10 little secrets about money, please keep them away. Featured 7

Today we continue to read the book "Puppy Money Money". As time went by, the girl Gia made more and more money, which made her very excited, but what made her even more excited was that she wanted to meet the real owner of the puppy Qianqian-Mr. Jin, A very rich gentleman. He manages a financial consulting company whose job is to teach people how to manage their property.

After meeting with Mr. Jin, Giya told Mr. Jin about her experience during this period of time, including her 10 wishes, dream piggy bank, dream album, success diary, and experience of making money by walking a dog, etc. Wait. Mr. Jin also has to pay Gea a large amount of money because Gea takes good care of the puppy money. At the same time, he will pay Gea 10 marks every day, which is a lot for a little girl. Not a small income.

Of course, Mr. Jin also made a request that Gia must save half of his income.

Regarding this requirement, Giya’s understanding is to save money to fulfill her own wishes; while Mr. Jin means that if you want to become rich, you must save half of this income forever, absolutely Will not spend it again. In order for Gia to better understand the mystery, Mr. Jin also told the story of the farmer and the golden goose.

Most of us have heard this story. It is said that a farmer owns a goose that can lay golden eggs, but the farmer is too greedy, thinking that the golden goose lays only one golden egg every day, which is too slow, so he kills the golden goose and wants to find the golden goose. Because of the golden eggs, the farmers never get golden eggs anymore.

Although the story is simple, how many people can truly understand the principle behind it and apply it in their own real lives?

Many of us know how to save money, but the purpose of saving money is often to satisfy one of our own desires, for example: change a new mobile phone, buy a new car, buy a very expensive bag, decorate the house, go For overseas travel and so on, the money that was finally saved was quickly spent. Life has entered a cycle: make money, save money and spend money, when the money is spent, go to make money again, and it will never become a real rich person.

Really rich people raise a large group of golden geese, these golden geese will lay a lot of golden eggs, and then the rich will only consume a small part of the golden eggs to meet daily expenses, and then hatch the remaining golden eggs into gold Goose, go round and round, the flock of geese is getting bigger and bigger, and the rich are getting richer.

The golden goose mentioned here is the investment principal, and the golden egg is the investment income. Really rich people will never spend the investment capital, but only use part of the investment income to satisfy daily expenses and desires.

In many cases, we just see the rich spend large sums of money, but we have not understood the proportion of their assets. For example, a wealthy person spent 1 million to buy a car, but in fact he has 100 million investment assets, and 1 million only accounts for 1% of it. But many white-collar workers in companies do not even have an investment asset of 100,000 yuan, but they dare to buy a package of 10,000 yuan.

In fact, there is a similar concept in the book "Rich Dad and Poor Dad": we must continue to accumulate our own assets to continuously generate passive income, and then use part of the passive income for consumption and satisfy desires, and the rest will be rolled into Among assets. The assets here are equivalent to the "golden goose", and passive income is equivalent to the "golden egg".

Of course, for most ordinary people, they may not even have the first golden goose, let alone golden eggs. At this time, we must insist on turning part of our income into "Golden Goose", and we must also ensure that we will never kill the Golden Goose.

Note: I mean "forever"!

People often ask me how to set a reasonable investment cycle or fixed investment cycle. My answer is generally: at least 5 years, preferably 7 years, because 7 years is a wave of economic cycles. But the ideal investment cycle envisioned in my heart is actually: a lifetime! Yes, investment is not a process of making money and running, but a process that lasts a lifetime. I may adjust my asset allocation midway, but investment will never end.

Of course, there will also be a difficulty here, that is, how to adjust asset allocation. This is indeed a technical job. Even a master with many years of investment experience may not be able to play well in asset allocation, let alone us ordinary people. This is the reason why we want to develop the Pulan APP, using artificial intelligence combined with big data to help everyone adjust asset allocation regularly, raise the golden goose, and lay more golden eggs.

For example, in the Pulan APP, the total assets of the Pulan share fixed investment account is the "golden goose", and the cumulative income is the sum of the "golden eggs" that have been laid. You can redeem part of the "golden eggs" halfway, but it is best to never kill your "golden goose". Only in this way can the "golden goose" continuously produce "golden eggs".

Let’s go back to the topic just now: We must insist on turning part of our income into a "golden goose". How much is this part? The advice in the book is to start with 10% of income. In fact, this ratio is also mentioned in the book "The Richest Man in Babylon". The original text says this: A person only needs to use at least one-tenth of his income for his future and his When his family creates wealth, gold will flow into his hands continuously and more and more.

Of course, as income continues to increase, this proportion will also be higher. According to Mr. Jin’s habit, he turns 50% of his income into his golden goose. Because his golden goose has laid enough golden eggs, he only needs to take out a small part to cover his daily expenses.

I remember I once pushed an article at the beginning of this year, the title was "Inventory of 2016, what is your annual savings ratio? ". In fact, the "annual savings ratio" can be used to measure how many percent of our income has become our golden goose in a year. In 2016, my annual savings ratio was 70%, and it is expected that in 2017, my annual savings ratio will definitely exceed 50%.

Therefore, when your number of golden geese is not enough, don't pay too much attention to how many golden eggs your golden geese lay every day, let alone kill them because they think they lay too slowly. You should pay more attention to what percentage of your income is used to raise golden geese, and you must ensure that you will never kill golden geese.

The person who can spend money and make money is the happiest person, because he enjoys two kinds of happiness. ——Sey Johnson