When people reach middle age, they are in debt of more than 2 million. Now they work as coolies on construction sites. Is there any hope in life?

It would be a pity if it is a vicious debt. For a long time to come, you should stop thinking about starting a business and investing to get rich, because it has nothing to do with you.

If it is a benign debt, such as a loan to buy a house and a loan to buy a high-quality shop, then it is actually not a big problem.

You know, there is a big difference between benign debt and malignant debt.

Vicious debts often refer to debts arising from overdraft of future financial resources and purchase of depreciated assets, such as loans to buy cars, loans to buy luxury goods, and even gambling and entrepreneurship.

These are vicious debts, which will give you a lot of pressure over time and make it difficult for you to turn over.

But benign debts, such as loans to buy a house and high-quality shops, will increase your market value and income over time. And when you need money, you can sell it and realize it, and you can even get the money by mortgage. Don't be afraid of this kind of debt.

My own debt is more than 2 million, which is the debt of two stores. At present, the monthly rent can be supported by rent, so it seems to be in debt of more than 2 million, but the pressure is not great.

Then, it is very important for you to confirm what kind of debt you have!

If it is a vicious debt, then the best strategy is to pay it off as soon as possible. Don't continue to let interest roll, and don't think about venture capital to pay off debts. Because most people in debt are out of balance and out of control, it is difficult to remain rational and patiently get returns through investment and entrepreneurship.

Do small jobs on the construction site during the day, and do sideline jobs such as Hungry, Meituan and Cost at night. And strive to pay off the debt in about 5 years. Compress your consumption desire and reduce useless social interaction.

No one can help you at this time, and no one will help you. You can only rely on yourself! Come on!

Pay attention to Zhang, don't get lost in investment, there are dry goods in the column, welcome to "taste".

When people reach middle age, they are in debt of more than 2 million. Now they work as coolies on construction sites. Is there any hope in life?

I am an entrepreneur and a middle-aged man. I have more debts than you. Choose to answer.

Three years ago, he declared bankruptcy, failed to start a business and was heavily in debt. At that time, he was under great pressure, forced to pay his debts, was "closed" and was executed by the court. I thought about suicide, and I will get rid of it. However, there are families, children and parents. As a man, I haven't finished these mundane tasks myself, and I can't let go of my responsibilities. Alas! Still grit your teeth and stick to it. For a middle-aged man, with so much debt and so much pressure, is there any hope in life? Through my three years of hard work, I have paid off millions of debts and my family life is stable. I can assure you that there is always hope, and it is not too late. However, I need specific plans and specific implementation.

First, mentality.

For a middle-aged person, life experience tells us that a good attitude is more important than anything else, because middle-aged people will not be delusional, will not blindly follow, and will only do it.

Not afraid of death, but also afraid of difficulties! Life experience is our precious resource. It is our nature to bear hardships and stand hard, and it is our nature to do things in a down-to-earth manner. Although the pressure of life is great, there are old people in the world, small people in the world and heavy debts, as long as you work hard day after day, you can always get results.

Second, action.

No matter what career you choose, you will achieve something as long as you stick to it. Of course, for a middle-aged person, it is difficult to have ambition.

You choose to be a coolie. Personally, I think this is the beginning of your beginning. Solve the problem of survival first and reserve your personal energy.

Third, seize the opportunity.

As a middle-aged man with a debt of 2 million, he must have his own mature ideas and know what he does, wants and prepares every day.

Once the time is right, follow the trend,

Fourth, study.

Of course, as a middle-aged man, what I lack is not exercise, experience, management or projects, but persistent study and keeping pace with the times in order to play well in the market. Only learning can grasp opportunities, and only learning can solve problems.

In a word, only by studying can we get all the resources.

The above points are very important for a middle-aged person. As long as you believe in yourself, you will go ashore sooner or later.

Personal opinion, thank you for your attention and welcome comments.

People are most afraid of failure in middle age, losing their loved ones in middle age and losing motivation in middle age. What I am most afraid of is that when people reach middle age, they will suddenly fall from a superior environment into an unknown reality. From being noticed to being left out, this person seems to be suffering in a frying pan. Therefore, in real life, I have seen those who are down and out, and I have also seen those who are financially bankrupt. They used to be bejeweled and rich, and their business failed and plummeted. Great contrast often makes them nervous breakdown, often feel useless, and often dare not show their faces in public. There is always a condemnation and burden in my heart.

Like this man who lost 2 million in business, at least you know how to work as a coolie, at least you want to use your own ability to pay back the money. What I want to say is that as a person who lost 2 million in business, he will admit the debt he owes, even if he kneels. This is a good man, an ambitious man. In fact, people should dare to face failure when doing things. Sometimes I don't appear on this stage with flashing lights, but in the future, a spotlight will flash by me, because I have the direction to work hard and the will to fight hard, so I say, as a man, don't be afraid of losing business and money. As long as you dare to fight, the down-to-earth future may not be a mess.

As a man, I sometimes deeply reflect on myself. Once my career was smooth sailing, but because of some coincidences, I was transferred to other places and never recovered. Former friends become strangers, former relatives become people who laugh at you. The huge contrast is an unacceptable reality for everyone. At that time, it was really hard for me to accept this phenomenon and face these changes in the world. However, I still try to be myself. Finally, I made a little progress in my work, so I said it was a good thing that I didn't remember. Fortunately, I didn't give up easily. So I said, losing 2 million is not a big deal. As long as you have direction, effort and commitment, you are right. I think you will be born in the future.

You paid 2 million yuan as a coolie, which proves that you are a person who is not afraid of difficulties and is willing to fight for your ideals. So I said, you will eventually overcome these pains and failures, you will become a successful person, and you will definitely get out of Tycho.

Your attitude of suffering is right, and it will also help you to think about your future life. But 2 million is not a small sum. It's hard to turn over as a coolie. Let's change our strategy!

Middle-aged people are in debt of 2 million and work as coolies on construction sites. If they have no chance to be contractors, there is no hope in life.

This involves a question of development and survival.

Because people reach middle age, working as coolies on construction sites can only solve temporary survival problems. If it is to pay off debts, it is necessary to find another way to develop. If you don't have the ability to accept the project and don't want to gain anything from it, then working hard on the construction site is only for survival, not for debt repayment and development.

For example, I am in debt of 3 million. You asked me to work at the construction site, but I couldn't help it. The first time was not my own, and the second time was not allowed by my body. Now we must rely on street stalls to survive, and then find business opportunities through street stalls to develop.

Many times, don't neglect development in order to solve the problem of survival. Working hard at the construction site is only a temporary expedient, and you should not hesitate to leave when you encounter greater opportunities.

It can be done in two steps. The first step is to help yourself and solve the basic life of a family through work. Second, you can work in the workplace and accumulate some cash to be used as funds for starting a business.

Although this part-time job is an expedient measure, it also proves that we can calm down at this stage, slowly look for opportunities, reflect on our work, find out all our shortcomings and then correct them.

If you can have more time, you can meet better people. Because only by knowing more people better can we find more business opportunities and have more opportunities. If you have been working on the construction site, you can't.

Time is always our biggest enemy on the road to paying off debts, and new and useful contacts are our biggest helpers on the road to starting a business.

I'm Yuan, a middle-aged business alliance. I hope my answer can help you, pay attention to private letters and communicate more.

I used to be a debtor, and I also spent a short adjustment period through the construction site.

Working on the construction site is not the purpose. I'm looking for some opportunities or projects suitable for my business on the construction site. I cleaned up the construction waste for the hardcover room of the hardcover company on the construction site, and later engaged in the land reclamation and cleaning business of the new house, which can be regarded as finding the direction of entrepreneurship through the construction site, and then slowly accumulated funds to open my own cleaning company.

I feel that working on the construction site is only a transitional period. First of all, many construction sites have the phenomenon of wage arrears. You can only rely on the monthly living expenses to maintain the basic survival problem at the construction site, but you can't fundamentally solve your debt problem! Through the transition period of the site, you can choose your own entrepreneurial projects around the site. For example, if you have a skill, you can set up a mobile dining car near the construction site to sell fast food, or you can try to do garbage removal, find sources of goods, and sell some cheap work clothes at the door of the construction site.

In short, priority is given to small investment and entrepreneurial projects suitable for the construction site. Don't be afraid of small investment, develop bit by bit. When you have the original venture capital, expand the scale step by step, keep in touch with your creditors at any time, and briefly introduce your development plan. This will also give creditors confidence, relax your repayment period and give you a certain repayment period for starting a business. Don't think about using all the money you earn for repayment at once. Such repayment will make you unable to accumulate venture capital at all!

Some suggestions:

No matter what you have been through. Let go of the ideological burden, stabilize the mentality, and don't bring decadent mentality into daily life and work.

Strive for a healthy and reasonable diet every day to ensure good health. Your future business needs good material support. Don't use health to pay for your future business.

Wish: a smooth start, an early landing, come on!

When people reach middle age, as long as they buy a house, they will basically bear huge debts. So you don't have to be disappointed in life because you are in debt of 2 million.

I think as long as people live, there will be hope. So back to the topic, what should I do to pay off my debts quickly? As long as you pay a little attention to the coolies on the construction site, you will find that there is an unremarkable job that is easy to make a fortune, and that is the contractor. So you can work hard as a contractor, and the wealth behind will accumulate quickly. Then I'll share two examples around me to explain why the contractor is so humble that it's easy to make a fortune.

Many people from rural areas to big cities are willing to endure hardships and have a certain business sense, although their education level is not high. After I came out, I began to find someone to work for the construction site. Usually, I go back to my village and pull a few able-bodied men to work together. Although these contractor industries are not very impressive, they are rich in oil and water. It is enough to do several big projects a year. Let's talk about how people I know got rich as contractors.

My uncle is a typical construction contractor.

My uncle went to Dongguan when he was about 20 years old. In the early years, he mainly worked in factories. Later, he found that he was not free in the factory and went out to work by himself. Slowly, after accumulating a certain number of contacts, he began to do his own work. He mainly builds shelves for others, so his cost is to buy shelves and build them for the construction site, or to decorate the external walls of private houses. In this way, he earns a lot of money every year, mainly relying on the help of people who are familiar with the village. This kind of work looks ordinary, but there are still millions a year.

My college classmate became a contractor after graduation.

I have a college classmate who went to Shanghai with his father as a construction contractor after graduation. He mainly buys shelves like my uncle, and then asks someone to help build them for the construction site or privately. Only one year, and then I bought a house in Shanghai. In fact, he studied in this university for nothing. If he hadn't gone to college for four years, he would have made a fortune with his father. But reading more books is also good. Go out to talk business with others, it is better to find a good contractor.

So I think the construction contractor on the construction site is an unremarkable but easy-to-get-rich industry, and you can work hard in this direction.

Under the current economic background, we can only recognize the situation clearly, turn it around, be less agitated, less impulsive, less cooperative, less daydreaming, more wait-and-see and less action, otherwise you will lose everything, just like the above victims, so we should cherish our existing wealth, do our best to protect it, preserve it, take good care of it, don't let it go, don't be extravagant, don't be credulous and cheat. Don't make a wish while pushing a cup for a change. Now the only safe way out for capital is not the stock market, futures, blind investment, and taking it for granted to start a business, because the environment has deteriorated, the upstream and downstream costs have been infinitely amplified, and the costs of labor and logistics in the facade factory have greatly exceeded the space you want. The funds you have are just a drop in the ocean, and there is no return. It's not that you're not afraid of work, hard work and IQ. Why bother? Exhausted useless work, exhausted all the family wealth, forgot to eat and sleep day and night, and in the end did not please, spent money on rafting, beat dogs with meat bags, lost their lives and money, lost their wives and soldiers, why not die?

If you have a debt of more than 2 million, you should still carefully analyze your debt.

The most important thing is what is your net worth?

If your net worth is negative 2 million, then you may face a lot of trouble.

But if your net worth is still positive, it means that you still have a great chance to make a comeback.

Analyze the source of debt

First of all, you have to analyze the source of this debt of more than 2 million. If you buy a house with a loan, then this debt can be said to be benign. It can be said that your assets are greater than your liabilities. In this case, there is no need to worry too much.

But if your net worth is negative, you have borrowed money and nothing. If you are such a vicious debt, you may have to reflect on how to pay your debts better.

Working as a coolie now is also a way to pay off debts. If you have other skills, you may be able to earn more money to pay off your debts.

Therefore, when you analyze the source of your debt clearly, you should put down your burden and actively pay off your debts.

Let go of the burden and actively pay off debts.

Debt is not terrible. The key is to let go of your burden and actively find ways to make money and pay off your debts. If your debt is benign, such as buying a house or opening a shop with a loan, then these are your assets. You are working hard now just to pay off your debts as soon as possible, so it may be easier to pay off your debts.

If you have a net debt of 2 million, the pressure is really a bit great. Now as a coolie, you can also consider whether you have other specialties, whether you can make money faster in business, earn more money, and then pay off your debts faster.

Debt is really stressful, but we should also face it positively. As long as you can think well and work hard to make money, it is estimated that you can find a way to pay off the debt of 2 million as soon as possible.

Seriously reflect and never get into debt again.

Debt of 2 million is really stressful. But if you find a way, you can also pay off the debt as soon as possible through your own efforts.

After paying off the debt, you must seriously reflect on it and never owe so much again. After all, debt is really stressful.

In life, you must plan your own consumption and try to be frugal, so that you can live a good life and never owe such a high debt again.

Therefore, after paying off the debt, we should also seriously reflect on it and never pay off the debt again.

To sum up, if you owe 2 million yuan, you must carefully analyze the source and nature of the debt, and then face it positively and try to make money, so as to pay off the debt as soon as possible.

Thanks for reading!

Nobody asked if you were poor in downtown. Rich people have distant relatives in the mountains. When people are down and out, when they are poor, let alone relatives and friends. Even ghosts are afraid of you. I'm in debt of 1 million, and now I can't even borrow 100 yuan. I can't do anything. As long as people are alive, the poorest people will beg and will always come out. Hang in there, salted fish will turn over one day. Recently, they have been wandering in the street again. All right. People don't die or die. Most of the time, I died by myself, so I can't blame others. When they are rich, they have many relatives and friends. When they are poor, they really understand and see their friends around them.