大多数创业者以为成功取决于公司的估值、粉丝数，或者下一个伟大的点子。其实并不是。 真正的考验很简单：你有没有一笔 500 万美元的流动资金，从不动用？这是大多数创始人一辈子都建立不起来的自律。 他们会在高风险想法上不断加码，对项目投入过多情感， 然后到 65 岁时才惊讶自己为什么依然身无分文。 财务自由只来自一件事： 保护你的“巢蛋”。 你可以动收入， 但永远不要动本金。 Most entrepreneurs think success is about valuations, followers, or the next big idea. It’s not. The real test is simple: Do you have $5 million liquid that you never touch? That’s the discipline most founders never build. They double down on risky ideas, over-invest emotionally, and then wonder why they’re broke at 65. Financial freedom comes from one thing, protecting the nest egg. Touch the income, never touch the principal.
Kevin O'Leary aka Mr. WonderfulChairman of O’Leary Ventures and Beanstox
观点原文
大多数创业者以为成功取决于公司的估值、粉丝数，或者下一个伟大的点子。其实并不是。
真正的考验很简单：你有没有一笔 500 万美元的流动资金，从不动用？这是大多数创始人一辈子都建立不起来的自律。
他们会在高风险想法上不断加码，对项目投入过多情感，
然后到 65 岁时才惊讶自己为什么依然身无分文。
财务自由只来自一件事：
保护你的“巢蛋”。
你可以动收入，
但永远不要动本金。
Most entrepreneurs think success is about valuations, followers, or the next big idea. It’s not.
The real test is simple: Do you have $5 million liquid that you never touch? That’s the discipline most founders never build. They double down on risky ideas, over-invest emotionally, and then wonder why they’re broke at 65.
Financial freedom comes from one thing, protecting the nest egg. Touch the income, never touch the principal.
Sharing
相关观点
- 每个人都喜欢“白拿一张支票”的想法，但我要把话说清楚——直升机撒钱是一个糟糕的主意。我们在新冠期间已经试过了，结果是通胀直接飙到 9%。这正是为什么现在食品、蛋白质以及日常必需品依然这么贵。 更糟的是，我们还在对香蕉、菠萝这类本国根本不生产的商品加征关税。这完全说不通。既然我们不生产，为什么还要对它们征税，让家庭生活成本更高？ 我们不需要更多从天而降的“免费钱”。我们需要的是给通胀降温，把它拉回到美联储 2% 的目标附近，并恢复可负担性。在这之前，人们只会持续感到被挤压。 可负担性和医疗保健将主导中期选举议题。你很快就会看到，关于这些问题的讨论会越来越多。 Everyone loves the idea of a free check, but let me be very clear, helicopter money is a terrible idea. We tried that during COVID and it drove inflation straight up to 9%. That’s why groceries, protein, and everyday essentials are still so expensive. On top of that, we’re slapping tariffs on things like bananas and pineapples, products we don’t even grow. That makes zero sense. If we don’t produce it, why are we taxing it and making life more expensive for families? We don’t need more free money raining from the sky. We need to cool inflation down, get it back toward the Fed’s 2% mandate, and restore affordability. Until that happens, people are going to keep feeling squeezed. Affordability and healthcare are going to dominate the midterms. You’ll see a lot more of this conversation very soon.Kevin O'Leary aka Mr. Wonderful · 2025/12/23
- 美国人“买房实现梦想”的道路正在被碾碎，而这并不是因为人们不努力。 两次各 25 个基点的降息几乎没有起到任何作用，因为房贷利率锚定的是更长期利率，而通胀仍徘徊在 3% 左右。这使得放贷机构依然谨慎，住房可负担性依旧遥不可及。这不是需求问题，而是结构性问题。 住房是高度地方化的，而监管正在扼杀供给。看看加州，重建进展异常缓慢，原因在于严苛的监管负担。再加上在尚未与加拿大达成贸易协议的情况下，软木木材成本被抬高约 25%，房价自然居高不下。 如果你想让住房市场重新运转起来，就必须： * 修复监管问题 * 达成一项公平的木材贸易协议 * 增加住房供给 * 否则，一切都不会改变。 The American dream of buying a home is getting crushed, and it’s not because people aren’t trying. Two 25-basis-point rate cuts haven’t done a thing because mortgages are tied to longer-term rates, and inflation is still hovering around 3%. That keeps lenders tight and affordability out of reach. This isn’t a demand problem, it’s structural. Housing is local, and regulation is killing supply. Look at California, rebuilding is painfully slow because the regulatory burden is brutal. Add a 25% hit to softwood lumber costs with no trade deal in place with Canada, and prices stay elevated. If you want housing to work again, fix regulation, cut a fair lumber deal, and increase supply. Without that, nothing changes.Kevin O'Leary aka Mr. Wonderful · 2025/12/23
- 这是一个完全自找的烂摊子。当一家大型波本威士忌生产商被迫停产一年时，这不是市场在发声，而是政治在阻碍常识。 LCBO——全球最大的美国酒类买家之一——事实上已经把美国产品挡在门外。现在在安大略省你甚至买不到美国葡萄酒，于是货架被法国葡萄酒和日本威士忌填满。这是真实存在的需求、真实存在的收入，就这样拱手让给了别人。 加拿大和美国本应是密不可分的贸易伙伴。加拿大拥有美国所需要的资源，美国则拥有加拿大所依赖的全球最大消费市场。 在邻国之间玩关税博弈是愚蠢的，而且完全没有必要。 盟友之间就不该存在关税。 这只会伤害边境两侧的企业。 This is a self-inflicted mess. When a major bourbon producer shuts down for a year, that’s not the market talking, that’s politics getting in the way of common sense. The LCBO, one of the largest buyers of American liquor in the world, has effectively shut U.S. products out. You can’t even buy American wine right now in Ontario, so shelves get filled with French bottles and Japanese whisky instead. That’s real demand, and real revenue, being handed to everyone else. Canada and the U.S. should be inseparable trading partners. Canada has the resources America needs, America has the largest consumer market Canada relies on. Playing tariff games between neighbors is stupid and completely unnecessary. There shouldn’t be tariffs between allies. This hurts businesses on both sides of the border.Kevin O'Leary aka Mr. Wonderful · 2025/12/23
- 如果你问我，今天让我选一支 NFL 球队来投资，我可以直接告诉你：绝对不会是昨晚之后的堪萨斯城酋长队（Kansas City）。那场比赛看得人很难受——而且这话还是出自一个其实挺喜欢马霍姆斯（Mahomes）的人之口。 我与新英格兰有着很深的情感连接。 在布雷迪（Brady）时代，我曾住在波士顿。 我认识鲍勃·克拉夫特（Bob Kraft），我尊重这个家族，也亲眼见证了那个王朝是如何一步步建立起来的。 波士顿的球迷是不一样的。 这里没有中间地带。 你赢了，他们把你奉若神明； 你输了，他们会把你彻底摧毁。 他们从不容忍平庸，永远如此。 这种文化很残酷，但它是真实的。 正是这种只认赢家、对借口零容忍的心态， 才让那种文化在几十年里不断产出冠军。 If you’re asking me which NFL team I’d invest in today, I’ll tell you this, it wouldn’t be Kansas City after last night. Painful to watch, and that’s coming from someone who actually likes Mahomes. I’ve got a deep connection to New England. Lived in Boston during the Brady years. I know Bob Kraft, I respect the family, and I watched that dynasty get built in real time. Boston fans are different. There’s no middle ground. You win, they worship you. You lose, they destroy you. They don’t tolerate mediocrity, ever. It’s ruthless, but it’s honest. That mindset, winners only, zero patience for excuses, is exactly why that culture produced champions for decades.Kevin O'Leary aka Mr. Wonderful · 2025/12/17