Economic Wisdom to Apply in Your Twenties

Chapter 30

Chapter 4, Section 2 Don't be a big spendthrift "cheating old people"

There is such a riddle, the answer to which is "always unemployed, two elders ate everything, three meals a day, weakness in limbs, good facial features, no recognition of six relatives, seven points willful, free and easy in all directions, nine (long) sitting still, very useless".

Have you already guessed it?Yes, the answer is an emerging group that we are no strangers to: the gnawing old group.

The so-called gnawing elders are young people who have reached working age after graduating from university, but still rely on their parents.

The gnawing old people are also called eating old people or Pang Lao people.It's not that they can't find a job, but they voluntarily gave up employment opportunities and stay at home. Not only do they depend on their parents for food, clothing, housing and transportation, but they often spend a lot of money.The elders are generally between 23 and 30 years old and have the ability to earn a living, but they are not yet "weaned" and have to rely on their parents for support.Sociologists call this group of people the "newly unemployed group."According to the statistics of relevant experts, in cities, 30% of young people live by gnawing on the old, and 65% of the families have the problem of gnawing on the old.

The Chinese clan has always had the traditional family values ​​of "raising children for old age".To some extent, the parenting of children is an investment, which can be rewarded after reaching a certain stage.However, with the increasing pressure of employment and the gradual adulthood of the only child, the ranks of "cheating old people" are expanding.

"Chewing old people" has become a special transitional stage for young people to step into society from "family treasure", but this is only a transitional stage after all. Everyone should try to shorten or avoid this transitional stage, so as to quickly integrate into society. adaptability.After all, "gnawing the old" for a long time will not only cause economic pressure on your parents, but also make you farther and farther away from the social employment group.

In our twenties, we are no longer children, and our parents cannot be our eternal financial backing.To bid farewell to the old life and achieve financial independence, what we need to do is to find a self-reliant job, reasonably regulate our own expenses, learn to invest, and strive for more income for ourselves and our parents.The "elderly people" who are used to being extravagant should start to learn to plan their own consumption. To move towards maturity and independence, start with economic maturity and independence.

In order to better improve their consumption behavior, the "elders" can improve in the following aspects:

1. Consider the use value of what you buy.Many purchases are made impulsively under certain temptations.Take a look in your locker, have you bought a lot of useless products?Pack them up and see if you can sell them online or in the real second-hand market, so that the useless goods for you can realize their use value in the hands of others, and you can also exchange for a fortune for yourself.After you have sold the piles of impulsive consumer goods, you may gradually understand what you usually love to buy but are completely useless. Be very rational and think clearly: "Do I really need to buy this thing?"

2. Choose the most favorable time to buy.When buying things, if we use our brains more, we can find that the timing of buying is also a very important issue.The rise and fall of commodity prices generally have certain seasonal rules. No one can predict the future trend of commodity prices absolutely accurately, but based on past experience, we can make judgments and roughly predict the probability and magnitude of future rises and falls , so as to make a decision on the timing of the purchase.

3. Select the appropriate payment method.The seller will also provide a variety of purchase methods, and you can make the most suitable choice according to your own economic strength.If it is an installment payment, the most direct question is how many years the bank has mortgaged, and the ratio of the interest obtained to the interest paid is the most ideal. Affect your life plan in many ways.The pressure of installment payment is not only the motivation to move forward, but also add difficulty to your life, but you have to see if you can bear this pressure.

4. Consider cost performance.When buying things, you should also consider whether the price-performance ratio is cost-effective, and try to buy the best products at the lowest price.The usefulness of the product to itself, the service life and the performance, service, brand, price, etc. of the product.This involves a lot of data, and the problem of choosing the optimal solution based on these data.The process from comparing the performance and price of commodities to making purchase decisions is actually a very complicated calculation process in people's minds.You don't have to have a good mathematical mind, but you must have a financial awareness of "preoccupied".

Some people say that those who know how to plan their own consumption are the ones who know how to plan their own life.Young people in their twenties bid farewell to "gnawing the old" not for others, but to prepare for their own future.Of course, when we say goodbye to "gnawing the old", we mean no longer relying on parents for financial assistance, rather than cutting off contact with parents.When we need to buy important items, especially expensive items, it is best to discuss with our parents and elder brothers, and let them give us rational analysis and suggestions, and decide whether we should buy them or not.Over time, we can also form our own set of mature consumption concepts and values, and bid farewell to the "old-fashioned" life.

Wisdom Pieces: Why "Eat the Old"

1. Pursue dreams: I have ideals for my actual work, but I have to achieve my ideals to meet my needs, and I may switch jobs all the time.

2. Loss of self-confidence: Due to the failure of work experience, there will be frustration for future employment, the confidence will be hit, and you will not dare to face employment again.

3. Autism: It is caused by the natural estrangement from the social environment since childhood, and the autistic personality makes them unwilling to go out of society and interact with others when they grow up.

4. Family doting: I have been expected by my family since I was a child, and I study hard only to meet the expectations of my family. I have a high degree of education but I don’t know how to plan for my future, so I become a rice bug mentality.

(End of this chapter)