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wealth-structure

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当用户问「怎么赚钱/如何致富/该不该要期权/如何判断一个生意的结构」时调用。 核心理念: 财富=睡觉时仍在赚钱的资产; 靠「责任(押上声誉)→产权(股权/知识产权)→杠杆(无需许可的代码媒体)→避免出局」构建, 无法靠出租时间致富。 不适用于: 具体投资标的分析、理财产品的选股建议。 Triggers: 致富/赚钱/股权/期权/杠杆/被动收入/ownership/leverage/equity

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<!-- capability_id: cap.naval.wealth-structure | revision: 1 | status: active -->
<!-- 来源: books/naval-almanack-skill/wealth-structure/SKILL.md（正文逐字保留） -->

# 财富结构：责任 + 产权 + 杠杆 + 避免出局

## R — 原文 (Reading)

> 你无法通过廉价出租自己的时间而致富。你必须拥有产权——生意的一部分（如股权）——获得个人的财务自由。……商业杠杆主要有资本、人力、复制成本极低的产品（代码和媒体）。
>
> — 纳瓦尔·拉维坎特, 《纳瓦尔宝典》 第一章·财富

## I — 方法论骨架 (Interpretation)

致富不是靠工作更努力，而是靠改变收入的结构：
① **不卖时间**——工资是「为别人承担风险的人打工」拿的最低报酬，退休即断；
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