The topic of making money is nothing more than products, traffic, and transformation. I have already said a lot before . an investment.
It may be a bit big to talk about life. Every step we take and every choice we make can be understood as investment. After all, your current situation depends on your past choices and actions.
With more people in contact, sometimes I think privately that those people who don’t know as much as you, and even feel a little “stupid”, earn more money than me. Why is this?
Excluding social relations, capital accumulation, background and other influencing factors (uncontrollable factors) , I have summarized three controllable factors that affect our ordinary people 's efficiency in making money :
1. Track investment
2. Behavioral investment
3. Risk preference
1. Track investment
"Choice is more important than hard work", everyone has heard this point of view badly, but you may not actually feel the impact of "choice" around you, so most people don't pay attention to it, or even blindly pursue it. However, if you look at the people around you who quickly cross the wealth class, it is all thanks to the choice of the track.
Not long ago, a colleague of the team who graduated last year said to me: "Among my peers, although I earn more money than them, I am actually pretty good. I don't know much about drainage like you said, so just now Coming to Beijing, I was quite anxious" (Old Versailles...) But you look back and think, why did they earn hundreds of thousands of dollars just after graduation, because they gave up a job with a stable monthly salary, five insurances and one housing fund, But he chose to join the laver team as a freelancer to make money for himself.
Then he chooses the leader who invests correctly and makes money in the right industry, and the natural income is much higher than those of his peers who go to work. Of course, it does not mean that the job is not good, but that the return on investment period of work is longer and the return on investment is relatively low.
Similarly, my sister asked me what major to choose for the college entrance examination this year, and I don't know which direction to choose, but the city and industry choices in the general direction are correct. As long as I work hard enough, the difference will not be too much.
2. Behavioral investment
Laver once said: "Thieves don't go empty", which has a relatively large impact on me. The inspiration is that every time we pay a cost to do something (regardless of time experience cost or money cost), there must be a chance Earn it back.
The cognition that needs to be changed here is: "Everything you do is an investment . " It is actually quite difficult to do this, just like I was born in the countryside, and I was educated to be frugal since I was a child. As a result, until now, every time I spend money, I will subconsciously calculate whether it is worth it.
But from an objective point of view, this is actually wrong: because the income ceiling of the person who educates you is limited, it may be correct at the current latitude, but it is not the logic to switch to a higher level, just like some people Willing to spend thousands of dollars to buy Moutai to entertain friends. In my earliest logic, it is definitely impossible to do such a thing.
But once you realize that any effort is an investment, you will definitely be more willing to use high costs to gain higher returns, just like I posted on Moments not long ago that I have already spent 5 figures on knowledge payments this year Yes, because I know that this investment will definitely get more returns from it.
If you participate in knowledge payment only from the perspective of learning, you are probably just a leek, and you end up paying time and money, but you get nothing in the end. The same goes for our daily consumption. We can’t always rely on the original path. For example, when I go to supermarkets and buy fruits, I’m used to purchasing from Hema, Daily Fresh, and Carrefour. The prices are not much different, but these Consumption records can be exchanged for Moutai, so the profit from this bottle of Moutai may be enough for your fruit expenses for a year.
Including I usually receive express delivery and take-out, and I will deliberately maintain these relationships. For example, I just came from Michelle Ice City today. I imported hundreds of orders a day. Money, in today's projects where the cost of a single follower is eight or nine yuan, you can realize how valuable this channel should be.
Another example is the little brother of SF Express. I usually receive and send a lot of couriers, and I have a good relationship with them. I told them about the channels and news reports, and the Moutai I grabbed was given to me. This is another source of income after sleep.
Of course, the above-mentioned things require you to have enough awareness. You have to know what kind of money you can make from it, and which actions have arbitrage opportunities behind it. Open a restaurant and nothing else.
Cognition determines your behavior path, and there is absolutely no need for path dependence, otherwise it will be difficult to jump out of the original circle, so if you want to make money, the first thing is to change your cognition.
3. Venture capital
We all know that any investment is risky. The problem is that different people have different acceptance and tolerance of risks. But if we want to obtain faster wealth accumulation, we must and must embrace risks.
Just like the little friend I mentioned above who earned hundreds of thousands of dollars just after graduating from university, the risk they bear is that they have no source of income. I can’t do it by asking myself, so I adopted a relatively low-risk investment at that time: change careers.
The only risks I took were disapproval from people around me and uncertain job opportunities, but looking back, this investment was very correct, and it was a good deal compared to most of my classmates.
Including my resignation and starting a freelance job is also an investment. The risk I take is that I have no stable source of income. From the most extreme point of view, at worst, my two years of graduation savings will be squandered, and at worst, I will go back to work. This is completely acceptable. And the income is unlimited. For the time being, I don’t know whether this investment is correct. I will wait for time to find out~
I agree with Rouge King's wealth troika strategy of salary-arbitrage-investment, and I think it is the best path for ordinary people to accumulate wealth:
Obtain cash flow through wages, magnify your own capital effect through arbitrage, and then gain greater returns through investment. For details, see: "33 years old, the troika of my wealth"
Similar to Lao Hua’s triple strategy of industry-securities investment-real estate, see "Money-generating formula = few but correct decisions × big bets"
The core logic is to maximize the utilization rate of one's funds through investment, real estate, and leverage on the basis of existing cash flow, actively embrace risks, and gain greater returns.
There is a paragraph in Lao Hua's sharing that is very vivid:
If you had an annual income of 300,000 10 years ago, you could pay a down payment in Hangzhou; now with an annual income of 3 million or even 5 million, you may still only be able to pay a down payment when buying a house.
did you see it? Your purchasing power has not increased. The core logic of Sanyuan is actually to walk on three legs, that is, it cannot completely rely on entrepreneurship.
So you see, as long as you want to cross the class, it is almost impossible to rely on work alone, or even start a business, because the probability of success in one thing alone is too low. Assets, to exchange risks for more returns, will have more possibilities.
In a way, life is also a gamble.
By the way, an interesting phenomenon I observed is that those young and powerful young people around me are more or less gambling... (bridge, lottery, etc...)
At the more extreme point, wealth is closer to people with strong risk appetite.
However, we must distinguish the difference between risk preference and gambling. Risk preference is more rational, so I always emphasize that people in the group should learn to calculate accounts. The awesome people are more willing to invest in things with a higher probability of success, otherwise they will not These words will appear:
"A person who is awesome will continue to be awesome"
"The money earned by luck is lost by skill"...
In short,
Your track investment, behavioral investment and venture capital determine your future.
Most of the attributes of venture capital are engraved in genes, and the surrounding living environment will affect you, so it is still difficult to change in the short term.
But your track investment and behavioral investment can be completely changed according to your acquired behavior.
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