Author: Yuan Chunnan

Link:/question/20874784/answer/46343623

Source: Zhihu.

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12 criteria for determining whether you are rich or poor.

1, self-awareness

Poor people: I seldom think about how to make money and how to make money. I think I should be like this all my life, and I don't believe anything will change.

Rich man: He is convinced in his bones that he was not born to be poor, but to be rich. He has a strong sense of making money, which is also his nature. He will try his best to make himself rich.

Step 2: Leisure

Poor people: watching TV at home, moved to tears by the plot of soap operas, imitating the fashion on TV to arm themselves.

Rich man: Running outside the market, even if you play golf, you won't forget to bring the engineering contract.

3. Social circle

Poor people: I like to go to poor relatives' houses. The circle of the poor is mostly poor and refuses to associate with the rich. Over time, the mentality has become the mentality of the poor, and thinking has become the thinking of the poor. This is the model of the poor. Everyone talks about discounted goods every day and exchanges saving skills. Although it is conducive to training for survival and profit, your vision will gradually be limited to such trivial matters, and your ambition will be worn away.

Step 4 study

Poor people: learn skills.

The rich: learning management

5. Time

Poor people: A person who enjoys plenty of time can't make a lot of money. If he wants to relax, he will lose more opportunities to make money. Poor people's time is worthless, sometimes even redundant. They don't know how to spend it, so they won't feel bored. If you can be angry because you spent a penny more on a catty of cabbage, but you won't feel sad because you wasted a day, this is a typical poor thinking.

Rich people: no matter how much money a person makes, no matter how much he earns, it will take time to accumulate. The game of the rich is also a purposeful way of working. Rich people are in leisure, cultivate one's morality and cultivate one's character, and their heads are not idle for a moment. The leisure of a poor man lies in his thoughts. He is busy with his hands and feet and touching more mahjong tables.

6. Sense of belonging

Poor man: It's a screw. The poor think that they are from humble origins, but they feel insecure, so they are eager to be subordinate to and dependent on a group, so they take the standards of this group as their own standards, so that everything conforms to the norms, work for the interests of the group, run around, and even migrate. For the poor, it is simply an impossible ideal to work steadily in a famous enterprise for decades, and the interns have been working until the executives.

Rich people: The leaders of those groups are usually rich people. On the one hand, they always instill in the poor that unity is strength. If you don't belong to your own group, you are nothing but a poor man. On the other hand, they never stop recruiting and training new people so that you can be replaced at any time.

7. Investment and financial management

Poor people: The viewpoint of economics is that using less equals earning more, such as opening noodle shops. The yield is 100%. Investing 20 thousand yuan and making a net profit of 20 thousand yuan a year is very good for the poor. Even if the poor have money, they are unwilling to give it out. Even if you finally make up your mind to invest, you are not willing to take risks. In the end, they will not be able to take this step. What the poor say most is that chickens lay eggs, and eggs lay chickens, which is profitable ... but the hope built on a hen is so fragile after all.

Rich people: the starting point of rich people is to make money. Similarly, rich people will think that a noodle restaurant only brings 20 thousand yuan. If there is 1 100 million, wouldn't it be necessary to open 5000 noodle restaurants? To manage one by one, how much thought does the big boss have to spend and how many hairs are tired? It is better to invest in hotels. A hotel is enough to digest all the capital. Even if the rate of return is only 20%, there will be a profit of 20 million a year.

8. Passion: Whether you can achieve something depends first on whether you have passion.

Poor people: no passion. He is always step by step, it is difficult to make big mistakes and he will never do his best. Without passion, you can't get excited or devote yourself to your work. Most poor people can't say that they have no passion. Seeing that his passion is always consumed in too specific things: when the boss praises him, he is excited; He will be excited when the store has a discount; The second time he died on TV, his tears flowed down. The poor have only one emotion.

Rich man: "Do swallows know the ambition of swans?" "Princes will work together. Would you rather have seeds? " With such passion, the poor will not be poor! Passion is a kind of nature and a symbol of vitality. With passion, you can have a spark of inspiration, a distinctive personality, a strong appeal in interpersonal relationships, and the courage and methods to solve problems.

9. Confidence

Poor people: the self-confidence of the poor needs to be armed to the teeth. Only by wearing high-end brand names and luxurious configurations can they be given more self-confidence. The self-confidence of the poor is often not heartfelt and natural.

Rich man: When talking about his business secrets, Li Ka-shing said, "Actually, nothing special. When things are good, you should never be overly optimistic; When times are bad, we shouldn't be too pessimistic. In fact, it is a kind of self-confidence unique to the rich. Self-confidence is not affected by external forces, and self-confidence can make the right decision.

10, habit

Poor man: There is a story that a rich man gave the poor man a cow. The poor began to struggle in hope. But cows have to eat grass and people have to eat. Life is sad. So the poor sold the cows, bought some sheep, ate one, and used the rest to give birth to lambs. But the lamb was not born, and life was hard. The poor sold the sheep and bought them into chickens, hoping that the chickens would lay eggs to make a living, but the days have not changed. Finally, the poor killed the chicken, and the ideal completely collapsed. This is the habit of the poor.

Rich man: According to an investment expert, the secret of the rich man's success is: when you have no money, no matter how difficult it is, don't invest and save. Stress will help you find new ways to make money and pay bills. This is a good habit. Character determines habit, and habit determines success.

1 1, surfing the internet

Poor people: online chat, poor people chat, first, the poor people have more time, and second, the poor people's mouths are naturally busy. Rich people pay attention to honor and disgrace, and are gentle and honest. It's called self-cultivation. Only by self-cultivation can they count on their roots. The poor don't care so much. They are always looked down upon by others and beset by trivial matters. How cowardly? Chatting makes sense!

Rich people: look for investment opportunities online. When the rich surf the Internet, they mostly use the low cost and high efficiency of the Internet to find more investment opportunities and projects and apply convenience to their own businesses.

12, spend money on consumption

Poor people: I buy famous brands to experience satisfaction, and I like to try new fashionable products. I believe that expensive products must be good.

Rich people: They buy famous brands to save time in choosing details. They care more about the quality of products than the price of consumer goods. For example, they will buy 15 yuan pure cotton T-shirts, not expensive Lycra products.

Six laws make you rich.

The reason why most people always have an insurmountable gap with money is because they don't know the activity ability of money. Money, like people, is alive. Every dollar is one of your employees. Your goal is to make your employees work hard. Over time, employees will become stronger and more efficient. They will help you make more money. When you have accumulated a certain amount of wealth, you can enjoy the retirement of the chairman as soon as possible. Here are six laws about wealth. Maybe you can get the master key to open the door of wealth.

The first is to understand the power of small money.

Many people often tell me that if you want to invest, you just have no money. In fact, their misunderstanding is that many people think that investment needs a large sum of money to start, and there is always the psychology that I am not well off for the time being. They think it is meaningless to invest at least 10 thousand yuan at a time. But the money of the rich is also saved from 1 yuan, and financial freedom cannot be achieved in one day. Mrs. Wang, my neighbor, washed dishes in the restaurant when she first arrived in America. She collected all kinds of discarded bottles and then sold them for money. She never gives up anything that looks worthless. Now her assets have exceeded10 million, and all her savings started with small investments. I'm not suggesting that everyone should be so simple, but this experience is valuable. Don't neglect to start with small money.

Article 2 Preparation for financial freedom

Every dollar you save now is a solid foundation for your future financial freedom. Saving money is the same, so is spending money. 20 yuan and 40 yuan may be different at once, but after a long time, the difference between the rich and the poor is very big. Money always works for you. The more money you have, the more efficient you are and the more substantial your income will be. With this money, you can stay at home with your children, enjoy retirement and travel around the world without having to work for others. If you currently have a source of income, you will accumulate wealth from today, maybe only 5 yuan and 10 yuan at a time, but every insignificant accumulation will become the cornerstone of your road to financial freedom.

Article 3 Plan your future.

A few years ago, a friend of mine told me that she didn't want to invest in stocks because she didn't want to wait 10 years to become a rich woman, and she wanted to enjoy her present life. The disadvantage of this idea is that she still has a good chance of being alive after 10 years. At that time, the question she will face is whether she will live better than now. Your present life state is determined by the investment you made in the past, so you might as well prepare for your future at this moment!

Article 4 Buy the company's shares, not the company's products.

Some people are always asking why they can't save money. They always feel that the money has been spent, but they can't see any return. There is a simple reason. I suggest that they can stop buying the products sold by the company and start buying the company itself. An American survey of the rich (with an annual income of 225,000 or assets of 3 million) shows that the rich will invest or save about 30% of their total income. This may not make them rich, but it is the reason why they become rich. When you reluctantly change your consumption habits and get rid of the bondage of being a slave to money, you are included in the ranks of the rich. So, either change painfully or satisfy the status quo.

Fifth, more money is not the key.

No amount of money can solve your problem. Money is also a magnifying glass, which can reflect some very realistic habits. If you want to be a millionaire, if your job only gives you an annual salary of 6.5438+0.8 million, the worst plan is that you need to find six jobs at the same time, and you can get rid of it when you earn 6.5438+0.8 million. But there are still many people who earn 6.5438+0 million a year. They have only one salary, but they keep receiving checks.

The difference between the two is that the wise man does not look at the thickness of the passbook, but at how to make the money in it work efficiently.

Sixth, don't go the way of your parents unless they are rich.

A person with a low IQ is defined as doing the same thing over and over again, but expecting different results. If you don't want to work as hard as your parents and stay poor, don't live their lives. You should emancipate yourself from the thoughts of their generation and have a new understanding and control of finance. In order to realize the financial freedom and success that your parents never realized but dreamed of, you need to do two things. First, strictly control your own debts. Before you make any investment, shouldn't you use this money to pay off your debts? Second, putting investment and financial management in an important position in life forever depends on your perseverance. As an individual, whether you need cash income or long-term stock appreciation, successful entity investment is also the key to making you rich. Take some money to start a small business and gradually build your career, so as to get long-term return on investment and considerable prospects.