As a middle-aged man, with a debt of more than 2 million yuan, and now working as a coolie on a construction site, is there any hope in life?

First of all, you need to understand what your liabilities are.

If it is a vicious debt, then it is a pity that for a long time in the future, you should not think about starting a business, investing, etc., because it has nothing to do with you.

If it is a benign debt, such as a loan to buy a house or a loan to buy a high-quality shop, then there is actually no big problem.

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

Malignant debt often refers to overdrafting future financial resources and buying depreciated assets, such as loans to buy cars, loans to buy luxury goods, and even liabilities caused by gambling and starting a business.

These are vicious debts that will put you under great pressure over time and make it difficult for you to turn around.

But good debts, such as loans to buy a house or loans to buy high-quality shops, will increase your market value and income over time. Moreover, when you need money, you can sell it for cash, or even mortgage it to get funds, so there is no need to be afraid of this kind of debt.

I also have a debt of more than 2 million yuan, which is the debt of two sets of shops. Currently, the monthly rent can be used as a rental loan, so it seems to be a debt of more than 2 million yuan, but it is stressful. Not big.

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

If it is a vicious debt, then the best strategy is to pay it off as soon as possible, do not continue to let the interest roll on, and do not think about starting a business or investing to pay off the debt. Because most people who are burdened with debt are mentally unbalanced and emotionally out of control, it is difficult for them to be rational and patiently obtain returns through investment and entrepreneurship.

During the day you work as a coolie on the construction site, and at night you can do side jobs such as Ele.me, Meituan, and Price, and try to pay off your debts in about 5 years. Reduce your consumption desires and reduce your useless social interactions.

At this time, no one can or will help you, you can only rely on yourself! come on!

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As a middle-aged man, with a debt of more than 2 million yuan, and now working as a coolie on a construction site, is there any hope in life?

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

I declared bankruptcy three years ago, failed to start a business, and was heavily in debt. At that time, I was under great pressure, was forced to pay debts, was "imprisoned", and was executed by the court. I thought about committing suicide and it was over. However, I still have family, children, and parents. As a man, I have not completed these worldly tasks and I can't let go of my responsibilities. Alas! Still gritted his teeth and persevered. For a middle-aged man, with so much debt and so much pressure, is there still 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 guarantee that hope is always there and it is never too late. However, specific plans and concrete implementation are needed.

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 do not have delusions or blind obedience, they only do.

If you are not afraid of death, why should you be afraid of difficulties? Life experience is our precious resource. It is our nature to endure hardship and stand hard work, and it is our nature to do things down-to-earth. Although life is very stressful, with old age at the top, young age at the bottom, and debt, as long as you work hard day after day, you can always get results.

Second, take action.

No matter what career you choose, as long as you persist, you will achieve results. Of course, for a middle-aged man, it is difficult to have ambitions but not ambitions.

If you choose to be a coolie, I personally think that this is the beginning of your journey. You must first solve the problem of survival 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 thoughts and know what he does every day, what he wants, and what he prepares for.

Once the time is right, go with the flow,

Fourth, learn.

Of course, as a middle-aged man, what he lacks is not training, experience, management, and projects, but a perseverance in learning and keeping pace with the times. Only by learning can he succeed in the market. Only by learning can we seize opportunities and solve problems.

In short, only by studying can you obtain all resources.

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

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

People are most afraid of failure when they reach middle age, they are most afraid of losing loved ones in middle age, and they are most afraid of losing power in middle age. The most fearful thing is that when people reach middle age, they suddenly fall from a superior environment into a silent and unknown reality. From being noticed to being ignored, this person is like being cooked in a frying pan. So in real life, I have seen those people who are down and out, I have seen those people who are financially bankrupt. They used to be jewels, glory and wealth, but when their business failed, they plummeted. The huge contrast often made them mentally exhausted. When I collapse, I often feel that I am a useless person and often dare not show my face in public. There is always a kind of condemnation and burden deep in my heart.

You are like this person who lost 2 million in business. At least you know how to do hard work, and 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 acknowledges the debt he owes and pays it off even if he kneels down. This is a good and ambitious man. In fact, it is like this. When you are a person and do things, you should dare to face failure. Sometimes I am no longer on this stage with flashing lights, but in the future there will eventually be a spotlight that will shine on me, because I have a direction to work hard, because I I have the will to fight tenaciously, so I say that as a man, don’t be afraid of losing business, don’t be afraid of losing your capital. As long as you dare to work hard and bravely, your future will not necessarily be a mess.

As a man, I sometimes deeply reflect on myself. I used to have a smooth career, but due to some chance, I was transferred to another place and I have never recovered since then. A former friend has become a stranger, and a former relative has become a person who laughs at you. The huge contrast is a reality that no one can accept. At that time, it was really difficult for me to accept this phenomenon and face these changes in the world. But then I still worked hard to be myself, and in the end I still achieved a little bit of success in my work, so I said it was lucky that I didn't remember it, and it was lucky that I didn't give up easily, so I said I lost 2 million. It’s not a big deal, as long as you have a direction, a hard work, and a right dedication, I think you will thrive in the future.

Having lost 2 million and still doing hard labor proves that you are a person who is not afraid of difficulties and a person who is willing to fight for his ideals, so I say that you will eventually overcome these pains and failures. You You will be a successful person, and you will definitely come out of Tycho.

Your attitude towards enduring hardship is right, and it will also help you think about your future life. But two million is not a small amount. It is difficult to stand up as a coolie. It would be better to change the strategy!

In middle age, a person has a debt of 2 million and works as a coolie on the construction site. If there is no chance to be a foreman, then there is no hope in life.

This involves a question of development and survival.

Because people are middle-aged and working hard on construction sites can only solve the temporary survival problem. If it is to pay off debts, then you have to find another way to develop. If you do not have the ability to receive projects and do not want to gain anything in engineering, then working on the construction site is just to survive, not to pay off debts. Develop and survive.

For example, if I have a debt of 3 million and you ask me to work on a construction site, I have no choice. Firstly, it is not my own, and secondly, my body will not allow it. Now I can only survive by setting up street stalls, and then find business opportunities through setting up street stalls to develop in other ways.

Many times, we should not ignore development in order to solve the problem of survival. Working as a coolie on the construction site is only a temporary expedient. If you encounter a greater opportunity, you should leave without hesitation.

It can be done in two steps. The first is to protect yourself and the family’s basic life through work. Second, you can use working on the construction site to accumulate some cash and prepare it as the capital to start a new business.

Although this kind of part-time job is a temporary solution, it also proves that we can calm down at this stage, slowly look for opportunities, reflect on our work, find out our shortcomings, and then correct them. shortcoming.

If you have a little more time, make better connections. Because only by getting to know better and more connections can you discover more business opportunities and have more opportunities. If you work on a construction site all the time, that's definitely not possible.

Time is always our biggest enemy on the road to repaying debt, and new and useful contacts are our biggest helper on the road to starting a new business.

I am Lao Yuan of the Middle-aged Entrepreneurship Alliance. I hope my answer can help you. Please pay attention to private messages and communicate more.

I was once a debtor, and I also went through a short adjustment period at the construction site.

Working on the construction site is not the purpose. I am slowly looking for some opportunities or projects suitable for me to start a business by working on the construction site. I cleaned up construction waste from the finely decorated houses of the fine decoration company on the construction site, and later engaged in the land reclamation and cleaning business of new houses. I also found the direction of starting a business through the construction site. Later, I slowly accumulated funds and opened my own cleaning company.

I feel that working at a construction site is just a transitional period. First of all, many construction sites have wage arrears. When you are at a construction site, you can only rely on your monthly living expenses to maintain your basic survival problems, and you cannot fundamentally solve the problem. Solve your debt problem! During the transition period at the construction site, you can choose a suitable entrepreneurial project around the construction site. For example, if you have skills, you can set up a mobile food truck to sell fast food near the construction site. You can also try to do garbage removal work, look for sources of goods, and sell some at the entrance of the construction site. Cheap work clothes etc.

In short, give priority to small investment entrepreneurial projects that are suitable for construction sites. Don’t be afraid of being small, develop little by little, and expand the scale step by step after you have the original entrepreneurial capital, and keep in communication with your creditors at all times. Briefly introducing your development plan can also give creditors confidence and relax your repayment period so that you can have a certain repayment period for starting a business. Don't think about using all the money for repayment immediately after making a little money. Such repayment This will result in you not being able to accumulate entrepreneurial capital at all!

Some suggestions:

No matter what you have been through? Let go of your mental baggage, stabilize your mentality, and don't bring a decadent mentality into your daily life and work.

Strive for a healthy and reasonable diet every day to ensure a healthy body. The entrepreneurship you will face in the future requires you to have good physical support. Don’t use your health to pay for your future entrepreneurship.

I wish you success in starting a business, and come on board as soon as possible. Come on!

When people reach middle age, as long as they buy a house, they will basically be burdened with a huge debt. So you don’t have to be disappointed in life if you owe yourself 2 million.

I believe that as long as people are alive, there will be hope. So back to the topic, what can you do to pay off debt quickly? When working as a coolie on a construction site, as long as you pay a little attention, you will find that there is an inconspicuous job where you can easily make a fortune, that is, being a foreman. So you can work hard as a contractor, and your wealth accumulation will be rapid in the future. So let me share two examples around me to explain why contractors are not conspicuous but can easily make a fortune.

Many people come from rural areas to big cities. Although their educational level is not high, they are willing to endure hardship and have certain business acumen. After coming out, I start looking for people to work on the construction site. I usually go back to my village and bring a few strong men over to work together. Although these foreman industries are not very eye-catching, there is a lot of money in their industry. It is enough to do a few big projects a year. Let’s talk about the process of making a fortune as a contractor with whom I am familiar.

My uncle is a typical construction contractor

My uncle came to Dongguan when he was about 20 years old. In the early years, he mainly worked in factories. Later, he found that there was no freedom in the factory, so he Come out and work on your own construction site. Gradually, after accumulating a certain network of contacts, he began to do his own work. He mainly built frames for others, so his cost was to buy frames and then build them for construction sites or to decorate the exterior walls of private houses. In this way, he makes a lot of money every year. He mainly relies on familiar people in the village to help him. This kind of work seems very ordinary, but it is possible to make millions a year.

My college classmate worked as a construction contractor after graduation

I have a college classmate who went to Shanghai to work as a construction contractor with his father after graduation. He mainly bought shelves like my uncle. , and then ask someone to help build it at the construction site or privately. I only worked for a year, and then I bought a house in Shanghai. In fact, his college education was a bit wasted. If he had not gone to college for four years and started working with his father earlier, he might have made a fortune earlier. However, it is also good to read more books. When you go out to negotiate business with others, you will be better than a contractor.

So I think being a construction contractor on a construction site is an inconspicuous but easy-to-make-money industry, and you can work hard to develop in this direction.

Under the current economic background, we can only recognize the situation clearly, figure it out, make less fuss, be less impulsive, cooperate less, stop thinking too much, watch more and act less, otherwise you will be like the above sufferers. , lose all your money, never recover, you must cherish your existing wealth, do your best to protect it, preserve it, keep it well, don't let it be lost, don't squander it extravagantly, don't be gullible, don't lend money to others easily, don't be soft-hearted , kindness, sympathy, loyalty, make a wish after drinking, don’t wish for anything while changing cups. The only safe way out for funds now is not the stock market, not futures, not blind investment, taking it for granted to start a business, because the environment has deteriorated, upstream and downstream The cost is infinitely magnified. The cost of factory labor, logistics and other aspects has greatly exceeded your imagination. Your existing funds are just a drop in the ocean. There is no return. It’s not that you are not conscientious and hardworking. Without IQ, but following the general trend, knowing that you cannot do something but doing it, you will only be in trouble, lose all your money, or even be in debt, like a dog that has lost its home, wandering around all day long, why bother? Why bother? Exhausting all useless efforts, spending all the family wealth, forgetting to sleep and eat, working day and night, in the end, the efforts are thankless, spending money to travel around, eating meat bags to beat dogs, wasting lives and money, losing wives and losing soldiers, how can you be complacent? If you don't do it, you will not die.

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

The most important thing is what is your net worth?

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

But if your net worth is still positive, it means you still have a great chance of turning around.

Analyze clearly the source of debt

First of all, you have to analyze clearly the source of these more than 2 million liabilities. If you bought a house with a loan, then such debt can be said to be a benign debt. 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 and you lose all the money you borrowed, if you are such a vicious debtor, you may have to reflect on how to repay your debt better.

Your current hard work is also a way to pay off your debts. If you have other skills, you may be able to earn more money to pay off your debts.

Therefore, after you have clearly analyzed the source of your debt, you must put down the burden and actively pay off the debt.

Put down the burden and actively repay the debt

Being in debt is not terrible. The key is that you have to put down the burden and actively find ways to make money to repay the debt. If your debt is benign, such as if you took out a loan to buy a house or a shop, then these are considered your assets. You are working hard just to pay off the debt as soon as possible. This kind of debt repayment may be relatively easy. Yes.

If you have a net debt of 2 million, the pressure is indeed a bit high. If you are currently working as a coolie, you can also consider whether you have other specialties and whether you can make money faster through doing business. In this way, you can make more money and then pay off your debts faster. Cleared.

Being in debt is indeed very stressful, but you must also face the debt actively. As long as you can think openly and proactively work hard to make money, then you will probably be able to find a way to get rid of it as soon as possible. The debt of 2 million was paid off.

Reflect carefully and never go into debt again

Being in debt of 2 million is indeed very stressful. But if you think of a way, you can pay off your 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 debt again in the future. After all, being in debt can be really stressful.

In life, you must plan your consumption and be as frugal as possible, so that you can live your life well and never owe such a high debt again.

Therefore, after paying off the debt, you must also reflect carefully and never owe debt in the future.

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

Thanks for reading!

When you are poor in the busy city and no one cares about you, when you are rich in the mountains you have distant relatives. When you are down and out, when you are poor, let alone your relatives and friends, even ghosts are afraid of you. I am also in debt of millions, and now I can’t even I can't borrow a hundred yuan, and I can't do anything I want to do. As long as I live, I'm fine. The poorest person is begging. If you don't die, you will always come forward. Stick to the end, and the salted fish will one day turn around. Recently, he has been living on the streets again, many times. I almost can't eat. I have killed myself. I have to take responsibility for it. If you don't seek death, you won't die. Many times you seek death by yourself. You can't blame others. When you are rich, you have a lot of relatives and friends. When you are poor, you have a lot of relatives and friends. Only then can you truly understand and see clearly the friends and friends around you