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cover of episode How to Climb The Wealth Ladder with a Personal Finance Expert

How to Climb The Wealth Ladder with a Personal Finance Expert

2025/7/4
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Morning Brew Daily
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Neil Freiman
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Nick Maggiuli
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Neil Freiman: 今天我们讨论关于美国梦的话题，一起攀登财富阶梯。这次对话完全改变了我对美国财富的看法，包括如何积累财富，以及如何避免浪费财富。 Nick Maggiuli: 我创建了财富阶梯的概念，旨在帮助人们改善财务状况。财富阶梯分为六个等级，每个等级的财富是前一个等级的十倍。根据财富来决定消费，比根据收入来决定消费更好。如果你已经很快乐，更多的钱可能会让你更快乐；但如果你不快乐，更多的钱也无济于事。拥有资产是财富的主要驱动力，但靠工资也能成为百万富翁。要记住自己来自哪里，以及自己真正重视什么。个人理财中最被低估的是增加收入，最被高估的是削减开支来积累财富。

Deep Dive

Chapters
Nick Maggiulli introduces his six-level wealth ladder, explaining how each level represents a 10x increase in net worth and the associated financial freedoms. He emphasizes spending based on wealth rather than income, using the "0.01% rule" to determine marginal spending.
  • Six levels of wealth ladder (10x increase each)
  • Spending based on wealth, not income
  • 0.01% rule for marginal spending

Shownotes Transcript

619: Happy 4th of July! On this special episode of Morning Brew Daily, author and personal finance expert Nick Maggiulli breaks down how to elevate yourself financially. He explains how his six levels of approaching your finances will elevate your life long-term, and more!

Get Nick's book, "The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life", out on July 22nd here)!

Head to https://www.tacobell.com/morning-brew to learn more about Taco Bell’s new Refrescas!

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