1. The wealth thinking in class is consistent with that in the book.
Last year, I watched Qian Qian the Dog and The Road to Wealth Freedom-Earning 6.5438+million in seven years, and managing money is managing life, which changed my thinking on some basic financial management.
After listening to the class, people are more impressed and moved, and feel that these are true and credible.
2. What is real saving?
Before, I was paid. I calculated the monthly mortgage and car loan, plus the monthly living expenses and other possible expenses, and then saved the rest of the money. I can hardly save a few dollars every month.
After listening to the lecture, I learned to allocate assets 3- 1-4-2 first, and then I will save the money I need to save after allocation every month, which is really more than before.
2. Three assets and three elements compound interest subverted my cognition.
I always thought that the house was a game for the rich. Later, I learned through learning that investing in a house should be divided into different situations, otherwise it will be quilted and become a "money-consuming asset".
I understand that if you want to realize the first step of wealth as soon as possible, you need to invest in "money-generating assets", so that good assets account for 80% of the total assets and good expenses account for 80% of the total expenditure.
"Compound interest is the eighth wonder in the world", and the three major influencing factors of compound interest are principal, time and interest rate.
As an office worker, my principal is basically fixed, and I can't have a large amount of principal like an entrepreneur, so it is unlikely to increase the principal significantly.
Time is an objective value and can't be controlled. If possible, we all hope that the sooner we manage our finances, the better. But we only came into contact with financial management in middle age, so we can only see if there are other options that can be improved.
The teacher's analysis is objective. The principal is limited, the time is limited, and only the "rate of return" can be rushed. How to improve the rate of return, only by learning the knowledge of financial management can we improve our financial management cognition and increase our income.
3.20 kinds of investment and financial management tools, such as "goods-based+national debt reverse repurchase" and "money-making stocks+index funds +REITS".
In the most concise way, the teacher introduced more than 20 kinds of investment tools in four categories at once, which made people feel refreshed and knowledgeable.
Among them, through the teacher's analysis, there are the following two categories, which are my favorite combination financial management methods:
(1) Small change financing method: goods base+national debt reverse repurchase.
Usually, I will also use the required reserve fund to buy the money fund of WeChat financial management, but the income is very low.
Teachers use this combination method, which not only ensures the flexible use of change, but also improves the rate of return of change, which can be described as adding flowers to the well.
(2) Portfolio to achieve financial freedom: stock assets that generate money+index funds +REITS.
Stock is a high-risk boss in the traditional impression, but after the teacher explains, as long as you learn to analyze it with financial knowledge, you can find a profitable stock that suits you like Buffett.
Index fund, I also bought E Fund CSI 300, but it always looks like green tea. In the first section, after listening to the teacher's basic financial tools, I found that I may have bought a "fake index fund" because the teacher said that the index fund is a national sports fund with high strength. I look forward to the detailed explanation in subsequent courses.
Real estate investment fund. The first time I saw this tool was in the book "Managing Money is Managing Life", but the book said that it was sold in Hong Kong stocks, but not in the domestic A-share market.
With the progress and development of the times, I didn't know until I listened to the class. Now we can buy it in China. In other words, you can collect the "rent" with a small amount of money like a rich man.
When writing these, I smiled for my beautiful dream of wealth and freedom. I used to have so much knowledge blocked by the outside world. Now I want to start a new way of life.
Rockefeller said: "If I have no money, even if I am thrown into the desert one day, as long as I see the caravan passing by, I will soon become rich again."
Everyone should learn some knowledge about financial management and improve their thinking cognition, so as to move from poverty to wealth like Rockefeller. Like Buffett and Charlie Munger, they have passive income.