In the 28 Law, a horror story is told: In today's China society, the focus of the gap between the rich and the poor has always been-not that the poor are too poor, but that the rich are too rich.

Why is the gap between hardworking and brave working people and the rich getting bigger and bigger? Why are migrant workers so diligent all year round but still poor? Why do you feel that you always work overtime and your income is getting farther and farther away from the goal of financial freedom?

All this is largely because people who are good at accumulating wealth now have long understood:

In their eyes:

Because there is no possibility of skill accumulation, it is difficult to improve the output efficiency per working hour. In other words, the salary per unit time is basically fixed for several years.

If you want to get a raise, the only variable is to work longer hours. There are many kinds of jobs, such as cleaning aunts and coolies on construction sites.

In their eyes, the formula is the same.

However, due to their work attributes and skills can be accumulated, the output efficiency of unit working hours will gradually increase with the increase of working years, and the hourly wage will also gradually increase.

So many skilled workers can work eight hours a day and on weekends, but the salary is higher than that of ordinary workers. There are many kinds of jobs: programmers, psychological counselors and lawyers.

In the United States, the most popular occupations are doctors, lawyers and consulting industries, because these industries sell at the highest price per unit time.

But the problem is that this method can only be maintained at a medium level. If you want wealth and freedom, you need to add another factor.

Doctors treat patients, lawyers bring lawsuits to clients, and the number of people who serve them for a period of time is limited.

It is impossible for people to work 24 hours a day. Even if they try their best to improve the efficiency of unit time, the limit of income is clear at a glance.

To further change the middle-class well-off society, we need to add another factor: increase the leverage ratio of our work, that is, allow ourselves to sell many times in a period of time.

Let's see, this formula:

The only change in this formula is to add a variable-the number of times to sell-on the basis of the formula of "more work, more gain" or "more gain with less work".

It is difficult to understand the formula alone. Let me give you some examples.

There are many such jobs, such as writers, teachers and internet celebrities.

Laughing classmates at the new university, in an interview, described their experience of obtaining financial freedom like this:

For example, the answer, value and knowledge of LIVE, which is very popular now, all take advantage of the high communication property of the Internet. Give yourself a precious time and sell multiple copies at the same time.

Knowing that the content in LIVE is there is a molded product. As long as the advertisement is well done, it can still be sold continuously. Zhihu has become a repository of knowledge.

Well, now you should know that to achieve the goal of financial freedom, you still need to increase your time to sell.

What you have to do is to find or create your own products that can be "automated". It can be an article, a piece of software, an automated business model or a company.

When you find that your products can be sold many times, a large part of your income is really "after sleep income".

Another variable-return on investment-can be added to the wealth accumulation formula above.

So the formula becomes like this:

Or an example of laughing at classmates. The other titles of Xiao's classmates are: the richest man in Bitcoin and an angel investor.

Just checked, the price of a single bitcoin transaction is: 4733RMB.

Li Xiaolai entered the field of bitcoin around 20 12. The earliest money used for investment was the stock of New Oriental. After the listing of New Oriental, it made a wave, and after cashing out, it made a wave by buying Apple shares, and then entered Bitcoin. Finally I have the wealth and freedom to laugh at my classmates. In a similar investment example, Wu Xiaobo bought its own island through real estate speculation.

The road to success cannot be copied. Everyone's path is different, but their experience has a * * * personality-focusing on return on investment.

This is an important concept. Without this concept, it is almost impossible for people to know that they may improve their return on investment. Most people just know the bank interest rate and the yield of Yu 'ebao.

But how many people have heard of the following concepts: reverse repurchase of government bonds, money funds and index funds?

If you haven't heard of it, you can't know that the one-day yield of national debt reverse repurchase can actually reach 15% or even higher and there is almost no risk; It is impossible to know that Yu 'ebao is only the simplest kind of money fund; I don't understand, through certain knowledge learning, the average annual income of index funds can reach 10%.

What you need to know is that with the concept of return on investment, you can enter this field to learn knowledge after headphones.

There is an upper limit to "get twice the result with half the effort". Because your unit time value will always peak. This will only make you rich, middle class.

3. The work leverage ratio has attributes. You should find your own valuable "automated trading" products. This may release your wealth.

4. The return on investment is risky. You have a concept and knowledge. This can set your wealth free, or you can lose everything.