Title: No matter how poor the family is, these 3 kinds of money can't be spent, the more you spend, the poorer you get, many people don't understand, take a look
There was once a friend named Xiao Ming, although he was not wealthy, he was always happy and full of optimism and positivity towards life. One day, Xiao Ming received an unexpected bonus, so he decided to use the money to improve his life, so he started spending it lavishly. However, it didn't take long for Xiao Ming to find that he was even more difficult than before, and his original well-off life was also in jeopardy. As a result, he began to reflect on his spending behavior, and finally understood some important truths, including the three types of money that cannot be spent at will.
The first type of money: health insurance
Xiao Ming recalled the first kind of money he had neglected - health security money. He remembered the high medical bills he had incurred last time he was sick because he didn't have adequate health insurance, an experience he still remembers vividly. He realizes that health is the most important asset, and investing in health protection should never be omitted. Therefore, he decided to set aside a portion of his money every month for medical insurance and health check-ups to ensure that he and his family were prepared in the event of a sudden illness.
The second type of money: education and training funds
On another occasion, Xiao Ming spent a lot of money on an expensive electronic product, which he thought would improve his quality of life. However, over time, he discovers that the item does not bring him much practical benefit, but rather that he is underinvested in his education and learning. He began to regret it, and understood the second kind of money he had neglected - education and training funds. He realizes that education is the most important investment for himself and his family, and it can lay a strong foundation for future success. Therefore, he decided to devote more money and time to learning and developing the abilities of himself and his family to improve his competitiveness and quality of life in the future.
The third type of money: future reserves
Finally, Xiao Ming also remembered the third type of money he had spent rashly - the future reserve. He recalls that when he was younger, he always spent his money and never thought about the difficulties and challenges that he might encounter in the future. Until one day he suddenly lost his job, and he fell into extreme difficulties with no reserves, and had to borrow money everywhere to survive. That experience made him deeply aware of the importance of reserves, which are the last line of defense against all kinds of accidents and unexpected situations in life. Therefore, he decided to put some of his money into the emergency reserve account every month from now on in case he needed it.
Through these experiences, Xiao Ming understands that although there will always be various temptations and needs in life, as an adult, you should know how to plan and manage your finances reasonably, and you can't spend the money that should be kept at will. The health security fund, education and training fund and future reserve fund are the precious wealth he has realized from life, and they are also the cornerstone of his steady economic progress in the future. Therefore, no matter how poor the family is, you can't ignore these three kinds of money, otherwise the more you spend it, the poorer you will become, and you will only end up in a deeper predicament.