Ten reasons why you can't get rich

The financial crisis and soaring prices have made every wage-earner tremble. Another look at people "Warren" Buffett, a week's wealth shrank more than 10 billion of dollars, but still eye heart not jump. It's because it's too rich. Do not say that Buffett, is in your side, extravagantly wealthy rich and wealthy Gofu sister rich younger sister seems to be more and more. You will not be feeling: how can I not be rich?

Many people think that they are not rich because they earn too little money, if they can earn a little more money, they can save the money and invest, so as to achieve a virtuous cycle of money. However, this is actually a bad hypothesis, and the problem with this theory is that people who make too few complaints may have been complaining about the same things before the recent pay increases. The truth is, there's little relationship between being a millionaire and how much money you can make, and whether or not you can get rich depends on your attitude toward money.

Of course, there are a lot of reasons why you can't be rich, but the following 10 disadvantages may be the easiest to make your fortune:

1. Too concerned about what others think of your car

A car is a vehicle that takes you from one place to another, but many people don't think so. Many people see cars as symbols of identity, spending a lot of money on their cars every few years instead of going on with the cars still available and investing the money they save. In fact, the car is just a "representative", you live in food and clothing and other aspects like to see other people's eyes acting, in order to face, chew, the results will never finish the most basic primitive accumulation.

2. You always think you should have a good day.

If you think you should have a certain http://www.aliyun.com/zixun/aggregation/10226.html "> lifestyle, then you have to have certain things that must cost a certain amount of money, If you don't have the ability to do this now, you may want to borrow money to spend. anticipates, large amounts of debt are destined to affect your development, and you are far from accumulating wealth.

3. Lack of change in your way of managing your finances:

This is also the oldest and most valuable financial motto: Don't put all your eggs in one basket. Having a diversified portfolio can largely avoid the sudden evaporation of your wealth.

4. You started too late.

There is a term in investment finance that is called "compounding", similar to arbitrage, but the magical power of compound interest often takes a long time to emerge. If you find yourself saying that there's plenty of time to save and invest, one day you'll suddenly find that retirement is not far away, and your retirement account has nothing.

5. You don't like your job.

Although your job doesn't have to be your dream, you have to like it. If you choose a job that you do not like because of money, you will have to spend all of your spare cash to ease the stress of the job you dislike.

6. You don't like learning

You may have the idea that once you graduate from college, you don't need to learn anymore. The idea may help you keep your first job, but it will never make you rich. If you want to become rich, consciously learn all kinds of knowledge, improve the quality of work, increase financial knowledge, is very necessary.

7. You often buy something you don't use at all.

Look at your house, closet, basement, attic and garage for a lot of things you've never used in the past year. If so, then you buy these things may just be wasting money that would have increased your net worth.

8. You don't know what value is.

You buy a lot of things for a variety of reasons, but you never know what benefits these things can bring to you. This happens not only to those who buy the most expensive things, but also to those who buy the cheapest. This practice rarely reflects the true value of a product, and only when you learn to buy something valuable can you have the money to invest in the future.

9. Your house is too big

If you buy a big house that you can't afford or need, you'll end up paying more for the loan, paying more taxes, spending more maintenance, and buying more stuff to fill. Some people may argue that the House will add value, so buying a home is the best investment, but unless you are a bug, have the skill to fry a house, or if you are willing to lower your standard of living, live 100 square meters this year, and change to 50 square meters next year, my house will never become the liquid assets or funds that you can use and enjoy. The question is, are you willing to change to a small house when you are accustomed to a big house?

10. You can't catch a chance

You may have heard more than once that some people have turned a fortune, and you may regret it: "I could have thought of that, too." "If you are prepared with perseverance and perseverance, you will find that there are many such good opportunities." The question is, do you have such perseverance and perseverance?

If you do not "the pursuit of wealth, perseverance", then simply do not make a fortune dream, or do their job well. Step back, a brighter sky.

Why are the poor looking for rich opportunities you missed a few times?

Every generation has the happiness and misery of every generation. From the perspective of wealth opportunities, the people born in the 1960 and early 70 are the luckiest. Of course, I am speaking from the general sense, specific to the individual may be completely different or even the opposite. This generation is developing with China's economy, and China's vast land provides them with countless opportunities to make money.

If they have the investment ideas of today's Chinese people before they enter the society, they can be millionaires at least as long as they invest.

What I say here seems to be a bit of a myth, after all, we see the reality is not so many rich. What kind of earning opportunities does this generation have? Why do most of them not seize this opportunity? Let me say it carefully.

This generation has been working or working for many years in about 1996 years, and if there is a sense of investment in saving, it is not a big problem to have a deposit of 5,000 yuan or 10,000 yuan on hand. 1996 is the dark before the dawn of China's stock market, the 1997 stock market began to heat up in the Spring Festival, and after May it went from joy to madness. There were a lot of people talking about value investing, but in fact the Chinese stock market has few valuable stocks. At that time adhere to the value of investment concept, it is difficult, but if you insist, you can buy 7 yuan deep development and 8 Yuan Sichuan Changhong.

May 1997, the deep development reached 49 yuan, Changhong reached 62 yuan, all have 7 times times the rise. 10,000 yuan of the initial input, will get 70,000 yuan, if the future investment following the mainstream point of view, the so-called speculation network stocks, restructuring shares, etc., then in 2000 the stock market high points easy to flee, on hand 200,000 of the funds should have. Ask the shareholders at that time, if they have a unique investment philosophy. May 1997 can be 70,000 yuan in the market, the 2000 high point fled, so the income is no problem. I am talking about the ideal situation here, many people may lose the bottom.

200,000, if the mortgage loan in the form of 2002 years in Shanghai home property two sets of 500,000 of real estate, each set a down payment of 100,000 yuan. By 2004, each house would have been at least doubled. Each house earns 500,000, minus bank interest of 2 to 30,000, and 100,000 earns 470,000, 4.7 times times earnings. If 2004, you can get 1.14 million yuan of cash on hand.

If the end of 2004 to enter the Beijing property market, buy two sets of 2.5 million of high-grade residential, mortgage down each 500,000 yuan, to the end of 2006 double is not a problem. Then the real estate shot, you can get almost 6 million yuan of income.

This is only two real estate investment, may actually more than two times, and each time the profit will be more than 1 time times, Shanghai then rose twice times a lot of houses. So 1996 years to take 10,000 yuan into the stock market, the back can boldly invest in property, to today's best possible billion, not too good, there are millions of.

Of course, my algorithm here is based on the ideal situation to estimate, but only limited to the stock market, in real estate investment, only a little less than the calculation. In a sense, the foundation of China's rich people in the stock market, but the real Chinese to become rich in the engine, it is the housing market.

In the 10-year period, theoretically, China has given people with an investment mindset a lot of opportunities to become rich. But, in fact, not many people really make that much money. The reason is that this generation has received no knowledge and awareness of investment in education. The stock market at that time a lot of people in the eyes of gambling is synonymous, is very high risk place, even fear. I remember my 1997 years holding 5000 yuan in the market, two legs weak, heart speed, hair halo. After buying 700 shares, the fear of a colleague's words scared him to sell 300 shares. Fortunately, I persisted, after fighting, come out, earn more pay less, appreciate the charm of the securities market, but also slowly understand the charm of investment. Later dared to join the buying House team, although this small, but there are some gains. It's better than the people who put the money in the bank.

As far as real estate investment is concerned, few people in China realize that because of the leveraged effect of mortgage loans, they can earn several times the benefit of making money for you by paying the least amount of money. In this way, many people lose the opportunity to see a big fortune.

In addition to the reason for this concept, because many people grew up in poverty, little useful experience in large capital investment, once faced with the opportunity to invest in large funds, in the face of profit and loss over the scope of their experience, can not overcome psychological fear. Courage is not enough, let us miss a good opportunity to make a fortune.

Source: Inactive Habitat