If a society is completely market-oriented, then it may be common for the poor to become poorer and the rich to become richer, and the gap will become wider and wider. It is said that wine and meat stinks in the rich family, and there are hungry ghosts on the road.
Although pessimistic, it is the law of economic operation. We have no way to break it, but as poor people, we have to put it in perspective. I am disgusted that some so-called poor people have very rough self-management and attribute their problems to social injustice. In fact, it is not that society is wrong, but that we do not know how to analyze data, do not understand the operating rules, and do not even have the motivation to understand. The most shameful thing about poverty is that we don’t want to change, not that we are unable to change. Even though the space to move from one class to a higher class is limited and increasingly difficult, if you don’t think about it, there will never be a chance of turning over.
First, let’s take a look at the basic reasons for this Matthew effect (the poor get poorer and the rich get richer).
The so-called hedging space refers to our ability to cope with losses and recover losses when a disaster occurs.
Give an example.
Start
The poor man has 1 egg and puts it in a basket.
The rich man has 10 eggs and puts them in 5 baskets.
When disaster strikes, the poor's basket is overturned and the only egg is gone. The rich man suffered even greater losses. Three baskets were overturned and he lost 6 eggs, but he still had 4 left.
? Poor? 0 ? Loss 1
? Rich? 4 Loss 6
Since the poor have nothing, they can only turn to the rich for their livelihood. I borrowed an egg and agreed to return two eggs next year. Assume that after the egg hatches, the chicken will lay 3 eggs, and then the chicken will be eaten and the eggs will be used to regenerate chickens.
In the second year, the weather was smooth and everyone got basic gains. As agreed.
Poor person? 3? Return to rich person 2? Surplus? 1 The poor man returns to the beginning
Rich man? 12 Take back? 2 Surplus? 14? The rich man has 4 more eggs than he started with
In the third year? The risk comes again, the reference starts, and so on, the poor always get poorer, because sometimes one egg may not really produce three eggs as planned. You may also owe more and more in order to survive. Since the rich have effective hedging space, even if they suffer losses, they can still hedge risks through other assets, thereby ensuring that they can earn profits through surpluses in addition to their daily lives.
Just like Buffett said, if you can't start sleeping and making money around the age of 4 or 50, then life is a failure. The reason why rich people are rich is not to make money by labor, but by capital. The reason is that they have sufficient hedging space to deal with risks. The poor are like playing Ludo and will return to the starting point once they are eaten.
The market is like a casino. Sometimes the number of chips in your hand is very important. Obviously, players cannot always lose and gain from losses. Due to the odds, a weak profit can be maintained through analysis after the overall sample is increased. The key is the number of chips. If you have more chips, you will have more room for hedging and a higher chance of making a profit. If you have fewer chips, once you enter the losing channel, you will really lose everything.
In addition to hedging issues, there are also certain differences in spending between the poor and the rich. Let’s talk about basic food, clothing, housing and transportation first. If the poor’s basic food and clothing consumption is 10 yuan a year, and the rich’s is 100 yuan. But the poor have no capital accumulation. Their annual income is 12, and they can save at most 2, but this 2 has to deal with sudden risks, such as disease, disaster, and unemployment. In fact, it is also an invisible basic life consumption. This type of consumption is spent as soon as it is spent, and there is no output. In accounting, we classify it as expensed consumption. All such consumption without added value is counted as expensed consumption.
Although the expense consumption of the rich in a year is 100 yuan and 10 times that of the poor, due to primitive accumulation, they have another 100 yuan of capital, which will not be used for expense consumption. At this time, they start to buy houses, stocks, funds, financial management, antiques, jewelry, and any investment that can make a profit. This type of consumption is classified as asset consumption in accounting terms. The characteristic of asset consumption is that even if there is depreciation, there is still room for appreciation, and it is valuable as an asset, rather than being lost with consumption, and gains are obtained through capital appreciation.
Although the investments of the rich may not always make money, such as stocks plummeting, buying fake antiques, real estate prices falling, and financial management being deceived, but going back to the first point, they have ample room for hedging. The value-added hedged some non-performing assets, and overall there was no big problem as long as there were no losses.
In the past 20 years, as long as I have invested in fixed assets, I have never heard of anyone losing money (except for those who were cheated). People always ask me if house prices will fall. What I want to say is that housing prices are linked to the total amount of RMB to a certain extent. Over the past 20 years, the central bank has continued to release water, and a rising tide lifts all boats. Some economists have made comparisons and found that the proportion of real estate in total funds has actually remained unchanged. In fact, it is just the currency that is depreciating, and we have not noticed it.
It is said that more than ten years ago, it cost 20 yuan to treat a friend to a meal. Now it costs 200 yuan, and the price of the house is almost 10 yuan. It is the same truth.
The main reason why the rich are getting richer is that the surplus of hedging space has promoted the expansion of asset consumption, and this kind of expansion has played a leverage role and pushed up the assets of the rich. Even if the poor have asset investments, unfortunately they struggle to repay their loans, reducing their hedging space and being unable to deal with risks. These poor people are relatively lucky.
Circles are inevitable. As a person living in an ordinary city, the classmates and friends I have made since I was studying have similar basic backgrounds. Of course, if rich people go to better schools, the groups they come into contact with will naturally reach a higher level. Therefore, when there is mutual benefit and mutual benefit, invisible barriers gradually block the upward space. Once the interest chain forms a closed loop, we don't know how much force it will take to open it. Obviously if you want to enter a higher level circle, you either have to fight until you are of equal strength or you can help them. In the past, I heard that some girls tried to change their origins through beauty and marrying people from the upper class. Of course, there is still hope between the bottom and the middle class, but the people in the middle class want to marry the people at the top of the pyramid. Intermarriage is actually very difficult. First, people at the top have too many choices. Second, the conditions of women at the top are obviously much better than those at the bottom, and in terms of appearance, since plastic surgery, dinosaurs can directly evolve into fairies as long as the money is available.
As the upward channels between classes gradually close, perhaps studying and taking scientific examinations are effective ways for poor people to increase their income. However, various changes in admissions to prestigious schools have begun. Either you are rich or you are a genius. . Work hard, yes. The prerequisite for enrolling in various seminars and reading various books is also the financial foundation. The poorest class cannot complete such a transformation, unless they are truly geniuses. Only the middle class, either studying or starting a business, can gradually gain the right to clear customs barriers. However, when starting a business, we may only hear about some successful cases, and too many failed cases may not even have a chance to be known.
Ignore the extremely poor class for now, and simply classify people who can only survive by working as poor people, which also includes some middle class people who have cars and houses but must work to support their families. The characteristic of this group is that they must work or run their own business to survive, which is different from senior executives and big bosses who can live a good and decent life even after leaving office. Everyone wants to move towards financial freedom. Of course, everyone has a different definition of financial freedom. Some people think it means being free to buy whatever you want, while others think being able to fire your boss at will is considered financial freedom. I personally think that if you do nothing, simply take care of your assets, have reasonable hedging space and capital turnover ability, can resist basic risks, except for force majeure, and can meet the needs of your own life and desires, it is considered financial Free. For example, it may be relatively basic to own a few houses and collect rent to live on. The premise is that the mortgages are paid off and other uncontrollable factors are removed. How to achieve such a state may be an even longer topic.
As an awkward middle class person, no matter what living environment we are in, the first thing we must do is make a balance. On the one hand, the balance is used to cope with emergencies, such as weddings and funerals, births, old age, illness and death, which require money, and on the other hand, it leaves room for starting a business, charging money or investing. And it is best not to lock up funds. Like now when real estate tends to adjust and there is no longer a big wave of market conditions, you can not consider buying property except for the housing you just need, because the excessive proportion of fixed assets will cause a loss of capital liquidity. Very big. If you have enough funds for long-term investment, you can do less. As far as the family is concerned, there should be at least about 50,000 living cash available at any time. To put it bluntly, you can either deal with any bad luck directly, or you can buy whatever you want. Just pay a deposit to get a head start. Investment is actually a process of continuous turnover of funds. Fast turnover and high short-term returns are ideal conditions. You can also make appropriate risk investments. Of course, in a word, there is enough room for hedging.
How to free up funds is an art. There is no best way, only what suits you. I have always believed that men should stop smoking, drinking, and sex, and go to entertainment venues less often unless necessary for socializing. This is a good way to cut off the flow of money, and at the same time avoid the risk of various diseases (no matter what disease you are thinking of). Some experts have done analysis and found that if you make a fixed investment in your monthly tobacco and alcohol consumption, you can buy a house in 30 years (of course, it is estimated that it is just a down payment now). Women should try to reduce the cost of charm and keep it neat and decent. Sometimes excessively increasing the charm will make it too costly to get rid of unnecessary romance, unless the work requires it. There are many things to pay attention to in shopping and life. If curve consumption can reduce costs by a large proportion, it doesn't hurt to spend more time and energy. If too much time needs to be invested, then we need to learn to buy time. For example, if there is an offer that I need to forward to as many people as possible, how many likes I need to collect, and how many yuan the discount is, when it exceeds my time cost, I will choose to give up to gain the value of my time. This is like me buying a 15-yuan cup of milk tea while waiting for the bus instead of walking a few more minutes to a remote area to buy 10-yuan milk tea. I learn to reasonably save the value of time and use it to do more meaningful things. Of course, in order to achieve For the purpose of losing weight, I would choose to walk or bike to and from get off work, and give up milk tea. This is also the art of choice, which varies from person to person.
Have you ever heard of some stingy stories about rich people? Anyway, I have heard a lot of them and they are very strange.
These examples are not just to make gentlemen laugh, but to illustrate that rich people understand the necessity of reducing expense consumption. It is very interesting to learn how to spend money. Sometimes we marvel at the behavior of some rich people buying luxury goods. In fact, there is an invisible principle behind it. On the one hand, it is the need for a decent life, the way of status symbolization, and on the other hand, it is to raise the threshold. This will form a concept that will not buy inferior products, thereby reducing irrational consumption of repeated purchases. For example, friend A will buy various things when there is a discount in the mall. After all, he spends thousands. Then some of the discounted items are not ideal, and he soon buys something else. Finally, he buys various things at home. There are piles everywhere, and it takes a lot more time to sort out the items. Friend B spends thousands to buy a few high-quality products. If his horizons are high, he will resist discounted products, reduce the purchase rate, and reduce the purchase cost. He feels that he has everything he should have. On the one hand, having fewer things at home makes it easier to manage. At the same time, taking good care of the items extends their useful life, which in turn reduces the cost of use.
Secondly, reduce impulse consumption and avoid sales. The main reason for shopping is need, not taking advantage. It is very irrational to spend money to buy a bunch of useless things to satisfy your desire to take advantage. Third, learn to deal with consumable items. For example, when the maintenance cost of the items you use is higher than buying new items, learn to replace them with new ones in a timely manner, and you must learn to throw away the unnecessary items. The rent is so expensive now that one item occupies one square meter. It will cost an extra 100 yuan a month to buy items, and the space in the room will allow you to put down your dreams (this way you can save money by renting a smaller house).
Finally, don’t forget to invest in yourself. A good body is the capital of revolution. Any consumption that can make you healthier and better cannot be avoided. Eating nutritious fresh food is better than spending money on junk food, and it is more cost-effective than spending money on medicine in the future. Proper, cost-free exercise is more affordable than spending money to lose weight. I treat this type of investment as invisible asset consumption, which can produce invisible but very useful value.
If you are not willing to settle for the status quo, what you need to do most may be to enrich yourself instead of blindly changing jobs. No matter how you jump without capital, the difference is only a few thousand dollars. Only by learning to constantly temper yourself and move up a level can you jump to a higher level. Learning can be divided into systematic learning and interesting learning.
Systematic learning is the basis for professional skills and is used for work needs, such as obtaining relevant academic qualifications and taking several professional certificates to meet the basic needs of employers. It is best to be able to do these before changing jobs or choosing an industry. Do it well, or enter an industry first and learn while doing it. I "accidentally" entered accounting and took various certificates and qualifications for nearly 7 years, and finally studied for a related master's degree. It has been 10 years since I graduated from undergraduate degree, and my major has nothing to do with it. Of course, if I don’t bother, I can live a peaceful life as a small middle class person. It’s just that the unprepared risks and the desire for a better life force me to become anxious if I don’t make progress. In fact, the middle class is the group with the greatest sense of crisis. The carelessness of the poor and the leisure of wealthy people make this group of people less sensitive to risks than the middle class. The middle class may be the representative of high-minded people but low-handed people. Therefore, raising your hands high is the final destination of the sad middle class. Why don't we have any excuse not to work hard? Unless you have plans to retreat to the countryside (the cost of retreat is also very high), or you have clearly seen the face of the world and love life, and are indifferent to the mediocrity in front of you. Obviously I am more inclined to change. Of course, the cost is to constantly pay money, time, and energy to acquire knowledge and skills, or to pay for a receding hairline and a gradually plump figure, and the latter is even more costly.
Interesting learning is a higher level of learning, a preparation for future financial freedom, the direction of capital operation after achieving basic investment freedom, or one of the channels for realizing self-worth. In addition to the skills required for work, we need the ability to resolve ourselves and reflect our self-worth. It’s not always appropriate to tell others that I only know how to settle accounts after working as a financial officer all my life. Even if I live a prosperous life, I may not have much sense of accomplishment. At least I should say that I am also proficient in something or am an amateur expert in some field to improve myself and shine. Radiate.
Whether poor or rich, the ultimate starting point for people to seek advantages and avoid disadvantages is to make themselves happier. The rich and the poor go through a cautious life. In other words, the rich people I know are more able to endure hardships and are less afraid of tiredness than the poor. There are many ways to be happy. If desire drives you to the road of no return, then give up. The most important thing about tossing is that if you don’t feel bitter when doing it, it means you can take this path. If you are afraid of hardship, annoyance, and boredom, then the immaturity in front of you may be your safe haven. After all, happiness varies from person to person. Some people think that it is better to retreat and build a net to admire the fish in the abyss, while some people admire the fish in the abyss, knowing that the joy of envying the fish does not matter in building a net.