In our twenties, we are used to believing that money is earned rather than saved. Under the guidance of this concept, we happily become "moonlight tribe" or even "sunlight tribe".

When we are unable to develop better because we have no money, when we lose the opportunities we have waited for so hard for because we have no money, we finally understand that, in fact, learning to manage finances is more important than learning to make money!

? Soon, Zhang Miao figured out why his friend was so poor.

Although he is faced with the fate of having to borrow money from others once he runs out of money before finding a job, whether it is going out with friends or gathering for dinner, Shen Zhiguo will rush to pay for the expenses no matter how big or small, especially

When a lady was present, Shen Zhiguo became more active. His posture was as if he was not a penniless job seeker, but a rich man with a strong family fortune.

Slowly, Zhang Miao also figured out the whereabouts of Shen Zhiguo's money in the past: Although the company provided food and accommodation, he often had gatherings with friends and rushed to pay for each gathering, so he was not only a well-known "moonlight clan"

", and they are also the famous "gnawing old people" - after all their wages are spent, in order to continue to meet the previous expenses, they have to ask their parents for help.

Although he only has a few dozen yuan, he still doesn't want to take the bus and would rather spend his last copper to take a taxi. Although most of the girls he travels with are richer than him, he still doesn't want to have sex with them when traveling because, "

Having sex with a girl is a very embarrassing thing for a man. "When he lent money to Shen Zhiguo once, Zhang Miao finally couldn't help but remind him that you are already a man who is almost thirty years old. People say that you stand in your thirties.

What do you use to stand?

Starting a business?

Do you have capital?

You said that having a relationship with a girl is extremely shameless. Is it possible to gain face by borrowing money from a girl?

You are willing to pay for your friends and enjoy it, thinking it is a very generous thing. However, when you see that all your friends around you have little savings, and even plan to buy a house or a car, but you still have nothing, you still feel generous.

In order to get Shen Zhiguo to get rid of his bad habit of spending money lavishly, Zhang Miao cruelly set a date for him to pay back the money, because she knew that with Shen Zhiguo's way of spending money, even if he found a job with a monthly salary of tens of thousands, there would be no guarantee that he would have the money.

A copper plate of savings, let alone repaying the borrowed money.

? Many men in their twenties have similar problems to Shen Zhiguo. The reason why they don’t care about money is that they don’t have family burdens like men in their thirties and forties; they think that they are still young and will have a big future.

They are good at face-saving and think it is shameful to worry about money; they feel that money is earned, not saved? However, these men in their twenties have ignored it.

Such a fact: most of us are not Li Ka-shing, and we do not have a rich dad to provide us with a large amount of wealth. We are all working-class people, living on our monthly salary. If we expect our lives to get better and better

, and accumulate a certain amount of entrepreneurial funds by the age of thirty, then in our twenties, we must learn to invest and manage money to make our wallets richer and richer.

? Men in their twenties should recognize the fact that it is not shameful to have sex with friends, as long as you master the skills.

Once, a boy suddenly said to his colleague, a fashion-forward girl: "Would you like to eat fish head hot pot?" The girl liked fish head very much, so she agreed without thinking.

Because the boy had mentioned that he wanted to treat the girl to dinner a few days ago, the girl naturally thought that the boy wanted to treat her to dinner at this time.

However, when it was time to leave, the boy said to the girl: "Go and call XX." The girl said without thinking: "It's your treat again, why don't you call me?" Who knows, a male colleague next to him interrupted and said

: "There is no such thing as a treat? Everyone is AA." The girl immediately felt very embarrassed. Although she had attended many AA gatherings, such AA was still unacceptable to her, so she ran away saying that she had something to do.

.

? In fact, today’s women have become very independent, and they have enough financial ability to socialize and live.