📋 节目简介 (Description)

You've learned about compound interest, asset allocation, rebalancing, fees, behavior traps, and the Rule of 72. You know what to do. So why haven't you done it yet? This final episode confronts the gap between knowing and doing — the inertia, perfectionism, and fear that keep people from taking the first step. You'll learn why imperfect action beats perfect planning, how to design systems that remove willpower from the equation, and discover the single most important financial decision you can make today. This isn't about learning more — you already know enough. It's about finally starting. Because the best investment strategy is worthless if you never implement it.

🎧 本集精华 (Key Takeaways):

知行差距 (The Knowledge-Action Gap)：认识财务领域最大的失败不是选错投资，而是根本不开始——99%的人知道应该做什么，但只有10%真正去做。

完美主义陷阱 (Perfectionism Paralysis)：理解为什么等待"完美时机"、"更多研究"、"足够资金"是拖延的伪装——市场永远波动、知识永远不够、钱永远不够多，开始永远不会"完美"。

系统设计胜过意志力 (Systems Beat Willpower)：学习通过自动化消除决策——设置自动转账、自动投资、自动再平衡，让正确行为成为默认选项而非需要坚持的选择。

最小可行行动 (Minimum Viable Action)：掌握"今天就能做"的第一步——开户、设置每月100元自动投资、选择一只指数基金，哪怕不完美，行动本身比完美计划更有价值。

时间成本的最后警告 (Final Warning on Time Cost)：用前19集的所有原理做最后提醒——你读完这个系列但不行动，等于什么都没学，而每多等一天，复利就少工作一天。

💡 核心词汇 (Vocabulary):

Knowledge-Action Gap: 知行差距（知道该做什么但不去做的现象）。

Analysis Paralysis: 分析瘫痪（过度分析导致无法决策的状态）。

Perfectionism Trap: 完美主义陷阱（等待完美条件导致永不开始）。

Implementation Intention: 执行意图（具体的"何时何地做什么"计划）。

Automation: 自动化（将决策变为系统自动执行）。

Minimum Viable Action: 最小可行行动（能立即开始的最简单步骤）。

Commitment Device: 承诺机制（通过预先承诺强制未来行为的工具）。