Entrepreneurial thinking (1) To make money, learn to use money
I said that people can’t make money outside their own cognition.
Someone replied: 说, fortune is unable to stop! The uncle of my classmates cleaned the aunt, primary school culture, and did more than 20 years of cleaning work, and the house demolition was lost for more than half a year ago. Can she have a cognition?
Hey, this TM also earned?
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No matter the rich, or the poor, there will be certain money to dominate.
Only more still less.
So how to use money, how to dominate, is very critical.
Suppose you have 10,000 yuan, how is the 10,000 yuan final fate?
No more:
1. Eat, remove, consume
2. Buy assets To give birth to more money
3. Buying liabilities, thus constant loss
That said, most people will say, understand, then I have been buying Entering the assets to make a stable earning.
However, most of the poor will only consume capital, do not understand or have no way to leave money.
When the money is consumed, it can be used for the capital of the wind turned over.
The poor people have a cow, which can be used to cultivate food, support themselves, support their family, and even put Food sells to make money. Waiting for the cow, giving a calf, but also more cows, more food, selling more cattle.
But the poor is too poor, I can’t wait until the Niu Sheng Xiaoyin, and even if I can’t wait for food harvest, my family wants to eat, I can only sell cattle, go Buy food to eat.
When the food is finished, the poor has nothing, and the opportunity to turn over is even more embarrassing.
We all know that investing in investment in investment, must be wealth!
But why have I always emphasize the poor people’s financial management, and it is more poorly poor?
Because many people have seriously ignored a reason:
Investment and financial management, it is very dependent on the principal!
There is no rice, and the woman can’t cook the meal!
Ball recognized stocks Buffett, the average annual income of his investment financial management is only 20%!
The stable annual income of ordinary people can do is about 7% -12%.
Suppose you can make a year-on-year income as stock God, then you can change the fate right away?
Calculated:
If you have 1,000 yuan, then a year 20% of the income, just 200 yuan, just a meal fish + beer;
If you have 10,000 yuan, then a year’s income is 20%, that is, 2000 yuan, Maybe not a month, rent;
If you have 100,000 yuan, then a year’s revenue is 20%, that is, 20,000 yuan, save some flowers, estimated enough By the month’s overhead;
If you have 1 million yuan, then the benefit of the year is 20%, that is, 200,000 yuan, the general family’s overhead is sufficient; [123
So problem, where is your 1 million yuan?
If you want to get rich by money, you don’t have the principal, or you are too low, and the reunification and interest rate can’t make you flying!
So, this is the reason why the poor can’t rely on money to get rich.
Some people say that I can save, die and ruthless, save a lot of money, how can I accumulate a money?
Yes, ideal is this.
But how many people can control consumption desire, fixed deposit, to accumulate the first bucket of gold for financial management?
Nowadays, don’t say that they want to save money, it is not easy to do nothing to depreciate. Don’t believe, you look at the young people around you, how much is it still spend every month, borrow, micro-loan, credit card?
The poor wants to control consumption, it is too difficult! May be more difficult than letting them make money!
Why can the online loan so fire? Even special campus loans, naked loans? You think about the reason.
Buy an asset, thus giving out More money.
This is a state of everyone.
How did a person who rely on the fried house?
Hua’s first payment mortgage to buy a house, house rental, rents to mortgage. When the price rises, the rent is rising, renting \u0026 gt; mortgage, then there is a net cash flow in every month, and there is more and more money.
When you have more money, you can buy more rooms, repeat it, and their money is getting more and more.
When I was a few years, I bought a house in a first-tier city, twice a few times, earning millions of people and even tens of millions.
Room (asset) is increasing, the cash flow will be more and more, the cash flow produced by the asset is enough to support daily overhead, then this is freedom of wealth.
So you see that the asset is king.
What is asset?
1. Automatic operation of cash flow business is asset, such as investing in enterprises, has begun to return;
2. The stock fund will not say, everyone understands;
3. Real estate with appreciation potential;
4. Copyright, patent. For example, Liu Cixin, Guo Jingming, Zheng Yuanjie, Tangjia three less, relying on copyright and huge income.
The third kind of destiny:
Buy liabilities, thereby constantly loss.
As the name suggests, it is equivalent to buying a vampire, spending money to buy it, will continue to take more money from you, let you become more poor.
For example, buying a car is a typical buy liability.
In addition to caring, insurance, etc., the car will continue to depreciate a year. A new car has been opened for a year, and if it is not a big brand, it is not surprising.
Waiting for you to use 5-6 years, you calculate the account, may have succeeded in hundreds of thousands of body, keep squeeking you.
Assets are after going to bed, and the liabilities are spit after going to bed.
A car that constantly absorbs blood is consumer goods, and the real estate that is constantly producing money is an investment asset.
So, why many people say that buying a house is going to be early, and buy a car must be a late step.
When I was three years, I have a classmate.I went to buy more than 200,000 cars. At that time, more than 200,000 cars were very good, very prestigious in the village.
At that time, more than 200,000 in small cities can buy a good room.
After more than ten years, the price has risen much, and now his car is scrapped, not only this, the light maintenance and repair fare will not know how much.
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So, when spending money, it must be understood that what is available, which is constantly sucking your blood.
The place of money is different, and the results will certainly be different.
Although the poor has no money to invest in financial management, investing in their own money is definitely still.
Investing in yourself, definitely won’t be blood, but let yourself add value to reward.
For example, let yourself learn some professional skills, some entrepreneurial knowledge, buy some self-improvement books, buy everything related to making money, this is the self-value value, it belongs to investment, but Non-liability.
It is difficult to listen to, even if others are cheated, you can grow in the short term.
, if you use live to reward, use to charge the money to play games, buy the latest mobile phones, invest in spiritual entertainment, self-consumption, this is a liabilities thinking, only Will you have always been poor! Falling into an infinite painful cycle!
Do not believe? Time can give you an answer, then press you on the ground.