He, who is only 23 years old this year, has just graduated from college and already has assets of 65,438+10,000. Banban asked him the secret of saving money, and he also told Banban.
He didn't study hard in high school and went to a junior college. I always wanted to go to college because I was unwilling. Later, he studied hard and got a national scholarship every year. Four years later, more than 30 thousand.
At the beginning of each semester, he and his roommate will resell daily necessities and sell telephone cards until he organizes himself into a team. In his junior year, he also contracted the transportation of materials from surrounding schools to earn the difference.
I usually work in KFC to make money. In this way, when he just graduated, he already had 65438+ ten thousand yuan.
Ban Ban admires and envies this little friend. In fact, like most of us, he has no prominent family background or proud academic background, but an indomitable heart. Ban Ban believes that after learning to invest, he will save money faster until he realizes financial freedom.
In fact, there are still a few small cases around, but the following lesson introduces you to a real financial god who made a fortune!
The financial management of "financial fans"
Our hero is an ordinary person, let's call him a "money addict"! Ordinary family background, ordinary school, ordinary job, and money addiction, just like each of us, but through 10 years, we achieved the goal of10 million.
Now, let's see how he became a millionaire step by step.
When we occasionally hear that someone suddenly has a lot of money, it is inevitable to associate money with luck. When we can really walk into a person's life to observe, we will actually find that some people's opportunities are not just accidental. Even if the pie really falls from the sky, we need to stand in the right place and have the right container to receive it.
Our hero Cai Fan is just an ordinary undergraduate accounting graduate. His school is not bad, but it is not top-notch. His parents are ordinary working-class people, and they have their own house. When they were employed, their parents had no reliable relationship. So after graduation, I went home to send my resume to find an ordinary enterprise, be an ordinary accountant, get an ordinary salary, usually fall in love and get married. If it weren't for my good friend, it's hard to imagine who else would dig out something worth talking about in such an ordinary role around him.
However, it is precisely because of ordinary wealth fans that I feel I should write something. After all, these ordinary people around me are the absolute majority. May not be so talented, may not be able to maintain a "chicken blood" excited working state every day, and may not be one of the ordinary people who have encountered professional adventures.
Target: 1 10,000
As a good friend, as far as I know, people who love money always have a goal in mind: earn 10 years after graduation 10 million.
Actually, I've always wanted to ask why it's 10, not five years, not three years. Why is it 1 10,000, not 500,000, not 2 million? Why is there such a specific goal? However, compared with these problems, I feel more that, not to mention the student days, even after working for a few years, few people plan their own finances and regard financial management goals as the phased goals of life.
Stock trading and saving money for stock trading
But it is not accurate to say that financial fans are trading stocks, because I have loved stocks since I was a child and accumulated knowledge in advance. In my opinion, the investment level of financial fans in stocks was not so good. What he said is not as good as mine, mainly technical terms and various investment speculation theories. He doesn't know as much as me. Unlike me, he usually spends a lot of time studying stocks and various technical theories.
But he had a great influence on me in other ways, and then I realized with shame that his wisdom in "making money" really far exceeded mine.
This influence is mainly due to the understanding of savings and savings management.
When I was a freshman, he and I went to the library to borrow books. He pointed to the rich dad series and said, "Have you read this book? Very good, I plan to earn 1 10,000 before the age of 33. " This is the first time I have found such a person, who seems to have the same smell as me. It should also be the first time that I vaguely felt that the money addict had such a stage goal of 1 10,000, and many of the books he read, said and did later greatly influenced my thoughts.
In fact, he started doing this at school. The money-obsessed family lives in the relatively rich south, and their monthly living expenses are 1500. Although this figure is not much, in our northern schools, it can be regarded as an upper-middle-class living standard, which is completely enough to spend. So he has the material conditions to put forward one of his eccentricities. He limited himself to spend only 1000 yuan a month and enjoyed it. He saves that 500 yuan every month, which is more than 2000 a semester, and then buys a stock every semester. As for the specific stocks to buy, he often asks me for advice, and I am particularly willing to discuss my views on individual stocks with him. After all, stock trading is really a very lonely thing.
From my current point of view, this financial fan is not so much speculating in stocks as treating his stock account as his piggy bank and saving by fixed investment.
Later, with the relationship getting better and better, I realized more and more that money addiction is a thoughtful and interesting person.
Money addicts are good at saving money and always give people a feeling of enjoying it. It is important that his saving process does not give people a feeling of being stingy or losing face. If he hadn't often asked me what stock to buy, I knew his little quirk, which would be hard for outsiders to see. When something good happens, he will also invite his brothers to dinner. His usual living conditions are similar to those of others. He eats snacks and buys fruit. But he seems to be able to find something with high cost performance inadvertently in his life, and he is good at living within his means.
When other students asked their parents for money to buy more than 4,000 laptops, the money addict spent four whole days buying a computer with good appearance and performance from the flea market, and they also gave him a chair. After all, many local tyrants are eager to leave school and don't care about a few pennies. What is even more hateful is that his second-hand 800 sold for 400 three years later.
The computer thing is just an example. There should be many similar things in him, and the thinking habit of pursuing discounts, cost performance and pragmatism in life actually helped him a lot in his later investment.
Before I was addicted to money, I seldom realized the matter of "saving money" because I was used to spending it as my parents wanted from an early age. Although I won't form the bad habit of spending money lavishly and wasting my life, I really don't know where all the money has gone, and I can't form the habit of saving money. After all, it is easy to spend more than 200 yuan a month and less than 200 yuan, just like a fat man and a thin man, which may be the gap between eating more and eating less every day.
"subprime mortgage crisis"
People who don't save money sometimes do have a strange estrangement and an incomprehensible feeling towards those who save money. At that time, it was hard for me to understand that this money-hungry man deducted 500 yuan from his living expenses every month, and only 2000 yuan for a whole semester. It seems that a school year is less than 5000 yuan. He also enjoyed it. What does he want and how useful is it?
At that time, I was young and energetic, and many people who just learned to stock market were moving towards the goal of annualized income of more than 20%. In particular, I joined the "price investment religion" early, and naturally I can't please this "beautiful vision". At that time, I always held an idea that now seems to be a "fantasy": if I spend more than 20% per year, with the 20,000 start-up funds funded by my parents before entering school, I can become 50,000 after graduation. For me at that time, 50,000 was definitely a figure to show off.
Later, the subprime mortgage crisis has been fermenting. In the process of Shanghai Composite Index dropping from 6000 to 3000 and then to 1600, my stock account lost more than 70%. My dad gave me 20,000, and in 2008 he had the cheek to ask for 5,000 copies. At the lowest time, I remember that there was only 8000 market value left. This is the first slap the market gave me. However, people always remember selectively. Later, I completely forgot the fantasy of changing from 20,000 to 50,000 when I first entered the market in 2004, but I still completely ignored the reality and felt that it was a great luck to encounter the once-in-a-century economic crisis. After learning the lesson, I feel that I can still have 20% investment ability in the future.
Because the money addict's stock is highly similar to mine, it is reasonable to say that the degree of loss should be similar, but seeing his good mentality at that time, I began to vaguely realize for the first time that even if there was only a monthly income flow from 500 yuan, it would have a great impact on my mentality at this time, which later became the biggest gain in this experience.
In many people's minds, such as me, the understanding of investment, especially stock trading, is still 20% per year, doubling in four years, quadrupling in eight years, and eightfold in 12. But what about the facts? Perhaps in eight years, only two months are the most important, and these two months alone have contributed most of the income in eight years, but we simply don't know when these two months will appear. More often, the market is either falling or consolidating. In such a market, the 2,000 yuan you can get every six months and the 5,000 yuan you can get every year are more important than the 20,000 yuan you can get at the beginning.
The money fan later told me that for someone who simply needs to save money like him (in the early days of wealth accumulation), he only regarded the stock market as a "piggy bank". If you don't take the stock market as a tool to make a fortune, then the way to invest in the stock market is really very qualified, and it can even be said that it is the best in most "savings containers". In the process of long-term decline or consolidation of the stock market, investors will not lose too much, but they will not lose the opportunity to get rich in eight years and two months, which banks do not have when they buy wealth management.
Many years later, 20 15, it was with this idea that this financial fan, after persisting in accumulating for several years, seized a long-awaited financial leap.
The importance of making money and saving money
My first stock account never recovered. Even after 4 trillion yuan in 2009, the market value does not seem to have returned to the level of entering the stock market, not to mention the long decline after the market recovered from 20 10. However, at that time, the financial fanatic seemed confident, because he would still communicate with me from time to time. At that time, we all knew that this crisis and this year's plunge were a great opportunity in the long run.
The difference is that I have to choose to die, and money addicts always seem to "change" money from life.
As far as I know, the group of "student gangs" joined by financial fans not only sell bedding, but also sell second-hand teaching materials and military training clothes later. This group has also become an additional source of income for money addicts. As usual, the money fan kept the money in his stock account vault. Looking back, the money was invested at the bottom of the stock market at that time, and the stock he bought at that time brought him nearly ten times the income in a few years. Looking back now, comparing with the way roommates treat money, I think the gap between people is probably reflected in this unconscious unconsciousness, and such "luck" may never fall into the crowd like roommates.
On the eve of graduation, I don't know how much money the drug addict has saved in his "small vault", but from my observation, it is unlikely to be a small sum. This money addict always sticks to the habit of living within his means every month, saving money first and then spending it. There should be more than 20 thousand savings in these four years, not counting the stocks he bought during the crisis. He will always find some ways to earn some extra money. Later, the money-obsessed man also told me that during my internship in my senior year, I actually saved a lot of money because the internship unit had food, accommodation and expenses.
Such a money addict with tens of thousands of deposits saved in the form of a small sum of money from 500 yuan that I despised at that time, but even a considerable number of people who have worked for many years may not be able to save such a sum of savings after work, let alone a fresh graduate.
Later, I really reflected. I'm afraid my own thinking habits are a typical and excellent contrast with those of money addicts at that time. Although everyone is persistent and enthusiastic about "making money" and wants to accumulate their first bucket of gold as soon as possible, under the real reflection, money lovers have indeed used a more "practical" road. My unrealistic pursuit of investment income and my habit of not paying attention to savings at ordinary times seem to be somewhat illusory, staying in my mind and lacking practical and effective actions.
In fact, there has always been a particularly famous saying in the financial sector, which is called "Harvard Doctrine". The specific content is that for anyone, no matter how much monthly income, they must save 20% first, and then spend the remaining 80%.
Two ideas: one is to save money first and spend the rest. The other is to spend money first and then save the rest. People who haven't done it seem to make no difference. After doing it, the difference is really great.
After work, I really realized the importance when I forced myself to do the same. Forming such a habit is also the first step to understand financial management. People must have money to manage, but money will not fall from the sky, so for most people, learning to save is the first thing to do. For people at a certain stage, buying one less IphoneX, one less bag, one less dress or a pair of collector's edition coconut shoes may increase their savings more obviously than studying stocks or investing every day.
For most people, even if their income is not high, it is not too difficult to spend 20% less every month. More often, we don't want to save money, in fact, we look down on the little money we save every month. What can 20% do for a working class with a monthly income of 4,000 yuan, that is, 800 yuan? Nothing can be done. And I didn't even bother to count 800 yuan.
Many years later, I also learned from the mouth of a wealth fan that such calculation is not only a superficial problem of big money and small money, but also a deeper problem of life opportunity cost. Compared with the moonlight clan, the seemingly small savings bring not only superficial money figures, but also an opportunity to get rid of the status quo.
Car buying fever
In such a period of more than three years after graduation, the hottest topic in our university reunion must be family and buying a car.
Money-oriented students are almost different in the class group, and what they say is completely contrary to the mainstream view at that time. In particular, I met a friend with an average family. He also showed that he had to take care of his family and asked for some money to buy a car. He always tries to convince his friends who are slightly "over-consuming" with his current financial outlook, although at that time, few people really understood and listened to him except me.
His words are too rational for everyone to see and lack some romance. People who love money can easily tell the specific figures of the unnecessary expenses increased one year after owning a car, and can also tell what they can do after not buying a car. He will tell those students who want to overdraw their car that buying a house, investing, starting a business and studying is far superior to buying a car, and once they buy a car, these plans will undoubtedly be postponed, especially for show-off purposes rather than practical purposes. A car can neither help their career development nor help them find a good partner too much.
Although this is well-intentioned, it is more like a pot of cold water, so it is unpopular. After a long time, financial fans will naturally stop saying such things.
And I, because of my understanding, at that time, I began to pay more and more attention to what financial fans sometimes say. Later, even now, I still remember a point that financial fans inadvertently expressed.
I don't remember that passage clearly, but after I digested it, the general meaning of money fans is this: Why do people buy insurance? Because for the same person, the same money has different effects. Just like eating, people who eat eight steamed buns will feel full, but the function of the eighth steamed bun is completely different from that of 1. For a starving person, the first steamed bread is used to "save lives".
So is money. Although buying insurance may be purely a loss, the real meaning of most insurance is to replace the eighth steamed bread with the one that eats well on weekdays. From the perspective of marginal utility, it is cost-effective. Because the closer the asset is to zero, the greater the income and the greater the utility. In the past, when farmers encountered natural disasters, they needed 1 10,000 yuan to buy seeds and fertilizers for next year. Therefore, if we can make good use of a little money in good years and exchange the first sum 10000 in bad years, the income and utility will be the highest.
Saving and consumption are the same. The deposit of 6,543,800 yuan when people have no money is completely different from the deposit of 6,543,800 yuan when people have 6,543,800 yuan. The first 65438+ million, the first 65438+ million and the first 1 million will open different doors of opportunity. Without these savings, many things would not be thought about and could not be done.
1000 can support a person to resign when necessary 1 year, and this 1 year may change his life. However, people who don't even have savings of 1000 yuan rarely think of not working full-time, or even thinking of changing to an industry they really love and starting from the bottom. After losing their jobs, they will certainly be anxious to find their next job, even if it is probably not suitable for them at all. 65438+ ten thousand may be the down payment of a house. For a person who has no savings, it is impossible to buy a property of 1 million, because there is no basic down payment. 1 10,000 yuan may make a person start thinking about entrepreneurship and investment projects from time to time, whether it is reliable to be an entrepreneurial partner of an awesome classmate, and what an ordinary working class can't think about. These are opportunity costs.
So as far as buying a car is concerned, the car that people spend 200,000 on loans when they have almost no money is the same as the car that they spend 200,000 on after they have some savings, but the cost is actually completely different. The former spent his "first steamed bread", while for the latter, it was just a dispensable steamed bread.
Later, the words of financial fans reminded me that the same is true of the current stock market. When some big V talk about an investment opportunity, there is a typical answer: "Unfortunately, such an opportunity is not suitable for retail investors." Such opportunities are not suitable for retail investors. Yes, stock index futures, stock options, margin financing and securities lending, bank credit, Shanghai-Hong Kong Stock Connect, 1 10,000 wealth management products, and 3 million bond investment. Without money, a group of people are separated from a group of opportunities, and people's vision is forced to be limited to the narrow range that they can reach. The investment market is like this, and so is life.
"People who have no money have nothing to do with financial management", "People who have no money are not suitable for fixed investment by the fund" and "People who have no money must try their luck while they are young". It seems that lack of money itself will affect people's way of thinking, but in what way should money change? Money doesn't fall from the sky, but rises from the ground.
What kind of preparation and luck?
In the sixth year of graduation, I was the penultimate car buyer in our class, and my money addiction was the penultimate. At this time, all we think about is that TM has to pay auto insurance again this month, and the parking fee in TM community has gone up again. TM's ticket has not been paid this month, so why hasn't the gas money come down?
When a money addict bought a car, I asked him how much money your boy hid when he graduated. He said, "Almost 50,000." Although I was psychologically prepared, this number still touched me. I'm sure that the figure of 50,000 is definitely the highest among most of us who didn't have much promise at the graduation stage! At the same time, I also remember that the figure of 50 thousand is exactly what I thought I could achieve with my excellent investment ability.
Because of a long time, my stock portfolio with that money-obsessed man basically overlapped, so I know that he also jumped from 14 to 15 through that bull market. In this way, with the ordinary income from an ordinary financial job in an enterprise with increasingly poor efficiency in an ordinary city and the ugly investment method of saving money to invest in stocks, the wealth addict accumulated millions of assets, which not only greatly advanced but also doubled his goal in one year.
In fact, money addiction has been silently doing the richest man in our class in the most inconspicuous way. This money didn't fall from the sky, it always did. From before graduation, every year after work, every decision he made was in the same direction, although no one knew it.
Today, in fact, apart from my general understanding, he didn't disclose how much money and stocks he had on any occasion. He is probably a friend, an old classmate, or a colleague obsessed with money. No one will see that this product can easily buy a luxury car and buy every new iphoneX when necessary without selling his kidneys.
A wealth fan has the capital to bask in a circle of friends, but he doesn't and he is not interested.
Some people may say that he is lucky, because after graduation, he happened to meet the worst years of China stock market, and invested all his money in the stock market at the cheapest price. Fortunately, he met a big bull market and cashed most of his profits in it.
Before and after marriage, financial fans were lucky enough to rely on two people's provident fund and discounted provident fund loans to buy a warm first house before the skyrocketing housing prices, although it was less than 70 square meters, which made a big bargain in the subsequent skyrocketing housing prices.
I think the house price will fall in the future. Some people will say that this person is too lucky to buy a big house with a lifetime loan in a big city.
Some people may say that he is old-fashioned, or worthless. After graduation, instead of wandering in big cities, he chose to go home, live at his parents' house and eat at his parents' house, so he didn't have to buy anything except a few hundred dollars when he was in love, so he could save hundreds of thousands of savings to buy any stock in just a few years.
There is no doubt that there is luck in the experience of money addicts, but luck and methods are also good. In the end, it takes a person to make full preparations and plans for something, and good luck will fall from the sky. In the 10 years I have known him, I have been making such preparations. Because he is ready, every step is a little earlier, and every step is in the right rhythm. Nowadays, money addicts are still very young, and now the life of "living within our means" has become a well-off life in the eyes of ordinary people. A trip that leaves at once is not a waste for him.
To take a step back, I believe that his life will still be better than most people's. Even if God doesn't give him good luck, there will be no big bull market in 14 years, and the house price will skyrocket after he just bought a house. That luck will come sooner or later. What kind of people and things will you meet in your life? There is luck, but it is not just luck.
Anyway, I still think the obsession is worth talking about. After all, in this real example, he didn't use a high proportion of leverage in his investment, he didn't encounter professional adventures, he didn't have a decent gold collar and high income, and he didn't make a fortune because of starting a business.
The latest news is that I heard that the couple who are obsessed with money both resigned, and the reason why they resigned was that my sister-in-law found that she was really unfit to do what she was doing after working for several years and planned to go back to college to study psychology. Financial fans choose an industry they like to study, experience and settle down, even if there is almost no income at first. Imagine that my sister-in-law came back to school after working for so many years, and she also studied a major that looked so useless. She didn't know what she could do after graduation. Will it be supported by families who still have mortgages and car loans? Anyway, the money addict raised his hands in favor and said, "Isn't this what I saved this time?"
This reminds me of the words that financial fans advised my classmates not to buy a car many years ago. When people have money, they spend 65,438+10,000 yuan. When they have no money, the cost and mentality are completely different.
I don't know how reproducible it is for most people, but compared with those who started their business by writing and selling software before graduation, they became millionaires. Starting a business after graduation, it is said that it passed the A and B rounds and got tens of millions of investments; There are also star companies such as Ali, Tencent, Huawei, etc., with high income and many shares? The practice of money-obsessed people is practical and not as shameful as imagined.
At least the values and ways of thinking of money addicts have influenced me, and when I tried to do it after graduation, I found that I really benefited a lot.
abstract
Let's review how financial fans realize their million dreams:
Saving money is not to make the quality of life worse, but to find something with high cost performance.
A money addict is actually an ordinary person. He accumulated his own 654.38+0 million through a small sum of money. Do you think it is difficult to achieve financial freedom?