序2008 年，我完成了“我以为你不用工作的”电子书 （http://www.slideshare.net/howtze/how-tze-101-i-thought-you-no-need-to-work ）。自那时到现在的近四年时间里，也陆陆续续对许多课题进行研究与探讨（一些相关笔记均收录于 howtze.blogspot.com）。感觉上人生里面对的事业、家庭、健康、休闲等课题，就好比学校里的科系（语文、科学、数学等）一样，只不过在社会大学里，它的科系所涵盖的范围更广、更深、更精彩。这本“作业”主要收录一些故事与笔记，作为上一本的延续篇。《生命中的大石块》提醒人们不要忘记自己的梦想。《管道的故事》则说明了被动收入对自由是何等重要。而《孟母三迁》和《螃蟹效应》解析了初期学习与后期事业环境的重要性，《生意是这样做成的》则是简略了 When there is a will, there will be ways 的思维模式。最后附上《以一卖烧饼的故事来叙述股票市场》，《投资与回酬的观念》以及《关于钱，你不能不懂的基本知识》，补上传统学校里所缺少的财务知识。而 Steve Jobs Stanford Commencement Speech 2005 则是个人认为最有心得的一篇演说。浩知2012 年 1 月 10 日 实现财务自由的一个简单计划 1。创办一家企业 2。对企业实行再投资 3。投资房地产 4。购买舒适的生活创办自己的企业，不断进行再投资，促使企业持续发展，接着投资房地产，然后，让这些企业和房地产投资为自己带来舒适的生活。请注意：公司并不一定是一个真实的实体，公司可以只是一些符合法律要求的文件，在政府注册后就被放在了律师的办公室里。公司并不意味着要有刻着公司名称的大楼、厂房和雇员，它可以只是一个没有灵魂的法律实体，但富人的财富在这里得到保护。
金钱与金融相关的笔记一个人有多少钱并不重要，除非他涉及控制某些组织，制定概念和政策，指导政府和公众最终为其服务，否则这种巨大财富的真正权力永远都不会被认识到。~ 财富和权力的一些基本原则，洛克菲勒的战略年轻时，人们称我赌徒；操作规模稍大，人们称我投资客；现在，人们尊称我为银行家。但从头到尾，我所做的都是同样的事情。~ 维克多 尼德霍福我们正从主流模式转移，转入一个在模式及理论的转型期，可能是百花齐放的局面，也许会出现混淆期，有些人赚取财富，有些人可能失去它们。~ 沈联涛少数能理解这个系统（支票货币和信用货币）的人，要么是对这个系统所产生的利润非常感兴趣，要么就是非常依赖这个系统的施舍（政治家），这个阶层的人是不会反对我们的。另一方面，绝大多数的人氏在智力上不足以理解基于这个系统所衍生出的资本所带来的巨大优势，他们将承受压迫而且毫无怨言，甚至一声都不会怀疑这个系统损害了他们的利益。 ~Mayor Rothschild，1863农民思想的智慧 ：http://howtze.blogspot.com/2010/02/blog-post.html你的孩子能在 30 岁时退休吗？: http://howtze.blogspot.com/2010/02/30.html罗素的鸡 ：http://howtze.blogspot.com/2010/02/blog-post_08.html"Money has never been important to us, but our freedom and the freedom for our children meanseverything!" ~ Philip & Lisa H.以一卖烧饼的故事来叙述股票市场http://howtze.blogspot.com/2008/02/blog-post_13.html关于钱，你不能不懂的基本知识http://howtze.blogspot.com/2011/02/blog-post.html实现财务自由的一个简单计划http://howtze.blogspot.com/2008/02/blog-post_1663.html后记所有收录的故事与笔记仅供参考，作为一个能够独立思考的成年人，你应该为自己的选择负责。
Steve Jobs Stamford Commencement Speech 2005 I am honored to be with you today at your commencement from one of the finestuniversities in the world. I never graduated from college. Truth be told, this is the closest Iveever gotten to a college graduation. Today I want to tell you three stories from my life. Thats it.No big deal. Just three stories. The first story is about connecting the dots. I dropped out of Reed College after the first 6 months, but then stayed around as adrop-in for another 18 months or so before I really quit. So why did I drop out? It started before I was born. My biological mother was a young, unwed collegegraduate student, and she decided to put me up for adoption. She felt very strongly that Ishould be adopted by college graduates, so everything was all set for me to be adopted atbirth by a lawyer and his wife. Except that when I popped out they decided at the last minutethat they really wanted a girl. So my parents, who were on a waiting list, got a call in themiddle of the night asking: "We have an unexpected baby boy; do you want him?" They said:"Of course." My biological mother later found out that my mother had never graduated fromcollege and that my father had never graduated from high school. She refused to sign the finaladoption papers. She only relented a few months later when my parents promised that I wouldsomeday go to college. And 17 years later I did go to college. But I naively chose a college that was almost asexpensive as Stanford, and all of my working-class parents savings were being spent on mycollege tuition. After six months, I couldnt see the value in it. I had no idea what I wanted to dowith my life and no idea how college was going to help me figure it out. And here I wasspending all of the money my parents had saved their entire life. So I decided to drop out andtrust that it would all work out OK. It was pretty scary at the time, but looking back it was one ofthe best decisions I ever made. The minute I dropped out I could stop taking the requiredclasses that didnt interest me, and begin dropping in on the ones that looked interesting. It wasnt all romantic. I didnt have a dorm room, so I slept on the floor in friendsrooms, I returned coke bottles for the 5 cent deposits to buy food with, and I would walk the 7miles across town every Sunday night to get one good meal a week at the Hare Krishnatemple. I loved it. And much of what I stumbled into by following my curiosity and intuitionturned out to be priceless later on. Let me give you one example: Reed College at that time offered perhaps the best calligraphy instruction in thecountry. Throughout the campus every poster, every label on every drawer, was beautifullyhand calligraphed. Because I had dropped out and didnt have to take the normal classes, Idecided to take a calligraphy class to learn how to do this. I learned about serif and san seriftypefaces, about varying the amount of space between different letter combinations, aboutwhat makes great typography great. It was beautiful, historical, artistically subtle in a way thatscience cant capture, and I found it fascinating. None of this had even a hope of any practical application in my life. But ten years later,when we were designing the first Macintosh computer, it all came back to me. And wedesigned it all into the Mac. It was the first computer with beautiful typography. If I had neverdropped in on that single course in college, the Mac would have never had multiple typefacesor proportionally spaced fonts. And since Windows just copied the Mac, its likely that nopersonal computer would have them. If I had never dropped out, I would have never droppedin on this calligraphy class, and personal computers might not have the wonderful typographythat they do. Of course it was impossible to connect the dots looking forward when I was incollege. But it was very, very clear looking backwards ten years later. Again, you cant connect the dots looking forward; you can only connect them lookingbackwards. So you have to trust that the dots will somehow connect in your future. You have
to trust in something # your gut, destiny, life, karma, whatever. This approach has never let medown, and it has made all the difference in my life. My second story is about love and loss. I was lucky that I found what I loved to do early in life. Woz and I started Apple in myparents garage when I was 20. We worked hard, and in 10 years Apple had grown from justthe two of us in a garage into a $2 billion company with over 4000 employees. We had justreleased our finest creation - the Macintosh - a year earlier, and I had just turned 30. And thenI got fired. How can you get fired from a company you started? Well, as Apple grew we hiredsomeone who I thought was very talented to run the company with me, and for the first year orso things went well. But then our visions of the future began to diverge and eventually we hada falling out. When we did, our Board of Directors sided with him. So at 30 I was out. And verypublicly out. What had been the focus of my entire adult life was gone, and it was devastating. I really didnt know what to do for a few months. I felt that I had let the previousgeneration of entrepreneurs down - that I had dropped the baton as it was being passed tome. I met with David Packard and Bob Noyce and tried to apologize for screwing up so badly. Iwas a very public failure, and I even thought about running away from the valley. Butsomething slowly began to dawn on me # I still loved what I did. The turn of events at Applehad not changed that one bit. I had been rejected, but I was still in love. And so I decided tostart over. I didnt see it then, but it turned out that getting fired from Apple was the best thing thatcould have ever happened to me. The heaviness of being successful was replaced by thelightness of being a beginner again, less sure about everything. It freed me to enter one of themost creative periods of my life. During the next five years, I started a company named NeXT, another companynamed Pixar, and fell in love with an amazing woman who would become my wife. Pixar wenton to create the worlds first computer animated feature film, Toy Story, and is now the mostsuccessful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, Ireturned to Apple, and the technology we developed at NeXT is at the heart of Apples currentrenaissance. And Laurene and I have a wonderful family together. Im pretty sure none of this would have happened if I hadnt been fired from Apple. Itwas awful tasting medicine, but I guess the patient needed it. Sometimes life hits you in thehead with a brick. Dont lose faith. Im convinced that the only thing that kept me going wasthat I loved what I did. Youve got to find what you love. And that is as true for your work as it isfor your lovers. Your work is going to fill a large part of your life, and the only way to be trulysatisfied is to do what you believe is great work. And the only way to do great work is to lovewhat you do. If you havent found it yet, keep looking. Dont settle. As with all matters of theheart, youll know when you find it. And, like any great relationship, it just gets better and betteras the years roll on. So keep looking until you find it. Dont settle. My third story is about death. When I was 17, I read a quote that went something like: "If you live each day as if itwas your last, someday youll most certainly be right." It made an impression on me, and sincethen, for the past 33 years, I have looked in the mirror every morning and asked myself: "Iftoday were the last day of my life, would I want to do what I am about to do today?" Andwhenever the answer has been "No" for too many days in a row, I know I need to changesomething. Remembering that Ill be dead soon is the most important tool Ive ever encountered tohelp me make the big choices in life. Because almost everything # all external expectations, allpride, all fear of embarrassment or failure - these things just fall away in the face of death,leaving only what is truly important. Remembering that you are going to die is the best way Iknow to avoid the trap of thinking you have something to lose. You are already naked. There isno reason not to follow your heart.
About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning,and it clearly showed a tumor on my pancreas. I didnt even know what a pancreas was. Thedoctors told me this was almost certainly a type of cancer that is incurable, and that I shouldexpect to live no longer than three to six months. My doctor advised me to go home and getmy affairs in order, which is doctors code for prepare to die. It means to try to tell your kidseverything you thought youd have the next 10 years to tell them in just a few months. It meansto make sure everything is buttoned up so that it will be as easy as possible for your family. Itmeans to say your goodbyes. I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuckan endoscope down my throat, through my stomach and into my intestines, put a needle intomy pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there,told me that when they viewed the cells under a microscope the doctors started cryingbecause it turned out to be a very rare form of pancreatic cancer that is curable with surgery. Ihad the surgery and Im fine now. This was the closest Ive been to facing death, and I hope its the closest I get for a fewmore decades. Having lived through it, I can now say this to you with a bit more certainty thanwhen death was a useful but purely intellectual concept: No one wants to die. Even people who want to go to heaven dont want to die toget there. And yet death is the destination we all share. No one has ever escaped it. And thatis as it should be, because Death is very likely the single best invention of Life. It is Lifeschange agent. It clears out the old to make way for the new. Right now the new is you, butsomeday not too long from now, you will gradually become the old and be cleared away. Sorryto be so dramatic, but it is quite true. Your time is limited, so dont waste it living someone elses life. Dont be trappedby dogma - which is living with the results of other peoples thinking. Dont let the noise ofothers opinions drown out your own inner voice. And most important, have the courage tofollow your heart and intuition. They somehow already know what you truly want to become.Everything else is secondary. When I was young, there was an amazing publication called The Whole Earth Catalog,which was one of the bibles of my generation. It was created by a fellow named Stewart Brandnot far from here in Menlo Park, and he brought it to life with his poetic touch. This was in thelate 1960s, before personal computers and desktop publishing, so it was all made withtypewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35years before Google came along: it was idealistic, and overflowing with neat tools and greatnotions. Stewart and his team put out several issues of The Whole Earth Catalog, and thenwhen it had run its course, they put out a final issue. It was the mid-1970s, and I was your age.On the back cover of their final issue was a photograph of an early morning country road, thekind you might find yourself hitchhiking on if you were so adventurous. Beneath it were thewords: "Stay Hungry. Stay Foolish." It was their farewell message as they signed off. StayHungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate tobegin anew, I wish that for you. Stay Hungry. Stay Foolish. Thank you all very much.