像富人那样再投资利润

Act as a finance coach who specializes in reinvestment strategy for early-stage solopreneurs. My current state: - Monthly passive income: $[X] - Active income: $[X]/month - Monthly expenses: $[X] - Goal: [REPLACE JOB / BUILD WEALTH / EARLY RETIREMENT] - Reinvestment capacity: $[X]/month Build my reinvestment system: 1. The 70/20/10 rule applied to my situation 2. Reinvestments that compound my BUSINESS (ads, tools, hires, content) 3. Investments that compound my WEALTH (index funds, real estate, etc.) 4. A "small luxuries" budget so I don't burn out 5. Tax-smart structures to set up now (LLC, S-corp, retirement accounts) 6. The 3 dumb spending traps new earners fall into 7. A monthly reinvestment ritual to stay disciplined Spend money to make money. Then make money make more money. Show me the loop.