[Financial Freedom] Respect the difference in the magnitude of capital.
This sentence is actually very popular in the market, and even it will become a "political correct speech" within a certain circle:
Is it powerful to have money?
In a sense, this is because the language itself is often too simplistic and too ambiguous as an expression tool. I guess the overwhelming majority of people actually mean this when they say this: "Although you have money, you don't have anything great." or "I don't feel you have any powerful, even you have many money."
Although these are correct, overly ambiguous expressions often in turn shape self-understanding.
Each of us has a “self-protection mechanism” embedded in our brains, which tries to ensure that we do not have a “psychological breakdown” in a variety of ways.
It is rare for a girl who is ugly to receive a love letter, but they have another interpretation of their own fact that they “can’t receive a love letter”: “I am not as frivolous as they are!”
For example, a long time ago, I was a person who didn’t talk very much, often spoke offenders, and often talked inappropriately - but at the time I had another “Straightforwar” explanation for my shortcomings: “This is how I am, speaking will not euphemistic, it will only go straight..."
When in school, not all students with poor grades were inferiority. On the contrary, they found their own superiority through their own set of explanations: "Don't look at his good grades, but actually nothing!" or: "My mom said, it is not necessarily good life to have a good grade in the future!"
Especially in the latter sentence, it is particularly confusing because it seems to be true - but in fact, the current poor performance also will not necessarily be good in the future; further, good grades and poor grades will be it is not necessarily good in the future. But the problem is that the “not necessarily” that is also expressed is not the same necessarily. The probability of 80% is “not necessarily”, and the probability of 20% is “not necessarily”. How can it be equivalent?
When we don't have money, this self-protection mechanism will jump out and try to find another explanation that will make us feel good and not let us collapse. If one angle doesn't work, will change one, also doesn't work then change it again. Until it is found.
For example, "Is it powerful to have money?" for many people, it is an explanation that can make you "sufficient peace of mind". We often hear that "not everything can be bought with money" is also the case - in fact, it was really have something can't be bought with money, so you can't buy it by have money or haven't, so, "have money." Not an advantage, "no money" is not an advantage. The end result is that "no money" is still a disadvantage. Because there is no money, "the things that can be bought with money" also can't be bought. Isn't it worse? !
This kind of behavior, we call it "find excuses" on weekdays, although it is a less precise concept, it can also be used.
The so-called "find excuses" is to for "unacceptable reality" to find an explanation that makes you "satisfied". If one angle doesn't work, will change one, also doesn't work then change it again. It's also don't good then choose not repay. Whatever “I can’t accept reality anyway” (what is the reality?)
Looking for an excuse, this "self-protection mechanism" is essentially an "ostrich strategy." When the ostrich encounters extreme danger, it will stretch its neck, lie close to the ground, and even plung the head into the sand, and the body will be distorted, completely ignoring the part other than the head can not be hidden (it is said that occasionally because of ostrich the dark feathers of their own are disguised as rocks or bushes, hiding from the pursuit of some other animals, but hunters are often impossible to be fooled by them.)
Furthermore, this mode of thinking is often "disregarding everything", "as long as there is a point to say it then ok", so if you look closely at those who have the habit of "finding excuses", you will find that they have already developed Habits, not only when looking for excuses, but in fact, they can only be "superficially thinking" at any time. When dealing with any "causal relationship", even if there is such a weak connection, they jump straight into "Causal conclusions", there are many other situations that need to be analyzed, and they need to be judged... Their excessively rich "excuses for excuses" make them unable to carry out any deep thinking at all, even if they permanently lose a capability - analytical ability. - Ugh! This is an indispensable ability to search for wealth opportunities.
You can even say this directly:
Search for wealth opportunities, relying solely on analytical capabilities.
We will discuss it in the future and will eventually understand that, in fact, even luck is actually affected by the ability of analysis.
Having said that, we are not making excuses. We are facing reality. "what a great place when have many money?"
In order to facilitate our analysis, we must first clear what the "great" object is. You have a lot of money, I don't have much money - assuming that this is a reality - that now, the "great" object is not you or me, but "the difference in wealth between you and me."
Yes, that "difference" is "great".
Not only in China, but each country has the definition of “qualified investors”.
Qualified investors refer to units and individuals who have the corresponding risk identification ability and risk-taking ability, invest in a single private equity fund with a minimum amount of less than 1 million and meet the following relevant standards:
- Companies with no less than 10 million assets; 2. Individuals whose financial assets are not less than 3 million or whose average annual income is not less than 500,000 in the last three years. (The financial assets here include bank deposits, stocks, bonds, fund shares, asset management plans, bank wealth management products, trust plans, insurance products, futures interests, etc.)
“The investment capacity of a single project is not less than 1 million.” This condition means that qualified investors should basically have the ability to invest in several projects of 1 million... 1 million, which does not sound much because Many families in China buy a house, and they often for a few million (of course, most of them are loan millions to buy a house).
But actually? A has 1 million of Idle money, and B has 100,000 of Idle money. The difference between this is 900,000, was 9 times... It is a big difference, but if you think about it, it is likely to be far more than 9 Double, but a "very great" difference.
Calculate it. You live alone in Beijing. The monthly pre-tax salary is 25,000 RMB. After the tax, you can count the Five social insurance and one housing fund, you can get a little more than 17,000 yuan. Under the premise of not affecting the quality of life, you How much can you save? Many people can't save two thousand - this is a fact, and it is a fact that other people who enter only 5,000 a month can't imagine. Assuming that 5000 can be saved every month, and only 60,000 a year, it is simple, that is, it takes 15 years to make up for the "900,000 difference" - this is still under the two premise :
- Assume that there are no accidents (15 years without accidents are actually impossible); 2. Assume that the difference will not become bigger after 15 years...
The core and key here is: How many 15 years can you live?
The difference is great, the difference is very powerful - whether you respect the difference seriously, in my opinion is really the most important "brain remodeling" motivation. If you don’t respect the difference, you will continue to make excuses, and eventually you will need endure the consequences and pressure of the difference, whether you like it or not. Then the brain is shaped into another look; in turn, respect that differences mean that the reality has been accepted. People who face reality seriously, even if they are “uncomfortable”, are “correctly uncomfortable” because the “difficulty” will prompt them to make the right choices. At the same time, the brain is constantly being shaped into a more suitable opportunity to find and accumulate the machine of wealth.
We began to take a deeper look at the "savings" behavior; began to carefully screen the necessary consumption; began to seriously invest in ourselves (in fact, mainly time and attention); began to truly focus on their own growth, because without growth, there is no accumulation, without accumulation there is no satisfactory status quo; start to seriously learn from those "rich people", to distinguish which ones are good and which ones are right, instead of coming up, they immediately come up with the idea that "you are so great?!" Begin to understand the value of thinking quality, so constantly and deliberately improve the quality of their thinking, temper their own thinking mode;
It's hard to imagine how much money the richest people in the world have, but we can easily understand how poor the poor are through statistics - and it's easy to understand how to be “not so poor” as quickly as possible.
A few years ago, a US company had investigated that in the United States, about 43% of adults couldn't take the $1,000 for emergency use - this is in developed countries! The history of credit card issuance in China began in 1986 when the Bank of China Beijing Branch issued the Great Wall Credit Card. Up to now, 30 years have passed, and large-scale issuance of credit cards for more than a decade - not long after, the proportion of the United States may also correspond in China: It is estimated that more than 40% of adults actually cannot take one or two thousand yuan of emergency money.
You want to save yourself a 10,000 yuan "emergency money" as soon as possible. Haven't meet emergency, never use it. Just put it over there. You may have surpassed 60% of the adults in the country. Unfortunately, it is as simple as that.
The wealth of the world is unevenly distributed. Whether people like it or not, the Gini coefficient has been increasing. According to the 2015 report of Oxfam UK, by 2016, you only need $77,000 (less than 500,000 RMB) of wealth, and you have become the richest person in the world's top 10%; and if you own With a wealth of $798,000 (less than 5 million yuan), you have become the richest one in the world...
Looking at it from this angle, "getting rid of poverty" is not difficult for those who are willing to think, willing to make progress, willing to ponder, and willing to try to correct mistakes. "Super rich" not something that can be done in a generation. But, when you think in turn, most people are poor, in today’s era, it’s really just thinking about poor quality - your brain is gradually being shaped into another Look, still in the case of completely ignorant.
Start today and take your savings seriously. Don't just stare at the number, learn to think in proportion, and learn to pay attention to the difference.
Your first "small goal" is to move into the first half, then in this half, and then find a way to enter the first half of this half...
You must respect the difference between the wealth of those who are ahead of you and your wealth, knowing that the differences are not measured by the value of money, but by the time required to make up for that difference...
So, you will understand the huge difference, you will have the right pressure and motivation to improve your unit time output, improve your own ability and efficiency, so as to shorten the time to make up for the difference - making money too slowly, the utility is halved, and it’s not a good thing to have money when you are old...
We all know that accepting reality is really painful, but it is the first step forward, otherwise there is no starting point.
Thinking and action
1 When was the last time you thought about "Is it powerful to have money?" when was it? For what? Reflecting today, you will find out where it was wrong before?
2 How can you make yourself “have a certain savings” really become rigid demand?
3 If “there is a certain amount of savings” is really just what you need, what do you do? What not to do?
More related reading
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How to recognize, choose, and cultivate the right rigid demand?