处置效应不仅仅是过早卖出赢家股票，它反映了投资者在框定收益和损失时更深层次的认知偏差。

Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.

Life is about creating yourself.

欲望不是要被理解的东西。它是要被忍受的东西。