Speaking of the word "realm", I think of two days in Wang Guowei's "Words on Earth": "I am haggard for Iraq" to "People are under the dim light". 2 1 century, compatriots with bulging pockets woke up like a dream and managed their finances everywhere. I accidentally saw a real estate advertisement that day and actually used financial management as a word, which made me speechless.

What's going on here? Financial management is really like a thousand-year-old ganoderma lucidum. Is it spiritual? I often read and listen to many financial stories and financial statements. I think there are boundaries in the world of financial management.

First, people's livelihood and financial management.

Just like the bottom of Maslow's hierarchy, survival is the first need. From a psychological point of view, the essence of financial management in this realm is "livelihood". For people who are new to the society or have limited knowledge, insufficient ability, poor family or bad opportunities, it is the lowest realm of financial management, but it is also a state of taking the initiative to grasp life.

This realm is not only bounded by money, it can be a vegetable vendor, and it can be a wage earner with a monthly income of thousands. Their common feature is that the purpose of financial management is to survive, but the requirements for survival are different. Today is the survival of tomorrow, and this month is the survival of next month.

Throttling is the most important thing in financial management, and saving may be a little bit, but the concern about stocks, funds and wealth management products has not been put on the historical agenda. Most college graduates or young people who have just earned their own living are in this state, which is also the initial stage of financial management.

The second is lifestyle finance.

With the increase of work experience and experience, life has been basically guaranteed. Under the overwhelming bombardment of various financial management concepts, I began to pay attention to the financial management around me. At this time, there are many people studying savings, funds and national debt. Buying stocks is an introductory course, asking for insurance is a compulsory course, and looking at real estate is an elective course. With five W's, I think of eight W's, with eight W's, I think of ten W's.

Others are content with the status quo and think that not wasting money is the right way. This period pays more attention to financial management than before, hoping to have many children with limited money. The concepts of open source and throttling are constantly intertwined in my mind, and I am constantly tormenting myself in my life. Life still revolves around money.

In fact, at this time, it is often a bit high and low. It is ok to say that there is not much money, and it is ok to say that there is less. If you ask for a higher life, you won't have enough money. Let's lower the standard of living a little, and you will live a comfortable life. Only wise people know that investing in themselves is the greatest investment, and start to learn new knowledge, accumulate new skills and seek new opportunities.

Third, enjoy financial management.

This stage has a certain correspondence with the so-called middle class life. Of course, the concept of middle class is controversial, and no one has come to the conclusion that how much money is considered middle class. All I want to say is this mentality. I am very satisfied with my present life. While enjoying life, I use my knowledge to take care of my property. At this stage, we regard the quality of life as higher and know that money can be used to invest and get more, but we will not use all the money to get rich, but arrange our life reasonably and then deal with the matter of making money.

In fact, at this stage, the quality of financial managers is already very high. They have the ability to earn enough income and find a well-paid working style and work content. They also have more investment channels, such as real estate, insurance and more or less purchases under the guidance of experts, and have great interest and participation in more wealth management products such as gold, funds, foreign exchange and RMB wealth management. People at this stage are more concerned about open source. They deeply understand that money can be saved and earned. They have to earn by their own skills, for themselves and for their families.

Fourth, in my opinion, it is the highest realm of financial management, and it is self-fulfilling financial management.

At this stage, I am doing what I like. The focus of financial management is to find the source of "open source", and making money is to make natural things from the source and make yourself and your family comfortable, rather than just saying a lot of money. At this stage, I don't pay much attention to money, but I do something that makes me feel happy and fulfilled. My income has already passed the subsistence line, hovering between the little rich and the big rich. What I appreciate is that in this state, money comes naturally and is spent naturally.

This requires early accumulation, including the accumulation of knowledge, experience and popularity, and doing something determined, which is called "specialization in the industry". At this time, the word "achievement" can be used in work, regardless of the size of the achievement. Even if you shine shoes, as long as you do it seriously and happily, wealth will follow you.

As big as Li Ka-shing has a population of hundreds of millions, as small as making kimchi, you can go abroad. Many people often forget their ideals while pursuing wealth. If you can bring your ideal into full play, why not worry about money with you? The world has provided us with many job opportunities, and every opportunity has the possibility of getting rich. The key is to see if what you do is the best.

On the road of life, I have traveled for more than 30 years. I have had the first, second and third realms, and now I am still ups and downs between the second and third realms. When I was studying, I studied hard for a good job. After work, go to the next level, take the postgraduate entrance examination, apply for a job, learn financial management, and continue to work hard for it. ...

When I have a car, a house and a good income in that city, I often ask myself in the dead of night, do I live for this life? Think about the CCTV advertisement: "How big your heart is, how big your stage is". People's grasp of wealth depends on your recognition of yourself. Grasp how much wealth you have.