金钱心理学20 理财是修行，不是算术

以1931年牙医拔掉16颗牙还切扁桃体的医疗事故开篇，映射"通用理财建议"的危险性。提炼豪泽尔理财哲学的核心：向内看（控制虚荣、敬畏运气风险）与向外看（尊重时间复利、明确自己的游戏）。关键概念：安稳睡眠测试、豪车悖论、潜水艇冗余设计、无目的储蓄、时间掌控权。终极洞察：理财是修行而非算术，高度优化的系统往往最脆弱，保留"不理性冗余"才是最理性的生存之道。

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金钱心理学20 理财是修行，不是算术

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