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cover of episode At The Money: The Art of Spending Money with Morgan Housel

At The Money: The Art of Spending Money with Morgan Housel

2025/5/22
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Masters in Business
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Barry Ritholtz
知名投资策略师和媒体人物，现任里特尔茨财富管理公司董事长和首席投资官。
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Morgan Housel
著名个人财务专家和行为金融学家，通过结合心理学和历史故事提供独特的财务见解。
Topics
Morgan Housel: 我认为“花钱的艺术”是主观的，因人而异。市面上关于投资和赚钱的讨论很多，但关于如何花钱的讨论却很少，因为人们普遍认为每个人都知道如何花钱。然而，花钱的心理远不止于此，它涉及到嫉妒、吸引注意力和模仿他人等深层机制，这些在金融领域往往被忽视。金融领域关注的是如何赚更多的钱，而忽略了如何使用这些钱。我希望通过这本书，能够帮助大家更好地理解花钱的艺术，从而做出更明智的消费决策。 Barry Ritholtz: 我认为花钱确实是一门艺术，需要我们深入思考。很多人认为花钱越多就越快乐，但实际上并非如此。我们需要考虑我们的价值观、目标和人际关系，才能找到真正能给我们带来幸福感的消费方式。同时，我们也需要警惕社会压力和攀比心理，避免为了炫耀而过度消费。只有当我们真正了解自己，才能做出最适合自己的消费选择。

Deep Dive

Chapters
This chapter explores the psychology of spending and questions if there's a science to it. It contrasts the abundance of advice on earning and investing with the scarcity of guidance on spending, highlighting the subjective and often contradictory nature of spending decisions.
  • The art of spending is subjective and varies from person to person.
  • Much more attention is given to investing and earning than to spending.
  • The psychology of spending involves envy, jealousy, attention-seeking, and copying others.

Shownotes Transcript

 Is there an art to spending your own money? We spend a lot of time discussing earning and investing money, but how often do we really think deeply about spending it? Morgan Housel, author of the best-selling “Psychology of Money” (8 million copies sold worldwide), is the author of a new book, “The Art of Spending Money, Simple Choices for a Richer Life.” It arrives in October. Each week, “At the Money” discusses an important topic in money management. From portfolio construction to taxes and cutting down on fees, join Barry Ritholtz to learn the best ways to put your money to work.

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