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<title>从中指备用金说起 - 精益副业</title>
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<ol class="chapter"><li class="chapter-item expanded "><a href="index.html"><strong aria-hidden="true">1.</strong> 精益副业</a></li><li class="chapter-item expanded "><a href="01.html"><strong aria-hidden="true">2.</strong> 为什么副业特别重要</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="0101.html"><strong aria-hidden="true">2.1.</strong> 职业可能性</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="010101.html"><strong aria-hidden="true">2.1.1.</strong> 职业的四大象限</a></li><li class="chapter-item expanded "><a href="010102.html"><strong aria-hidden="true">2.1.2.</strong> 没有副业的职业</a></li><li class="chapter-item expanded "><a href="010103.html"><strong aria-hidden="true">2.1.3.</strong> 副业带来的可能性</a></li></ol></li><li class="chapter-item expanded "><a href="0102.html"><strong aria-hidden="true">2.2.</strong> 职业自由度</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="010201.html" class="active"><strong aria-hidden="true">2.2.1.</strong> 从中指备用金说起</a></li><li class="chapter-item expanded "><a href="010202.html"><strong aria-hidden="true">2.2.2.</strong> PlanB和反脆弱</a></li><li class="chapter-item expanded "><a href="010203.html"><strong aria-hidden="true">2.2.3.</strong> 全新的工作自由度</a></li></ol></li><li class="chapter-item expanded "><a href="0103.html"><strong aria-hidden="true">2.3.</strong> 职业成长性</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="010301A.html"><strong aria-hidden="true">2.3.1.</strong> 新技术练兵场</a></li><li class="chapter-item expanded "><a href="010302.html"><strong aria-hidden="true">2.3.2.</strong> 业务敏感度</a></li></ol></li></ol></li><li class="chapter-item expanded "><a href="02.html"><strong aria-hidden="true">3.</strong> 如何优雅地做副业</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="0201.html"><strong aria-hidden="true">3.1.</strong> 想明白核心资源和核心优势</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="020101.html"><strong aria-hidden="true">3.1.1.</strong> 副业的核心资源</a></li><li class="chapter-item expanded "><a href="020102.html"><strong aria-hidden="true">3.1.2.</strong> 副业的核心优势</a></li></ol></li><li class="chapter-item expanded "><a href="0202.html"><strong aria-hidden="true">3.2.</strong> 时间片</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="020201.html"><strong aria-hidden="true">3.2.1.</strong> 时间片的销售</a></li><li class="chapter-item expanded "><a href="020202.html"><strong aria-hidden="true">3.2.2.</strong> 时间片的优化</a></li><li class="chapter-item expanded "><a href="020203.html"><strong aria-hidden="true">3.2.3.</strong> 突破时间片限制</a></li></ol></li><li class="chapter-item expanded "><a href="0203.html"><strong aria-hidden="true">3.3.</strong> 资产和被动收入</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="020301.html"><strong aria-hidden="true">3.3.1.</strong> 什么是资产</a></li><li class="chapter-item expanded "><a href="020302.html"><strong aria-hidden="true">3.3.2.</strong> 资产的获得方式</a></li><li class="chapter-item expanded "><a href="020303.html"><strong aria-hidden="true">3.3.3.</strong> 资产的量化评估</a></li></ol></li></ol></li><li class="chapter-item expanded "><a href="03.html"><strong aria-hidden="true">4.</strong> 优选资产</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="0301.html"><strong aria-hidden="true">4.1.</strong> 知识和人脉的变现</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="030101.html"><strong aria-hidden="true">4.1.1.</strong> 付费视频课</a></li><li class="chapter-item expanded "><a href="030102.html"><strong aria-hidden="true">4.1.2.</strong> 付费专栏</a></li><li class="chapter-item expanded "><a href="030103.html"><strong aria-hidden="true">4.1.3.</strong> 付费社群</a></li><li class="chapter-item expanded "><a href="030104.html"><strong aria-hidden="true">4.1.4.</strong> 图书出版</a></li></ol></li><li class="chapter-item expanded "><a href="0302.html"><strong aria-hidden="true">4.2.</strong> 自有产品和服务</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="030201.html"><strong aria-hidden="true">4.2.1.</strong> 应用市场卖APP</a></li></ol></li></ol></li><li class="chapter-item expanded "><a href="04.html"><strong aria-hidden="true">5.</strong> 精益副业</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="0401.html"><strong aria-hidden="true">5.1.</strong> 精益副业流程</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="040104.html"><strong aria-hidden="true">5.1.1.</strong> 商业模式画布</a></li><li class="chapter-item expanded "><a href="040105.html"><strong aria-hidden="true">5.1.2.</strong> 最小可行产品和产品市场契合</a></li></ol></li><li class="chapter-item expanded "><a href="0403.html"><strong aria-hidden="true">5.2.</strong> 精益独立开发实践</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="040301.html"><strong aria-hidden="true">5.2.1.</strong> 独立开发的精益流程</a></li><li class="chapter-item expanded "><a href="040302.html"><strong aria-hidden="true">5.2.2.</strong> 福利单词项目简介</a></li><li class="chapter-item expanded "><a href="040303.html"><strong aria-hidden="true">5.2.3.</strong> 福利单词的商业模式画布</a></li><li class="chapter-item expanded "><a href="040304.html"><strong aria-hidden="true">5.2.4.</strong> 通过用户画像细化客户</a></li><li class="chapter-item expanded "><a href="040305.html"><strong aria-hidden="true">5.2.5.</strong> 画像→场景→功能和分期</a></li><li class="chapter-item expanded "><a href="040306.html"><strong aria-hidden="true">5.2.6.</strong> 什么是好的商业设计</a></li><li class="chapter-item expanded "><a href="040307.html"><strong aria-hidden="true">5.2.7.</strong> 人人能用的四大原则</a></li><li class="chapter-item expanded "><a href="040308.html"><strong aria-hidden="true">5.2.8.</strong> 独特Logo解决方案</a></li><li class="chapter-item expanded "><a href="040309.html"><strong aria-hidden="true">5.2.9.</strong> 使用AdobeXD设计界面</a></li><li class="chapter-item 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aria-hidden="true">5.4.</strong> 进一步提升副业的鲁棒性</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="040401.html"><strong aria-hidden="true">5.4.1.</strong> 网课+独立开发的双引擎副业模式</a></li></ol></li></ol></li></ol>
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<h1 id="从中指备用金说起"><a class="header" href="#从中指备用金说起">从中指备用金说起</a></h1>
<p>前面说了副业给我们的职业带来了更多的可能性，接下来我们就来看，副业给我们的职业带来的更大的自由度。</p>
<p>首先是职业选择的自由。</p>
<p>这里我们先来讲一个比较有意思的概念，它叫做 F*** you money。这是国外的一个词，我们把它翻译成「中指备用金」。</p>
<p>它指的是一笔钱，数量大概是这个样子：突然有一天你跟老板闹翻了，你可以竖起中指，跟他讲说老子不干了，然后辞职回家。在这种情况下，你的生活质量也不会受到影响。</p>
<p>标准意义上的「中指备用金」，其实是和财务自由差不多额度的一笔钱，是以「不工作」为前提的。如果大家在北上深，要做到财务自由还是很难的。</p>
<p>我们这里要讲的是以「换工作」为前提的一个低配版本。也就是说，你可以随意裸辞，在找到下一份满意的工作之前，这段可能会长达半年甚至一年的时间里，没有任何收入，但你的生活品质不会受到太大影响。</p>
<p>很多年轻一点的同学可能觉得根本不需要这种备用金，因为现在的 90 后 00 后正是这么干的。但是当你的年龄稍微大一些，还着房贷车贷、养着老人小孩的时候，要是突然没有收入来源，压力实际上是非常大的。</p>
<p>而副业，恰恰可以为我们提供这么一笔钱。可能总额不大，但可以持续不断的提供。</p>
<p>比如我现在的课程放到网易云课堂上，即使自己不在微博去做主动的营销推广，通过网易平台上的自然流量进行的课程转化，也会有几千块钱。</p>
<p>我现在在重庆生活，这边房租非常的便宜，一个近七十平的小两居，房租每月不到两千。加上日常花销，也就几千块钱。所以现在即使不去上班挣钱，副业也可以在相当长的一段时间里保证我的基本生活不受影响。</p>
<p>这种情况下，我们就可以花更多的时间去思考自己的职业、未来和人生。去做一些短期内收入不明显，但长期收益巨大的决定。</p>
<p>这也就是副业带来的选择自由。</p>
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