As the saying goes, the early bird catches the worm, and no pains, no gains. In other words, as long as you work hard enough, as long as you are busy, you will gain something. Then why are so many people still busy, but still poor? There are three reasons:
▍ 1, the income is average, but the consumption desire is too great.
It is true that no pains, no gains, but no gains can only solve the problem of food and clothing. If you really want to live a better life and have economic freedom, you need ten harvests, even hundreds. In first-and second-tier cities, there are many people whose monthly salary is above 1 10,000, but there are more people whose monthly salary is below 1 10,000. Many people have to give half of their income to the landlord, and those who have a house have to give it to the bank.
Some time ago, I saw a very shocking data. After 90, the average debt is as high as 1.2 million, which is 1.8 times of the monthly income. At first, I doubted the authenticity of the data. Later, I saw many readers leave messages saying that they had worked for several years, had no deposits, and had a lot of debts. Some people owed 6.5438+million, while others owed 500,000.
The reason why many people can't make ends meet is that their income can't keep up with their consumption. Many people are too easily influenced by the concept of "exquisite life". They blindly pursue a high-quality life and do everything well. Besides, because of the convenience of consumption, they have too many ways to borrow money.
All in all, all these factors make many people slaves to the exquisite life. Why do many people dare not resign even if they are unhappy at work? Because he has no savings, everyone has to pay back a lot of money. Rob Peter to pay Paul to fill all kinds of loopholes, so his funds can't be broken.
This is a very realistic and common phenomenon: although many people have worked for many years, they are unable to face some changes. In fact, it is no problem to satisfy yourself and live the life you want, but only if you have enough strength, rather than overdrawing the future. It is understandable that you earn 50,000 yuan a month and spend 20,000 yuan. But if you earn 5,000 yuan a month and spend 20,000 yuan, there is a problem.
I always think that investing in your brain and talent is the most important place, not buying all kinds of cosmetic mobile phones. Income cannot keep up with consumption. Even if you work hard and are busy, you still have no money. What many people lack is not the ability to make money, but the control over consumption.
▍2. The income cost performance ratio is too low, and it falls into an infinite cycle of poverty.
Some of them have good control over consumption, and even are quite frugal and work very hard. They are busy every day, but why are they still poor? Due to the low cost performance of income, it has fallen into a dead end of poverty.
Many people are poor and need to work hard. On the contrary, they work too hard, such as couriers, assembly line operators, roadside vendors, waiters ... they start working as soon as they open their eyes. Work for more than ten hours every day and eat three meals in a hurry. Then I was tired all day. Either go home to sleep or watch TV to relax. Maybe they earn a lot, too. For example, the income of many couriers is much higher than that of office white-collar workers, but their high income is based on high salary. In exchange for the cheapest labor force, more than half of them work 24 hours a day, and there is often no substantive breakthrough in their current work.
What does this mean? A person's own value and ability have not been improved, which means that it is difficult for him to make a big breakthrough in his salary and he can only earn hard money all the time. Making money depends not only on the amount of income, but also on the cost performance of income and the form of making money.
It is difficult to break through the income of pancake aunt with a monthly salary of 30 thousand, because it has reached the limit. Go out at five or six in the morning and get off work at nine in the evening. Time and energy have reached the limit. Working 8 hours a day, white-collar workers with a monthly salary of 5000 yuan are different. He has time to improve himself. This is hope. That's why I always suggest that you use your spare time to improve yourself. You can't make money simply by labor. It's hard, and I often don't make much money.
▍3. Low quality diligence and inefficiency
I often say that not all people who work overtime deserve praise, and not all busyness deserves recognition. Because many people are low-quality coolies, to put it bluntly, their efficiency is too low and their ability is not good.
There is a scene in the TV series "Shanghai Women's Picture Book": Luo Haiyan can't use shortcut keys when making an excel form, and one data counts for half a day, while the colleague next to him uses the algorithm formula in the form to get it done in two seconds. This is the ability to work, and doing things efficiently is the most important quality that people in the workplace should have.
What is efficient? It takes others three hours to finish, and you only need one hour. The quality is still very high. The less input, the more output. This is high efficiency. If you are efficient, you will be appreciated by the leaders, and you will have time to do more things, such as improving yourself, such as getting off work on time to do part-time jobs and socializing. ...
And many inefficient people are so busy every day, jumping up and down, and have never grown up. This is the gap, and this gap will widen, just as the rich are getting richer and the poor are getting poorer.
This is a question worthy of our consideration. We should not always be moved by our own efforts. Sometimes we should reflect on whether we are incompetent or not, rather than working too much. A good life is efficiency. Since we have worked hard, we should strive to maximize the return, strive for a better life, and avoid the embarrassment of being poor and busy.