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hourly-rate-time

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当用户纠结时间分配、问「这个琐事/外包值不值」「怎么安排时间」「离财务自由还差什么」时调用。 核心理念: 给时间定一个高得离谱的时薪, 低于时薪的事外包或不做; 退休=不为想象中的明天牺牲今天; 不随收入升级生活方式。 不适用于: 需要享受慢节奏的时刻（休息/家庭时间按定义不是浪费）。 Triggers: 时薪/时间管理/外包/琐事/排队/财务自由/退休/hourly rate/delegate

benchmarks/naval/prototypes/compact-pack/hourly-rate-time/SKILL.md

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# 时薪与时间资产

## R — 原文 (Reading)

> 为自己设定一个非常高的时薪期望值，并坚持下去。它应该看起来和感觉上都是高得离谱的。……退休就是不用再为想象中的明天而牺牲今天。当今天完成了，本身就完成了，你就退休了。
>
> — 纳瓦尔·拉维坎特, 《纳瓦尔宝典》 第一章·财富

## I — 方法论骨架 (Interpretation)

把「时间」当作人生唯一不可再生的资产来定价：
① **设定个人时薪**——高得离谱（作者没钱时也按 5000 美元/小时），它是自我价值声明；
② **用时薪做过滤**——低于时薪的琐事外包或不做，高于时薪的事亲自做，每个决定都换算时间成本；
③ **时间即自由**——「你永远不会比你设想的价值更高」，珍惜时间不是不能放松，而是不做不想做的事；
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