Why You Don'T Get Rich Enough, You Know?

The biggest confusion of ordinary people is beyond this. Recently, I was very fortunate to have a long talk with the rich old man Zhu (alias) in the province.

We are too conservative for the rich.

Zhu said that he was only a farmer 20 years ago, and he was a honest man from generation to generation. He found it hard to find a job in Jiangsu, so he spent 200 yuan in cash to make a living from neighboring provinces.

The common people are comfortable and the rich man is challenging. These two very different attitudes are very obvious.

Lao Zhu admitted that if he had accepted his life like his ancestors, he would not have achieved today.

Today, comfort and stability are still the first factors for many young people to choose their careers.

In the same way, old Zhu, who studies financial affairs, says that ordinary people will choose a guaranteed fund and feel that 3% to 5% of their annual returns have been satisfied.

We say so.

There are many parable reasons for the common people, some are superstitions, others are misrepresentations of their parents, and most of them are misleading.

For example, people are very concerned about property management fees, feel that the less the better.

Less residential property management fees, because of the lack of personnel to take care of, often lived in 5 years is already broken - in order to save a little property management fees, the house's future appreciation of space has been destroyed.

Another bad idea is to buy insurance with a relatively high rate of return and return high.

In fact, buying insurance is to buy a security net for the family. The most important connotations of the policy are adequate protection, good reputation and good agent service.

Actually, insurance is not investment.

We are sheep, and the rich are wolves.

The company is ready to open up the western market and send cadres to Lanzhou, Chengdu and other places for three or four years. The future millionaires will not hesitate or even recommend themselves.

Ordinary people are reluctant to leave the head office of Nanjing. They have been thinking about it for a long time and are reluctant to act.

One is wolf personality, the other is herd personality.

Take the recent popular purchase fund in the bank as an example, the wolf group character has already bought when the net value of the stock fund reaches 1.30 yuan, and the herd character will not buy it until it reaches 2.30 yuan.

The wolf has made money, and the price of the sheep has been relatively high, which is likely to lead to a loss.

We pay attention to details.

Ordinary people spend half an hour in daily consumption to cut down the price and save a little money.

But they may have 300 thousand yuan in cash in their bank accounts - they just lie in the bank and collect small interest.

Small money and smart money are the true portrayal of the financial situation of ordinary people.

If 300 thousand yuan deposit is required, if we only ask for an annual return of 10%, the profit of one year's output will be 30 thousand yuan.

The current domestic environment, the annual rate of return of 10% is not difficult - at least it should be much cheaper than cutting prices every day.

If you don't care about the world, just look down at the small things in your life. You can't foresee the future changes. You can only sigh at the prices of houses, oil prices and stock prices: the world is changing fast.

Two years ago, the rich felt that the renminbi would appreciate. They promptly converted some of their dollars into Renminbi, avoiding 5% to 10% exchange rate losses.

Therefore, keeping pace with the times is not just a slogan on the lips.