養多少個行為習慣、身體習慣和思維習慣?四年下來呢?
話說,是否要把中年過得這麼有目的性?
選擇隨人,但我們需要不去奢望有憑空而至的幸福。
建立一套吻合自我信念的生活方式,是中年時需完成的功課,也是老去時的指望。
並且,一個足夠清醒而積極努力的過程,本身就已是人生路上豐厚的回報。
著作網購鏈接(馬來西亞):《打工族股息路》
著作網購鏈接(新加坡):《打工族股息路》SG
大眾書局網購鏈接 :大眾書局網購鏈接
http://mercurychong.blogspot.com/2022/11/blog-post.html
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