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470. Book Review | What will you do to support yourself after 30 years? ( 1)
485. Book Review | What will you do to support yourself after 30 years? (2)
"You have zero deposits and negative assets, and you only live on wages. After reading this book, you can take every step of your life steadily and enjoy the money of your life. "
"Whether you are a 20-year-old overdraft professional, a 30-year-old moonlight clan, a 40-year-old credit king or a 50-year-old loser, they are all financial inspirational books that make the ants, the elderly and the moonlight clan angry."
"I don't have any extra money, I just need a knife to make people old! Retirement, housing, emergency, insurance, investment, set up five magic passbook accounts, with millions of assets ... "
On World Book Day, I read two books in one breath, the second volume and the third volume of the series, "What will you support yourself after 30 years?" Was deeply touched.
Under the background of aging society, inflation and rising wages faster than prices, how can we create enough decent wealth for the elderly with limited time and limited income?
This is a realistic problem faced by young people in current society! Series "What will you support yourself after 30 years?" , a total of three volumes, trying to analyze this problem in depth and provide an operational model.
Whether it's the "Fortune Genie" in the volume 1 or the "Professor Matthew" in the volume 2, and "Jiang Ran is a financial consultant" in the volume 3, they are all authors in essence, and only spread their own wealth views with the help of three "wise men" roles.
In the same way, whether it is Qian Xiaojun, 35, who has no idea about financial management in 1, Cui Xiaotian, who changed from "moonlight clan" to "wealth manager" in "2", or Jin Chengdong, a TV producer who calls himself "economically illiterate" in "3", they are all readers themselves in essence, but they are all struggling with the help of three "I's".
The greatest success of the authors of these three series of books lies in their careful design of a novel "story shell" and the packaging of the "story core" they want to express, which seems to give readers a surprise of "tailoring" to solve economic difficulties.
The following content focuses on the third book.
On the whole, the author leads readers to explore the wealth code through the case of a 39-year-old TV producer, Jin Chengdong. His career is in full swing, and his income is less than his expenditure.
As a reader, what I see are other people's stories, but actually my own life. In the face of the dilemma of character design in the book, it is actually the whirlpool of wealth in which I am currently trapped, from which I can see my own shadow.
According to the author's idea, the protagonist Jin Chengdong thinks about two TV station leaders with the same starting point and different status quo: Why do two people join the job at the same time, with equal ability and equal opportunities, but one person is promoted and given a salary increase, and the other person is demoted and paid less, but after retirement, he has no choice but to return to the workplace and rely on others to do odd jobs so much? What is the root of polarization?
The gap of ten years made producer Jin Chengdong have the idea of revisiting the "Magic Decade" after a lapse of 10 years. From the frustration of Kim Sun-Min, a 35-year-old investment loser, to Yin Nuoxi, the "overdraft queen" in his early twenties, to Zhu Wuri, a 29-year-old "slave loser" with millions of assets, the section chief who is over 500 years old and has no room and zero deposits, has lowered his age with "post-80 s".
In the end, Jin Chengdong, a producer who laughed at himself for being "economic blind", started a brand-new personal ten-year investment and financial management plan with his own personal experience as the practical carrier. ...
With the help of two leaders with the same starting point and different endings, the above-mentioned cases of the transformation of three interviewees of different ages are drawn, and the personal growth trajectory of the protagonist Jincheng East is mapped, and the financial story trajectory of six families is vividly written, from which the answer to "future pension and economic issues of public concern" can be found.
Whether it is the representativeness, comprehensiveness and feasibility of the role, or the novelty, vividness and interest of the idea, it is worth learning and learning from!
Different from other books, the author's most brilliant point is that he gives practical and effective operation methods, which are often called "dry goods" and answers the question of "how to have a stable life in the turbulent future"
In my opinion, while young, we should concentrate on five core assets: deposit money into reserve account (emergency fund, living expenses for three to six months), insurance account (5% to 8% of monthly income in response to the crisis), retirement account (monthly income 10% to 30%), house purchase account (20% of monthly income is used for investment or repayment of mortgage principal) and investment account.
In order to facilitate readers' reference, in the last chapter, with the help of three typical representatives, Kim Sun-Min, a 35-year-old middle-aged man, Yin Nuoxi, a 24-year-old single young white-collar female elite, and Zhu Wuri, a 45-year-old woman who is facing statelessness due to delayed retirement, the author lists the tables of "10 Wealth Gathering Plan" respectively, and shows in detail the calculation templates of "Five Major Account Passbooks".
In addition, the author also established an additional "financial vision flow chart", which is very intuitive and easy to operate.
Excessive consumption and overdraft, because excessive use of credit cards has become a "card slave", which can be traced back to ancient times and is full of fun and irony.
Speaking of it, many people may not believe that the debt-induced slavery system already existed in the kingdom of Babylon in BC. So far, it is still worrying.
Hanging gardens are known as one of the seven wonders of the world. It is very difficult to build a thick wall in the garden. The builder is a slave to overdraw the future.
So there is an image metaphor, King Nebuchadnezzar II of Babylon is today's credit card company, and consumers are slaves. Why is this?
Stranger still, most of the slaves at that time were middle class in the kingdom of Babylon. What were the reasons why they became slaves?
In the book, the author introduces that with the development of civilization and trade, fresh goods from the East and the West poured into Babylon, and the middle class began to advance their future wages in order to satisfy their possessiveness.
What's more, in order to buy precious trade goods, many people do not hesitate to borrow money from loan sharks who may be regarded as the "originator of the financial industry" with their own guarantees. But when you can't pay your debts, you can only pay your own debts and become a slave to building walls. ...
From this perspective, human beings have genes that are easy to fall into the temptation of excessive consumption, and may also be understood as human weaknesses.
In the third book, the author also put forward many novel ideas that are impressive.
Retirement is just a "halftime break" in life. Even if you retire from your first job, the rest of your life has just begun.
Everyone wants to make more and more money, so that they will be attracted by the high income they can see in front of them. Financial management, like playing Go, is the most taboo for petty gain and quick success. Confused by short-term interests, it is impossible to gain insight into the overall situation and grasp the core issues related to the overall situation.
Once the economy is unstable, it is easy to catch the virus of "worrying about money" or suffer from "poverty", which will eat up your courage and confidence.
What is the best weapon to defeat darkness? It's light If you want to beat your opponent, although defense is very important, you must attack, and attack is the most effective defense. Therefore, the clearest way to reduce consumption and debt is to build your own core assets through savings and investment.
No one wants to be a burden to others. Everyone wants to live independently and with dignity. Every parent needs to strike a balance between the cost of children's education and the future cost of providing for the aged. If you spend all your money on education, you will rely on your children to provide for the elderly in the future, which is essentially not for the sake of your children. For children, it is the best education to be prepared to support the elderly and not rely on them until death comes. ...
470. Book Review | What will you do to support yourself after 30 years? ( 1)
485. Book Review | What will you do to support yourself after 30 years? (2)
The 80th annual camp in 2022, with the theme of 12 weeks, 2868 words, totaling 137326 words.