The Fourth Dimension of Money (2 Volumes)

许骥Hangzhou Blue Lion Culture & Creative Co., Ltd. · ChinaMay 2023

3.2

Word count: 270K words
Chapters: 229

Summary

This set comprises two books: The Fourth Dimension of Money: Preserving and Passing On Wealth and The Fourth Dimension of Money II: Common Sense in Financial Literacy.

The “fourth dimension of money” means using financial and legal tools wisely to sustain wealth across generations. To achieve this, a comprehensive grounding in financial literacy is one of the necessary and sufficient conditions.

The Fourth Dimension of Money: Preserving and Passing On Wealth focuses on the wealth journey of China’s newly rich. In dealing with wealth, one must learn the concept of the fourth dimension of money and shift one’s mindset from appreciation to preservation. Drawing on real cases of newly rich Hong Kong families—such as the Ho, Chen, and Li families—it deepens insight into the newly rich and asset security.

The Fourth Dimension of Money II: Common Sense in Financial Literacy revolves around the concept of financial literacy. Compared with money, treasure, finance, assets, and capital, wealth is far richer in meaning—wealth is not only material but can also be spiritual. Financial literacy is the indispensable competitive edge in tomorrow’s society. Accordingly, it summarizes ten aspects: wealth mindset, wealth knowledge, wealth identity, wealth style, wealth habits, wealth investment, wealth security, wealth education, wealth responsibility, and wealth leadership, helping readers establish a sound view of wealth, better manage existing wealth, and map out future investment and financial planning ideas, thereby realizing the vision of the “fourth dimension of money.”

Editor's review

This set pulls “financial management” away from a simple rate-of-return narrative and places it within a longer chain of financial tools, legal arrangements, and family continuity. The first volume focuses on wealth preservation and inheritance among the newly rich, using Hong Kong family cases to discuss the practical difficulties of asset security and intergenerational handover; the second volume breaks financial literacy into ten dimensions—mindset, knowledge, identity, style, habits, investment, security, education, responsibility, and leadership—in an attempt to help readers build a more complete framework of wealth cognition. It promises no quick riches and offers no specific product recommendations; its value lies in helping readers shift their perspective from “appreciation” to “preservation and continuity,” making it suitable for a systematic review before major financial arrangements. It is best read as a conceptual framework rather than an operation manual; when encountering a case, ask one more question: would the same tools and ideas hold in one’s own family structure and legal environment?

Who it's for

A good fit for

Young and middle-aged readers with some accumulated assets who are beginning to consider preservation and inheritance arrangements
Those interested in family wealth management and intergenerational handover issues
Readers who wish to systematically sort out their personal views on wealth and their literacy framework
Professionals in wealth management, law, or financial services who need to understand clients’ long-term needs

Not a good fit for

Readers expecting specific investment targets or short-term trading techniques
Beginners with no stable income whose priority is basic bookkeeping and saving
Readers who want only light stories and are unwilling to engage with financial and legal concepts

Reading tips

Read the second volume first to build the ten-dimension framework of financial literacy, then return to the inheritance cases in the first volume; understanding will flow more smoothly.
After each family case, write down three pending questions about your own family’s asset security and handover.
List the financial and legal tools mentioned in the book and mark which ones require consulting a professional before judging.
The two volumes need not be read in one sitting; proceed in three stages—concepts, cases, tools—taking notes as you go.

About the publisher

Hangzhou Blue Lion Culture & Creative Co., Ltd. China · Founded in 2005

Hangzhou Blue Lion Culture & Creative Co., Ltd. is a cultural institution dedicated to planning and publishing books on finance and business. Its publishing focuses on finance and management while also covering social psychology, history, travel and biography, with 130 titles currently in the catalog. Representative books include The Middle Passage, the Boiling Trilogy: China's Internet 1995–2020 and Everyone Is a Product Manager, as well as Fu Guoyong's Lead and Supporting Roles, The Confidence of Literati and Misunderstandings Deep in History, and Wu Xiaobo's What Kind of Monster Is the Official-Merchant? Its authors include Wu Xiaobo, Lin Jun, Hu Zhe, Su Jie, Fu Guoyong and James Hollis, among Chinese and international writers. In terms of publishing style, it emphasizes accessible and case-based writing on business issues while balancing historical and humanistic perspectives. It should be noted that, apart from the catalog information, public materials on its full publishing history and institutional development are limited.

版权信息
钱的第四维：财富的保值与传承
自序我们不请自来，但不能不辞而别
1 新富阶层与财富安全
中国私人财富趋势
新富的三大特征
新富的投资习惯
钱的第一维：体力
钱的第二维：脑力
钱的第三维：金钱力
钱的第四维：时间力
自私性原则
财富安全这头“灰犀牛”
案例一富过五代，把一代代人栽培成家族栋梁——李佩材家族
2 新富的财富策略
从增值到保值
高净值≠富有
浮士德的赌局
“手滑鼻祖”的忠告
拒绝“反金融”
永远不要感情用事
全球性眼光
男性财富观：进取
女性财富观：稳健
案例二家有悍妻，宁波籍香港富豪遗愿难圆——陈廷骅家族
3 财富工具细细谈
新富的财富困扰
简单方案：遗嘱
持续方案：信托
善良方案：基金会
风险方案：企业
沉重方案：物业
安全方案：保险
稳重方案：定投
轻松方案：套利
案例三带着家族使命来到世上的人运气不会太差——何鸿燊家族
4 财富和自由总有距离
自由不是免费的
幸福转折点
“单一”风险
政治风险
慈善还是伪善
显得不那么有钱
移民的风险
战胜“黑天鹅”
家庭关系风险
案例四温州籍亚洲女首富两次争产——华懋家族遗嘱案
5 人际关系面面观
孤独：创富者
辅助：配偶
孝敬：父母
意外：再婚
继承：子女
考虑：兄弟姐妹
难题：非亲属关系的伙伴
义气：合伙人
风险：债务关系
案例五哥哥花花公子，弟弟影视大亨，百亿家族为何没有兄弟阋墙——林百欣家族
6 无处遁形的财富
天下大势，征税竞争
国际税务原则
CRS下资产藏不住
理清思路，明确目标
数字货币的未来
遗产税该不该征
中国香港税务优势
用钱追钱
新富小趋势
案例六顺德穷小子逆袭成为“最强赘婿”，培养最强孙子接班商业帝国——郑裕彤家族
7 与专业人士合作
专业主义
守护：律师
省钱：会计师
防卫：银行家
保值：保险顾问
规划：家族办公室
持续：创业家
智囊：知识分子
健康：医生
案例七有超前的意识，却踏错了一步，百岁老人的争产战争——罗鹰石家族信托案
8 为家族做对的事
家族风险评估
积善之家
知行合一
摆脱消费主义
新家族主义
家学与家风
沟通的艺术
认识人脉
马太效应与老子效应
案例八包青天后代成“世界船王”，爱国爱乡谱写一代传奇——包玉刚家族
9 穿过窄门的勇气
金钱的本质
运用信息的能力
勇气是种美德
给自己画个坐标系
避免“单向度”思考
穿过窄门
家族内卷
立于不败之地
以终为始
案例九香港最大隐形富豪，低调家风历久弥新——何英杰家族
后记一点感想
钱的第四维Ⅱ：财富素养常识
序言什么是财富素养？
第一章财富思维
1 有钱人是不是更坏？
2 财富越多，问题越多
3 什么是“企业家精神”？
4 创富者都是好销售
5 社会为什么需要有钱人？
6 唯一可靠的是历史
7 败局始于盲目自信
8 为什么有人喜欢发明新概念？
9 时间是最珍贵的财富
案例一三个诸葛亮，败给臭皮匠——美国“天团”长期资本管理公司溃败事件
第二章财富知识
1 一切问题在于经济
2 当代青年如何看待“资本家”
3 投资的“保守主义”与“经验主义”
4 做好财富战略规划
5 如何设定财富目标
6 对“退休”的正确理解
7 垄断的五种形态
8 为什么要容许个人破产？
9 中国未来哪里有前途
案例二怎样从“鬼屋”赚钱——“铺王”邓成波的港式生意经
第三章财富身份
1 身份与认同
2 中国人的“君子人格”
3 恻隐心与羞耻心
4 “贵族”的合法性来源
5 卖掉城堡还是“贵族”吗？
6 暴得大名怎么办？
7 如何制定“家族宪章”
8 家族中需要哪些专才
9 “本土人”与“世界人”
案例三靠做假账创造600亿“巨无霸”公司——美国史上最大的企业丑闻“安然案”
第四章财富格调
1 谁来定义品味？
2 “以貌取人”的合理性
3 上流社会交际的潜规则
4 摆脱品牌消费的上流社会
5 如何优雅地发表观点？
6 “士”的精神与价值
7 怎样交朋友
8 要“博爱”还是“偏爱”？
9 与人和谐相处的10个关键词
案例四 “黑寡妇”为谋钱财买凶刺杀前夫——百年古驰豪门夺产浴血奇案
第五章财富习惯
1 富哥哥，穷弟弟
2 用习惯而非毅力坚持
3 富人没钱时在做什么？
4 为什么富人通常不胖？
5 如何保持精力？
6 存钱总比花钱强
7 经常总结自己的优劣势
8 如何提升审美？
9 需要提防的“大方”
案例五 “我的事都做完了，那还等什么呢？”——柯达创始人伊士曼的精彩人生
第六章财富投资
1 对“收益”的正确理解
2 对“风险”的正确理解
3 对“成本”的正确理解
4 对“时间”的正确理解
5 “核心资产”与“非核心资产”
6 投资的“利益一致性”
7 亦步亦趋跟随“周期”
8 为什么要成立“家办”？
9 再穷也要挤进富人圈
案例六《华尔街之狼》幕后真正的“狼王”——马来西亚“80后”官商勾结的惊天大骗局
第七章财富安全
1 没有财富安全，何谈财富自由
2 “人”是最大的风险
3 永远留出“安全边际”
4 对自己的投资负责
5 有节制的生活
6 个人信用作为金融工具
7 对健康越来越重视
8 为什么富豪喜欢负债生活？
9 一不小心就穷了
案例七本来只想赚点小钱，没想到创了个门派——“庞氏骗局”始作俑者的故事
第八章财富教育
1 最好的教育是“Bildung”
2 个体在家族和社会中拉扯
3 找到“停损点”和“停利点”
4 不同年纪的成功标准
5 冒名顶替症候群
6 有些人出生在罗马
7 怎样避免成为金钱的奴隶
8 战争时期如何理财
9 “打工人”的痛苦之源是工资
案例八史上最大欧洲商业弊案——意大利帕玛拉特伪造账目事件始末
第九章财富责任
1 拥财而死是一种“耻辱”
2 公益行为经济学
3 打造健康的“财富大气层”
4 公益的新问题与旧认知
5 新时代的公益
6 对公益事业的批评
7 三宗关于税法的争议
8 最热门的公益事业
9 再谈《财富的福音》
案例九从未正式推出，已经圈钱数十亿欧元——加密货币“维卡币”疑案
第十章财富领导
1 领导者是团队的天花板
2 有安全感的领导力
3 工具理性与价值理性
4 扁平化组织与意义的消解
5 摒弃工作与生活平衡
6 脆弱的力量
7 永远讲真话
8 如何做决策？
9 为什么有人喜欢抱怨？
案例十 “女版乔布斯”“硅谷最耀眼的明星”——骗徒霍尔姆斯的陨落之路
附录一离岸信托课程讲义
前言
1 离岸信托的基本概念
2 离岸信托的结构
3 离岸信托的种类
4 离岸信托的办理
5 离岸信托的运作
6 离岸信托、资产隔离和财富传承
7 离岸信托与婚姻
结语
附录二 100本参考书目
美洲作者
欧洲作者
亚洲作者

FAQ

What exactly does the “fourth dimension of money” mean?

According to the book, it means using financial and legal tools wisely to sustain wealth, rather than fixating on returns. It can be understood as bringing preservation, security, and inheritance into a single framework along the time dimension, so that wealth arrangements span a generational cycle.

In what order should the two volumes be read?

There is no fixed order. To build a conceptual framework first, start with the ten aspects of financial literacy in the second volume; if family cases and inheritance challenges interest you more, start with the first. The two volumes complement each other, and reading them in alternation can also deepen understanding.

Can the Hong Kong family cases in the book be copied directly?

Direct copying is not advised. The cases offer ways of thinking and awareness of problems, but family structures, legal environments, and asset forms differ. Readers should treat the cases as mirrors, judge which arrangements are feasible in their own situation, and consult professionals when necessary.

Can readers without a financial background understand it?

Yes. The two volumes focus on concepts and cases rather than being professional finance textbooks, and the terminology is not dense. Skip unfamiliar concepts for now, hold to the main thread of “preservation, security, inheritance,” and you will come away with a more complete understanding of wealth management.

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About the author

许骥 Author

Xu Ji is a Chinese author whose publicly available information is limited; what can be confirmed is that his writing centers on finance and economics. Three of his works are included here: The Fourth Dimension of Money: Preserving and Passing On Wealth, The Fourth Dimension of Money (two-volume edition), and The Fourth Dimension of Money II: Common Sense in Financial Literacy. All three focus on wealth management and personal financial literacy. Judging from their titles and themes, his books are aimed at general readers and families managing their finances, discussing how wealth can be preserved and passed down across generations, and what basic financial concepts and common sense people should possess. His style leans toward accessible explanation and the clarification of ideas rather than dense academic argument, which places his work within the finance and management reading category. Overall, Xu Ji is a Chinese finance writer whose work revolves around the theme of wealth.