Four Principles Of Changing Ideas And Getting Rich

The way of thinking determines the way out. What kind of financial concept directly determines your wealth? Four ideas for getting rich in this article are for your reference.

Money management is an idea. If you want more money, you must change your mind.

Any self-made person always starts from a young age, progressively and gradually expands.

Investment is also the case. The initial investment is limited, but with the concept of wealth and wealth, it will surely become the basis for greater benefits in the future.

Many people try to save and raise a large sum of money and then do a big business or big investment, because they think big investment can make real big money, but they will go against it.

Too many immature motives and ways of thinking ultimately result in huge risks for their large capital, or they fail to do business or lose most of them.

Then, do you become rich by not just managing your own skills?

Because many people in the face of financial management and investment, there will always be immature to think that there is a risk, who lost, who lost their blood.

It is always believed that keeping money in banks is more stable. Because of this, they lose the chance to become a rich man, and can never be rich. They can only become a tool to make money, rather than a free person who enjoys life.

The poor and the rich have different financial views.

When people just joined the work, they did not earn enough and they only had enough daily expenses.

In a few years, wages will rise to four thousand or five thousand. They will consider saving money, paying the down payment and buying a house.

In a few years, when income rises to eight thousand, they will face higher living expenses such as getting married, having children, buying a car, etc.

After a few years of struggle, wages will rise to twenty thousand or thirty thousand or even more. Maybe it can be called a successful career, but the pursuit of life is also rising. The house needs to live more comfortably, the car needs to be more advanced, the children have to go to expensive bilingual kindergartens, and tourism is going to the holiday resorts abroad.

In short, this kind of living situation is not only in Chengdu, but also in many big cities, such as white-collar workers.

It seems that the quality of life is getting better and better, but high income does not mean that they can enter the ranks of the rich, because the monthly bills are getting higher and higher, and the expenses are bigger and bigger. As a result, their dependence on work is getting stronger and stronger. Even they dare not think about changing jobs, because when they leave work, they will stop and stop and restore the poor.

So many people seem to be rich, but they are not really rich at all. Therefore, from the point of view of scientific financial management, the idea of high income and saving money to achieve affluence is totally wrong.

Then, what kind of scientific and financial management concept can we tailor ourselves to finance and wealth?

Experts have provided such a typical example that the former princes and princes of the nobility enjoyed their life without having to do things by themselves or their ancestors.

They spend less than one point on their money, and spend all their money on the antiques, paintings and old furniture in the seller's house.

In Lu Wenfu's novel gourmet, Zhu autonomy is different.

He has a considerable amount of real estate and a monthly rent, and naturally leads a leisurely gourmet life.

It can be seen that the difference between the poor and the rich is that they are more money and less money, but the essential difference is the scientific attitude towards financial management.

Figuratively speaking, in the hands of the rich, money is chicken, money will generate money, in the hands of the poor, money is eggs, with 10 Fen less than 10 Fen.

Property tends to financial management investment

The report defines the new rich people as follows: personal financial assets are above 500 thousand yuan, and annual income is more than 200 thousand yuan.

Nowadays, the new rich group has formed the pattern of three branches of private economy owners and senior managers and professionals in various enterprises.

The report also shows that these high-income groups are mainly concentrated in the central cities such as finance, IT, telecommunications, real estate, trade and professional development. The survey of potential investors in the 5%. report about the total population of these cities also shows that for all kinds of investment and financial instruments in the 1 years, the real estate market ranks 53.2% in third, lower than that in treasury bonds and funds, higher than children's education funds, stocks, regular savings and collections. In the next 1 years, the choice of various investment and financing tools in real estate is ranked second, behind the fund only in 8.3% place.

In this regard, industry analysts believe that residents of real estate investment in the future earnings generally optimistic.

To this end, a commercial property marketing director in the interview that Chengdu, as the central city of Western China, finance, IT, telecommunications, real estate, trade and other industries are very developed and active, so the new urban population is increasing.

For the new rich people who account for 5% of China's urban population, they are more willing to choose medium and long term property with good momentum of development and continuous profit creation because they have gradually developed a more mature financial concept and abundant material resources.

It is not surprising that the investment in real estate that has been developing vigorously recently has become the first choice.

Everyone can be a master of wealth management.

The word "financial quotient" has a long history, but few people can really understand its concept.

It is important because it allows people to get out of many misunderstandings of past financial management.

Usually, the poorer families are more likely to get rich by the negative idea that they are lucky or engage in improper industries. The more positive idea is that they are working harder or more diligently.

But the real reason for these people is that their financial habits are different.

The prerequisite for getting rich is to invest in assets with high return on investment, such as stocks or real estate. For example, some people can earn a high salary through their own hard work, but this does not mean that his financial intelligence is high, but his ability to work is strong.

Some people in the investment process, the style is bold, dare to take risks, often have a lot of gains.

However, it can not be regarded as high financial intelligence. Only his speculative ability is strong and his luck is not bad.

For example, one million of the houses will earn one hundred thousand of the speculation.

In daily life, what people call "financial quotient" is the ability to use their own funds to earn stable returns.

For example, spend 1 million to buy a house, rent it, rent is even a steady income, and the higher the income, the stronger your financial management ability. Therefore, simply "rich" can not let people retire at ease.

Therefore, for consumers (especially investors), they must be good at using your wealth to make money work in place of people. You can retire only if money can earn you enough income as stable as wages.

It is really called "two great gifts from heaven to each of us: Thought and time.

"It's your turn to do what you want to do with these two gifts. You and only you have the right to decide your own future.

If you spend money unplanned and unrestrained, you choose poverty, and spend it in the long run.

In return projects, you will enter the middle class; invest your money in your mind, learn how to acquire assets, wealth will become your goal and your future, and the choice is yours.

Every day, facing every dollar, you are making yourself a choice for a poor, middle class or rich person.

It is precisely because of such a concept of financial management, a commercial shop in the south of the city, a "young and ignorant, old and unfunded" advertising slogan at first appeared in newspapers, it has aroused people's sympathy for the choice of poverty or wealth.

Let money work for me, instead of working for money and becoming a slave to money. This is a correct idea of managing money.

Wealth does not necessarily depend on hard work. The result of financial management may not be different.

Planting trees in the first half and enjoying the cool in the latter half of life

For the new rich people in the city, the word "retirement" has become a complex and sad feeling in their minds after every success.

So, "I hope to retire at the age of * *", "I will retire" when I have the savings of * * million.

Such sentiments and rhetoric often fill our work and life, and have also become a hot topic of online discussion.

So how much money do the new rich people have to retire and enjoy their old age?

There was a classic joke on the Internet that was 3 million 972 thousand yuan.

It includes: buying an ordinary house to spend 500 thousand yuan, buying a car at least 1 million yuan (150 thousand yuan / vehicle, retiring to death three), raising a child to 300 thousand yuan, and respecting the parents 432 thousand yuan (a couple should have 4 old people, according to the monthly 300 yuan for each elderly), the family expenses are 1 million 80 thousand yuan, the leisure fee is 300 thousand yuan, the retirement pension is 360 thousand yuan.

In fact, the above example is a joke, but it is passed to us by the sense of concept. First of all, we must carry out primitive accumulation of capital, or accumulate savings through work or through investment.

With primitive accumulation, it is necessary to obtain stable cash income through investment.

Only by investing in stable cash flow can people have a continuous earning power in the investment field so as to avoid the risk of speculation.

Both stable income and risk aversion can make people retire at ease.

Of course, compared with some developed countries, Chinese people's financial management concept is in a rather immature state. Most people invest in a speculative mentality. They always want to earn a large amount of money by listening to a message, but ignoring investment is a hard job. They have a lot of homework to do, too much emphasis on "how much money they earn" instead of studying how to get long-term and stable returns.

In some developed countries, what people value is steady and sustained investment returns, rather than big and big gambling investment.

Therefore, if more people can invest rationally with the purpose of cash flow, then the ideal of retirement can be realized earlier, and the investment environment of the whole society will be more rational.