可可电台，每期节目一话题，让英语磨练耳朵的同时学到更多有益的小知识，丰富知识的同时受益于生活。

Questions you need to ask yourself when setting investment goals for financial independence.

设定财务独立性的投资目标时，你需要问自己的问题

What is your risk tolerance?

你的风险承受能力如何?

No matter how successful you are or how much money you amass, some people are wired in a way that fluctuations in their portfolio’s market value leads to enormous levels of emotional misery.

无论多么成功或积攒了多少钱，有些人总会因为他们投资组合市场价值的波动而导致巨大的情绪痛苦。

They’d rather end up with less money in the future, and enjoy a lower rate of compounding, but have a smoother ride.

他们宁愿将来少赚一点钱，享受更低的复利率，但是生活更平稳。

Learning to be honest with yourself about where you fall on that spectrum is a big part of fiscal maturity. For example, though it can put you at a significant disadvantage under most circumstances, you don’t have to own stocks to build wealth.

学会诚实地面对自己的处境是财务成熟的重要组成部分。例如，虽然在大多数情况下，低风险的理财方式可能使你处于明显的劣势，但你不必因为通过持有股票来积累财富而胆战心惊。

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