30 Years Old +3 Pen Money +631 Ratio = Business Success

Owning their own business is everyone's ambition. I'm afraid that's the dream of many office workers.

If you are already well versed in the secrets of entrepreneurship and ready to do everything, you can start your business trip at once.

In fact, the age of 30 is a bottleneck in life. This age has been working for seven to eight years. It has a certain understanding of the workplace. But now you can work ten years, twenty years, thirty years until retirement.

So after 30 years of life, you have to start thinking about what you are doing now, whether it is your life career in the future.

The example is Japan's example.

Before the Japanese business was focused on life? L system, but after such a myth was broken, the Japanese companies even intensified their efforts to require employees to retire early.

So employees may face the fate of being forced to retire at the age of 45.

The age of 45 is forced to retire, but that is the essence of your life. It is the time when your children want to spend money, which is the heaviest period of family financial burden. At that time, it tells you that you must face retirement.

Taiwan is an era like this, so everyone should think about the so-called "two times curve" of life. The time when you can do a job to retire has passed. You should plant an entrepreneurial seed in your heart.

"Three money" and "631" principle, many people want to start a business, but they dare not start a business because they are afraid of risks.

What you bear is not only financial risk, opportunity cost risk, but also the risk of life (your youthful years).

But is the risk really high?

Almost everyone bought stocks, and a Taiwan stock investor invested an average of 1 million 300 thousand yuan in the stock market, but the average amount of capital invested in entrepreneurship was only 800 thousand yuan.

Retail investors can earn only 3% of their stocks, but you have a 20% chance of success in your own business, and you can still survive in the market after three years.

If you join in the business, it will be a different matter. After three years, the chances of surviving in the market will be as high as eight or nine.

We don't dare to start a business because we haven't done a good job in asset allocation. Many people put all their money into entrepreneurship at the very beginning. In fact, starting a business is running a marathon, not running 100 meters. Many people start their business with the spirit of running 100 meters.

If you do a good job in asset allocation and know how to calculate the so-called "three life's money", the risk can be controlled.

The first sum of the money is the "family expenses", that is to say, to spend one to two years of family expenses. The second money is to keep the old books, which can be used in savings or steady investments, such as blue chip stocks, real estate or funds. The third money, after deducting the above two money, can be regarded as "idle money", which can be invested in business, and if earned, it can enjoy life earlier, if it is compensated, it will not immediately affect life.

In addition, funds for entrepreneurship should also be well managed, and the "631 golden ratio" should be grasped. The funds should be divided into ten equal parts, of which six equal points should be placed in start-up cost, three equal in operating costs, and the last 10% in emergency funds.

At the same time, we must write the business plan.

The business plan is not written to the bank, it is for you to read it, because it is doing sand table deduction, thinking ahead of all the problems that will be encountered, and making preparations for everything, instead of thinking about what to do immediately, until the money is spent, it is hard to buy a predawn road.

The golden age of 30 entrepreneurship is 30, which has just started a good business and is also the peak of entrepreneurship, because the age of 30 is a golden age, just accumulating three capital needed for Entrepreneurship: money capital, experienced capital and management capital.

At the age of 30, he has worked for seven or eight years since graduating from University, so he has saved a sum of money. If the family supports the provision of funds, it is actually a very good venture capital.

At the same time, as a result of working in the workplace for a period of time, learning how to be an employee can be a good boss.

When these three kinds of capital are gathered together, it is the best time to start a business.

Compared with other age groups, the 30 year old has a unique advantage in starting a business, that is, a positive attitude.

At the age of 30, people have a strong sense of professionalism. Therefore, they are aggressive, active, aggressive and energetic. Unlike people aged 40 or 50, they are more conservative and wait for their time. Lack of executive power is not easy to listen to.

However, the 30 year old weak in entrepreneurship is easy to get into trouble, because the heart is too wild, too fast and often high in the eye.

In the face of success and failure, people who are 30 years old must first do a good job in capital allocation. They should take care of their capital and choose the business of starting a business through professional consultation. At the same time, after they have prepared the business plan, they must have a a heart, and act professionally and professionally.

At the age of 30, people who are successful in starting a business must learn to "keep in good shape". Don't be a little bit hungry and expand their investment. Any next investment must be steady from the allocation of funds, the consultation of experts and the operation plan.

In addition, if you fail to start a business at the age of 30, the first thing you should learn is to co-exist with failure. You must reflect on all your wrong steps and learn to set stop points when circumstances are not allowed.

According to my many years of guidance experience, many young entrepreneurs fail because of their lack of management ability, that is, they are very strong in their majors and professions, but they lack the knowledge and skills of enterprise management, such as cost control, personnel leadership and industrial operation. Therefore, it is necessary to accumulate the ability of enterprise management in order to make a comeback.

Capital allocation "631 golden proportion" 60% start-up costs: shop rent, decoration, money equipment such as tables and chairs, freezer, etc., including the start-up cost, is the most expensive part of the venture.

30% operating costs: most shops are slowly warming up, so there will be a so-called loss period, especially in the first half of the business, so we should keep the operating cost of the loss period.

10% emergency reserve: for the damage or inadequate use of natural wealth, damage caused by natural disasters, etc., we must leave emergency contingency allowance and prevent unexpected expenses.