is no longer unfamiliar with it now, especially in the face of the complex economic situation. Sudden changes will make you "get rich" instantly, or "poor". How to find certainty in uncertainty, let yourself have a correct concept of money, be able to plan wealth reasonably, and accumulate wealth steadily, read this book "Puppy Money", you will definitely gain a lot of new things.
1. The author of this book - Bodo Schefel
The author of this book is Bodo Schefel , known as "European Buffett", who was born on September 10, 1960 in Cologne, Germany. He immigrated to the United States at the age of 16. At the age of 26, he faced the huge debt burden of company bankruptcy, but four years later he got rid of the crisis. So he decided to summarize his experience into a theory to help more people, especially teenagers, establish correct concepts of money and attitude towards life.
"Puppy Money" is a book he wrote for children and young people. It has long occupied the best-selling list. Bodo Schefel is also known as "the No. 1 Money Coach in Europe".
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2. The story of this book - 6 articles
The story of this book is very wonderful and the story line is very clear. In order to facilitate your quick reading, you can directly click on the following link.
A white Labrador Retriever :
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3. Some of my thoughts - 5 points of insights
1. About the target
Targets have long and short, big and small. Once you have a goal, you won’t be so confused, and you won’t “lying flat” for no reason and “ putting ”, just like the classic saying: “If a person loses his dream, what’s the difference between a salted fish?” . Even if you want to make a salty fish, you have to make the saltiest one.
Many times, we have no goals, or are not so clear, and it doesn’t matter if we can complete it.
Some people also say that what you want to do is to be content with everything, and it is not good to live anywhere. This is also a life attitude, work from sunrise and rest from sunset. I think people who can write this, and those who have this attitude towards life are either people who really ask for nothing, or people who have asked for it and have it. For most ordinary people, without a goal, they really can't solve the problem of what to eat for the next meal or how they eat.
When I went to school, I wanted to get into a good school. Although the final result was different from the goal, it was also fulfilling because of the goal.
had just worked for a few years, so I wanted to work hard, save some money, and accumulate work experience. Although it was a bit different from the goal, I lived quite fulfilling.
But now, I don’t seem to know where the goal is, so I live a more "confused" and "medium". First, I don’t dare to set goals for myself casually, and there is too much uncertainty. Second, I was bitten by a snake and was afraid of the ropes for ten years. Those dreams that were not realized have long been worn out.
Therefore, the description of the goal in "Puppy Money" runs from beginning to end, and you must also have this awareness from childhood. With goals, you will not go with the flow, and you can focus your energy on what you like, have and can solve problems. By achieving goals one by one, you can gradually build confidence in life, and a person can live out "spirituality". There is a logical relationship among them:
Goals (dream) - energy focus - positive attitude - achieve goals - self-confidence - more positive...
So, if you start to develop such a habit since childhood, with this kind of thinking and cognition, life will probably be different.
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2. About work
Work is the basic basis for a person to live. Everyone is using value exchange to gain existence, so work still needs to be thought about seriously.
In "Puppy Money", the description of work mainly involves a concept:
- makes money by doing what you like, improve your skills when you encounter difficulties, and cannot be proud when everything goes smoothly.
- You can’t just do one job, you must try to make breakthroughs and try something new to make your life richer.
I understand this:
- If you want to make money, we must contribute value, which is what the book says - helps others solve problems .
- has a very strong desire, to do what you like , so that you can persist.
- has only one job income, so it is easy to have problems, so needs to develop more points, that is, the first, second and third careers. In addition to horizontal development (increasing customers),
- also needs to be extended vertically (cross-industry integration), to do something new so as not to lose work.
- to leverage comparative advantages , use comparative advantages to make money, find differentiation of personal abilities, and understand the thinking of reducing dimensionality, such as Jiya's speech talent and book writing skills.
- As long as you want to change and want to accomplish one thing, you will definitely be able to do it as . If you can’t do it, it means that your desires are not strong enough.
I have been working for a long time, but I have never thought about these things. Sometimes, I have thought about them, but I have never insisted on them. Many books also mention: start with the end and persevere to the end.
has no major achievements in work and lacks multiple support, which may be because of this reason.
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3. Regarding consumption
Many times, we all think, "Only you can spend money can you make money." That's right, but there are differences in understanding.
can spend money, because it is spent on the edge of the knife, and the value of the resource is maximized. What you understand can spend money, maybe it is to use the only resources to your own experience, eat, drink, play, and have fun...
In "Puppy Money", there is no objection to consumption, nor to use money to do what you like. After all, making money is to get happiness. If you don't spend money, it is a slave to keep the money.
What he advocates is: Rational consumption, moderate and planned consumption. The so-called financial management word is to manage wealth. If you want to manage wealth well, you need to have plans and arrangements.
Stop reporting and reliance on credit cards, which can indeed control your consumption desire; reducing the behavior of applying for consumer loans can indeed make you more rationally understand your wealth. The money obtained from the loan is not assets, but your liabilities. When spending money, remind yourself: Is this necessary? It can also curb your consumption impulse to a certain extent, and see if there are many unusable things and idle items in your home. Sometimes, for one sentence: Maybe it will be useful at any time, we have carried too much.
So, regarding consumption, it is actually a living habit. Money is a touchstone. It can be tried out human nature. Consumption is not a random squander, and of course it is not a slave to keep money. Rational consumption is the first step in financial management. If you cannot control consumption, you can't talk about financial management.
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4, about savings
Most of the time, for ordinary people, the standard for measuring wealth is - the balance in the account.
Nowadays, most people will say, why don’t you save so much money? You won’t have a baby. It’s better to invest it. This is to make money make money. In addition, the economic situation is unpredictable, and the speed of saving money cannot keep up with the speed of rising prices...
can say such words, which has a certain economic foundation . Some of the views on savings in this book should also be viewed dialectically.
If you want to accumulate wealth, you must have a certain amount of savings. Savings are for the purpose of protecting the capital, to deal with the occurrence of "black swan" event , which is also what we often call "emergency demand". Savings are not investments, and you don’t need to focus too much on the income . Therefore, the share of savings cannot occupy too much in your assets, but it must be there, and you must increase the quantitative savings amount without any impact. Otherwise, your so-called wealth may be gone at any time.
is sometimes quite difficult to take out a small part of the income every month. In fact, it is also a habit, and it can affect our attitude towards life to a certain extent. My understanding - I have more than enough to do things .
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5. About investing in
If you are a little rich, as long as you have a clear goal, relatively stable income, not very advanced consumption (grasp a degree yourself), and have a certain amount of savings (can be cashed at any time), it is already very good. Most people find it difficult to do this, or it is difficult to maintain a balance.
If you want to achieve a bigger goal, you must learn to invest. This investment is not just buying funds, stocks, or other financial products . What I understand is that includes material investment and spiritual investment . Everyone understands the principle of money making money, but many times, our money not only doesn’t make money, but even the old hens are taken away. Therefore, investment still requires technology and risks.
The book mentioned that is not only to invest in funds and stocks, but also to invest in personal learning and growth . This is also complementary. We often say that we cannot make money beyond our cognition. People who do business often say that "not doing it if you are not familiar with it". This is the reason. Therefore, if you want to expand your investment and controllable risks, you must learn well and improve your self-cognition.
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4. Summary
The book "Puppy Money" is a life enlightenment book written by the author to summarize his own experience and write to young friends, so it can be so charming. Unlike the theory and essay of business school courses, it is simple and easy to understand, and it is also in line with the laws of society and mainstream values. It can be said that it has achieved the effect of returning to nature.
From the definition of a person's lifelong wishes, the definition of career, work, wealth, and happiness, from means of making a living, interests, hobbies and bumps in life, you can all see in the book and understand that these problems are worth learning and thinking about by every adult and growing teenager.
Thanks to the author again. Money can create value, and wisdom can create greater value.
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