It is often said that "it is easier said than done", but after I entered the financial management camp, I often felt that I was a person who was "easier said than done": from the first stage, I bought one fund every day, each 10 yuan, only for a few minutes every day. Is it difficult? Not difficult. But why on earth did you do it? Hmm ..... get into the habit of buying and looking at funds every day; Reduce risks through daily fixed investment; Many a mickle makes a mickle, but you can't get 10 yuan in one day. Watch it every few months. Oh, it's the "small vault"!

So I threw it away half-understood and half-confused. It didn't hurt anyway, did it? I sorted out the notes that Mr. Wu read yesterday, and watched some contents in Rich Dad and Poor Dad in the evening. "How should we start to get rich?" Robert Toru Kiyosaki gave the 10 step, Article 5: "Pay yourself first-the power of self-discipline. If you can't control yourself, don't think about getting rich. " ?

So familiar! Open the proofread guide map and compare it. Ha, what does teacher Wu repeatedly emphasize when reading the guide? "It is too important to get into the habit of paying yourself first when you wake up every day (raising geese: buying assets every day/investing in S&P funds listed in the top 500 companies)!" Well, this is the big pattern behind buying funds every day.

In demonstrating this point of view, Robert gave the financial statements of two people: "pay yourself first" and "pay others first" (Figure 1). The income earned by the former through work is first "paid to oneself" (buying high-quality assets). In the following years, these assets will continue to bring stable cash flow to their owners at a certain frequency (such as monthly). After getting the cash flow? People who know how to "pay themselves first" will continue to use this cash flow to buy more high-quality assets in order to obtain greater benefits. This is how the positive cycle is generated.

On the other hand, those who pay others as soon as they have income often have little or no money left after paying all kinds of bills. Because I didn't buy assets, I couldn't enjoy the cash flow brought by investment. As a result, I have worked hard all my life, and when I can't continue to work in my later years, I have to rely on pensions and social insurance to live.

In fact, we are very lucky to rely on pensions and social security. After I went to college, I met many students from northern provinces. Some of their parents (such as those farmers living in rural areas of Henan Province) have neither medical insurance nor social security. After working hard for most of my life, all I want is to save a decent wife book or dowry for my children. The sample is limited to some students I know, and may not truly reflect the overall situation. )

For the latter, the positive cycle has never had a chance. What is even more frightening is that they often unconsciously establish a huge negative cycle system. Think of yourself who used to swipe your credit card happily in the moonlight every month?

However, due to various complicated reasons, the monthly cash flow is far below the amount of bills payable. What should I do?

Well, Robert said, "I'd better pay myself first."

Take the experience shared by the author's wife in "Women Must Be Rich" as an example:

Later, everyone knew the financial situation of the Kiyosaki couple. They didn't make all the right choices at the beginning, as I thought at first, and then easily began to accumulate wealth with the first bucket of gold they earned. On the contrary, they are already stretched and almost desperate. What should we do instead of paying the bill first and then investing? Even if we are in debt, we will firmly implement the principle of "paying ourselves first" and establish a positive cycle of getting rich through investment (even if the amount of this cycle is really small at first).

The solution is always more difficult than the reality. Don't always stare at the keyhole. "I'm Xiao Bai, I don't have much spare money, I'm inexperienced, and my economic situation is not good" are all excuses. Well, if it takes more time and energy to overcome these difficulties than the goal of "realizing wealth and freedom", then continue to be a poor and ignorant little white.

At the end of the article: No matter whether you have money or not, you should develop the habit of "paying yourself first" as soon as possible and start the positive cycle of getting rich by investing. Whether the loop is big or small, the point is that it is a positive loop and will continue to grow.

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