That is, the current domestic market, if I have 654.38+ten thousand yuan.

First, I will choose to do some small business, such as opening a small breakfast shop, because this industry is what people need every day.

Second, buy a small electric tricycle and wholesale some fruit every day. Fruit is also a place that everyone can't live without.

Third, buy 6.5438+10,000 yuan of sound financial products. If you don't have a job, find a job and work hard until the epidemic is over. Why not buy a car? Because cars are consumer goods, it takes at least tens of thousands to keep a car a year, and the car will depreciate every year. If the family is not well off, it is best not to buy a car first. Lighten assets before starting a business.

Thank you very much for receiving such an invitation.

Although I am currently abroad (affected by the epidemic, I can't go back (? ; ︵; )), but also affected by the global epidemic, work is stagnant, and the policy requires everyone to stay at home. The most realistic problem is that income has hardly dropped sharply, and many people must have the same problem.

Therefore, without any source of income, if I have 654.38+million cash, I won't spend it easily, that is, I won't buy a car (a cost-effective business can also be considered). In addition, because I have a characteristic industry, which is highly related to the year of health in 2020, I will selectively import some products, such as sea cucumber, bird's nest and fish glue. After all, these businesses will benefit in the short and long term, not only to recover funds, but also to improve physical fitness.

Everyone should allocate funds reasonably according to their own reality and needs.

As far as the domestic market is concerned, I have100000, and I won't buy a car or do business. I had a car more than ten years ago,100000, and I can't do business. If you have to choose between two, you should choose to do business. You can buy as many good cars as you want after making money. You need money to buy a car first, and then buy a car for maintenance when the business is done. Doing business is also a part of the value of life, and doing business is not easy. You have to know yourself first, whether you have the conditions. First of all, the most successful way to do business is to find the blue ocean in the red sea, so that the start will develop quickly. Competition in the Red Sea is only 654.38+10,000 yuan. Without experience, the probability of failure will be high and the success rate of starting a business will be low. Doing business requires experience, and it is important to have a team and a group of like-minded people. Networking is also very important. Think about buying a car later. The car is a means of transportation, so there is no need to spend money like this.

If I have100000, of course, I am more willing to do business, because doing business can make money, but it also has risks, especially this year's epidemic and serious economic downturn. Find a business that you are familiar with, the success rate will be higher, and you won't earn money beyond knowledge. If you can make money by driving, buy a car. If you can't, don't buy it. Because cars are consumables, new cars depreciate when they go out, and there are refueling, annual inspection, maintenance, insurance and fines every year, which costs about 20 thousand yuan every year. Of course, you have to look at your own needs. If there is a need to buy a car, it is not impossible. The country is encouraging consumption. Therefore, it is recommended to consider comprehensively and avoid blindly following the trend.

If it is a choice, I will choose to do business.

I personally have bought a car. In fact, I don't recommend buying a car unless I have to. Cars are purely consumer goods. There are so many cars now that it is not much faster to catch the rush hour than to walk. Parking spaces are hard to find, so it is better to choose business at present. Although business is difficult at present, it doesn't mean that it can't be done. There are still opportunities. If you don't do it, you won't even have a chance to fail.

Of course, if 10 million is all your money, I advise you to stop and go to your class. If you want to take a taxi, you can't do it without it.

These two choices are different in nature: choosing to buy a car means choosing to enjoy consumption and spending money; And choosing to do business means choosing to "expand reproduction" and making money. If you choose between the two, it's really hard to choose.

The author suggests that the selection should be based on the following conditions:

First, if you have strong financial backing, or the follow-up income is enough to maintain a normal life, usually pay attention to improving the quality and taste of life, or have no business sense at all, you can choose to buy a car first.

Second, if you are an entrepreneur with a weak economic foundation and plan to choose investment projects, I suggest you choose to invest in commercial projects carefully, even if your business fails, you will not lose all your principal; Inform the investment business, you will accumulate experience and find a way to make a living. After earning a certain amount of money, buying a car to improve the quality of life is also a good choice.

In short, it is necessary to live within our means and make the choice that suits us best.

Combine your own conditions and experience. I choose business. Let's talk about the pros and cons of buying a car first. Everyone knows that buying a car is a consumable. 65,438+10,000 yuan to buy a car came out of the 4S shop, which has depreciated to 80,000. Plus various parking fees, maintenance fees, annual inspection fees, illegal refueling fees, etc. It costs at least1-20,000 a year. So one of my own cars has been driving for 10 years and has not been changed.

Tell me again why you want to do business. After working for 10 years, I found that the word "work" would never go out. Even if you think you have worked hard, you may not have a good result. Walking home two nights ago, I found that the middle-aged couple selling breakfast started running, which made me understand that as long as I work hard and diligently, all my efforts are for myself, with goals and goals.

If you haven't thought clearly, don't make a decision blindly. You'd rather deposit 65438+ ten thousand yuan in the bank for financial management first. During this time, you should think more and think more, and then make a decision when the time is ripe. Life is still a long process, so it's okay to consider 1-2 months.

Any large consumption depends on the specific family situation.

Such as: how many people are there in the family, whether there are children and old people; What is the family income, whether to repay the mortgage (monthly payment), and what is the future goal?

Give a chestnut: A certain gentleman is currently unemployed and lives in a third-tier city. A family of three, the child is just a few months old, the wife works in a private enterprise, the monthly income is about 5,000, the family's existing deposit is 1.2 million, and the monthly mortgage payment is 3,800; Parents are in their hometown, and they need to give the elderly 1000 yuan every month.

Ok, let's calculate this gentleman's family property and fixed expenses.

Income: 5000× 12=60000.

Deposit: 120000

——————

Expenditure:

1, mortgage: 3800× 12=45600.

2. Living expenses of the elderly:1000×12 =12000.

3. Family expenses: 4,000×12 = 48,000 (because there are children, this expense is already the minimum standard).

4. Unexpected expenses: 10000 (personal contact, illness or purchase of large daily necessities, etc.). )

Total: 105600

Let's analyze the advantages and disadvantages of buying a car:

Pro: 1. With children and a car at home, it is convenient and safe to travel. After all, the world epidemic is serious and public transportation is still dangerous.

2. The old people on both sides live in one place and need to go back to their hometown to visit their parents on time, or the old people need go on road trip when they come to the city to see their children, otherwise it will be too tossing;

3. You can consider running Didi after buying a car. While taking into account the demand for family cars, we can also have a relatively stable income and share the cost of car use.

Disadvantages: Except for deposits, a family is completely unable to make ends meet at present. If it is a simple family transportation, it is not recommended to buy a car because a family has no other income.

After all, the cost of car use is fixed. At least 3000 annual insurance, about 5000 basic maintenance fees (excluding overhaul fees), as well as gasoline fees, parking fees, tolls and so on.

Entrepreneurial advice:

1. Do you have a good project goal?

2. What is the income plan?

3. Is it a familiar field?

4. Full-time entrepreneurship or simple investment?

5. Do I have a regular job or good skills?

If none of the above is true, please don't start a business blindly.

If it were me, I think I would be more inclined to buy a car. After 20 18, the international and domestic environment is getting worse and worse, especially not suitable for investment or entrepreneurship. Entrepreneurship is a narrow escape, and the probability of failure is very high, especially during the epidemic. More uncertainties increase the risk of starting a business. Don't think that you are smarter than others. If you have more contacts than others, you will succeed in starting a business. When you really start, you will find these natural eggs. There is a saying that 20 18 is the worst year in the past decade, and 20 18 may be the best year in the next decade. Doing a good job in cash flow, doing nothing in 2020 and working with peace of mind may be the best investment. Still buying a car, life is still enjoyable. Now and for a long time to come, oil prices will be depressed, and the auto market will be depressed for several years. It is also a good time to buy a car. You can buy a car to improve the happiness index of yourself and your family!