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总结
巴菲特在新年理财建议中强调，应先把收入用于储蓄与长期投资，再用剩余资金消费，即“不要把剩下的留作储蓄，而要把储蓄后剩下的用于花费”。他同时提醒投资者在股市下跌时保持冷静，避免情绪化抛售，并以其价值投资理念为准则，只在标的通过基本面与安全边际等检验时才出手。这些观点旨在帮助普通投资者建立收支纪律、提升抗波动能力并形成长期回报预期。
正文
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