1 Introduction
In 2005, I entered a university majoring in software engineering with infinite vision for university life. From the first day of applying for this major, I have heard countless remarks that the software industry is a "youth meal". To this day, the youthful Maotou boy has worked for 8 years. In a blink of an eye, he has entered his thirties and has become the father of a child.
There have been fewer comments saying that the IT industry is a "youth meal", but there are more and more discussions about the "mid-life crisis" in the IT industry, especially the 34-year-old Huawei employee who was laid off at the front end, which has exploded. media.
In recent years, I have also thought a lot about the "mid-life crisis". Let me share some of my goals and plans for dealing with the mid-life crisis.
2. Goals and Planning
Overall goal : to get through the "mid-life crisis" smoothly and to have a comfortable and comfortable old age.
I break down this goal into the following parts to achieve step by step.
2.1 Career planning
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PS: For young students who have just graduated or have not yet graduated, special advice must not ignore career planning (extremely important), and can set career goals in stages, such as becoming an intermediate engineer within 1 year, reaching the senior engineer level in 3 years, etc. Then figure out how to get there, breaking it down into what to learn each month and week. It will not be expanded here. There are many big cows on the Internet who have shared this aspect, and you should search and think about it yourself.
Here is an article on Zhihu, which has a certain reference value: https://zhuanlan.zhihu.com/p/20427809
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status quo:
1. Learning ability: have their own learning methodology. Learning is as natural as drinking water, and you can learn and master new technologies very quickly.
2. Thinking ability: have their own problem methodology. Can quickly grasp the essence of the problem and quickly develop a solution.
3. Technical ability: have their own knowledge system and can quickly find out the technical essence of the familiar field.
4. Management ability: able to be responsible for several business lines independently, with a small team.
Target:
Reach the level of technical director to CTO of a small and medium-sized company before the age of 35
Target Analysis:
In the role of technical director and CTO of small and medium-sized companies, my understanding is that at least the following abilities should be possessed:
1. Team building: Be able to be independently responsible and set up a R&D department with more than 20 people. Cultivate technical leaders.
2. Technical ability: be able to have a global technical vision and give global technical solutions (need to be familiar with the details)
3. Business perspective: able to gain insight into customer needs, capture business opportunities, and plan technical products. Guide business growth and profitability through technology products.
4. R&D management: Be able to have excellent software development process management capabilities and improve the development process. Optimize the organizational structure of personnel.
reach the goal:
Among the above goals, in addition to technical capabilities, other aspects have only touched the corners. And not much practical experience. The plan is to break through in the following two aspects:
1. Theoretical improvement: There are many excellent books on team building, business, and R&D management. It takes one year to read and comprehend. Continue to think and observe how and why the company has done the above in the past and now. Watch and think about how the current technical director works.
2. Practical improvement: Find suitable opportunities to jump to a startup or small company that feels good and strive to be able to hold relevant positions.
2.2 Family Planning
status quo:
1. Both husband and wife are office workers, and the husband (me) is the main income earner of the family
2. Both parents do not need to support for the time being
3. Have a 2-year-old baby
4. Have a mortgage to repay
Target:
1. Enhance the happiness of the family and give more care to the child
2. The family has a certain ability to resist risks (the worst case is that the main income source has an accident, and the family can also survive the difficulties)
3. Educate children well and let them grow up healthily and happily
Target Analysis:
1. Enhanced sense of happiness: The first is to ensure the harmony of family relationships (with both parents, husband and wife).
2. Anti-risk ability: In addition to a certain amount of savings, it is also necessary to formulate a suitable commercial insurance plan (I have done a lot of homework on commercial insurance, and I will share it at the end of the chapter)
3. Children's education: parents' words and deeds are the most important
reach the goal:
1. Increased happiness:
1) As a man, you must be more generous, and let yourself be more of a woman. When arguing, you have to control your emotions and calm down. Reasoning after the fact.
2) Arrange at least 1-2 times a year for family travel plans about a week
3) Sense of ceremony: For Valentine's Day, wife, child's birthday and other important days, pay attention to it (send flowers, gifts, cakes, etc.)
4) Greet the elderly more, complain less and complain less, buy more things for the elderly, and do what you can.
2. Anti-risk ability:
1) As the main source of family income, you must buy critical illness insurance, life insurance, and accident insurance for yourself. If the budget is sufficient, buy these three for the wife
2) Buy critical illness insurance and accident insurance for children. (Critical illness insurance can be purchased for life if the budget is sufficient)
3) Social security and supplementary medical care for husband and wife and children (generally, companies with better conditions have them, if not, you can apply for it yourself)
4) Develop an exercise plan to enhance physical fitness
3. Child education:
1) Lead by example, what you want your child to be, you must first do it yourself.
2) Develop a detailed child education plan (the initial plan includes several parts: behavior training, cognition (knowledge) training, and interest training)
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ps: In family planning, one of the things I have done a lot of homework is commercial insurance. I strongly recommend everyone to take a look at Li Yuanba's answer on Zhihu.
https://www.zhihu.com/question/22316395/answer/100909780?from=profile_answer_card
Regarding the purchase of critical illness insurance, I did a lot of homework and made a lot of comparisons. Finally, I found that the Supreme Treasure product that Li Yuanba strongly recommended in Zhihu's answer is very good. Here is their home page: http://www.wkbins.com/index.html
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2.3 Financial Planning
status quo:
1. I have some savings, but not much, I bought 6% of the wealth management
2. Wage income could rise slightly in the next few years
3. There is a small house that I bought entirely by myself (the process of buying a house: http://yunjianfei.iteye.com/blog/2275736 )
4. I plan to use all my means to buy another set (try my best to enlarge the leverage)
Target:
1. Steady growth in household income
2. Preservation and appreciation of family property
3. Rely on yourself for old age and live a comfortable old age
Target Analysis:
1. Income growth: As an office worker, the main income is salary. Referring to the career planning section, with the growth of personal ability, the increase in salary goes with the flow
2. Property value preservation and appreciation: In the long run, Beijing's housing prices have a very good value preservation and appreciation effect. Therefore, it is necessary to take advantage of the youth to enlarge the leverage to buy a house in Beijing (first-tier and potential second-tier cities can also be considered)
3. Pension: The achievement of this goal requires efforts to increase income and preserve and increase property value.
reach the goal:
1. Income growth: implement the content of the career plan
2. Property value preservation and appreciation:
1) Make every effort to take out a loan to buy a house in Beijing, and strive to have 2 Beijing houses (regardless of size) before the age of 40, one for self-occupation and one for rent.
2) Make a plan for income and expenses, after deducting all expenses. Make a fixed deposit every month and buy financial products with an annualized return of more than 5%
3. Retirement:
1) 35-40 years old, try to reduce leverage and control the monthly mortgage payment below 50% of income.
2) After retirement, one house will be lived in and one house will be rented out. Rent + pension for living.
3) The family's savings for many years can be considered for buying a home for the children or as an emergency reserve.