Ordinary people will always have a feeling that no matter how hard they work, they just can't save money, especially after having a family, they basically have to tighten their belts to live, and they are especially afraid of losing their jobs.
So, why can't they save money after working for many years? Many people think that this is because their family's consumption is too high, and their monthly salary is simply not enough.
Some people also feel that this is mainly because prices are rising too fast, and wages are never rising faster than they are rising.
Some people even feel that the main reason why they can't save money for many years is because of too much investment in raising their children......
In short, everyone's answer makes sense, but it is not the root cause of insufficient wages, too much spending, and not enough money at all. It's the business logic of "harvesting".
In any market environment, as long as there is a relationship between supply and demand, there will inevitably be benefits, and in this case, if the brain is not enough, it will not turn around, and it will be harvested by some business traps.
And the traps mentioned below are "harvesting" your family, which is also the root cause of many people's poverty.
.01
All kinds of traps that teach you to make money
I am reaping your principal
What is the nature of people to make money? "Fat water does not flow into the fields of outsiders"! Just imagine, if something is really good at making money, the end may be that the disciples of the church and the master will starve to death.
In this case, he still takes the initiative to teach you to make money, which is enough to show that he has another purpose, or wants to step on you to make money.
In fact, this is especially prominent in securities investment, in the past, there were many self-proclaimed analysts, in the name of teaching you to make money, teaching you to invest. In a group of 500 people, you think there is a teacher and 499 "leeks", but in fact there are 499 teachers and a "leek", in order to let you sign up for various training courses under the guise of teaching you to make money.
Let's be realistic: you want to make some extra money through investment, and they want to lock up your principal through training.
.02
All kinds of free traps
Your money is being harvested
Previously, some economists lamented that "there is no free lunch in the world", and even literary scholars said: "All gifts given by fate have already been secretly marked with a price." ”
Therefore, in the commercial society, we must keep in mind a truth: what is free and cannot see the price is the most expensive.
For example, if you read an e-novel, when you first start reading it, the novel is free. When you see the climax of the plot, you will have to charge for it. Every chapter is like this, and by the time you finish reading a novel, it's basically a hundred dollars gone.
For another example, if you charge 3,000 yuan in phone bills and give away a mobile phone worth 3,000 yuan for free, some people feel that although the amount of money charged into the phone bill is relatively large, they will eventually use it for themselves, and the fat water will not flow into the fields of outsiders; moreover, why not get a mobile phone worth a lot of money for nothing? In fact, many people just ignore the restrictions. For example, you are not allowed to change your plan for 2 or 3 consecutive years, limit your minimum monthly consumption, etc. In fact, the monthly expenses are higher than before, but I don't need so many phone bills, and I waste everything.
There are also more common games, such as games that children like to play, and when they first play, the games are free. As the difficulty of the game increases, a top-up event will be launched in the background. Slowly seduced, and the child fell into it.
In fact, there are a lot of cases on the Internet, which attract you through free methods at the beginning, and when you are "set", they begin to use various methods to guide you to pay fees. This is the harvesting method of "gradual temptation".
Therefore, in the commercial society, it is necessary to wake up the spirit of twelve points to be a man. Don't fall into the trap of merchants just because it's free for a while.
.03
The pitfalls that tie marriage and house together
Countless families have been harvested
In fact, people who buy a house and get married should have a deep understanding that young people get married nowadays, not only to pay a bride price and "three golds", but also to buy a house and a car.
The result is a distorted phenomenon in which young people empty their parents' coffins and "go bankrupt" to get married. After getting married, he immediately went into debt and became a house slave, a car slave, or a child slave.
In fact, this is also related to contemporary business logic.
As a simple example, do you say that diamonds can stabilize the love of lovers? Many people's first answer is no, they all know that diamonds are just sparkling stones. However, in order to sell diamonds at a high price, merchants cleverly associate them with love, and love is as eternal as diamonds.
As a result, the more people buy, the more expensive it becomes. Moreover, because of this eternity, almost everyone who gets married will ask the man to buy a diamond ring, a set of words, the merchant cleverly solved the long-term sales problem, and the profit has also increased significantly.
In the same way, in order to sell more houses, and in order to make everyone buy a house willingly, the merchant will instill in the young son-in-law and mother-in-law the concept that a house is equal to marriage, and the harvest of assets can be completed.
To put it bluntly, every move you and I make at the moment is in the harvesting logic of the merchant, but we don't know it.
.04
The trap of a blind chicken baby
Harvesting your money
Anyone who sells success courses has a sales pitch theory: first exaggerate reality to make people anxious, then boast about the effects of success studies, and finally use the number of buyers to motivate conformity.
In fact, many extracurricular tutoring institutions have mastered this set of logic and grasped the human weaknesses in the hearts of the herd, so as to realize the harvesting of money.
For example, if your child is not good at dancing, but the agency tells you that your neighbor's child has already enrolled in a dance class, and a parent has sent his child to a dance tuition club, so you are anxious and let your child go to a cram school.
In a professional interest training institution, a class costs hundreds or thousands of dollars, so the more money you put into it, the more you want to return to your capital. This idea of returning to your capital will make you continue to invest money in it until the day when your child doesn't want to learn.
Because the sunk cost is so big that it can affect your decision-making in the moment. Therefore, the chicken baby trap is exactly the way for tutoring institutions, as well as some course companies, to harvest the money of ordinary people.
.05
"Pink Tax"
The purse bags of the female group are being harvested
Anyone who understands the principles of economics knows that the value of a good or service does not depend on its cost, but on the supply and demand relationship of the market;
If there are more people in demand and the supply is limited, then the goods or services will have a high premium, and can even be marked with an expensive price;
For example, there are always businesses that convey such a message to you through various videos and other means, a woman with decent clothes and exquisite makeup has many more opportunities in mate selection, job search, and career development than those women with a mediocre appearance;
Not only that, but some institutions will even directly hint that "if people are old, no man likes them"......
As a result, women ignore the essence, become anxious, and begin to spend more time and energy, and even financial resources, on their image. Little by little, the pocket was emptied by this incorrect logic, and finally became the harvest object of the merchant.
So, how can we avoid the harvesting trap mentioned above? Six words, don't be greedy, don't blindly follow. Greed will only make people lose their rationality. Blindness will only lead people by the nose.
In fact, the psychology of blind obedience is the greatest weakness of human nature. This point is enough to see from the past when everyone gathered together to travel, buy stocks, buy funds, and buy apples.
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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