Why are there so many rich people, but I am always poor?

12 criteria for determining whether you are rich or poor.

1, self-awareness

Poor people: I seldom think about how to make money and how to make money. I think I should be like this all my life, and I don't believe anything will change.

Rich man: I firmly believe in my bones that I was born not to be poor, but to be rich. He has a strong sense of making money, which is also his nature. He will try his best to make himself rich.

Step 2: Leisure

Poor people: watching TV at home, moved to tears by the plot of soap operas, imitating the fashion on TV to arm themselves.

Rich people: running outside the market, even playing golf without forgetting the engineering contract.

3. Social circle

Poor people: I like to go to poor relatives' houses. The circle of the poor is mostly poor and refuses to associate with the rich. Over time, the mentality has become the mentality of the poor, and thinking has become the thinking of the poor. This is the model of the poor. Everyone talks about discounted goods every day and exchanges saving skills. Although it is conducive to training for survival and profit, your vision will gradually be limited to such trivial matters, and your ambition will be worn away.

Step 4 study

Poor people: learn skills.

The rich: learning management

5. Time

Poor people: A person who enjoys plenty of time can't make a lot of money. If he wants to relax, he will lose more opportunities to make money. Poor people's time is worthless and sometimes even redundant. They don't know how to spend it, and they won't get bored. If you can be angry because you spent a penny more on a catty of cabbage, but you won't feel sad because you wasted a day, this is a typical poor thinking.

Rich man: No matter how much money a person makes, no matter how much money he earns, he will accumulate over time. Playing with wealth is also a way of working and has a purpose. The rich are idle, cultivate one's morality and cultivate one's nature to benefit the war, and they are not idle for the first moment; The leisure of a poor man lies in his thoughts. He is busy with his hands and feet and touching more mahjong tables.

6. Sense of belonging

Poor man: It's a screw. The poor think that they are from humble origins, but they feel less secure, so they urgently want to be subordinate to and dependent on a group, so they regard the standards of this group as their own standards, make everything conform to the norms, and rush about and even migrate for the benefit of the group. For the poor, working in a famous enterprise for decades, interns have been working as executives, which is simply a wonderful ideal.

Rich people: The leaders of those groups are usually rich people. They always instill in the poor that unity is strength. If you don't belong to your own group, you are nothing and illiterate. On the other hand, they never stop recruiting and training new people to replace you at any time.

7. Investment and financial management

Poor people: The viewpoint of economics is that using less equals earning more, such as opening noodle shops. The yield is 100%. Investing 20 thousand yuan and making a net profit of 20 thousand yuan a year is very good for the poor. Even if the poor have money, they are unwilling to give it out. Even if you finally make up your mind to invest, you are not willing to take risks. In the end, they will not be able to take this step. What the poor say most is that chickens lay eggs and eggs lay chickens, which is profitable ... but the hope built on a hen is so fragile after all.

Rich people: The starting point of rich people is 10,000 yuan and 10,000 profits. Similarly, rich people will think that a noodle restaurant only carries 20,000 capital. If there is 100 million capital, wouldn't it be necessary to open 5,000 noodle restaurants? To manage one by one, how much thought does the big boss have to spend and how many hairs are tired? It is better to invest in hotels. A hotel is enough to digest all the capital. Even if the rate of return is only 20%, there will be a profit of 20 million a year.

8. Passion: Whether you can achieve something depends first on whether you have passion.

Poor people: no passion. He is always step by step, it is difficult to make big mistakes and he will never do his best. Without passion, you can't get excited or devote yourself to your work. Most poor people can't say that they have no passion. Seeing that his passion is always consumed in too specific things: when the boss praises him, he is excited; He will be excited when the store has a discount; The second time he died on TV, his tears flowed down. The poor have only one emotion.

Rich man: "Do swallows know the ambition of swans?" "Princes and princes will meet, which one would you rather have?" With such passion, the poor will not be poor! Passion is a kind of nature and a symbol of vitality. With passion, there is a spark of inspiration, a distinctive personality, a strong appeal in interpersonal relationships, and the courage and methods to solve problems.

9. Confidence

Poor people: the self-confidence of the poor needs to be armed to the teeth. Only by wearing high-end brand names and luxurious configurations can they be given more self-confidence. The self-confidence of the poor is often not heartfelt and natural.

Rich man: When talking about his business secrets, Li Ka-shing said: Actually, it's nothing special. When times are good, you should never be too optimistic. When times are bad, we shouldn't be too pessimistic. In fact, it is a kind of self-confidence unique to the rich. Self-confidence is not affected by external forces, and self-confidence can make the right decision.

10, habit

Poor man: There is a story that a rich man gave the poor man a cow. The poor began to struggle in hope. But cows have to eat grass and people have to eat. Life is sad. So the poor sold the cows, bought some sheep, ate one, and used the rest to give birth to lambs. But the lamb hasn't been born yet, so it's hard. The poor sold the sheep and bought them into chickens, hoping that the chickens would lay eggs to make a living, but the days have not changed. Finally, the poor killed the chicken, and the ideal completely collapsed. This is the habit of the poor.

Rich man: According to an investment expert, the secret of the rich man's success is: when you have no money, no matter how difficult it is, don't invest and save. Stress will help you find new ways to make money and pay bills. This is a good habit. Character determines habit, and habit determines success.

1 1, surfing the internet

Poor people: chatting online. The poor chat, one is that the poor have more time, and the other is that the poor's mouth can't be idle. The rich pay attention to honor and disgrace, and are gentle and honest. It's called self-cultivation. Cultivation is the root. Poor people don't care so much, they are always looked down upon by others and are entangled in trivial matters. Even if you say it, how many cowards are there? Chatting makes sense!

Rich people: look for investment opportunities online. When the rich surf the Internet, they mostly use the low cost and high efficiency of the Internet to find more investment opportunities and projects and apply convenience to their own businesses.

12, spend money on consumption

Poor people: I buy famous brands to experience satisfaction, and I like to try new fashionable products. I believe that expensive products must be good.

Rich people: They buy famous brands to save time in choosing details. They care more about the quality of products than the price of consumer goods. For example, they will buy 15 yuan pure cotton T-shirts, not expensive Lycra products.

Seven major differences between the rich and the poor

Of course, aren't all the rich people we know like Bill? If Gates, the world's top rich man, can be regarded as a rich man with a family net worth of 1 10,000 dollars according to the United States, it should be a goal that many people can achieve. So, what is the difference between the rich and the poor?

First, the rich believe that they are creating their own lives, while the poor often resign themselves to fate and even complain. The most impressive thing about many successful rich people is that they are creative and don't give in to fate. Whether in the accumulation of wealth or on the journey of life, successful people are often able to control their own destiny. They believe that a better life can only be won by themselves, and the future of life should be in their own hands, not depending on the quality of economy, knowledge or even luck. What about the poor? I often lament my fate, think that I can't get time, and even complain about the bad environment. When their business fails, they will blame the economic downturn, the lack of hard work of employees and the lack of support from their families. They are the last people to find reasons from themselves. If you want to become rich, you must realize in your heart that your destiny can only be changed by yourself, not by others and external factors.

Second, the rich play money games to win, while the poor play money games to lose. This is the biggest difference between the rich and the poor in investment and financial management wisdom. Many Americans invest in stocks. The mentality of most stock investors is never to lose money, and the biggest wish after losing money is to earn back the lost money. This mentality hinders the creativity of investors in the stock market and limits themselves to the circle of not losing money. When investing, the rich consider how to make more money with the least money. They will look at the investment more from the perspective of how to make money, rather than taking not losing money as the first goal.

Third, when encountering difficulties and problems, the rich think of opportunities, while the poor think of obstacles. Whether you make money or make a career in life, you will face problems and challenges. The rich will focus on how to solve the problem and find a turning point in this unfavorable situation. The poor often think that their fate is not good, and that they will be lucky as long as they pass this hurdle. Different mentality will lead to different results. China's famous TV series "Dazhaimen" and "Qiao Family Courtyard" and other stories describing the struggle of wealthy businessmen in China actually tell this truth.

Fourth, the rich have big dreams and the poor have small dreams. Everyone has dreams, but why can some people realize their dreams, while others can only immerse themselves in them? There are no secrets, the key is to see what a person pursues. When a child says that he will earn $654.38+$00,000, some parents think that the child is unrealistic. As long as he finds a job with a good income, life will naturally be quite good. In the eyes of the poor, the rich are greedy because they are never afraid to make more money. But if a person has no desire to make a lot of money at all, his chances of becoming rich will be very low.

Fifth, the rich will promise to realize their dreams within a time limit, while the poor just stay in the dream stage. If a person has a dream of getting rich, but has never accumulated wealth step by step from scratch, it will be difficult for him to get rich all his life. Many poor people also like to drive luxury cars, but their income can't afford such cars. They are more likely to say, I can't afford it, but they seldom try to increase their income. In America, many poor people live on government food stamps. They would rather do this than find a job or work two jobs to increase their income. How many years have passed, they still live a poor life, and the money they earn is still supporting their lives.

Sixth, the rich are good at learning from others, while the poor disdain to learn from others. Many rich people can get inspiration from other people's wealth, but the poor often think that the rich people's wealth-making classics are not applicable to themselves. If a person is not good at learning excellent things, he can hardly succeed.

Seventh, on how to manage money, the rich pay attention to the effectiveness of financial management. The rich have obvious similarities in financial management, that is, consumption cannot exceed income, and the accumulated money is used for investment. If a person can manage his own money effectively, save and invest reasonably and effectively, his wealth will increase bit by bit, and people who are good at managing money will eventually be richer than those who are not good at managing money. Second, the poor make money mainly for consumption, while the rich make money mainly for investment. The rich will invest money as capital in value-added projects, such as real estate, gold or other valuable assets. The poor regard money as a means of consumption, and they often spend money on devalued items, such as cars and televisions.

From the perspective of financial management, whether a person can become a rich man depends not only on how much money he can earn, but on how he views and manages money in his daily life. American financial experts summed up several reasons why ordinary people can't become rich, and also provided us with some lessons.

The poor are tired of working in a certain line.

There used to be a classic debate, which was "love one line and do one line" or "love one line and do one line"? For this, the poor and the rich also have completely different attitudes. The poor said, "Whether it is for or against, it does not exist in the real world. In the real world, there is only "doing one thing and complaining about another". Even if this line is a profession I used to like very much, it will become disgusting because of promotion pressure, personnel relations, economic income and other issues. " The rich man said: "since you have chosen a certain industry or occupation, it is not enough to just love it, but also enjoy it." Only in this way can people's initiative be mobilized spontaneously and success be possible. "

In this way, the final result reflected in wealth is that as soon as the poor enter the working state, they will show fatigue and produce rebellious psychology, thus the promotion is slow or even hopeless, let alone the rapid rise of wealth income. At the same time of stagnant wages, in order to reduce the pressure brought by jobs they don't like, the poor began to spend money to release the pressure. On the first day of pay, I suffered a big defeat first and rewarded myself with such forbearing work; Investing in face-saving projects in the middle of the month to save the "premature aging" brought about by efforts; At the end of the month, in order to make myself motivated to continue working next month, I invited three or five friends to have a big meal to encourage each other. In this way, the stagnant income is constantly reduced, and finally there is not much money left, which can be invested or saved. The rich put the spirit and enthusiasm of others into their work by chatting and playing games on the Internet all night, and then they made rapid progress on the road of wealth accumulation.

In other words, the rich love work, work and be happy; The poor like to rest, work and suffer. To some extent, the diligence of the rich has far surpassed that of the poor, which sounds unexpected, but it seems natural. Some western professors combined the results of several large-scale surveys and found that the working hours of high-income professionals increased compared with the last century, while the total annual working hours of low-skilled and low-income workers were shortened. Also in the research of Nobel Prize-winning psychologist Kahneman, people who earn less than $20,000 a year spend more than 1/3 of their time on passive leisure, such as relaxing and watching TV, while those who earn more than 1/5 spend less time on passive leisure.

The rich are good at investing in themselves.

Louis Ross, Chief Technology Officer of Ford Company, once said: "In your career, knowledge, like milk, has a shelf life. If you can't keep updating your knowledge, your career will decline rapidly. " The rich know this well and keep learning and investing in themselves. They are convinced that constantly enriching their professional abilities and improving their financial management methods are the way to road to riches.

Jimmy has worked in Silicon Valley for more than 30 years, and almost witnessed the whole development of Silicon Valley. There, it is a rapidly developing industry with high risks and returns. He was asked how to succeed there. He said, "In Silicon Valley, there is no way to stay ahead forever. You should keep exploring and learn to add value to yourself, otherwise you will be eliminated. Every successful company in Silicon Valley does not follow anyone's model footprint, but explores its own development. Therefore, if every company or individual wants to survive in Silicon Valley, it must constantly think and innovate, provide valuable services and increase its own value. In this high-risk industry, even Microsoft and IBM dare not slack off, because they know that if they stagnate, they may be eliminated. "

This is the truth of life. The poor always repeat their work day after day in the workplace, and they never have a sense of crisis. The purpose of poor people's study is to earn a job, so they are passive, passive and blind, do not know how to think, follow others' advice, complain that the social environment has caused their poverty, and are content with the status quo without making progress. On the other hand, the rich always feel the potential crisis. They know that if they want to remain successful, they must continue to work hard and make continuous progress. The rich attach importance to "self-appreciation", and the purpose of their study is to get rich. So they are positive, positive and enthusiastic, and are willing to explore the essence of things. They are good at thinking and constantly improve their self-worth, because they know that only by investing in their own abilities can they appreciate infinitely and have no risk.