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最強儲蓄體質：只要存下20萬，人生就會從此改變！: KURAMA : 4050 KURAMA 20FIRE Step 1 Step 220200 1025 20 20 20100200 20 50 KURAMA 3002000 YouTube
作者: KURAMA | 譯者: 張瑜庭
你對現在的人生感到不安嗎？
你是低薪過勞的「零存族」嗎？
貸款好像怎麼還也還不完？
40、50歲才開始存錢還來得及嗎？
你真的能養活自己一輩子？
老後資金、各種貸款、子女教育金、被動投資……對金錢有著滿滿的焦慮感，想過得好，貧窮感卻愈來愈強烈……這本書正是要寫給帳戶總是見底，卻最需要錢的你！
▌日本人氣網紅KURAMA告訴你真相
「一輩子都不用為錢煩惱的人，以及存不了錢、終其一生貧窮的人，兩者之間的分歧點就在於『區區20萬』存款。」想要過上FIRE自由人生，關鍵不在於你能賺多少，而是你能存多少！
▌養成強大「儲蓄體質」的財務自由之路
✦Step 1：認清窮人的生活習慣病！→再不擺脫貧窮病，你就是在慢性自殺！！
窮人的抱怨：「我根本不懂理財投資」「學歷差進不了好公司」「誰教我年收這麼低」
窮人的行動：不清楚自身收支光憑感覺花錢、沒什麼錢還是要買房買車辦婚禮、老是從眾追逐潮流賺愈多花愈多。
✦Step 2：先存到20萬，就能存到200萬的魔鬼儲金術！
────開立三種帳戶
────減少固定支出和變動支出（隱形浪費）
────錢包裡不放鈔票，多放小額硬幣
────選擇能儲蓄的公司與工作
────不當擁車族
────盡量不投保
────不刻意省水節電（不追求精打細算省下的錢）
────從存下實際收入的10％到挑戰25％
────高價品買二手的
────從生活周遭的反面教材中學習
────存到20萬以前先壓低生活水準
────找到不花錢的樂趣
────省錢＞賺錢
────確立一種簡單舒服的生活方式
「理財」這門學問的必修課中，最重要的就是「儲蓄課」。
「養成強大儲蓄體質」的第一道關卡，正是「區區20萬」的高牆。
只要存下20萬，你就能存到100萬、200萬，找回掌控財務與人生的主導權！
────「只要存下20萬日圓，人生就會從此改變！」────
✦十幾歲的學生就能存錢，就算50歲才開始也不嫌晚。
✦為了擁抱幸福的人生下半場，請先透過這本書培養出強大的「儲蓄體質」
✦充分了解儲蓄的戰術、陷阱與喜悅，這本書將帶你通往財務自由的夢想人生！
你是低薪過勞的「零存族」嗎？
貸款好像怎麼還也還不完？
40、50歲才開始存錢還來得及嗎？
你真的能養活自己一輩子？
老後資金、各種貸款、子女教育金、被動投資……對金錢有著滿滿的焦慮感，想過得好，貧窮感卻愈來愈強烈……這本書正是要寫給帳戶總是見底，卻最需要錢的你！
▌日本人氣網紅KURAMA告訴你真相
「一輩子都不用為錢煩惱的人，以及存不了錢、終其一生貧窮的人，兩者之間的分歧點就在於『區區20萬』存款。」想要過上FIRE自由人生，關鍵不在於你能賺多少，而是你能存多少！
▌養成強大「儲蓄體質」的財務自由之路
✦Step 1：認清窮人的生活習慣病！→再不擺脫貧窮病，你就是在慢性自殺！！
窮人的抱怨：「我根本不懂理財投資」「學歷差進不了好公司」「誰教我年收這麼低」
窮人的行動：不清楚自身收支光憑感覺花錢、沒什麼錢還是要買房買車辦婚禮、老是從眾追逐潮流賺愈多花愈多。
✦Step 2：先存到20萬，就能存到200萬的魔鬼儲金術！
────開立三種帳戶
────減少固定支出和變動支出（隱形浪費）
────錢包裡不放鈔票，多放小額硬幣
────選擇能儲蓄的公司與工作
────不當擁車族
────盡量不投保
────不刻意省水節電（不追求精打細算省下的錢）
────從存下實際收入的10％到挑戰25％
────高價品買二手的
────從生活周遭的反面教材中學習
────存到20萬以前先壓低生活水準
────找到不花錢的樂趣
────省錢＞賺錢
────確立一種簡單舒服的生活方式
「理財」這門學問的必修課中，最重要的就是「儲蓄課」。
「養成強大儲蓄體質」的第一道關卡，正是「區區20萬」的高牆。
只要存下20萬，你就能存到100萬、200萬，找回掌控財務與人生的主導權！
────「只要存下20萬日圓，人生就會從此改變！」────
✦十幾歲的學生就能存錢，就算50歲才開始也不嫌晚。
✦為了擁抱幸福的人生下半場，請先透過這本書培養出強大的「儲蓄體質」
✦充分了解儲蓄的戰術、陷阱與喜悅，這本書將帶你通往財務自由的夢想人生！
作者
KURAMA
擁有財務規畫師證照的上班族。現居東京，工作第一年就還清近300萬日圓的學貸，四年半後存款已達2000萬日圓。
開設YouTube頻道「倹者の流儀」（暫譯：省錢一族都這樣做），介紹自己的存錢祕訣和理財技巧，引發熱烈迴響。透過輕鬆分享個人真實的成功與失敗經驗談，以及淺顯易懂的財務管理解說，獲得廣大訂閱支持。
本書為其第一本著作，上市不久即好評再刷，並且獲得許多節約系網紅推薦。
譯者
張瑜庭
台大日文系畢業，曾到日本御茶水女子大學交換留學。現為兼職接案譯者，平日也與翻譯文字為伍。譯有《對症骨盆回正訓練》等書。
擁有財務規畫師證照的上班族。現居東京，工作第一年就還清近300萬日圓的學貸，四年半後存款已達2000萬日圓。
開設YouTube頻道「倹者の流儀」（暫譯：省錢一族都這樣做），介紹自己的存錢祕訣和理財技巧，引發熱烈迴響。透過輕鬆分享個人真實的成功與失敗經驗談，以及淺顯易懂的財務管理解說，獲得廣大訂閱支持。
本書為其第一本著作，上市不久即好評再刷，並且獲得許多節約系網紅推薦。
譯者
張瑜庭
台大日文系畢業，曾到日本御茶水女子大學交換留學。現為兼職接案譯者，平日也與翻譯文字為伍。譯有《對症骨盆回正訓練》等書。
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4.5 ★★★★★
Based on 6 reviews
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Product Reviews
★★★★★ 5
my new favorite book
Format: Kindle
Ok so I never write reviews but this book was so good I felt the need to write this. Firstly your introduced to Huntyr you see her closed off hard core badass than towards the end you see the most subtle change and growth it’s amazing and the enemies to friends to lovers was just perfect, AND THE TWIST AT THE END GOT ME GOOD! You see one spicy scene the whole book but it doesn’t even MATTER BECAUSE THE BOOK WAS THAT GOOD. I’ve read 85 books in 2023-2024 so far and I’m pround to say this is my all time favorite. I’m so excited to read more of Emily Blackwoods books, this was my first time reading one of hers and I’m glad I did because HOLY!! Well done Emily well done
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Reviewed in the United States on February 23, 2024
★★★★★ 4
Fast paced romantasy you will not want to put down!
Format: Kindle
4.25 stars! I LOVED this book with similar vibes to Hush Hush, Fourth Wing, and The Serpent and the Wings of Night! It was fast paced with easy world building and will keep you turning the pages late into the night because you will not want to put it down!
Huntyr is a fierce bad@ss FMC trained to kill vampyres her entire life. She is sent on a mission to go to the academy and earn her spot into The Golden City. Upon arrival, she is forced to room with the delicious fallen angel, Wolf, who is the only one who knows about her assassin identity. The romance, the plot twists, the secrets revealed, the battles, and the tantalizing training scenes had me hooked! And that ending…. I’m holding my breath in need to know hell!
Read if you love:
🪽 Fae, Vampyres, Fallen Angels
🪽 Academy setting with magical trials
🪽 Forced proximity and slow burn
🪽 Rivals to lovers
🪽 Hidden identities and secrets
🪽 Tend your wounds
“𝘖𝘧 𝘤𝘰𝘶𝘳𝘴𝘦 𝘐 𝘸𝘢𝘴 𝘸𝘢𝘵𝘤𝘩𝘪𝘯𝘨 𝘺𝘰𝘶. 𝘐 𝘤𝘰𝘶𝘭𝘥𝘯’𝘵 𝘭𝘰𝘰𝘬 𝘢𝘸𝘢𝘺 𝘧𝘰𝘳 𝘢 𝘮𝘰𝘮𝘦𝘯𝘵, 𝘦𝘷𝘦𝘯 𝘪𝘧 𝘐 𝘵𝘳𝘪𝘦𝘥.”
“𝘐𝘧 𝘺𝘰𝘶 𝘸𝘢𝘯𝘵 𝘮𝘦 𝘰𝘯 𝘮𝘺 𝘬𝘯𝘦𝘦𝘴, 𝘏𝘶𝘯𝘵𝘳𝘦𝘴𝘴, 𝘢𝘭𝘭 𝘺𝘰𝘶 𝘩𝘢𝘷𝘦 𝘵𝘰 𝘥𝘰 𝘪𝘴 𝘢𝘴𝘬.”
“𝘠𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘯𝘰𝘸 𝘵𝘩𝘦 𝘷𝘪𝘰𝘭𝘦𝘯𝘤𝘦 𝘵𝘩𝘢𝘵 𝘳𝘶𝘯𝘴 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘮𝘺 𝘷𝘦𝘪𝘯𝘴, 𝘣𝘦𝘨𝘨𝘪𝘯𝘨 𝘮𝘦 𝘵𝘰 𝘰𝘣𝘭𝘪𝘵𝘦𝘳𝘢𝘵𝘦 𝘢𝘯𝘺𝘰𝘯𝘦 𝘸𝘩𝘰 𝘭𝘢𝘺𝘴 𝘢 𝘩𝘢𝘯𝘥 𝘰𝘯 𝘺𝘰𝘶.”
WAS THIS REVIEW HELPFUL?YesReportShare
Reviewed in the United States on June 12, 2024
★★★★★ 5
Excellent Rivals to Lovers!!
Format: Kindle
The tension and banter between Huntyr and Wold was delectable. I absolutely love the fallen angel and all of his flaws. Huntyr is amazing too being a badass FMC with some major trauma. The world building was great and I enjoyed the training aspect of the story. The writing was immersive and was in the story the whole time. The ending had quite a twist that I hadn’t anticipated and made my jaw DROP. Excellent job! I also loved the narration. Laura is one of my fave narrators!
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Reviewed in the United States on August 15, 2025
★★★★★ 5
Fallen Angels, fae, vampires, oh my!
Format: Kindle
Rating: 4.5 | Spice: 2 (but a good slow-burn)
•
Main Characters: Huntyr and Wolf
•
I couldn’t wait to read this book; there was so much hype about it! And there was no doubt why. I fell in love with the characters and the plot itself. This book is mainly plot driven more than friction driven but it’s easy to follow along with. The characters are fun, easily understood. The main setting is at an academy where both the main characters are going through trials and building strength for the final test, The Transcendent. There are fantastic side characters as well. I loved the camaraderie between Huntyr and her friends. But we don’t like Lanson. 😆
We do have some plot twists that come into play throughout the book. Secrets and betrayal to be seen. I did adore Wolf and Huntyr’s relationship. It was a classic slow burn trope. They didn’t hit it off fast, but in time their feelings grew. I loved their banter, so sexy. Wolf is your next book boyfriend; Huntyr is your next vampire assassin independent bad-a*s female. Themes include loyalty, trust, self-discovery, a true slow burn romance. Side note: book ends on a angsty cliffhanger!
•
Emily, thank you for writing this awesome novel and I cannot wait to devour Book 2, Blood So Brutal! 😍
•
Happy reading, my lovelies! xo
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Reviewed in the United States on January 21, 2024
★★★★★ 4
“My heart bows to you and you only, Huntress.”
Format: Kindle
3.5 🌟
This book popped up in my KU recommended reading suggestions and the synopsis sounded like what I was in the mood for. I'm so glad I took a chance on it. I went into this knowing absolutely nothing about it and ended up really liking it. I love when this happens.
The main characters are likeable and I easily found myself rooting for them. There is a mystery element to each of their backstories that I enjoyed watching unfold and can't wait to get more of. Wolf, in particular, has me fixated. Love him.
I found this to be an entertaining, addictive read with a plot that moves along at a good pace. It reads so easily I found myself very reluctant to put it down. Lots of twists and turns and the angst is there. A good set up for the next book to come, for sure.
My issues with this book....the dialogue feels a bit juvenile at times and there is a repetitive over use of a particular word phrasing that I found myself giving the ole eye-roll to. There are, without a doubt, some pretty cliche moments that gave me a bit of the cringe. I think this could've certainly 100% benefited from more depth regarding the world building. Perhaps the world building was sacrificed to keep the pacing quick? Just a guess. Also, the lack of consistency of character for the FMC was really evident and so she feels quite illogical at times.
Overall, this was a fun and enjoyable read that hit the spot well enough for me. That ending certainly has me impatiently pining for book 2!
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Reviewed in the United States on June 18, 2024
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