First of all, if you really want to find a secluded place in the countryside as mentioned above, you have to rent a house. At least the village has electricity, water and a small yard. The surrounding infrastructure is basically in 3-4 tier cities. If you don't usually buy it at buy buy, the simple rent plus a daily vegetable and fruit will cost 2-3 thousand yuan, and occasionally treat yourself to go out for a meal, or buy big things, which will cost an average of 3,000 yuan a month. After 36,000 yuan a year, if you want to lie flat, you have to earn 3.6% on the principal of 1 10,000.

If you usually like to buy from buy buy, often eat big meals, or have to raise children and repay loans at home, the monthly expenses will be even higher, at least 4-5 thousand, or 50-60 thousand a year, and the annual return on investment will be at least 5-6%. The higher the cost, the higher the return on investment.

In short, the greater the cost, the higher the level of financial management, otherwise it will be empty sooner or later.

So, how can we achieve an annual return on investment of 3.6%, 5-6% or even higher?

In the form of deposit interest rate, we don't look at the ordinary deposit interest rate at first, but directly look at the deposit certificate interest rate. You know, the interest rate of large deposit certificates has dropped directly for three consecutive years this year. The 1 year interest rate of many banks does not exceed 2.6%, and it can basically stabilize at around 3% in two years and less than 4% in three years. If the income of one year and two years is directly shared, it will be about 2000 to 2500 per month, and you can live frugally every day. In order to be a little better, I thought of a way to save 6,543,800 yuan in advance as living expenses for three years, and the remaining 900,000 yuan was directly saved at the interest rate of 4% for three years, so that the interest of 6,543,800 yuan+0.8 million yuan can be saved after three years. However, according to the downward trend of bank interest rates in the future, it is estimated that this method will not work after three years.

Then let's look at the national debt with higher interest rate. How's it going? According to the survey results of several issues issued in the first half of this year, it is acceptable not to exceed 3.5%, but there is also the possibility of future income decline, and it is estimated that this day will not be peaceful.

Then let's look at the fund stocks with higher returns? I guess when it comes to this, many people shake their heads. I think I watched a lot of green screens this year. What if it is a big stock market? Take Buffett, the ceiling of the stock market. He can basically stabilize the annual return on investment at 20%. If his income is 1 10,000, then he can earn 200,000 every year, and then he will spend 1 10,000 every month. A person living in a third-and fourth-tier city can basically live a life of a cup of coffee every day, a big meal at any time and shopping in buy buy! However, if you want to buy a famous brand and often go to high-end places, you can't afford it.

If you are a family of three with a loan, you have to give your children better educational resources, even if you are short of money.

You know, this is still the situation under the operation of Warren Buffett. Professionals in the industry can reach half of Buffett 10%, and the above expenses will be cut by half, not to mention Xiaobai who knows nothing.

From this point of view, it seems that 654.38+0 million is not that simple!

Moreover, in all the above cases, some unexpected events were not considered. For example, no one can guarantee that 100% will not get sick. It's okay to see a doctor when you're sick now. It's no problem to spend hundreds of thousands on minor illnesses. A little more serious, already lying flat, not to mention a serious illness.

Therefore, even if it is a divine operation, as long as there is an accident and extra expenses are needed, it will basically lie flat.

Speaking of which, do you still want to save 1 10,000 and lie flat all your life? I want to say that if you want to lie flat, you can either take out some money and experience it for about a year. Lie down and continue to be a social person. Why don't we work hard first, wait until we have saved at least 5 million yuan, do a good job in risk protection, learn financial management skills, make a good financial plan, and practice the mentality of an investment expert, then diversify our investments and try to lie flat. Why are you still talking about trying? You said that in case this financial management skill is not good enough, you have to come back and continue to make money.

Having said that, have you found that this originally meant that you should lie flat, but how can I put it? In the end, you should work harder to make money?

Therefore, whether making money or managing money, we should pay attention to a down-to-earth, step by step, and keep moving forward.