Hello, landlord (emotional assistance inquiry group). I'm glad to answer your question: in our twenties, we once believed that money was earned, not saved. Under the guidance of this concept, we happily became a "moonlight clan" or even a "sunlight clan". When we can't develop better because we have no money, when we lose hard-won opportunities because we have no money, we finally understand that learning to manage money is more important than learning to make money! Why is there always no money to spend? When Shen Zhiguo came to this city to look for a job, he had only one hundred dollars left. His friend Zhang Miao thought it was strange. Shen Zhiguo is neither a newly graduated college student nor an unemployed person who has been unemployed at home. He has been working for several years. How can he be so poor? Zhang Miao didn't understand, but out of his friend's morality, he not only provided him with free accommodation, but also lent him a sum of money as living expenses. 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 has no money. However, whether friends go out to play together or get together for dinner, regardless of the cost, Shen Zhiguo will scramble to pay the bill, especially when there are ladies present. It was as if he was not a penniless job seeker, but a millionaire with rich family assets. Slowly, Zhang Miao also figured out the whereabouts of Shen Zhiguo's money in those years: although the company provided food and accommodation, he often had to get together with friends, and every time he got together, he had to pay the bill, so he was not only a famous "moonlight clan", but also a famous "neet clan"-he had to reach out to his parents to maintain his previous expenses after his salary was spent. Although I have only a few tens of dollars on me, I still don't want to take the bus. I would rather spend the last copper coin and take a taxi. Although most of the girls in the same trade are richer than him, they still don't want to travel with them, because "AA with girls is a thing that makes men lose face" ... When I lent money to Shen Zhiguo, Zhang Miao finally couldn't help reminding him that you are a person who is almost thirty years old, and people say that you stand at thirty. What can you stand? Start a business? Do you have capital? You said that it is a particularly shameful thing for girls to be AA. Is it shameful to borrow money from girls? You are willing to pay for your friends, and you enjoy it. You think this 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 and a car, but you still have nothing, are you still in a generous mood ... In order to make Shen Zhiguo get rid of his bad habit of extravagance and waste, Zhang Miao cruelly set a date for him to pay back the money, because she knew that according to Shen Zhiguo's way of spending money, even if he was looking for a job with a monthly salary of tens of thousands, many men in their twenties had similar problems with Shen Zhiguo. They don't care about money because they don't have the burden of family like men in their thirties and forties. They feel that they are still young and there are many opportunities to make money in the future; They have a good face and think it is shameful to haggle over every ounce; They think that money is earned, not saved ... But these men in their twenties ignore the fact that most of us are not Li Ka-shing, and we don't have a rich father to provide us with a lot of wealth. We are all working-class, living on a monthly salary. If we expect our life to get better and better, and have accumulated a certain amount of venture capital by the time we are 30 years old, then men in their twenties should realize the fact that there is no shame in being with friends AA, as long as you master the skills. Once, a boy suddenly said to his colleague, a fashionable and avant-garde girl, "Do you want to eat fish head hot pot?" The girl likes eating fish heads very much and agreed without thinking. Because a few days ago, the boy mentioned that he wanted to invite a girl to dinner, and the girl took it for granted that the boy wanted to invite her to dinner at this time. However, when it was time to start, the boy said to the girl, "Go and get XX." Without thinking, the girl said, "It's your treat again. Why don't you call? " Who knows, a male colleague next to him said, "how can there be such a thing as a treat?" Everyone AA. " The girl felt embarrassed at once. Although she attended many AA parties, such AA was hard for her to accept, so she said that she had something to do and ran away. In fact, nowadays women have become very independent and have enough economic ability to socialize and live. Most of them can understand men's difficulties and are willing to accept AA. If the boys above can let the girls know that this party is AA from the beginning, for example, when asking questions, say "Do you want to go to AA fish head hot pot?" I'm afraid the effect will be very different. Enjoy first, then suffer → lead a drunken life and dream of death → then have fun in suffering → miserable! Men in their twenties must make up their minds and do everything possible to tighten their belts, because this is not more than having deep pockets, but whether they have financial plans. Otherwise, the wealth gap between you and your friends of the same age will widen. In fact, it is not difficult for a man in his twenties to save 65438+ 10,000. The difficult thing is whether you have the habit of saving money. In the minds of men in their twenties who have never saved money, the most pressing big question is: "What can I do to save money?" Actually, saving money is purely a matter of habit. Any behavior that is repeated several times becomes a habit. And human will is just a driving force that grows out of our daily habits. Once a habit is formed in the brain, it will automatically drive a person to take action. For example, if you follow a fixed route to work every day, it won't take long to form this habit. You don't have to think hard, your thinking will naturally lead you to this route. More interestingly, even if you want to go to another place today, but you don't remind yourself, then you will find yourself on the original route unconsciously.