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Climbing the Wealth Ladder with Nick Maggiulli

2025/6/18

Money For the Rest of Us

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Nick Maggiulli

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Nick Maggiulli: 我的书《财富阶梯》提出了一个框架，即你的财务策略应该随着你财富的积累而改变。财富阶梯有六个不同的等级，这些等级是基于净资产来划分的。第一级是净资产低于1万美元，第二级是1万到10万美元，第三级是10万到100万美元，第四级是100万到1000万美元，第五级是1000万到1亿美元，第六级是超过1亿美元。0.01%的支出规则是指你可以每天花费相当于你净资产的0.01%的钱，而不会影响你的长期财富。这个规则基于一个保守的假设，即你的财富每年可以产生3.7%的回报。边际支出应该由你的财富来决定，财富阶梯的每个级别都有相应的支出自由度。当你进入一个新的财富等级时，这只是该等级自由的开始。预算对于任何人都很重要。

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How our spending, investing, and life strategy change as our net worth grows. We consider how skill, luck, discipline, relationships, and AI can allow us to ascend and, in some cases, descend the wealth ladder.

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Show Notes

Of Dollars and Data - Nick Maggiulli)

The Wealth Ladder by Nick Maggiulli)

Ritzholz Wealth Management)