Good article recommendation:30What will you use to support yourself in the new year?

Life is not only about the present, but also about the upcoming future. Are you ready?


Present and Future30How much correlation does the year have? Busy every day, my tie is crooked and my makeup is blurred,Why are you still a member of the "moonlight" clan? When it comes to the future, it's still a confusion, afraid of not being able to avoid it?


When you were a child, adults told you, "By studying hard, achieving good grades, and attending a good university, you can find a job with a high salary and good pay.".


Nowadays, you have graduated and started working. You work nine to five every day, striving to excel. On holidays, you go out with friends, occasionally exercise, and occasionally gather with friends to watch moviesShoppingAlthough I'm a bit tired, I still have a good time.


that30What about after the new year? Have you ever thought about yourself30Life after the New Year?


Holding my spouse's hand in the Aegean Sea of Greece, counting my past feelings? Or living in a small house, porridge with pickles every day? Everyone will gradually grow old, but no one wants today's income to be less than yesterday; Everyone hopes for a long life, but no one wants to live a desolate life in old age. Have you ever calculated the future30As a parent, how much education and marriage funds do you need to prepare for your children this year? Have you calculated how much funding you need to maintain your current standard of living after retirement?


As I gain more experience in financial planning, let's take a look at the intensification of the middle-income trap crisis in China. I have carefully considered some things and will take note of them.




Young people rarely imagine old age life




Young people have many immediate problems. How could a girl who is struggling with whether or not to buy this bag think about retirement? Moreover, the thought of aging oneself is truly uninteresting.


However, if nothing unexpected happens, we will all live to old age and need to live with dignity, dignity, health, and self-sufficiency.


Nowadays, people gradually no longer have the concept of raising children to prevent aging, and having children makes it impossible for them to rely on them financially. Instead, they feel that even in old age, they still have to work as a helper, which is a very embarrassing way of survival.




I often see elderly people collecting discarded newspapers on the subway




In the crowded and swaying carriage, they carried heavy bags and struggled to squeeze in and out amidst everyone's complaints.


Some of these elderly people have difficulties living, but some are said to come from decent families. So, why do people from well-off families also go to collect newspapers?


There are also elderly people collecting waste in the community. With the housing prices in Beijing, Shanghai, Guangzhou, and Shenzhen, they have two to three million yuan. Why do they flip through the trash cans every night?


It can be imagined that they are holding onto a pension with no other income, feeling like they are sitting on empty ends, and their children may not necessarily provide financial support and care. In addition, they are very pessimistic about their future (only an older and weaker future...), and this psychological feeling is so terrifying that people really want to do something and seize something they can control.


What is dignity? Of course, it can be avoided.




This book《30"What do we use to support ourselves in the new year" was written by a Korean




South Korea and Japan have experienced a period of rapid economic growth and have entered the ranks of moderately developed countries, with economic growth slowing down. For our future, their current social situation is of great reference value.


Compared to Japan and South Korea, the middle class in China is currently more unstable.Ye Tan's statement that "China's wealth distribution and formation methods have distinct characteristics, and the middle income class and impoverished groups are more vulnerable." is very reasonable.


Like Japan and South Korea, China is also gradually entering an aging society. The burden of social pension is gradually increasing, and the pension gap is increasing year by year. The national pension system also faces increasing risks. There is a recent saying that China today is probably9Raised by billions of people5The situation of billions of people, and18In the future, we will face5Raised by over a billion people9A situation of over a hundred million people.


As the birth rate decreases, the vacancy rate of houses will increase, and a generation later, the real estate market will inevitably experience a recession. If one blindly invests in real estate and pays excessive mortgage interest when young, the future economic situation will be very unstable.


In fact, the housing price foam is quite serious now, and the housing price also has an obvious downward trend. Even the real estate tycoons are no longer optimistic about the housing market this year.




In order for people to become wealthy, healthy, and dignified in old age



To put it more intuitively, there should be no psychological need to go to the subway to pick up discarded newspapers,Please start saving more money from now on, reduce high consumption, exercise, the earlier the better.




Five steps to achieving a worry free life




Firstly, you need to understand your net worth situation.


Perhaps you now have a house and a car, looking like a successful person, but if you bought a house and a car with a loan, then the house and car are not your net assets. The remaining value after deducting liabilities from the total value of the house and car is your net asset.


Secondly, it is important to understand one's monthly income and expenditure situation.


Living within your means is the only way to get rich. Don't use "income" anymore-expenditure=The practice of "depositing" needs to be corrected to "income"-deposit=Spend as much as possible on your income50%It's impossible to save it,30%，20%, and even10%You can also save a portion of your income. Next, calculate your next working hours. Assuming you retire at the legal age, how many more years do you need to work?


If you want to retire early, what is the remaining time? You need to have a clear understanding of these. The next step is to set one's expected retirement standards and continue to invest in retirement life. As I mentioned earlier, assuming you30After the new year, you will need 50000 yuan per month to sustain your daily life. How much do you need to invest now so that you can save enough capital? Once you have figured out this problem, you can start taking action.




Investing in oneself - the most appropriate way to invest




When we were young, we felt that the age of fifty or sixty was approaching the end of our lives, but with the advancement of medical technologyWith the gradual improvement of human material conditions, the average life expectancy will become longer and longer in the future. If30The average life expectancy after the year is close to100Years old, so live to50Sui is only half of life,50Age should be the starting point for the second half of life.


So, the most important thing is to find a job that can be cultivated for a lifetime.This may be difficult because many professions will be phased out over time.


Maintaining the habit of learning and keeping up with the times is particularly important.For example, in our Internet industry, others say that the starting salary in your industry is really high, but we know that our industry is young. Because technology is introduced every year, the skills you mastered last year may not be suitable for this year. When it comes to learning new things, you don't learn as fast as young people, nor do you have the drive and passion of young people. Therefore, in our industry, the older you are, the less valuable you are. What can we do then? Do you accept fate? That definitely won't work. You still need to work hard and optimize your situation as much as possible. So, even if you are old and not young, you should make it easy to adapt to the changes of the times, tap into your own potential as much as possible, maintain the habit of learning, and constantly add value to yourself.




Potential for Prosperity - Sidelines and Entrepreneurship




We mentioned earlier that you need to find a job that can be cultivated for a lifetime, but assuming that your current job does not meet this requirement, you can try to develop a side job or start a business based on your hobbies and areas of concern. In addition, when looking for a side job that can be continued after retirement, do not fantasize about earning a large amount of income through a side job.


Because when people retire, they should have accumulated a certain amount of income and the investment in their children's education is basically over. Therefore, it is quite good that the income from side jobs can account for half of the total income. There is no need to force oneself to create a large amount of wealth through side jobs or entrepreneurship.More importantly, do not let your side job affect your job. If you lose your job because your side job is not done well, wouldn't it be like losing your wife and losing your army?




Managing funds and managing life




The so-called fund is an investment product in which specialized institutions gather customers' money together and, through their own operations, return all the remaining income after deducting transaction fees to customers.


There are many benefits to fund investment, and the biggest one is that we don't have to use too much brain power on itJust entrust the fund management company to take care of it, and we can focus all our energy on our own job, which not only does not delay the work in the workplace, but also achieves high investment returns.


There are five principles for the success of fund investment, namely three core principles and two subsidiary principlesThe three core principles are "selecting excellent funds", "diversifying investments", and "long-term investments". In addition, the two principles are "finding investment orientation that suits oneself" and "actively listening to expert opinions".


If a good fund is chosen, the belief that it will rise in the future and the will to sell it at no low price are indispensable. By doing so, the myth of unbeaten fund investment will become a reality.


Recommendation 1:from30Starting to save money at the age of40It's much better to start at the age of, because saving money involves compound interest. Every year mentioned in the book10%reach15%The rate of return refers to the average compound interest of a 30-year investment, which is too optimistic to be relied upon. But saving is still necessary


Recommendation 2:The interest rates on credit card debts are very high, so it is important to live within your means and not become a card slave with a shiny appearance but trembling like a deep abyss.


The unfortunate creature "Kanu" did not appear in modern times. In ancient Babylon, Rome, and Tang Dynasty China, there were people who became slaves due to debt. A recent ancient book also advises ordinary families not to borrow money for marriage just to save face. Madame Bovary's last desperate situation was also due to borrowing, consumption, and high levels of debt. Regardless of the era, it is common for people to enjoy excessive consumption.


Suggestion 3:Cars are the most common consumer goods in daily life. Although cars are not expensive compared to houses, buying a car is a way to consumeThe starting point of fees is not the ending point: fuel costs, insurance, parking fees, car maintenance, lost time stuck in traffic, and... didn't you receive a $2000 fine last year? Please think twice before purchasing a car.


One in the book24The first step for a year old card slave girl to make a comeback from her financial advisor is to sell her car.


Suggestion 4:In the book, it is recommended not to blindly compare and invest excessively in children's education. Setting aside one's own pension is the greatest support for children in the future. Moreover, only financially capable elderly parents can truly earn their children's respect (how realistic it is).


In the book, a high-income person sends a pair of junior high school children to study in the United States, and his wife resigns to take care of them. Coupled with a mortgage, they are almost unable to make ends meet. He was mentally exhausted, lonely, and in a state of poor mental state. He was afraid of everything at work and instead fell into a mess, reaching the brink of being fired.


Parents feel that "it's a bit harder now, just grit your teeth and get through it"? Don't worry, when you're about to retire, you have to empty your life savings because your children are going to have weddings and buy a house (South Korea and China are really similar!)


Suggestion 5:From a young age, be prepared to cultivate your professional skills and hobbies, and continue working after retirement.


There are two successful examples in the book. A TV station executive, after retirement, established an advertising company and continued to work through his network. An old man who loved carpentry designed and made traditional handmade furniture after retirement. The supply was in short supply and he broke into a Xintiandi.

doName: Gao Decheng, Zheng Chengzhen, Cui Bingxi