[{"data":1,"prerenderedAt":362},["ShallowReactive",2],{"article-salary-negotiation":3,"article-author-salary-negotiation":104,"article-related-salary-negotiation":121},{"id":4,"title":5,"author":6,"body":7,"category":92,"cover":93,"date":94,"description":95,"extension":96,"meta":97,"navigation":98,"path":99,"seo":100,"slug":101,"stem":102,"__hash__":103},"articles\u002Farticles\u002Fsalary-negotiation.md","談薪水前，先算出你的市場價","chiang-yu-feng",{"type":8,"value":9,"toc":84},"minimark",[10,14,18,21,24,47,51,54,69,72,75,81],[11,12,13],"p",{},"我當人資主管的那些年，看過太多求職者在薪資談判桌上，明明能力不差，卻因為不了解自己的市場行情，白白少談了一大截薪水。談判技巧固然重要，但真正決定你談判籌碼的，往往是談判前做的功課。",[15,16,17],"h2",{"id":17},"為什麼多數人不知道自己的市場價",[11,19,20],{},"大部分人對薪資的認知，來自於「上一份工作的薪水加一點」，而不是「這個職位在市場上真正值多少錢」。這種思維會讓你的薪資成長速度，永遠被自己過去的起薪綁架。",[15,22,23],{"id":23},"該怎麼查市場行情",[25,26,27,35,41],"ol",{},[28,29,30,34],"li",{},[31,32,33],"strong",{},"產業薪資調查報告","：許多人力銀行與顧問公司會定期發布特定產業與職位的薪資範圍，是相對客觀的起點。",[28,36,37,40],{},[31,38,39],{},"同業交流與人脈打聽","：透過信任的前同事、同業社群，了解類似職位的實際薪資範圍，通常比報告更貼近現實。",[28,42,43,46],{},[31,44,45],{},"實際投遞履歷測試水溫","：適度接觸市場上的其他機會，可以直接得到最真實的薪資報價，作為談判參考基準。",[15,48,50],{"id":49},"拆解-offer-的完整組成","拆解 Offer 的完整組成",[11,52,53],{},"薪資談判不該只看月薪數字，完整的報酬組成通常包含：",[55,56,57,60,63,66],"ul",{},[28,58,59],{},"本薪與獎金結構",[28,61,62],{},"年終與績效獎金的計算方式",[28,64,65],{},"股票或選擇權等長期激勵",[28,67,68],{},"福利與津貼，例如保險、教育訓練補助",[11,70,71],{},"只比較單一數字，很容易在整體評估上失真。",[15,73,74],{"id":74},"談判時機的選擇",[76,77,78],"blockquote",{},[11,79,80],{},"談判籌碼最強的時刻，往往不是在職滿一年的例行考核，而是在你手握其他 Offer，或是即將完成一個重大專案交付成果的時候。",[11,82,83],{},"實務上，我建議把薪資談判當成一個持續累積的過程，而不是臨時抱佛腳的單次事件：平時就整理自己的成果證據，定期關注市場行情變化，並在關鍵時機提出清楚、有數據支撐的訴求。談判不是要對方讓步，而是雙方基於事實，找到一個彼此都能接受的合理區間。當你手上有足夠的市場數據，談判時的底氣自然會不一樣。",{"title":85,"searchDepth":86,"depth":86,"links":87},"",2,[88,89,90,91],{"id":17,"depth":86,"text":17},{"id":23,"depth":86,"text":23},{"id":49,"depth":86,"text":50},{"id":74,"depth":86,"text":74},"精選文章","\u002Fimages\u002Farticles\u002Fsalary-negotiation.webp","2026-05-28","薪資談判的第一步不是話術，而是掌握足夠的市場行情數據。","md",{},true,"\u002Farticles\u002Fsalary-negotiation",{"title":5,"description":95},"salary-negotiation","articles\u002Fsalary-negotiation","7UCL0GbSzf0wfgz74VSY4xNyvgCGweMrK-Wy6SECla8",{"id":105,"title":106,"avatar":107,"bio":108,"category":109,"expertise":110,"extension":116,"featured":98,"meta":117,"name":118,"slug":6,"stem":119,"__hash__":120},"instructors\u002Finstructors\u002Fchiang-yu-feng.yml","高收入職涯教練","\u002Fimages\u002Finstructors\u002Fchiang-yu-feng.webp","曾任跨國企業人資主管逾十五年，參與超過千場薪資談判與績效評估作業，也主導過多次組織重整與人才留任專案，離職後轉為職涯教練，專門協助上班族突破薪資天花板。他擅長拆解企業的加薪與晉升邏輯，教學員用數據與市場行情替自己談出更好的待遇，開發的「談薪劇本演練法」已協助超過八百名學員在一次面談中平均爭取到一成以上的加薪幅度。他也長期研究斜槓與第二收入模式，鼓勵學員建立不依賴單一雇主的收入結構，打造屬於自己的職涯安全網。","職場技能",[111,112,113,114,115],"薪資談判","職涯規劃","個人品牌","第二收入","履歷面試","yml",{},"江御風","instructors\u002Fchiang-yu-feng","Z19Hy0g5uQ7e4gHlxtEyeH_BIIxEzUgbsaUn41v7K48",[122,195,258],{"id":123,"title":124,"author":125,"body":126,"category":92,"cover":186,"date":187,"description":188,"extension":96,"meta":189,"navigation":98,"path":190,"seo":191,"slug":192,"stem":193,"__hash__":194},"articles\u002Farticles\u002Femergency-fund.md","緊急預備金該準備幾個月？","wen-yi-fan",{"type":8,"value":127,"toc":180},[128,131,134,137,140,143,163,166,169,174,177],[11,129,130],{},"在我陪伴學員做財務諮詢的經驗裡，緊急預備金幾乎是最常被忽略、卻也最關鍵的一環。大家急著討論該買哪支股票、哪檔 ETF，卻很少人先問自己：如果明天失業，我能撐多久？",[15,132,133],{"id":133},"緊急預備金到底在準備什麼",[11,135,136],{},"緊急預備金不是用來投資增值的錢，它的唯一任務，是在意外發生時，讓你不需要變賣投資部位、不需要借貸，就能維持基本生活。常見的意外情境包括：突然失業、重大疾病、家人急難、必要的設備維修等。",[15,138,139],{"id":139},"到底該準備幾個月",[11,141,142],{},"坊間常見的建議是 3 到 6 個月的生活費，但我認為這個數字不該是一體適用的公式，而要依照你的工作穩定性與家庭責任調整：",[55,144,145,151,157],{},[28,146,147,150],{},[31,148,149],{},"工作穩定、單身、無房貸","：3 個月的生活費可能已經足夠。",[28,152,153,156],{},[31,154,155],{},"自由工作者或收入波動較大","：建議準備 6 個月以上，因為收入中斷的風險較高。",[28,158,159,162],{},[31,160,161],{},"有房貸、扶養家人","：建議準備 6 到 12 個月，因為固定支出更高，且中斷收入的影響會波及更多人。",[15,164,165],{"id":165},"緊急預備金該放在哪裡",[11,167,168],{},"緊急預備金最重要的特性是「流動性」，而不是報酬率。常見的存放方式包括活期存款、貨幣市場基金，或是可以快速變現且波動極低的短天期工具。把緊急預備金拿去買股票或波動較大的資產，違背了它原本的設計目的。",[76,170,171],{},[11,172,173],{},"緊急預備金給你的不只是一筆錢，而是面對意外時「不必倉皇失措」的心理安全感。",[15,175,176],{"id":176},"從心態面看緊急預備金",[11,178,179],{},"很多人抗拒準備緊急預備金，是因為覺得這筆錢「放著不動很浪費」。但我常常提醒學員，緊急預備金的報酬率，不該用金錢報酬衡量，而該用「你在意外發生時，能不能保持理性做出正確決定」來衡量。當你手上有足夠的緩衝，才不會因為短期恐慌，做出賤賣資產或衝動借貸的決定。建立緊急預備金，是所有理財規劃裡最基礎、卻也最容易被低估的一步。",{"title":85,"searchDepth":86,"depth":86,"links":181},[182,183,184,185],{"id":133,"depth":86,"text":133},{"id":139,"depth":86,"text":139},{"id":165,"depth":86,"text":165},{"id":176,"depth":86,"text":176},"\u002Fimages\u002Farticles\u002Femergency-fund.webp","2026-06-01","緊急預備金的意義不只是數字，更是你面對財務衝擊時的心理安全感。",{},"\u002Farticles\u002Femergency-fund",{"title":124,"description":188},"emergency-fund","articles\u002Femergency-fund","8AchSZNjM3DAV4Nf87bTaskUIxXWwAiszSlydMoGGZs",{"id":196,"title":197,"author":198,"body":199,"category":92,"cover":249,"date":250,"description":251,"extension":96,"meta":252,"navigation":98,"path":253,"seo":254,"slug":255,"stem":256,"__hash__":257},"articles\u002Farticles\u002Fbookkeeping-3-steps.md","三步驟開始記帳，不再半途而廢","tseng-hsu-yao",{"type":8,"value":200,"toc":242},[201,204,207,210,214,217,221,224,228,231,236,239],[11,202,203],{},"我曾經卡債纏身，也曾經下載過至少十款記帳 App，每一次都撐不過一個月就放棄。後來我才明白，記帳失敗從來不是意志力不夠，而是方法本身設計得太複雜，複雜到讓人一忙就想放棄。",[15,205,206],{"id":206},"為什麼多數人記帳都會半途而廢",[11,208,209],{},"大部分記帳失敗的原因，都指向同一個根本問題：把記帳這件事想得太完整、太精細。分類分得太細、要求自己每一筆消費都要當下記錄、還要每天檢查預算執行率——這些「理想的記帳流程」，在真實生活的忙碌與疲憊面前，往往撐不過兩週。",[15,211,213],{"id":212},"第一步先求記錄不求分類","第一步：先求記錄，不求分類",[11,215,216],{},"一開始不要糾結於分類是否精準，只要求自己把「花了多少錢」記下來就好。可以先粗略分成「必要支出」與「非必要支出」兩大類，甚至一開始完全不分類也沒關係。重點是先把「記錄」這個動作變成習慣，之後再逐步優化分類方式。",[15,218,220],{"id":219},"第二步固定一個每天回顧的時間點","第二步：固定一個每天回顧的時間點",[11,222,223],{},"與其要求自己隨時隨地記帳，不如固定一個每天都會做的時間點，例如睡前十分鐘，回想今天花了哪些錢並一次補記。這個做法能大幅降低記帳的心理門檻，因為你不需要隨時中斷生活來記帳。",[15,225,227],{"id":226},"第三步每週做一次簡單回顧","第三步：每週做一次簡單回顧",[11,229,230],{},"每週花五到十分鐘，看看這一週的支出有沒有明顯異常，例如某個類別突然暴增。不需要做複雜的分析，只要問自己一個問題：「這週的花費，有沒有讓我未來後悔？」",[76,232,233],{},[11,234,235],{},"記帳的目的從來不是省錢，而是讓你清楚知道錢花去哪裡了，重新拿回對財務的掌控感。",[15,237,238],{"id":238},"給正在掙扎的你",[11,240,241],{},"如果你也曾經因為記帳半途而廢而感到挫折，請記得那不是你的問題，而是方法的問題。從最簡單的版本開始，允許自己中斷後隨時重新開始，比追求一套完美卻難以堅持的系統，更容易走得長久。",{"title":85,"searchDepth":86,"depth":86,"links":243},[244,245,246,247,248],{"id":206,"depth":86,"text":206},{"id":212,"depth":86,"text":213},{"id":219,"depth":86,"text":220},{"id":226,"depth":86,"text":227},{"id":238,"depth":86,"text":238},"\u002Fimages\u002Farticles\u002Fbookkeeping-3-steps.webp","2026-05-25","記帳失敗不是意志力問題，而是方法一開始就設定得太複雜。",{},"\u002Farticles\u002Fbookkeeping-3-steps",{"title":197,"description":251},"bookkeeping-3-steps","articles\u002Fbookkeeping-3-steps","V-YVZwCwhhaJgQaq-3lp4QYqZV-5z2c987gKBwvQCis",{"id":259,"title":260,"author":261,"body":262,"category":92,"cover":353,"date":354,"description":355,"extension":96,"meta":356,"navigation":98,"path":357,"seo":358,"slug":359,"stem":360,"__hash__":361},"articles\u002Farticles\u002Ffinance-english-terms.md","十個必懂的財經英文關鍵字","ai-lin-chang",{"type":8,"value":263,"toc":347},[264,267,270,276,282,288,294,297,303,309,315,318,324,330,336,339,344],[11,265,266],{},"許多學員告訴我，看國際財經新聞最挫折的地方，不是文法看不懂，而是同樣幾個詞彙反覆出現，卻始終抓不準精確含義。這篇文章整理十個高頻出現的財經英文關鍵字，幫你打好精讀的基礎。",[15,268,269],{"id":269},"總體經濟類",[11,271,272,275],{},[31,273,274],{},"1. Inflation（通貨膨脹）","：物價水準持續上升，購買力下降的現象，是央行貨幣政策最關注的指標之一。",[11,277,278,281],{},[31,279,280],{},"2. Rate hike \u002F Rate cut（升息／降息）","：央行調整基準利率的動作，直接影響借貸成本與市場資金鬆緊。",[11,283,284,287],{},[31,285,286],{},"3. Recession（經濟衰退）","：通常定義為連續兩季國內生產毛額（GDP）負成長，是總體經濟新聞中的重要警訊詞彙。",[11,289,290,293],{},[31,291,292],{},"4. Yield（殖利率）","：常見於債券相關新聞，指投資人持有債券所能獲得的報酬率。",[15,295,296],{"id":296},"企業財報類",[11,298,299,302],{},[31,300,301],{},"5. Earnings（獲利／盈餘）","：企業公布財報時的核心關鍵字，常搭配 beat（優於預期）或 miss（不如預期）使用。",[11,304,305,308],{},[31,306,307],{},"6. Guidance（財測／展望）","：企業對未來營運表現的預估說明，市場常依此調整對股價的預期。",[11,310,311,314],{},[31,312,313],{},"7. Margin（毛利率／利潤率）","：反映企業每一元營收能轉換成多少利潤，是判斷經營效率的重要指標。",[15,316,317],{"id":317},"市場與投資類",[11,319,320,323],{},[31,321,322],{},"8. Volatility（波動性）","：市場價格變動的劇烈程度，常用來衡量風險高低。",[11,325,326,329],{},[31,327,328],{},"9. Valuation（估值）","：市場對一家公司或資產合理價格的評估，常搭配 overvalued（高估）或 undervalued（低估）使用。",[11,331,332,335],{},[31,333,334],{},"10. Diversification（分散投資）","：透過持有不同資產降低整體投資組合風險的策略。",[15,337,338],{"id":338},"學習建議",[76,340,341],{},[11,342,343],{},"與其死背單字表，不如在真實新聞情境中反覆遇見這些詞彙，讓大腦自然建立詞彙與情境的連結。",[11,345,346],{},"建議挑選一篇你有興趣的財經新聞，先圈出所有陌生詞彙，查完意思後，試著用自己的話把整篇文章的重點口頭摘要一次。這個練習比單純背單字更有效，因為它同時訓練了理解與輸出的能力，是精讀財經英文最扎實的方法。",{"title":85,"searchDepth":86,"depth":86,"links":348},[349,350,351,352],{"id":269,"depth":86,"text":269},{"id":296,"depth":86,"text":296},{"id":317,"depth":86,"text":317},{"id":338,"depth":86,"text":338},"\u002Fimages\u002Farticles\u002Ffinance-english-terms.webp","2026-05-20","看懂國際財經新聞前，先掌握這十個高頻出現的英文關鍵字。",{},"\u002Farticles\u002Ffinance-english-terms",{"title":260,"description":355},"finance-english-terms","articles\u002Ffinance-english-terms","Z6KnT4JpOhD2UrxQqphZ111A-S5J5kSy3iiJci75K3o",1784448119767]