Eat Three Sentences To Make You A Rich Man!

It is understood that the current general lack of white-collar workers in the country are generally lacking in several important issues.

These concepts will affect their future behavior. If they can carry out these financial concepts honestly and at least for more than 10 years, everyone can become a millionaire.

The first concept of financial management: distinguish between investment and consumption.

Before people consume, there is no such concept.

Before consumption, the consumption is considered to be "investment" or "consumption".

Let me take a clear example.

10 years ago, a and B were undergraduate students. After 5 years of social work, they saved 300 thousand yuan.

They spent 300 thousand yuan 5 years ago.

A went to Tongzhou to buy a suite.

B bought a Audi.

5 years later: a house has a market value of 600 thousand yuan.

B second-hand car, the market value is only 50 thousand yuan.

The current assets of the two people are obviously different, but their incomes are the same, and they have the same educational background and basic social experience. Why do we have different wealth?

A purchase of money is a "investment" behavior - Qian Qishi did not spend it, just pferred to the house, and later all returned to their own.

Second, spending money on buying cars is a "consumer" behavior. Qian Shihua went out to others, and used cars for almost 10 years.

The car is different from the house. After 10 years, it may have turned over several times.

The second concept of financial management: Harvard doctrine

In the famous Harvard University, the first economics class taught only two concepts.

The first concept is to distinguish between "investment" behavior or "consumption" behavior.

The second concept is to save 30% of the monthly salary and the rest to spend.

Harvard graduates are rich after all, not because they are rich and well educated, but because they behave a little differently from ordinary people.

Harvard doctrine: saving 30 of wages is a hard indicator.

The monthly savings are the most important goal of the month, which will only be overfulfilled, leaving more and more money left.

Average person: how much money can be saved before we spend money, and there is not much money left in savings.

Third financial concepts: "financial management three sentences"

(1) save 30% wages every month, save first and then consume.

(2) annual return of investment is more than 10%.

(3) stick to it every year and stick to it for more than 10 years.

Financial management can not get out these three sentences. You must thoroughly understand every sentence. It can not be completely implemented.

In his book, he said he started saving at the age of 6, 30 yuan per month.

By the time he was 13 years old, when he had 3 thousand yuan, he bought a stock.

He persists in saving every year and persists in investing every year. Ten years as a day, he persists for 80 years.

At the age of 85, he is the richest man in the United States, and has more money than Microsoft chairman Bill Gate.