There is a passage in the book "Rich People Don't Think Differently": "You do have to work hard to make money, but for rich people this is only a temporary situation, for the poor it is eternal." 」 ”
Looking at real life, it is true, although everyone is working hard at the beginning, but the ending is very different.
Most ordinary people, in order to live, do need to work all their lives until retirement. Unfortunately, you may still face a bad financial situation after retirement.
There are only a few rich people, who also work hard to save money at first, and then slowly invest with the money they earn, and when they have more and more money on hand, they achieve financial freedom, so they can retire early.
Speaking of which, I think of robert Qingqi's two fathers, poor dad and rich dad, the author of the best-selling book "Poor Dad Rich Dad".
The poor father was his biological father, who worked hard all his life and did not save much money in the end.
Rich Dad is the dad of his friend, and when he was a child, he followed his friends to learn how to make money with his friends.
When the rich father first started, he was also very hard, hard working, and there was no money at the beginning, but as he worked more and more money, he took more money to invest, and then his assets were more and more, very early, financial freedom was achieved, and eventually he could retire early.
So you see, it was also hard work at the beginning, but due to the different purposes of work, after working for a period of time, the direction of everyone's life changed.
The poor have been walking on that track of going to work and making money, and the rich have long since withdrawn from this track and entered another fast lane of getting rich.
They no longer need to make money on their own time every day, but in more other ways, such as letting money help him make money, letting others help him make money, and so on. They build up their assets and create more passive income.
This is undoubtedly the way to make wealth grow faster.
Here, I would like to give another example.
In the company, we all know that the most profitable and the most money-taking is the boss.
Even if employees work hard and work hard, they can still only receive a salary of thousands to tens of thousands of dollars per month.
Many people have been dissatisfied or complained about this, but in fact, the huge difference in the income of bosses and employees is manifold.
Here we will only talk about the use of money.
After getting a salary every month, for office workers, most of them pay rent, pay mortgages, and then eat, dress, shop and so on.
More self-disciplined office workers may be able to save a part of their salaries every month, and many people who spend money without moderation are likely to have moonlight every month, more or less.
But the bosses, after getting the income every year, in addition to the most basic family expenses and personal expenses, they continue to invest most of the money in the business.
I've heard more than one boss complain about being tight on money and running out of money. When I asked, I realized that I had either bought a new machine again, or bought goods again, or opened up a new business.
For the bosses, they continue to invest most of the annual profits in their business, because there is no boss who does not want the business to flourish and continue to expand.
There are also some bosses who are helpless, such as the industry competition is too fierce, the industry standards are too strict, or their business is too single, afraid that the ability of the enterprise to deal with risks is not strong, so it is necessary to continue to grow and develop to enhance the ability of enterprises to cope with risks.
In order to continue to allow companies to roll forward, to grow, or to continue to develop to be more competitive, they have to invest a lot of money in the business, and sometimes even borrow money from banks.
Before I heard the boss shout that there was no money, I always felt that they were crying poor, and then I learned that it was true, and their burden was very heavy.
It's just that for them, it's a "sweet burden." Because the bigger the business rolls, the stronger the ability to make money.
This is the difference between most ordinary people and bosses in terms of using money.
From here, it can also be seen that ordinary people and bosses, the poor are rich and poor, and the rich are getting richer.
In the book "Rich People Don't Think Differently", the author mentions a point:
"There's nothing wrong with the old Protestant work ethic of saying that a dollar of work is exchanged for a dollar of work, except that they forgot to tell us how to deal with that dollar, and as long as you know how to deal with that dollar, you will move from hard work to smart work." 」
Speaking of this, I suddenly thought that most ordinary people, the most important asset in their lives at present should be the house we live in.
However, when they first bought this house, many people just wanted to have a home based on the traditional concept of Chinese.
People who buy a house for investment purposes are, after all, a minority. But in the end, many people are surprised to find that the house they bought to live in has become the most important asset in their lives today, when the real estate is developing rapidly.
This is because the house not only has the function of living, but also a very good variety of investment.
Most people don't necessarily understand this. However, many people have made money by buying a house.
Think about it, if we had spent the money we saved into cars or other consumer goods, clothes, cosmetics, luxury goods, etc., then we might not have such an important set of assets that can increase in value - a house.
So you see, how the money we earn, how to use it, is also very critical.
Where you spend it may determine the future, whether your assets are becoming more and more abundant or less in your life.
These two days just happen to be double eleven, look at the hot scene of double eleven, you can understand this truth.
Most people are waiting for the double eleven crazy consumption, spending many, many dollars to buy many, many things.
And only a small number of people: platforms, merchants, they are in the double eleven, although they are also spending money, but their money is spent on increasing production, hoarding goods, advertising and other aspects, and finally a double eleven big promotion, they earn a lot of money.
So for many merchants, "Double Eleven" is almost the best time to make money every year.
This can also show that after the poor and the rich make money, the way they spend money is different - one spends on consumption, the other spends on investment, which ultimately leads to a completely different life and direction.