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<p>2008年的那場金融危機讓不少人知道了什么是“灰犀?！薄；蚁?，在金融領(lǐng)域內(nèi)是指那些經(jīng)常被提示卻沒有得到充分重視的大概率風(fēng)險事件。</p><p>為什么要稱為灰犀牛？你可以想象一下，在一片大草原上，在你的遠(yuǎn)方有一頭笨重的、臃腫的、遲緩的犀牛，你一定不會過多地去在意它。但一旦它向你奔來，其筆直的路線，強大的爆發(fā)力，會令你猝不及防，被它撲倒在地。</p><p>08年的金融危機，其實大家都心知肚明，卻都抱著一種僥幸心理，每個人都想著“我能逃出去”。但當(dāng)這頭“犀?！闭嬲_始向你發(fā)起進攻的時候，才想起逃命已經(jīng)晚了。</p><p>米歇爾·渥克說，許多危險并非沒有征兆，也并非突如其來，它們其實一直潛伏著，也是可預(yù)見的，但是對時間的錯估和盲目樂觀，使得我們對它們視而不見，導(dǎo)致風(fēng)險到來時，缺乏有效的應(yīng)對措施。</p><p>我們生活也是如此，有不少“灰犀牛”的存在。</p><p>比如，我們都知道，長期缺乏睡眠會導(dǎo)致很多問題，如注意力衰退、記憶力下降，乃至阿茲海默癥......但對我們來說，這些負(fù)面影響太遲緩了，我們感受不到，也就不會有切身的動力。真正能讓你驚覺“我要改善睡眠質(zhì)量”的是什么呢？頭痛。一熬夜就頭痛的人，最能堅持早早入睡。</p><p>再比如理財和預(yù)算控制?；ㄥX消費，帶來的愉悅感是即時的；而省下這筆錢，你并不會有很強烈的正反饋，不會有成就感，甚至不會有任何差異。兩相權(quán)衡，我們當(dāng)然會傾向于消費。于是，不知不覺，錢就這樣花出去了。而什么情況下，“省錢”會有動力呢？要么是償還一筆債務(wù)，你能看到它一點一滴地在減少；要么是攢錢買一個東西，你能看到進度條慢慢前進，因為這才能帶給我們驅(qū)動力。</p><p>只有我們理清楚這里面的成本（代價）和收益（好處），克服“時間貼現(xiàn)”（透支未來），才能從根本上，驅(qū)動自己去行動，去防患于未然。<br/></p> </div>  <p class="text-sign"> 相關(guān)頻道： <a href="/tag/news" target="_blank">eNews</a> <a 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