Fortune | FORTUNE 10月10日 22:27
亿万富翁的节俭之道:不被财富改变的消费习惯
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文章探讨了多位亿万富翁,包括知名电视制作人Shonda Rhimes、投资大师Warren Buffett以及演员Keke Palmer,在积累巨额财富后依然保持节俭生活习惯的现象。尽管他们拥有数十亿美元的资产,并为公司带来了巨额收益,但他们并未因此改变基本的消费观念,例如Shonda Rhimes仍会考虑打折购物,Warren Buffett坚持使用优惠券并在快餐店用餐,Keke Palmer也倡导量入为出。文章指出,这些成功人士认为,真正的幸福和满足感并非源于物质的堆砌,而是能够保持本真自我,不被外界的奢华所迷惑,并强调了财务责任和量入为出的重要性。

💰 财富不改本真:多位亿万富翁,如Shonda Rhimes,即使坐拥巨额财富,也保持着日常的节俭习惯,例如会考虑打折购物。这表明他们并未因财富的增加而改变根本的消费观念,而是将节俭视为一种生活常态,而非刻意为之。

🍽️ 价值导向的消费:投资大师Warren Buffett的节俭习惯尤为突出。他坚持住在几十年前购买的旧居,驾驶老旧汽车,并经常光顾麦当劳,甚至会使用优惠券。这体现了他对“价值”的理解,认为生活质量并非与花费直接挂钩,而是更看重实际效用和内心的满足。

🌱 财务责任的传承:年轻一代的成功人士如Keke Palmer,也积极倡导并践行量入为出的生活方式。她年少成名,但坚持不挥霍,将父母从小灌输的“省钱”观念融入生活。她认为,即使拥有可观收入,也应保持低调的消费,例如选择更经济的交通工具而非追求名车。

💡 幸福与物质的辩证关系:文章引用了Buffett的观点,即“生活标准与生活成本并不完全等同”。这些富豪认为,过度的物质拥有并不会带来更多的幸福感,反而可能使生活复杂化。他们选择简朴的生活,正是为了保持内心的平静和对生活的热爱,证明了幸福感并非完全依赖于物质的丰裕。

“You know what happens when all your dreams come true? Absolutely nothing. Everything stays the same. You’re still you,” Rhimes said recently on the Call Her Daddy podcast. “I’m still the person clipping coupons, and thinking ‘Maybe I should get that on sale,’ and, ‘Maybe I shouldn’t get too comfortable like with these shows.’”

Despite sitting atop a fortune estimated to be worth $240 million, bringing in billions for her TV networks, the Shondaland founder is still pinching her pennies. 

Some of Rhimes’ most famous shows include the likes of How to Get Away with Murder, Scandal, and Grey’s Anatomy—which Disney, the parent company of ABC, said brought in more than $2 billion. By 2017, she ditched traditional TV and made the leap to streaming, signing a five-year deal with streaming giant Netflix reported to be worth between $100 million and $300 million. 

Any Hollywood bigshot with her bank account might choose to spend their fat paychecks on luxury cars, 10-bedroom mansions, and cushy private jets. But Rhimes said that when people finally hit professional milestones, “The trappings change—you don’t change.” She’s one of many millionaires and billionaires sticking with their frugal habits, despite leading envy-inducing careers. 

Warren Buffett clipped coupons for McDonald’s meals 

As the 11th richest person in the world, Warren Buffett’s spending habits might come as a surprise to most. The 95-year-old Berkshire Hathaway mogul worth $149 billion still lives in the same Omaha home he bought for $31,500 back in 1958, and once drove a 20-year-old car because he felt safer than being behind the wheel of flashy Lamborghinis or Bentleys. 

Buffett is also known for frequenting McDonald’s for a cheap meal, choosing to order two sausage patties, an egg and cheese, or a bacon egg and cheese—all under $4. He loves the fast food chain so much that he even took Bill Gates there for lunch years ago; when the entrepreneurial pair were at a McDonald’s in Hong Kong, Gates recalled laughing when Buffett offered to pay and pulled coupons out of his pocket. For the hedge fund mogul, every penny counts—and he’s extremely content with his modest house, run-down cars, and fast-food meals.

“I do not think that standard of living equates with cost of living beyond a certain point,” Buffett said at a Berkshire Hathaway shareholders meeting in 2014. “My life would not be happier…it’d be worse if I had six or eight houses or a whole bunch of different things I could have. It just doesn’t correlate.”

Fellow entertainment star Keke Palmer is also an outspoken advocate of people being financially responsible and living below their means. She first became a millionaire at just 12 years old, and has since racked up Hollywood paychecks with Nope, Hustlers, True Jackson, VP, and One of Them Days. But she wouldn’t let the stardom get to her head or drain her bank accounts—she didn’t take a vacation for the first 15 years of her career, and is a staunch believer in “saving and frugality.” It’s a mindset that Palmer said her parents instilled in her from a very young age. 

“I live under my means. I think it’s incredibly important,” Palmer told CNBC in a May interview. “If I have $1 million in my pocket, my rent is going to be $1,500—that’s how underneath my means I’m talking. My car note is going to be $340. I don’t need a [Bentley] Bentayga, I’ll ride in a Lexus.”

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Shonda Rhimes Warren Buffett Keke Palmer 节俭 理财 财富观 Frugality Financial Habits Wealth Philosophy
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