Rich people see opportunities, poor people see obstacles.
Rich people see the potential for growth, and poor people see the potential for losing money.
How much reward can rich people get for focusing, and how high the risks are for poor people to bear.
Rich people think that the glass of water is still half full, while poor people think that there is only half a glass of water left.
Rich people look at a person's advantages or other possibilities, while poor people focus on a person's shortcomings.
Why are the rich getting richer and the poor getting poorer? Many answers will say that it’s because you don’t have the mindset of a rich person.
In 2007, I got my annual salary, plus the savings in my hand, which should be nearly 300,000 yuan. At that time, I also saw the buildings in Kunming. The house I saw at that time was 150 square meters in the community. 360,000 yuan is needed. In fact, you can buy a house in full by just asking relatives to pool some money. In the end, due to the battle of money and psychology, I didn't. Half a year later, the price of houses in the community I saw rose to 600,000 yuan. Seeing the fierce price increase, I was even more timid and did not buy a house. I always felt that it was too late and the price had risen too high.
In this way, under my attention, the houses have risen higher and higher. Until now, the house I have viewed has reached 2.4 million.
Poor people are poor people. They have no financial thinking. No matter how good the opportunity is, it will never come back again.
A friend I mentioned before made millions in assets with a principal of 8,000 yuan. What did he do? In fact, he started from scratch by borrowing 8,000 yuan and taking some friends to do small jobs in the project. Gradually he accumulated contacts and gained trust in the circle, and he started a farmer's market business in an urban village in the city.
First he signed a lease agreement with the village. Before the farmer’s market house was built, he paid the village a rental deposit of 3,000 yuan. After the house was built, he paid 50% of the contract price to the village. After the farmer’s market was put into operation, he paid the village the remainder of the lease. Full annual rental fee. He spent 3,000 yuan to sign the agreement with the village, and he had 5,000 yuan left over for personnel and document fees during the bidding period. After the bid is finalized, the merchant will build the house first and then pay the building fee after acceptance.
After the house was built, he put out a bid to rent it out again. The rent for the shop facing the street doubled dozens of times, and the shop in the middle was also rented out several times the original price. Moreover, the rented shop paid a one-time lease fee of three years. . In this way, he used the money from the rental fee of the shop to repay the owner who built the house. The unit price of the built house from the owner doubled many times when it was rented out in the market.
This is his method of making money overnight! In the same way, he continued to run several farmers' markets, and suddenly became a veritable boss with assets of millions or even tens of millions.
This example shows that the difference between the rich and the poor does not lie in the level of capital, but in courage and knowledge!
There are many examples of self-made rich people. Their experiences of failure are different, but their experiences of success are surprisingly the same. And what kind of warning do these successful rich people inspire us? How can we improve ourselves?
1. Plan your own time clock
People often say that time is money! This sentence is true!
When it comes to managing money to make money or working part-time, many people always lament that they are too busy and have no time to manage it. So where does your time go?
Open the mobile phone and browse casually, and an hour has passed. Open the web page and browse casually, and another hour has passed. This is how time is ignored, forgotten and wasted by people!
There was a girl in the community some time ago who was able to pass the first-level construction engineer exam in one go during her maternity leave. When I saw the scene she posted of holding her baby in one hand and reading a book in the other, I was really shocked. Admirable! In addition to admiring her study and persistence, the real reason why she was able to pass the first-level test is that she is good at using the trivial time in the morning, evening, dining room, and chat room every day, and spends these trivial time on studying!
Time management, in a big way, means managing your own life, and in a small way, it means managing your 24 hours. The degree of management determines the speed of success or excellence.
Life is like a journey. Sometimes what determines our upper limit is not IQ, but self-discipline.
2. Reading is a noble act with the lowest threshold
What widens the gap between people is not money, but knowledge! Reading is the fastest way to grow and change your life!
Sanmao once said that reading potentially affects our lives, in temperament, conversation, and boundless mind. Of course, it may also be revealed in life and writing. Reading is the most cost-effective investment.
Many people used to ask how to improve their connections! What are connections actually? It’s just simple communication and communication between people! How to have the same topic and how to enter other people's circles? Only by studying, improving your knowledge, and understanding more cultural knowledge, ability to analyze things, and ability to cultivate yourself can you squeeze into the circle of rich people!
And what are connections? Connections are money connections! The accumulation of connections is the shortcut to becoming rich!
3. Proper debt management
The rich take the initiative to take on debt, while the poor take on the debt passively!
There are many people who get rich overnight by speculating in real estate in China, and among these people Therefore, being able to buy a house is not about having so much money, but having the courage to see your future value, so make debt management investments to achieve millions or tens of millions of income or assets!
For example, the 56-day interest-free period for credit cards is given by the country to those who understand it and get rich first. When the rich discover this good thing, credit cards, they desperately want to apply for a few more and the larger the credit limit, the better. . And why do poor people always feel stuck? How do rich people make money with credit cards?
The secret for rich people to make money is: use debt to make money, use debt to make money! This secret is something that even the poor can’t think of, but today, you understand this secret. You are one of the very few who know this secret. People, you know the concepts of rich people and the secrets of rich people making money.
Therefore, if you want to become a rich man, you must immediately adjust your methods and ideas of making money. Proper debt management is a way to get rich.
4. The investment horizon should be long-term
Whether it is investment in real estate or real estate in China, it is always followed by swarms of swarms. It is not as stable as the foreign investment market. The reason is not the investment market itself, but Be our investors!
Take investing in stocks as an example. A large number of shareholders are moving the market with their own operations. Few people are optimistic about long-term investment in stocks themselves. Coupled with the impact of policies, domestic Stocks are always in and out. Many retail investors have also noticed that the frequent entry and exit of stocks has caused great losses to investors.
Everyone knows that stocks are currently at a trough. If you are optimistic about a stock, invest in it for the long term. The stock market reincarnates every six years. What we need to do is to position ourselves at the bottom to reap the benefits of the bull market, instead of waiting for the stock market to rise and then chase after it!
Currency issuance is a major trend. Convert currency into assets. Asset appreciation is an accelerator and the biggest differentiator of personal wealth. However, we must adhere to a long-term and long-term perspective instead of focusing on the short term. The short term is unknown. , is not important either.
Real estate investment will definitely increase in value in the long term. The world's currency issuance is there. As long as the city does not sink, this is a universal economic law for the development of the world's metropolises.
The so-called rich get richer and the strong get stronger. In fact, it means to lay out our asset allocation realistically and discover the investment horizon from a long-term perspective!