But I will also tell you something in real life.

This article is a bit long. Complete it is true love!

Yet we called and urged a thousand times before she started toward us's CD community Changsha offline party finally happened. At the party, after everyone introduced themselves in turn, the eager pumpkin took out a very interesting board game-rich dad, poor dad.

This is a financial and commercial board game, in which one person is a banker, who is responsible for sending and receiving money and market transactions; There are also players, each of whom chooses the initially set occupation and acts according to the desktop prompts corresponding to the number of dice rolls. At first, everyone was running on the "rat trail" of fixed salary. Through different opportunities, people whose non-wage income exceeds their total expenditure can enter the "fast lane" and win new heights in their lives.

I got the position of doorman, and my other friends are doctors, managers, nurses and truck drivers. The doorman's monthly income 1600 yuan, monthly expenditure in 970 yuan and monthly cash flow in 630 yuan. He is an out-and-out "underclass". With such a small salary and high loans and expenses, it is difficult to attack life!

More than two hours passed quickly, and our lives were very different:

Doctors have the highest income. They seized the opportunity to invest in real estate. At first, they fell into financial difficulties. When encountering market opportunities, they ran out of the fast lane and began to invest in restaurant minerals. We all lamented "class solidification". Unfortunately, I accidentally stepped on a minefield and turned over all the cash, but because I still have assets, I turned it over quickly;

The manager's income is also high, and the cash flow is good, but the big house bought by the loan has not been realized and has not been able to run out;

Nurses' income is not high, and they constantly generate extra consumption, which makes them unemployed twice, and then they have children, which is even worse;

The truck driver ended the game early because she wanted to go home, but she also had stocks to realize.

As a doorman, my income is low, and I have two children, so my life is under great pressure. But fortunately, I seized the opportunity and invested in a small company with a loan, with a small dividend every month. I also used my accumulated cash to invest in a fund and two stocks. Although the monthly cash flow is only 340 yuan, although the cash flow is too low and risky, the future can be expected, which is also a negative attack.

This game makes us all sigh. Everyone says I have financial awareness in the game. In retrospect, I found that this role is really similar to myself in reality.

When I was a child, my family was in good condition. My grandfather started his business at the age of 60, and my father went to sea very early. In the 1990s, there were DVDs and mobile phones at home. In the third year, my father went bankrupt and fell to the bottom. Fortunately, my grandparents have never been arrogant to me. Since my sophomore year, my family doesn't have to send living expenses. The hourly salary and scholarship at McDonald's are enough to support themselves. In 2006, I had no background and relationship, so I gave up the job opportunity in a bank I didn't like and worked as a training assistant in a national chain enterprise. The monthly salary is exactly 1600 yuan. /kloc-in the past 0/2 years, my income has increased by n times. With a family and two children, it's enough food and clothing. Among them, my financial thinking has helped me a lot.

However, I have always been in the workplace and pursued a prudent concept of financial management, so my concept of financial management may not be applicable to entrepreneurs, rich second generation and radicals, and I should listen to stories.

Financial management and career development are inseparable. I divide it into three stages:

The first stage is to enter the workplace.

Characteristics of financial management: low income, living within our means, and compulsory savings.

Most people don't earn much when they first enter the workplace, except for what their families give them. This stage is also called life span in career planning, and they need to support themselves first. Many people will become moonlight clan for a while. The most important thing at this stage is to try not to make a monthly loss. My personal consumption concept is to live within our means. When income can't cover consumption, I will control consumption first.

You may have heard of two financial formulas:

Surplus = income-expenditure

Expenditure = income-surplus

These two formulas look similar, but the biggest difference lies in the concept of "living within our means". If you have income, you will spend it and eventually become a moonlight family, with no money left. The second formula is to set the goal of compulsory savings after you get the income, and then use the rest of the money for spending. At this time, your expenses are relatively controllable. When you have a certain amount of savings, you can have a foundation for investment and financial management. The larger the base, the higher the return on investment.

I have actually done so. When I have a stable monthly salary, I deposit it in 200 yuan every month, and after paying the fixed expenses such as rent and telephone, I will remit 150-200 yuan to my grandmother to show my filial piety, and the rest is the money I can spend. After I slowly accumulated the savings in my account, I started the fixed investment in 200 yuan every month. This is a very good long-term investment method with low investment threshold and free amount. From the perspective of long-term investment, the fixed investment of the fund can evenly spread the risk-when the market falls, you can buy more stocks at a lower cost, and when the market rises, you can make a profit or buy less stocks to reduce the risk. I'm still going on until now.

Although the survival period will be restrained and simple at the beginning, I have not lost anything because of it, and I feel quite good. I am very grateful for this experience. This is the beginning of personal independence, and I learned the basic essentials of financial management.

The second stage is career development.

Characteristics of financial management: self-appreciation, planning in advance and prudent financial management.

Career development stage is our most important stage, which will largely determine our future life. Many people start to get married, buy a house, buy a car and have children, and the expenses are getting bigger, but the only income of people in the workplace is salary. Therefore, on the one hand, we should strive to improve our self-worth, get higher income in our career, make plans in advance for major events such as marriage, childbirth and house purchase, and avoid bringing great changes to ourselves; On the one hand, we should look for stable investment channels.

How to create higher income at work? Two methods:

First, work hard and get a promotion and salary increase;

Second, increase sideline income.

It is not recommended to develop sideline business before doing your job well, especially in the first three years of entering the workplace. You must continue to fight for promotion and salary increase. Promotion will double our income, help us to establish a reputation in the workplace, and more importantly, expand our work ideas, cooperation awareness, resources and contacts, which are all effective accumulations for continuous promotion and career development in the future. When the personal career is steadily improved, consider developing sideline business or even transformation, and everything is under control. But the basis of these two paths is self-appreciation, so as to improve one's ability and experience.

From 2007 to 20 15, it can be said that it is my career development period. During this time, I can be called a workaholic In 2007, one year after I joined the company, I became the youngest human resource manager in the region because of my outstanding performance and willingness to be transferred and promoted. My salary has doubled and I have more disposable income. When I was in management for the first time, I encountered many thorny problems, such as dealing with customer disputes, accidental injuries of customers, labor disputes threatened by male employees and so on. This made me accumulate a lot of important experience at the age of 24, which was painful but also benefited a lot. Three years later, because I saw the limitations of the first company and the development of the industry, I entered the new company as a supervisor. With the development of the enterprise, I have just experienced the golden age of the real estate industry.

During this time, I took the professional qualification certificate, driver's license and so on. At that time, it was a big expense for me, but it also provided a favorable guarantee and knowledge reserve for my career promotion; In terms of financial management, I still choose stable funds, bank financial management and credible P2P financial management. In addition, when my monthly salary is only more than 3,000, I bought myself universal dividend insurance with an annual payment of more than 4,000, which is also a kind of investment and financial management, and at the same time improved my ability to resist risks;

I met my husband, got married four years later, and had my first child two years later. In these six years, we can develop our career and increase our income, which is a more responsible performance for our children. The down payment for buying a house is mainly my husband's own savings, because it is a provident fund loan, and there is no pressure to repay the loan. We didn't become house slaves and child slaves, and we didn't increase the burden at home, largely because we prepared for a rainy day and made our lives controllable.

The third stage is career stability.

Characteristics of financial management: purchasing financial management services, planning children's education, and constantly increasing self-value.

For professionals, if their career develops smoothly, they should be promoted to management positions, get higher income and increase family assets. Although there are small achievements at this stage, it is also a crucial period for the elderly and the young, and at the same time, it has to face the retrogression of physical strength, energy and brain power. Therefore, as mentioned above, it is very important to plan ahead.

Many people with more money may choose investments with greater risks and higher returns. The most important thing in life is not how much you get, but whether you can bear the risk when it comes. * * * * High-risk investment can be allocated in an appropriate proportion, but risk planning must be done well. I hate those people who put all their money into high-risk investments regardless of risks. I am a child who has suffered a lot. My father's generosity caused me to be in a dilemma from junior high school to college for nearly ten years. Too many enterprising people have lost everything, some even gave their lives and left a family, but money has become a killer. I can't allow anything to put my family in danger. I can't let my father's mistakes repeat themselves on me. My suggestion is to be cautious and appropriately increase the proportion of high-risk investments.

1, seeking professional financial services

In order to get higher income at this stage, besides learning professional financial management knowledge, I also chose professional investment consulting services. There are so many financial products on the market that I have no energy to understand them one by one, let alone master them. Especially for some unfamiliar areas, such as overseas investment and other projects, the advice of professional and independent financial consultants will combine the risk tolerance of my family and me to put forward a plan, so the risks are controllable and the benefits can be expected.

2. Plan your child's education in advance.

This is one of the most important tasks at this stage. Children's education is not only a continuous high expenditure, but from a selfish point of view, children can enjoy their old age carefree in the future.

Children are still young, so I pay attention to three aspects in parenting, one is self-care, the other is the cultivation of reading habits and artistic sense, and the third is the ability of language expression and social communication, and then I will consider it in the next stage.

After the boss was born, I started early education and English enlightenment myself. Some time ago, I went to a professional English school to evaluate it as the second level of enlightenment. When he is older, I will send him to international early education, comprehensive art school and so on. And continue to teach yourself parenting knowledge, hoping not to become a blind mother.

We bought a degree room with a primary school and junior high school, so we don't have to worry about choosing a school for our children in the future. Many friends didn't consider this part when buying a new house. When the children are older, they will have to change rooms. Just buying a house is not an investment, but a large consumption. Xiaoling's sister's education may be better than her brother's, because my husband and I are both growing up, the concept of education is improving, and the income at home is different from that of that year, and they are all developing in a good direction.

3. Constantly appreciate yourself

After a long career exploration, our self-awareness has become clearer and clearer. The work ability, professional reputation and resources accumulated in the first two stages will help us enter the self-realization period of this stage-strive to develop our interests and talents into a career, and do not need to give up our ideals in order to compete for rice. This is a stage that I am trying to get close to at present.

If the first two stages are not progressing smoothly, this stage will be difficult to achieve. The most fearful thing in life is to choose pleasure at the age when you should struggle, but you should get stuck in the tedious daily life and be unhappy at the age when you should achieve something. Fortunately, in this era, we have many ways to learn, and it is never too late to start. Constant learning and self-appreciation is the best way for us to face the changes of the times.

Thanks to this financial game, I look back and realize once again that financial management is to manage my life. Financial management is not only about making money, but more importantly, how to arrange your life, study and growth reasonably and orderly with financial thinking. Like the gatekeeper in the game, I try to play the bad cards dealt by God and embrace life.

Ups and downs are the normal state of life. Keep your pace, keep growing, and don't let everything get out of control. Even at a low ebb, you can still attack your life steadily and upward. Life has no ups and downs, but you can still laugh at the ever-flowing water in Qian Fan.

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