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收入才是致富關鍵，而非投資。每個人都有 3 個桶子，分別裝著用來支出、儲蓄和投資的錢。一般人總是企圖用投資桶來填滿另外 2 個桶子，一不小心就陷入不必要的風險。實際上，最有效且務實的方法是開闢更多的收入來源，把更多錢分配到這 3 個桶子，實現財務獨立的富足人生。
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