Why don't you keep the money in the bank?

There is a popular saying that "saving is not making money, and saving is not managing money". What is financial management and where to put the money? As we all know, Qian Shengqian is the fastest place to make money, and the days of making money by labor are still very short. Only by spending the money you earn on profitable businesses can you get more income. The money lying in the bank will not produce more value, nor will it be used by others to make money for yourself.

Instead of letting others borrow your money as the capital to make money, why not use it as your own capital to make money? If money is not the main problem, what kind of life do you want? What kind of house do you want to live in? In which neighborhood? What kind of car do you drive? What kind of cause are you willing to sponsor? How to spend a holiday? ... how do you want to live? What should you do now for this dream? There is a simple truth that many people don't understand ~ If you want to live a different life, you have to do different things.

When I first started my career, I was very optimistic about the prospect of the career as an engineer and thought it would bring me rich income. But a few months later, I found that I signed a 40/40/40/40 contract, that is to say, in the next 40 years, I will work 40 hours a week and wear 40 yuan's watch, so my living needs can only meet 40%.

I began to suspect that this was a terrible mistake. None of my bosses could live my dream life after climbing to the top. We have actually made a lot of preparations for our career, but our choices are really limited. What about you? Are you satisfied with the choices you have? Have you thought about the future? When negative news reports make you anxious, have you considered a better way? Try hard and think that life will flourish. Do you feel like walking on thin ice? I think many people think the same way as me. We were looking for something similar and found some answers. I want to share it with you.

If you think about it carefully, you will find that there are only three ways to make money in the world:

The first option is to go to work and be employed by others.

About 90% people around me choose to do this. In the past 50 years, with the development of industrialization, most people have found jobs, and schools are also teaching how to find jobs, how to work for others, and how to adapt to large enterprises and institutions. Working has become the first choice for most people. Most of these people went directly to the camps of the poor.

The second option is to make more money and invest the money earned.

The third option is to set up your own business.

Traditionally, these options have their own advantages and disadvantages.

I like to analyze two kinds of income: temporary income and permanent income.

Temporary income is the income that you have to appear in a certain occasion to get.

I always remember a joke. Someone owns a very successful enterprise, treats employees well, and employees are loyal to him. One day, realizing that machines can replace most employees and greatly improve work efficiency, he called loyal employees to the office and said, "You have been loyal for many years, and now the enterprise no longer needs you, but you still get paid. All you have to do is get paid every Friday. Is there any problem? "

A young man standing in the back asked, "If you can't come on Friday, do you want to ask for leave?"

I wonder if you work in such an occasion? This employment mentality is quite common in today's commercial organizations.

Over the years, people have formed a mentality that others owe him living expenses, sincerity and future. I don't like complaining all day about how bad the company is, how to fire employees, and how unpredictable people there are in the future. Because these are the essence of modern business, and this is the true face of the world.

Some companies are excellent, take good care of their employees, and are often forced to lay off employees because of the economic downturn or other reasons. This is the fact of work: you must have a healthy body, appear in a specific workplace, rely on your wisdom or skills, and some factors beyond your control to earn living expenses. The economic situation, government actions and what happens in your industry are often unpredictable, which is the essence of work.

Permanent income is income that has nothing to do with what you do every day, such as investment income, copyright income or business profit. Therefore, the future of working for others is uncertain. The ups and downs of economic income, the contradiction with the boss, one's own health and so on. It will have a great impact on the future. If some unpredictable tragedy prevents you from working, how long can you persist financially? Professionals know that health reasons or accidents will make them unable to work. Sales staff can't engage in sales promotion because of their sudden voice loss; The pilot can't fly the plane because of eye inflammation; The dentist injured his finger in a traffic accident and could not operate; Television photographers can't go to work for several months because of hepatitis and other reasons. This could happen to you, too.

This kind of thing happens too often. Many people don't pay the installment for three months, and the TV will be confiscated; Most people lose their cars after six months of unemployment. If you have no job for twelve months, you will lose your house; Most of them will go bankrupt in 18 months or less.

How much is your income guaranteed? Let's look at the statistics. The population with an annual income of 1 10,000 yuan or more shall not exceed1%; People with less than 65,438+00% earn nearly 40,000 yuan a year. If your income is above this level, you will definitely feel good. Because of taxes or inflation, most people earn 2% less money now than when they first started working. Most people only have tens of thousands of yuan in cash assets, while 30% of people over 65 live in poverty and only 5% are economically independent.

On the other hand, every 12 minutes, one person becomes a millionaire. Most of the country's millions of millionaires got rich by developing their own businesses. How can I change myself and join the ranks of millionaires instead of being a donkey in the mill? The following are some interesting results of Gallup poll: 80% of urbanites said that time passed too fast; 54% people said that they were overwhelmed by work; 5 1% means you don't have time to do what you want.

Everyone says he is busy, because there are important things to deal with, and things big and small seem endless. You must give priority to more important things. Work is the most common factor that deprives people of time. Most people want to work four days a week instead of five, but their income is never enough. Many people feel the pressure of time because they spend their time pursuing money. If you trade time for money, you will spend all your time; If you spend all your time, you are finished.

We also need to make a breakthrough in this respect. Many people, even professionals, such as doctors and lawyers, exchange time for money. They spend more time and earn more, and spend less time and earn less. Keeping a balance between taking care of the family and maintaining economic income drives many people crazy. They need both time and money. You may be like me. You may know many people who have money but no time, or you may know many people who have time but no money. Neither is ideal, and neither is perfect.

We need both time and money. Real wealth is having time to do what we want to do.

The most common way for ordinary people to dispose of their property is to deposit it in the bank. In China, most people still keep their hard-earned money in the bank as "real estate". There is a certain reason for this. In the eyes of many people, putting it in the bank will not cause unexpected losses, and it is a good way to get some interest.

But deposit in the bank is not the best way to manage money. The simple interest growth model is very slow, and the demand deposit may not bring you the expected interest. You can take a look at the following typical example first.

Lao Zhang and his wife both work in a state-owned travel agency. For more than ten years, they are reluctant to leave the restaurant and take a taxi. I ran to the bank as soon as I got paid, and finally I saved hundreds of thousands. Lao Zhang has an old idea that nothing is like putting money in the bank.

Originally, the couple planned to save until retirement, but in the past two years, relatives and friends have been busy buying this and that. Every time we get together, the topic is not funds, stocks or houses.

On the birthday, a piece of news aroused everyone's topic again. The news is that in May, China residents' deposits decreased by 278.4 billion yuan, the largest monthly decline in history.

At the dinner table, everyone chattered to give advice to Lao Zhang.

"Elder brother, this year, who will put the money in the bank? Now it has become a' negative interest rate'! As I say, you might as well take the pig home and put it there to enjoy! " My brother's voice just fell, causing the whole family to burst into laughter.

Brother-in-law took the words: "You should open an account and buy some funds, and the rate of return will be at least 10% in one year! If this deposit bank has a current interest rate of only 0.72% and a 20% tax deduction, it is not cost-effective. "

"I see that buying a house is still relatively practical." Lao Zhang's mother spoke. The old lady is over 70 years old, hale and hearty, and speaks slowly: "those things in the stock market are too empty!" Buy a house, at least you can see it and you can't run away! "

"Mom said that house prices in Beijing can only go up!" Lao Zhang's brother-in-law said. In 2003, under her "wise planning", her family bought a house of more than 80 square meters in Wudaokou. In recent years, house prices have soared, from the original 4000 yuan/square meter to 1. 1, 000 yuan/square meter. Lao Zhang's sister-in-law is very proud and keeps her mouth shut about real estate investment.

My elder sister said, "Brother, actually, the income from buying stocks is also good. Economists have said that the bull market has just begun. You see, the stock I bought at the beginning of the year has doubled now! "

Everyone, I was stunned by your words. According to everyone's speech, my wife made a "concluding speech": "That is to say, the interest rate of bank deposits is too low, and interest tax will be levied additionally. Saving a bank is equivalent to depreciation! "

"I just want to deposit it in the bank." Lao Zhang is upset. "Besides, I don't understand the stock at all, and I don't have the energy to stare at it every day!" He ended the topic with a wave of his hand.

After dinner, the relatives were sent away, and Lao Zhang and his wife began to sum up the matter. My wife took out her calculator and calculated it one by one: "Our family now saves 40,000 yuan every year. At the current interest rate of 0.72%, after deducting 20% interest tax, you can only get 230.4 yuan interest for the whole year. Make a one-year time deposit, less than 1000 yuan after deducting interest tax. "

"You say, this 1000 enough to cope with prices? I went to the food market a few days ago, and the price of pork was 8 kg 13 yuan. When I went in the afternoon, it was 14 yuan ... "My wife looked at Lao Zhang with a puzzled face.

Looking at his wife's anxious face, Lao Zhang's thoughts about deposits can't help but be shaken. Relatives always double the number of buying houses through stock trading, from 50,000 to 65,438+10,000,150,000. I really envy him. However, he knew that he didn't have enough money to speculate in real estate and didn't have the energy to do business. He can't afford the risk of buying stocks directly. It seems the safest way to deposit money in the bank. However, the interest rate of 0.72%, the interest tax of 20%, and the recent rising prices have shrunk the hard-earned money in the bank ... Lao Zhang suddenly felt very uneasy. what should he do ？ Combined with reality, that's it. If you keep your money in the bank, you won't earn much. That money is dead to you, but others will use your money to make money for themselves. So for myself, putting money in the bank to make it active and turn it into capital is not the best way to manage money.