 Wu Xiaobo I've only had a free taxi in my life. In Beijing, I traveled more than an hour from Xishan Hotel to Caidia in CCTV. The driver was 80 after Zhang. Taxi drivers in Beijing are concerned about politics and have no national event they do not know. So when I got in the car, Xiao Zhang first informed me about the current situation of the tiger and the list of big tigers to be beaten. I was surprised to hear that I froze. Then I asked him: 'Is this car your own or your company?' 'My dad passed it to me. He has been back for thirty years and just stepped back.' 'Your family will be your son?' 'On my son, Longsheng Long, Fengsheng Feng, the son of a mouse will make a hole and the driver's son will drive.' 'As early as a decade or two of Beijing's brother can make money.' I say this is not perfunctory Zhang, 1984, at that time the circulation of millions of "China Youth Daily" has done a reader survey, the most popular The top three in career rankings are: taxi drivers, self-employed, cooks, and the last three are scientists, doctors and teachers, and I specifically said about this last week's Ikki Art Video. 'Okay, I bought a suite more than a decade ago and made another one in 2010, a set of two old people, one set for me and another for the car.' 'How much do you earn in a month? 'Good month 5, 6 thousand chant, poor time ...' Here are five minutes vivid and lively BS-time, and then Zhang asked me, 'Listen to the car girl said that you are an economic expert, what is good now Is it more money to work? 'Now that the income from mobile games UI is quite high, do you want to try?' I teased him first, and then I was free and idle, and asked for some dry goods: 'Do you have two houses in your house, a mortgage? ' 'Our house is neither foreign debt nor domestic debt, the first suite is full, made these years, the second set is the whole paragraph, we owe the bank' sounded suddenly loud voice. 'How much deposit do you have?' 'Rely on God, there are deposits of horses are filled in the house and the car and I make this a month, I have to feed the two old and myself, the monthly light, a reeling wire.' Heard here, I know why Zhang's father is an old reluctant to open a lifetime of cars, to Xiao Zhang this generation has become a small reeling. The next few minutes, I told him a lot of miscellaneous Lala Words, summarized as follows: From the point of view of family finance, the standard of Reeling has nothing to do with his career, but lies in two indicators: 1, reeling only job sex income, very little property income 2, reeling bank debt ratio is zero. For example, his father, opened the car for 30 years, all the money is thrown out of the accelerator, earned money, or set aside the bank, or bought a house, the house is occupied, does not generate rental income. Down, the money looks like more, but inflation is more powerful, because there is no leverage, so, Zhang's actual accumulation of wealth was eaten by the bubble more than half. If you change the way a financial management: more than ten years ago, Zhang bought a mortgage by way of mortgage, 20% down payment, you can buy two or three sets of the same area of the house, this part of the incredible, a set of their own living, another Rental, a few years down, the money set out.Next, or go buy a house, or invest in some financial products, money, money, old Zhang's property income will gradually increase.Another way, is the full Buy houses, then the house mortgage to the bank, set out 60% of the money, go investing, the money can be rolled up. Liabilities dare to be responsible for the future In a country like China, the economy is in a long-term channel of growth, and the great impetus for growth comes from heavy investment. The inevitable scene is that the growth of wealth and the bubble-like phenomenon of money become a phenomenon of congeniality, therefore, how to use the currency The lever effect, to enlarge their wealth, personal wealth growth is the first important meaning for a person with sustainable income, whether he is renting or in the skyscraper as a white-collar workers, bitten teeth to maintain a certain Household debt is a must, and in my opinion, 50% to 70% of the debt ratio is safe. "There is neither a foreign debt nor a domestic debt." It is a kind of "family crime. It is a "one-man's responsibility." In a commercial society, a person who dares to pay a debt is in fact a man who dares to be responsible for the future. When the leverage effect of money is activated, the proportion of one's property income in household income will gradually increase, and this proportion is exactly the bid to say goodbye to reeling from the working-class to the middle class. If a household has 50% of the property income and 50% of the job income each year, the dawn of financial freedom may emerge. After the current proportion is large, you will get rid of dependence on your job and become more confident. Start thinking about how to live a life you like. Even though many people know and rarely change: Panic becomes anxiety as soon as it becomes aware of it .-- Heidegger Reeling farewell curve Living in the nine to five city self-satisfied (actually more like Foxconn, 12 hours a day, a month off for two days) every day to work without brain work, at other times do not think, not Understand where the inexplicable sense of loneliness comes from, go blind dating to the age, talking about the little love that can not tell the meaning, but have a strong self-esteem, thinking that they are more than their ideological level are installed X, in fact, I told them real Pay off the heart, they usually look very happy, but really down the mask to say their heart, I found that they are also very lonely, but also dissatisfied with their numb life, every day to run around, never to do What I want to do If you see them or live with them, you will find that kind of superficial happiness just because they got used to it and are already numb so they can only force themselves to enjoy, but they have never thought of resisting life, Learn to change. The picture I described appears in all western countries in Europe and the United States, appeared in China over the past three decades and will appear in China in the future. For 80s like Xiao Zhang, he may not be suitable or not Know how to start a business, but he is still able to squeeze himself into the middle class while driving a taxi. Now, you can also calculate your own 'reeling value' based on the formula I provided: 1, severe reeling: no property income, bank loans to zero. 2, moderate reeling: property income: job earnings below 1: 5, bank liabilities: personal assets below 1: 5. 3, mild reeling: property income: job income less than 2 ︰ 5, bank liabilities: personal assets less than 2 ︰ 5. Finally: The poor or the so-called ordinary people, how much resources in the hands, dare to do much what thing. The rich: It is something that comes to mind, the goal is set, and resources are being mobilized for it. Because of this kind of thinking, nothing can stop them from doing things, no money can borrow, no one can please, do not know how to outsource, and restrictions can be circumvented , The enemy can be reconciled, the opponent can buy it. The so-called, sex is different, good fake thing also.
|
