Do you know how much a family will cost for a lifetime?
Let's figure it out!
At least 1.5 million for 1 suite plus decoration
1 child to graduate from University at least 1 million
A family of three has a daily expenditure of 50000 yuan every year, about 1.5 million yuan in 30 years
A couple will spend at least 40000 yuan per year after retirement
It takes 800000 yuan to provide for the aged for 20 years
Life needs: 4.8 million yuan!
That doesn't count: inflation, hobbies, supporting parents, buying cars and changing houses, marrying a wife, spending money on children and grandchildren, health care, hospitality
4.8 million is not enough. It can only meet the needs of survival. Once there is a little wave in life, the whole family is out of control.
One
30000 a month still anxious
Liu Yun, a colleague, has been married for 10 years. Her hair has turned white in a hurry these days.
The elderly in the family suffered a sudden stroke and were hospitalized. The huge medical expenses overwhelmed the whole family in an instant.
Now the family is basically "three no" principle: no resignation, no illness, no second child.
Why? It's very simple, because there's only one dead wage, you can't afford to play.
In fact, ordinary families with quiet years are all in crisis and can't stand any test.
Money may not buy the truth, but money, the key time to save lives!
Because, in the adult world, money has the strength to face the problems from life.
Two
How to deal with low salary without "expectation"
A girl who works as a nurse for several years, works night shift every day, and her income is not high. She always says that she has no "Hope" for her job.
I want to change my career but I don't know where to start. Now I study accounting by myself in my spare time. I feel confused and anxious every day.
You should have heard a lot of such classic questions: "I have graduated from University for 5 years, doing a plain job, with a dead wage, what should I do?"
Many people think that hard work can achieve wealth and freedom.
I feel that hard work can make me rich, frugality can save money, and financial management needs a lot of money. In the end, my savings never exceed five figures.
In the final analysis, this is because of the Chinese people's deep-rooted "poor people's thinking".
When you are saving with a dead wage, the rich have already started "income after sleep".
To put it bluntly, we should make use of sideline business, financial management and investment to make money by ourselves. In this way, when you sleep, your income is increasing.
Three
Compound interest, the miracle of common people's wealth counter attack
Caf é is a 92 year old girl. She works in Zhongguancun, Beijing. She is in a rush every day. She has the same anxiety as a new employee.
From the beginning of receiving 3000, 5000 monthly salary, to slowly double the wage.
Work hard to make money, still do not have much savings, do not know what the significance of their work.
"In addition to confusion, I began to worry, but I couldn't find a way out of the moonlight. Life seemed to enter a dead end. I don't like my present job more and more, but I dare not quit
Half a year ago, CAF é told me that she had quit her original job, had a savings, reduced her salary and went to her favorite studio. Not only was she not anxious, but her plan for life became clearer.
All of this stems from her use of direct means, that is, financial investment.
In fact, many of us have financial ideas, but few of us really make money. Why?
There are two reasons:
First, I think the threshold of financial management is very high. I don't have much money on hand. How can I manage it?
Second, I think that financial management is deceitful. It's better to put it in a safe place in the bank, even the balance treasure will not be used.
These two points are exactly the biggest mistakes of Chinese people in financial management.
Even if it's only one cent, you can still make money lying on your back.
It's really easy to increase your income.
Some people can make profits through Alipay's financial management and WeChat's financial management.
If you also want to make the first pot of money by lying down in the simplest and most practical way, it's a good shortcut to choose the effective method verified by a large number of financial learners.
For example, the 12 day Xiaobai financial management training camp of Yixue school, verified by over 2 million students, is a good choice.
Special time limit
The original price is 199 yuan. Now you can swipe the code and get the course at 9.9 yuan~
Add teachers and join the group to get success!!
(Please add the wechat of the teacher and join the group, otherwise the collection will be invalid.)
Zero basic finance dry goods community grow together
Time limit collection
In fact, the essence of financial management is two words: making money. Even if there is only one cent in the class, you can still make money lying down.
At the beginning, people who study financial management will be amazed by the miracle of compound interest:
Suppose you have a 10% yield per year of 100000 yuan, how much will it reach in 60 years?
The answer is 30.448 million yuan.
10% income every year, killing any salary
For example, you start to save 200 yuan a month from the age of 30. If you pay an annual interest rate of 10%, you will have 765655.34 yuan at the age of 65.
The reason why 200 yuan can earn 765000 yuan is that you let money work for you for 35 years.
This is to make use of compound interest and "lie down and earn money" without work, which is the most effective way to achieve the goal directly.
Four
"The annual income from financial management is the salary of ordinary people for ten years"
I know a 40 year old woman, who is neither the second generation of the rich nor the second generation of the officials. She studies in the financial management and earning camp and realizes wealth freedom before the age of 40.
All kinds of opportunities of stock, fund and real estate are not lost, and three children are still running in start-up companies every day.
In 2017, when you paid a Alipay bill, the financial return was worth the annual salary of the ordinary office worker. Of course, besides Alipay, there were various account income.
Alipay and some fund income in 2019
"To be honest, my annual income from investment and financing is the salary of ordinary people for ten years, maybe more than that," she said. "
Many people are confused and want to be rich, but they often only use their physical diligence to cover up their mental laziness. "
Yes, most people are anxious or confused, in the final analysis, because they are poor.
Some people will ask, compound interest curve is beautiful, but 10%, 20% of such a yield, ordinary people can achieve it?
Of course, it's not good to buy P2P, lottery and overtime to earn dead wages, but it can be done through reliable learning + execution.
Take you back to the return of index funds:
On January 4, 2006, the CSI 300 index had only 923 points. On January 2, 2020, it reached 4096.58, up 3.44 times, with an annual yield of 11.2%.
On January 4, 2006, the China Securities 500 index had only 860 points. On January 2, 2020, it reached 5241.94, up 5.09 times, with an annual yield of 13.8%.
That is to say, if you bought the index fund of CSI 500 on January 4, 2006, and hold it until April this year, for 14 years, you can easily obtain an average annual yield of 14%.
Even if you buy the index fund of Shanghai and Shenzhen 300 by mistake, you can get 11% annual return.
At present, the 12 day Xiaobai financial management training camp of Yixue has reached 48 sessions, involving no less than 2 million people. Many students start from scratch to get more financial benefits.
Lots of people make money here
A few years later, someone turned to be a professional investor,
Some people travel around the world with cameras after making money,
Some people, after their passive income is finally higher than their salary, are relieved to be full-time mothers.
Financial management is not hard to learn. Once you start, you will have more passive income and more freedom in life.
Special time limit
The original price is 199 yuan. Now you can swipe the code and get the course at 9.9 yuan~
Only after receiving the course and entering the group can you get it successfully!
Quota is limited, scan code to add teacher, remember to listen to class!
The lecturer of the course is not average. He has 15 years of investment experience and is a columnist on Wall Street!
Every day with the teacher, step by step from shallow to deep, learn, communicate, share, and move forward side by side. Even if there is no foundation, you can see your growth every day. This experience is really great!
? 12 days of community accompany learning, class teacher and teaching assistant 1 to 1 to help you make changes;
? homework comments + practical cases + on-site Q & A, to solve your financial problems at any time;
? high quality circle of students, with like-minded small partners to achieve double wealth!
Only spend 9.9 yuan, about equal to do not need money to scan code to occupy a seat, scan code to add teacher immediately, remember to enter the school, then you can learn!!
Money is a lifelong ideal, 0 foundation can also learn, low cost and low risk, take you to lie down to make money!
A small move may bring great changes to your family: at the age of 25, when others are still in Guangzu, you use financial thinking to make 300000.
At the age of 35, others are working hard to provide houses and cars for their children to go to school with a dead wage. When you use 8.8, you can easily let your family realize wealth freedom, and you can travel on the go at any time;
At the age of 55, when other people are facing the danger of being laid off, you will realize wealth freedom early and lead a happy retirement life early.
At the age of 65, others were targeted by lawbreakers because they didn't know how to invest, and they were cheated by hundreds of thousands. Not only are you relaxed, you've doubled your pension.
If you want to increase your income, increase your family's ability to resist risks;
If you want to know the comprehensive financial management knowledge, have the thought of making money;
If you want to have high-end circles and contacts, make progress together.
Join [12 day Xiaobai training camp] together to realize your dream of making money!
For such a good course, the limited time discount is only 9.9 yuan!
Don't forget to add the wechat of the teacher in charge of the class after you sign up, so that you can enter the classroom to study!!
As long as we do a good job in financial management, we can get more income than salary! And the money is still in vain!!
Help you sort out the financial management knowledge system
Original price: 199 yuan, special price: 9.9 yuan
After scanning the code to sign up, you must add the wechat of the class. Remember to enter the school to learn!!
Common problem
Q1: how to arrange the class time? Wechat end online learning anytime and anywhere, class group dry goods explanation and Q & a concentrated in the evening, missed can also look back again and again.
Q2: after successful enrollment, how to join the class group? After successful registration, you can see the contact information of the head teacher. Please take the initiative to add the head teacher's wechat to ensure that you can join the class group.
Q3: what should I do if I have any problems in the application? If you have any problems, please search [Yixue school] service number, and reply to "manual customer service" in the background.
Q4: Why did you fail to add the wechat of the head teacher? Because of the need to enter the group manually, due to the large number of people, the head teacher needs some time to process the application request, please wait patiently!
Join [12 day family financial management and earning camp] manage money first, know how to spend money, save money skillfully, learn how to earn money ↓ Click to read the original text and get on the car quickly, and the camp will start this week!