We * * * read "Qian Qian the Puppy" and couldn't put it down after we got the book. Commuting time and evening time will soon be over. The concept of financial management is always so simple, although simple, it is not easy. It is not easy to stick to simple concepts.
I thought about the experience of punching in the book club for a long time (mainly because I couldn't make money), and then I thought about several points one after another. As an old driver who has worked for more than ten years, maybe a little experience can give you some inspiration.
Mainly divided into three stages of money-making experience, to inspire everyone.
school days
How did you spend your college time? At that time, I only knew that I had to learn computer skills well so that I could have a job to support myself after graduating from college. Therefore, in the university stage, I was a bit of a "schoolmaster" and got good grades in science.
Back to the topic of making money, in fact, the essence of making money is to follow your value and follow the value you can provide. I mainly do a few things in the university stage, which I think are valuable for the follow-up work:
Participate in ACM programming competition
I made a website with my classmates in the summer vacation and earned about 20xx-3000.
Set up a laboratory and do projects with teachers.
Doing this well will help you find a job in the future, and you will have a good resume, which is full and easy to find a job.
To tell a short story, the process of setting up a laboratory with a tutor to do a project is like this. I often read or sleep in the library when I have nothing to do. The tutor saw that my child often wandered around the library and was a child who loved learning and could be cultivated, so he asked me to work on the project together. Thank you very much for your appreciation here. Basically, every year on Teachers' Day, I contact my teachers with good wishes.
Also, do you see the benefits of going to the library? Reading is now, and harvest is the future. If there are unexpected surprises, you can find a tutor to set up a laboratory.
Therefore, the experience of the university, I sum up, is to participate in more activities, practice this major more, enrich life, have a skill, and travel around the world without fear. By the way, if possible, let's talk about a girlfriend.
The first occupation of work
Since I study computer, I will become a programmer. At work, I went to a foreign company first, then chose a startup company, and even bought the original shares of the company. My idea at that time was that growing up with the company might give me a chance to become rich and free.
The mentality here is the mentality of entrepreneurs, learning what they need, such as pc development, embedded development and it development of web intranet. Of course, I am also eager to do more challenging things, and I will take the team to manage the company's software-related development when I have the opportunity. There is also an opportunity to cooperate with the company and take the team to do Android tablet related development.
The companies behind have not improved either. Time waits for no one, so I jump to an internet company and my salary will increase by at least 60%. There is a short story, that is, I jumped ship and went to a new Internet company. The big boss asked me how dare I ask for such a high salary. I was confident. I forgot the exact words, that is to say, I am worth the money. At that time, I just worked in a startup company and got less.
It's been so long, that is to say, my experience of jumping to an internet company after working in a startup seems to have nothing to do with making money, right? Actually. Work is the best way to make money at present, and personal growth is the best way to make money, isn't it?
Two of them should be emphasized:
Growth is the most important thing, and making yourself valuable with an entrepreneurial attitude is the best way to make money. Can bring "capital" to the back.
Confidence is very important. Qian Qian's first psychological massage was self-confidence.
secondary occupation
Up to now, even a few days ago, I have been looking for a second job. As Zhang Ge said, it can be more and more popular and accumulated, such as investment, such as writing, personal brand, personal influence building, sideline and so on.
What is even more shameful is the slow development of the second profession. As far as the investment field is concerned, it feels a bit on the road (no result). At present, others just write that the official account of WeChat has a reward of about 200+ blocks, and the video number is still being explored.
Here's a definition. The second job is something you are interested in. Develop your interests into your second job. As the dog Qian Qian said:
Why can't you make money doing what you like?
So the second career is interest-oriented. My requirements for the second job can be accumulated, so I can really do it for a long time. I must ask myself from a long-term perspective:
Can this thing be done for a long time?
I am currently a short sideline (sideline has not yet been made), share my personal views on investment. Welcome to make bricks.
investment
Investment is an ever-developing field, and you will eventually enter it. My suggestion is that the sooner the better!
In fact, judging from the book "Qian Qian, Dogs", investment should start with children, because in addition to investing with money, you also have a sharp weapon:
time
Invest in the data of Qian Qian for a puppy, and you can feel the compound interest effect of the investment for a long time.
The average yield is 12%. After 20 years, our 20,000 mark is almost 10 times as much as it is now, that is, 200,000 mark.
I think I invested too late. After I found out, I immediately wrote an article "No matter who you are, why do you need to start investing now" on my official WeChat account "Programmer Dad loves learning". In addition to some advertisements, you can look at the investment logic. Believe in the power of logic.
There are two key elements here:
The choice of investment object. For example, Dog Qian Qian has invested in stock funds for more than 10 years.
In the long run. Be a friend of time. Really, besides making money, time can also be used.
Barbell investment strategy
I recently invested in this book and chewed the book "Anti-Fragility" by Taleb. I am fascinated by the barbell strategy inside, and I strongly share it here:
The so-called barbell strategy refers to your dual attitude of taking a very conservative strategy in some areas and taking a lot of big risks in other areas, so as to achieve anti-vulnerability.
In other words, on the one hand, it is extreme risk aversion, on the other hand, it is extreme risk preference. Just go to extremes, you can imagine the barbell and remember this strategy vividly.
Let's take a look at how to carry out this barbell strategy in the investment field. If 90% of your capital is held in cash (or a stable fund) and the remaining 65,438+00% is invested in such high-risk targets, then your loss will not exceed 65,438+00% in this case, but there is no upper limit on your income.
Give two small examples to fascinate the barbell raiders.
"Reading is now, harvesting is the future", which is the barbell strategy. If you invest half an hour to 1 hour every day, the future gains will be very great, which is unimaginable.
Zhang Ge's reading club is characterized by reading club+light chat, which is also two barbells. The book is stable in interpretation, casual in chatting, and there are two barbells, so there is a lot of room for imagination in chatting.
dissymmetry
Therefore, the use of barbell strategy in investment is to find and build such anti-fragile asymmetry, that is, to use positive black swan.
The loss is limited, but he gains a lot.
When you encounter such a choice in your life, you must firmly grasp it. Because he's fragile. If you benefit from the uncertainty of this world, it is worth pursuing.
What I do here is to invest in digital assets with eggshells (very idle money, even if it is thrown away, it will not have any impact on my life). I don't give examples of data here, which is more sensitive.
"The above topics do not constitute any investment advice, but only serve as investment enlightenment."