Excerpt from the Internet: Mizumuraan
Some people are always envious all their lives, envy others for buying houses, envy others for traveling around the world, envy others for being rich, complaining that they are mediocre and inactive all their lives, and even poor.
Why did a person with hands and feet fall into poverty, in addition to the insurmountable factors and the reality that cannot be changed, have you worked hard to change the fate of poverty?
You don't lose to a poor life, but to both:
1. You must learn to use external forces
The biggest difference between the poor and the rich is that the poor rely on physical strength, and the rich rely on strength.
The poor like to contribute to earn money and then save it, while the rich are especially good at "borrowing" others and then using the money to make money.
Why do the rich have so much money to borrow/take out loans? The essence of lending is to revitalize and expand capital.
The essence of money is a kind of capital, and capital can only produce greater capital when it is flowing.
Here, we must first understand the facts: Why does the government print money? When the economy is good, it prints money in order to cope with the increased social wealth and facilitate its transactions, and when the economy is bad, it also prints money in order to stimulate the economy in order to increase employment opportunities. Therefore, regardless of whether the economy is good or bad, printing money is an objective behavior.
The purchasing power of money in our hands is constantly diluted by the over-issued currency, and likewise our debt is diluted as the purchasing power of money decreases.
For example, if you borrow 1 million yuan to do business this year, with the over-issuance of currency, the purchasing power decreases, and the original loan of 1 million yuan may only be worth 700,000 yuan of purchasing power in five years, which is equivalent to more money earned and less pressure to repay the loan. Therefore, in the long-term depreciation trend of the currency, the debt is advantageous, but the holding of the currency is damaged.
If you are not a rich second generation, what should you do if you want to get the principal to start a business or invest?
Where does the bank's money come from? It is the depositors! The bank absorbs deposits from the people and then lends them to the outside world, and the difference between the deposit and loan interest rates during this period is an important source of profit for the bank.
Who can borrow money from the bank? Generally speaking, people who have assets and collateral are the ones who have collateral. And what about the people who keep money in the banks? Most of them are ordinary people, eager to accumulate wealth by saving money, but unfortunately their money in the bank is shrinking day by day.
Therefore, the poor live on wages, and the hard-earned money can only lie in the bank and silently depreciate, and the wealth is increasingly diluted.
The wealthy are always looking for ways to borrow money from banks to invest in their wealth, while at the same time, their liabilities are becoming more and more diluted.
So, you don't have to wonder, that's why many people with assets of hundreds of millions of dollars have amazing liabilities.
How to defend our wealth in the face of currency depreciation and rising prices?
For ordinary people, don't put all your eggs in one basket, and likewise don't borrow from banks for debts that exceed their ability to repay. Appropriate indebtedness and enjoy the dividends of debt dilution.
Ten years ago, if you buy a house in a big city, if you have a monthly payment of more than 2,000 yuan and take on a loan of hundreds of thousands, it is definitely a hard thing. But ten years later, the price of the house bought back then has already increased several times, and the rent has long been able to cover the mortgage.
Maybe it's not that the house is really valuable, but that the currency is overissued, and the house enjoys the dividend of currency overissuance. So the people who took out loans to buy houses laughed, don't be afraid of being burdened with millions of debts, as long as the repayment time is long enough and the monthly repayment is within the affordable range, it is not a problem.
Of course, it is not to encourage ordinary people to borrow from banks irrationally, but to choose the right assets that can rise and the increase is greater than the interest on debt. So that the appropriate liabilities are valuable.
2. Please believe that reading will change your fate!
Some people think that what is the point of studying, Xiaofang in the next village dropped out of school early to work, earned money for several years, and built a house in his hometown, and only had a monthly salary of 2,000 after graduation, and he couldn't even earn back the tuition fees he paid at the beginning. This is definitely underestimating the significance of education.
Ten years from now, when Xiaofang has exhausted her youth, and you have grown into a skilled worker, your fate will be very different.
In order to find the truth about the poverty at the bottom, Barbara, a female writer in the United States, incarnated as a waitress and infiltrated the bottom society in the United States to carry out a series of thrilling undercover operations. She took only $1,000 with her and set out on the adventure.
As a result, in different cities, six jobs were changed, including retail, cleaning, and elderly services, but the outcome was the same:
Because she had no money, she had to rent a house in a remote place, because she lived in a remote place, she had to spend a lot of time on the road, because she wasted a lot of time on transportation and commuting, she had less and less time to improve herself and find better job opportunities, because of the high cost of living, she had to convince herself to take on more part-time jobs, because she spent too much time doing all kinds of hard work, she gradually became a work machine, until she left with an emotional outburst. Then change places and move on to the next cycle.
Yes, changing six jobs, no matter how hard you try, you can't get a future.
Those high-paying jobs with professional skills may not be qualified for them, and low-paying jobs have plunged them into the abyss of despair. They are in the whirlpool of poverty, and they are rightly poor.
Similarly, Hong Kong tycoon Tian Beichen experienced the life of a sanitation worker with an hourly wage of only 25 Hong Kong dollars. The work of sanitation workers is tiring and hard, and they live in the cheapest pigeon cages in Hong Kong. The monthly rent of this kind of pigeon cage is between 600~1500 Hong Kong dollars, and it can only put down one bed, there is no hot water, and it is difficult to turn around in the bathroom. When Tian Beichen came back from exhaustion from sweeping the streets, the money he earned from a hard day was only enough to buy the cheapest bento, and he also had to work overtime from time to time.
This billionaire, who graduated from Harvard University and has a net worth of hundreds of millions, could not help but sigh: The world is punishing people who do not study! He said that if you do this kind of work for a month, half a year, or even a lifetime, it is really desperate.
It is undeniable that there are people in this world who rely on relationships and opportunistic shortcuts to succeed, but for ordinary people with no background, reading may be an important way to change their fate. Even Li Ka-shing, the richest man in Hong Kong, once said, "Knowledge changes destiny".
For example, Chen Jingrun, a Chinese mathematician, came from a poor family and worked as an apprentice in a grocery store. But he spent his evenings studying mathematics on his own, and later audited at Tsinghua University, and later changed his fate by cracking the famous "Goldbach conjecture". For another example, Yu Minhong, the founder of New Oriental, took the college entrance examination for three consecutive years before he was admitted to Peking University, and later had a legend of entrepreneurship.
As the writer Lung Yingtai said: "Child, I ask you to study hard, not because I want you to compare your grades with others, but because I hope that you will have the right to choose in the future." Choose work that is meaningful and time-consuming, rather than being forced to earn a living. When your work has meaning in your heart, you have a sense of accomplishment. When your work gives you time and does not deprive you of life, you have dignity. A sense of accomplishment and dignity that brings you happiness!
For the poor, since they have nothing, why not work hard and fight against this cruel world by reading.
Even if the world is changing, and factors such as background, opportunity, and luck may determine a person's fate, the world will never treat talented and capable people badly.