What if you could skip four years of university and still walk away with the knowledge that actually matters? What are the real ideas from a finance degree that can change how you think about money, risk, and your future, not just in theory, but in real life? In this smart, practical discussion, Charles will break down the top four things from his finance degree that turned out to be genuinely useful, helping him pay off his student loans and become debt-free by 23._x000D_ _x000D_ We’ll explore powerful, life-shaping concepts like the time value of money, why markets are so hard to beat, how to think clearly about risk depending on where you are in life, and what actually makes a portfolio strong. You’ll get to try out thought experiments, challenge your own assumptions, and maybe even shift the way you plan your financial future. Whether you’re curious about investing, sceptical about Wall Street, or just want to feel smarter and more in control with money, bring your questions—and maybe a calculator—for this eye-opening session!_x000D_ _x000D_ 如果你能跳过四年的大学课程，直接获得那些真正重要的知识，你会不会考虑？一个金融学位到底能带来哪些能改变你看待金钱、风险与未来的理念？本次分享中，Charles将回顾他从金融专业中总结出的四个最有用的知识点，这些理念帮助他在23岁前还清学生贷款，实现无债生活。_x000D_ _x000D_ 我们将探讨一些关键概念，比如货币的时间价值、市场为何难以战胜、如何根据人生阶段思考风险，以及什么才是真正坚实的投资组合。你将体验一些思维实验，挑战自我认知，也许还能改变你规划财务未来的方式。不论你是对投资充满兴趣、对华尔街持怀疑态度，还是只想提升对金钱的掌控感，欢迎带着你的问题——甚至一台计算器——加入我们。