For men;
A man must have ambition. A man without ambition will accomplish nothing.
1。 At the age of twenty, I still don't know anything about the world. This is the scariest thing. I remember an old saying, "it is true to remove the impossible, even if the rest is impossible." Many times, the root of all problems lies in our refusal to accept the truth. Only by actively understanding the laws of the world can we have the strength to avoid the harm brought by reality.
2。 In our twenties, we used to think that money was earned, not saved. Under the guidance of this concept, we happily became a "moonlight clan" or even a "daylight 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!
AA with girls is a matter of losing face for men. " ...
They have a good face and think it is shameful to haggle over every ounce; They think that money is earned, not saved ... (I don't care about the money lent, I care about the money spent. )
We are all working-class, living on a monthly salary. If we expect our life to be better and better, and we have accumulated a certain amount of venture capital by the time we are 30 years old, then we must learn to invest and manage money in our twenties to make our wallets richer and richer.
3。 Deposit 65438+ ten thousand first.
Why do you want to save it to 65438+ million first? This 65438+ million is just a starting point. I remember when I graduated from college, I worked in a trading company. At that time, my life was really comfortable and my salary was not bad. The most important thing is to spend all my money-renting a house outside, singing KTV and being with my friends when I am free. Go to a coffee shop to taste coffee; Travel to your favorite scenic spots during the long vacation. I spend my salary properly every month, thinking that I still have a lot of youth to earn money back.
When I was 25 years old, one day I met my high school classmate-he still looked as simple as in high school. He worked in a very ordinary software company. He is very happy to chat with me. I thought his life must be very depressing, so I invited him to have coffee.
At first, I was happy to share my "quality of life" with him. Unexpectedly, after a few words, I found that this humble male classmate actually saved the first sum of 654.38+ 10,000 in his life with three years' low salary. After graduation, he saved part of the money he earned every month to buy insurance for his family. He told me that after half a year, he would take this 65,438+million to study for an MBA. At that time, my mind suddenly emerged:
One day when he was comfortably listening to music in the house he bought, maybe I was still scrambling to rent a good house.
One day, when he is driving around the street in his car, I may still be crowded on the bus.
One day I went to a big company for an interview and found that the interviewer was actually this classmate who was not as good as me before.
He has saved 65438+ million now. /kloc-Will there be millions or tens of millions in 0/0 years? And I don't even have 1 ten thousand! 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, saving up to 65,438+10,000 yuan first. Because, this is not deeper than wealth, but whether you have a financial plan, otherwise, the wealth gap between you and your friends of the same age will become wider and wider.
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.
If a man in his twenties wants to have more choices at work and live a more free and easy life in the future, he must form the habit of saving money now, no matter how uncomfortable this habit makes you at first. Once you get into this habit, you will find that it's no big deal and it feels great-having more money makes you more confident, confident and secure.
4。 To build a rich life, you must learn to manage your money rationally.
Wang Dong and Deng Haoran are college classmates and work in the same city after graduation. At the beginning of their work, their income was not high and their savings were very small. However, the next year, Deng Haoran told Wang Dong that he was ready to buy a house. At that time, Dong Wang's eyes were wide open, thinking that what he heard was a fable. In his view, buying a house in this land-intensive city is not a fledgling teenager, and even people who have worked for many years and have little savings dare not act rashly. However, according to his own observation, Deng Haoran believes that buying a house at this time is an excellent opportunity. Although there are only tens of thousands of deposits on hand, with the support of the family, it is enough to pay the down payment. Other, monthly payment. As expected, the value of this house doubled in the second year. Deng Haoran sold it decisively and bought himself a small apartment and a car with the money from buying a house. In this way, in the third year after graduation, Deng Haoran easily became a homeowner with his excellent financial management ability. As for Wang Dong, because he knows nothing about investment and financial management, he is only used to keeping his monthly salary in the bank. In recent years, the figures in the passbook have indeed increased a lot, but he has not seen the factors of rising prices and currency depreciation. Although the money in the passbook is increasing, its purchasing power has not increased accordingly.
5。 Putting money in the bank is the most basic way to manage money. When saving money, it can be divided into two parts, one is semi-annual and the other is current. In this way, the daily expenses are not affected and the interest income is maximized.
6。 Insurance: Protecting the Future
7。 Although we are still young, we still have to face the problem of providing for the aged in the end. If we invest our monthly balance in the fund, it is the best choice. Because the snowball compound interest growth of the fund can bring you rich returns, and it can also avoid market risks like stocks, so that the pension will not hit Shui Piao because of the stock price crash.
However, the investment of funds has ups and downs. Men who buy funds in their twenties must always pay attention to the latest financial changes, choose the right fund company and care about their investments at any time. They can't just save money regularly and then ignore it, and then expect a very good return. Start with global equity funds and global bond funds scattered in regions, industries and currencies, and let your small money travel around the world as a basic entrance.
Without good planning, most of the time will be spent in confusion and burnout. Men in their twenties must fight for it. Although most people in this society are unlucky losers, if you don't struggle, you may always be unlucky. If you struggle, you have at least a chance to become an accomplished person. Man, who wants to be a loser, a useless silver wax spear?
Since we came to this world, we have an obligation to make ourselves better off and the people we love better off. When you have nothing, you can't even take care of yourself. How can I take care of the girl I like?
Anyone who has studied English knows that if you keep learning English every day, after many days, you will miraculously find that your English has made a big step forward unconsciously; And if you fish for three days and dry the net for two days, those familiar English words will gradually become unfamiliar. As the saying goes, "persevere, why sleep at night?" ? "Nothing is more useless than being exposed to the cold for ten days." No matter how eager you are for success, please try to make yourself better today than you were yesterday!
Most of us subconsciously think that continuous learning every day is only in school; Now that I have graduated, it's time to make achievements in my work. Under the guidance of this subconscious, most of us only pay attention to salary and position, but ignore the improvement of our own quality. You forget the fact that your diploma and experience can only represent the past. In the future work, only those who have the courage to take responsibility and make changes and progress every day can become an excellent person.
It is not difficult to make a little progress every day. You don't need to spend a lot of effort every day, die a lot of brain cells and sweat a lot. You only need to make a little effort and gain a little knowledge. It is not easy to make a little progress every day, because any progress will not fall from the sky and cannot be easily obtained. It must go through some hard work. Make a little progress every day. More important than difficult. "If you swim against the current, you can go back to Chihiro with all your might." . To "make progress every day", we must endure loneliness, not be impetuous because of small gains, not waver because the goal is still far away, but have perseverance; Resist pressure, don't be afraid to back down because of obstacles, don't be depressed because of setbacks, and have the courage to overcome difficulties; We should also be able to resist interference, not be distracted by the feast, and stop to be sarcastic without hesitation, but concentrate. Perhaps we also realize the importance of charging, but it is always impulsive or impulsive. When this impulse passes, we will return to our previous laziness. Why do modern people clamor for losing weight every day, but few people can really lose weight? The reason is that they didn't persist. In fact, if they persevere and lose a little weight every day, they will get the figure they want one day.
75% of unemployed adults have dyslexia; 43% adults with low cultural skills live in poverty; 70% of prisoners have the lowest literacy level. These depressing statistics further prove this obvious phenomenon: in the information age, a person who doesn't read or doesn't want to read will become poorer and poorer, while a person who can read can become rich through reading.
Reading a book may not improve your knowledge immediately, but reading a useful book can deepen your understanding of yourself and the world. The beauty of reading is that it can generate power through insight and change your life immediately; You can also accumulate knowledge that gradually changes people. Either way, reading can broaden your horizons and make you grow in unexpected ways.
Men in their twenties always have beautiful fantasies before they start working, believing that their talents can be put to good use, that their ambitions can be realized soon, that the world is fair enough, that as long as you pay, there will be returns, and that gold can shine ... However, the reality is often not like this. It won't be as beautiful as fantasy because we have a beautiful fantasy. If we look at the world according to our original thinking, then we will gradually be disappointed in the world. What we have to do is to change the world by changing our mentality.
Maybe you insist again and again: I don't want to make myself unhappy, which is uncontrollable. Then you might as well imagine a situation: you are in a house, you feel upset, there is no sunshine, no fresh air, and the feeling of depression and suffocation fills your whole body and mind. At that time, the sun was shining outside and birds were singing and flowers were singing. It's just a window, blocking sunlight and fresh air from entering your world. All you have to do is open this window. However, it is a pity that in real life, some people would rather go crazy than control their emotions, and some people simply give up their efforts and drag out an ignoble existence, because in their view, the pity given by others is more valuable than their optimism.
Everyone is the result of their own creation, and whether they are happy or not is up to them! In a restaurant, you may often get angry at the poor service quality of waiters, but "sunshine boy" and "sunshine girl" will choose to leave the restaurant or take other measures, but they will never bother themselves. These "sunny" people can always find ways to be happy: boring banquets and business meetings become good places for them to cultivate new emotions; They may not learn to like traffic jams, but they can replace fidgety waiting and meaningless complaining in other ways: whistling, humming songs or exchanging some interesting messages with friends on their mobile phones; When bored, they will use several key words to reverse the theme of the whole conversation; They will delay losing their temper for thirty seconds; They can turn heavy sighs into deep breaths. ...
Excellence is not a temporary act, but a habit. Excellence or mediocrity is a habit, which first comes from one's attitude. You are used to doing what you handle best, which shows that you have excellent habits; You are used to treating your work casually, which shows that you have a mediocre habit. So, don't underestimate what you have done, and don't think too much about what you can get by doing so. Form an excellent habit, and you will get the best return in life. People with excellent habits will be more attentive and focused than the average person, so it is easier to find opportunities than the average person.
Forming good habits is the guarantee of success. If you want to succeed in many aspects, you must form good habits in many aspects. If you want to be a healthy person, you have to develop good hygiene habits; If you want to be a moral person, you must develop civilized and polite behavior habits; If you want to be an accomplished person, you must form good work habits.
Men in their twenties may not understand that happiness cannot be achieved by one person's unilateral efforts. If one side works hard and the other side enjoys success, it will inevitably lead to uncoordinated pace and many contradictions. What's more, the competition in modern society is so fierce that it is not easy for men to deal with personal affairs. If they add more burden to women's future, they will definitely fall even worse.
8。 Lack of life goals. Among the people studied, 9.98% have no "life goal", which is probably the biggest reason for people's failure.
9。 Lack of self-study ability. People who have the highest academic qualifications in history are almost all "self-taught". The so-called "educated" people should be regarded not only as people with academic qualifications or diplomas, but also as people who work hard and gradually realize their wishes with their own knowledge.
10。 Not enough self-training. The first step in training yourself is to manage yourself. First of all, we should improve our negative personality and learn to dominate ourselves first and then others. However, it is not easy to control yourself, because everyone has a positive self and a negative self. Only by working hard to overcome the negative self can we make continuous progress.
1 1。 Lack of determination. Winners are resolute and decisive, and will not change without special reasons. Losers are indecisive and easy to change their plans; Besides, indecision and procrastination are twin brothers. As long as you have one, the other will follow, so you should get rid of them before being bound by the twin demons.
12。 I chose the wrong job. If you can't always like your job, it's hard to succeed. Therefore, the most important thing is to choose a job that allows you to devote all your energy and body and mind.
13。 Choose the wrong friend. This is the most common reason for the success or failure of a career. In order to maximize their potential, we must make friends with positive and smart winners. At work, choose friends who can compete.
14。 Choose the wrong spouse. Marriage is the most intimate and important of all interpersonal relationships. Therefore, it is no exaggeration that either the husband has it or the wife has it. Marriage on the rocks is the worst, most unfortunate and most desperate for these losers.
15。 Inertia "Tai Chi", shirking, the day after tomorrow-this potential inertia will spread to the whole body like cancer cells, destroying the chance of success.
16。 Lack of endurance. In most cases, those excellent founders will become sad terminators, even if it is temporary. If you fail once, you will lose hope and fall into despair.
17。 Exclusive personality. As we all know, people who betray others will not succeed. If you want to succeed, you must get the cooperation of others. People with exclusive personalities will never get help from others.
18。 The bad influence of childhood. Many people who are prone to crime are caused by the harsh environment or interpersonal relationship in childhood. This bad influence often haunts his life. From this, people not only understand the wisdom of "Meng Mu's Three Movements", but also understand why she moved repeatedly and tirelessly.
19。 Lack of ambition. No one can help a person who is indifferent to progress or stingy with his own efforts, but wait for himself to wake up. The so-called "bucket that can't be lifted" and "wall that can't be lifted by mud" all mean this.
20。 Too persistent. It is not good to be too persistent or not persistent. The key is to understand the current situation. People should be satisfied from different opportunities.
2 1。 Lack of concentration. People who want to reach out for everything often can't catch anything. It is very important to converge the ultimate goal of life and be a dedicated person.
22。 Narrow-minded people can't be leaders in any field.
23。 Lack of cooperation spirit. People who like to go it alone often can't succeed, because no one can succeed without cooperation.
24。 Lack of enthusiasm. A person without enthusiasm is hard to succeed, because without enthusiasm, he will easily choose to give up at a critical moment.
25。 Have the habit of wasting. Black sheep will not succeed. It is important to form the habit of accumulating wealth. With savings, you will have courage and security at some special times, such as when you need time to find a job or have special needs after retirement. In some cases, there is no freedom of choice without money. No matter what others offer, they can only be obedient.
26。 Have a disease. No matter how successful, there will be no happiness without health. However, the biggest cause of diseases is often the lack of self-management in the first place. For example, "diabetes" is called "habitual disease" because people usually don't pay attention to moderation.
27。 This is too easy to get. Power that you don't work hard for or things that are too easy to get are more dangerous than poverty.
A young man once asked Socrates, a great philosopher, what was the secret of his success. Socrates took the young man to the river and asked him to accompany him to the river. When the river didn't reach their necks, Socrates pushed the young man into the water when he wasn't looking. The young man struggled desperately, but Socrates was strong and kept the young man in the water until he was dying. Socrates pulled his head out of the water. The young man took a few quick breaths after coming out of the water. Socrates asked, "What do you need most when you are in the water?" The young man replied, "air." Socrates said, "This is the secret of success. When your desire for success is as strong as your desire for air, you will succeed. " Men in their twenties might as well ask themselves, how much do you want to succeed?
When someone praises you, you should look at yourself realistically to see if it is true; Don't give up when others belittle you. Only you can really know yourself.
Every era has its own progress and sorrow, and complaining blindly will only make you smaller and smaller in front of the big environment. In this fast-paced era, it is very dangerous not to face up to the present, not to look forward to the future, and to lack a forward-looking mentality.
Maybe the people around you used to live worse than you, and you think this is normal and should be; Now that someone else has been promoted, started a company and has money, you are not used to it and feel abnormal. This is a very unhealthy idea. It is unrealistic to expect others to continue to lag behind and develop on their own, because you have a blind spot and misunderstanding, and look at the development with a static eye.
Why do companies often criticize us for being "too ambitious"? Why do our elders say that we are "not firm"? Why are we full of pride and passion, but we still can't get the "heavy responsibility" from the boss? Why do you get a scholarship from a prestigious school every year, but you can't get the favor of the employer? ..... because I didn't face up to the present and didn't realize that I had just left school, except for a diploma and various certificates, the skills and quality of other related occupations were extremely poor.
For our parents, work means "iron rice bowl" and "long-term meal ticket". However, the workplace we face today is completely different from that of our parents. Our "rice bowl" has become very unstable, and the crisis brought by competition fills every corner of life. What we are doing now may be lost at any time. So, how will we gain a place in the future competition?
A man in his twenties can't be naive enough to think that he can easily find a job with various certificates and diplomas. You will lose your job at any time. It is only true that you have strong competitiveness. Men in their twenties might as well regard themselves as brave gladiators, go forward bravely and constantly improve their combat effectiveness.
Impetuousness has almost become a common problem for men in their twenties. Faced with the cruel reality that there is a huge gap between ideal and reality, many men in their twenties have a feeling of being at a loss and impetuous. This impetuous mood has the following manifestations in daily life: impetuous, fickle, want to stop; Looking for trouble, moody; Anxiety, suffering from loss; A hammer in the east and a hammer in the west are both fish and bear's paw; Looking at another mountain, this mountain can't calm down, can't bear loneliness, gives up easily when it is slightly unsatisfactory, and never wants to go all out for one thing, and so on.
Why are many enterprises unwilling to accept graduates now? The reason is that graduates are generally impetuous, unwilling to settle down and do a good job, and even more unwilling to pay time and energy for a job. While sighing that "talents have not met", while despising what you are doing, I always hope to get it done in one step. The golden hoop of "standing at the age of 30" hangs high, and countless cases of success at a young age, such as Ding Junhui, Liu Xiang and Li Xiang, make people feel eager ... In this age full of temptation, everyone is eager for success. Almost everyone dreams of waking up to be the richest man in the world. Most men in their twenties think that they are destined to be human beings and deserve to enjoy luxury cars, but they ignore one thing: most people who own luxury cars are obtained through solid struggle. Impetuousness has become a big obstacle to the success of men in their twenties.
When you overcome your impetuousness, don't forget to strengthen your self-cultivation. This is not only a traditional concept, but also a requirement for us in real life. It is not only what successful people must insist on, but also what countless unsuccessful people must strive to achieve.
Avoid frequent job hopping
It is not difficult to find such a phenomenon in the workplace: old employees rarely change jobs, and they will not make such a move unless they have to, but those young people who have just worked for a long time are often easy to change jobs.
There are three reasons why men in their twenties frequently change jobs: First, they are impulsive and emotional. Many men in their twenties always think that their next job will be better without realizing the workplace situation. Therefore, when they encounter setbacks in their work, they will choose to jump ship to seek relief. The second is to be eager for success. Men in their twenties are eager for success, which often blinds their hearts and makes them unable to settle down and treat a job well. Third, haggle over every ounce, money is paramount. Many young people completely ignore their intangible assets accumulated in the original company and their career plans just because the salary of their new job is several hundred dollars higher than that of their original job, and easily jump ship.