Many people pour a bowl of poisoned chicken soup that misinterprets the concept of financial management, and their financial management ability has not improved, and even their will has been exhausted. If you want to achieve nothing or suffer serious losses in financial management, these four bowls of chicken soup are your first choice
The first bowl: the best investment is to invest in yourself.
Let's talk about it first How many new books are unopened? How many of the hard-earned "New Media Operation Raiders", "PS Great God Skills", "CDA Operation Skills" and "XXX Formula and Workplace Rules that Finance Must Remember" have been well read? How many flags have you set up in the WeChat circle of friends? The pictures of reciting words and doing exercises sent out every day are real, aren't they just showing off?
It's right to invest in yourself, but the problem is that this poisoned chicken soup has been promoting the soup, but it hasn't told you the cooking methods, or even the steps!
To invest in yourself, you must first know what you are, what you want, and most importantly, you must have self-control!
The starting point is to invest in yourself, and what is the result? Investing in yourself is a mere formality, and buying all kinds of buy buy under the banner of investing in yourself. Many plans have been made, but none of them can stick to it. This is not investing in yourself, but indulging yourself.
Before investing in yourself, please warn yourself that you must cultivate two abilities, one is self-control and the other is perseverance. No self-control is waste, no thinking is speculation.
To tell the truth, if you have no confidence in your self-control, don't think about how to invest in yourself first. Let's practice how to insist on doing one thing well first.
The second bowl: it takes money to make money.
This sentence is deified.
What do you think "you need money to make money" means? Have you ever thought that "spending money" and "earning money" refer to money in a unified field, rather than spending money in entertainment, fast-moving and other fields, thinking that these fields can give you "earning money"
How many people practice "spending money to earn money" as an excuse to "encourage consumption and despise saving"?
Actually, spending money is easy. Life costs money everywhere. For ordinary people, the place to spend money is nothing more than eating, drinking and having fun, and buying all kinds of things in buy buy. This kind of spending money is called consumption.
"Only by spending money can you make money" should mean knowing how to make money in the process of spending money, such as spending money on increasing knowledge, improving ability and increasing wealth. To put it bluntly, anyone who spends money reflects a person's investment ability. For those who can invest, making money is nothing more than a natural result.
The following are the rules of spending money that should be followed:
1. Think twice when you let money flow out of your wallet, and don't hesitate for a second when you put it in your wallet.
What you buy is not the commodity, but the value. No matter how good things are, if they don't meet your value standards, you don't even have to pay a penny.
If you can't recover the price you paid in the end, don't open your wallet at all.
Nowadays, people who rely on wisdom to enjoy the nourishment of wealth are "smart with little money and smart with big money", while those who blindly drink "will spend money to make money" mostly stay in the state of "smart with little money and confused with big money".
Therefore, spending money is not that simple, even more difficult than making money.
The third bowl: financial management is to make big money.
I want to tell you a cruel reality: for most people, financial management can't make a lot of money.
There is a simple reason. Financial management is a kind of leverage behavior using time. If you don't have enough principal and leverage, it's only a dream to make big money or achieve financial freedom simply by managing money.
According to the 72 rule, if the annualized income of financial management is 10%, it will take 7.2 years to double. Not to mention whether you can realize the income of 10% for seven consecutive years, please calculate how many assets you have after doubling, and can you support your financial freedom?
The purpose of financial management is to avoid risks.
Normal people only want to become richer, but this process will face many unexpected things. For example, work encounters bottlenecks, how to provide for the elderly after retirement, and is there any extra money to pay for illness? If the ability to resist risks is insufficient, it is easy to return to before liberation overnight. So financial management has also become a necessary part.
In fact, financial management earns a small amount, not a small amount, but a proportion. Successful financial management will inevitably realize the preservation and appreciation of wealth.
Financial management is a long process. If you have the mentality of getting rich overnight, it is estimated that you won't last for a few days. A marathon without an end is about patience. The longer you persist, the more obvious the gap will be.
The fourth bowl: people without equity are not rich.
This is the strongest chicken soup for the middle class and the biggest dream of diaosi class. It seems that with equity, you have the whole world.
This bowl of chicken soup also sounds reasonable: with excessive currency, it is impossible to get ahead by increasing wages. Only equity investment is the king of getting rich, and then I will give you the current market value of many well-known enterprises.
People who believe that "no one is rich without equity" are those who believe that "financial management means making big money".
How did the bowl of chicken soup "people are not rich without equity" come out?
First, criticize the stable low income. For example, bank deposits have been approved, saying that no money can be made.
Second, criticize high risks and high returns. For example, stock investment is worthless-stocks are like electrocardiogram, which is too difficult to control up and down. People with a bad heart can't invest in stocks, and it may be better not to do it for a few years. Investing in Internet finance P2P, I found that Internet finance has been on the run in recent years, and the security problem is really worrying, because the laws and regulations of Internet finance can't keep up and there is no way to ensure security.
So I moved out of equity investment and said that equity investment is good, good.
But is equity investment really that good?
There is a saying: you only see thieves eating meat, but you don't see thieves being beaten. Words are not rough, you only see the scenery before investing in everyone, but you never know the bitterness behind it.
Equity investment has been very successful. Behind a successful project, there are thousands of aborted projects in Qian Qian. Professional investors have invested tens of millions in many projects, and you bet hundreds of thousands of hard-earned money on success once.
This does not mean that people are not rich without equity, but that people without IQ will be poor.
By the way, there are still many such wealth management companies that sell some so-called original shares to ordinary investors through chicken soup where people have no equity and are not rich. You may not be rich yet, but these companies are rich by your money.
If you can't play well in stocks, you still play equity investment. Wake up!