"Three business" education. Financial quotient, IQ and EQ are included in the "three quotients" education of teenagers by educators. IQ reflects people's actions and the viability of general creatures; Emotional intelligence reflects human behavior and the viability of social creatures; Financial quotient is the survival ability of man as an economic man in the economic society. It is a person's sensitivity to money judgment and his understanding of how wealth is formed. More and more people think that this is the key to a successful life. Let's talk about Jewish financial education first. Generally speaking, the country we think of is Israel. In fact, Jews have very strong infiltration and viability. At present, many elites in the global economic circle are Jews. For example, alan greenspan, the current chairman of the Federal Reserve, Soros, a global investor in foreign exchange, commodities and stocks, and Bloomberg, the mayor of new york and founder of Bloomberg News Agency ... The most important point of Jewish financial education is to cultivate children's concept of delaying enjoyment. The so-called delayed enjoyment refers to delaying the satisfaction of one's desires in pursuit of greater returns in the future, which is almost the core of Jewish education and the greatest secret of Jewish success. How do Jews educate their children? "If you like to play, you need to earn your free time, which requires good education and academic performance. Then you can find a good job and earn a lot of money. After earning money, you can play longer and play more expensive toys. If you make a mistake, the whole system will not work normally, and you can only play for a short time. The end result is that you have some cheap toys that will eventually break down, and then you have to work hard all your life, no toys, no happiness. " This is the most basic example of delayed enjoyment. The values of modern society have been integrated into the Jewish financial and business education thought. Personal life is the scope of his planning, personal pursuit and personal resources are all rationally planned. His highest goal is a happy life, and financial quotient is the overall theory of his planning. Taking the essence of Jewish financial and business education as the core, we summarized three aspects of middle-class financial and business education: the ability to hold money, the ability to make money and wealth knowledge.
Wealth is infinite. In the process of growing up, the expenses are getting bigger and bigger. Instead of just working hard and saving money, it is better to cultivate financial management ability from an early age, because many ideas and behaviors often have roots from an early age. Financial management must start from daily life. Daily training is not only simple savings, but also a systematic understanding of wealth, simple funds, bonds, balance sheets and so on. Having wealth now does not mean that you will be rich in the future. Money is accumulated now, but if it is not managed well, it will become poor one day. 95% of the problems in life are related to money. Remember one sentence: wealth is endless, it is just waiting for people of insight to discover and explore. It all depends on your financial quotient. Improving your financial quotient lies in: knowing and doing in one. Get the right knowledge, apply it to practice, sum up experience, digest and understand it as your own, and then study and practice until it becomes a part of you. Financial quotient education is the key to exercise your financial quotient, improve your financial quotient, understand the new law of money, discover the secret of money and open the door to wealth through knowing and doing.
Borrow if you have no money, and pay back if you have money. If you dare not borrow money, you will never be rich. If you can't borrow money, you will never become a rich man. What you are talking about is making money through "Qian Shengqian" and "leverage". From the essence of wealth, the business of "money" is the most profitable business. Why do most people not "borrow" to get rich? Because first, there is no condition, the bank will not lend it to you, because your credit is low, because you have no running water to support the bank loan to you, because you have no mortgaged assets. From these main aspects, we don't have the conditions and ability to borrow money from banks. From the perspective of people who have these abilities but dare not lend, they only see risks and don't see opportunities. This is because everyone's pattern and level are different, and the information they contact is different. For example, buying a house, most people see the same "house price is too expensive". From the perspective of "house price is too expensive", this problem will always exist. The only difference lies in the essential reason of "too expensive". Will it be more expensive in the future? People who see the latter, as long as they have the conditions, will borrow money to buy a house or even more suites. People who see the former may not even buy their own house or can't afford it. From the businessman's point of view, "money" can't stay in the account, but should "make money", that is, "money should produce money" Even if you don't have enough money, you should borrow money to make money. From the perspective of ordinary people, "money" is "hard-earned money" and cannot be squandered. To "save". As a result, the money of "businessmen" is accelerating the turnover, while the money of the people is lying in the bank and depreciating while "eating interest". Judging from the purchasing power of money, money is always depreciating. According to the value of 654.38+00,000 ten years ago, it will only be 460,000 ten years later. Only by "borrowing money" and speeding up the turnover can we overcome depreciation and inflation. Compared with "borrower", it not only avoids "devaluation", but also "borrows money" to earn devalued money from devaluation. Therefore, people who cannot "borrow money" will never become rich. From the above point of view, it is absolutely correct. Especially under the long-term real "negative interest rate" caused by "inflation" and "depreciation" (relative to the nominal interest rate), the deposits of "poor people" borrow money to make money for the rich. In the long run, how can the gap between the rich and the poor not continue to widen?