拖拖拉拉，终于读完第五本了。
The Simple Path to Wealth by JL Collins
这是一本读了很久都没有进度的书，大概是内容有些熟悉，就是标题说的。对年轻人比较有用。对接近退休的，可以直接看第三部分，别掉坑。根据人生的阶段，主要有三个问题：
财富积累
This stage is early in your life. Basic principle:
1. avoid debt
2. spend less than you earned.
3. invest the rest
投资
This stage, you grow your fortune by investing with simple options:
1. stock. On stock, buy Vanguard index fund.
2. bond
3. cash
There are retirement accounts to consider such as IRAs, TSP, 401k/403b, HSA
退休
1. How to draw money from retirement account to optimize tax.
Your life span, your income level, etc.
2. RMD. You want to avoid too late withdraw as government can take up to 50% of your money
3. strategy between husband and wife. If you are the higher earner with less expected lifespan, withdraw late and your spouse can inherit your higher pay check.
挺好的一本财普书
mmking 写了： 2025年 2月 21日 22:36 2025 4 月读书笔记
说是4月，就是本年度第四本书了
Assertiveness Training by Chase Hill
这本书建议所有I人或感觉自己在组织中受压制的人去读，肯定会让你有收获。而且可以反复读加深记忆。
主要讲了aggressive，assertive，和passive的人际交往中，如何assertive：
1.克服assertive的心理障碍，为自己发声，给他人respect
2. self-care，谢绝negative self talk，find your interest, challenge your self with new hobbies.
3. Mindful of emotion when handling different situations.
4. Speaking and listening skills
5. Resolving conflicts in a healthy way allows all types of relationship to florish.
作者的6句概括：
1. Learn more about who you are and what you want
2. Know your boundaries
3. Don't fell you have to justify your answers
4. Keep your no's short, simple and clear
5. Take responsibility for your actions and your emotions
6. Love yourself
