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我們為什麼要賺錢?為什麼要存錢?:運用財富改變未來,了解世界與自己的金錢理財課

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我們為什麼要賺錢?為什麼要存錢?:運用財富改變未來,了解世界與自己的金錢理財課: () : : 96 1 2 3 4 19501973NHK1994112005 KADOKAWA 2008 SDGsplus ( )SDGsSDGs!1328

作者: 池上彰 (監修)  |  繪者: 佳奈 / モドロカ  |  譯者: 周子琪


     
       「錢是好東西?還是壞東西?」
  「一不小心借了錢,生活就會變得困苦?」
  「有錢就一定會變幸福?」
  當你聽到「錢」這個字時,腦中會浮現什麼呢?
  有人腳踏實地的賺錢,有人開口閉口都是錢,
  但是,你真的知道該如何賺錢、用錢、存錢嗎?或許,我們都該好好思考這些事。
  對於金錢的支配運用並沒有所謂的標準答案,
  縱使我們無法定論錢的好壞,
  但我們能做的是,探討如何「和錢相處」以及「如何運用錢」。
  在思考與做出決定的過程中,學習掌握金錢的重要意義,並感受到幸福。

  中倉美帆是一位高中生,對未來的目標感到迷惘,
  甚至連將來想要唸什麼大學科系也不確定,
  正好媽媽工作的銀行與大學合作開設暑期特別課程,
  美帆透過這項課程學習到多面向的金錢知識,
  她是否能夠因此對社會運作更加清楚?
  對未來人生努力的方向,也能夠設定更明確的目標呢?

  人生的選擇沒有標準答案,金錢的使用也是,
  但是我們可以透過每一筆金錢的使用,選擇讓自己的生活更美好,也讓社會獲得幫助。

  ▍唯有了解金錢的意義,我們才能成為金錢的主人

  本書共分為六大篇章,96個主題,引導讀者深入了解金錢的意義,並學習更好的金錢使用方式。透過了解金錢的各項議題與制度,我們也更加了解這個世界運轉的規則,無論是賺錢、存錢、消費、投資、保險……等等,這些生活中一定會遇到的習題,本書都能提供思考的方向。

  ★透過學習金錢概念,也能了解世界是如何運作的。
  ★工作在社會中創造出價值,付錢也代表著感謝。
  ★消費就像選舉投票,甚至會改變城市的面貌!
  ★我們努力工作賺錢是為了什麼?
  ★賺來的錢該如何支配,才能因應當下與未來?

  ▍全新視角!擁有一輩子的幸福事物與獲取未來知識的希望

  本書能幫助孩子提早建構因應時代變化的金錢觀、價值觀、人生觀,更能幫助及鼓勵他們長遠的思考並了解自我,規劃未來的人生。同時也能讓成年人對「錢」的認知更加清晰,進而在「消費、家計、工作、投資」等大大小小的金錢問題上做出更明智的決策。

  科技進步帶來便利的生活,同時也堆積了不少社會及環境問題,世界的進步與危機,不再與我們無關,面對快速變化的社會,我們越來越難找到「正確」的生活方式和思維模式。這時,支撐我們應該往哪一個方向走的就是「教養」。因此,本書以「新時代教養」為出發點,希望迎接未來生活的大人和孩子們都能了解並思考,從新興的主題到看似老生常談的主題,閱讀本書,將得以豐富及踏實讀者們的心靈。

  延伸思考:
  ✔有錢人的生活一定很幸福嗎?
  ✔金錢對我們的生活,甚至於我們的人生選擇具有什麼意義?
  ✔究竟是我們掌握金錢的運用?還是金錢掌控我們的人生?
  ✔錢是好東西?還是壞東西?原來每個人對金錢的想法與看法都不一樣。
  ✔商品和服務都是經由人的勞動而創造出來的,因此每個人的工作都有其價值存在。
  ✔金錢的流通情況也代表著社會繁榮程度。
  ✔消費者的想法與通貨膨脹或緊縮息息相關。
  ✔稅金與保險對我們的生活具有什麼意義?
  ✔景氣的好壞跟我們的金錢使用有關係嗎?

  雖然有了金錢,就能擁有更多的生活選擇。然而,相較於對金錢執著的生活,
  轉個彎,往前踏出一步的生活或許會比較快樂!
  反思與學習金錢的意義與重要性,能讓我們更加理性的運用財富。

  ▍誰適合讀這本書?
  ✔想了解金融理財基本概念的國中生、高中生、大學生及上班族
  ✔想要啟發學生了解社會結構,將個人規劃與社會連結思考的教育工作者
  ✔家有青少年,想要引導孩子積極探索未來並進行生涯規劃的父母
  ✔每天努力工作賺錢,想找到生活意義,想知道如何設定和實現生活目標的你
  ✔對社會保障制度、金融局勢、投資、理財等概念一知半解,想開始徹底了解的你
  ✔不想被金錢支配,想運用金錢讓生活更美好的每一個人!

本書特色

  1、緊扣生活情境,長遠思考未來──以生活化情境漫畫呈現,跟主角一起學習並尋找答案
  2、成長必知!牽動全球的議題──深入淺出說明枯燥難懂的金融議題,提高社會參與感
  3、多向化思考──從不同的國家社會制度裡,思考國際經濟對我們個人理財的影響
  4、數據圖像化,親切易讀好理解──介紹各種關於投資的財經用語及社會數據,輔以全彩圖
  表,讓複雜概念更好懂!

  【專業審訂】江季芸|理財教育作家、臺大國際企業博士

  
作者

監修/池上彰

  1950年出生於日本長野縣。畢業於慶應義塾大學經濟學系,1973年進入NHK。從1994年開始於「兒童週刊新聞」扮演的父親角色長達11年,在2005年以自由作家的身分展開各式活動。個人以幽默、易於理解的方式描述世界的結構和困難事件,在電視上大受歡迎,著有《我們為什麼要讀書?為什麼要工作?》等書。

漫畫/佳奈 

  非常擅長以溫暖的筆觸描繪出柔和的表情,是備受歡迎的新銳插畫家、漫畫家。作品有《名作繪本》系列(西東社)、《好好讀書中學版》系列(KADOKAWA)的插圖。活躍於童書及參考書的領域。

插畫/モドロカ

  自2008年起在文平銀座擔任設計師、插畫家,現在是自由接案的插畫家及設計師。參與插畫的書籍有《看漫畫學做人!指引青少年邁向人生的名言集》(大和書房)、《一口氣靠近全世界 串起SDGs與人類的書》(學研plus)等作品。

譯者

周子琪


  台南人。淡江大學日本語文學系畢業。

  日商公司專職翻譯員(會議口譯/文件筆譯),譯有《小學生也能做到的SDGs行動》、《小學生也能懂的用數字看SDGs》、《討厭!生氣讓我變怪獸》、《玩具們的奧運會》、《蓋博眼球運動:1天3分鐘,28個保健視力、鍛鍊大腦的訓練》等書。
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Madden
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This has become my go to daily sunscreen
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After first purchasing a year ago, this has become my daily go-to facial sunscreen while others just sit taking up space in my medicine cabinet. I have sensitive skin and severe reactions to chemical sunscreen and have been searching for the perfect mineral sunscreen for several years after starting tretinoin made my reaction to chemical sunscreen intolerable. I only recently figured out I am also highly sensitive to chemical boosters found in a lot of mineral sunscreens. Especially Butyloctyl salicylate. That one is a no-go for me and until I learned about chemical boosters found in a lot of "100 % mineral" sunscreens, could not figure out why some of my sunscreens made my face flush red and feel like it was on fire when I was in the sun. Lab Muffin is my hero. My skin is dry, mature, and sensitive with some lines/wrinkes, large pores, and rosacea. At first I thought this Sun Bum tinted mineral would be too drying as it has a very light texture vs being creamy. But it is not and the texture makes for a light but effective formula. PROS: - Mineral formula with no chemical boosters. - Does not settle in pores and wrinkles. After applying it settles slightly in lines, but a quick blend with a blending brush and it is good for the day. - Blends easily into hairline and brows. - Does not sting my eyes when I sweat and seems relatively sweat proof. -Does not transfer tint to clothes once it dries down. Even when I wipe away sweat.... nothing seems to come off. It is the only tinted mineral I have tried with little to no tint transfer. - Blends easily with a very soft silky texture that allows you to blend without any tugging on the skin like a lot of mineral formulas. - Matte finish but with a subtle glow. - Tint provides light coverage to even out skin, though does not cover everything. As someone who rarely wears makeup I appreciate the subtle coverage which does not look overdone but helps my skin look better. - Does not emphasize occasional tretinoin dry patches. Some of my other sunscreens (even tinted) seem to make dry patches look worse. This formula covers them without emphasizing (or irritating) them. - Does not feel heavy on my skin. I can't stand feeling sunscreen on my face (or anything which is the main reason I do not wear much makeup) and this formula is so light once it is on I forget it is there. -Light coverage lasts all day if I don't sweat. Needs some reapplication when sweating. -Does seem to provide SPF 30 coverage. With reports about sunscreens underperforming lately, this one does appear to work. I can burn in less than 15-20 minutes in full sun, but no problems with this sunscreen when reapplied after sweating or long sun exposure (I work outdoors as a field biologist, so this one is huge. 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Reviewed in the United States on November 15, 2025
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Love love love!
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I’m a big hyram fan and after I found out dear clairs and other Korean chemical sunscreen might not be as effective as claimed, I bought this product off of his recommendation. I was a little nervous about a few things. For one I have the worlds Oiliest skin. I felt like dear klairs (my old sunscreen) did leave a bit of shine but it had controlled my oil better than any other sunscreen I tried... until now. This is the closest my skin has ever looked to “normal” as far as oiliness goes so props to that! I also was hesitant on this product because of the tint but also didn’t want a white cast. I would say I’m light to medium with an olive undertone and I think it matches my skin really well! It almost looks like I have makeup on bc my skin tone much more even , but it doesn’t cover breakouts. I happened to have a few pimples (already had them ,not caused by the sunscreen) so you can see that the sunscreen doesn’t cover them completely but blurs/evens out the clear part of my skin. There is a slight white cast but I think the tint offsets it. . I couldn’t speak for other skin tones but I think if you’re light to medium/olive it matches really really well. Finally I love the texture, it’s almost velvety and doesn’t pull on the skin which I hate in a face sunscreen. Not too thick not too watery, and just feels nice to apply. So I don’t really have anything bad to say about this product, but I’ve only had it two days so I’ll have to see if it causes any breakouts ect. But so far I would highly recommend! Update: I have been using this for well over a year now, and I can never go back to anything else! It doesn't cause breakouts even when I've slept with it on by accident. I use it instead of a primer under my foundation, and it works amazing. I literally have no complaints; I have not gotten a sunburn since I started using this. I just reapply every few hours when I'm at the beach/pool. I love reapplying because it controls my oil and gives that blurred bb cream effect, I'm also able to put it under my eyes/on my eyelids without burning my eyes. I was never someone who got compliments on my skin, but that changed when I started using this along with the rest of my skincare routine (Shoutout Hyram!) I'm so glad I found this product! 2024 Update! Still loving and using this sunscreen! I decided to try a couple of different brands earlier this year just because I hadn't ever branched out after finding this product, but this remains the best-tinted sunscreen for oil control and pore blurring I've ever tried!
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