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拉米特?塞希:新新人類(lèi)的理財(cái)導(dǎo)師(節(jié)選)
 作者: Mina Kimes    時(shí)間: 2011年12月16日    來(lái)源: 財(cái)富中文網(wǎng)
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他是最受Y世代追捧的私人理財(cái)顧問(wèn)。他的理財(cái)觀點(diǎn)是:僅僅有動(dòng)機(jī)是不夠的。建立自己的體系,并保持克制。
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????不久前的一個(gè)下午,在曼哈頓市中心一家東南亞餐廳里,我見(jiàn)到了備受推崇的私人理財(cái)大師拉米特?塞希。采訪進(jìn)行得并不順利。29歲的塞希是一位莫測(cè)高深的印度裔美國(guó)人。他不茍言笑。眉毛濃密且向鼻梁傾斜,給人一種嚴(yán)峻之感。在品嘗蔬菜咖喱的間隙,我問(wèn)起他童年的事情,他說(shuō)自己已經(jīng)記得不多了。當(dāng)我問(wèn)及他的愛(ài)好和愿望時(shí),他根本就不予理睬。直到吃完飯,我伸手去拿借記卡準(zhǔn)備結(jié)賬時(shí),他的眼睛才突然閃亮起來(lái)。

????“給我看看!”他指著我的錢(qián)包咆哮道。當(dāng)塞希瞅見(jiàn)從皮夾中露出的美國(guó)銀行(Bank of America)標(biāo)識(shí)時(shí),他揮動(dòng)了一下雙手,表現(xiàn)出一副極其震驚的樣子。“天啊!”他說(shuō)。

????我心里直犯怵。這張借記卡提供的回報(bào)極其微薄。它掛靠在一個(gè)要求存儲(chǔ)最低余額的支票賬戶(hù)上面,這筆錢(qián)不僅不能動(dòng),而且利息也低得可憐。這家銀行最近正威脅說(shuō)要收取每月5美元的費(fèi)用。就在我猛拽回錢(qián)包那一剎那,塞希得意地大笑起來(lái)。

????我早該料到這一幕。拉米特?塞希是私人理財(cái)領(lǐng)域的“淘氣鬼”。2004年,當(dāng)時(shí)還在斯坦福大學(xué)(Stanford)讀本科的塞希開(kāi)辦了他的個(gè)人網(wǎng)站“我可以讓你富”(iwillteachyoutoberich.com)。自那以后,他就擁有了一群忠實(shí)的信徒。這家網(wǎng)站的訂閱用戶(hù)接近20萬(wàn)人。他寫(xiě)了一本也叫做《我可以讓你富》(I Will Teach You To Be Rich)的著作。這本書(shū)在上市當(dāng)天就飆升至亞馬遜網(wǎng)站(Amazon)暢銷(xiāo)書(shū)排行榜的首位。塞希還開(kāi)辦了學(xué)費(fèi)逾1,000美元的網(wǎng)上課程,這一課程為他每年帶來(lái)100多萬(wàn)美元的收入。

????塞西的理財(cái)建議也稱(chēng)不上超凡脫俗:他希望年輕人削減債務(wù),盡早為退休投資,并提高自身的掙錢(qián)能力。他的與眾不同之處在于其咨詢(xún)方式。跟自助行業(yè)的大多數(shù)咨詢(xún)師不同的是,塞西從不提供模棱兩可的主張,而青睞于具體的指導(dǎo)。他的理財(cái)秘訣建立在仔細(xì)測(cè)試的基礎(chǔ)之上,并結(jié)合了他對(duì)神秘莫測(cè)的人類(lèi)行為的觀察思考。他的技術(shù)風(fēng)格跟蒂姆?費(fèi)里斯有類(lèi)似之處,后者著有紅極一時(shí)的生產(chǎn)力指導(dǎo)類(lèi)書(shū)籍:《每周工作4小時(shí)》(The 4-Hour Workweek)。跟費(fèi)里斯一樣,塞西擅于提供一些非常簡(jiǎn)單、讀者可應(yīng)用在日常生活的理財(cái)妙計(jì)(熱衷提高自身生產(chǎn)力的人群稱(chēng)之為“黑客秘笈”)。

????塞西和費(fèi)里斯是很好的朋友。“極少數(shù)人非常善于分析和嘗試,結(jié)果無(wú)意之中打造出了自己的個(gè)人品牌,”費(fèi)里斯說(shuō)。“拉米特就是其中之一。”

????然而,在我用那張受盡嘲笑的借記卡支付了餐費(fèi)之后,我突然發(fā)現(xiàn)自己實(shí)在搞不懂塞西為何如此受歡迎。說(shuō)他是大師吧,他又不算很有魅力:他態(tài)度冷漠,不具備親和力,看起來(lái)更像是一位工頭,而不是一位聲名顯赫的導(dǎo)師。

????但這或許正是他的讀者(主要是二十來(lái)歲,三十出頭的千禧一代)崇拜他的原因。這代人受夠了老一輩的所謂理財(cái)專(zhuān)家,他們年紀(jì)差不多是自己的兩倍,總拿年輕一代當(dāng)小孩子一樣哄著。26歲的程序員馬克斯?康托說(shuō),他特別欽佩這位博主待人冷漠這一點(diǎn)。這位來(lái)自克利夫蘭的小伙子曾經(jīng)給塞西發(fā)過(guò)一個(gè)電子郵件,想請(qǐng)教一個(gè)問(wèn)題。結(jié)果,他后來(lái)竟然發(fā)現(xiàn),他提的這個(gè)問(wèn)題出現(xiàn)在了“我可以讓你富”網(wǎng)站的推送內(nèi)容上,成了塞西冷嘲熱諷的對(duì)象。“他挺操蛋的,對(duì)吧?”康托笑著說(shuō)。

????點(diǎn)擊閱讀英文全文>>>

????譯者:任文科

????On a recent afternoon I met with Ramit Sethi, a popular personal finance guru, at a Southeast Asian restaurant in downtown Manhattan. The interview wasn't going well. Sethi, who is 29 years old and Indian American, is inscrutable. He doesn't smile often. His eyebrows, thick and slanted down toward the bridge of his nose, give him a stern look. Over vegetable curry I asked him about his childhood, and he told me that he didn't remember much. He shrugged off my questions about his hobbies and his aspirations. It wasn't until the end of our lunch, when I reached for my debit card, that his eyes lit up.

????"Show me!" he barked, pointing at my wallet. When he spotted the Bank of America (BAC) logo peeking out of the billfold, he threw up his hands, appalled. "Oh, my God," he said.

????I cringed. The debit card offers meager rewards. It is linked to a checking account that requires a minimum balance, locking up my money for a paltry interest rate. The bank was threatening at the time to slap me with a $5 monthly fee. As I yanked my wallet back, Sethi laughed with delight.

????I should have seen it coming. Ramit Sethi is the enfant terrible of the personal finance world. Since starting his website, iwillteachyoutoberich.com, in 2004 as a Stanford undergrad, he has built a cult following. Nearly 200,000 people subscribe to his newsfeed. His book, also called I Will Teach You to Be Rich, rocketed to No. 1 on Amazon the day it came out. He sells online courses that cost upward of $1,000 and pulls in more than $1 million a year.

????Sethi's advice isn't terribly unusual: He wants young people to slash their debt, invest for retirement, and increase their earning power. It's his approach that makes him different. Unlike most people in the self-help business, Sethi eschews fuzzy affirmations in favor of specific directives. His tips are based on careful testing and paired with musings on the mysteries of human behavior. His technocratic style is similar to that of Tim Ferriss, author of the smash hit productivity guide The 4-Hour Workweek. Like Ferriss, Sethi specializes in coming up with simple tweaks -- or hacks, as productivity junkies call them -- that his readers can apply to their lives.

????Sethi and Ferriss are good friends. "There are a handful of people who are very analytical and good at testing and have, almost as a side effect, built these personal brands," says Ferriss. "Ramit is one."

????And yet, after I paid for my lunch with my scorned debit card, I found myself puzzled by Sethi's popularity. For a guru, he isn't very charismatic: He is distant, not warm, and comes across as more taskmaster than mentor.

????But that may be why his readers, chiefly Millennials in their twenties and early thirties, adore him. They say they are tired of being pandered to by experts twice their age. Max Cantor, a 26-year-old programmer from Cleveland, says he admires the blogger's willingness to alienate people. Cantor once e-mailed Sethi a question, only to see his query appear in an I Will Teach You to Be Rich newsletter as the subject of mockery. "He's kind of a dick, right?" Cantor says with a laugh.







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最佳評(píng)論

@關(guān)子臨: 自信也許會(huì)壓倒聰明,演技的好壞也許會(huì)壓倒腦力的強(qiáng)弱,好領(lǐng)導(dǎo)就是循循善誘的人,不獨(dú)裁,而有見(jiàn)地,能讓人心悅誠(chéng)服。    參加討論>>
@DuoDuopa:彼得原理,是美國(guó)學(xué)者勞倫斯彼得在對(duì)組織中人員晉升的相關(guān)現(xiàn)象研究后得出的一個(gè)結(jié)論:在各種組織中,由于習(xí)慣于對(duì)在某個(gè)等級(jí)上稱(chēng)職的人員進(jìn)行晉升提拔,因而雇員總是趨向于晉升到其不稱(chēng)職的地位。    參加討論>>
@Bruce的森林:正念,應(yīng)該可以解釋為專(zhuān)注當(dāng)下的事情,而不去想過(guò)去這件事是怎么做的,這件事將來(lái)會(huì)怎樣。一方面,這種理念可以幫助員工排除雜念,把注意力集中在工作本身,減少壓力,提高創(chuàng)造力。另一方面,這不失為提高員工工作效率的好方法。可能后者是各大BOSS們更看重的吧。    參加討論>>


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