《DOLLARS AND SENSE》行為經濟學大師丹．艾瑞利又一力作！這一本有出中文版《金錢心理學》，我看的是英文版，列入2018年個人榜的十大好書。
先說結論，最重要的一點就是要特別注意「機會成本」，每次消費是否真能提供益處，然後還要跟買其它的東西相較，本次花費是否真的帶來愉悅。
書中的前兩部分不直接說該怎麼做，而是給了很多為什麼花錯錢的例子，讓我們能夠自行覺察並做出改變。
第三部分提供一些具體的做法，有些是連想都沒有想過的妙招，可以融入日常生活，立即就能使用，例如光是在每個信封或帳户寫上小孩的姓名，就能夠讓我們減少花錢。 另外，一些重大決定的確值得花時間深思熟慮，像是買房、結婚，行動前一定要停下來，好好想一想。 至於投資組合裡面有什麼股票跟債券，最好買了就忘，就像死掉一樣不去理它，反倒能夠取得最佳績效。
- 綠角財經筆記: 不要在投資時追求夢想(When Investing, Don’t Chase Rainbows)
健康之道，其實很無趣。每天走一萬步或定期運動，多吃蔬果，少吃油鹽。就這樣而已，不是找到什麼神奇菜單。投資之道，其實一樣無趣。拉高儲蓄率、定期投入、執行一個適合自己的資產配置投資組合、注意投資成本、留意自己的負面投資行為。就這樣而已。 - 睡美人投資法則：「睡美人概念股＋台灣50＋美股ＥＴＦ」知名財經部落客教你如何三管齊下穩穩賺 作者： 張皓傑
- The Keys to Financial Success Are Incredibly Mundane (Sorry!)
Nurture Your Human Capital - 一個高中生的股票疑問 @ 不敗教主～理財不Buy
投資股票之前，還是要先為自己準備約半年的生活費，就算碰上金融風暴也還可以活下去，才不會被迫賣出好股票，只有不缺錢的人才可以作好股票投資 - 拒絕成為月光族！3 個心理學小訣竅，讓你不再多花錢 | 經理人
要解決花錢大於存錢的速度，不只是降低隨意消費的習慣，也能從增加存錢動力著手。而要增加動力，其實非常簡單：經常提醒自己就好。一張便條紙、一塊硬幣，或是手機每周一都自動的提醒，可以使我們經常注意、意識到存錢這件事情，促使我們展開行動。 - 人生如何不迷茫？衡量關鍵最重要 | OKRs
勇於嘗試、反饋修正、養好習慣 - 影響一輩子！10個讓生活變更好的習慣 | 艾爾文 - YouTube
1.固定的作息.準時起床、睡覺2.使用牙線3.每個月看一本書4.每個月從收入中存一點錢5.遵守約定.準時到達6.每天喝足夠的水7.練習用正面的角度解讀事情8.定期運動9.提早做計劃10.學會珍惜擁有的人與事 - 12招存錢法，挑一個最喜歡的開始存！ | 富朋友理財筆記
購物前先存下相同金額、消費金額換算成工作時數、使用現金消費的習慣 - Atomic Habits: An Easy and Proven Way to Build Good Habits and Break Bad Ones, James Clear - Amazon.com
This breakthrough book from James Clear is the most comprehensive guide on how to change your habits and get 1% better every day.
Chapter Summary
■■ Habits are the compound interest of self-improvement. Getting 1 percent better every day counts for a lot in the long-run.
■■ Habits are a double-edged sword. They can work for you or against you, which is why understanding the details is essential.
■■ Small changes often appear to make no difference until you cross a critical threshold. The most powerful outcomes of any compounding process are delayed. You need to be patient.
■■ An atomic habit is a little habit that is part of a larger system. Just as atoms are the building blocks of molecules, atomic habits are the building blocks of remarkable results.
■■ If you want better results, then forget about setting goals. Focus on your system instead.
■■ You do not rise to the level of your goals. You fall to the level of your systems.
■■ Habits are the compound interest of self-improvement. Getting 1 percent better every day counts for a lot in the long-run.
■■ Habits are a double-edged sword. They can work for you or against you, which is why understanding the details is essential.
■■ Small changes often appear to make no difference until you cross a critical threshold. The most powerful outcomes of any compounding process are delayed. You need to be patient.
■■ An atomic habit is a little habit that is part of a larger system. Just as atoms are the building blocks of molecules, atomic habits are the building blocks of remarkable results.
■■ If you want better results, then forget about setting goals. Focus on your system instead.
■■ You do not rise to the level of your goals. You fall to the level of your systems.
- Espresso Sierra, Taiwan: VTI、VGK、VPL、VWO、0050(指數化投資還是主動選股？)
- Espresso Sierra, Taiwan: 巴菲特2018致股東信讀後感：千萬不要借錢買股，除非......( Warren Buffett's Letters to Berkshire Shareholders)
- Espresso Sierra, Taiwan: 重大變革：TD Ameritrade 全數砍掉Vanguard 免手續費 ETF
- Espresso Sierra, Taiwan: All-market Index Funds to Buy and Hold "Forever"
- Espresso Sierra, Taiwan: 檢視券商對帳單，一年一次就夠了！(Vanguard's framework for constructing globally diversified portfolios)
- Espresso Sierra, Taiwan: 全市場ETF抑或偏重小型股與價值股？（綠角／怪老子 vs. 法馬／法蘭奇）
- Espresso Sierra, Taiwan: 堅定信心抱緊低成本全市場ETF，破解0050、價值股、小型股、存股派迷思<<The Little Book of Common Sense Investing>>
- Espresso Sierra, Taiwan: 2017美國IRS退稅實務：券商發的(Form 1042-S)、申請 ITIN 碼(Form W-7)、報稅年度(Form 1040NR)、中華民國護照基本資料頁影本與正本相符證明
- Espresso Sierra, Taiwan: 認識自己，隨遇而安，快樂取捨，了解越南。(Sống)
- Espresso Sierra, Taiwan: 過去績效不代表未來表現(Reframing investor choices: Right mindset, wrong market)