"Self-reliance, hard work, diligence and thrift to build the country".These slogans and ideas were usLast centuryThe magic weapon of governing the country and governing the family of the times. Because at that time, our country was poor and whiteof。Now educate young people with this concept, which they believe can only get rid of poverty, not become rich. The reason is that all working-class people, the families of office workers, are more frugal than self-employed and entrepreneursHowever, none of them got rich.
Recently, I happened to read an article by writer Liu Yong, and I realized that the theoretical basis of contemporary youth has a source. Mr. Liu Yong met a young student who came to Taiwan without his parents at the Metropolitan Museum of Art, and although his family's financial situation was not very good, he drove a fashionable Toyota sports car to teach Chinese children in the neighboring town in English, mathematics, physics and chemistry. Although he earns 1,000 dollars a month, he spends most of his time driving.
"In Taiwan, I often see families with the same income, all living at a completely different level," Liu said.
One kind of person is thrifty and housekeeping, and he is reluctant to throw away even the toilet paper that has wiped his mouth, and wants to wipe the table again; The handle of the spatula has fallen off, and it will be used with a waste cloth. One kind of person looks a bit wastefulWhen something is outdated, replace it immediately; The next day, the newspaper is immediately discarded; The kitchen is spotless, the pots and pans are very simple, but they always look like new.
According to the theory of the past, of course, it was the frugal family in front of him who could have a better lifeBut in fact, the latter not only has a much better quality of life, but also a clearly stronger economy than the former. This is because the latter not only has a modern concept of life, but also has a newer approach to financial management. Make them inProsinterest, and get a good profit on investment. Gradually, these two types of families entered different social levels, the new one became newer, the old one became older, and the distance became worse and farther away.
I don't know the readersYouparents as wellYouI belong to the above type of family financial management concept, which directly affects our life, and even the fate of our children.
In the concept of wealth management,YouYou can read Mr. Huang Peiyuan's "The Bible of Wealth Accumulation", he believes that if you want to get rich, you must first establish a scientific concept of investment and financial management, and persevere.
A Taichung postman, he owns a double B limousine, and he rents out the house just for a monthly rent10,000,Mr. Postman, who is not relying on open sources to reduce expenditure, but just puts assets in the right place and diversifies assets, which is one of the models of social financial management to get rich.
IfYouIf you don't believe it, let's take a look at the revelation of the Nobel Prize: the Nobel Prize will release 5 prizes every year, and a huge prize of up to $5 million must be paid every year.
The Nobel Prize Society was founded in 1898 with a $9.8 million donation from Nobel. Since the Association was established for the purpose of paying scholarships, the administration of the Association does not allow any errors. Therefore, in the early days of its establishment, it clearly formulated the investment scope of the association, which should be limited to safe and fixed-income investment targets. For example, bank deposits and public bonds, especially should not be invested in ** and real estate, so that ** is exposed to the risk of rising and falling.
However, after more than 50 years of this principle of safety first, by 1953, the assets of the association were only about $3 million.
Seeing that the assets of the first meeting will gradually be depleted, the directors of the first meeting woke up in time and realized the importance of the return on investment to the accumulation of property, so they made a breakthrough change and changed to the financial management concept of investment and real estateA single thought reversed the fate of the Nobel Prize. In the following 40 years, huge bonuses were issued, and in 1993, the club not only made up for all the past losses, but also increased its total assets to $270 million. If the Nobel Prize in 1953 had not changed its course and still maintained the financial management method based on depositing banks, it would have disappeared today without any bonuses.
It can be seen that if we want to become one of the rich as soon as possible, we must only rely on frugalityIt is not possible to open up sources and reduce expenditure. We must update our concepts in a timely manner and make money with a wise mind. Like the high school student Liu Yong met by chance, if he was only frugal, he could only maintain the cost of school, how could he wear elaborate clothes, use a brand-name mobile phone, and drive a streamlined sports car? However, these are all things he does in his spare timeThe result of the efforts of a tutor to take college courses in high school. His clothes, his chariot satisfied the vanity of the young man, and he was paid monthly by the teaching of the writerIsn't it precisely to promote consumption to stimulate production by using multiple installments and insurance premiums, and being able to grasp every minute of his life as a tutor, and to be able to get the best grades in his studies, and to win the trust of his classmates?
IfYouIt just so happened to be a high school student and a college studentYouDo you appreciate his approach or do you cut back on food and clothing, and only rely on the money sent by your parents every month to maintain the same student life?
In other words, in the past, wealth was accumulated by saving consumption, but now it is stimulating production by promoting consumptionYouWhat ideas do you think will make our lives richer, more fulfilling, and more romantic?