This question is about a person’s outlook and mentality. Let me talk about my personal views:

First, not everyone is born rich and in debt! Everyone's life and life choices are different. If they are all in debt, some people may be decadent and lose confidence, but some people will be full of confidence and feel at ease? Just imagine if there is a crisis or difficulty, you will be depressed all day long or lose your temper at every turn. If you have another person who has a good attitude and loves to laugh, which one would the average person choose? I believe the answer must be the second one, because people who love to laugh make people feel more comfortable. Even if they are in trouble or in debt, they will not show it in their expressions. This way they can get closer to each other, while people with a sad face are more likely to give in to those around them. It causes psychological pressure and makes people wonder if they have offended you somewhere or if they said something wrong.

Second, you should maintain a good attitude even if you are in debt. People with a positive attitude and no pressure will handle it well even if they encounter difficulties. They will not be negative or shrink back, while a person who is not positive often escapes In reality, people like to blame others, frown all day long, put things off again and again, and don’t necessarily want to deal with them when they become problems. This kind of person feels decadent and sloppy, without any energy!

Third, even if they are in debt, people with a relaxed and optimistic attitude can easily bring warmth to the people around them. They believe that in life, there is always more sunshine than darkness, and more happiness than pain. There is no threshold that cannot be crossed and no difficulty that cannot be solved. Although it may not necessarily have a particularly good effect, it is still much better than the psychological shadow of some negative attitudes!

Generally speaking, an optimistic attitude and a relaxed life have always been good qualities. Although it is impossible to be satisfactory everywhere in life, an optimistic, relaxed and stress-free life makes people maintain With a fresh mind, you can overcome difficulties at any time. You have to believe that people with an optimistic attitude will definitely live a much better life than negative people. The world has always been illuminated by optimistic people, and negative people still hide in the corners. Here, waiting for optimistic people to illuminate them. What do you think about this issue?

It’s so hard to recover after a setback, why not persevere? With a positive attitude, work and work are all in the right direction, and only you can make your own way

Some people say that smart people get rich by borrowing money, and fools get rich by saving money. In reality, many big bosses borrow large amounts of money, some tens of millions, some hundreds of millions, but why do these people still live so freely? Do richer people borrow more?

Regarding this issue, it is indeed a common phenomenon in social life, but there are also many misunderstandings in it.

First of all, corporate borrowing is a normal phenomenon of corporate development

Borrowing is a normal phenomenon of corporate development, and there is nothing to make a fuss about. Few companies can develop entirely with their own funds, especially those that want to expand their business scale. It is a normal way and means to achieve scale development through borrowing. Different industries have different debt ratio standards, but generally Generally speaking, it is normal for a normal corporate debt ratio to be 60%. For some companies, such as construction and installation companies, the debt ratio of the entire industry reaches more than 90%. Therefore, in the process of enterprise development, it is a very important way to achieve better development through borrowing.

Nowadays, there are many people with hundreds of thousands or millions of debts. The most common ones are home loans or car loans. If you live in a first-tier city, a 100-square-meter house generally costs several million yuan. Most people have to bear millions of dollars in debt after paying the down payment. As for how everyone lives after the debt, some people live a life worse than death, and some people still live a comfortable life. Why is there such a gap? Today we are going to talk about why some people commit suicide after "debting hundreds of thousands", while others are still laughing and joking despite being in debt of hundreds of thousands? Let’s find out together next! Nowadays, many people have hundreds of thousands or millions of dollars in debt. The most common ones are home loans or car loans. If you live in a first-tier city, a 100-square-meter house generally costs several million yuan. After paying the down payment, you have to bear most of it. With millions of dollars in debt, as for how everyone lives after being in debt, some people live a life worse than death, while some people still live a comfortable life.

Why is there such a gap? Today we are going to talk about why some people commit suicide after "debting hundreds of thousands", while others are still laughing and joking despite being in debt of hundreds of thousands? Let’s find out together next!

In fact, the debt issue is a very special issue. The amount of debt and the amount of debt one can bear relate to a person's debt capacity, debt risk tolerance and debt responsibility capacity. To put it bluntly, the situation is different. People who owe hundreds of thousands have debts to pay. People who owe tens of millions or billions not only have no one to pay debts to, they also have a lot of money. Naturally, they can live a comfortable life! This is his confidence. Moreover, people who can owe billions in debt are by no means ordinary people. Otherwise, he would not be able to borrow billions. They are originally influential figures in society and have extensive connections in society. Even if they are down and out, they are still like "a hundred-footed insect that is dead but not dead". Resources can actually be circulated, and resources are social. Therefore, The liabilities you see may be his resources tomorrow, or his capital, which is not the same concept as the hundreds of thousands mentioned earlier.

Moreover, in their eyes, money is just a number, and they will think about how to change and solve the problems they face. How to find life. Instead of complaining and blaming yourself all day long. The person who commits suicide with a debt of 300,000 is in a different situation.

Obviously, the 300,000 yuan has drained his resources, and even his wife left him because of it. For example, those gamblers, who are just street rats in the eyes of their relatives and friends, lament what happened. So, if your debt is within the repayment range of your income, let alone hundreds of thousands or millions, you can still live comfortably even if your debt is hundreds of billions; therefore, it still depends on how much you can do and how much salary you have. Just spend as much as you want. When you have a tight schedule, save some money, and when you have plenty of time, buy something to eat and treat yourself. Ordinary people should just do what they can.

It’s more about helplessness.

I personally have different views on debt. For example, myself, I used to have very high debts, with credit cards as high as 3 million, but now I have paid them off. , I also relied on credit cards, worked as a credit card machine, made a million a year, and bought a house in Shenzhen, but the whole process took me more than ten years, and the sadness in it is beyond words. So I actually lived a good life during the entire ten years of debt. It was very painful. Things started to turn around in 2014. The credit card machine business caught up with the trend. In 2015, the housing prices in Shenzhen caught up with the rise. In 2016, the credit card machine business was on the right track. Before 2014, my life was relatively difficult. Before 2014, my annual income was only about 150,000 to 300,000 a year at most, and it was very unstable. I spent a lot of money on credit cards for a long time, and I needed to pay off many credit cards, but I knew I had to have funds when the opportunity came. When I turn over, I will definitely need funds, and I will rely on credit cards, because credit cards are unsecured and unsecured. I had nothing at that time, just social security, and I couldn’t get a loan. What can I do? I can only rely on credit cards, and credit cards are the best financing. The worst way to get financing, so I spent a lot of money to study credit cards, spent a lot of energy on research, spent money in major shopping malls, spent money abroad, and kept applying for cards. I should have applied for cards no less than 200 times, because I didn’t have much financial resources at the time, so I relied on my own research to apply for a credit card. I kept trying to increase the credit limit. I knew that I couldn’t do anything without funds. As you can see, all the people with debts had an easy life just because You just didn't see those hard days.

Liabilities need to be divided into benign liabilities and malignant liabilities.

Benign liabilities

In fact, you can regard some liabilities as a kind of financing, especially Low-interest liabilities, if you have high-quality assets, such as real estate, shares of potential companies, and some liabilities, and the interest rates are relatively low, they can be regarded as benign liabilities, and they are worthy of being supported by liabilities. These high-quality assets It has the function of maintaining and increasing value, and there is room for appreciation in the foreseeable future, which can offset liabilities. When owning high-quality assets, especially if the assets have not appreciated in value, you need to pay attention to keeping the funds at low interest and low costs. I personally think Credit cards are a great low-cost form of financing.

Credit card online loans

Everyone knows that in recent years, there have been too many people who owe credit card online loans and have not repaid them, because credit cards and online loans are unsecured and unsecured. It is very easy to apply, so whether the borrower has the ability to repay is a question. However, these people who owe money blame all the blame on credit card online loans. After all, all financing revolves around one word: people. Talent is The core is insufficient grasp of funds, careless investment, insufficient financing ability, excessive spending, insufficient knowledge of online loans, lack of understanding of how to use credit cards and being dragged down by interest rates, etc.,, there are many reasons, in the final analysis, they are all people's fault. Problems of perception of things.

For example, someone recently asked someone on the Internet that they owed 70,000 on a credit card and 70,000 on an online loan. They already felt that they owed a lot. Such people generally have very poor financing capabilities. Many people who invest in business , it’s not because of poor business, but because you really can’t afford it. Some people don’t lack opportunities, but lack of funds. No matter how many opportunities are put in front of you, what’s the use? It’s still the same. If you can’t seize the opportunity, think about it. How many people fail to seize the opportunity because of lack of funds. The opportunity is clearly in front of them, but they have no way to seize it. Do you think this is a lifelong regret?

How can you survive if you are in debt and have pressure? What about ease and stress-free? It's just that some people turn this pressure into motivation and don't have time to immerse themselves in debt. Every day when we open our eyes, we think about how to make money to pay off debt, how to get rid of debt, and not let ourselves be idle. Once you are free, all kinds of debts are in your mind, and people will be panicked, which will only make people more uncomfortable. It’s all debt anyway, so why not think more about ways to solve the problem? As sales elites say, don’t think too much, just work hard. Through continuous efforts, you may have landed unknowingly.

In the end, debt is stressful, but you must learn to work hard to solve it and turn the pressure of debt into the pressure of making money!

Although you are in debt, you must have a positive attitude

Let me tell you my own point of view:

It is impossible to say that it is easy and stress-free. ! It's just superficial. It depends on your attitude towards debt. One type is the so-called Lao Lai. There is a saying, "If you have a lot of debt, you won't have to worry about it. If you have a lot of lice, you won't be itchy." Anyway, if you owe 1,000, you still owe, if you owe 10,000, you still owe. If you don't look for a job to make money, you just hang around every day, and that's it.

The other way is to change your past mistakes and work hard to make money with a positive attitude. You must make real efforts to use your own efforts to earn more money, and then save more money to pay off these debts as soon as possible.

I used to have more than 300,000 yuan in debt through online loans and credit cards. It was a difficult time. I was decadent for more than half a year. I could only face reality, put down my dignity and go out to make money. I paid off the debt in about 3 years. I canceled all my credit cards and it feels really good to be debt-free!

Reduce desire Desire is the source of consumption. Desire will stimulate your desire to consume. Because if you think more, you will be more eager to get more, and of course you will owe more. You may never be able to repay your debt.

Work hard and control your desires, and I hope to encourage you all!

The focus of this topic lies in the mentality of the parties involved.

In today's society, everyone is in debt, but when you walk on the road, you can't tell whether there are waves in everyone's heart. In fact, the change in mentality after debt does not depend on the amount of debt. In my opinion, it lies in how powerful the person's heart is.

There may be some old people who cannot appreciate the pain of making money and the satisfaction of receiving rewards after hard work. If you have no money, just reach out and it is so relaxing and comfortable. Such a person will not care what outsiders say, of course he will be relaxed and stress-free. There are many types of situations similar to this. The other kind is the person I am trying to become, that is, swallowing the pain in my stomach and giving everyone the feeling of positive energy, debt is not terrible, and there is a chance to turn around when people are around.

Don’t blindly look at other people’s well-dressed clothes. In fact, you don’t know how much they have paid behind the scenes. Don’t release your negative energy in front of everyone. Everyone has their own way to resolve it. No matter what you experienced last night, when you get up every morning, you must welcome a wonderful new life and let everyone see you as a positive person. No one is having trouble, but most people are still working hard to move forward.