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程序员如何优雅地挣零花钱
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想明白自己的核心资源
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时间片优化·其一 提升单位时间收益
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时间片优化·其二 提升单位时间效率
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资产和被动收入·其一 获得资产
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资产和被动收入·其二 创造资产
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资产和被动收入·其三 资产的量化评估
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销售时间片的方式
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适合程序员创造的资产·付费课程
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适合程序员创造的资产·付费专栏
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适合程序员创造的资产·付费社群
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适合程序员创造的资产·书籍出版
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适合程序员创造的资产·模板、插件和源代码市场
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适合程序员创造的资产·订阅式软件和服务
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适合程序员创造的资产·应用市场卖付费软件
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适合程序员创造的资产·经营媒体账号并带货
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后记
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<!-- Title -->
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<h1>
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<a href="." >资产和被动收入·其一 获得资产</a>
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<h1 id="资产和被动收入·其一-获得资产">资产和被动收入·其一 获得资产</h1>
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<p>首先我们要讨论一下什么叫资产。这个定义就见仁见智了，我这里使用罗伯特·清崎在《穷爸爸富爸爸》里边的一个定义，那就是「<strong>能把钱放进你口袋的东西</strong>」就是资产。</p>
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<p><img src="https://theseven.ftqq.com/20200407152018.png" alt=""></p>
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<p>正是因为资产具备这种特性，它才能在我们睡觉逛街看电影的时候帮我们挣钱。</p>
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<p>话说《穷爸爸富爸爸》这本书很多人都读过，罗伯特·清崎后来还写了一个系列，核心是富人不为钱工作，而是<strong>让钱为自己工作</strong>。</p>
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<p>在书里边，主要通过「购买」的方式来获得资产。这里是书中列出来的资产类型：</p>
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<ul>
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<li>股票</li>
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<li>债券</li>
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<li>能够产生收入的房地产</li>
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<li>票据（借据）</li>
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<li>版税，如音乐、手稿、专利</li>
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<li>其他任何有价值、可产生收入或者增值潜力且有很好销路的东西</li>
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</ul>
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<p>所以这个系列后来就跑去教人投资和理财了。</p>
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<p>我不是说投资理财不好，但是<strong>投资你得先有资</strong>、<strong>理财你得先有财</strong>。在风险可控的范围内，大部分投资理财的回报率差异不会特别大。如果你手上一百万都不到，可能折腾一年、背着挺大的风险也就是多挣了几万块钱。</p>
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<p>在罗伯特的资产清单中，还有一个可以无成本获得类别 —— 版税。但其实在中国因为书卖得特别便宜，而版权又普遍不受重视，一些大厂都堂而皇之的侵权，其实很难获得高收益。</p>
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<p><img src="https://theseven.ftqq.com/20200407154609.png" alt=""></p>
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<p>如果没有初步的积累、或者不想背负过大的风险，怎样才能获得资产？这个问题在大学时困扰了我很久，但在毕业后我可能找到了一个解决方案，它来自科技的发展、是时代的红利。</p>
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