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Personal Finance Strategy敢於突破傳統理念
學習高端優化策略
You cannot earn money beyond your own understanding. These breakthrough concepts are revolutionizing traditional finance practice — and will take your thinking to a higher dimension. 赚不到认知以外的钱！这些突破性理念将徹底颠覆投资理财的传统认知，带您进入更高的维度。
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30,000+ Members免费会员
3 万多名学员
Sign up for a free membership at the 9Fortunes Wealth Club to attend free webinars across the whole range of essential topics — personal finance, investment, career development, college planning, entrepreneurship, and physical and mental health. There are live sessions every day. 请点击链接，注册九鑫免费学员，或激活九鑫会员账号。成为会员后，利用九鑫平台学习金融理财或者生意创业，随时查看行业大咖的精彩公益课程。每天都有丰富的线上视频直播和公益讲座，注冊學員后可一鍵登錄上課。
Members can also enter draws, accumulate air miles, share in profit, and pass their own SmartLink to family and friends so they can use these free resources too. And anyone can teach — if you have something that would benefit 30,000 members, come and give a lecture. 也可参加抽奖，积攒飞行里程数，利润分成等。也可以把自己专属链接 SmartLink 分享给亲朋好友，让他们也先用这些免费优质资源。任何会员也可以上来讲课分享，让 3 万多会员因您受益。
Topics across the platform九鑫各大板块
财富思维 & 非凡理財Wealth Mindset & Extraordinary Finance
Fundamentals of
Personal Finance Science家庭财务的基本原理
A scientist's view of investing: follow first principles, use rational logic, and compare with formulas, charts, and quantitative data. The underlying logic of family financial planning weighs growth, perpetual income, and risk protection together. 一个科学家的投资理财观：遵循第一原理，采用理性逻辑，公式方程图表，定量数据分析比较。家庭财务规划的底层逻辑：综合考量财富增长 / 永续收入 / 风险保障。
- The limits of traditional investing传统投资理财的局限性
- The "Three Laws" of investing and personal finance理财投资的「三大定律」
- The X-Curve — breaking the financial curse of a lifetimeThe X-Curve：破解一生的财务魔咒
- The Universal Wealth Equation explains all of household finance广义财富方程解释全部家庭财务 (Universal Wealth Equation)
- Why the MaxLife Strategy is the ideal universal tool for optimizing the equation — all parameters at once万福策略 (MaxLife Strategy) 是实施财富方程最优化最理想的万能工具 (如何同时优化财富方程所有参数)
- What is the same and what differs: MaxLife Strategy, FIUL, annuity, Kai-Zen, premium financing, financed real estate, funds and stocks, physical property有什么异同点：万福策略、万能病寿保、养老年金保、Kai-Zen、保费融资、金融房、基金股票、实体房
- Why the MaxLife Strategy outperforms traditional investment approaches为什么万福策略会优于传统投资理财方法
- Why an annuity beats a traditional retirement plan (401k, IRA) — and why an existing 401(k) may belong in one为什么养老年金会优于传统退休计划 (401K, IRA)；为什么现有 401K 要转到养老年金计划
- Evaluating every investment on one common yardstick — the big data comparison: stocks and funds, 401(k)/IRA, annuity, rental property, cash-value life insurance用统一标尺定量评估各类投资：哪种理财产品更合适？数据大拼比：股市基金、401K/IRA、年金、投资房、投资寿险
- High-end optimization beyond traditional finance: the Universal Wealth Equation and the MaxLife Strategy突破传统理财的高端优化策略：广义财富方程 和 万福策略
- The two lifetime strategies (MaxLife and MaxRetire) — high lifetime passive income, made simple受益终生的两大理财策略 (MaxLife and MaxRetire Strategy)；轻松获取高额终身被动收入
- Insurance from every angle — defusing life's risks保险面面观：化解人生各类风险
- The complete tax-saving playbook — how to save tens of thousands a year省税避税策略大全：如何每年省下几万美元税负
- A CPA walks through filing and tax-saving technique, live会计师现场指导：报税省税技巧
- The complete college financial-aid playbook — saving tens of thousands a year大学助学金策略大全：如何每年省下几万美元大学费用
- How passive income actually gets created: employment, self-employment, business, investment如何产生被动收入：被雇、自雇、创业、投资
- The complete retirement playbook — government, employer, or yourself?退休养老策略大全：靠政府、雇主、还是自己？
- Understanding Obamacare and Medicare谈奥巴马健保 (Obamacare) 和联邦退休医疗保险 (Medicare)
Beyond the Core更多板块
Four More Tracks另外四大方向
Recent and recurring sessions from the wider platform — taught by practitioners, open to every member. 平台上近期与常设的精彩讲座，由一线从业者主讲，所有会员均可参加。
Essential Savings刚需消费优惠
- Saving money on essential service expenditures刚需消费的省钱攻略
- How to cut 10–60% off health coverage, electricity, gas, Internet, and mobile如何节省 10-60% 的医保 / 电力 / 燃气 / 宽带 / 手机等日常刚需消费
- Impact health sharing — a better alternative to traditional medical insuranceImpact 健康互助计划 —— 传统医疗保险的更优替代
Real Estate地产投资
- Silicon Valley school-district housing — a complete guide from choosing the school to closing深入了解硅谷学区房：从选校到购房的完全指南
- The Bay Area market — is it the moment to buy, sell, or trade up?湾区房市最新情况如何？是买房、卖房或换房的好时机吗？
- Seattle — the largest value gap in the country?地产系列讲座：西雅图 —— 全美最大价值洼地？
Lending & Credit商业贷款及信用融资
- Why we run Airbnb为什么我们做 Airbnb
- A practical guide to avoiding the traps when buying — and inside California's Dream For All second round超实用的买房避坑指南以及揭秘加州逐梦计划第二期贷款项目
Entrepreneurship团队创业
- Leadership, team building and marketing — low-risk startup skills领导力，团队建设与营销，低风险创业技能培训
- Tax secrets for the self-employed and business owners自雇主和企业老板的省税秘诀
- Legal issues to weigh when taking a business overseas跨境讲座 —— 企业出海要考虑的法律问题
- Owners and property investors: building the tax and legal wall企业主 & 地产投资人：如何筑起「税」「法」城墙
Personal growth 个人提升个人提升 Personal Growth
Sessions on resilience through hardship, family happiness and marriage, helping children thrive in a fiercely competitive decade, women's challenges and opportunities in the AI era, balancing career and family, and living well — including the long-running "Light the Lamp" interview series. 涵盖挫折中的心理韧性、与爱共舞与家庭幸福力、婚姻成长加油站、如何协助孩子赢在未来最卷的十年、AI 时代女性的挑战与机遇、职场与家庭的平衡之道，以及长期连载的「点亮心灯」系列访谈。
It Costs Nothing to Start免费开始
Learn First. Decide Later.先学习，再决定
Enrollment is free and there is no obligation to buy anything, ever. Come to a class, ask hard questions, and judge for yourself. 注册完全免费，永远没有购买任何产品的义务。来上一堂课，提最尖锐的问题，然后自己判断。