First, when I was young, I dreamed of making a fortune by managing money.The industry believes that, 澳洲基金投资 The development of our company marks the rapid and steady progress of the whole industry. https://boman.group/
When we were young, we had little social experience, little income, little savings and no connections. Working was the most cost-effective business in the world. If you can’t even do a risk-free and relatively standardized job well, where can you have the confidence to fantasize that you can get rich through financial management?
Investment and financial management, like doctors and lawyers, is a very difficult subject. It not only requires learning enough financial knowledge, but also requires years of practical experience. Graduate students who graduated from finance have to study hard for many years before they can become proficient. It is totally unrealistic for ordinary people to get rich by financial management without accumulation.
People should first be down-to-earth and do the simplest and most basic things well. If you can’t even walk, you want to fly. If you don’t fall to death, you will fall. Work is a basic skill. As long as you are not too stupid, you can get a good salary if you are willing to work hard and stay in an industry for several years. In this world, the salary has changed from 3K to 1W, but less than 2% of people can play with investment and get good returns. These people have strong IQ, talent and comprehensive ability, and they have to work harder than their jobs to reach that level.
So when you are young, 90% of your time should be spent on improving your working ability, earning more money and saving it. Life is stable first, and then it can take off.
Second, financial management is a matter for the rich.
Many people think that since you can’t make money by financial management when you are young, you don’t need financial management. This is also wrong. Financial management runs through life, and the more useful it is in the later stage, the more you still have to spend 10% of your energy on financial management when you are young.
First of all, by making a living budget, we can scientifically plan our consumption, income and savings, and the problem of where the money goes will be solved, and bookkeeping can ensure that we clearly know the direction of each sum of money. Check monthly according to the bill to see if there are unnecessary expenses, and make improvements next month to save more money. Financial management allows us to save money. When our income is small, it can effectively help us manage our expenses, cultivate self-discipline and moderation, and improve our quality of life and happiness.
Secondly, financial management learning is really not a one-off event, and it needs a long-term process of practice and experience summary. When we have less principal, income is not our most important concern, and the experience of success or failure is the greatest wealth during this period. By trying, we can really understand the attributes, pricing methods and cycle characteristics of various financial products, and be familiar with the basic trading techniques, so that we can have a simple judgment on the market trend and lay a solid foundation for our future investment activities.
Finally, if you don’t learn financial management in advance, even if you save money through work and have no experience to invest rashly, the amount of investment loss can no longer be just a month’s meal. In addition, your ability to resist setbacks is much worse without investment experience. If you don’t start well, you will often fall into pessimism and lose confidence in financial management. From then on, you will no longer be willing to try some risky investments and only do extremely conservative financial management methods. At the same time, when a person has accumulated more assets, he is often in the busy period of his career, and often has little time to learn financial management skills. At that time, it is possible to simplify the management of his own financial management, such as choosing mindless financial management methods such as depositing national debt, thus wasting tens of thousands to hundreds of thousands of income that should be earned.
Investment and financial management is a complex science. It is necessary to learn to benefit from it all your life, and the sooner you start, the better. It is very necessary to spend a small amount of money and time to buy experience when you are young.
Third, people still think that work is more important than financial management after middle age.
When people reach middle age, most people will encounter a bottleneck in their salary income. It is very dangerous if the income from financial management is very small and the salary is still the only income to support the family. People’s main income in the first half of their lives depends on wages, and their main income in the second half depends on investment.
Because people reach a certain age, their wage income will gradually decline with the aging of people, and they can only get a little retirement salary in old age. On the contrary, investment income is like a snowball, which is getting bigger and bigger. In the second half of life, it mainly depends on investment income.
Property income is similar to work income, and there are two qualitative changes, which also require two leaps in ability. A qualitative change is when you no longer just save money, understand the balance between risk and income, and rise from financial management to investment. The other is that we understand the market rules, can avoid risks, and can find investment opportunities and seize opportunities in the market.
Work and financial management are actually equally important, only in different performance periods. When we are young, work is the most important thing. With work, we can earn the most money quickly and stably, and complete the original accumulation. After middle age, the salary will touch the ceiling, so we need to make money by investing the funds accumulated in front of us, so that the snowball will get bigger and bigger, and the income will be more and more, and finally we will have no worries about food and clothing and financial freedom.
