Today saw a very interesting post:
If you give a million, how you want to spend?
The problem many people must have thought about winning the lottery, a prize! You can get a one hundred million debauchery very cool, right?
Replies netizens also very interesting, there is a lavishly want to experience the rich second life, had wanted to buy a car from Happy quit his job in life, under a small, uninhabited island and to buy sufficient supplies of seclusion , as well as to allocate part of his wealth to come up with proper financial management ...
If this is you, you fry currency earned a million, what would you? Opening is to continue to enjoy the exciting game of life? Or clearance enjoy a better life?
Among them, I saw an article this Replies:
I think most people should be one hundred million and ten million is no idea, but if you really get a million dollars a day. Or 3000, a month to spend 10 million dollars, can last for months by 1000, enough full 83 years!
This 83-year period sufficient majority of people use the death that day!
Think really is the case, the expenses 100,000 a month, enough to pay most of the cost of living and recreational activities, and our work is to make money, make money in order to live a better life, in order to give his family a more comfortable living environment , after it had a one hundred million can not live the life you want, you do not need a job yet?
But the reality may not be so good.
We often have this feeling: how wages did not rise, but prices have been rising, can not help getting the money spent. Ten years ago I bought a cup of tea requires only two or three dollars, now a cup of tea at every turn ten pieces, expensive or even dozens, then this is the middle of a problem at work?
The answer is inflation.
We will keep the rate of inflation each year a certain percentage. Economics, inflation rates: average prices rise. For example, if the inflation rate of 2%, then 100 dollars a year, assuming you can buy a cup of tea, then the next year to buy the same cup of tea you need to spend 102 dollars. In other words, the purchasing power of your money is declining.
According to the data, China's annual average inflation rate is around 2%.
If that according to this data, a million of money in purchasing power after 10 years would be how much?
Inflation rate is calculated:
Inflation (prices rate) = (amount of money issued - the amount of money actually required for circulation) ÷ amount of currency in circulation actually needed × 100%
To facilitate understanding, we will convert this long formulas plainly:
C×（1＋X）n＝Z
其中，C表示现有本金，X为通货膨胀率，n为年数，Z表示为本金C经过n年后与之相同的购买力需要的资金数。
举个例子，你现在有本金C 10块钱，刚好可以买一杯奶茶，如果现在的通货膨胀率X为2%，那么1年后，你就需要花费Z 10.2块钱才能买到一杯奶茶，2年后就需要10.404块钱。
看过我的文章《巴菲特的复利思维》的同学应该明白，出现了上角标，就意味着这个公式已经具有复利的恐怖效果了，我们来看看几年后如果你想要有现在一个亿的购买力，你需要多少钱：
1年后，你需要102000000才能买到现在价值一个亿的东西；
5年后，你需要110808080才能买到现在价值一个亿的东西；
10年后，你需要121899441才能买到现在价值一个亿的东西；
35年后，你需要200000000才能买到现在价值一个亿的东西。
也就是说，如果你的一个亿放着不花，35年后它就只能买到现在只要花5000万就能买到的东西。
所以我是在建议你现在就把钱花掉？不要留着贬值？
当然不是！
这里要讲到非常有意思的穷人思维和富人思维，灵感来自于《富爸爸穷爸爸》一书，作者是罗伯特·清崎。
其中内容我就不过多赘述，作者用穷爸爸和富爸爸处事的不同思路讲述了穷人思维与富人思维的区别：
书中的两位爸爸是作者现实生活中的两位“父亲”，一位是高学历且有稳定工作的生父，一位是初中学历却经商多年的邻居玩伴的父亲。需要注意的是，作者区分两位父亲“穷”与“富”的区别并不是因为他们的资产，而是思维。
当两位父亲遇到心仪却又昂贵的物品时，穷爸爸会说：“这太贵了，我买不起。”富爸爸则会说：“这东西很不错，但很贵，我要怎么才能买到它？”
穷爸爸习惯于讲陈述句，买不起就是买不起，他习惯性的放弃了思考和努力。而富爸爸则习惯用疑问句，他会因为想得到这件商品而去想办法，他在积极主动的去寻找解决方案。
长此以往，穷爸爸在遇到金钱的问题是不断地逃避，也就越来越穷，安于现状。富爸爸则因为习惯性的想办法解决问题，所以他创造财富的能力越来越强。
Poor Dad because of the limitations of thinking, do not give yourself to create more likely, his mind was poor, his habitual deny their own in the face of problems, even more stable income but also no longer possible.
Rich dad because always trying to solve problems and create a more possible, so his business grew and grew, the possibility of future development of more and more.
Which led them money concept difference is so great reason to be distinguished from the authors call for IQ and EQ of "financial business."
Back to the question we started, if you fry currency earned a million, how would you spend?
Poor Dad you would like to save up as quickly, slowly planning flowers? Rich dad was the same as creating more likely to use the money?
Leave your thoughts in the comment section below, we work together to explore it.
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