Individual skill
wealth-structure
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
benchmarks/naval/prototypes/compact-pack/wealth-structure/SKILL.md
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- Nov 9, 2026
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SKILL.mdcore · 5,859 bytestest-prompts.jsonasset · 2,310 bytestest-results.mddoc · 1,175 bytes
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# 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;
② **要产权**——股权、知识产权、品牌才能让睡觉时也有收入,实现非线性赚钱;
③ **加杠杆**——人力/资本需要许可,代码和媒体无需许可且最民主;