I think there are two main reasons why young people fall into "heavy debts":

On the one hand, there are different consumption concepts. Now, post-9s and post-s accept the concept of ahead of consumption, overdrawing future money to meet current needs. This consumption concept gives birth to "a certain amount of loans", which makes it easy to overdraw money and often creates it.

On the other hand, the financial management concepts are different. The biggest difference between post-7s, post-8s and post-9s and post-s is not only the consumption concept, but also the financial management concept. The post-7s and post-8s have a strong sense of storage, and every money they earn will be spent as little as possible, and all of it will be deposited in the bank, and there are also a few people who invest in stock funds. Nowadays, young people are in the opposite situation. There are a few people who save regularly. After paying off the arrears of last month, there is basically not much left. We have to arrange several activities such as eating out, watching movies and shopping malls. And a considerable number of young people will invest in stocks and funds, with high capital instability, and it is easy to fall into debt.

The attitude of enjoying the present and satisfying ahead of time reduces young people's estimation of potential risks, and many people are confused even when they are in debt. When I was in the investment industry in 27, I had to bear tens of millions of huge debts because of the financial crisis. I never thought I would bear such huge debts before I got into debt. At that time, I was once regretful and confused. I wanted to continue to start a business and pay off my debts, but I was losing money all the time. I had to temporarily give up the idea of starting a business and work to pay off my debts until I found a suitable industry "housekeeping". Now I have been doing housekeeping for 13 years and have my own housekeeping company.

So debt is not terrible, but as long as you find the right direction and have a firm belief, there will be a day when the rain clears up!

Friends who are in debt, don't panic. First of all, be sure to figure out how much debt you have and which repayment period is urgent. These should be paid first, and make an orderly repayment plan. Friends with a relatively generous repayment period can enter the domestic service industry. The domestic service industry has a large market and good prospects, and it is less difficult to learn a domestic technology. They can take orders at home as soon as possible. As long as they are not afraid of being dirty and tired, they are willing to go to the home to serve more, and it is not a problem to earn more than 1, yuan a month.

If you have strong communication skills, can run the market, are willing to work hard and are willing to try to start a business, you can also join housekeeping, which has low risk, less funds and less practical difficulty. But we must always bear in mind that starting a business is risky and should be operated with caution.

it's not terrible to be in debt. What's terrible is being crushed by debt and not having the courage to repay it.