<p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal">【节目简介】</p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>以前总觉得理财就是死磕收益率，听完本期才发现：<b>理财其实是理人生</b>。从单身的潇洒，到带娃的负重，四位不同阶段的女性嘉宾，把“搞钱”这件事聊透了。没有枯燥的理论，只有血泪换来的实战经验。从一个人的洒脱，到一个家的承担，我们相约4月8日，听听她们的故事，如何跨越生命周期，构建自己的财富护城河！<br><br></span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>【嘉宾】</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span><b>体验派&nbsp;(Faerie)</b></span><span>：</span><span>30+</span><span>单身，买房只为强制储蓄，“金钱是为快乐服务的”。她的现状：</span>&nbsp;<span>高消费（旅游、社交占</span><span>50%</span><span>），房贷</span><span>+</span><span>房租占</span><span>40%</span><span>，储蓄率低。认为开源比节流重要，买房初衷是强制储蓄，对房价波动心态平和。</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span><b>探索者</b></span><span><b>&nbsp;(Yeting)</b></span><span>：今年计划做</span><span>FIRE</span><span>践行者和严格把控消费，攒够</span><span>25</span><span>倍年开支就退休，“钱是通向自由的底气”。她的配置：</span>&nbsp;<span>极简消费，资产主要投向权益类（</span><span>71%</span><span>），包括美股指数（标普</span><span>500/</span><span>纳指</span><span>100</span><span>）博取</span><span>Beta</span><span>收益，以及</span><span>A</span><span>股科技赛道博取</span><span>Alpha</span><span>收益。强调每年再平衡。</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span><b>稳健派</b></span><span><b>&nbsp;(</b></span><span><b>丹丽</b></span><span><b>)</b></span><span>：两娃妈妈，历经震荡，崇尚宏观认知与被动收益。她的现状：</span>&nbsp;<span>家庭支出大（孩子学费占大头），现金流紧张，股市里“挥金如土”，生活中“缝缝补补”。她的策略：</span>&nbsp;<span>重视保险（重疾险、养老年金），偏好红利低波</span><span>ETF</span><span>和美股指数定投，追求稳健现金流以应对教育和养老。</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span><b>保守派</b></span><span><b>&nbsp;(Cisy)</b></span><span>：手握</span><span>5</span><span>年备用金，极度重视现金流，保障失业不降级。她的经历：</span>&nbsp;<span>曾重仓房产，后优化资产配置。经历过生病出险，深知保险重要性。她的策略：</span>&nbsp;<span>极度重视现金流和应急资金（</span><span>5</span><span>年生活费），保险配置齐全（重疾必买），投资上止盈果断（达目标卖出</span><span>2/3</span><span>）。</span></p><span><br></span><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica, Arial, sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>无论是单身还是有家庭，</span><span>30+</span><span>之后，我们都在支出进入高峰期，而收入可能还在爬坡期的困境。</span></p><span><br></span><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica, Arial, sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>【时间轴】</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>0:00-03:15&nbsp;</span><span>开场：四种人生坐标的金钱故事</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>03:16-12:30&nbsp;</span><span>金钱观碰撞：从“快乐至上的生活观”到“保守派高储蓄率的生活方式”</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>12:31-25:45&nbsp;</span><span>钱去哪了？不同阶段的收支真相</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>25:46-40:10&nbsp;</span><span>如何建立财务安全网：失业</span><span>/</span><span>生病能撑多久？</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>40:11-52:20&nbsp;</span><span>理财觉醒：那些错过的机会与认知升级</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>52:21-58:00&nbsp;</span><span>嘉宾推荐：理财书单与播客</span></p><span><br></span><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica, Arial, sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>【策划</span><span>&amp;</span><span>主持】</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>Echo</span><span>、樵夫</span></p><span><br></span><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>【项目管理</span><span>&amp;</span><span>后期支持】</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>星星</span></p><span><br></span><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>【节目剪辑】</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>Wei_sodium</span></p><span><br></span><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>【音乐】</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>Fortune Flow by KirillLuzin</span></p><span><br></span><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>【关于我们】</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>SHE REWIRES</span><span>她原力是中国最活跃的科技女性社群，它的使命是转变现状和重塑一个更加多元和包容的</span><span>STEAM</span><span>的未来。</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>她原力数字</span><span>(She Rewires Digital)</span><span>通过组织每月线上知识分享活动，以促进不同行业、不同资历、不同地域之间的知识交流与社群建设为使命，邀请来自全球</span><span>STEAM</span><span>领域各行业的女性分享她们的项目、经验、知识和观点。</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>欢迎搜索订阅「</span><span>She Rewires Digital</span><span>」</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>苹果</span><span>Podcasts |&nbsp;</span><span>喜马拉雅</span><span>&nbsp;|&nbsp;</span><span>小宇宙</span><span>&nbsp;|&nbsp;</span><span>小红书</span><span>&nbsp;|&nbsp;</span><span>微博</span><span>&nbsp;|&nbsp;</span><span>哔哩哔哩</span><span>&nbsp;|&nbsp;</span><span>网易云</span><span>&nbsp;|&nbsp;</span><span>微信公众号</span><span>&nbsp;|&nbsp;</span><span>油管</span><span>&nbsp;|&nbsp;</span><span>油管</span><span>Podcasts | Spotify |&nbsp;</span><span>豆瓣</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>来互动呀</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>加听友群</span><span>&nbsp;&amp;&nbsp;</span><span>女性互助</span><span>&nbsp;&amp;&nbsp;</span><span>嘉宾报名：</span>&nbsp;<span>群助理</span><span>VX</span><span>加</span><span>&nbsp;HahahaHamigua2</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>社群公众号「</span><span>SHE REWIRES&nbsp;</span><span>她原力」</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>社群团队公众号「</span><span>She Rewires Digital&nbsp;</span><span>职业女性说」</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>合作联系邮箱</span><span>&nbsp;[email protected]</span></p><p style="color:#333333;font-weight:normal;font-size:16px;line-height:30px;font-family:Helvetica,Arial,sans-serif;hyphens:auto;text-align:justify;" data-flag="normal"><span>欢迎在下方评论区留言告诉我们你对节目的想法和感兴趣的内容，我们下期再见。</span></p>