For many years, through chatting with friends and colleagues around you, I saw the asset status of one family after another. Their income mainly comes from salary, and a small part comes from the income obtained from part-time jobs. The problems they face are almost the same: buying a house, buying a car, parenting, raising an elderly care provider, education and future pension reserves. Most of them are young generations who have just started a family and started a business.
"Just got married, the family's annual income is 150,000 yuan, no house or loan, and has 180,000 yuan savings, I want to buy a house."
"I haven't had a child for several years since my marriage, and the family's annual income is 200,000 yuan, I have a house or no loan, and I have 200,000 yuan savings, I want to buy a car."
"Newly married, have a house, have a small amount of savings, plan to have a baby, but you can't make ends meet in the short term."
"The young couple are both civil servants, their jobs are very stable and their savings are not much. They already have a baby. They plan to have a second baby this year, and they also want to buy a new house for their parents."
learned during a chat that most of them are asset status and financial management needs.
They are a working class who is inferior and has more than the lower level. They have a decent job and are busy with their own work all day long, working hard, ups and downs.
Most of them have or are about to have their own houses, cars, and children, and have a decent income. Although they are not very rich, they can be classified as happy people. Especially compared with their previous generation, the achievements made are already proud enough.
They are worried that the assets in their hands will shrink with time. They hope that the few assets in their hands can maintain value and appreciate. They hope that their children will have a better education. They hope that their houses will appreciate significantly with the rise in housing prices. Even if the house appreciates because there is only one house that needs to be lived in for, they cannot enjoy the happiness brought by appreciation, and because of the appreciation of the house, they are unable to exchange for a larger house and become frustrated.
However, obviously, what they have in common is anxiety about the future.
They may also trade stocks, but they are often unsuccessful. I remember a friend said, "When I first entered the financial market, I gave up consumption activities such as milk tea, clothes and cosmetics every month. The hundreds of yuan I squeezed out each month were added together with 20,000 yuan. I didn't even know what I bought. I just saw the name and I dared to buy all the cash at once." The result was unknown, and I felt sorry for it.
They may have had industrial investments, and some colleagues said, "I hand over my money to my friends in real life to start a business together. As a result, my friends failed to start a business and had no income, which means that I couldn't get back a penny of the money I invested. Some very few lucky people have succeeded in the project they invested several years. In the early stage, they invested 100,000 yuan in principal and started a business together. After a few years, they still had a total income of 100,000 yuan!"
Why? Because there is no free lunch in the world! If you don’t understand entrepreneurial knowledge, you can invest a lot of money to achieve asset appreciation. It’s just a good wish in your heart. Wishes are ultimately wishes!
He needs a "insurance plan" based on the future, but he is confused about whether he can obtain protection in the future.
They seem to be middle-class people in the city. Both husband and wife have a good job that most people envy, but in fact they don’t have much property, but there are a lot of expenses and demands in the future. They have a greater demand for wealth, but there is no good way to offset spending and reach surplus, thus resisting future uncertainty.
Yes, even a professional "financial master?" may not be able to help them. If there is one, the title of "financial master" will become a rich man. Therefore, the plan given by the masters is just how to achieve a short-term goal as soon as possible. In the long run, it still needs to face uncertainty. Such financial management plans are obviously useless for those who have long-term financial management needs.
In fact, people who take the initiative to ask for financial management are all people who have not "get rich".
In my life experience, I have never seen a person with a wealth of billions of dollars. I need to ask the masters how to manage their finances.
In short, they feel that they need financial management. When the consultants said "If you don't manage your finances, you won't manage your finances" publicity, they became even more anxious. If they don't have the relevant knowledge of financial management, they rashly follow the advice of the consultants to manage their finances, it will inevitably be "If you manage your finances, your finances will leave."
Financial management For most people, they still need to return to the most basic common sense. Increase revenue and reduce expenditure. Increase investment requires the accumulation of knowledge first and do what they can. Reducing expenditure means not pursuing luxury goods and other consumption that exceeds their own financial resources. You must live a thrifty life, keep your family thrifty, and never waste it.
The era has developed to this day. Financial management is a very professional and professional thing. It is also necessary to use professional and reliable knowledge to avoid unpredictable risks. Many years ago, a subordinate talked about "the plan to hand over all his savings to the consultant and asked for my opinion. Here, a brief summary of the subordinate's reply to this matter is risky and he needs to carefully weigh it."
As a result, his investment failed and ran to the office to roar at me, "Why didn't you persuade me too much at the beginning and didn't hold me back? Now my family doesn't like it, and the couple is also getting divorced." In this regard, I can only actively listen to it and try my best to calm his collapse. What else can I do for him? The investors blindly manage their finances without having relevant knowledge. If they make money, they are wise and decisive. If they lose money, they will blame others. No matter how others persuade them, it will be useless, just as you can never wake up a person who pretends to be asleep.
Rational and reasonable financial management is actually a kind of careful calculation of life with a focus on the future and a scientific arrangement, making appropriate financial expenditures based on your financial status at the right time, so as to leave as many assets as a guarantee of happiness for the future.
Financial management is the necessary preparations for tomorrow for those who are worried about the future.
Give someone a rose, leaving a fragrance on your hands.
Author: Huahui Starry Sky
