The Wealth Ladder

 
　　已經努力工作，減少開支，卻依然感到財務狀況停滯不前，成果讓人受挫？問題恐怕不是付出的努力不夠，而是沒有找到對的方法。
 
　　本書作者畢業於史丹佛大學經濟系，是黎索茲財富管理公司（Ritholtz Wealth Management）營運長，也是優秀的財務與經濟分析師、資料科學家。他在暢銷前作《持續買進》（Just Keep Buying）中說明持續投資的力量，就像原子習慣一樣強大。這本新書《財富階梯》（The Wealth Ladder），則提供一套實證有效的財富累積框架，幫助讀者領會投資哲學，檢視自己正處在人生財務六階段之中的哪一個層級，分析如何隨著人生進程、內外在的條件，調整對金錢的思維，在收入、消費、投資等面向，作出明智的選擇。
 
　　《財富階梯》並非快速致富的捷徑，也不是解決財務問題的萬用公式，而是一種綜觀全局的金錢思維哲學，和與時俱進的投資策略。因為累積財富並不只是努力工作而已，而是在對的時間，運用對的策略，聚焦在最重要的事情上。評估財務順序時，壓力和幸福等心理狀態，亦不容忽視。(文/博客來編譯)

　　財經專家學者推薦：
 
　　「很少財經作者能像馬朱利一樣善於敘事；在《財富階梯》中，他不僅描繪了邁向更高財富層級的路徑，也揭示了這條路上可能伴隨的人性代價。強力推薦！」——經典長銷書《投資金率》（The Four Pillars of Investing）作者威廉．伯恩斯坦（William Bernstein）
 
　　「人生不同階段需要不同的金錢思維。我是藉由反覆試誤，才明白這點的。而你只需要讀這本精彩的書。」——紐約大學史登商學院教授史考特‧蓋洛威（Scott Galloway）
 
　　「作者結合了深入的數據分析和具體可行的見解，幫助你累積財富，並帶領你理解哪一個財富等級，最可能為使你感到快樂。」《數據、謊言與真相》（Everybody Lies）作者賽斯‧史蒂芬斯（Seth Stephens-Davidowitz）

From the author of Just Keep Buying, a groundbreaking new framework for building wealth

Do you feel stuck financially? Are you working more, trying to spend less, yet still not seeing results? If so, the issue isn’t your effort--it’s your approach.

This is where The Wealth Ladder comes in. It’s not a get-rich-quick scheme or a one-size-fits-all solution to your money problems. It’s a new philosophy for thinking about money altogether.

In a world where interest rates shift, careers take new turns, and desires evolve, our financial strategy must keep up. This is why The Wealth Ladder breaks wealth into six distinct levels, each demanding its own strategy. What works at Level 1 won’t cut it at Level 6--and vice versa. You’ll learn exactly how to handle your spending, income, investments, and more, with tailored advice for every stage. The result? Smarter choices, less stress, and a clear path upward.

Because building wealth isn’t just about hard work--it’s about applying the right strategy at the right time to focus on what matters most.

Fortunately, you won’t need to guess on where to focus next because The Wealth Ladder has the answer. The only question left is: Are you ready to climb it?

Nick Maggiulli is the Chief Operating Officer and Data Scientist at Ritholtz Wealth Management, where he oversees operations across the firm and provides insights on business intelligence. He is also the author of Just Keep Buying, his first book, and OfDollarsAndData.com, a blog focused on the intersection of data and personal finance. His work has been featured in The Wall Street Journal, CNBC, and The Los Angeles Times. Mr. Maggiulli graduated from Stanford University with a degree in Economics and currently resides in New York City.