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最強儲蓄體質：只要存下20萬，人生就會從此改變！: KURAMA : 4050 KURAMA 20FIRE Step 1 Step 220200 1025 20 20 20100200 20 50 KURAMA 3002000 YouTube
作者: KURAMA | 譯者: 張瑜庭
你對現在的人生感到不安嗎？
你是低薪過勞的「零存族」嗎？
貸款好像怎麼還也還不完？
40、50歲才開始存錢還來得及嗎？
你真的能養活自己一輩子？
老後資金、各種貸款、子女教育金、被動投資……對金錢有著滿滿的焦慮感，想過得好，貧窮感卻愈來愈強烈……這本書正是要寫給帳戶總是見底，卻最需要錢的你！
▌日本人氣網紅KURAMA告訴你真相
「一輩子都不用為錢煩惱的人，以及存不了錢、終其一生貧窮的人，兩者之間的分歧點就在於『區區20萬』存款。」想要過上FIRE自由人生，關鍵不在於你能賺多少，而是你能存多少！
▌養成強大「儲蓄體質」的財務自由之路
✦Step 1：認清窮人的生活習慣病！→再不擺脫貧窮病，你就是在慢性自殺！！
窮人的抱怨：「我根本不懂理財投資」「學歷差進不了好公司」「誰教我年收這麼低」
窮人的行動：不清楚自身收支光憑感覺花錢、沒什麼錢還是要買房買車辦婚禮、老是從眾追逐潮流賺愈多花愈多。
✦Step 2：先存到20萬，就能存到200萬的魔鬼儲金術！
────開立三種帳戶
────減少固定支出和變動支出（隱形浪費）
────錢包裡不放鈔票，多放小額硬幣
────選擇能儲蓄的公司與工作
────不當擁車族
────盡量不投保
────不刻意省水節電（不追求精打細算省下的錢）
────從存下實際收入的10％到挑戰25％
────高價品買二手的
────從生活周遭的反面教材中學習
────存到20萬以前先壓低生活水準
────找到不花錢的樂趣
────省錢＞賺錢
────確立一種簡單舒服的生活方式
「理財」這門學問的必修課中，最重要的就是「儲蓄課」。
「養成強大儲蓄體質」的第一道關卡，正是「區區20萬」的高牆。
只要存下20萬，你就能存到100萬、200萬，找回掌控財務與人生的主導權！
────「只要存下20萬日圓，人生就會從此改變！」────
✦十幾歲的學生就能存錢，就算50歲才開始也不嫌晚。
✦為了擁抱幸福的人生下半場，請先透過這本書培養出強大的「儲蓄體質」
✦充分了解儲蓄的戰術、陷阱與喜悅，這本書將帶你通往財務自由的夢想人生！
你是低薪過勞的「零存族」嗎？
貸款好像怎麼還也還不完？
40、50歲才開始存錢還來得及嗎？
你真的能養活自己一輩子？
老後資金、各種貸款、子女教育金、被動投資……對金錢有著滿滿的焦慮感，想過得好，貧窮感卻愈來愈強烈……這本書正是要寫給帳戶總是見底，卻最需要錢的你！
▌日本人氣網紅KURAMA告訴你真相
「一輩子都不用為錢煩惱的人，以及存不了錢、終其一生貧窮的人，兩者之間的分歧點就在於『區區20萬』存款。」想要過上FIRE自由人生，關鍵不在於你能賺多少，而是你能存多少！
▌養成強大「儲蓄體質」的財務自由之路
✦Step 1：認清窮人的生活習慣病！→再不擺脫貧窮病，你就是在慢性自殺！！
窮人的抱怨：「我根本不懂理財投資」「學歷差進不了好公司」「誰教我年收這麼低」
窮人的行動：不清楚自身收支光憑感覺花錢、沒什麼錢還是要買房買車辦婚禮、老是從眾追逐潮流賺愈多花愈多。
✦Step 2：先存到20萬，就能存到200萬的魔鬼儲金術！
────開立三種帳戶
────減少固定支出和變動支出（隱形浪費）
────錢包裡不放鈔票，多放小額硬幣
────選擇能儲蓄的公司與工作
────不當擁車族
────盡量不投保
────不刻意省水節電（不追求精打細算省下的錢）
────從存下實際收入的10％到挑戰25％
────高價品買二手的
────從生活周遭的反面教材中學習
────存到20萬以前先壓低生活水準
────找到不花錢的樂趣
────省錢＞賺錢
────確立一種簡單舒服的生活方式
「理財」這門學問的必修課中，最重要的就是「儲蓄課」。
「養成強大儲蓄體質」的第一道關卡，正是「區區20萬」的高牆。
只要存下20萬，你就能存到100萬、200萬，找回掌控財務與人生的主導權！
────「只要存下20萬日圓，人生就會從此改變！」────
✦十幾歲的學生就能存錢，就算50歲才開始也不嫌晚。
✦為了擁抱幸福的人生下半場，請先透過這本書培養出強大的「儲蓄體質」
✦充分了解儲蓄的戰術、陷阱與喜悅，這本書將帶你通往財務自由的夢想人生！
作者
KURAMA
擁有財務規畫師證照的上班族。現居東京，工作第一年就還清近300萬日圓的學貸，四年半後存款已達2000萬日圓。
開設YouTube頻道「倹者の流儀」（暫譯：省錢一族都這樣做），介紹自己的存錢祕訣和理財技巧，引發熱烈迴響。透過輕鬆分享個人真實的成功與失敗經驗談，以及淺顯易懂的財務管理解說，獲得廣大訂閱支持。
本書為其第一本著作，上市不久即好評再刷，並且獲得許多節約系網紅推薦。
譯者
張瑜庭
台大日文系畢業，曾到日本御茶水女子大學交換留學。現為兼職接案譯者，平日也與翻譯文字為伍。譯有《對症骨盆回正訓練》等書。
擁有財務規畫師證照的上班族。現居東京，工作第一年就還清近300萬日圓的學貸，四年半後存款已達2000萬日圓。
開設YouTube頻道「倹者の流儀」（暫譯：省錢一族都這樣做），介紹自己的存錢祕訣和理財技巧，引發熱烈迴響。透過輕鬆分享個人真實的成功與失敗經驗談，以及淺顯易懂的財務管理解說，獲得廣大訂閱支持。
本書為其第一本著作，上市不久即好評再刷，並且獲得許多節約系網紅推薦。
譯者
張瑜庭
台大日文系畢業，曾到日本御茶水女子大學交換留學。現為兼職接案譯者，平日也與翻譯文字為伍。譯有《對症骨盆回正訓練》等書。
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4.7 ★★★★★
Based on 13 reviews
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Product Reviews
★★★★★ 4
Flavor distribution could be better
Size: 2 Pound
I receive Spravato treatments, and the taste is nasty. Fruit candy is a good way to get rid of it. I discovered that the tropical fruit punch flavor was best at it. Unfortunately, the clinic switched to a different kind of suckers and kept them poorly stocked, so I bought my own. Two pounds of suckers and not a single tropical fruit punch! Lots of mango and orange, which also work well, but in two pounds, you'd think there'd be some of every flavor.
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Reviewed in the United States on December 31, 2024
★★★★★ 5
The bible everyone needs
Format: Hardcover
If you want to learn the truth of Gods word, here's where you should start and don't rely on our modern translations to reveal Gods revelation to mankind. All it takes is a little hard work and effort.
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Reviewed in the United States on March 2, 2026
★★★★★ 5
An Exceptional Resource.
Format: Hardcover
I learned Greek and Hebrew in my graduate studies and anyone who has done that knows the great joy it is to be able to read the original languages of scripture. With the footnotes, though, getting through the text becomes much easier than if you simply have an NA28 or BHS. To echo what other reviewers have said, I also think that the new binding is a big plus over the previous edition - the book is so large that with a leather or trutone binding it can be a bit cumbersome. With the cloth over board, it fits well in your hands, feels more durable, and in my view is an improvement. However, one might say that calling it a "second edition" was not really necessary since the actual text is essentially the same as the previous - just the binding and the material used for the pages is different (as far as I can tell). The font is a good size as well. Any bigger and the book really would have been exceptionally large. But any smaller and it would be too hard to read. So I feel like they struck a good balance here.
One thing that they could have done better in making this was include the BHQ texts of the Hebrew books that have already been released as of 2020 (Ruth, Proverbs, Deuteronomy, the 12 Minor Prophets, Song of Songs, Ecclesiastes, Lamentations, Esther, Judges, and Ezra-Nehemiah) rather than the BHS that was in the previous edition. All of those BHQ texts had been released as of the time that this was being produced, so they could have easily updated these books and made it a true "second edition" with some significant updates that have come from recent years of scholarship on these books. All of the BHQ Old Testament will probably not be out until 2030 or so, but those particular books have been available for a while. I assume that there was a reason for this, and perhaps Zondervan was not allowed to use the BHQ texts in this volume since the BHQ texts are so new, but that is really the only area for improvement that I can think of.
It would be a great addition to anyone's library who has at least two semesters of the languages.
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Reviewed in the United States on June 26, 2020
★★★★★ 5
Great resource for keeping up biblical language skills
Format: Hardcover, Format: Hardcover
I am excited to have purchased this book. I graduated from seminary over a decade ago, and I have definitely lost a lot of my proficiency with Greek and Hebrew. I have been looking for something to help get back into the flow of things, and this just might be it.
The book contains both the Hebrew and Greek scriptures, which makes it several inches thick. On the plus side, the whole Bible is there in one book. However, it's not as portable as I'd like it to be. But that is the only downside I've discovered so far.
The pages and hard over are of really good quality--they just feel good in your hands. The Hebrew and Greek fonts used are very readable, better than my critical editions. Some other reviewers have commented negatively on the yellow paper, but it hasn't been an issue with me. (Your results may vary.)
The text itself has footnotes with quick definitions for all infrequent words (occurring <100x for Hebrew, <30x for Greek), so you don't have to look up that one word in the passage that, as it turns out, is a hapax legomenon or something. Each Testament also has a short lexicon with quick definitions for every word not defined in the footnotes. So in theory you should be able to look up any word quickly and easily just with this book. As an added bonus, infrequently occurring names in the Hebrew Bible are indicated in a light grey font, so again, you can quickly see that it's a name instead of getting frustrated trying to translate it as a regular noun.
One word about usage: This is not an "academic" book per se. That is, you're not going to be able to do detailed word studies or compare manuscript variants with this book. Even the definitions are just quick glosses, meant to get you down the road, not to provide technical etymological information. The purpose of this book is to help you read and familiarize yourself with the original-language text, or, like me, to keep your language skills sharp. And I believe that it will do this well.
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Reviewed in the United States on July 11, 2020
★★★★★ 5
Works well
Format: Hardcover
Great study tool
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Reviewed in the United States on February 28, 2025