The post 80s middle class who collectively returned to poverty, what should I do?

Mondo Social Updated on 2024-01-28

Hello, I'm Uncle Qi!

Today, I will talk about the post-80s generation, themThe generation known as "historical cannon fodder".

Because they have not caught up with the best time of real estate, they can only become high-level receivers, and they have not caught up with the era of reform and opening up.

But what caught up was delayed retirement, not to mention catching up with the chicken baby, and the unemployment and layoffs that came at every turn.

Looking at the group of people who can reach the middle class in 70 years, it should be said that they are the luckiest generation.

In the most ** 20 years of his life, he has stepped on almost all the dividends of the times. No matter how bad it is now, as long as there are no major mistakes in principle, at least the emaciated camel is bigger than the horse, so that the word "return to poverty" will not be used.

And the post-90s, the oldest age is only 33 years old this year, and there are not many people who can reach the middle class with their personal strength.

Therefore, the so-called large-scale middle-class return to poverty is actually precisely speaking, it refers to the post-80s middle class.

What are the reasons for the post-80s middle class to return to poverty?It mainly focuses on three aspects, namely:Skill list.

1. Self-righteousness and upward benchmarking.

First, the skill is single

What is the middle class, this property refers to income, in China, it may be more specifically manifested in real estate. In essence, it is the proletariat whose income has reached a certain level and whose main income is real estate.

But we know that the property has long passed the bonus period. Even if it is self-occupied, it is already fortunate that it does not depreciate, because there may be millions of mortgages.

More importantly, because they do not own the means of production, their income is actually in jeopardy, because they do not know when they will be laid off and unemployed.

Originally, I didn't put **, but this screenshot on November 8th still makes my nose a little sour.

Because this is very obviously real in the world, not that it is a hypocritical copywriting.

This is also a very typical member of the industry army of qualified products produced after being disciplined by work.

In other words, in fact, industrialized organizations, in addition to producing products, also produce qualified employees - that is, qualified workers who take standards and obedience as the first priority, and take standard implementation as professional virtues.

And the more standardized the organization, the more singular the function, because the more singular, the higher the efficiency.

As a result, except for the screws that I am familiar with, I almost don't know anything else. Once you encounter an industry crisis, you will immediately become worthless.

Therefore, Uncle Qi has always suggested that workers must take advantage of the period of stable workHurry up and make your own job worksThis is the most valuable thing to do to yourself as a worker.

Otherwise, when you lose your job, you will find that you have nothing to rely on.

2. Self-righteousness

Although the post-80s middle class has not caught up with the complete period of rapid economic development, it also has a 10-year dividend.

At that time, it was a carnival before the night, and all walks of life were being manufactured by capital at a premium far higher than the actual level.

The founder took the PPT to tell stories everywhere, and investors bet everywhere, followed by the A round, B round, and C round, and the listing circle money left.

The madness before the bubble burst created one entrepreneurial myth after another, and also created a group of high-paid workers.

This makes many post-80s people have an illusion, thinking that their high salary is completely due to their ability, and this high income will continue.

However, when the de-bubble action represented by the rectification of education and training and "housing not speculation" began, especially the sudden arrival of the epidemic, the bubbles of all other industries were also squeezed out.

And then in response to that sentence, when the tide receded, it was only known who was swimming naked.

Therefore, the current income of the middle class can be said not to be reduced, but to return to their original value.

3. Upward benchmarking

In the past ten years, represented by the real estate, Internet, and finance industries in the system, a group of "pseudo-rich" people have indeed been created.

Under the guidance of the banner of consumerism, from famous cars, watches and bags to real estate, investment, entrepreneurship and international schools, the consumption is benchmarked, at least from the outside, it looks like the rich, as if it is no different.

But in fact, the internal difference is enormous: the real rich use the means of production to make money, while the middle class uses their own wages and savings to pretend to achieve a superficial class jump.

Isn't it ridiculous to think about it yourself?

In fact, before that, the middle class in Japan and the United States returned to poverty, which is enough to explain the situation today. It's just that when you're in it, people often take chances, thinking that they might be different.

Today, there are only two kinds of people in the post-80s middle class who are still strong:

One is to maintain the Xi habit of lifelong learning Xi, keep up with the trend at all times, and constantly unlock new skills to adapt to the vigorous development of enterprises and society - such as Mr. Luo Xiang, Dong Yuhui, etc., are typical representatives.

Because of the accumulation brought by lifelong learning Xi, with the blessing of live broadcast and **, their influence has been amplified.

One is to recognize the reality one step ahead of others, leave the part-time job early, step on all the pits that should be stepped on, and then re-energize the new middle class on a new track.

This kind of people, because of their single skills but high self-esteem, are likely to relocate to the entity after leaving the company, so they will lose money on investment and close the door, and they will all go through it, which is called stepping on all the pits.

Sometimes, people don't wake up without a deep enough lesson. The frog in the warm water has no sense of crisis, until it wants to jump but can't jump out, it can only die in the pot.

Like now, if you're not unemployed and you're doing well, you might still be dismissive.

But when you actually come out, you will find that it is very difficult to earn 100 yuan independently.

If it's not because of face problems, or because of the lack of independent earning ability, you can only choose to go to another platform to work in another way of selling your physical strength.

But once this group of people comes to their senses, they may also be the group most likely to shine.

The key to this is whether it hurts enough to wake up, and whether the blow is deep enough - the deeper the pain, the more likely it is to self-revolutionize and truly choose to live again in another way.

Because the basic qualities are there, as long as the level of consciousness, as well as courage and determination, will directly affect the next action - whether to return to the old way or self-revolution.

If you are already one of those people whose income is declining and on the verge of falling back into poverty, then your current choice is only four words:Open source and reduce expenditure.

Let's start with throttling. It is well understood that it is to change consumption Xi and buy goods and services whose use value is more compatible with **.

Those vain face consumption, you can save it, including children's education.

Like any private aristocratic school, ** specialty class and the like can be withdrawn, because betting on children's education at the cost of sacrificing basic living security, the whole family atmosphere is heavy and depressing, and it is impossible to cultivate excellent children.

Chatting with a friend a while ago, he said that his current income has shrunk a lot, but no matter how much he saves every month, the basic living expenses also need more than 20,000 yuan, otherwise he doesn't know how to arrange his life.

I really have nothing to say when I hear it, this is really a modern version of "why not minced meat" - I think of Sister Mang, who needs 6.5 million for breakfast.

If people do not learn to face reality, they can only accelerate their return to poverty until they sit on a mountain and eat nothing.

Let's talk about open source - open source is also four words, called learning to invest.

Huh?Still investing?- Yes, learning to invest means - don't just invest in anything, foreign exchange, ** or entrepreneurship, but to invest in people.

Of course, there are two scenarios here:

One is that the remaining assets are low, and even due to the high mortgage and car loan, the current negative equity people, then they can only invest in themselves first - they must learn Xi new skills, new skills that keep pace with the times.

If you don't have any skill advantages, then learn to Xi sales, starting with selling other people's things. Right now, there are only three types of money to make

At this time, don't start randomly, if you don't have a little planning, just take hardship as inevitable, then there is a high probability that you will be ruined for a lifetime, you must be careful. Understand these three differences, and you won't have to work too hard to make money

The second type is those middle class who are currently experiencing a reduction or even a break in their income, but still have some savings on handIt is to try our best to enter a good circle, and find some small projects with a certain degree of certainty to invest in in a good circle.

The key to certainty in this is that you have to personally contact such an actual operator or a leader, and you see that he has already obtained the results, one is that they are just due to the shortage of funds and cannot expand their profits, and the other is that they cannot completely copy it to you.

Then the good choice at this time is youInvestor's approach, to carry out a certain proportion of equity distribution with the other party, if you contribute money and he contributes, then you will most likely be able to get far greater income than any financial product on the market.

There will be such projects, but they will all circulate in small circles. Whether you can find it depends on your understanding, vision, connections and opportunities – this is still a more traditional approach.

Another is that you see that they get the results, but they can replicate them exactly, so that's a good choiceIt is to invest in yourself, build a business model centered on yourself, and become a new individual of a one-person company that is in sync with this era.

In this era of self-expression, taking yourself as the center and precipitating all the accumulation on yourself is to dig the deepest moat for yourself - so that every step of your efforts is compound interest. The premise is that you yourself are already in that circle.

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