多数人不会考虑把一半的财富用于某笔投资或者借钱来买股票和债券。不过,也有许多人已经这么做了。我们都在算“心理账”(mentalaccounting),就是说我们认为自己的房产、抵押贷款、共同基金、股票、债券、银行帐户、汽车贷款和信用卡完全互不相干。但有时候,退一步,海阔天空。 Most people will not consider spending half of their money on an investment or borrowing money to buy stocks and bonds. However, many people have already done so. We are all mentalaccounting, meaning we think our properties, mortgages, mutual funds, stocks, bonds, bank accounts, car loans and credit cards are completely separate. But sometimes, take a step back, brighter.