本期播客邀请了财富管理专家摩根·豪瑟尔，探讨了金钱对我们心理和财富感知的影响。节目涵盖了人们过度消费或过度储蓄的原因，以及追求财务自由过程中常见的错误。此外，还深入探讨了如何将金钱作为工具，建立心理安全感、自由和更深层次的人生目标。节目还探讨了购物、社交媒体和财富炫耀对内部奖励回路的影响，以及将金钱作为职业进步或自我价值衡量标准的危险，以及在任何水平上积累财富时应采取的最健康的心理态度。通过本期节目，听众将获得许多制定更明智财务决策的实用工具，并更清楚地了解金钱在其心理、幸福和生活中的作用。

🤔 **金钱与未来后悔：**节目探讨了如何将金钱作为工具，规划未来，避免因冲动消费或缺乏理财规划而产生的后悔情绪。例如，在购买物品时，思考其长期价值和对未来的影响，避免盲目追求物质享受。

💰 **金钱管理的极端：**节目分析了人们在金钱管理方面容易出现的两种极端：过度消费和过度储蓄。指出过度消费可能导致财务困境，而过度储蓄则可能错失生活体验和机会。鼓励听众找到平衡点，合理规划支出和储蓄。

🎯 **金钱与人生目标：**节目强调金钱并非人生的唯一目标，它更应该成为实现人生目标的工具。建议听众将金钱与自身价值观和人生目标相结合，例如，通过金钱获得时间自由、财务独立，从而追求更深层次的幸福和意义。

🧠 **心理安全感与金钱：**节目指出，金钱可以帮助人们建立心理安全感，但并非唯一途径。建议听众培养健康的心理状态，例如，避免将金钱作为衡量自我价值的标准，学会接受不确定性，并专注于自身能力和价值的提升。

📈 **社会比较与金钱：**节目探讨了社会比较对金钱观念的影响，指出过度关注他人财富可能导致焦虑和不快乐。建议听众专注于自身财务状况的改善，避免与他人进行不必要的比较，培养积极的心态，享受生活。

In this episode, my guest is Morgan Housel, an expert in private wealth generation and management and author of the bestselling book The Psychology of Money. We discuss how desiring, pursuing, saving, and spending money impact our psychology and perception of wealth. We explore why people tend to either overspend or oversave and examine the most common mistakes made in the pursuit of financial freedom. Additionally, we discuss how to best use money — and one’s relationship with it — as a tool to create psychological security, freedom, and a deeper sense of life purpose.

We also delve into the impact of purchases, social media, and wealth signaling on our internal reward circuits, the dangers of using money as a gauge of career progress or self-worth, and the healthiest psychological stances to adopt while building wealth at any level. By the end of the episode, listeners will have gained numerous practical tools for making smarter financial decisions and should have a clearer understanding of the role money plays in their psychology, happiness, and life.

Access the full show notes for this episode at hubermanlab.com.

Pre-order Andrew's new book, Protocols: protocolsbook.com

Thank you to our sponsors

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**This experience may not be representative of the experience of other clients of Wealthfront, and there is no guarantee that all clients will have similar experiences. Cash Account is offered by Wealthfront Brokerage LLC, Member Finra/SIPC. Promo terms and FDIC coverage conditions apply. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer.

Timestamps

00:00:00 Morgan Housel

00:02:13 Sponsors: Wealthfront & BetterHelp

00:05:11 Spending Habits & Cynicism

00:08:44 Tool: Money & Future Regrets

00:16:07 Money Management Extremes; Credit & Hope

00:23:17 Money as a Tool, Happiness, Independence & Purpose

00:27:30 Sponsors: AG1 & ROKA

00:30:11 Unstructured Time; Independence, Identify & Money; Addiction

00:39:04 Longevity, Health & Money

00:47:42 Ambition, Social Media, Fame & Social Debt

00:53:37 Sponsor: Function

00:55:24 Resume Virtues vs. Eulogy Virtues

00:57:52 Compound Interest, Math vs. Behavior

01:01:42 Dopamine & Time, Marshmallow Test & Distraction

01:09:58 Motivation, Pleasure; Relationships

01:14:38 Freedom, Tool: Savings & Independence

01:19:06 Peak-End Rule, Autonomy & Independence; Elder vs. Elderly

01:24:07 Familial Wealth & Identity; Entrepreneurs

01:31:53 Life Purpose; Dogs; Social & Historical Comparison

01:39:58 Social Comparison & Geography, Angst

01:46:07 Carrot vs. Stick, Identity, Tool: Verb States & Energy

01:56:43 Envy & Spending Money; Wealth & Birth Rates

02:01:27 Tools: Parent Modeling; Resentment, Individual Goals

02:07:15 Purpose, Happiness & Money

02:13:05 Zero-Cost Support, YouTube, Spotify & Apple Follow & Reviews, Sponsors, YouTube Feedback, Protocols Book, Social Media, Neural Network Newsletter

Disclaimer & Disclosures