Money in Five

Dauphine
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《Money in Five》是我一边学习理财、一边读英文财经新闻时顺手做的播客。 每集 5 分钟，把复杂的财经内容讲得简单一点、轻松一点。 一起了解通胀、投资、资产配置、个人成长…… 让理财不再焦虑，也顺便提升一点英语听力。 Money in Five is a 5-minute finance podcast where I learn, read, and simplify global market news. Short, calm, and beginner-friendly — perfect for anyone who wants clear insights on inflation, investing, and personal finance, while improving English listening naturally.

  1. EP21 — The AI Career Shift: Which Skills Win, Which Skills Die

    FEB 11

    EP21 — The AI Career Shift: Which Skills Win, Which Skills Die

    📋 节目简介 (Description) The rules are changing. AI can now write code, design graphics, analyze data, and draft documents faster and cheaper than most professionals. So which careers survive? Which skills become worthless? And how do you position yourself on the winning side? This episode marks a new chapter in Money in Five — exploring how artificial intelligence is rewriting the economics of human labor. You'll learn why routine cognitive work is the new factory job, understand which uniquely human skills command premium pay in an AI world, and discover the career insurance strategy that protects you regardless of which jobs disappear. The past 20 episodes taught you how to invest money. Now we're talking about investing in yourself for an AI economy. 🎧 本集精华 (Key Takeaways): 认知工作的工业化 (Cognitive Work Industrialization)：理解AI正在对知识工作做当年机器对体力劳动做的事——标准化、自动化、价格暴跌，律师助理、初级程序员、数据分析师等岗位正在经历"去技能化"。 幸存技能的三大特征 (Three Traits of Surviving Skills)：掌握AI难以替代的能力——复杂判断（需要权衡模糊目标）、人际信任（客户要和真人建立关系）、创意综合（跨领域的原创性整合）。 技能半衰期加速 (Accelerating Skill Decay)：认识到以前一个技能能用20年，现在可能5年就过时——职业培训从"一次投资终身受益"变成"持续订阅模式"。 AI协作溢价 (AI Collaboration Premium)：学会新的价值公式——不是"人vs AI"而是"会用AI的人 vs 不会用的人"，掌握prompt工程、AI工作流的人薪资将大幅领先同行。 职业保险策略 (Career Insurance Strategy)：建立"技能组合"而非依赖单一职业——培养2-3个可变现技能领域，确保即使一个被AI摧毁，其他仍能支撑收入。 💡 核心词汇 (Vocabulary): Cognitive Automation: 认知自动化（AI对脑力劳动的自动化，类似工业革命对体力劳动的影响）。 Skill Half-Life: 技能半衰期（一项技能保持市场价值的时间长度）。 Deskilling: 去技能化（原本需要高技能的工作因技术进步变得简单化）。 AI Collaboration Premium: AI协作溢价（会使用AI工具的人相比不会用的人获得的薪资优势）。 Judgment Work: 判断型工作（需要在模糊情境下权衡多个目标的工作，AI难以完全替代）。 Portfolio Career: 组合职业（同时发展多个可变现技能领域以分散风险）。 Prompt Engineering: 提示工程（设计有效AI指令以获得期望输出的技能）。 Human-in-the-Loop: 人机协作模式（AI执行、人类监督和决策的工作方式）。

    5 min
  2. EP20 — The Final Mile: From Knowledge to Action

    FEB 10

    EP20 — The Final Mile: From Knowledge to Action

    📋 节目简介 (Description) You've learned about compound interest, asset allocation, rebalancing, fees, behavior traps, and the Rule of 72. You know what to do. So why haven't you done it yet? This final episode confronts the gap between knowing and doing — the inertia, perfectionism, and fear that keep people from taking the first step. You'll learn why imperfect action beats perfect planning, how to design systems that remove willpower from the equation, and discover the single most important financial decision you can make today. This isn't about learning more — you already know enough. It's about finally starting. Because the best investment strategy is worthless if you never implement it. 🎧 本集精华 (Key Takeaways): 知行差距 (The Knowledge-Action Gap)：认识财务领域最大的失败不是选错投资，而是根本不开始——99%的人知道应该做什么，但只有10%真正去做。 完美主义陷阱 (Perfectionism Paralysis)：理解为什么等待"完美时机"、"更多研究"、"足够资金"是拖延的伪装——市场永远波动、知识永远不够、钱永远不够多，开始永远不会"完美"。 系统设计胜过意志力 (Systems Beat Willpower)：学习通过自动化消除决策——设置自动转账、自动投资、自动再平衡，让正确行为成为默认选项而非需要坚持的选择。 最小可行行动 (Minimum Viable Action)：掌握"今天就能做"的第一步——开户、设置每月100元自动投资、选择一只指数基金，哪怕不完美，行动本身比完美计划更有价值。 时间成本的最后警告 (Final Warning on Time Cost)：用前19集的所有原理做最后提醒——你读完这个系列但不行动，等于什么都没学，而每多等一天，复利就少工作一天。 💡 核心词汇 (Vocabulary): Knowledge-Action Gap: 知行差距（知道该做什么但不去做的现象）。 Analysis Paralysis: 分析瘫痪（过度分析导致无法决策的状态）。 Perfectionism Trap: 完美主义陷阱（等待完美条件导致永不开始）。 Implementation Intention: 执行意图（具体的"何时何地做什么"计划）。 Automation: 自动化（将决策变为系统自动执行）。 Minimum Viable Action: 最小可行行动（能立即开始的最简单步骤）。 Commitment Device: 承诺机制（通过预先承诺强制未来行为的工具）。

    5 min
  3. EP19 — The 72 Rule: The Mental Math That Changes Everything

    FEB 7

    EP19 — The 72 Rule: The Mental Math That Changes Everything

    📋 节目简介 (Description) Want to know how long it takes your money to double? There's a simple trick that requires no calculator, no spreadsheet, just basic division. This episode reveals the Rule of 72 — the mental math shortcut that instantly shows you the power of different returns and the cost of different fees. You'll learn how to estimate doubling time in seconds, understand why a 2% fee difference matters enormously over decades, and see why 8% returns beat 6% returns by far more than you'd think. This isn't abstract theory — it's a practical tool you can use right now to evaluate any investment decision. Once you know the Rule of 72, you'll never look at returns the same way. 🎧 本集精华 (Key Takeaways): 72法则的运作原理 (How the Rule of 72 Works)：理解为什么用72除以年化回报率，就能快速估算资金翻倍所需年数——8%回报率需要9年翻倍(72÷8=9)，简单但精准。 回报率的指数差异 (Exponential Difference in Returns)：用72法则揭示——6%需要12年翻倍，8%只需9年，看似2%的小差距，实际意味着同样时间内你能多获得一次完整的翻倍周期。 费用的隐形成本 (Hidden Cost of Fees)：计算显示1%的基金费用不是"只损失1%"——它把你的8%回报降到7%，翻倍时间从9年延长到10.3年，30年后差距是巨大的。 通胀的真实影响 (Real Impact of Inflation)：学会用72法则快速评估通胀——3%通胀率意味着你的购买力每24年减半，让"存款保值"的幻想瞬间破灭。 逆向运用 (Reverse Application)：掌握倒推思维——想在15年内财富翻倍？需要约4.8%的回报率(72÷15)，立刻知道目标是否现实。 💡 核心词汇 (Vocabulary): Rule of 72: 72法则（估算投资翻倍时间的快速计算方法：72÷年化回报率=翻倍年数）。 Doubling Time: 翻倍时间（本金增长到两倍所需的时间）。 Compound Annual Growth Rate (CAGR): 复合年增长率（投资的年化回报率）。 Mental Math: 心算（不用工具的快速估算）。 Fee Drag: 费用拖累（投资费用对长期回报的累积侵蚀）。 Real Return: 实际回报率（扣除通胀后的真实收益率）。 Time Value Sensitivity: 时间价值敏感性（回报率的微小差异经过时间放大的效应）。

    5 min
  4. EP18 — The Comparison Trap: Why Keeping Up Kills Wealth

    FEB 2

    EP18 — The Comparison Trap: Why Keeping Up Kills Wealth

    📋 节目简介 (Description) Your neighbor buys a new car. Your colleague posts vacation photos from Bali. Your friend shows off their renovated kitchen. Suddenly your perfectly good life feels inadequate. This episode dissects the comparison trap — the psychological game where everyone's highlight reel becomes your baseline, pushing you into spending you can't afford to impress people you don't even like. You'll learn why social comparison is hardwired but financially toxic, understand the invisible gap between appearance and reality in others' finances, and discover the mental shift that lets you opt out of the wealth-destruction Olympics. This isn't about ignoring others — it's about measuring yourself against your own goals instead of their Instagram. 🎧 本集精华 (Key Takeaways): 对比心理的毒性 (Social Comparison Toxicity)：理解为什么人类天生会和他人比较，但这种本能在现代消费社会中会系统性地推动过度消费——你永远看不到别人的负债和压力，只看到光鲜表面。 高光卷轴vs真实生活 (Highlight Reel vs Reality)：揭示社交媒体扭曲——朋友晒的豪华旅行可能是刷爆信用卡的结果，邻居的新车可能是7年贷款，但你只看到消费不看到代价。 隐形百万富翁现象 (The Millionaire Next Door)：用研究数据说明真正的富人往往生活低调、开旧车、住老房子，而看起来富有的人往往是高收入低净值的"伪富人"。 参照系转换 (Reference Point Shift)：学习将成功标准从"超过别人"改为"实现自己的财务目标"——当你和自己比而不是和他人比时,消费冲动会大幅降低。 攀比的指数困境 (The Never-Ending Ladder)：认识到无论你爬到哪一层,总有人在更高处——这个游戏无法赢,唯一的赢法是退出比赛。 💡 核心词汇 (Vocabulary): Social Comparison: 社会比较（将自己与他人对比的心理倾向）。 Keeping Up with the Joneses: 攀比消费/与邻居竞赛（为了不输给周围人而过度消费的行为模式）。 Lifestyle Signaling: 生活方式信号（通过消费展示社会地位的行为）。 Stealth Wealth: 隐形财富（低调的真富人,外表看不出来的财富积累）。 Conspicuous Consumption: 炫耀性消费（为了展示地位而非实用的消费）。 Reference Point: 参照点（用于评判自己处境的对比标准）。 Zero-Sum Mindset: 零和思维（认为他人得到就是自己失去的竞争心态）。

    5 min
  5. EP17 — The Education Trap: When Degrees Become Debt Sentences

    JAN 25

    EP17 — The Education Trap: When Degrees Become Debt Sentences

    📋 节目简介 (Description)Education is an investment — but not all investments pay off. A medical degree might generate millions in lifetime earnings. An expensive liberal arts degree from a private university might leave you with crippling debt and barista wages. This episode breaks down the brutal economics of education ROI, revealing when borrowing for school makes sense and when it's financial suicide. You'll learn the simple income-to-debt ratio that determines if a degree is worth it, understand why prestige often matters less than people think, and discover alternative paths that deliver skills without six-figure debt. This isn't about devaluing education — it's about treating it like the major financial decision it is. 🎧 本集精华 (Key Takeaways): 教育投资回报率 (Education ROI)：理解为什么学位不是消费品而是投资——必须用"未来收入增量"除以"总成本"来评估，而不是凭感觉或声望选择。1倍收入法则 (1x Income Rule)：掌握简单判断标准——你的学生贷款总额不应超过毕业后第一年预期年薪，超过这个比例的债务很难偿还。声望vs实用的陷阱 (Prestige vs Pragmatism)：揭示残酷真相——雇主更关心你能做什么，而不是你的毕业证有多闪亮，除非你进入顶尖精英圈(如投行、咨询)，否则昂贵私校的溢价难以回本。技能优先路径 (Skills-First Alternatives)：探索高ROI的替代方案——职业教育、学徒制、在线认证、社区大学转学，在某些领域(如技术、设计)比传统四年制更快更便宜地获得市场价值。复利的反面 (Compound Interest in Reverse)：用数据说明6%学贷利率如何在20年内让10万本金滚成18万还款额，这些钱本可以用于投资复利增长。💡 核心词汇 (Vocabulary): Education ROI: 教育投资回报率（学位带来的终身收入增量与成本的比值）。Income-to-Debt Ratio: 收入债务比（学贷总额相对于年收入的比例，用于判断还款压力）。Signaling vs Skill Building: 信号传递vs技能培养（学历作为能力信号 vs 真正获得实用技能）。Credential Inflation: 学历通胀（越来越多岗位要求更高学历，但实际技能要求未变的现象）。Opportunity Cost: 机会成本（读书期间放弃的工作收入和投资时间）。Alternative Pathways: 替代路径（非传统学位的职业发展路线，如职业培训、学徒制）。Student Loan Burden: 学贷负担（毕业后因还贷压力影响财务自由和生活选择）。

    5 min
  6. EP16 — The Insurance Paradox: Protecting What Matters Without Overpaying

    JAN 21

    EP16 — The Insurance Paradox: Protecting What Matters Without Overpaying

    📋 节目简介 (Description)Insurance is the product you hope you never use but desperately need when disaster strikes. Yet most people either underinsure what matters or overinsure what doesn't, throwing away thousands on policies they'll never claim. This episode cuts through insurance industry jargon to reveal what you actually need versus what salespeople want to sell you. You'll learn the simple framework for deciding which risks to insure and which to self-insure, understand why life insurance for children is usually a waste but disability insurance is critical, and discover the hidden math that makes high-deductible plans smarter for most people. This isn't about buying all the insurance — it's about buying the right insurance. 🎧 本集精华 (Key Takeaways): 保险的核心原则 (Core Insurance Principle)：理解保险的唯一目的是转移你无法承受的灾难性风险，而不是覆盖小额可预测的支出——买保险是为了保护资产负债表，不是为了省小钱。四象限决策框架 (Four-Quadrant Framework)：学习用"概率×影响"矩阵判断——低概率高影响必须保(如房屋火灾)，高概率低影响自己承担(如手机屏幕险)，避免为小风险支付高溢价。必需vs过度保险 (Essential vs Over-Insurance)：掌握哪些是必需的——医疗险、重疾险、定期寿险(如有家庭依赖)、第三者责任险，而哪些通常是浪费——航班延误险、extended warranties、儿童寿险。高免赔额的数学优势 (High-Deductible Math)：理解为什么选择高免赔额+低保费通常更划算——省下的保费差额足以自建应急金，覆盖小额风险的同时保护大风险。收入保障的盲区 (Income Protection Blind Spot)：揭示最被忽视但最关键的保险——残疾/失能险，因为你失去工作能力的概率远高于死亡，但大多数人只买寿险不买失能险。💡 核心词汇 (Vocabulary): Catastrophic Risk: 灾难性风险（可能摧毁财务状况的低概率高影响事件）。Self-Insurance: 自保（通过储蓄承担小额风险，而非购买保险）。Deductible: 免赔额/自付额（保险赔付前需自己承担的金额）。Premium: 保费（为保险保障支付的定期费用）。Term Life Insurance: 定期寿险（固定期限的纯保障型寿险，无投资成分）。Disability Insurance: 残疾险/失能险（因疾病或伤害失去工作能力时的收入替代保险）。Liability Coverage: 第三者责任险（因你的过失造成他人损失时的赔偿保险）。Extended Warranty: 延长保修（商家销售的额外保障计划，通常不划算）。

    5 min
  7. EP15 — The Time Machine: Why Starting Young Beats Saving More

    JAN 18

    EP15 — The Time Machine: Why Starting Young Beats Saving More

    📋 节目简介 (Description)Two investors. One starts at 25 and invests five thousand per year for 10 years, then stops. The other waits until 35, then invests five thousand per year for 30 years. Who ends up richer? The answer will shock you. This episode reveals why time in the market beats timing the market and saving more, demonstrating the explosive power of starting early even with small amounts. You'll learn why your 20s are worth more than your 40s in investing terms, understand the decade-by-decade breakdown of compound interest acceleration, and discover why waiting "until you have more money" is the most expensive mistake you can make. This isn't about being perfect — it's about being early. 🎧 本集精华 (Key Takeaways): 时间价值的指数差异 (The Exponential Value of Time)：理解为什么25岁投入的1万元，到65岁可能增长到21万，但35岁投入的同样1万只能增长到10万——早10年，价值翻倍。早起者vs晚到者对决 (Early Starter vs Late Saver)：用经典案例说明——25岁投10年共5万本金的人，最终比35岁投30年共15万本金的人更富有，少投入2/3却赢得更多。复利的后半段爆发 (The Back-End Explosion)：揭示复利曲线的真相——前20年缓慢积累，后10年指数级爆炸，但这一切的前提是你在前20年就开始了。"等我有钱再投资"的陷阱 (The "Wait Until" Trap)：拆解最常见的拖延借口——等加薪、等还完债、等稳定，每一个"等"都在偷走你最宝贵的资源：时间。不完美行动胜过完美等待 (Imperfect Action Beats Perfect Waiting)：证明每月哪怕只投500元并坚持，也远好于"等存够大笔钱再一次性投入"的幻想。💡 核心词汇 (Vocabulary): Time in the Market: 市场时间/持有时长（投资持续时间的长度，区别于择时交易）。Early Bird Advantage: 早起者优势（提早开始投资带来的指数级回报优势）。Opportunity Cost of Delay: 延迟的机会成本（推迟投资所放弃的未来复利收益）。Compound Acceleration: 复利加速（投资后期复利效应的指数级增长现象）。Critical Decade: 关键十年（20多岁这个对财富积累影响最大的时期）。Perfect Waiting Fallacy: 完美等待谬误（等待"完美时机"导致永远不开始的心理陷阱）。Small Start Principle: 小额起步原则（用微小金额立即开始，而非等待大额资金）。

    5 min
  8. EP14 — The FOMO Trap: Why Chasing Hot Investments Always Burns You

    JAN 14

    EP14 — The FOMO Trap: Why Chasing Hot Investments Always Burns You

    📋 节目简介 (Description)Your coworker made 300% on cryptocurrency. Your friend got rich flipping houses. Everyone seems to be making money except you. So you jump in — right before the crash. This episode dissects FOMO investing, the emotional trap that turns ordinary people into bag holders. You'll learn why hot investments are hot precisely because you heard about them too late, understand the difference between investing and speculation, and discover why boring index funds outperform excitement over decades. This isn't about never taking risks — it's about recognizing when you're investing based on fear rather than fundamentals. 🎧 本集精华 (Key Takeaways): FOMO的本质 (The Nature of FOMO)：理解为什么"错失恐惧症"会系统性地让你在高点买入——当一个投资热到你朋友都在谈论时，聪明钱早已离场。投资vs投机 (Investing vs Speculation)：掌握核心区别——投资是基于资产长期价值，投机是押注短期价格波动，混淆两者会让你在游戏中扮演输家角色。信息不对称陷阱 (Information Asymmetry Trap)：认识到当你从社交媒体或朋友处听说"暴富机会"时，你是信息链的最末端，专业玩家早已获利了结。幸存者偏差 (Survivorship Bias)：揭穿"我朋友赚了300%"的错觉——你没看到99个亏损的人，只看到1个赚钱的，这扭曲了真实成功率。无聊的力量 (The Power of Boring)：用数据证明过去50年里，无聊的指数基金跑赢了95%的主动选股和热门投资，稳定胜过刺激。💡 核心词汇 (Vocabulary): FOMO (Fear of Missing Out): 错失恐惧症（因害怕错过机会而冲动投资的心理状态）。Bag Holder: 接盘侠（在高点买入、被套牢的投资者）。Hot Money: 热钱（追逐短期高回报、快速流动的投机资金）。Speculation vs Investment: 投机vs投资（基于价格波动的赌博 vs 基于内在价值的长期持有）。Survivorship Bias: 幸存者偏差（只看到成功案例、忽略失败案例的认知错误）。Information Asymmetry: 信息不对称（不同参与者掌握信息的质量和时间差异）。Greater Fool Theory: 博傻理论（买入高价资产期待有更傻的人接盘的投机逻辑）。

    5 min
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《Money in Five》是我一边学习理财、一边读英文财经新闻时顺手做的播客。 每集 5 分钟，把复杂的财经内容讲得简单一点、轻松一点。 一起了解通胀、投资、资产配置、个人成长…… 让理财不再焦虑，也顺便提升一点英语听力。 Money in Five is a 5-minute finance podcast where I learn, read, and simplify global market news. Short, calm, and beginner-friendly — perfect for anyone who wants clear insights on inflation, investing, and personal finance, while improving English listening naturally.

Information

  • Creator
    Dauphine
  • Years Active
    2025 - 2026
  • Episodes
    21
  • Rating
    Clean
  • Copyright
    © Dauphine
  • Show Website
    Money in Five