Why did the goddess marry worse?

As Munger says, all science can be explained to each other, such as physics can explain political events, and the same biology can explain economic problems. Explaining economic phenomena with the tools of economics is higher than biological efficiency, which is why economics exists.

As a writer who studies financial issues, I believe that many of the problems in life, the principles of finance can be explained . Financial management can be difficult to quantify the indicators in a comparable coordinates, so that people face some unknown problems, the idea of clearer.

In general, the problem of investing in financial management is a bit like a system integrator to solve. -Of course, this may be one of my paranoia, the so-called, with the hammer in hand, see who are like nails.

For example, marital problems are a very meaningful topic in the area of financial management. When I was working in a wealth management magazine, I found that marriage was almost a milestone for many people's financial outlook, and that marriage did have a huge impact on people's personal wealth.

The stingy mentality of love cost

One of the most interesting things I've discovered recently is that there are some very good young people who use vulgar standards to measure whether the "conditions" of their heterosexual spouses are great--and that's not to talk about homosexuality first. -but they tend to get married very late, and the last marriage affects their personal wealth--a personal wealth that's not just material, but the personal wealth we've talked about before--not as good as we thought.

A friend of my age is one of those people. He needed to get married to a woman, but when he met a lady, his opinion of the lady was always: the feeling is not very satisfied, but there is always better than the kind of degree-believe me, some of the spouses are really not the same-he hoped that two of people's contacts will naturally develop, but the woman also have their own ideas, I hope he is more " Heart "point, in fact, it is necessary for him to pay more cost, whether material or energy."

This friend is more distressed, I understand his meaning, because the cost of his limited to be rejected and distressed, and feel that this woman is not worthy of his expensive to pursue. This ambivalence made him get married very late, and even when he got married, I doubted the extent of his marital bliss.

This friend's courtship mentality, the most suitable name should be called "Love cost stingy." This kind of cost is not only because this person is perceived to be relatively high, from the behavioral learning can also find common cause. Ariely and Professor Shen Jiying of MIT have done experiments to examine people's attitudes towards choice, and the results suggest that the possibility of retaining choice is a human preference.

The experiment they did was this: they designed a program that had 3 different color boxes on the computer screen, and the participants clicked the three squares with their mouse to get a different amount of dollars, and each participant had the right to click 100 times. These three boxes represent a different reward range, and participants are told that the aim of the experiment is to see who gets the most rewards. The experiment also has an additional rule that if a box is not clicked 12 times in a row, it will disappear permanently on the screen. The experiment was attended by MIT's young students, who, even though they didn't have much incentive to join the click boxes, wanted to be the winners of a mystery experiment. In fact, each participant can find a box with a few consecutive clicks to the reward interval larger than the other two boxes, but when they see the box is less than clicked, almost disappeared, most of them could not help the opportunity to waste a click on the low scoring box. Later on, Iris widened the three-box reward Gap, which was the result.

I'm sure a lot of people would do that if they could spend the same amount of money on a different project as an investment. But the problem here is that monogamy has become a universally accepted code of conduct, while having a relationship with a few heterosexual people makes the cost-miser a very low social judge, or even a legal dispute. This obviously outweighs the cost-pinching, so these guys are forced to distribute costs evenly in chronological order.

The choice is a bit like the last desperate race gambler at the Hong Kong Jockey Club. In fact, both in Hong Kong and in the United Kingdom, there have been such statistics, such as a horse race there are 12 games, always the last bet is larger than the previous few. The reason for this big tail is that there are a lot of cost-pinching among these gamblers. The psychological accounts of the big-tailed gamblers, though they have made a decision to spend all the money they have brought into the race, are not always able to decide which horse to bet on, and over time decide to gamble in the last bet. Of course, these people's betting on the horse race is, on average, the same as those who love the cost of stingy, is also relatively poor.

How to distribute costs evenly according to time

Whether it's love-pinching or big-tailed gamblers, they have a problem with the choice of how to distribute costs evenly over time. The difficulty of allocating costs by time is greater than the average cost of distribution in the investment, this is because the average cost of diversification of investment, the energy of investors is more limited, and investment income is a linear accumulation, that is, the total income of an investor depends on his investment in a number of investment total income; The people who allocate their costs by time, because they can't predict the future, the vast majority of the costs they pay to keep a variety of options are sunk costs, diluting their final investment earnings. Forced to choose the next big bet on the last wager, it was totally irrational, and it was the same for betting on races and relationships.

On the other hand, there is a disadvantage of the love cost miser than the big-tailed gambler, that is, the "asset" of the love-cost miser is basically devalued, while the money in the big-tail gambler's pocket will not be devalued by inflation in a short race. The so-called asset depreciation of a love-cost miser means that, as they grow older, their average attractiveness to the opposite sex is decreasing. It's a bit like the company's fixed-asset depreciation, which is not easy to spot at first, and over time you'll find that the asset is really worthless. The highest point of female charm, this is a very difficult to measure the number, and vary greatly from person to man, some people will insist on a sharp point for a long time, such as Fan Bingbing. But some people are just a flash in the pan, even when compared to themselves, their best moment is only a year or two. There are many reasons to destroy this charm, such as aging, the decline in social activity, and the quirks and bad temper that result from being more screwed. If you think that my expression is not fresh enough, in fact, you can look at the American drama "Sex and the City" to see how the goddess of the past, but the society of their attitude is not so friendly.