With a monthly salary of tens of thousands, are you still the group folded by Beijing? Where can the income trap escape?

Stephen Chow said: If you don't have an ideal, what's the difference with salted fish? I believe that many new people in the workplace who have just worked will have a realistic ideal at the moment they enter the workplace. They want to get ahead and stand on their own feet. Many people believe that they will be able to stand on their own feet in this city, but the foothold is based. But have you really avoided the life?

what is the income trap of wage earners from the perspective of international awards?

Since Liu Cixin, a famous science fiction writer in China, won the Hugo Award, the world's highest science fiction award, for his epic masterpiece Three-body, another China writer won the Hugo Award again this year, and this person is Hao Jingfang, a post-8s science fiction writer in China, who won the Best Short Story Award in the 74th Hugo Award for his masterpiece Beijing Folding. As early as before Hao Jingfang won the prize, the author had read the article "Beijing Folding" more than once. The setting background of the full text is actually not unconventional, but it tells a story that seems to happen around us.

Time flies. One hundred years later, under the sunshine of the 22nd century, Beijing, our capital, was folded into three completely different spaces in China. In the first space, there are a group of people who are the richest and most powerful. They are the elite and the top of society, and their living time is from 6 am to 6 am the next day. When the 24 hours belonging to the first space ended, the first space entered the dormant stage, and the earth began to turn over. After the turn, the second space and the third space appeared. The second space is inhabited by wage earners, while the third space is inhabited by the poor. People in the three spaces are allocated in strict proportion, using 48 hours of the world, and through the flip of the earth, they run around in a cycle of 48 hours.

Simply from the perspective of science fiction, Beijing Folding has a gap in writing depth and breadth compared with his previous Three-body, and there is no such profound philosophical proposition as cosmology, but Beijing Folding has a completely different practical significance for every wage earner.

In the real society, although we don't have three distinct spaces, we do have different social division of labor. The boundary between the rich and the poor is still obvious, but this boundary is not fixed. Ordinary people can develop upwards and also fall downwards.

At present, wage earners in China are falling into an income trap. Many of my friends are telling me that my monthly income is tens of thousands or even my family's monthly income is 2, to 3,, but I still have a hard time and am still anxious. In fact, the concentrated expression of this mentality, the author believes that this is the income trap of the current wage earners. The so-called income trap: that is, in the case of economic recession or relative L growth, the expectation of salary increase has been continuously reduced, and many industries in the same industry or similar industries have seen a wave of salary reduction, so the income at this stage has begun to become insecure, coupled with the relative imperfection of social security, people's pressure and anxiety have begun to rise, and even started to have bad hints.

how does the income trap work? After watching Beijing Folding, I believe that most people want to enter the first space, but they don't want to enter the third space. However, people who are now facing the income trap have a potential crisis, which is the risk that they will continue to decline. Since the reform and opening up, China's economy has been improving, especially after entering the 21st century. In recent ten years, most industries are in a relatively stable rising period, and the economic development is improving, and the steady increase of income level has become the norm that most people take for granted. Many people's consumption plans are even formulated according to their own income growth level, and even many people overdraw their future income.

there is a concept called "ratchet effect" in economics: the so-called "ratchet effect" means that it is very easy to increase upward but very difficult to adjust downward when a person forms the existing consumption level. This is the same as China's old saying that "it is easy to be frugal and difficult to be frugal". But the problem now is that when China's economy enters a new normal, L-shaped growth has become the general trend. Even the banking industry, which is famous for lying down to make money, recently broke the news of large-scale layoffs and salary cuts. When the recession in various industries became normal, most people's anxiety was generated.

More seriously, this kind of anxiety will have an effect in psychology, which is called self-fulfilling prophecy. Due to the expectation of falling income level and the influence of various pressures, people will unconsciously develop their behaviors towards unfavorable expectations in an anxious environment, and finally some bad realities will come true.

so how can we escape this income trap?

Actually, the answer to escape is given in the novel Beijing Folding, and this answer is time. I don't know if you have paid attention to it. The biggest setting in Beijing Folding is that the time is different. In a period of 48 hours, people in the first space enjoy 24 hours, people in the second space enjoy 16 hours, and people in the third space only have 8 hours. In the article, the biggest gap between people in different spaces lies not only in income, but also in the fact that Lao Dao, the hero of the article, is a wage earner with a monthly income of over 1, yuan. But the real problem lies in time. Because of time, it is extremely difficult for people in different spaces to change their roles. Similarly, the biggest advantage of our real world is that no matter you are a rich tycoon or a hard-working diaosi, everyone has the same time, which is 24 hours. This is the real advantage of changing yourself. The key points are as follows:

First, cultivate the consciousness of time cost.

The most critical theory in economics is the cost of time. Everything has a cost. It was once said that the poor cherish money and the rich cherish time. I want to say: No matter the poor or the rich, time is the most precious. Instead of spending a lot of time scouring Taobao for low-priced products and taking a few hours to snap up low-priced discounted living materials, it is better to spend this time where it should be spent. Although there are many goods on Taobao, the really high-quality goods are limited. Instead of scouring for so-called bargains on Taobao, JD.COM, Amazon and other platforms, instead of spending a lot of time scouring for cheap goods, you feel that you have taken advantage of it on the surface, but actually bought the most expensive thing, because the time cost you spend on cheap goods far exceeds that of an ordinary commodity.

the second is to cultivate self-appreciation consciousness.

No one is born a genius, and everyone's ability is a process of continuous cultivation and acquisition. Many young people who have just joined the company are complaining that they are not valued in the company and their income is too low. But has anyone considered that youth is the most valuable capital, because youth represents that you have far more time advantages than others? There is a classic joke that for any industry, as long as you study hard for three years, you will have the opportunity to become a professional in its industry. If you study hard for seven years, you may become an expert in the industry. Therefore, it is always the first step of self-appreciation to use all available methods to improve your ability in the workplace.

If you don't like your industry, or your industry has little room for value-added in a short time, you can consider turning yourself into a slash youth. What is a slash youth? That is, after your own work, you turn your hobby into your second career through your own hobbies, which requires you to really cultivate your hobbies after your own work. Everyone has about four hours besides working, eating and sleeping every day. I think these four hours are a person's value-added time. It is not a thing to become a slash youth or carry forward your hobbies through proper use of these four hours.

the third is to build the awareness of financial management.

The above two suggestions are aimed at avoiding waste and increasing value, while the third suggestion is to establish financial and business awareness. In this world, besides making money by labor, you can also make money by capital. The so-called way of making money by capital is not only the traditional way of investing in the real economy, but now more choices are investing in the financial industry. For most people, they don't have the ability of financial traders to speculate in stocks and futures, but we can consider other ways to maintain and increase the value of assets, such as investment funds. For those who are afraid of risks, we can consider investing in money funds and bond funds. For those who are not worried about risks, we can consider investing in partial stock funds and stock funds. For those with fixed income, we can consider investing in fixed investment funds. These are all means to maintain and increase the value of assets. For most people, don't ask how to make money first, let them have the awareness of financial management first, ensure that wealth does not depreciate, and then talk about how to get more wealth gains through finance.

viewing the world wechat from an economic perspective WeChat official account Jiang Han's vision observation ID: jianghanwiew.