People around us often treat financial freedom with two kinds of mentality: the first kind of mentality is to dream of falling pie in the sky, winning the grand prize and realizing financial freedom in one step. The second mentality is to speculate in stocks, because only in the stock market can there be a legend that 8000 yuan starts to earn10 billion. Why do China people like stock trading? This is probably the only investment that China people can make their own decisions.
Others won the prize to achieve financial freedom. Some people started from 8000 yuan to10 billion. But the probability is similar to that of you being hit by a meteorite. Of course, if you are so lucky, I want to bless you. However, 99.99% people are unlikely to achieve financial freedom through these two channels.
There is also a way to realize financial freedom by ability, strength and opportunity, that is, starting a business or being a professional manager. In previous times, after decades of struggle, you may become a rich man. In the first twenty years, you can become a nouveau riche by building coal mines or land. Now is the Internet age, and some young people in their twenties and thirties can achieve the value of 1000 billion in just a few years. The logic of this era has changed, making too many people dream of financial freedom.
Ok, let's get down to business. For 99.99999% people, the above three ways to realize financial freedom are not feasible. So, for ordinary people, how to achieve financial freedom?
In my opinion, the best, safest and most likely way is to be a friend of time, a friend of compound interest, get rich slowly, and realize financial freedom in middle age. This financial freedom has many meanings, some are complete money freedom, some are freedom in a certain aspect, and some are financial freedom even if you can't make ends meet.
So, how many kinds of financial freedom are there? No technical terms here, in the words of ordinary people.
First of all, the income is three times greater than the expenditure, and the disposable income basically meets one's own desire for life. Many experts comfort the people, which is financial freedom.
The second is that passive income covers living expenses. Wages and labor income are positive income. Money that does not need to be paid for financial management, investment, renting, etc. It is passive income. Active income need not be moved, and passive income can meet the living expenses.
The third is the standard of all kinds of freedom, which is divided into nine levels, from the freedom of buying food in supermarkets, the freedom of cherries and restaurants, to the freedom of nationality. This kind of comfort is also good, after all, most people can't achieve real freedom, just step by step. Reach the first level and calculate the first level.
The fourth is real financial freedom, that is, being able to make any consumption without worrying about money; You can use money to solve any risk, such as getting seriously ill, and the treatment will not be affected by money problems.
Then this kind of freedom, in a first-tier city like Beijing, some experts have given a financial freedom standard of 360 million yuan. I still agree with this standard of financial freedom, that is, there will be problems in life that cannot be solved because of money.
True financial freedom has no upper limit, but it can have a bottom line. For example, in Beijing, experts gave a financial freedom standard of 360 million yuan. This is a static indicator. It should be said that it is quite reliable at this stage.
There are a thousand hamlets in the eyes of a thousand audiences. One thousand people have one thousand standards of financial freedom.
For example, I personally think that it takes about 600 million yuan for Beijing to achieve real and complete financial freedom.
Specific decomposition:
1。 Housing. A set of single-family villas within the Sixth Ring Road costs about 1 100 million for purchase, decoration and furniture. If you live to be 90 years old and live for 40 years, you will spend 6.5438+0 million soft expenses a year, such as property, water and electricity, basic catering living expenses, nanny, etc., and 40 years will be 40 million. 1.400 million yuan.
2。 There are at least three suites in the city. A set of self-occupation, a set of children, a set of parents, each set of 20 million, high-end residential quarters. * * * Sixty million yuan. The above property is 200 million yuan.
3。 The annual expenditure on education is 6.5438+0 million, and the children are 22 years old and 22 million. Two children is 44 million yuan. Including kindergarten to rattan school in the United States.
4。 Vehicle expenses, three cars at home. There are 3 million commercial vehicles, 6.5438+0 million family vehicles and 500,000 nanny vehicles. The cost is 6,543,800 yuan per year and 40 million yuan in 40 years. It is not an exaggeration to change trains five times in the middle and once every eight years. 4.5 million times 8 equals 46 million yuan. The cost of vehicles and maintenance is 86 million yuan in 40 years.
5。 Clothing, banquets, entertainment and other consumption, financial freedom, dressing, eating high-grade bar. 65,438+10,000 yuan a month is the base, and at least 1.2 million yuan a year can't buy the best Hermes. 40 years, 48 million.
6。 Tourism culture. How many holidays a year, how many times do you travel around the world in 40 years? Don't talk about money-burning games such as Antarctic and Arctic exploration, deep-sea diving and mountain climbing, just say it's a luxury tour like Maldives. Five-star hotels and Michelin restaurants can't get 2 million a year, and 80 million in 40 years.
7。 Medical care. One person100000, four old people, four people, eight people, then at least 80 million risk funds should be reserved.
8。 The above is about 560 million yuan, and the other payment budget is 65.438+0 million yuan a year, 40 million yuan in 40 years and 600 million yuan.
This is the standard of living and financial freedom in Beijing in my eyes, but 99.9999% of people can't reach it.
Therefore, the pursuit of absolute financial freedom is an unattainable thing.
Then, we ordinary people should strive to reach the standard that suits us best.
How to achieve it?
All roads lead to Rome. However, I think there is a more reliable way. Passive income covers high-end consumption and life is easy. The following suggestions are for reference only:
1。 Keep the work progress, get promoted and raised, and keep the annual salary increasing. Maintain monthly cash flow. If the annual salary is 40 years, it will be 500,000 per year. Earn 40 thousand a month. Couples can earn 60 thousand a month.
2。 Develop your own sideline business, such as self-media, online classes, live broadcast, short video, WeChat business, e-commerce and so on. Let your "after-sleep income" outperform your active income (salary, annual salary, labor income). Income after sleep means that you will continue to bring you income after you put in your energy in the early stage. For example, royalties, as long as someone prints a song and someone listens, you have to pay. For example, after the online course is recorded and uploaded, there is no need to work hard. As long as someone downloads it, they have to pay.
3。 After sleep, the income is better than the current self-media and online classes, columns and online articles. Zero cost, zero investment and zero risk. Income is increasing, as long as there is money, it is accumulation. If you are lucky and achieve a fission growth, an online class and a column will continue to bring you a lifetime income. Some online novels can bring hundreds of millions of dollars in continuous income.
4。 Passive income. Financial management, investment, renting and other more reliable ways. If you have enough economic strength, you can buy real estate in high-quality lots in first-tier cities. If you can use low-interest loans, you must use them. On the one hand, let real estate preserve and increase value for you, and outperform inflation; On the one hand, rental income brings you stable and continuous cash flow, which makes you feel at ease.
What about real estate? It is best to have three properties in first-tier cities, one for self-occupation and two for rent, with a monthly rental income of at least 6,543,800 yuan to 20,000 yuan. It can cover the general consumption expenditure of sexual life and meet two or three domestic and foreign trips a year.
Financial management includes long-term deposits, money funds, gold, bonds, trust investments and other financial management with stable income, although not high, but relatively safe.
What about financial management? As a traditional China people, they have certain financial management methods, such as deposits, bonds, trust and investment, not for the sake of high income, but for the sake of covering the bottom and giving their minds a certain guarantee. If the monthly income of husband and wife is 60,000, at least 1 10,000 should be used as the bottom financial management. One is to obtain the income of stable compound interest growth, and the other is to guard against major risks, such as diseases, traffic accidents and other risks that need cash urgently. I think there should be 2 million to 6.5438+million yuan of financial management as the bottom. Be a friend of time and a friend of compound interest. You keep saving. When you reach middle age, the growth of compound interest may turn your wealth into tens of millions.
Investment, including stocks, equity, venture capital, calligraphy and painting, antiques, futures, radical funds, etc. , high risk and high return. Most people don't play high-risk investment.
It is suggested to insist on investing in index funds, be friends of time and get rich slowly. If the husband and wife earn 60,000 yuan a month, if the sideline income exceeds the main income, then most of the money must be invested in index funds. As for how to combine, this is a science, and even index funds can be allocated globally.
Judging from the century-old history of global stock market, index funds have continued to rise, with an annualized rate exceeding 12%. At this rate, your wealth will double in six or seven years. Snowballs are getting bigger and bigger. When people reach middle age, your wealth may reach tens of millions of yuan. This is the magic of time, the magic of compound interest.
So it is also possible for us ordinary people to achieve financial freedom. If you are in a first-tier city with three suites, millions of deposits and tens of millions of index funds, you can enjoy the magic of compound interest growth every year, and the annual interest and dividends are enough to cover your high-end living expenses. If you have a sideline that can generate after-school income. Then, you have truly achieved financial freedom, time freedom and energy freedom. You can travel around the world, on luxury cruise ships and in warm sleep, so that your wealth will continue to grow and be carefree.
How to realize this dream? In fact, it is not far away, but also feasible, as long as you stick to it and use time to prove it.