Based on the current domestic market situation, if you had a choice of 100,000, would you buy a car or start a business? Why?

Everyone’s family, work, and life are different. Based on the current actual situation, the following is my personal opinion:

This is the current domestic market. If I have 100,000 yuan words.

First, I would choose to do a small business, such as opening a small breakfast shop, because this industry is what people need every day.

Second, buy a small electric tricycle and wholesale some fruit every day. Fruit is also a daily place that everyone cannot live without.

Third, use 100,000 yuan to buy some stable financial products. If you don’t have a job, find a job and work hard. Wait until the epidemic is completely over. Why not buy a car, because cars are consumer goods , owning a car costs at least tens of thousands a year, and the car also depreciates every year. If the family is not well-off, it is best not to buy a car first. Start a business with light assets first.

Thank you very much for receiving such an invitation

Although I am currently abroad (affected by the epidemic, I cannot go back (?;︵;`)), I am also affected by this Due to the impact of the global epidemic, work has been stagnant, and policies require everyone to stay at home. The most practical problem is the sharp drop in income. I think many people have the same problem.

So without any source of income, If I have 100,000 in cash, I won’t spend it easily, that is, I won’t buy a car (sales with high cost performance can also be considered). In addition, because I am in the specialty industry, it is highly relevant to the year of health in 2020, so I will have it. Selectively stock up on some products such as sea cucumbers, bird's nests, and fish maws. After all, these businesses will benefit in the long and short term, not only by returning funds, but also by improving physical fitness.

Everyone makes a reasonable decision based on their own actual conditions and needs. Just allocate funds.

As far as the current domestic market is concerned, I don’t know how to buy a car or do business if I have 100,000 yuan. I owned a car for 100,000 yuan more than ten years ago. If you have to choose one of the two, choose business. You can buy as good a car as you want once you make money. You need to buy a car first, and you also need money to maintain the car. Once the business is done, , buying and maintaining a car is enough. Success in doing business is also a reflection of part of the value of life. Doing business is not easy. You must first understand yourself to see if you have the conditions. The most successful way to do business is for you. Only when you find a blue ocean in a red ocean can you develop quickly. If you compete in a red ocean with only 100,000 yuan and no experience, the probability of failure will be very high. The success rate of starting a business is very low. Doing business requires experience and a team. , a group of like-minded people, this is very important. Networking is also very important. Buying a car is a means of transportation, there is no need to spend the money like this.

If I have it. If you want to invest 100,000 yuan, of course the first choice is to do business, because you can make money by doing business, but there are also risks in doing business, especially due to the impact of this year’s epidemic and the serious economic downturn. Find an industry you are familiar with, and the success rate is higher. Money outside of your knowledge You can't make money from it. If you can make money from a car, buy a car. If you can't make money, don't buy it, because a car is a consumable. It depreciates as soon as it goes out. It needs to be refueled, inspected, and maintained every year. Insurance and fines will cost about 20,000 yuan per year. Of course, it also depends on your own needs. If you really need to buy a car, it is not necessary. The country is encouraging consumption, so it is recommended to consider it comprehensively and avoid blindly following the trend.

If I had to choose between the two, I would choose to do business.

For me, I have already bought the car. To be honest, if I don’t have to buy the car, I don’t recommend buying it. Pure consumer goods, there are too many cars now, and it is not much faster to catch up with the rush hour than walking. It is better to choose to do business at the moment. Although business is difficult to do at the moment, it does not mean that it cannot be done. There are still opportunities. . If you don’t do it, you won’t even have a chance to fail.

Of course, if 100,000 is all you have, I advise you to stop and go to work. You have to work hard, it won't work if you don't work hard.

The two choices are different in nature: choosing to buy a car means choosing to enjoy consumption and choosing to spend money; choosing to do business means choosing to "expand reproduction" and choosing to make money. If you have to choose one between the two, it is really difficult to make a choice.

The author recommends making a choice based on the following situations:

First, if you have strong financial backing, or your subsequent income is enough to maintain your normal life, you usually focus on improving the quality of life and taste of life. , or if you don’t have any business acumen at all, you can choose to buy a car first.

Second, if you are an entrepreneur with a weak financial foundation and plan to choose an investment project, it is recommended that you choose investment business projects carefully. Even if the business fails, you will not lose all your principal; notice By investing in a business, you will gain experience and find ways to make a living and make money. It is also a good choice to wait until you earn a certain amount of money to buy a car to improve your quality of life.

In short, you should make the choice that suits you best according to your needs.

Combine your own conditions and experience. I choose to do business. Let’s talk about the pros and cons of buying a car first. Anyone who buys a car knows that it is a consumable. If you buy a car worth 100,000 yuan, it will depreciate and be worth only 80,000 yuan as soon as it leaves the 4S store. Coupled with various parking fees, maintenance fees, annual inspection fees, illegal refueling fees, etc., it will cost at least 10,000 to 20,000 yuan a year. So one of my own cars has been driven for 10 years and has not been replaced yet.

Let’s talk about why we want to do business. I have been working part-time for more than 10 years, and I have found that the word "work" in part-time work never leads to success. Even if you think you work very hard, you may not have good results. Two nights ago, I went home for a walk and found that the middle-aged couple selling breakfast were running wild. It made me understand that in business, you only need to work hard and work diligently. All efforts are for yourself, and you have goals and goals.

If you haven’t thought about it clearly, don’t make a decision blindly. You’d rather put 100,000 in the bank for financial management first. During this period, you can watch and think more, and then make a decision when the time is right. Not too late. Life is still a relatively long process, and there is no problem in considering it for 1-2 months.

Any large-scale consumption needs to be determined according to the specific family situation.

For example: How many people are there in the family? Are there children and elderly people? What is the family income? Do they need to pay back the mortgage (how much is the monthly payment)? What are the future goals?

To give you an example: A certain person is currently unemployed and lives in a third-tier city. For a family of three, the child is just a few months old. The wife works in a private company with a monthly income of about 5,000 yuan. The family currently has a savings of 120,000 yuan and a monthly mortgage payment of 3,800 yuan. Both parents live in their hometown and need to give the elderly a fixed amount of 1,000 yuan every month.

OK, let’s calculate this person’s family property and fixed expenses.

Income: 5000×12=60000

Deposit: 120000

——————

Expenditure:

1. Mortgage loan: 3800×12=45600

2. Living expenses for the elderly: 1000×12=12000

3. Household expenses: 4000×12=48000 (due to having children This fee is already the minimum standard)

4. Unexpected expenses: 10,000 (favor transactions, illness or purchase of large daily necessities, etc.)

Total: 105,600

Let’s analyze the pros and cons of buying a car:

Pros: 1. If you have children at home, it is convenient and safe to travel with a car. After all, the world’s epidemic is serious, and public transportation is still dangerous;

< p> 2. The elderly on both sides live in the same place. They need to go back to their hometown to visit their parents on time, or the elderly come to the city to see their children. They need a car to travel, otherwise it will be too troublesome;

3. After buying a car, you can Consider joining Didi. While taking into account your family's car needs, you can also have a more stable income and share the cost of using a car.

Disadvantages: Apart from savings, Mr. X’s family is currently unable to make ends meet. If it is purely for family transportation and Mr. X has no other income, it is not recommended to buy a car.

After all, there are fixed costs for using a car. Annual insurance of at least 3,000, basic maintenance fee of about 5,000 (not counting major repairs), as well as gasoline, parking fees, tolls, etc.

Entrepreneurship suggestions:

1. Do you already have a good project goal?

2. What is the revenue plan?

3. Is it a familiar field?

4. Full-time entrepreneurship or just investment?

5. Do I already have a fixed job or good skills?

If none of the above is true, don’t start a business blindly.

If it were me, I think I would be more inclined to buy a car. After 2018, the international and domestic environment is getting worse and worse, which is especially unsuitable for investment or starting a business. Starting a business is a matter of near death and failure. The probability is very high, especially during the epidemic period, which brought more uncertainties and increased the risks of starting a business. Don’t think that you are smarter than others. If you have more connections than others, you will definitely succeed in starting a business. When you really start, You will find that these are not the same. There is a saying that is very good. 2018 was the worst year in the past ten years. 2018 may be the best year in the next ten years. Pay attention to cash flow and do nothing in 2020. , working with peace of mind may be the best investment. Or buy a car. Life is still for enjoyment. Oil prices will be low now and for a long time in the future. The car market has been depressed for several years. It is also a good time to buy a car. Buying a car can improve the happiness of yourself and your family. index!