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People's life should be like "fighting monsters and upgrading", after absorbing experience in society, it should be upgraded to a higher level.
Asset upgrades
Most people start from the Novice Village, with a level of 1. At the beginning, everyone was a civilian, and after continuous learning and practice, some people became middle class and some people became highly productive. And many more are still in the primary stage. What is the most fundamental reason for this situation? It is the second "income". We call the first social status, which varies from civilians to productive people, and their incomes are different. Civilians rely only on labor income, and when labor stops, the income stops. The middle class has labor income, as well as investment income. And high yields rely only on passive income.
When we are civilian, we need to pave ourselves with passive income and develop in the direction of the middle class. So how do you do that? Increase their own active income, let the active income reach a certain amount, and at the same time start to try to invest in small-scale small funds, and slowly become a middle-class income model. This upgrade is difficult and requires constant trial and error, so the process is definitely painful. But if you think about it, you go through this, and you have the opportunity to go up to the next class and become productive. A lot of times we have this kind of thinking, "get it and try harder." But real life is "hard work to get". Therefore, we should draw up an upgrade plan and know what we can do to "upgrade".
Take a picture with the big guy
So how do we develop our own "upgrade plan"? Everyone's situation is different, the first debt type, the first to solve the debt, 300,000 3 years to pay off. The second is the debt-free type, with as much deposit as possible in that year of 100,000. Then use this 100,000 pieces for a small investment. Calculate the rate of return, return cycle. If there is no good project for the time being, buy the bank of China stock, and have an annualized return of about 10% per year. Avoid currency depreciation. It continues like this, and I believe that we will soon be able to achieve asset upgrading and become the middle class. More simply, it is to save first, try to invest with small money, and then create passive income.
Young people must know how to upgrade their asset heights. Live the life you want. You can't do without planning, just "fighting monsters" and not upgrading. If you are still in the civilian stage in the society for more than ten or twenty years, it is a very failed thing, and friends who have the opportunity to read this article hope that you will work hard to achieve a class leap like me.