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如何才能脱离贫穷
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最近有朋友问我一个问题，如何才能脱离贫穷？
很遗憾，我也不知道，因为我就是贫穷本人。
虽然我不知道怎么脱离贫穷，但是我知道，我是如何变穷的。
这很关键。
因为如果我知道是什么东西让我变穷的，那我就可以绕开那些东西，从而降低变穷的几率。哇塞，我好机智！
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嗯，变穷的原因主要有四个方面：
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大病一场
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2
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突然失业
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3
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无脑花钱
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4
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投资亏钱
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下面针对这四个方面进行分析，各个击破~~
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PK
问题一&问题二
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关于第一个和第二个问题，大病一场和突然失业，很简单就可以绕开 ——
买保险可以解决一部分关于钱的问题，但主要还是靠自己注意保持身体和头脑的积极向上，那都是钱买不来的。
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PK
问题三
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关于第三个问题，无脑花钱，我深有感触，每个月发的工资到月底所剩无几，回过头来看却根本不知道自己的钱花到哪儿了。
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对于这个问题，也很好解决。
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第一步，记账
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记下来自己的每一笔开销，记账这件小事每天只会占用你几秒钟的时间，下载一个记账APP，随手就可以记录开支。
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第二步，设定预算
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通过记账了解自己当前的消费节奏，在这个基础之上对每月开支进行优化，消灭掉那些拿铁因子，设定自己合理的每月预算。
拿铁因子是指不必要的频繁的微小开销，虽然不起眼，但日积月累会造成很大的浪费。
例如，通过记账发现自己每个月平均消费大约是5000，消灭掉拿铁因子之后发现4500基本可以cover每月开销。建议把这个预算先设定为4800，一开始把目标定得松一点，达标几次之后可以向着4500收紧下，一口吃不成个胖子，一下子也攒不下一百万，所以，慢慢来呗~
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第三步，强制储蓄
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强制储蓄是在发下工资那一刻，强行存起来一部分钱。
每月预算设定好之后，就可以设定每个月的强制储蓄额度了。用每个月收入减去每月预算，就是强制储蓄额度，例如每月收入10000，减去每月预算4800，那么每月强制储蓄额度就是5200。
关于强制储蓄还有个问题：钱存到哪儿？
首先，不要存在余额宝里，老有一块蛋糕在面前晃，你能不吃么？其次不要存在银行卡里，银行那个活期收益还不够抵抗通货膨胀呢。
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所以要存在自己基本看不见的，同时收益还不错的地方。
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两个推荐
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网商银行的余利宝——应急账户
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余利宝跟余额宝一样是货币基金，是阿里主要面向淘宝商户推出的。
货币基金可以简单理解为，阿里粑粑把一大笔钱放在银行做定期，有4个百分点收益，然后拆分卖给我们，给我们3.8个百分点收益，然后他就可以赚0.2个百分点的利差。
这里的数字纯属瞎编，仅供参考，而且为便于理解这里没有区分年化利率和7日年化利率。某某宝给的都是七日年化收益，七日年化收益是假定一年之内收益率和过去七天一样的前提下的一个预测值，这个预测值严格来说是没办法跟银行的定期存款利率比较的，投资决策中注意区分哦。
货币基金的特点就是：相对比较安全，流动性高，随用随取，是存储应急资金的最佳位置。
之所以推荐余利宝，是因为余利宝里的钱不可以直接消费，从而防止我们随意剁手。而且余利宝收益比余额宝要高那么一丢丢，并且没有提现的额度限制。而
余额宝有终身2万的提现额度限制，超过2万要收取0.1%的服务费。
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基金定投——养鹅账户
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余利宝可以攒一笔资金长期留存在里面，作为自己的应急资金，一般是三个月生活费的资金量。
应急资金账户充盈后，我们的资金流动性就有了保证，这个时候，我们就可以用每月的强制储蓄做定投啦，这个就是养鹅账户。热烈推荐指数定投，可以阅读《指数基金投资指南》这本书进行学习。
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到这里，无脑花钱的问题总算解决了，我们对财务也有了明确的规划：**通过记账估计预算，在保证日常预算的前提下做强制储蓄，为自己准备应急资金账户来保证资金流动性，同时准备养鹅账户来专心养一只大金鹅
~~**
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PK
问题四
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最后，来看第四个变穷的原因，投资亏钱。
很多经历股灾的盆友会深有感触，关于股市，总是姚明进潘长江出，逃不过被收割的命运，躲不过吃土的人生。
其实投资亏钱的本质原因是投资体系太脆弱，说人话就是把所有鸡蛋都放在了同一个篮子里。
所以，解决第四个问题的办法就是，不要把鸡蛋放在同一个篮子里，即在投资的时候要构建合理的资产配置策略。
在说资产配置之前，首先要接受几个关于投资的事实，这很关键：
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任何投资品都是有风险的，合理的资产配置可以一定程度上分散风险，但无法彻底消除风险。
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风险高并不意味着收益高，而是意味着波动大。
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做投资不需要聪明，但需要严格自律。
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那资产配置策略说起来也很简单，即：分散投资不相关产品，定期调平资产配比。
我们都知道要把鸡蛋分散放在几个不同的篮子里，但什么样的篮子才算是不同的篮子？买了几只不同的股票就比买一只股票的风险低吗？
不是的。
分散投资的关键在于不相关。两种产品没有相关性的时候，才是两个不同的篮子。现实中数学上完全不相关的投资品几乎不存在，我们只要投资相关性较小的产品就可以了。
例如，股票和债券是两种几乎不相关的产品，国内股票和国外股票，以及大盘股票和小盘股票都可以近似看做是几乎不相关的投资产品。
如果两种投资品有着相似的长期收益和风险，并且不是完全相关，那投资于这两种资产的固定比例、定期调平的投资组合可以降低风险、增加收益。
降低风险是因为两种资产不是完全相关的，因为一种资产表现差可能伴随着另一种资产表现好，从而可能减轻损失；增加收益是因为，在一种资产表现差而另一种资产表现好的时候，定期调平规则迫使我们定期卖出一些表现好的资产，买进一些表现差的资产，使两种资产维持原始比例，这就是无形中完成了低买高卖的投资过程，从而培养低买高卖的投资习惯，这种逆势而动的好习惯可以帮助我们增加实现超额收益的可能性。
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**那么各个投资品之间的比例如何确定呢？ **
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关于比例设定
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如果两种资产完全不相关，且拥有相似的收益和风险，最合适的比例是50%+50%。
但完全不相关的资产几乎不存在，而且完美比例的资产配置很难达到，我们现实的资产配置和完美比例相比总有误差。
不过最重要的不是减小这个误差，而是坚持属于自己的资产配置策略。“固定比例，定期调平”，比挑选“最好”的配置策略要重要很多。
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**那么多久进行一次定期调平呢？ **
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关于定期调平
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调平最好的时间点是资产的平均自相关性小于或者等于0的时候。在现实中，这意味着每年最多调平一次。
每年年末，我们要将投资组合的配置比例调回到初始比例。也就是卖出一些表现好的资产，买进一些表现差的资产。但这不是一件容易的事，这个过程需要严格的自律，因为我们的行为可能与市场上大多数人甚至专业投资人的观点背道而驰。
但是每个人都知道的事情，是不值得知道的。没有人能够完全做好市场的实际选择，包括专业投资经理，他们的那种说不清楚但是很像技能的选股策略，其实有很大的机会性质在里面。
你要记住你的目标是建立长期投资策略，严格坚持调平，这样你才能成为赌场的老板，而不是被赌场敲诈的赌客。
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上班一族的理财小白应该如何做具体配置呢？
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最省心的资产配置
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由于没有人能够完全做好市场实际选择，基金经理的所谓选股技能也不具有持续性。
作为上班一族的理财小白，也并没有太多时间投入到投资研究当中，那么最理性的投资方法就是使用低成本的被动式管理工具，例如指数型基金，所谓指数型基金就是follow某一个市场总体趋势的基金。
根据资产配置的不相关原则，可以配置国内大盘股、国内小盘股、国外大盘股和国外小盘股对应的指数基金。
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<section class="" style="margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; line-height: 1;">
<section class="" style="margin: 0px; padding: 0px 0px 0px 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; vertical-align: top; line-height: 1.2;">
**举个栗子吧 **
</section>
</section>
</section>
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<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 10px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; width: 656px; vertical-align: top; border-width: 0px; background-color: rgb(239, 239, 247);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 8px 0px -2px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 13px;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; vertical-align: top;">
<section class="" style="margin: 0px 0px 4px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(55, 55, 93); font-size: 16px; background-color: rgba(255, 255, 255, 0);">
资产种类及配比
</section>
</section>
</section>
</section>
</section>
</section>
</section>
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<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: center;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-table; border-collapse: collapse; table-layout: fixed; width: 656px;">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-row-group;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-row; width: 655px;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 219px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none solid solid none; border-color: rgb(62, 62, 62) rgb(255, 255, 255) rgb(255, 255, 255) rgb(62, 62, 62); background-color: rgb(249, 110, 87);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 12px; color: rgb(255, 255, 255);">
指数基金类型
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 268px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none solid solid none; border-color: rgb(62, 62, 62) rgb(255, 255, 255) rgb(255, 255, 255) rgb(62, 62, 62); background-color: rgb(249, 110, 87);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 12px; color: rgb(255, 255, 255);">
代表基金
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 168px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none solid solid none; border-color: rgb(62, 62, 62) rgb(255, 255, 255) rgb(255, 255, 255) rgb(62, 62, 62); background-color: rgb(249, 110, 87);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 12px; color: rgb(255, 255, 255);">
占比
</section>
</section>
</section>
</section>
</section>
</section>
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<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-row; width: 655px;">
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; vertical-align: middle; width: 219px; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(246, 218, 204);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 12px;">
国内大盘指数
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 268px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(246, 218, 204);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 12px;">
沪深300指数基金
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 168px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(246, 218, 204);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 12px;">
25%
</section>
</section>
</section>
</section>
</section>
</section>
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-row-group;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-row; width: 655px;">
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; vertical-align: middle; width: 219px; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(248, 243, 240);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 12px;">
国内小盘指数
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 268px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(248, 243, 240);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 12px;">
中证500指数基金
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 168px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(248, 243, 240);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 12px;">
25%
</section>
</section>
</section>
</section>
</section>
</section>
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-row-group;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-row; width: 655px;">
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; vertical-align: middle; width: 219px; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(246, 218, 204);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 12px;">
国外大盘指数
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 268px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(246, 218, 204);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 12px;">
标普500指数基金
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 168px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(246, 218, 204);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 12px;">
25%
</section>
</section>
</section>
</section>
</section>
</section>
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-row-group;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-row; width: 655px;">
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; vertical-align: middle; width: 219px; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(248, 243, 240);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 12px;">
国外小盘指数
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 268px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(248, 243, 240);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 12px;">
纳斯达克100指数基金
</section>
</section>
</section>
</section>
<section class="" style="margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: table-cell; width: 168px; vertical-align: middle; border-width: 1px; border-radius: 0px; border-style: none none solid; border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(255, 255, 255); background-color: rgb(248, 243, 240);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 5px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 12px;">
25%
</section>
</section>
</section>
</section>
</section>
</section>
</section>
</section>
</section>
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(62, 62, 62); font-family: 'Helvetica Neue', Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', Arial, sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 25.6px; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px; -webkit-text-stroke-width: 0px;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 10px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; width: 656px; vertical-align: top; border-width: 0px; background-color: rgb(239, 239, 247);">
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 8px 0px -2px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; font-size: 13px;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; vertical-align: top;">
<section class="" style="margin: 0px 0px 4px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(55, 55, 93); font-size: 16px; background-color: rgba(255, 255, 255, 0);">
调平策略
</section>
</section>
</section>
</section>
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">
坚持每年年末定期调平。
</section>
</section>
</section>
</section>
</section>
</section>
<section class="" powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(62, 62, 62); font-family: 'Helvetica Neue', Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', Arial, sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 25.6px; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px; -webkit-text-stroke-width: 0px;">
<section class="" style="margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: center; font-size: 18px;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; vertical-align: middle;">
<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; vertical-align: bottom; width: 1.6em; overflow: hidden !important;">[图片上传中...(image-21ea72-1510805336055-3)]
</section>
<section class="" style="margin: 0px 0px 2px; padding: 0px 5px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; vertical-align: bottom; line-height: 1.2em; color: rgb(249, 110, 87);">
如何才能脱离贫穷
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<section class="" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; display: inline-block; vertical-align: bottom; width: 1.6em; overflow: hidden !important;">[图片上传中...(image-97ad3b-1510805336055-2)]
</section>
</section>
</section>
</section>
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回到我们的主题，如何脱离贫穷。
消灭掉那些可能会导致变穷的因素，是正解。
每个因素怎么消除我已经告诉你啦，但决策和行动的权利仍旧在你手中。
你所知道的，做一遍，才能真正成为你所知道的。
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