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觀察到現下年輕小資族視理財為惡水，不是多抗拒排斥，就是深受捉襟見肘的財務所苦，理財作家施昇輝認為，理財其實可以不燒腦，建議月領30K的小資族，月存六千累積投資資本，食衣住行育樂也都有比例劃分，「食」一餐不超過100元，一個月有6000元可運用，「衣」則是以一年36000元作為預算，趁打折時添購一年所需，儲蓄和開銷有明確分配後，再享受有節制的小確幸，施昇輝說：「年終、加薪或兼差獎金都能挪用為小確幸基金。」
努力存到100萬之後，施昇輝鼓勵小資族買房，「第一棟房子買得起最重要，無須看重地點，第一棟房子拿來住，第二棟才做為投資賺錢，況且老了之後可能會遇上無房可租的窘境，人生有安全感最重要。」早已盤腿樂坐浮雲的施昇輝，仍不忘叮嚀年輕小資一輩，「工作是正餐，投資是附餐，藉由好的理財方法解決錢的困擾，就有更多時間處理學業、家庭、工作方面的煩惱，甚至是實現夢想！」
擁有15年證券業實務歷練的施昇輝，於2012年推出處女作《只買一支股，勝過18%》一書，獲得市場熱烈好評，接連出版幾本理財書反覆傳授簡單投資心法，斬斷複雜難解理論，「符合實際生活，保證看得懂！」是讀者最常見的反饋，施昇輝確實走出理財迷霧成為粉絲的投資新偶像。
「藉由理財可以提升生活品質，但切勿視為提早讓財務自由的方法。」施昇輝思忖一番後，如此定義了理財與人生的關係，他並補充：「現今社會人人都有可能活到100歲，有準備的長壽是福氣，沒準備的長壽則像詛咒。」奉勸活在歲月安穩中的你我，步入老年後想過得自在沒煩惱，除了努力工作之外，還是得要做點投資。
Manage Your Finances to Live Life to its Fullest
An Interview with Financial Writer Shi Shenghui
Many young professionals today view financial management and investments as a murky, high risk endeavor which can leave you cash strapped. Financial writer Shi Shenghui, however, believes that financial investments are nothing to be afraid of, even for those earning NT 30K/month. He states that at this salary one can save 6K per month and put it towards sound investments. By dividing food, clothing, and entertainment into a balanced budget, even 30K earners can give themselves a financial cushion. The author stipulates that meals should not cost more than NT100 (leaving NT 6000 for food a month). Clothing should be budgeted at NT 36,000 per year. Clothes, Shi Shenghui continues, should be bought all at once during discounts season. "Year-end, salary increase or bonuses should be put aside for a rainy day," says Shi.
After saving NT1 million, Shi Shenghui encourages young professionals to buy a home. "The first house is the most important. You don't have to worry about the location. The first house is to be lived in. The second house is an investment. Housing is an important financial component; when you’re old you don’t want to be searching for a place to stay. A sense of security in life is of the utmost importance." While Shi has already reaped the benefits of financial management, he still keeps young professionals in mind. "Work is for eating today, an investment is a meal for a later day,” he states. “With good financial management and stability there is more time to deal with academic ambitions, as well as family and work issues. There is even time to realize dreams!"
With 15 years of experience in the securities industry, Shi Shenghui published his first book "Buy One Stock, Earn Over 18%", in 2012. The book earned both critical acclaim and a big readership. Shi Shenghui has however rejected the notion of being a financial guru. He has since published several books on finances, passing on simple investment methods and advice as opposed to complex and difficult financial theory. His books are described by readers as "consistent with real life, ensuring that you can understand how to manage finances.”
"By managing money, we can improve our quality of life, but we shouldn’t jump ahead of ourselves and buy into the notion of total financial freedom," says Shi. After some thought, Shi related financial management with life, saying "In today's society, everyone can live to be 100. This longevity of life can be a blessing to those who are financially prepared and a curse to those who aren’t." We need stability when entering old age, not financial troubles. So, in addition to hard work, we all need some investments in our back pocket.
觀察到現下年輕小資族視理財為惡水，不是多抗拒排斥，就是深受捉襟見肘的財務所苦，理財作家施昇輝認為，理財其實可以不燒腦，建議月領30K的小資族，月存六千累積投資資本，食衣住行育樂也都有比例劃分，「食」一餐不超過100元，一個月有6000元可運用，「衣」則是以一年36000元作為預算，趁打折時添購一年所需，儲蓄和開銷有明確分配後，再享受有節制的小確幸，施昇輝說：「年終、加薪或兼差獎金都能挪用為小確幸基金。」
努力存到100萬之後，施昇輝鼓勵小資族買房，「第一棟房子買得起最重要，無須看重地點，第一棟房子拿來住，第二...
目錄
特別專欄／
7 給強者的話
A Word for Those in Power
封面故事／
12 好好理財，才能好好生活
Manage Your Finances to Live Life to its Fullest
15 花錢花得有計畫，存錢存的很甘願！
Have a Plan When Spending Money and Be Willing to Save It!
名家專欄／
20 為什麼老闆對我這麼差，我還幫他說話？
Why Do I Bother Defending My Boss?
人間亮點／
24 無家是一種狀態，而不是一種身分
Being Homeless is a Condition, Not an Identity.
編輯時事精選／
26 全球外派薪資排行
Mumbai Tops the Global Ranking for Expat Earnings: HSBC Survey
28 30歲之前要養成的習慣
The Habits to Master Before Turning 30
30 老闆升我當主管，該接受嗎？
Should I Accept a Promotion
32 日超商禁色情 東奧前衝形象
No More Pornographic Magazines!
34 潛在用戶上看九億 科技巨頭搶攻印度
The Next Frontier in the Internet Race
36 NIKE實現「回到未來」 自動綁鞋帶球鞋
Nike Unveils New Self-lacing Shoes
38 回收女性勞動力 幫助家庭婦女重返職場
Trial Program Established to Help Stay-at-home Women Return to the Workplace
40 基因決定你是「晨型人」 朝九晚五超理想？
Early Bird or Night Owl It May Be in Your Genes
特別專欄／
7 給強者的話
A Word for Those in Power
封面故事／
12 好好理財，才能好好生活
Manage Your Finances to Live Life to its Fullest
15 花錢花得有計畫，存錢存的很甘願！
Have a Plan When Spending Money and Be Willing to Save It!
名家專欄／
20 為什麼老闆對我這麼差，我還幫他說話？
Why Do I Bother Defending My Boss?
人間亮點／
24 無家是一種狀態，而不是一種身分
Being Homeless is a Condition, Not an Identity.
編輯時事精選／
26 全球外派薪資排行
Mumbai Top...
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