金钱心理学22 从0首付，到130%负债率

追溯今日消费焦虑的历史基因。从1945年战后政策恐慌、0.38%超低利率7年、退伍军人零首付买房，到1950-70年代"虚假平等"的黄金时代；从1973年利率飙升、财富分化（顶层1%收入增长86% vs 底层99%仅6.6%），到2007年家庭债务占收入130%的明斯基时刻。揭示量化宽松如何加剧不平等，以及社交媒体如何放大"1950年代平等幻觉"与现实的撕裂。终极追问：你的消费标尺是否是上个时代留下的虚假幻觉？

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金钱心理学22 从0首付，到130%负债率

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