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A while ago, my planet was discussing such a topic, asking whether young people should manage their money? It was very intense, and some people even put out an article by a big V, whose point of view is: young people's financial management is the way with the lowest utilization rate of funds, and young people should not manage their money.
I also read that article, and there is one point of view that I very much agree with, that is, young people are on the rise, and spending money on improving their abilities is the most important and cost-effective investment.
I can't agree more on this point. Young people want to learn English, read books, and learn a skill. This kind of money cannot be saved, and this kind of investment will benefit them for life.
But the problem is, you can't spend all your money on investing in yourself. You always have some leftover savings every month, and you should always have some spare money. You only know how to save in the bank and save Yu'ebao for those savings that are not invested in yourself. , is the real lowest capital utilization method.
Someone might ask? I don’t have much savings, maybe tens of thousands or even ten thousand yuan. I can’t make a lot of money with this money for financial management. I will think about financial management when I have money in the future.
People with this kind of thinking actually have the idea of exercising when the weather warms up. Financial management is not just about making money, it is also a kind of ability. You have this ability when you are young. As your funds become more and more abundant, the knowledge and experience you have will minimize your risks. Learning financial management, the risk is also the lowest, the important thing is that in addition to the money you get, you can also get this kind of money management and value-added ability.
Someone asked again? Financial management is risky, especially some P2P. I don't do risky things.
People who have this kind of thinking, you are welcome, it is difficult to achieve great things. Theoretically speaking, as long as it is valuable, there must be risks. If you do business or start a business, there is also the risk of failure. If you save Yu’ebao, there is also the risk of account theft. Even if you are a high-speed rail, there is the risk of an accident. Woolen cloth. Thinking of 0 risks and at the same time can obtain huge benefits, which is essentially no different from getting nothing for nothing.
Therefore, of course, financial management is risky, but you are afraid to do it because of the risk. This kind of thinking will make you miss a lot of opportunities. What you should do is to minimize risks by learning and accumulating experience, and gradually gain benefits on the basis of controllable risks. This is business thinking.
As a digression, P2P is actually quite late now. When P2P first came out, I researched it with a few friends in the industry, and found some reliable platforms to invest in P2P, which will earn 20% of the income of regular and reliable platforms is too much It’s normal. Later, with more and more P2P, there are more and more leather bag companies, and the income of regular platforms is also low. That kind of market is gone forever. Now if a platform tells you that the income is 20%, then 80% is a liar.
So, to sum up, my point of view is that young people, you should give priority to improving your ability, whether it is time and energy investment or money investment, you can't save your investment in yourself. In addition, if you have extra spare money, you can consider using the idle funds to manage your finances. Although managing your finances may not make you rich, at least one can make your funds outperform inflation. I am deeply touched by the financial management skills. When you save more and more in the future, you will realize the importance of this skill.
Finally, I would like to recommend a reliable financial management platform "Tuandai.com". Tuandai.com is a wealth management platform that I often recommend. Before investing, I retrieved the relevant qualifications and data of Tuandai.com as follows. There are pictures and facts:
The platform has been operating steadily for 5+ years, with a Tianyan rating of A+, ranking 7th in data, and a reference annual rate of return of 12.6%, and it is now raising interest rates by 0.5% for a limited time! This wave of wool is really rich!
Last year, Tuandai.com reached a strategic cooperation with Hongte Precision, an A-share listed company under Wanhe Group. The recent annual report of Hongte Precision announced that its revenue exceeded 3 billion last year, which can be said to be the result of the alliance between powerful players, which greatly adds to the platform brand.
Of course, in addition to reliability, the most important point is wool. At present, the novice activities of the group loan network are quite attractive. If you are a new user, you can enjoy 3 benefits for the novice:
1. After novice registration, the platform routinely gives 518 investment red envelopes for investment cash reduction and 2888 yuan experience gold.
2. Exclusive products for novice, enjoy a short period of 12% novice re-investment treasure.
3. Up to 800 yuan Jingdong card. This is unique to the channel, and the official website registration does not have this benefit. Please read the investment rules carefully.
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