is about to celebrate the New Year, "have you saved the money?"
will always receive "special care" from relatives and friends at the end of the year. If someone deposits money, generous "share" ” own : house, car, luxury goods...
And some people not only did not save money, but also owed a lot of foreign debts. This year’s past, Liao Liao Sou Strong1strong, is really sad!
Especially with the sudden outbreak of this year, has been delaying the start of work, cutting wages, and being dismissed. It is really hard to make money!
Zhihu has a question that pays attention to tens of millions: "Your wife is pregnant and wants to eat strawberries for 40 yuan a pound. Would you buy it if you are economically ?"
20000+ answers are sharing their own sad experiences, what said is nothing more than a story about poor couples!
Are we born poor and destined to live a mediocre life without money? Of course not!
In the next article, Mr. Zheng Lin, a financial mentor from Midui Academy, came from an ordinary family and achieved wealth freedom in only 4 years.
listen to his insights,Maybe it can give you some inspiration.
The following content is very rich, I suggest you read it all at once.
01
possesses this ability,
is possible to come back against the wind in life.
Hello, I am Zheng Lin, the star investment manager of state-owned enterprises.
all say that the collapse of adults started from lack of money, and this is true. I have seen many people who have worked hard all their lives, but in the end they are still very poor.
In the final analysis, it is not that they can't make money, but they lack financial thinking and have not completed the accumulation of wealth.
I have always said: "If you want to make money to make yourself comfortable, you will not be able to earn a dead salary in this life."
(Photo of Teacher Zheng Lin's life)
Take one of my students, Liu Jing, for example. She also had a job, but after she had a child, she quit her job and brought a baby at home.
I remember the first time we met a few years ago, she started complaining as soon as she saw me:
Husband made too little money, relying on his salary alone, the monthly balance is very small. It is difficult to save education money for the children, and the adults are reluctant to buy insurance. Once there is a little accident, the whole family may be shaky...
I also want my mother-in-law to come over and help bring the children to work. But the mother-in-law was reluctant, and said sarcastically: You can earn at most 3 or 4 thousand a month, it is better to stay at home and watch your children.
What can we do to improve this situation?
After listening to Liu Jing's description, I directly gave advice:
1. After all, mother-in-law is not a real mother, it is impossible to give to your daughter-in-law without complaint. If you are strong, she will respect you more. _Strong2strong
2. Don’t expect to get rich from work. Going to work eliminates the fear of “no money”, but it cannot eliminate “no money”;
3. Start learning financial management quickly, or just rely on your husband’s With a deadly salary, I will worry about money all my life.
Liu Jing nodded, and said aggrieved: "But our family saves only 1,500 yuan every month. Can we manage money?
It is estimated that most people are just like Liu Jing thought. , I think that you can manage your finances only if you have enough capital. I have to say that the concept is all wrong.
You don’t manage money when you have money, but you have money when you manage money.
You know, the initial capital of Warren Buffett’s financial management It’s only US$114 (less than RMB 1,000). But over the years, by making money to make money, he even became the richest man in the world.
Then, I began to teach her "compound interest thinking":
Most people only I know that Buffett is rich in an enemy country, but I don’t know that 99% of his wealth in his life was acquired after the age of 50.
▲ Buffett’s wealth growth chart
In other words, before the age of 50, he Maybe it’s just like us, an ordinary family. After 50, it enters the period of wealth explosion. This is the power of compound interest.
Is compound interest really so magical?
Give you a simple example,If your initial capital is only 50,000 yuan , and when is 22 years old invests 1,500 yuan every month, and the annualized rate of return is 6%, what changes will happen next?
When is 40 years old and , you can earn 100 million .
When you 50 years old , you can probably earn 300 million .
The money is enough for the child's tuition. Strong1strong's mid-life crisis doesn't seem to be terrible anymore. Strong1strong, early retirement is also not bad to enjoy life.
Einstein said: Compound interest is the eighth wonder of the world.
Learning to manage money is more important than making money itself. But the prerequisite is that you have to master the laws and plan tactics instead of being chopped up leeks.
02
"Income after bedtime",
let the "negative" achieve counterattack
After that conversation, Liu Jing began to learn financial management knowledge with me , From the beginning of the financial management theory , distinguish between good and bad expenditures of , increase 's money-generating assets , and reduce 's money-consuming assets , and then slowly understand the various financial management tools .
[Her study notes]
Then I tried to invest little by little. From the very beginning, entered the market with 500 yuan and 1000 yuan , although the gains were only dozens_ strong2strong yuan, but let her see the hope of making money.
For about two years, relying on financial compound interest , her life has changed drastically.
[Her income animation]
Now, her financial income is maintained between 1-2w every month:
The mortgage has already been paid off, and it is no longer necessary for to live on her husband’s salary _P3p
has saved more than 300,000 education funds for the children, and has also configured various insurances for the family;
has realized "supermarket freedom", "travel freedom", and "cherry freedom" .
She is completely free to do what she likes,The circle of friends posted a lot of photos about photography, tea art, flower arrangement, and travel, which made people envious.
Liu Jing who became rich and beautiful
Not long ago, she invited me to dinner. When I met, I found her face full of spring, which is very different from the sad housewife a year ago.
It turned out that in the past year, she used the financial management knowledge she learned to allocate her husband's salary, and obtained 's "after-sleep income" of more than 300,000. It also caught the bull market in the liquor capital market and more than doubled the assets of .
Now Liu Jing is already the family’s CFO (Chief Financial Officer), and her husband and mother-in-law listen to her.
The life of learning money management is so cool!
I very much believe in Mr. Li Ka-shing’s words:
"Before 30 years old, people must rely on physical strength and intelligence to make money. After 30 years old, they must rely on money to make money."
But it is also investment and financial management. Why can some people make money? In this way, changes lives, but some people end up with ruined ?
"You can never make money beyond what you know."
The most important thing in financial management is not to invest. is the same as other professional skills.You need to integrate learning skills. Therefore, you need a professional tutor and a systematic course.
In order to help more ordinary people get rid of financial troubles and increase their income after bedtime, Zheng Lin, a pioneer in the field of quantitative investment in China, has customized a systematic financial management course for zero-based financial management students - "Little White Financial Management Training camp".
original price 99 yuan , fans of this official account now only need 1 yuan to buy, only the first 100 name. Senior tutors will guide you to achieve financial freedom steadily from shallow to deep.
1 yuan can only be used as a bus, buy a bottle of water, and put an egg in the hand cake, and here you can get a chance to restart the second half of life, and even achieve the "financial freedom" that everyone wants !
12 days of community company, rapid growth
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