Rejecting 996, the capital of the whole world is broken

Chapter 106: From simplicity to luxury is easy, from luxury to frugality is difficult

The topic of pre-consumption resonated strongly with the audience.

It is true that the current era is very competitive, but in reality, people do not gain much personal benefit from it.

Roll does not mean that you can move forward or succeed.

The most it can do is to keep you from retreating. How many people have been working for ten years and still haven't made any progress.

They also have dreams and think that hard work will eventually pay off, but the reality is not so.

Your coupon can indeed create a lot of benefits, but these benefits do not belong to you.

Can I accept this? Of course not!

After working so hard, why can’t the quality of life be improved?
Why can't I have a better life?

As a result, pre-consumption came into being.

In the beginning, pre-consumption served people who wanted a better life.

As time goes by, as the concept becomes more popular, or as various so-called practical examples emerge, pre-consumption has a new name: emergency!
Yes, it can help you deal with emergencies and get you through difficult times.

When there is no over-consumption, if your family member is seriously ill and you cannot afford the medical expenses immediately, you will be in danger of suffocating.

With it, you don’t have to worry about it. You can use various software to deposit your money instantly, which is safe and worry-free.

You paid the medical bills so well.

But in fact, it just postpones the current difficulties.

Next month, or the month after, the advance spending that previously helped you will become your biggest enemy.

When you borrow money from friends, at least there is a personal relationship involved. If you are really short of money, most of your friends cannot force you to death, but overspending can really kill you.

It is far more ruthless than the hospital cashier window and makes you scratch your head even more.

Only at this point do you realize that the difficulties you encountered back then are nothing compared to what you are facing now.

We have to admit that pre-consumption has its unique charm and function, but at the same time, the consequences are also very serious.

At least 97 out of a hundred people are out of control and will face catastrophic consequences.

Because this is the consequence of pre-consumption, and this is how it makes money. A bunch of so-called big names sat together and came up with this thing. Why? To spread love? Hehehe.
First of all, they use various publicity and examples to attract you into the trap.

Wouldn’t it be nice to get the things you like in advance?
You don’t have to ask anyone for help or resort to favors to overcome your current financial difficulties. Isn’t that great?
Isn't that good enough? I'll give you no interest for the first month. No matter how much you borrow within the loan limit, as long as you pay it back in full in the second month, I won't charge you a penny. Isn't that good enough?

It’s okay if you can’t pay it back right away, we can arrange installment payments for you!

If 12 issues are not enough, how about 24 issues? 36 issues should be fine!
Just do the math, if you borrow 3 yuan, you only have to pay back a little over 1000 yuan every month. Isn’t that a piece of cake?
Taking a step back, even if you really encounter difficulties this month and cannot come up with more than 1000 yuan, it doesn’t matter!
You can borrow the money you paid back again!

The main feature is that it is recyclable, ensuring you have a worry-free financial journey!

At this point, most people who have needs will compromise, whether they really think it's worth it or are just confused.

As for the issue of interest rates, of course some people will care about it.

But most of us are ordinary people. Who among ordinary people is so good at math?

When you see something like 0.01th of a thousandth, and then add in some superposition loop or something like that, you will only get more and more confused the more you calculate.

In the end, I just thought it was only a few thousandths, not much, and I could just deal with it.
From here on, we officially entered the pit. We went back and forth, getting farther and farther away from the shore.

A few months passed like this. At the beginning, the monthly income was more than 1000 yuan, which slowly increased to more than 2000 yuan and then more than 3000 yuan. It was like a frog in boiling water. It seemed as if it didn't hurt at all, and it wasn't much more.

If we think of some way to make ends meet, we can still hold on.

After all, it is already difficult to lower the living standards. What's more important is that you can make money and maintain your life just by clicking your fingers. Why not do it?

Yes, of course I know that I owe more and more, but how much more can I owe? Isn't it still manageable? And I know roughly how much I borrow each time, and I can still handle it!
After another year, you will gradually find that some platforms no longer lend to you, and you can only repay but not withdraw.

Even if only one platform is like this, the consequence will be that your entire capital chain will be broken!
At this point, the situation was urgent. I mustered up the courage to seriously calculate the debt I owed. It was really hard to repay it!

This interest rate is too high! How did it go from a few thousandths to a few percent? How come there is also revolving interest? ?

I didn’t understand it before, and I still don’t understand it now.

The only thing I can understand is the bright numbers and the repayment date!
At this point, you are powerless, you are stretched to the limit, and your little hands that could make money can no longer make money.

At this point, it is time for those platforms that have engaged in pre-consumption to close the loop and make a profit!

The method is very simple and crude, in one word: force.

First there were a constant stream of reminder calls, then there were a variety of slightly threatening collection calls, and then there were lawyers' letters, third-party mediation, and door-to-door services.
Anyway, it can make you exhausted and make you feel ecstatic.

This money must be repaid unless you die.
It doesn't matter if you don't want to tell your family or friends, they will help you.
In the end, you will be the one who compromises.

Their nets were plundered and the profits were reaped.

And you did enjoy a short period of time, but the price was not worth it at all.

You may be separated from your wife and children, become notorious, and lose everything, and your credit rating may be ruined.
At this point, you are no longer of value to their advance consumption, and of course they will not stop. They will go looking for the next you, and many more of you.

The concept of pre-consumption cannot be said to be bad, but it can only be said that it is not suitable for most people.
Especially working people.

That’s why Song Wen said this is the most dangerous, even more dangerous than physical health problems.

Because there is no greater sorrow than a dead heart. Hospitals can cure diseases but cannot help you deal with your debts.

Now, the cameraman doesn't need Song Wen to answer anything anymore.

You can enjoy life if you have money, and you can enjoy life without money.

This is Song Wen’s lifestyle. It may sound lame, but it is the most practical.

If you are unwilling, then wait to fall into the abyss.

After experiencing the life of a multi-millionaire for a while, Song Wen was still so open-minded and insightful. The cameraman really admired him from the bottom of his heart.

After all, it is easy to go from simple to luxurious, but it is difficult to go from luxurious to frugal!

At this moment,

Song Wen's cell phone rang:
"Mr. Song, I'm Jiayi. Your car will be in the store tomorrow!"

"Do you have time to come and inspect the car tomorrow?"

Song Wen's face lit up: "Okay, I'll go there tomorrow at noon."

(End of this chapter)