It takes about 5 minutes to read this article.
Today, a reader came to chat with me. He was very anxious. The reason was that Bei Piao had not had a house or a car for 10 years. He had a two-year-old daughter, but his savings was only 50,000 yuan.
I had an in-depth chat with him, and now his salary is more than 20,000 yuan, and his wife's salary is more than 10,000 yuan. The two of them are in the same company, renting a house near the company, and the monthly rent is 7,500.
The reason why there are only 50,000 deposits is that there was a P2P thunderstorm a few years ago, and I lost hundreds of thousands. Years of savings have almost gone to zero.
After the chat, I really sighed. When we were young, we were full of longing for everything: entering the workplace, getting promoted quickly, becoming CEO, and changing the world. But as time passed, the future we were looking forward to did not come. Instead, we were beaten by society and rubbed on the ground frantically.
Combined with the follow-up development suggestions I gave to this reader, I will also share with you how we can avoid falling into such a dilemma:
1. Improve cognition and refuse to be cut leeks
There are so many ways to harvest us in this world, here is a simple list:
gamble
There are too many gamblers who are crazy enough to gamble. Someone gambled in a casino and ended up going bankrupt.
Krypton Gold Game
Why do many game companies make huge profits? Because there are too many leeks, the game tyrants who spend a lot of money at every turn may already be heavily in debt in reality.
P2P financial management
Recently, there was an aunt in our community crying downstairs all day long. She invested her life savings in P2P wealth management products with an interest rate of 20%.
Various pig slaughter plates
Southeast Asian pig slaughter plate: This group of people imitated Gao Fushuai and deceived older single women. Many people were brutally murdered. You thought you had met the real one.
Air Coin
The blockchain is a good technology, but it has no choice but to play flowers in the hands of the sickle. Plagiarism, platform, hype, harvesting, running away, one-stop operation.
For example, Sun Dasheng, who was very hot some time ago, spent $4 million to shoot Buffett's dinner angrily. He can eat such an expensive meal 400 times.
To summarize:
Read more, think more, and constantly understand the nature of business society. Don’t believe that the pie will fall from the sky. Restrain greed and always set a safety bottom line for yourself.
2. Seek irreplaceability at work
At work, we must have the courage to seek breakthroughs, especially the opportunity to be responsible for a larger scope. We must continue to pursue growth. Only when you grow your income and position can you improve.
More importantly, find yourself irreplaceable to the company.
Take programmers as an example: for example, becoming a technical expert and mastering hard-box capabilities such as high concurrency/high availability, for example, in addition to the technology itself, understanding the product business and becoming a compound talent, or accumulating a deep network of contacts at work, you can always hold on to your thighs.
These all belong to enhancing their irreplaceability.
3. Find the second growth curve in life
This second curve can occur in the workplace as well as outside the workplace. It may be a promotion, a change of track, or you may have started a hobby outside of work and turned it into a career or a side hustle.
For example, in 2019, I made a plan for myself to seek breakthroughs in the field of self-media. In the past two years, while doing well in the workplace, I gained a total of 500,000 readers in the field of self-media. Through writing, I also found the second growth curve in life.
The core of finding the second growth curve in life is: try more, no one can predict what is suitable for you and what is not suitable for you, it is much better than a perfect plan.
If you find that it is not suitable, you can change the direction of the big deal.
I chatted with a tech boss at noon today. The boss planned to be a personal IP two years ago. He asked me three times before and after, and the official account has been registered for more than a year. I told him: If you don't hesitate, I'm afraid it's already 100,000 readers.
4. Reject consumerism and embrace investmentism
Consumerism invented in the 21st century is the biggest trap for young people. The perfect thing about this trap is that it makes you accept being a leek that has been cut repeatedly! He will also be proud of being harvested by a sickle, and worship the sickle as a god!
Take today's reader as an example, if I were him, I would never rent a house for 7500, but save money desperately.
Save money, save money, save money! After I have a small amount of money, I will think deeply + invest in financial management!
I still remember that when I first came to Beijing, I squeezed a house with my classmates and rented a basement. I suffered from all kinds of hardships, just to save more money.
After I had some money, I started to buy wealth management products and started investing in stocks, which have been fruitful over the years.
To this day, many friends around me will ask: You are so financially free, why are you so cruel to yourself?
Because I know: from thrift to extravagance is easy, from extravagance to thrift is difficult.
Only by looking at the resources we can have from an investment perspective can we ultimately control our lives.
A few final words:
In each of our lives, only ourselves are the redeemers. One of my favorite movies: "The Shawshank Redemption", Shawshank never gave up any hope of self-salvation under any circumstances, and he was able to pass detailed plans and Strong execution finally made that little hope a reality.
I hope that every one of my readers can take control of their own life as soon as possible, and encourage each other together!
Related Reading:
Why did a programmer from a small town refuse to join a big factory?