🎙️ 代表作 Vol.034: How a Post-90s Woman Achieved Financial Freedom Through Stock Trading

Vicky's core philosophy that wealth is a direct result of understanding and insight:

• Knowledge Acquisition: Deep learning about industries before investing
• Cognitive Edge: Leveraging specialized knowledge from work experience
• Industry Insight: Investing in what you know and understand deeply
• Compounding Returns: Allowing cognitive advantages to compound over time "Wealth is truly a reward for cognition."

Vicky's approach to mastering new subjects efficiently:

• Goal Definition: Clearly defining what success looks like (e.g., passing an exam)
• Task Decomposition: Breaking down complex subjects into manageable parts
• Strategic Focus: Concentrating on high-value areas while accepting some losses
• Immersive Learning: Complete focus without distractions for intensive periods "I completely avoided my phone during those nine days, focusing only on eating, sleeping, studying, and using the restroom."

Vicky's framework for making career decisions:

• Growth Potential: Prioritizing industries with rapid development over immediate salary
• Long-term Value: Choosing opportunities that build skills and value over time
• Industry Trends: Identifying major trends like mobile internet that create opportunities
• Effort Creates Choice: Recognizing that effort comes before having good choices "I believe effort is more important than choice initially, because effort creates more choices."

Vicky's practical approach to defining and achieving financial freedom:

• Liquidity Focus: Emphasizing liquid assets that can cover living expenses
• Sustainable Income: Creating passive income streams that replace work income
• Lifestyle Alignment: Ensuring freedom supports desired lifestyle without excess
• Freedom from Work: Achieving the ability to choose whether to work "Financial freedom means having enough liquid assets to cover your living expenses, so from this point forward, you don't need to work for money."

Vicky's approach to making investing accessible through Rock Flow:

• Simplification: Removing complexity and jargon from investing
• AI Integration: Using artificial intelligence to guide investment decisions
• Starting Small: Encouraging beginners to start with minimal amounts
• Lifestyle Integration: Making investing a natural part of everyday life "Investing should be a part of everyone's life, not just the domain of financial experts."

Vicky's core philosophy that financial success comes directly from understanding and insight. She demonstrates this through her early investment in NVIDIA, which came from her work in AI investment and understanding of the company's critical role in providing computing power for AI applications. This insight shows that deep industry knowledge can translate directly into investment success.

Vicky's ability to master complex subjects quickly, such as passing the Chinese judicial exam in just nine days, reveals her systematic approach to learning. She focuses on understanding the core requirements, strategically allocating time to high-value areas, and accepting that some areas can be sacrificed. This approach has served her well in both her career and investment research.

Despite receiving a job offer from a Singapore sovereign wealth fund that paid ten times more, Vicky chose to join Baidu because she believed in the potential of the mobile internet industry. This decision reflects her long-term thinking and willingness to prioritize growth opportunities over immediate financial rewards, a philosophy that ultimately paid off significantly.

Despite her wealth, Vicky maintains an extremely simple lifestyle, with minimal interest in luxury goods or status symbols. She defines financial freedom not in terms of extravagant living, but simply as having enough liquid assets to cover living expenses without needing to work. This perspective challenges conventional notions of what it means to be wealthy.

Vicky observes that younger investors are starting earlier than previous generations and using investing as a way to express their values and identity. They invest in companies they know and love, such as Tesla or Bilibili, and see their investment portfolios as an extension of their personal brand and social identity.

Through her platform Rock Flow, Vicky aims to democratize investing by making it simpler and more accessible. She believes that investing should not be the exclusive domain of financial experts but should be integrated into everyday life, with tools that help ordinary people make informed investment decisions.

Vicky advises beginner investors to start with small amounts they can afford to lose, focusing on investments they understand. This approach allows people to gain experience and confidence without taking on excessive risk, gradually building their investment knowledge and portfolio over time.

Vicky suggests that people should leverage their professional knowledge when investing, as they have unique insights into their own industries. She gives examples of luxury goods employees investing in Hermès or tech workers investing in companies they understand well, demonstrating how specialized knowledge can provide an investment edge.

Vicky notes that investment portfolios are becoming a new form of social currency, with people sharing their holdings on social media and connecting with others who have similar investment philosophies. This trend reflects the integration of investing into lifestyle and identity for younger generations.

Throughout the conversation, Vicky emphasizes the importance of aligning investment risk with potential rewards, understanding that higher returns always come with higher risk. She advises investors to be clear about their goals and risk tolerance, and to avoid investments they don't understand.

Develop comprehensive knowledge of industries before investing:

• Immerse yourself in industry-specific knowledge through work or study
• Obtain relevant certifications or qualifications to deepen understanding
• Network with industry experts to gain insights
• Follow industry trends and developments consistently

Master complex subjects efficiently using Vicky's approach:

• Clearly define the passing requirements and scoring system
• Break down the subject into manageable components
• Focus on high-value areas while strategically accepting some losses
• Create an immersive learning environment without distractions

Make career decisions based on growth potential rather than immediate rewards:

• Identify industries with significant growth potential
• Prioritize learning and skill development over immediate salary
• Consider how career choices will expand future opportunities
• Be willing to take calculated risks for long-term gains

Maintain a minimalist lifestyle regardless of financial success:

• Focus on needs rather than wants when making purchases
• Avoid luxury goods and status symbols
  • Choose practical options over premium ones (e.g., economy flights)
• Find fulfillment in experiences and knowledge rather than material possessions

Start investing with a focus on learning rather than returns:

• Begin with small amounts you can afford to lose
• Invest in companies and industries you understand well
• Use investment as a way to learn about businesses and markets
• Gradually increase investment knowledge and portfolio size over time

Leverage professional knowledge for investment decisions:

• Identify the best companies in your own industry
• Use your insider knowledge to assess company potential
• Invest in companies whose products or services you use and believe in
• Consider how industry trends will affect company performance

Stay informed about market trends and opportunities:

• Follow financial news and market developments
• Learn from both successful and unsuccessful investments
• Study investment strategies that align with your personality
• Use AI tools and platforms to enhance market understanding

Develop a disciplined approach to investment risk:

• Align investment risk with your personal risk tolerance
• Understand that higher returns always come with higher risk
• Avoid investments you don't fully understand
• Diversify investments to manage overall portfolio risk