People in society generally equate high wages with money. What I want to say here is, please don't think so, and don't be a poor man with high salary. There is a big difference between high salary and wealth.
It is true that many people in this life pursue high income because they feel they need money. But in fact, they always need money, not because they have no money, but because they have no assets.
You must understand the difference between high income and assets. They are different, totally different. Because income will never make you rich, but assets can.
There was a comparison on the internet before, which stung many people's hearts. People who don't have a house with a monthly salary of 20,000 are far from being unemployed, but those who receive a monthly rent of 1 10,000 live with peace of mind. The latter house can be rented, with a monthly payment of 1 10,000. This house is his asset.
If this is the only house he lives in, he will feel even more uneasy if he has no job. Take Bill Gates as an example. His annual salary is 600,000 dollars. Many elite executives earn much more than that.
But the value of Bill Gates' assets exceeds 654.38+00 billion, which is the huge difference between income and assets. No matter in which country, it is impossible to support a perfect life by wages.
Even if the limit is exhausted, it is difficult to gather enough wealth by doing several jobs at the same time. Because as long as it's a salary, it means you have to work hard for it, maybe with your professional knowledge.
It may be a consulting service or a skill. But no matter which one, once it stops, the income will be broken, and the corresponding wealth accumulation will be broken.
Buffett once said, "If you don't find a way to make money when you sleep, you will work until you die." What you can earn without working, or your career, is called assets, so you should build your own personal assets anyway.
Instead of working for others, the boss of the company and the bank that lent you money all your life, it is better to change the income structure, gradually reduce the proportion of labor income and increase asset income.
Active income is the main or even the only income type for most people. Most people study hard all their lives, strive for wages and benefits, and rely on old-age insurance and children after retirement.
This model seems safe, but in fact it is very risky. Because you gave the initiative to society and relatives, not your own hands.
My suggestion is that before choosing a career position, you should think carefully about your own path, find out what skills you want to acquire that will help you accumulate wealth, and never fall into the trap of "rat race".
Your focus should be on your own career, focusing on assets, not work and salary.
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Once you have the balance of assets that you can buy after you start earning a salary, even if it is only one dollar, once you put it in, don't let it out.
At this time, you have to change your role and become the boss of your assets. This money will become your employee, and you should make it work 24 hours a day.
Anyway, money can't enjoy employee protection regulations. What's more, you don't have to worry about it, and it doesn't affect you to go to work as usual. Continue to be a hard-working employee, strive to increase your income, increase your balance, and continue to buy assets.
In this way, your income structure will be more and more optimized, the proportion of asset income will gradually increase, and your sense of security and freedom will become higher and higher. So what are assets?
According to my own study and experience, I have compiled some to share with you. For example, a self-owned enterprise can operate normally without your presence in person.
Please note that you must have the ownership of them, but you don't need to be present when others operate, manage and engage in practical work. If you have to stay there, it's not your business, but your position.
For example, the equity of the enterprise you own, that is, the original shares, can be exchanged for the same number of shares after the enterprise goes public, that is, after the stock officially enters the secondary market.
Generally speaking, this kind of equity has great value and income space, but the threshold is usually high, which can only be owned by early participants. In addition, there are stocks in the secondary market, which is what we usually call.
The entry threshold of the stock market is low and it is convenient to buy, but the price will change with the change of the market, so it needs a higher vision and mentality.
Then there are properties that can bring you income, such as houses and shops that can be rented and sold at any time. Must be non-owner-occupied, the reason has been explained before, so I won't repeat it here.
In addition, there are securities fund dividends, bonds, savings, loan interest and so on. In addition to the common financial assets mentioned above, there is also a relatively intangible asset item, namely intellectual property.
For example, books, music, movies and other works of copyright trademarks, invention patents and so on. The income potential of royalties is also very considerable. The above is what I sorted out according to my own experience and that of my friends.
There must be more than these common assets. If you have anything else that can continue to generate income for you, or has value-added potential, or sells well, it can also be listed as your personal assets.
Ok, this sharing is over. Thank you. See you next time.