I don't quite agree with this way of managing money. First of all, let's see that the cost of this investment method is his own basic living expenses, and his basic living expenses need to be paid by the flower buds on Alipay, which will lead to many problems.

The fund has a loss.

As we all know, first of all, the fund will definitely lose money. Unlike some bank products, there will be no fixed interest and basically no loss, but the foundation will rise and fall. If you don't pay attention to some skills, it will lead to losses. In order to make this situation unsustainable in real life, we need to have the concept of financial management and need to invest, but we need to invest moderately.

How to invest correctly

What should real business investment do? First of all, we can invest with 0/3 of 65438+ income instead of all living expenses. In addition, some of our remaining expenses can be used for flexible expenses in life, rather than relying entirely on funds.

My life should be measured and my investment should be measured. Although we can see that the investment income of funds is very high in 2020, many funds even reach 50% of the income. This income is very impressive and envied by many people. I don't know if I can earn some income if I don't work and go to the fund every day with my own principal.

Actually, it's not. Our investment is on the one hand. On the other hand, we need to increase revenue and reduce expenditure. Open source means that besides our own work, is there any way for us to find some sideline businesses to earn more income? The income from sideline business is also a good way to increase our extra income.

Besides, cutting expenses means that we have to cut down some unnecessary expenses in our daily life. For example, some white-collar workers are used to drinking a cup of coffee every day. Is this cup of coffee really necessary? Will it definitely affect our lives? Does it affect our health? If there is no such expense, we can get rid of it, so there should be a boundary between investment and consumption.

Don't invest too much in inappropriate ways. The appropriate way is to master more skills together, gain more benefits through Qian Shengqian, and make your life easier. In short, financial management is a way to help us live more easily, but we must remember that there is a limit and boundary to financial management, and our living expenses should be retained.