The so-called middle class is actually a relatively well-educated society. A group of people whose income from mental work is higher than that of ordinary workers.
But fundamentally speaking, the middle class is rewarded by selling its human capital. Once you stop working, there is no source of income, so the middle class is not enterprising.
There is an upper limit to the return of human capital. There are three main reasons. First of all, people need rest and time to take care of a family's life. It can't never sleep like money. ?
Second, it is difficult for human capital to make a profit by increasing the number of customers. If it serves this customer, it cannot serve another customer. Unlike companies that can increase production capacity through investment. ?
Third, it is impossible to increase income through unlimited price increases. Once the knowledge structure stops improving and other younger migrant workers learn skills, their wages will be reduced. ?
It is precisely because of these three reasons that the ceiling of human capital income has been brought. Let the middle class encounter the so-called middle-aged crisis sooner or later. If the income does not go up, there are still several traps that will gradually erode the little property of the middle class. ?
First, consumerism, such as: March 8th Queen's Day, 520, Chinese Valentine's Day, Christmas, Double1,6 18, New Year's Day and Spring Festival. Capitalists turn all possible days into consumption festivals and try their best to empty the pockets of the middle class. ? If the money is not enough, you can use the future money. Credit cards, flowers, loans, small loans and cash loans take turns. ?
The second is the speculative trap. P2P, digital currency, MLM, WeChat business, futures and Mark Six always have one for you? Yes, everyone wants to sell all his things to the next fool who bids higher, but in the end he becomes the last fool. The only way to make money is to be a banker. ?
The third is the investment of a narrow escape. Whether it is industrial investment, stock investment or real estate investment, there is much to be done. ?
Although these three fields can be positive sum games, we must master the correct methods. Choosing the right time and finding the right project requires patience. With a little luck, if you go the wrong way or find the wrong time, investment may turn into zero-sum game speculation at any time. ? If nothing is done, inflation will melt assets like an iceberg. ?
Fourth, unexpected troubles? Whether it is an accident, a serious illness or a public security problem, a well-off family may be destroyed in an instant. ? For example, middle-aged people in Beijing under the flu. Let a fund manager spend all his money in a month. We also need to find a suitable insurance transfer. ?
The middle class that escaped these four traps? Can be regarded as being able to master and control a small part of the means of production? Only in this way can we overcome the crisis of middle age and live a well-off life. ? Of course, if you want to go further, don't expect it, because if you can't get into that circle, just live your own life. ?
Therefore, the middle class can learn any game of industry, stock, real estate and investment, avoid the above traps, and teach children how to control this means of production. It is the top priority of children's education, which is countless more important than taking more exams or attending several training courses. ? Otherwise, why should graduates from famous schools pay rent to uncles and aunts who have never studied?