【今日閱讀：財富的種子】●耶魯大學的行為經濟學家做過實驗：為肯尼亞的農夫開設“種子賬戶”，如果沒有實現預期目標（如存款要滿90天，或存到一定金額），不能動用里面的一分錢●因為設定了“財務愿景”，實驗年，農夫們的存款，就高出以往80%。并且他們更愿意將累積的存款，用來購買肥料，而不是像從前那樣到酒吧買醉一場●存錢要有目標，雖然過程要承受“不能隨意花錢”的痛苦，但一旦實現，你就會更珍惜這筆存款，或消費時，也會更用心規劃。而心態上些微的差別，足以造成財富上巨大的差距.

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