富人真正购买的是时间
Why can thirty years of low-cost capital be worth more than a cheap one-year loan?
Wallace Wang · Updated 2026-09-14
This chapter is an outline for now. The book is written in public: the full text, stories and cases will be added to this page, at this same address.
Thirty years of low-cost capital can be worth more than a cheap one-year loan, because the two strongest amplifiers of wealth start to stack: leverage × compounding. Leverage enlarges the base; time enlarges the result.
为什么 30 年的低成本资本，可能比一年期的便宜贷款更有价值？
因为财富增长最强大的两个放大器开始叠加：
Leverage × Compounding（杠杆 × 复利）
This book is general education, not investment, tax or lending advice.