For most people, achieving wealth freedom is a lifelong dream, but how to achieve it? Most people are confused and looking for a way to wealth, but they still don't know the point.
In order to realize the dream of wealth freedom, some people are working hard, some people are working hard to start a business, some people get up early and greedy, and some people wear stars and wear the moon.
But how many people have actually achieved wealth freedom? I think very little.
Someone put huge assets into the stock market, and it was a BMW that went in and a bicycle that came out. Some people say that you have to learn to manage money.
There is a saying that goes: you don't manage your money and ignore you, as if it is a joke. Tasting down is really the same thing, money to use the party hate less, when you are really in danger, when you need to use money, only to find that money is really important.
The topic of discussion about wealth is always there.
Two years ago, a friend gave me a rich father and a poor father book, took it home and put it on the bookshelf, never read it, during the Spring Festival idle to read it again, originally thought it was a children's book, after reading it only found that it was wrong.
This is a book on financial and business education, which tells the two fathers' understanding of wealth through a clear perspective and questions the traditional school education.
The rich don't work for money, the poor work for money.
Among them, the rich father is the father of a friend, who joined the army after graduating from high school, and later started his own business to feel that his understanding of the concept of wealth has established his own wealth kingdom, thus realizing wealth freedom.
Rich Dad's understanding is that rich people don't work for money, he does the same, he will hire, people who need to work work with him, let him build his kingdom, she can easily enjoy life.
Poor dad, Yamazaki's biological father, is a well-educated and brilliant ph.D., in the eyes of most people is also a successful career, but he has spent his whole life struggling in the quagmire of personal financial problems, not knowing it, and even more, he needs to ask his children to study hard and have a stable job like himself after graduating from college.
This kind of thinking of poor fathers, that is, the thinking of most people, a perfect degree, a stable job, going to work from nine to five every day, getting paid on time after work, paying mortgages on time, this is the life that each of us yearns for and looks forward to.
But the rich father said that this is not right, so that we can never get rid of the life of poverty, can never achieve wealth freedom, which subverts our understanding.
Maybe that's the gap between us poor and rich.
Jack Ma, one of the founders of Alibaba Group, joined the Hangzhou Institute of Electronics Industry as an English teacher after graduating from university, which is a stable and decent job in the eyes of the elders, but Mr. Ma is not satisfied with this stability. With a flexible mind, he first created the translation agency, The Yellow Pages of China, Ali Group, was he to make money?
Carefully analyze his entrepreneurial history, it is not difficult to find that he wants to use his dream to change this society, the facts have proved that he also did, at the beginning of the establishment of Alibaba, Ma Yun, shouted out such a declaration, I did not build the world's largest e-commerce company, to enter the top 10 of the global website, that is, there is this dream in the promotion of Ali's entrepreneurial team all the way, not afraid of difficulties, to build a business empire.
In Ma Yun and his entrepreneurial team, when they first started a business, they did not think about how much money to make, to start a business for money, they just had a dream, set out for this dream, slowly accumulated wealth, and established the business kingdom of their dreams.
All the wealth knowledge, we can only learn when we go to the society, as if we can't learn anything in school, when we are in school, the teacher will teach us to study well, get a good degree after graduation in the future, find a good job, and let us learn well and obey through various methods in our parents, but no one has ever told us how to make money work for us, in life, if we encounter items we like, we often lament that we can't afford to buy and wander in the mall.
But when I look at my beloved items and look at the price is prohibitive, the rich father often says how I can afford to think differently, which also determines the flow of wealth. The poor way of thinking is always complaining that they can't afford it, that prices are too high, that inflation, and that they never think of ways to afford it.
Rich people are rich because they have learned the ability to think independently, and they will find ways to find ways to afford things that they can't afford.
This is the difference between the rich and the poor.
The concept of money in this book is very different from our traditional education, and it has also caused a long discussion of wealth, in the traditional concept of most people, there is such a thought, no adultery, no business, businessmen see profit and forget righteousness, etc., in the dictionary of the Chinese nation, there are too many words to describe businessmen, and the image in our film and television dramas is also two small mustaches and two, dripping small eyes, a look of adultery. The image of calculation is deeply rooted in the hearts of the people, people hate money, but the desire for wealth and ignorance of wealth make us see the importance of financial and business education, what we lack is not the opportunity to make riches, but to find opportunities to make riches.
Rich Dad Poor Dad This book is a Western concept of financial management, but it is similar to a folk proverb in our country. "The rich think of the coming year, the poor think of the present." This means that the rich have long-term plans, while the poor will only see the gains and losses of the immediate interests, which is the gap between the poor and the rich, and the difference between the poor and the rich is between a thought.
Your property is not an asset but a liability.
The concept that real estate is not an asset, directly beyond the scope of our cognition, domestic real estate, from the beginning of reform and opening up, after 30 years of straight soaring, reached today's peak, the entire real estate industry pulled the average income of 1.4 billion Chinese people, some people on the Internet spit and was averaged, and pulled the socialist economy hind legs, we can not deny that in the past few decades, the skyrocketing house prices, did drive some people to make a lot of money by speculating in houses, but for the poor, After the 80s and 90s, these wage earners are neither demolition households nor catching up with the dividend period of real estate, in confusion, house prices are also far from high House prices have swallowed up most people's wage income, mortgage repayment pressure, may spend a lifetime to work for the bank.
In this situation, as the rich father said, the house is the biggest debt for decades of repayment period, which may earn a good lifelong youth of this generation. This is also a very heavy topic that everyone has to face.
In the current real life of high housing prices, high prices, and high education costs, how should we do a good job? Don't let yourself fall into the vortex of debt.
Do your balance sheet well. Since real estate is the largest liability, as a just-in-need, it is best to reduce the cost of the mortgage and the length of the mortgage cycle as much as possible.
In the book "Puppy Money Money", Gia's parents, through a loan to buy a house, after buying a house, the parents' income, after paying off the mortgage, there is little left, the parents because of the huge pressure of money, often quarrel for money, quarrelled, Gia is also very distressed, the huge mortgage has swallowed up most of the family's income, the family will live for decades in this state, maybe they did not consider it when they decided to buy a house, what will the huge debt bring to the family, or maybe, When I first bought a house, I only considered the happiness of owning a house that belonged only to myself, and when I really owned this house, I found that it was a huge debt, a huge burden, Kia's father did not feel that there was a problem with the house, they did not recognize this, when they continued to argue, Gia introduced Mr. Kim to them, after going to see Mr. Kim, Mr. Kim helped them make a reasonable plan, they slowly got out of the predicament according to Mr. Kim's plan.
The house is a liability, not an asset of this problem, most people can not see clearly, in our country in the past few decades of the real estate market has been rising, people's mindset has formed a consensus, real estate will not fall, investment in real estate will definitely make money.
Whether people now admit it or not, whether they are willing to believe it or not, the real side is that high housing prices have flooded most families' property, and since then the property has truly become a liability, not an asset.
Third, overcome difficulties, start to act, and persevere to the end.
For most people, work is to make money, and the realization of wealth freedom is the first dream, how to achieve this dream, how to do it?
In fact, it is very simple, it is to stick to the dream, overcome difficulties, start to act, and stick to the end.
There is a girl in the company, the figure is relatively fat, every day in the vow to lose weight, from the spring began to develop a detailed weight loss plan, every day, but also sent a circle of friends, running selfies, in the circle of friends, attracted countless likes, a whole week every day insisted on sending, every day will see his running records, but after a month, there is no more news.
When summer came again, he found that the flesh on his body was still there! Not only is it still there, but it seems to be a little more than before. At this point, her weight loss meter failed. Look at his size again. It seems that his body shape is even fatter than before, when Liu 7, this time weight loss plan, he sighed a long time, and it was difficult to say a word.
In the early stage of the weight loss plan full of confidence, you can go back, the more difficult it is, the heart is relaxed, the consciousness is relaxed, followed by various reasons, the weight loss plan is pushed back and forth The last schedule, lonely pasted on the wall, never looked at him again.
In fact, everyone has inertia, do every plan, we do not have a perseverance, without perseverance is difficult to go on.
The accumulation of wealth is also like this, the accumulation of wealth, never overnight, is to have a careful and detailed plan, and the implementation of this plan, encounter such and such unpredictable difficulties, these difficulties from all sides may be their own or may be the outside world's doubts, or may be the family's incomprehension, and what we can do is to overcome all kinds of difficulties, insist on going on without interference from the outside world.
The so-called wealth freedom is when you are not working, how long can you dispose of your remaining wealth?
When you don't have to work, you don't suffer from money, you can have a lot of time to do what you want to do, which is the freedom of wealth
So here we have to think about it, when we don't need to worry about money, what do we most want to do? That's our ultimate goal.
Find this ultimate goal, work hard for this goal, persevere, and achieve this goal. No matter what kind of difficulties and resistance we encounter, we cannot shrink back, and strive for this goal, and one day, we will achieve wealth freedom and reach our ultimate goal.