The most sensitive things in the world are poverty and wealth. When things are difficult, most poor people envy the rich; Of course, there are also very few rich people who envy the simplicity of the poor when they encounter bottlenecks. This shows that what is not gained or lost is good.
The poor spend money to call consumption. Objective: To survive and live. However, because the poor work by earning money for the rich, they spend as much as they earn, and even if they don't spend so much, the money will be spent less and less.
The rich spend money called investment. Objective: To make Qian Shengqian. The rich hire the poor to help them make money. Moreover, they invest less and earn more. Of course, the more money they spend, the more they spend.
However, when the rich encounter economic crisis, they also become poorer instantly, so if they want to get rich, they must take risks.
In fact, apart from different ideas and values, there are many differences, such as origin, environment, knowledge, ability and opportunity.
Not poor, not rich; Without wealth, there will be no poverty. Once a class is formed, it is difficult for the poor and the rich to move towards balance.
Some people say that the difference between the poor and the rich is that they have different ideas. Some people say that the difference between the poor and the rich lies in the different places where they spend their money. Some people say that the difference between the poor and the rich is … there are many anyway, but I want to say that the difference between the poor and the rich is money, and the others are just excuses and reasons.
Why do you say that? Everyone has seen the richest man in Xihong City. Shen Teng was a poor man at first. According to everyone's logic, his ideas, places to spend money, contacts and relationships ... are different from those of the rich. It is because of these differences that he is poor, yes!
But later, he got a billion dollars, and he needed to squander it as soon as possible. Yes, you are not mistaken, it is profligacy! According to the above logic, he has no thinking concept of the rich, no connections and relationships with the rich, and all the rich have nothing but money. It is reasonable that he should finish the disaster easily, but the more he spends, is he surprised or not?
Therefore, although chicken soup is good, it can't be drunk for a long time! The difference between the poor and the rich is money. If you don't have100000, forget it. What you need to do is to earn 100000 yuan, and then your thinking will rise from1000 yuan to100000 yuan, just like your spending power, which is not determined by your subjective decision, but by your wallet.
So what we have to do is to earn the first 10,000, the first 100,000 and the first 1 million, so that your thinking, connections, relationships and so on can be changed from 1,000 to 1,000 (note that what we are talking about here is talent, not talent, not necessarily that you have millions of ideas, but only when you have millions can you have millions of ideas). This is what economics often says, the economic foundation determines the superstructure!
It is also spending money, but it actually has different uses, or money has different uses.
According to the author of Learn to Spend Money, there are three directions for spending money. Learning how to spend money begins with understanding the behavior of spending money.
It is necessary to use more investment wallets, moderately consume wallets, and avoid speculative wallets.
Two technologies:
Which wallet you spend your money on depends not only on what you buy, but also on what the final value is. For different people, the same purchase behavior may produce different values. It depends not only on behavior, but also on results. For example, makeup and beauty, at first glance, is a consumer wallet. If you find a multi-millionaire, it is actually an investment wallet. We don't expect every consumption to become an investment, but we need to form the habit of changing consumption to value-added behavior.
I recommend watching the movie The Hidden Billionaire. The protagonist mentioned: "I changed from a poor man to a rich man, but it was not luck."
When Glenn Stearnes said this, many people said they didn't believe it-after all, only a few people succeeded on their own these days. Your success is just luck. Don't trick me into drinking poisoned chicken soup. Besides, the years are different. If you have the ability to become poor and work hard again, you may not be so lucky.
In a rage, the rich man worth $2.2 billion really came to a completely strange place with a net worth of 100. He became a poor man anonymously, intending to "make a fortune" for the world to see again. Apart from lack of money, he is no longer younger than he was decades ago. Did you make the right bet this time?
There are two reasons why you don't care if you are richer.
Earn more
Save more
Based on this problem, comparing people, saving more is not applicable, and earning more is the only reason.
Compared with the poor, the rich have three ways to know that they earn more than the poor.
Monthly residual cash flow = monthly income-monthly expenditure
Let's look at the following two cases.
Rich: The monthly income is 50,000 yuan, and the monthly expenditure is15,000 yuan, so the monthly residual cash flow is 35,000 yuan.
Poor people: the monthly income is 5000 yuan, the monthly expenditure is 3000 yuan, and the monthly residual cash flow is 2000 yuan.
Although the expenditure of the rich is five times that of the poor, his remaining cash flow is 17.5 times that of the poor.
Cash flow generated by assets Assets (maturity, bonds, dividends, rent) can generate cash flow, and every one million assets can generate more than 40,000 cash flows.
Asset appreciation Shenzhen property market, a house of one million ten years ago, is now five million.
Ping An's stock has also increased sixfold in ten years.
Monthly residual cash flow, cash flow generated by assets and asset appreciation also influence each other to produce amplification effect.
Cash flow can buy more assets, and then more assets can generate more cash flow. Therefore, the rich are not greedy, their assets are well managed, and they are always richer than the poor.
This problem needs specific analysis. First, under what social system, under the capitalist system, the rich generally refer to capitalists. Capitalists spend their money on personal consumption and the rest on investment and business. The capitalist system serves the capitalists, who will only earn more money by investing and operating, so the capitalists have inexhaustible money, and the poor use it for personal consumption, and there is no extra money for investment, so the money is used less and less. Under the socialist system, the development direction of the country is to get rich first, then get rich, and finally achieve the same prosperity, so the poor and the rich are temporary, and in the end everyone is the same. Second, the rich have a black sheep, and the Jinshan Yinshan is used up, and they will not be rich forever. If the poor can bear hardships, be literate and use their brains, they can also get rich step by step through bank loans.
"Why are the poor and the rich spending money, but one is richer and the other is poorer?" Seeing this question reminds me of poor dad and rich dad. In fact, the poor are poor and the rich are rich for two main reasons:
First: the reason of platform and circle.
Because the rich have money, a high platform and a lot of money; The circle they contact is either rich or expensive; They drink tea together and talk about business hotspots, such as those promising projects; Those investments have long-term returns.
For example, Li Ka-shing saw the prospect of real estate in the 1960s and 1970s, so he invested heavily in real estate, which later proved that his vision was correct. Even decades later, the income from his fixed assets is beyond our reach.
There is an interesting joke that Wang Sicong's father gave him 500 million yuan, and he earned 4 billion yuan, an increase of 8 times; My father gave me two yuan and I bought a pair of gloves. I earned more than 100 yuan by moving bricks at the construction site, which was 50 times. We are joking, just look at Wang Sicong's eyes, and we can see that he is still right. The anchor industry has developed rapidly in recent years, beyond people's imagination; Although Wang Sicong experienced the collapse of Panda Live, I still think that his collapse has nothing to do with his industry, but his own extravagance.
The thinking of the poor is survival and stability; They tend to be thrifty, habitually spend money on the cutting edge, and have a narrow vision.
Second: different choices.
The poor and the rich have different choices in food and clothing; The rich are good at dressing themselves up. Their principle is that they would rather eat poorly and have a decent face, such as buying expensive clothes, shoes and bags. The poor think that they don't have much money, just eat well, and nothing else is very important.
However, we have forgotten the truth that the first impression between people is what you wear; Your dress is not only your first business card, but also the full expression of others' quality and cultivation. With the development of society, many people have gradually realized this. As far as they can, they spend more money on dressing themselves, such as clothes and shoes. They can buy less, but better. For example, save unnecessary expenses and learn new things, such as academic qualifications; For example, take refresher courses at work and slowly improve your ability; These are all ways to enhance their value invisibly.
I remember Degang Guo once said in Happy Comedians: Artists fight to the end and fight for culture! Celebrities have also said: take history as a mirror and you can know the gains and losses! Therefore, if the poor want better development, they must not ignore the importance of culture! Reading is not only self-cultivation, but also the best way to broaden your horizons! Let me put it this way! If you earn 5000 yuan a month, the rich earn 50000 yuan a month. Eating and drinking these trifles, you spent 4000, the rich spent 10000, leaving 40000, and you only have 1000.
On the surface, your income gap is 10 times, but in fact it is 40 times!
The poor run around to make money every day and have no time to think. Even if there is, it is used to play cards or entertain yourself. Rich people will study, study or invest whenever they have time, so their horizons will be different!
The most terrible thing is inflation. Increase the price by 5% every year, and your 10000 yuan will become more than 31000 yuan after 20 years. The poor can only wait and die, and the rich can preserve or even increase their wealth through investment. People are more angry than others, so we must invest in ourselves to keep up with the times!
What's your criterion for distinguishing the poor from the rich?
The poor, I think, are people who struggle for survival and food and clothing. Earn money and spend money to live. Have no resistance to emergencies. It is the majority of people at the grassroots level.
The so-called rich people can eat and wear warm clothes, and their material ability can resist emergencies. It is the upper-middle class of the pyramid model.
Some of them are invisible and inestimable people. They don't need money to measure them. The whole social resources can serve it.
They are rich people.
This question can be answered by some classic words of poor dad and rich dad. 1. The world is full of talented poor people.
2. Poor dad tries to save money, while rich dad keeps investing.
My poor father taught me how to write an excellent resume in order to find a good job.
My rich dad taught me to write down ambitious career plans and property plans, and then create entrepreneurial opportunities.
The poor work for money, and the rich let money work for them.
The rich buy assets, and the poor only consume.
Poor dad said, "Follow the company ladder and climb up step by step."
Rich dad asked, "Why not be the master of the ladder?"
6. Poor dad said, "A stable job is everything!"
Rich dad said, "continuous learning is everything!" " "
7. Poor dad: "The reason I am not rich is that I have children."
Rich dad: "The reason I have to be rich is that I have children."
8. Assets are things that can put money in your pocket (increase your income).
Debt is something that comes out of your pocket (increases expenses).
(P.S. accounting, net assets = assets-liabilities, profit = income-expenditure)
9. His educated father encouraged him to be a smart man, while his rich father encouraged him to hire smart people.
10. Please remember the following sentence: the rich buy assets; The poor only have expenses; The middle class buys liabilities that they consider assets.
1 1. The rich care about their assets, while others care about their income.
12. The more knowledge the society learns, the less rewards it gives people.
Rich dad said, "You only need to know a little about a lot of knowledge."
13. A wise man always hires someone smarter than him.