Establish a correct concept of financial management, do not work hard to make money, do not learn to manage money, will be dominated by money. The essence of money: money itself will not make people happy or unhappy, it is neutral, and only when it belongs to a person will it have a good or bad meaning.

Take the first step towards wealth and freedom.

Build up self-confidence and keep a success diary like a rich man.

Three suggestions:

1. Write down 10 reasons/dreams that you must become rich, and choose the three most important ones.

Step 2 prepare a dream photo album

Step 3 prepare a dream piggy bank

Making good use of debris time, instead of waiting for ten minutes every day, can bring you real change.

Find the right way to find business opportunities.

Recognize the reasons why many people think it is difficult to make money: they don't think seriously and don't want to face difficulties.

Always helping others solve problems.

Always focus on what you know, can do and have. Don't just pin your hopes on one job, find another alternative job quickly.

The work itself is worth at most half of the reward, and the other half comes from your ideas and the courage to realize it.

Luck is the result of full preparation and hard work.

72-hour principle

I will do it when I have time/conditions.

It is better to finish it in an effective time than to be perfect but incomplete. Trying is a process of exposing problems and accumulating experience.

Attach importance to financial management

Without capital, talking about financial management is building castles in the air-we must work hard to make money and manage money carefully.

Advice to debtors

Cash payment helps to control consumption desire.

The less you repay the loan, the better: inflation

The principle of 50-50 split: avoid the Committee falling into debt crisis.

How to get rid of debt

Cancel the credit card

Repay the money owed to the bank in installments, and try to achieve the minimum residual income for each repayment. Half is saved and the other half is used for daily consumption.

Consume rationally and don't spend unnecessary money.

Learn to distribute money.

Goose account: 50% of the money is used to raise 1 golden eggs: the story of how people live within their means).

Dream Fund: 40% of the money is used to achieve short-term and medium-term goals.

Daily expenses: 10% of the money is used for small expenses.

Investment principle

Be sure to allocate assets well before investing and reserve some cash for emergencies.

Building the thinking of the rich: learning to use Qian Shengqian.

Three main points of investment:

1, put your money in a safe place.

Our money should lay a lot of golden eggs.

Our investment should be simple and easy to understand-the fund is the most suitable.

How to balance risk and reward

Choose more funds to spread risks and improve returns.

72 formula

Function: calculate interest and compound interest quickly, and save time in reading complicated charts.

When will the investment double? Divide 72 by the annual return on investment.

When will investment be halved: divide 72 by the inflation rate

About stocks

bonus

Buy low and sell high.

The risk is high and complicated, which is not suitable for children who have just started to learn financial management.

Why is investment fund so simple?

It is managed by a special fund manager.

The state exercises strict supervision over funds.

Different asset allocation disperses risks.

How to choose a fund

At least 10 years of history.

Large multinational equity funds should be selected.

Large multinational equity funds should be selected.

How to analyze funds

Sort out 20 kinds of funds, compare their scale, the income in recent years 10, 5 years and 3 years, the scope of investing in stocks, and even mark which companies they have invested in.