Some netizens asked in Zhihu: "Why can't I get rid of the moonlight clan when my salary has risen?"”
Among them, Gao Zan replied: "At present, young people are facing too much consumption, and various e-commerce and marketing accounts use consumerist discourse, advertising, celebrity effects, etc., to create an atmosphere of "you should buy, buy, buy, you are worth buying, buying".
Even if you don't have any money on hand, it doesn't matter, you can spend in advance, such as: Huabei, Baitiao, credit cards, etc.
This explains why you can't get rid of the moonlight clan even if your salary rises: you want to work so hard every day, since your salary has increased, you have to be kind to yourself, such as: a cup of latte every day to improve the quality of life, buy a few more clothes, treat yourself...
The book refers to non-essential expenses in life as the latte factor, which is just a metaphor.
It's quietly eating away at your wallet, and for people these days: making money isn't the problem, it's how to keep it.
Author David D**id Bach), a popular American financial expert in collaboration with John D**id Mann, wrote "The Latte Factor", which can help young people who are struggling with overdraft consumption to change their perception of money.
The book sold more than 7 million copies in the New York Times and 47 points of praise, so far in the top of Amazon's management and business book list.
Zoey, who lives in New York and has a job as a magazine editor with a modest salary. There is nothing left over from the monthly salary except for rent and living expenses. You also have to repay huge card accounts and student loans, and you can only repay the minimum amount every month to ensure that your credit is not damaged.
She couldn't help but wonder: Is this the life I want to live?
Zoe didn't know how to change the situation, and it wasn't until she talked to Barbara Henry many times on the advice of her boss, Barbara.
Boss Barbara tells Zoe about three misconceptions about money:
Myth 1: As long as you make more money, you will become richer.
Most people think that the higher the income, the richer they are, but the problem is actually the spending. A person's financial stability is not a higher income, but rational savings and investments.
Myth 2: It takes money to make money.
The accumulation of wealth does not require a large sum of money, it is a daily accumulation, believing in the power of compound interest, most people who achieve financial freedom are slowly accumulating wealth, not a large investment at one time.
Myth 3: Others will take care of you.
In today's society, only if you have the ability to make money and achieve economic independence, can you live a confident life.
When Zoe knew the three major misunderstandings of money, she changed her consumption style and adopted it, and her life began to change.
Henry told her three secrets to financial freedom.
1. Invest in yourself first: divide your daily salary by 8 to get the hourly wage. Investing the first hour's salary in yourself can be saved as a pension, and compulsory savings are the first step to financial freedom.
2. Don't make a budget, let the account run automatically. On the day of receiving the salary, immediately cross off 20% of the salary and transfer it to the savings account, and directly set up a regular fixed amount of automatic deduction and transfer, so that you can achieve mandatory savings, as long as you set up the account to run automatically, this account can be "pension account photography account".
3. From now on, live richly. Start by identifying what's most important to you, and then follow suit.
The rich always spend their money on the things that are really important to them, and the fraction is exactly the same, only the poor spend their money on boring things.
By following Henry's advice, Zoe paid off her loan three years later and made her dream come true.
The accidents in this book are vivid and inspiring, and although the story is short, there is a profound truth in it.
If you also have financial problems, you can try the methods in the book and your life will change forever.
As it is: Grant, author of "Financial Freedom". In his testimonial, Sabatier said: "Read this book, put it into practice, it will change your life".