Earn 3 million after 100 years of graduation

Chapter 2 The purpose of coming to a big city is to make a lot of money

You can't wait for the first part to make money, it must take three years, otherwise the day lily will be cold
We live in a commodity society, and money is a necessity of life:
Money is the guts of a man;

Money is a woman's face;

Money is the root of life;

Money is the umbrella of marriage;

Money is the fire of love;

Money is a free lock.

It is impossible to live without money.

To live is to have money, to be a rich self.

1 Making money has nothing to do with academic qualifications. Second-rate colleges and "bad" majors can still make a fortune, and graduates from elementary school can sell "combs" for 6 million yuan!

Three years after graduation, it is a hurdle. More than 80% of young people are at this stage. They have dreams but can't find their direction; they can't let go of their ambitions and can't find their pride.It seems that my "bad" background, "bad" school, and "broken" major have become an inescapable curse that prevents me from turning over forever.At the same time, you have graduated for three years, and you have certain working experience and professional experience in the society. This is exactly the time for you to make money.

If you read the growth background or biographies of successful entrepreneurs, they used to stand on the same starting line as you. Their backgrounds are not more prominent than yours, their education is not much higher than yours, and their majors are not more popular than yours.

Zhang Ruimin also expressed the same meaning in the last show of "Win in China" in 2006.From the stories behind many, many successful people, three points can be summed up:
First, successful people are also ordinary people; second, the success of an entrepreneur has nothing to do with academic qualifications; third, success in the business world is related to personality, and their personality and character determine whether he can succeed.

Let’s take the “Ma Yuns” you worship as an example. Ma Yun graduated from Hangzhou Normal University; Ma Huateng graduated from Shenzhen University in 1993 majoring in computer science. Can be regarded as a marginalized person in Shenzhen; Ding Lei graduated from China University of Electronic Science and Technology, which is far behind Tsinghua University; Red Star Macalline's Che Jianxin was a carpenter, and Bosideng's Gao Dekang was a tailor.Jack Ma, in particular, has swept away thousands of IT professionals with backgrounds from prestigious overseas schools. He has neither such a high education background nor an IT background, but he has made such an amazing performance. It really surprised the grassroots class. A big promotion, a dream that an ordinary person may be able to achieve by bouncing around.Of course, there are also many well-educated entrepreneurs from prestigious schools, such as Robin Li of Peking University, but it is not the famous brand major of Peking University. It is called information management, but it is actually the original library department.Such as Shi Yuzhu, such as Ding Lei and so on.

It can be seen that a good background, prestigious schools, high education, popular majors, etc. are not the necessary conditions for a person to make a fortune. Some people even say that a high education is a stumbling block to success and a "reactionary" that affects a person's development and wealth accumulation. The reason is: people with high education are easy to find a job, but they turn themselves into subordinates at once; He thinks that he is very powerful and can handle everything, prefers to hire people who are not as capable as himself, and solve everything by himself.Therefore, they came to the conclusion that only by doing nothing professionally can they force themselves to do great things, and only by being famous in schools can they force themselves to be more famous.

So, what are the key elements for young people to change their destiny?That is the strength of character including personality and conduct.Let us try to analyze the characters of the great men.

First, they dare to take risks

Take risks, strike when everyone is against, crawl under the rain of bullets, and walk alone before the dawn. ... When they were only sixty to seventy percent sure, they made a move.

They have a very clear understanding that in an ever-changing society, what they can grasp is themselves—their ability and character, whether they can withstand all blows and failures; what they can grasp is the feeling that their products have a huge market space.There are many things that cannot be grasped, such as the selfishness of friends, the indifference of relatives, the competition of peers, the discrimination of society, etc., all of which cannot be controlled and grasped by one's own strength.

Second, they have vision
Foresight, in some people's eyes, is crazy talk.People with vision can see the direction of the Big Dipper in the dark; people with vision can find clues in the chaotic reality.Foresight can't solve the problem of survival, but it can definitely understand your future direction; foresight can't bring the dead back to life immediately, but there is hope for salted fish to turn around.Foresight is a kind of vision, foresight is a kind of character, foresight is a kind of courage, and foresight is a kind of courage.

People with vision will not stick to the trivial matters of the surrounding environment; people with vision, what they see is 5 years later or 10 years later; people with vision, what they see is the whole world; people with vision , They are willing to abandon the happiness and well-being in front of them for their own ideals.

People with vision may be difficult temporarily, but in the future they are kings and leaders!
Third, they differentiate

Differentiation is always the magic weapon for success.There is no difference between people, and they cannot highlight their individuality and have a deep memory.If there is no difference in the goods, it is impossible to show the value and achieve the highest profit.Doing the same things as others can only bury your own talents.Differences in time, distance, location, effort, means, direction... etc. Entrepreneurs understand that differentiation is the most important means to maximize profits.

Differentiation is a key element of business operations, and differentiation is a necessary means of managing life.Differentiation is the highest principle for obtaining high profits, winning quickly, and decisively fighting the market.

Therefore, academic qualifications and majors do not determine success or failure, especially the fate of big entrepreneurs and big shots.Liu Xiang didn't study at first, Huang Guangyu graduated from junior high school, Bill Gates dropped out of school and so on.Of course, we are not advocating that studying is useless, but we want you to let go of your academic qualifications and admiration for prestigious schools, and start from reality to make yourself stronger as soon as possible.In fact, a diploma is just a train ticket, with only the difference of "soft sleeper".There are soft sleepers for Tsinghua University, hard sleepers for undergraduates, hard seats for junior colleges, private standing tickets, and those for adults crowded in the toilet.When the train arrives at the station, everyone gets off to look for a job, only to find that the boss doesn't care much about where you come from, only what you will do!Success does not ask how you got here, it only cares where you plan to go!
When Ding Lei, Zhou Hongyi, and Ma Huateng started their businesses, most of them were around 28 years old. Now, with the rise of the mobile Internet, a new round of opportunities has come. Will you be the next Ma Huateng or the other Ma Yun?As long as you dare to think you can!
After 3 years of graduation, sharpen your weapons, sharpen your abilities, sum up your life experience, forget your idea of ​​not being a famous school and not a famous major, choose an industry, and understand it thoroughly.Fight for your first million.

2 Financial constraints, all love will quickly wither

When you just graduated, you thought that friendship could last forever. Even if you haven't seen each other for many years, you will still be a best friend when you meet again.There are no differences between rich and poor and class.

When you just graduated, you firmly believed that the power of love can overcome everything, as long as you can be with the one you love, you would rather only eat carrots and pickles every day, and squeeze the bus or subway to work every day.

Now, it has been three or five years since graduation. When you see your old friends are getting along well and you are struggling, is your friendship still original?When your girlfriend is surrounded by Gao Shuaifu who is chasing after her, will she still treat you like a guest?When your boyfriend works overtime and socializes in a hurry to get a raise and promotion, and spends less and less time with you, is your heart full of remorse and complaints?

Did I speak to your heart?People who come here, we have already experienced thousands of times about human feelings.

When the economy is tight, all feelings will change, either in taste or in quality.

Ding Ding has just returned from a class reunion. It has been five years since he graduated, and this is the first time he has met.Five years is neither long nor short, but the heart-to-heart distance between him and his buddy Lao Zhang is far, far away.

When they were in college, Ding Ding and Lao Zhang were brothers who slept in bunk beds, and they were also fellow villagers. They were so good that they wished they could wear a pair of trouser legs.If you ask how friendly they are, in order to maintain the brotherhood, they didn't even talk about girlfriends.After graduation, Lao Zhang entered a state-owned enterprise in the provincial capital under the arrangement of his family. He did well and has now become a department leader.After graduating, Ding Ding worked as a legal assistant in a machinery company in Beijing. The salary was neither high nor low, and he had no problem supporting himself. Buying a house was nowhere in sight. Every time he went back to his hometown, he was called a white-collar worker in Beijing, and he sweated a lot.

When we don't meet each other, we occasionally make a phone call, and we don't feel the change of time at all, but when we actually face each other, we realize that the gap is so big, as if separated by a heart.

Before attending the party, the two had a phone call in advance, and they must talk about the old days when they meet, so that yesterday can reappear.But when they really returned to their alma mater, the two of them didn't even have a chance to talk properly.

Because of the traffic jam on the road, Lao Zhang was a quarter of an hour late.By the time he stepped into the venue, the banquet had already begun.Before he found his brother Ding Ding, he was "hijacked" by a group of people and left.It should be said that these people didn't say anything when they were in college, they just heard that Lao Zhang was the director of the Intellectual Property Department of this well-known state-owned enterprise, and they wanted to take some intellectual property cases from him.As any lawyer knows, intellectual property cases are very lucrative.

Ding Ding thought, let's catch up with the buddies all night after dinner.As a result, just after the banquet here, Lao Zhang was "hijacked" by those people to sing in KTV.Ding Ding wanted to go along with him, but firstly, he was not interested in that kind of place; secondly, he was worried that such a place would not be able to afford it, and if he paid for it by himself and saved half a year's wages, it would not be enough for one night's entertainment!
The next day, Lao Zhang was arranged for a sightseeing tour by a teacher who was a lawyer. He came back drunk at night and didn't even know who Ding Ding was.

At noon that day, Ding Ding returned.The party was originally a happy event, but Ding Ding came back unhappily. He felt that he was in a completely different circle and a completely different life from Lao Zhang. There is an indescribable feeling, very melancholy.He didn't blame Lao Zhang, and he couldn't tell who to blame, but he was really sad.Before, he always thought that money, status, and so on were nothing in front of their friendship.But in the face of reality, he seems to have no reason to persist.

With the development of the trajectory of life, everyone will face economic ups and downs. When the social status and economic income of old friends are very different, the friendship will definitely change, even if it will not deteriorate.

In the early years, there was a big difference in income between me and a few good friends. It was not because I was unable to change my income level, but because Aquarius girls were not obsessed with money, had no concept, and had no interest.There is no problem in meeting our own needs in life, but compared to those friends who have a certain economic and political status in society, we are indeed not strong enough.Every time my classmates and friends came to Beijing, I would do my best to eat as a landlord. Every time, everyone would not give me a chance to pay, but on the contrary, they would bring me many gifts.At first I accepted it calmly, but later I understood the gap from the pity in everyone's eyes. It seems that in the eyes of the people of the whole country, the North Drifters are a poor family.I am well aware of the care that originated from the love of classmates, but I inevitably have a sense of inferiority.If I had a car and a house, and I was on the same level as others, I probably wouldn't bother my classmates to spend so much money.

Since then, I have become unnatural when interacting with everyone, and the feeling of being sympathized for a long time is really uncomfortable.So I started to work hard. Now, everyone's economic level is almost at the same level, and it is very natural and comfortable to communicate with each other.

It is an absolute truth that the economic base determines the superstructure. Putting it on the individual, that is to say, the income determines a person's life style, and the life style determines his hobbies, thinking habits, etc., so people with different incomes, when they reach a certain age , that is, when personal ideologies such as the so-called world outlook, outlook on life, and values ​​​​begin to solidify and become dominant, that is, when the differences and barriers between each other gradually become apparent, and eventually become people from different planets, and there is very little common language left.

This is true of friendship, let alone love.Indeed, we all had those days of innocence. When we were in college, we would cry for a hot roasted sweet potato served by our boyfriend on a winter night; we would be moved by the cheapest scarf. At that time, we didn’t have to think about our What kind of car to buy and what kind of house to live in, don't have to think about what I will wear when I meet a client tomorrow, whether to buy a silk scarf to match my suit, we just need, just walk hand in hand with him on the avenue for a while; He is holding a stack of books in the cold wind and waiting for you to go to study at night; just sit on his bicycle and hug his waist and hum "Sweet Honey", happiness will overflow our hearts, and we will be satisfied up.

However, that era has completely left us. After working for a few years, we can no longer use romance as a reason and innocence as an excuse like we did in college. Like ordinary people, we are obliged to consider our own fame and fortune, so we learned to calculate a month's salary and pay the rent, water and electricity, and a few pairs of brand-name stockings; we learned how much to save every month for the house and car in the future.We want to buy SK-II facial masks and Valentino handbags; we hope that after work, we can sit on the comfortable sofa at home filled with the fragrance of roses and watch the newly bought imported blockbusters... For these, as girls, we are like men Working hard in society, working more than ten hours a day, I am as tired as a cow, and I have to learn English to take the MBA exam on weekends.Yes, we are realistic and snobbish, but who can blame us for anything?In this society full of competition and survival of the fittest, how can we deal with the torrent of reality if we do not develop and grow?

Although, we were also moved by the beautiful story in the middle school English text: On Christmas Eve, the poor husband pawned his only valuable pocket watch and bought his wife a beautiful comb, while the equally poor wife sold the comb. Beautiful long hair bought a chain for her husband's pocket watch.But stories are stories after all, and we have no way of knowing the embarrassment and hardships that a husband and wife face when they have no rice to cook the next day after spending a warm night.

As the saying goes: "Poverty couples are sad about everything." Just imagine, when your flowery face becomes dry like bark due to lack of maintenance; when your once delicate hands are red, swollen and rough due to daily washing; In the morning market, you bargain with the vegetable vendor for ten or two cents; when you want to add a new dress to yourself and face him who is still poor day after day and cannot speak, can you still say "I am happy"?Can you still maintain the original romance and warmth?The wind and frost of the years will wear away all the romantic and beautiful fantasies little by little, is it cruel?But, that's life.Who has the ability to compete with life?
If you don't want to mourn, then don't be weak, and use your financial resources to strengthen yourself.

3 When a man is rich, his dignity is in front of him
In the eyes of most men, dignity is more important than anything else. You can give up everything, but dignity cannot be lost.

"A man must have money, and his dignity is in front of him." Although this saying is old and common, it has some truth.What is the dignity of a man?It is able to make him walk with his head held high at every step, it is able to make him look high from every angle, and it is also able to make his every word a promise that cannot be easily changed.

When you are short of money, you don't have enough confidence to speak. At best, you can only defend the last dignity of your personality, and you can't sway the pride of a manly man.

If a man can't even eat three meals a day, who would respect him as a guest in his heart?On the surface, it would be good to take care of his mood and face.It can be said that money is a symbol of a man's ability, but also a man's face and dignity.Cash-strapped men are more sensitive to money, have higher self-esteem, and are more likely to get hurt.For example, he can't give his girlfriend or wife expensive gifts as he likes, he can't treat her to a big meal with a proud face, and he doesn't even dare to accompany her to the mall, for fear that she will fall in love with that dress that is more expensive than his monthly salary... ...it would make him feel ashamed.Especially when his girlfriend earns more money than himself, he feels ashamed.Without money, it is a fatal injury to a man's self-esteem.A man's arrogance and generosity are closely related to the thickness of the money in his wallet.

Ming Yi has just left school and is working as a program developer in a small software company. His hair is messed up, and his usual attire is a big T-shirt and jeans.His girlfriend, Yaya, works in a foreign company and is a senior executive. She wears exquisite makeup and suits and skirts every day.In the eyes of others, they are so unsuitable.In fact, what was even more incompatible was their salaries. Mingyi's monthly salary was less than [-], while Yaya's monthly salary was [-], not counting bonuses.

Yaya likes to wear branded clothes, and sometimes she pesters Mingyi to let him go shopping with her, and when he looks at the clothes with the cheapest price of two to three thousand a piece, his expression is very unnatural.Yaya generously tried and tried, choosing one after another.He wanted to pay her, but his money was only a few hundred yuan, and the bank card was less than 2000 yuan. He was embarrassed and felt that he was really incompetent.

She saw what he was thinking, and said, "It's okay, I'll pay for it myself." It was an unintentional remark at first, but when he heard it, he felt even more embarrassed and embarrassed.She chose a tie and asked him to see if he liked it. When he saw the price tag of 1600 yuan, he refused to take it.He looked at Yaya who was wearing a famous brand, she had an elegant temperament and attracted attention everywhere, but he was really ashamed of being poor.

Yaya pays attention to the atmosphere, she likes to have a delicate dinner in a quiet restaurant with soft music to reward herself for a hard day's work.But Mingyi is not used to eating in such an atmosphere, seeing the man at the next table's luxurious outfit and eloquent and confident conversation, he can't help but feel inferior.From then on, Mingyi refused to go to the so-called romantic dinner with Yaya.

Later he asked her out and said, "Let's break up, I can't give you the life you want."

Yaya cried: "I won't go to that place to buy clothes in the future, and I won't let you accompany me to any romantic dinners anymore, please don't leave me, okay?" But Mingyi still didn't look back away.He said: because of love, so leave.

It's not that love has become secular, but that a man's self-esteem has been shattered by a deflated wallet. When a man feels that he has no dignity in front of a woman, how can he love her?Even if she could accept his poverty, he himself could not tolerate his poverty, because in the world of many men, face is more important than everything else, and dignity is the guarantee of everything.Especially for a man who has a family, abundant wealth is a necessary condition for gaining respect.In a traditional family, men are the pillars of the family and the backbone of the family business.If you have money, you can let your parents, wife and children enjoy life without worry, and if you have money, you can let your children receive better education.Otherwise, let your wife and children suffer with you, even if they don't say anything about you, that kind of poor life is enough to make you ashamed.

Mr. Jin chose to return to the company to work because of repeated failures in business in the past few years. The job is stable, but the money he earns is much less. The monthly salary of 3000 yuan is 2000 yuan just to pay the mortgage. Most of the other expenses are supported by his wife's salary.Whenever encountering things that cost money, his wife would not give him a good face, and often complained that "marrying him is really bad luck for eight lifetimes".He was so afraid that his wife would say that he was a waste that he quit smoking for many years.In front of his parents and children, he feels even more guilty. The parents' pension is often used to subsidize the family, and the toys his daughter wants are rarely met.For this reason, the elderly parents always sigh in front of him inadvertently, and the ignorant daughter always hides a trace of resentment in her words to him.Mr. Jin said that all this was caused by not earning enough money to improve the life of his family. He felt that he had lost the dignity that a man should have at home.

After all, money is not saved. Mr. Jin decided to start his own business again. Considering that he has worked in restaurants for five or six years, and his hometown is Hunan, Hunan-style dishes are very popular, so he decided to open a Hunan restaurant. .He didn't have much money, and a friend was also looking for investment projects. The two hit it off immediately, and then looked for a location, a house, and decoration. He went back to his hometown and hired two chefs.The restaurant opened for trial operation, and the response was good. The cost was recovered in half a year, and the profit was more than 20 in the first year.

Three years later, Mr. Jin and his partner opened a branch elsewhere, and the business was booming.Not only did he pay off the house price in advance, but he also gave his wife a sports car as a birthday present, bought another two-bedroom house for his parents to enjoy his old age, and sent his daughter to the best local school.Since then, he has regained his image as a good father, husband, and son.

Face is earned by oneself, not given by others.A man who is incapable of taking good care of his parents, wife and children is definitely not a good man.However, taking good care of parents, wives and children is not as simple as saying a few gentle and considerate words. You must have real material gifts, which obviously cannot be separated from money.

In this age of materialism, a person who is poor is regarded as incompetent.To some extent, what makes a man straight and feel the dignity of being a man is not his tall body, handsome appearance, or rich parents, but his bulging wallet.If a man has no money, he may lose many opportunities to prove himself.Just ask, how many people would respect a man who has no money and lost his dignity from the bottom of his heart?

If a man wants to change his destiny, improve his status in society, and gain the respect of others, he must make certain achievements, earn enough money, and gain social recognition.

Linyuan Xianyu might as well retreat and form a net. For the dignity of men, and for themselves and their families to live a happy life, men should work hard to make money!
4 A woman is rich and has an inexhaustible sense of security

Most women are naturally insecure cats.

Now, where does the sense of security of a woman, a cat, come from?
Regarding this, what I want to say is: the thickness of the banknotes in your pocket is likely to determine the thickness of your sense of security and happiness index.

"Growing old together" has almost become a myth in the modern society. The chances of a woman owning a long-term meal ticket are getting lower and lower. When the marriage is broken, money disputes can easily lead to bad words between men and women. Women are likely to be victims of the Bo court. By.

Even a happily married woman may face the reality of life alone, because women generally live eight to ten years longer than men, and young widows are often heard.

In the workplace, women are generally at a disadvantage than men. Women generally earn less than men. Even if equal work is not paid, women change jobs more frequently than men. Most companies lay off female employees first. Obviously, women are more likely than men It is easy to lose unemployment and lose economic security.

When I was young, women felt that this day would never come, and they were always very optimistic that "there is a road before the car reaches the mountain".Women always avoid reality, lack the concept of being prepared for danger in times of peace, and are unwilling to think about unlucky things. They wait until problems happen before they panic, burn their heads, and ask for help everywhere.In fact, if a woman learns to manage money as soon as possible and has money at the bottom, her destiny can be in her own hands at any time.

(1) It is really embarrassing for a woman to live without money

There was a girl from a remote rural area who worked in a city five years ago, during which time she met her current husband.A year later they were married, poor but sweet.Not long after, her husband went into business. After four years of hard work, he finally had his own company, and his life became easier. At this time, his son was born.According to common sense, a family of three should enjoy happiness in peace.However, before long she inadvertently discovered that her husband was having an affair.In a fit of anger, she had a big fight with her husband. Full of grievances, she hoped to end this loveless marriage by means of divorce, but her husband did not agree to the divorce.She really wanted to leave, she didn't want to live a day like this.But he couldn't make a decision.A friend asked her why?She said: "The child is still young, and I want the child to have a good environment for growth."My friend said that after divorce, you can also take good care of your children!Unexpectedly, the lady burst into tears. She said, I don’t have a job, and I only do housework at home. After the divorce, I have no source of income, and I can’t raise my children, let alone education...

There is an aunt who recently divorced.After the divorce, she had a hard time living, often worrying about not being able to pay utility bills and other bills.It turned out that in the 20 years of marriage, she had no savings.

The above two women have experienced unfortunate marriages and lost everything. The most terrifying thing is that they still encountered such embarrassment in middle age.

(2) If a woman is rich, she can live a bullish life

I remember reading it in a book.The author is a woman whose father taught her how to be a woman.She was taken to exclusive clubs to see how the women got along with her father.In the end, she got married.His other half had no mistress, only her as a woman.What did she learn?
She learned how to play golf, how to appraise fine wines;

She doesn't please men, but men like her.She was not a mistress, but she was unforgettable.Women, manage themselves, and it is impossible for a man to form a new relationship.

This shows how important it is for women to remain economically prosperous.Although economic independence and material abundance are not the whole of a woman's life, it is undeniable that they are important prerequisites for women to protect themselves and gain a sense of security.A while ago, the book "Women Want Money" was out of stock. Not only women are reading it, but also male readers are paying attention. The author is American Housewife Judy Resnick. She emphasizes: "Women want to be young and beautiful. , To meet a good man, you must have money to be happy." It is very dangerous for a woman to never plan for her future life.

The author repeatedly emphasizes in the book: "Smart women are looking for a warm and caring partner, not a long-term meal ticket." She said: Women must realize that Prince Charming disappeared as early as the 50s, and the workplace is not A level playing field where a woman's total dependence on others can result in loss of personal health and wealth.

Judy said: Women should start investing and saving as early as possible. The earlier you start, the greater the chance of success. The younger you are, the more beneficial you are to enrich your common sense in this area. Sacrifice material comforts within your ability, learn to plan carefully, and prepare for the future. Poverty is the only way to have true freedom. Of course, money must not be used by any means.

He Liling, a Taiwanese socialite who graduated from a high vocational school, once said in an interview: "I understood at a very young age that beauty and financial management are the most important things in a woman's life." She mentioned that her grandmother told her: "Women are not as good at school. It’s okay, but you must know how to manage money.” When she was eight years old, her grandmother began to train her on financial management, throwing her an account book and teaching her how to keep accounts. There are more than 200 mutual aid clubs in the account book. Little girls, start to take the first step in financial management.

He Liling also said a thought-provoking sentence: "How long can a woman be young? How long can she be carefree? As a woman who depends on her habits, sometimes we should think about whether I have the ability to be self-sufficient if something unexpected happens one day? One day we will have to find a way to live on our own, and only we can guarantee our own future.” Therefore, women who want to be rich are not seeking pleasure, but defending the dignity of life, maintaining the independence of personality, and living out themselves.

5 How much money do you need to live a decent life?

We must know that each of us has only been in this world for a hundred years at most. How much money do we need to live a decent life and be full of confidence?

Whether you have a business mind or not, whether you like business or not, as long as you are alive, there is one business you cannot escape and must do. This business is: how will you spend your life, and what will you get?If the remuneration for working for others in a person's life is greater than your basic expenses, you will win the biggest deal. If the remuneration is far from the basic expenses, you will lose the biggest deal.

Let's take a closer look at how much money a person needs in his life.If you want to live a more glamorous life, which is the pursuit of many people, your living expenses budget is——

房子 人们真正向往的房子叫别墅，面积不能太小、环境不能太差，300m2×7000元/m2=210万元
The car is a famous car, but it should not be too extravagant. You can’t just drive one car in your life, count it as four cars, 30 yuan/car × 4 cars = 120 million yuan
Parental love is a kind of behavior. Parents’ food, clothing, housing and transportation health insurance is 2000 yuan/month×12 months×30 years=72 yuan
孩子 孩子的教育和生活费用，从0岁到25岁 2万元/年×25万元=50万元
The family expenses of living a middle-class family, a conservative estimate is 5000 yuan/month x 12 months x 50 years = 300 million yuan
Guarantee According to the advice of a financial planner, the life-long investment of 30 yuan can be guaranteed as 30 yuan x 3 people = 90 yuan
Hobbies and collectors are not included. Take the travel hobbies of most people as an example. The budget is 3 yuan/year × 50 years = 150 million yuan
The investment deposit is kept in an ideal state, the money is neither too much nor too little 100 million yuan
A total of 1090 million yuan
what!It's an astronomical figure!If you want to live an ideal upper-class life, this money is really necessary. If you still have 50 years to create wealth, you need to earn at least 20 yuan per year to meet this standard.Therefore, it is necessary for you to make a practical plan and action for your beautiful life from today to ensure your quality of life.

Maybe this astronomical figure frightens you, and you still choose to live an ordinary life. However, even if it is the living budget of an ordinary salaryman, the calculation may scare you:

A house with an ordinary location in a medium-sized city can still buy a house for 20 yuan, = 20 yuan
Gasoline is too expensive for a car, and I can’t even afford it. Take the bus, and there are more environmentally friendly electric bicycles, x yuan

Parents are poor and they cannot be poor parents. The monthly standard is lower by 400 yuan/month x 12 months x 30 years = 14.4 yuan
Children go to ordinary kindergartens, ordinary elementary schools, middle schools, and ordinary universities, and the budget will not be less than 20 yuan = 20 yuan
Daily necessities, rice, oil, salt, food, clothing, housing and transportation are 1000 yuan/month x 12 months x 50 years = 60 yuan
It is luck to ensure that there are no accidents in a person's life. It is impossible to have no illness. Prepare something to relieve the urgent need = 10 yuan
Hobbies Mass entertainment No budget 0 yuan

A total of 124.4 million yuan
These expenses have already amounted to 120 million yuan, not including the expenses of favors, etiquette, weddings and funerals.

Now let's spend a little more time and calculate together the lifetime income of an ordinary migrant worker. People usually create wealth in 20 years between the ages of 70 and 50.Let’s not consider future price rises or whether wages will increase in the future. Let’s take the average salary of a middle-sized city wage earner as an example to calculate the lifetime income of a migrant worker.

We first set the average monthly salary of ordinary salaried workers at 1500 yuan, then in 50 years, your income will be 1500 yuan/month × 12 months × 50 years = 90 yuan.Under normal circumstances, this is the lifetime income of an ordinary salaryman!If people give you all the money at once, you can still do some big things, but what is helpless is that they give you a little bit every month, and this kind of life can only be called food and clothing at best.

Each of us will face the challenges of the future, and everything is changing. If our ideas cannot adapt to the development of society, then tomorrow, everything we have will be cruelly left in today's failure.

Knowing this, how to do a good job in this big business that has to be done in this life?Your first priority is to learn to plan. From the time of graduation or even without graduation, you should ask yourself such a question:
What kind of life am I going to live?How would I go about achieving this?

Whether you are an entrepreneur or an ordinary migrant worker, you should set a goal for yourself.Goals can be long-term or temporary.Long-term goals such as three-year or five-year plans, what aspirations do I want to achieve in three to five years?Phased goals can be set in half a year or a year. For example, I want to earn 5000 yuan this year, and I want to increase at a rate of 20% every year.I'm going to pass the accounting certificate exam this year, what changes will I make in my work, and so on.

We are all mortals, so the goal should be practical, don't be too empty, the goal is your own, not for outsiders to see.

If you don’t have a plan in your life, then the confusion in the 5 years after graduation will cause panic 10 years later, struggle 20 years later, and even a lifetime of mediocrity.If you can't get out of the confusion and the fog as soon as possible in the five years after graduation, you really have no face to face yourself in 5 or 10 years.

"Am I capable of achieving my goals?" This question may be the most deadly. In fact, it is precisely because many people do not have an objective and correct understanding of their abilities and are not confident, which leads to the failure of their goals.As long as your goal is made honestly and honestly based on the evaluation of your own resources, personal ability and the practicality of the goal, you can just boldly practice it without doubt.When you achieve your goals, your self-confidence will be greatly enhanced, and you will be stronger in the future.At that time, you have entered a virtuous cycle of planning your life and planning your growth. No matter what you want, you can achieve it in one, three, five, or ten years. At the same time, you have beauty, confidence, family harmony, and interpersonal relationships. , Learning and growth, financial independence, health and leisure, achievement of glory, unity of body and mind, this kind of control of the balance of life is really great!

(End of this chapter)