Is there anything wrong with financial management? Is compound interest wrong?
No, it's like soldiers using weapons to maintain world peace, but some people use weapons to commit crimes. Is this the fault of the weapon? No, the real right and wrong lies in the person who uses the weapon, not the weapon.
Financial management is like a weapon. No problem. What is wrong is some people's cognition and understanding of financial management.
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You manage the money, and the money will manage you?
In the eyes of many people, financial management is investment, and this is Qian Shengqian. People with a little investment awareness will regard financial management as realizing asset preservation and appreciation through investment. The so-called "you don't manage money, money ignores you" means that if you don't invest in financial management, your money will be less and less.
However, what is wealth? Why do you ignore it, and it will ignore you. Among many financial believers, we can be roughly divided into two categories: young people with no money and middle-aged people with money. So what mistakes did they make on the road of financial management?
When they were young, many people lacked social experience and income and longed for more wealth. After reading some financial management stories, I feel that even if my income is not high, I can make a lot of money through financial management. But ... it ignores the most critical question:
What was your real wealth when you were young? What is a real investment?
The answer is: yourself. Your learning ability, your vision space, your precious time and your healthy body. Not your meager monthly income and savings.
Unclear financial direction is the most common mistake young people make on the road of financial management.
The most important thing for young people to learn financial management is how to do their work in depth and detail, and how to control their time reasonably and orderly. Without savings and connections, going to work is the best deal in the world. If you can't even do a risk-free and relatively standardized job well, where is the confidence to fantasize that you can get rich through financial management?
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Rich middle-aged people, with primitive capital, are afraid that their present status will be diluted. Hearing all kinds of good financial management, my heart is complicated and tangled. They study hard all kinds of financial knowledge and investment skills. Under the influence of "you don't manage your money and ignore you", you have made a lot of investments, such as buying stocks, funds, P2P, and even speculating in peripheral gold and foreign exchange, with a leverage ratio of 100 times.
However, the results are not satisfactory, and more than 70% of shareholders are in a state of loss. What p2p, foreign exchange speculation, crude oil futures, original stocks, postal coins, and pit by pit, lost in the army, nothing.
Not only that, the water of all kinds of financial management is unfathomable, there are only a lot of scammers, and deception is endless. Many people reach out for financial management, and as a result, they lose their wives and lose their soldiers, so that once bitten, twice shy. They seem to have managed their money, but wealth is farther away from them.
What happened to these people? The fault lies in cognition.
You don't have to invest to make money. On the contrary, financial management, including learning financial knowledge, has a very important role, which is to let us learn to detect fraud and protect the principal. You know, successful people have another name: survivor.
Investment, like doctors and lawyers, is a very difficult subject. Not only need to learn enough financial knowledge, but also need years of practical experience. Graduate students majoring in finance have to study hard for many years to master it. It is totally unrealistic for ordinary people to get rich by financial management without accumulation.
Facts have told us many times that financial investment is either too low and useless, or it is a risky routine. It is unrealistic to rely on financial management once and for all. It is good enough to avoid the pit in financial management.
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"Then do we still need to learn financial management?"
Yes, of course, I have to learn financial management. This article is not to deny the value of financial management. What I want to tell you today is to correct your understanding of financial management.
Financial management is to manage your finances and debts, which is enough. Go deeper and make your wealth more efficient through cognitive wealth and self-discipline.
How to understand it? For example, if you are a young man, you should realize that you are the greatest wealth and ignore debt. So how to make wealth more efficient? That is, 90% of the time is spent on continuous learning, continuous improvement and valuable social interaction. It's not that you spend a lot of time on financial management and murder this efficiency. Should I take a class online or eat a meal for 200 yuan? Should I stay up all night playing the glory of the king or reading some books when I get home from work? Financial management is to let you know how to choose correctly when you are young.
If you have money or a little savings. Be able to plan your income and consumption scientifically and know where the money is spent. When you want to spend a lot, will you change your debt ratio and put your wealth at risk? Through self-discipline, control your own consumption desire and improve the quality of consumption. Protecting your existing wealth from losses is the best way to treat wealth efficiently at this age.
Financial management is not everything, and it is great to do the above. As for those who try to accumulate wealth through financial management or blindly emphasize Qian Shengqian, please wake up.
There is nothing wrong with being positive and eager for a happy life. There is nothing wrong with learning to manage money. But understand what real financial management is. Blindly believing that "you don't manage your money and ignore you" or "Qian Shengqian" will only harm you in the end.
Don't spend a lot of energy tossing for a long time, walking on the wrong road, and finally patting your thighs to understand that "financial management is the second plunder of the rich to the poor", which is fucking ironic and occasion.