If the economic crisis occurs, how should people who eat melons manage their money bags?

In recent years, especially in the near future, "will there be an economic crisis in 18?" "The biggest economic crisis in history is coming" and other news about the economic crisis flooded the online media, constantly strengthening everyone's sense of crisis, but few people stood up and told the people who ate melons how to deal with the economic crisis. The author is incompetent. I want to sort out my thoughts on the economic crisis and share them with you. My personal opinion, if you are interested, you can pay attention or leave a message. Thank you!

To solve the problem, it is necessary for us to understand the essence and manifestation of the problem. So here we first understand the essence of the problem, what is the economic crisis?

The definition given by Baidu is: economic crisis refers to the continuous contraction (negative economic growth) of the national economy of one or more countries or the whole world economy for a relatively long period of time. Economic crisis is a cyclical overcapacity crisis in the process of economic development and a decisive stage in the economic cycle. This is a popular explanation. To put it simply, the occurrence of economic crisis is spatial and cyclical, mainly manifested in negative economic growth. There may be some readers' feedback. I can read, but I still don't understand what this economic crisis has to do with me. Ok, I want to make a simpler explanation with the following familiar keywords and cases.

1. Business is hard!

Do you think it's not an economic crisis that business is difficult to do? Did your cousin or friend in business tell you that business is difficult, not an economic crisis? After all, many people in China are modest and low-key. They obviously earned money for a year, drove a luxury car, and sat with you during the Chinese New Year, or said that business was difficult. So what is the economic crisis? The economic crisis is your gossip. Your classmates in gay friends have told you that business is difficult, and you are really "low-key" in dressing and traveling than before. Then I have to tell you that the economic crisis is either coming or on the way.

2. Bankruptcy and unemployment

A friend once came to me and said, I went to a breakfast shop I often went to for breakfast yesterday, only to find that the breakfast shop was closed and transferred. Is it an economic crisis? I can only laugh. Is the closure of a small restaurant and barber shop an economic crisis? Not to mention one, even if small self-employed individuals like 10 and 100 go bankrupt, isn't that an economic crisis? You know, now is the era of mass entrepreneurship and mass unemployment. Entrepreneurship is inherently cruel. Even without the economic crisis, more than 65,438+000 people were successful. The economic crisis will not play with us, and its arrival is bound to be accompanied by the bankruptcy of banks or giant companies.

Let's talk about unemployment. The world is so big. Do you want to watch it and fire your boss? Is it unemployment caused by the economic crisis? Of course not! You are lazy, you are not qualified for this job, and being fired is considered as unemployment caused by the economic crisis? Of course not! When you work hard for the cause you love, the boss will announce that the department will settle down; Your seven aunts and your "friends" all came to you crying. They worked hard, but the leaders still gave up on themselves. This is the economic crisis.

The impact of the economic crisis is not unilateral or personal, but overwhelming. Give people an intuitive feeling that money is hard to earn and worthless.

There are many reasons why the economic crisis broke out. In view of the fact that the headlines do not allow individuals to publish articles related to politics and people's livelihood, I will be a good boy who abides by the law, so I won't introduce them much. Interested friends can pay attention to me and communicate with me privately.

Secondly, let's see when the world economic crisis will happen.

From 65438 to 0857, the first world economic crisis broke out in Britain, which triggered a wave of bankruptcy, paralyzed major financial systems such as banks, and plunged stocks, eventually leading to the American Civil War.

The oil crisis of 1973 triggered the fourth Middle East war.

1997 southeast Asian financial crisis, the Thai baht was like waste paper overnight, and turmoil broke out in Indonesia.

The subprime mortgage crisis in 2007 turned into a financial tsunami in 20 18, which also triggered the war between Libya and Syria.

After reading the above resume, we find that the world economic crisis is cyclical, that is, the curse of 10 years, and with the deepening of globalization, the cycle of 10 years tends to shorten. This is also the theoretical logic for many media and economists to judge that the economic crisis broke out again around 18 in recent years. I can't judge whether 18 broke out, but what is certain is that the economic crisis is not far away!

Now that we know what an economic crisis is and when it will happen, we are more interested in how to deal with it.

There is a popular view that when we don't know the answer to the question, in fact, others have already given us the answer. Let's first take a look at how the capital predators operate.

Warren Buffett:

His Hathaway company currently has more than $55 billion in cash, which is the most cash he has held since he became CEO.

Li Ka-shing:

Cash sales for many times, up to nearly 7 billion.

Wanda Group:

/kloc-sold its two main assets: hotels and cultural tourism in 0/7, which were mainly used to repay loans.

Of course, not only the above big groups or individuals have similar actions, but what we can know is that big bosses are busy with two things: realizing cash and reducing debts. For those of us who eat melons, there are not many fixed heavy assets to be realized. What do we do? Personally, I think: open source and reduce expenditure, cash holding! Open source does not advocate venture capital. After all, before and after the economic crisis, business will become more and more difficult to do, money will become more and more worthless, and it will become more and more difficult to earn. So individuals advocate saving money. After all, when it is difficult to make money, saving 1 000 is earning 1 000. The so-called cash holding means not advocating venture capital. When the economic situation is good, high risk means high income, and in the case of economic crisis, high risk = high loss. Of course, saving money does not mean not spending money, spending money is reasonable. For example, you used to eat meat once every half month, so is it ok to eat meat once a week? You lack a washing machine at home and want to buy an apple. Can we just buy a washing machine instead of apples? You can also buy some durable goods to resist currency depreciation. For example, gold is recognized and sought after by people all over the world, and its price fluctuates little. No matter whether the currency depreciates or appreciates, the total amount of equivalent goods exchanged by its value will not change. Economic crisis, after danger, also brings opportunities. The purpose of cash holding is to grasp the exit opportunity of the economic crisis and bargain-hunting high-quality assets.

An unprecedented crisis is not far away, and the time when cash is king has arrived. People who eat melons are waiting for bargain hunting with cash!

I also wish everyone 18, have a good trip!