how can we get rich? Many people will say, be diligent and choose a good industry, but why do many people finally call themselves poor?
Many people are not diligent and engaged in good industries, but the money they earn can only make ends meet. Whenever they need to spend money, they can only smile when they look at the balance on their cards.
how to get rich? This book gives us some enlightenment.
Babylon was called the richest capital in the world in ancient times because the richest people lived there at that time. Although Babylon is far away from us, the wisdom of the sages of Babylon is still worth learning and inheriting. The financial wisdom in this book comes from some clay tablets unearthed in Babylon, and the ancient Babylonians skillfully carved some words on these clay tablets, so that future generations can have the honor to see the business and financial wisdom of the ancient Babylonians.
lesson 1: dabbashir's plan. Dababashir was a slave, but he followed the advice of his good friend, the owner of the bank, Ma Song, and made a plan. There are three purposes of the plan. First, this plan aims to provide for his future prosperity. Therefore, one-tenth of his income must be saved in order to be prepared. Secondly, this plan aims to enable him to provide food and clothing for his beloved wife and family. Third, the plan aims to enable him to pay off all his debts with part of his income. Dabair decided to save 1/1 of his income every month, take out 2/1 to pay off debts, and use the remaining 7/1 for living. Dabair took the initiative to find some creditors, and explained to them that he would share his income every month to pay off the debts owed to them. At first, some creditors disagreed and resisted, but over time, Dabair won their trust and respect.
lesson 2: face the debt bravely to gain self-esteem. Many people will avoid talking about the debt problem, either feel humiliated or don't want to pay it back. They can put it off and rely on it. This book teaches us to face up to debt. Debt is our greatest enemy. How can we defeat the enemy if we dare not face it? We should firmly believe that it is easier to pay off debts than to avoid and default on them, and it will also give you self-esteem and self-respect. It is wise to make a list of all debts as soon as possible, communicate and negotiate with each creditor, tell the truth frankly, explain your debt repayment plan to them and reach an agreement. Always live within your means, and restrain and control your own spending. Except in special circumstances, adhere to the principle that all expenses should not exceed 7/1 of income, even after paying off debts.
lesson 3: the soul of a free man must be won by himself. If you are willing to put yourself in chains and be a "slave", no one can help you. The book introduces how the camel merchant Da Bashir changed from a slave to a wealthy businessman. Sheila, the hostess, was noble and kind. She took the opportunity of going home to visit her relatives, avoiding the host and letting Dabair, who was a slave, go free. Dabair experienced many obstacles on his way to escape. The desert was endless, and there was no water or food. More importantly, he couldn't find the way back to Babylon. On the verge of death, he thought of the words of his hostess Sheila: "Your debt is the enemy that forces you to leave Babylon." Dabair finally realized something that could change his fate. He wanted to go back to face his creditors, find a new home for his wife, and strive to be a person worthy of parents' pride. Besides, he felt that he owed the goodwill and trust of his friends who lent him money. With his perseverance, Dabair finally walked out of the desert and returned to Babylon. Where there is a will, there is a way. After returning to Babylon, he made up his mind to look around for a way out. Gradually, he paid off his debts, and finally he was able to look up and feel that he was a respected and truly free man.
lesson 4: hard work is the source of luck and wealth. Salu and Megiddo, as slaves, will be sold to build the city wall if they don't work hard, and they are likely to be exhausted in the process and even flogged to death by the guards. It was because of hard work that Salu had the opportunity to be selected by the noodle contractor to escape the experience of being forced to build the city wall. Even after being sold by the owner, he was still lucky enough to be rescued by a good man like Allard.
lesson 5: if you need to help your friend, you absolutely need help, but you must never put your friend's burden on yourself, thus becoming your own burden. Ma Song, one of the rich men in Babylon and a famous gold lender, has a box, which is specially used to keep the collateral or collateral left by those who borrow gold. He warned that the safest loan is to lend to those whose wealth exceeds the value of the loan, and it is often unsafe to lend money to those who are caught in the abyss of depression. Even if you borrow money, you should lend it to those who have a sustained and stable income, and they should be self-respecting and trustworthy.
lesson 6: build a strong wall for your money. Babylon's wealth and prosperity may come from many aspects, but at least it includes: using all resources as much as possible, people will conquer the wisdom, enterprise and creativity of heaven, accumulate and create wealth continuously and build walls for them that will not be plundered by the enemy. We should also make smarter use of the protection brought by insurance, savings and reliable investment, and develop better and wider protection measures, so as to save our wealth, life and future.
lesson 7: seek ways to manage money from successful and rich people. Financial management is always a real university, and wealth only favors those who are familiar with it.
tip 8: seven recipes to cure poverty. 1. First, let your wallet swell. For every 1 coins you earn, you only spend 8 at most. 2. Control your own expenses. The desires of yourself and your family can never be satisfied by your salary. 3. Make your gold multiply and increase in value. A person's wealth lies not in the number of coins in his wallet, but in the fact that his accumulated income becomes a source of money that keeps flowing into his pocket, and he can always keep his pocket full. Guard your wealth from loss. Seek advice from wise people and insiders, and only make investments under safety rules. 5. Make your house a profitable investment. Owning our own house can greatly reduce the cost of living and make us have money to enjoy other pleasures of life. 6. Ensure your future income. Each of us has to prepare enough money for our old days, and at the same time, we have to prepare enough money for our families once we can't support our families after death. 7. Improve the ability to make money.
Finally, I would like to mention three basic rules of getting rich: keep at least 1/1 of all income for yourself; Consult business with insiders and wise people and seek investment advice; Let the accumulated wealth serve as your slave and serve you from beginning to end.
If you have learned the theoretical knowledge, you should always review it and put it into practice. Otherwise, it is really a waste of time and energy, and it is a "hooligan".