Those who do not seek eternity are not enough to seek a moment.
Author: Insight YY
Warren Buffett makes a point in his "Letter to Shareholders":
A company operating in an unsuitable industry, adopting an unreasonable structure, etc., may become its hidden liability, which determines its development prospects.
In fact, the same is true of people, everyone is invisibly burdened with a lot of hidden debts.
Especially the poor, the low-dimensional, short-sightedness and bad habits inherited from his parents are hidden in his life.
These congenital defects affect life choices and judgments, and seriously limit people's growth and development.
Hidden liabilities like this, if not liquidated as soon as possible, can only be allowed to drag down life.
Only by making targeted repayments can you lose your burden and complete the counterattack.
1
Cognitive debt
I've seen the story of Bangladeshi economist Yunus.
Once, while visiting India, he saw three young women throwing sand on the road.
Feeling strange, he stepped forward and asked.
It turns out that this is a good business with no money:
The women salvaged wet sand from the lake and laid it on the road for cars to run over.
In less than a day, the original grit will become fine and clean.
They collected the fine sand and sold it to wealthy people to wipe down high-end dishes.
Yunus was keenly aware of the business opportunity and advised them:
I can help you build a grit processing plant, extend the industrial chain, and make more money.
The women refused, "No. My mother told us that we could survive by lifting sand. ”
These people have used their ingenuity to make a living, but they have missed out on the opportunity to earn more wealth.
The root cause is that the cognition they inherited from their families has become a shackle that shackles them.
Netizen @杨飞 has shared his life experience.
He was born in a remote mountain village in the west and was admitted to a 985 university in Shanghai to major in civil engineering.
At that time, as long as it was a civil engineering graduate, construction companies would rush to ask for it.
Yang Fei's professional grades were among the best during his time in school, and when he graduated, many large companies in Shanghai gave offers.
However, in the face of Shanghai's lucrative work conditions, he hesitated.
Because since he was a child, his parents told him: Only by entering the state-owned enterprise can you have no worries about food and clothing for the rest of your life.
After thinking twice, he resolutely turned down a job offer in Shanghai and returned to his hometown to become a full-fledged employee of a state-owned enterprise.
Who would have thought that in just four or five years, he would regret his original choice.
It turns out that in the past few years, the students in Shanghai have all been thriving, with an annual salary of nearly one million.
He is oblivious to everyone, receiving a salary of three or four thousand a month, and he has seen the end of his life.
You see, a person's poverty begins with the cognitive debt of his parents.
In reality, many parents from poor families have a low level of education and shallow cognition, and they cannot see the higher level of the world at all.
In their opinion, the best job is the compilation of other people's mouths;
The most beautiful life is to become a person with a face in the town.
Naturally, under the guidance of their parents, children will also lock their life goals in a small world.
In the end, the people at the bottom will repeat the life of the older generation from generation to generation, and fall into the cycle of poverty.
Writer Cai Lei once pointed out that the first step for the poor to break through the class is to defect from their parents, and then desperately upgrade their cognition.
When you pay off the cognitive debt owed by your parents, you will naturally be able to jump out of the predicament of poverty.
2
Vision of the debt
Nietzsche said that our eyes are our prisons, and as far as our eyes can see, they are the walls of prisons.
Short-sighted people often miss greater opportunities in vain because of the small profits in front of them.
They think they have made a lot of money, but they don't know that they have already overdrawn the bigger money opportunities in the future.
This is the debt of the vision of the poor.
More than 10 years ago, there was an Internet singer Pang Mailang.
He grew up in a poor family, and he couldn't even afford to buy new clothes for the Chinese New Year.
In 2014, one of his songs became popular and spread to the streets.
In the face of huge traffic, Pang Mailang felt that if he took one more commercial performance, he would be able to make more money and live a better life.
With this in mind, he often took on three or four commercial performances at the same time, and he did make some money.
But because of frequent commercial performances, he has no time to study new songs and polish his singing skills.
A few months later, because there was no new work to maintain the popularity, the number of commercial performances invited to him became significantly less, and even if there were occasional performances, the appearance fee was much lower than before.
In less than two years, he lived a tight life before the explosion.
In life, there are many people like Pang Meilang, who only care about short-term interests and neglect future planning.
As a result, when the windfall is exhausted, they are again impoverished.
reminds me of a quote from the financial writer Wende:
Your vision determines your choices, and your choices determine your prospects.
In the final analysis, a person's current poverty is a debt owed by his own vision.
Because of short-sightedness, the poor would rather do simple jobs that pay a few thousand a month than spend time studying technology;
I'd rather lie flat in the comfort and comfort of my old profession than update my skills and learn new knowledge.
When the black swan of the times appears and subverts the work they once had, they can only sit back and return to poverty.
The ancients said that those who do not seek eternity are not enough to seek a moment.
Only by looking far ahead, making long-term plans, and paying off the debts of your vision can you seek stability and a prosperous life in this world.
3
Habitual debt
Thomas Corey, a well-known financial planner, spent five years doing a study:
He also tracked 177 self-made billionaires and 128 people struggling on the poverty line.
In the end, it was discovered that the fundamental gap between the rich and the poor is hidden in daily habits.
Entrepreneur Ling Jun once recruited Xiao Li and Xiao Zhang, two interns with comparable academic qualifications.
He found out from his resume that Xiao Li's parents were company executives, while Xiao Zhang was born in a rural area, and the former's family conditions were significantly better than the latter's.
At that time, HR jokingly said: Xiao Zhang came out of the countryside, he can endure hardships more, and he will definitely be able to turn positive.
Ling Jun flatly denied it: Although I sympathize with Xiao Zhang, Xiao Li may be better.
Later, the two entered the workforce.
Xiao Zhang seems to be active in his work, but he always does things roughly and perfunctory.
When making a project plan, just copy the old routines;
When the meeting is discussed, opinions are seldom raised and opinions are expressed.
Half a month has passed, Xiao Zhang has participated in a lot of work, but his ability has not improved.
And what about Xiao Li?
In his first week, he gave himself a list of long-term and short-term goals.
In the face of the things to be completed every day and the goals to be achieved, he does not delay perfunctory.
After work, he is not idle, but takes the initiative to study books and technical materials in his own industry to supplement relevant knowledge.
Before going to bed, he would spend half an hour reviewing the day's work and summarizing the problems that had arisen.
In this way, in just a two-month probationary period, Xiao Li has become handy at work, and Xiao Zhang has made mistakes again and again when doing some small things.
HR was surprised by Ling's previous accurate predictions, which Ling Jun explained:
"Their disparity is rooted in the disparity of habits, because wealthy families are more able to cultivate the habit of wealth in their children. ”
Found out?
Many poor people are willing to work hard, but they don't know how to do it properly.
While they earn hard-earned money, they give up the high value-added wealth at work because of many bad habits.
In the end, they suffered a lot and could only receive a meager salary.
As education expert Sun Yunxiao said, good habits are interest, and bad habits are debts.
The bad habits that the poor carry with them will only make them more and more indebted.
So what we have to do is to start from the subtleties of life and work, and get rid of every bad habit.
When you get into the habit of being rich, you will slowly become more outstanding.
▽
Economist Lan Xiaohuan once said:
The first difficulty in repaying hidden debts is that they cannot be effectively liquidated.
This kind of liability is hidden, and although you can't see it, you've been stealing your assets.
Only by finding out the hidden debts hidden in life can we prescribe the right medicine and make repayment.
If you don't know enough, you should read thousands of books, and if your vision is too shallow, you will travel thousands of miles.
By breaking down stereotypes and cultivating good habits, you will naturally be able to get rid of the fate of poverty.
Give it a thumbs up and encourage your friends.