It is difficult to make money in society now, but it is indeed very fast to become poor.
An emergency in the family, a mistake in investment, encountered a **, and it was immediately cleared. What I want to talk about here is how middle-class or wealthy families with a certain foundation are declining step by step.
The first is, of course, the bet, which ranks first among the losers, and it is well deserved. Gambling is innate, a bit like a drug. More than 10 years ago, I met a very successful boss who often sponsored the funds and materials of our unit, and his net worth has exceeded 100 million. Of course, if you have money, you need entertainment, and if you have friends, you will take him to Macau. Such stories are the same, and after a few times, they were escorted back by the stacked horses, and they sold their property, the company, and had nothing. Many people think that they can suppress the demon of gambling and never gamble in normal times, but the old house burns faster, and it is usually out of control. So I suggest that people who have never gambled in ordinary times should never go to Macau or casinos, the abyss is staring at you.
The second is wrong investment and entrepreneurship, and investment is also the same as gambling to return to poverty. **and** are both huge risks, and people who have not been in contact with it have a first time will be attracted quickly. **It is nine deaths and one life,**one earning, two draws and seven losses, in fact, if the time is extended,**even one percent is not. We are doing it now, and in three years, we will eliminate seventy percent, and ten years, and eliminate ninety percent. As for those who have money to start a business, and the hot shop company is not good at management or the environment is not good, it will also return to poverty quickly.
The third is encountering. There are bureaus in society that specifically target the wealthy, and the elderly are more susceptible to deception. In short, the money is in your hands, as long as you are greedy, people will look at your principal. Some of them are hard to prevent, but all of them are taking advantage of greed and vanity.
The fourth is inflation, which is more complicated to say. Because everyone doesn't know much about money and inflation, they unknowingly eat away at your wealth, and after ten or twenty years, a dime of green vegetables has now become three or four yuan. Thirty years ago, having two or three hundred thousand savings in the family was already financial freedom, if you deposited in the bank until now, a house in the county is very tight. From this, it is conceivable that in the next twenty or thirty years, as long as you do not move forward, your current wealth and free funds will be reduced to the level of an ordinary family. Therefore, every few years, the threshold for financial freedom rises sharply, and after n years, it is also out of reach.
In fact, this society has been designed for a long time, as long as you don't break out, there is basically no chance to change the class. For example, if we make ** investment, as long as your ** assets are less than 15% per year, they have underperformed inflation in the past 30 years, not to mention changing the class, it is good to maintain the original class, not to mention the underperformance of more than 80%.
If you have 10 million cash now, deposit it in the bank and charge interest on a regular basis. According to the average inflation of the past 30 years, it has been calculated, and the purchasing power you lose is 3,000 yuan a day, 365 days a year, which is almost a falling limit.
Generally, there are not many assets in the family, and the proportion of real estate is large, if you have only tens to one million in cash, you can't feel the change at all, but if the proportion of cash or ** assets is high, the loss of purchasing power is very large, which is an amazing speed, every time the country prints money, your wealth is diluted once, unconsciously.
In the past, it was already astronomical to pay millions for demolition, but now there are hundreds of millions, which are all astronomical at that time. You think you can live your life well, but thirty years later, you are reduced to a civilian again.
Not knowing how to increase the value of financial management is also one of the reasons for returning to poverty, although you don't gamble, don't spend, don't invest, and don't start a business. The only way to maintain wealth stability seems to be to buy CSI 300 ETFs, which are on par with inflation in the long run, and depositing in the bank on a regular basis is definitely underperforming. N years later, they all returned to poverty.
Talking about the reasons for returning to poverty is actually to deepen my impression. This society sometimes forces you to move forward, and those who have no money are very anxious, and those who have money are just as anxious. Contentment and happiness, return to the beginning, life is like a dream, and dreams are like life.