First of all, what I want to say is that having less money is not necessarily a bad thing, because it can stimulate your desire to fight, make you uneasy with the status quo, use your brain, and let you experience the true meaning of life. Looking back, you will feel that your life is very fulfilling, and conversely, more money is not necessarily a good thing. There is a saying that when money is your slave, he will be a very loyal slave. , when money is your master, he will be a very bad master. Therefore, you must know how to master the character and temper of money. Otherwise, having more money will not bring you happiness, and may even bring you happiness. Come disaster. Therefore, you have to understand that the amount of money increases with the growth of your experience and knowledge. If you want your money to grow, you must first let your knowledge grow.

We make money in the following stages:

20 to 30 years old rely on physical strength to make money,

30 to 40 years old rely on brain power to make money, < /p>

Relying on friends to make money between the ages of 40 and 50;

making money after the age of 50.

Why is there such an order? Let’s analyze the following:

Making money by physical strength

When you first enter the society, you have no knowledge, experience and capital. You need to earn income by working hard. On the one hand, you have to endure hardships. This makes me more perseverant, and on the other hand, I continue to learn in this process to accumulate relevant experience and funds, and lay a solid foundation for the next stage.

Relying on brainpower to make money

Many people say that they want to start a business without capital. In fact, if you have capital, you still lack many conditions, such as the hard-working spirit of the country, relevant experience, and in yourself In the process of starting a business, you must continue to specialize in your own technology. Ge You said, what is missing most in the 21st century? Talent! In addition to being entrepreneurs, people who have entered this stage can also rely on their own unique skills to earn income. No matter which type, they must go through the first stage of efforts.

Making money from friends

Friends are also interpersonal relationships. A survey report from Stanford University in the United States shows that 12.5% ??of the money a person earns comes from his own knowledge, while 87.5% is earned from interpersonal relationships. Many people hope to meet noble people when they go out, but they have never thought about why noble people should help them. If your own quality cannot improve, there is no use in trying to improve it. Therefore, you should improve your own quality and establish your credibility in the first and second stages, which will naturally attract more people to help you.

Making money by money

Many people say that it is difficult for people to make money, but it is much easier to make money. However, through these stages, we can see that there is a difference between making money for people and making money. Over the past few decades, the only difference is actually good information channels, rich experience and knowledge, abundant capital and a stable mentality, so as to be able to cope with the ever-changing capital market.

It should be noted that each stage here does not necessarily last ten years. If you work hard and take it step by step, you can still make money at the age of thirty. If you don’t study, you will still have to work at the age of sixty. .

Secondly, financial management advice:

Reduce expenditure

To put it simply, it means to use part of the expenditure rationally and create greater value with less money. , need to pay attention to the following aspects.

1. Distinguish whether this consumption is a need or a want

Needs are necessities of life. Without them, the quality of life will be affected, so the money should be spent.

If you want it to satisfy your vanity, without it it will not affect the quality of life. You can spend the money or not. If you want to spend it, you must make a plan to avoid falling into a financial crisis.

2. Distinguish whether this consumption is an investment or a expenditure

Investment can bring you returns, while expenditure will make your money gone forever.

3. Learn to control your own consumption desires

The key is this, the difficult part is difficult, the easy part is easy, you must pay attention to the method.

First, take a long-term view

Think of your necessary expenses such as marriage, buying a house, children's education, pension, retirement, etc., and make plans for these stages. Then when you consume Sometimes you will also have more eyes.

Second, you must have your own goals

The poor are poor because they lack the ambition to become rich. This is the standard answer recognized by all rich people. The establishment of life goals can cultivate one's ambition, make oneself work hard, and not hesitate to scrimp on food and clothing.

4. Start keeping accounts today, and summarize them once a month. Then every quarter, half a year, and one year, you must summarize and plan. In fact, take a dozen minutes every day to record the accounts and keep a diary. Writing well is a very good habit.

Three: Financial planning

1. Be aware of your own assets.

Don’t think that cash and real estate are your assets. In fact, there are many intangible assets. For example, if you are not satisfied with the status quo, you must have a clear goal to maintain it. Be focused on everything else, including your credibility, connections, work experience, etc.

2. Start getting in touch with tools that increase the value of your money

In order from low to high in terms of risk and return, they are:

Regular savings, bonds, and bank financial management Products, insurance, gold, funds, real estate, stocks, collectibles, futures, foreign exchange, lottery, etc., and there are many derivatives among them

Gradually determine the direction of fund allocation

Complete your financial goals such as marriage, buying a house, childbirth, education, support, and retirement

Generally speaking, you can choose 3 to 5 of them

3. Divide your income into N parts (such as living expenses, debt repayment, house purchase funds, etc.) and install them separately

If you save a certain amount, you can put it in appropriate value-added tools (another note: as a means of forced savings, fixed investment in funds is a good choice)

4. Add value to yourself

Can a piece of iron be sold for the same price as gold of the same weight?

Who can do it?

Many people are wondering why other people’s annual salary is hundreds of thousands, but my annual salary is only tens of thousands?

To put it simply, your income represents society’s recognition of you. If your annual salary is tens of thousands, you may only complete a certain process in a corner of the factory, and you serve very few people. With an annual salary of hundreds of thousands or even tens of millions, his products are sold to every corner of the world and he serves people all over the world.

Therefore, your service determines your income. This is a logical relationship. We should focus on the former rather than the latter.

Back to the previous question.

Americans did it. F22 is worth more than one billion US dollars, equivalent to the price of gold of the same weight.

We know that its technological content is very high, even for a product, let alone a person?

So, we should absorb the knowledge around us like a sponge absorbing water, and constantly arm ourselves with knowledge, such as taking a professional certificate related to ourselves, etc., so that we can become irreplaceable people in the unit.

I also saw another question of yours, so I’ll share it with you. In fact, I’ve also walked the path you’ve walked. Generally speaking, a young couple starting from scratch needs to work hard on their own for five years. Only through primitive accumulation (at least five years) can you gradually move towards financial freedom. During this period, you can only continue to learn relevant knowledge. You can order some magazines (Learn Financial Management, Financial Management Weekly or Private Financial Management, etc.) and buy some books (Financial Management Classes of the Rich Man in Babylon). To convince your parents, there are the following reasons:

1. You can’t just look at the present when looking at a person, you must look at it from a development perspective. To see whether he is a growth stock, you need to see whether he has the following qualities: A few hearts are regarded as five standards:

Confidence, perseverance, love, responsibility, and ambition.

2. He treats you very well.

3. He is very filial to his parents.

4. What you have to do is support him, encourage him, and help him become successful.

Believe in yourself, and through your own efforts, good times will definitely be waiting for you. I wish you happiness in the end