拿铁效应，告诉你拥有储蓄投资习惯到底多重要！
在2020的上半年，相信大家在这段经济停滞的环境下，已经认识到手中拥有现金流的重要性，而今天大田环球也给大家分享一个关于拿铁效应的小故事，希望能帮到大家从新审视储蓄投资习惯的重要性：
一对夫妻习惯每天外出工作的时候，都一人买一杯拿铁喝，他们也觉得这是一件非常惬意的事情，从来没有觉得有什么不妥。直到后来，他们开始记账生活开支才发现，原来自己每天买两杯拿铁，就要花费70元，一年就是25550元，10年就是25.55万元。在时间的复利效应下，他们俩每人每天省下买一杯拿铁的钱，10年后竟足够他们买一辆便宜车子了。这就是经济学中“拿铁因素”效应的故事来源。
其实故事中的拿铁，也能代指日常中像买糖果、瓶装水、杂志、包包等这些不太引人注意的零散花费，如果大家在日常开销中没有记账习惯，经常是大手大脚花钱的话，自然也不可能聚得起财富，一旦生活上碰到意外，往往就容易因为没有现金流而束手无策。所以在平时，我们一定要养成储蓄投资习惯，注意节省日常无谓开支，才能慢慢积少成多、聚沙成塔，最终囤积起一笔极大的财富！
本文来源： 大田环球贵金属
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