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Signs that people are slowly getting rich. If you want to become rich, you must first learn to accumulate assets.

If you want to become rich, you must first learn to accumulate assets. If you are like most people, you do not have much money.

Then you need to save money and accumulate principal.

The best-selling financial management book "Rich Dad, Poor Dad" mentions a very important financial management point of view: consume less, save more, and invest the money you save into assets that can bring you more income. This will make you perfect.

Achieving Financial Freedom So what is consumption?

What are assets?

Do you have a clear understanding of the two? For example, the company distributes a bonus of 10,000 yuan during the annual holidays. You use the money to travel and buy tobacco, alcohol and gifts. This is consumption; if you deposit the money into Alipay or Wealth Management,

Just buy assets.

For gifts such as tobacco, alcohol, etc., the money will be gone after eating and drinking. However, if you transfer the money to Yu'e Bao, 10,000 yuan will continue to bring you income. Is cash an asset?

Cash can buy assets, but cash itself is not an asset.

Because if the cash itself is kept stored and not understood, not only will it fail to appreciate, but it will depreciate.

In the 1980s, the per capita income of the “10,000-yuan households” that everyone envied was only about 20 yuan.

If you have 10,000 yuan in savings at home, you can live very comfortably.

But if this 10,000 yuan has been kept at home, as of now, according to the 2020 disposable income of residents in Shanghai released by the National Bureau of Statistics, it is 72,232 yuan, and 10,000 yuan is not enough for 2 months' salary.

But if this 10,000 yuan buys an index fund, it may become 300,000 yuan today.

The gap is obvious. As time goes by, the wealth growth brought by high-quality asset allocation becomes more and more considerable.

In short, assets are assets that can bring you income.

For example, stocks, funds, bonds, real estate, etc. Although different types bring you income at different speeds, they all can "generate" money continuously.

The more assets we have and the better they are, the easier it is to help us achieve financial freedom. So what is financial freedom?

In layman's terms, it means you can do things you like without having to worry about money.

Even when you're not working, your assets are generating income for you.

There are many high-income groups in life who have not achieved financial freedom in a true sense.

For example, for an experienced dentist, his job can bring him a lot of income. Once he retires at an advanced age or is unable to work for other reasons, his source of income will be cut off.

Rich people have no time, and those with time have no money. There are many such people in life.

Wealth and time are always difficult to balance.

This tells us a truth: if you want to achieve financial freedom in a true sense, you must first own assets. The more high-quality assets you own, the easier it is to achieve it.

In addition to owning shares in Tencent, Ma Huateng also holds shares in other unicorns such as JD.com, Pinduoduo, TCL, Didi, Meituan, etc... If you are like most people, you don’t have much spare money on hand.

, then you need to save money. "It's hard for a good woman to make a meal without rice." If you don't have principal, no matter how high-quality assets or good opportunities you have, it has nothing to do with you.