What's your relationship with money?
We often have to deal with many relationships. Common ones are: your relationship with yourself, your relationship with others. In addition to these two kinds, there is a very important relationship, that is, what is your relationship with money. This relationship is very important, but it is ignored by us.
What do you think of your relationship with money?
A. our family doesn't talk about money;
B. Our family has no money;
C. our family is not short of money;
D. Money is a kind of power and wealth is a kind of power.
Looking at the relationship between you and money with A shows that the education you received since childhood is one kind: money is vulgar. If you want something better, you will choose to escape.
For example, if you see a classmate eating an advanced package and living in an advanced school district, you will envy each other and you want it, but you will choose to escape.
Look at the money relationship between you and B. If you often listen to your parents when you were a child, you will form a kind of value: the only purpose of going to school is to make money. Are these values necessarily correct? Not necessarily.
Taking making money as your life goal in the early days will become your motivation for work and study, but when you earn a certain amount of money, he will fall into a state of confusion. After you earn a lot of money, you will have questions: Why should I make money? It is also possible to do unprincipled things while making money.
Look at the relationship between yourself and money with C. Parents are kind enough to let you give full play to your strengths. In this way, you will lose the motivation to study and struggle. Because, you will be confused: why should I study when there is no shortage of money at home? Go home and sleep.
Looking at the relationship between yourself and money with D, you will think that money is a kind of power, which can not only change your own destiny, but also change the destiny of others.
D is the correct financial quotient cognition, and A, B and C are all common false financial quotient cognition. Due to the lack of financial and business education in family and school education, most of us have a wrong understanding of money.
You may ask: can correct financial and business cognition be obtained through practice?
Of course.
1. High financial quotient can be improved through practice the day after tomorrow.
The best stage of financial and business education is in childhood. The first teacher is a parent, not a school teacher. If schools don't offer financial and business education courses, then parents are their best financial and business enlightenment teachers.
But the problem is that many parents are wrong about financial quotient.
So what should we do at this time?
Besides parents, find a financial advisor. This financial adviser may not work in the school, but you may find it outside the school. Now, with the popularity of the Internet, no matter what age you are, you can basically find what you want to learn online.
Looking for a financial adviser mainly depends on the other party's success stories. Successful cases need not only quantity, but also certain quality. In addition to looking at successful cases, the other person's character also needs to be considered. If you can meet the kind of tutor who is good at all aspects of your work and life besides educating yourself about financial business, you are really lucky.
2. The cultivation of financial quotient needs patience.
Except the cultivation of financial quotient requires patience, all the important skills related to wealth seem ethereal or even nothingness. ........
Impatient people can't do anything, and people who are afraid of trouble will have trouble all their lives. Some people are not afraid of trouble and have patience because they live in the future. How patient a person is depends on how long he can live in the future.
Only those who live in the future have real patience. Psychologists advise parents to teach their children to raise plants, because raising plants requires more patience.
1. minimalism
Speaking of minimalism, what's your first reaction? Nothing? Of course not. For minimalists, they believe in the principle that quality is more important than quantity to keep a simple life.
They think that less is more. Common things are: worry less about what to wear, what to buy, where to go or what to eat. The less material there is, the less decisions need to be made.
Reducing the number of decisions that need to be made doesn't mean that they don't have to make decisions at all, but that they are more focused on what they think is important. Such as: financial freedom, good interpersonal relationship, time to spend with family or friends, and your favorite occupation.
Is it worthwhile to be a minimalist?
Definitely worth it. It can make your life easier.
A. you will feel more organized, and less things will make you more organized.
B.you can think more clearly. The less things, the less easily distracted.
C. You will save more time and find what you need faster.
D. Because it is cleaner, you will feel more spacious around.
E. you will be richer in trading, get rid of unnecessary things, and let you focus on decisions that can change your own or others' lives.
Plan ahead
Before, I shared many tools in an article. The use of tools mainly depends on whether it solves your problem. For time management tools, I recommend using tick list. As for the specific experience of using the check list, it has been mentioned in the last article, so I won't repeat it here.
Time is fair, we all have it. However, it is the key to make good use of the time every day. Many articles will introduce many time management tools, but time itself does not lie in management, but in whether you can make full use of the present time, let it be used in the right place and give full play to its maximum value. When and what to do. This is another explanation of planning.
3. Save some money for yourself first.
Why do you want to keep a sum of money for yourself? Because, in this era full of many uncertainties, leaving a sum of money for yourself is essentially controlling your own economic destiny.
Economic independence is the wish of many women at present. The economic independence of men is almost the default. Leave some money for yourself, in addition to dealing with many black swan events in an emergency, it can also be used as the initial capital to start another source of income.
4. Make a purchase plan in advance.
This habit can also help you control your own economic destiny. Shopping is a way to relieve stress. The most common thing is that many girls have the habit of buying in buy buy.
Before shopping, after making a purchase plan in advance, you will find that there are many things you don't need Even if you can use it, you may not have the time and energy to use it. It includes both tangible and intangible projects.
If you are a minimalist, you will continue to make purchase plans in advance. Because, whether you are a minimalist or an early buyer, they can help you to spend rationally and reduce unnecessary purchases, thus saving the corresponding funds and letting them be used elsewhere.
1. Realize financial freedom as soon as possible.
Realizing financial freedom is the dream of many people. However, when it is realized, this will vary from person to person.
Japanese best-selling author Honda Jian puts forward three reasons why the moonlight clan can't get rich:
First, I don't pay attention to money and don't think about it.
Second, although I know I want to save money for financial management, I just don't have the motivation to do it.
Third, there is no knowledge and habit of learning how to use money correctly.
Is the word moonlight clan familiar? If you are lucky enough to be exposed to the study of financial business, you may become a moonlight clan in a shorter time, from moonlight clan to slowly accumulating your own funds to prepare for financial freedom.
Financial freedom funds need to be accumulated and need to be accumulated for a period of time. A person with high financial quotient is bound to make plans in advance. Because, he knows: the accumulation of wealth takes some time.
Realizing financial freedom is not only related to time and principal, but also related to your financial cognition and investment ability. I have a lot of money in my hand, but it is a waste of my money resources to use only one deposit method.
2. Find a career you love.
Excuse me, will the job you are doing have a chance to become a career you love? Or, have you found a career you love?
There is no standard answer to this question. The only certainty is that you have spent time and energy looking for a career you love. But the problem is that any attempt you make includes not only the time cost, but also the money cost.
Because you are trying to find your own career, it will take some time. The cost of money at this stage is not only used for daily needs, but also for usual growth funds. Do you think it is possible to remove the growth fund? I can't. The growth cost itself is a kind of payment, and it is possible to spend money to buy someone else's 20 years of experience in a certain field.
3. Be more prepared in the face of uncertainty.
To prepare for uncertainty, Huawei's appointment is a typical representative. Within the company, he formed two armies, a Red Army and a Blue Army. The main task of the blue army is to attack the red army, so that the red army has the opportunity to iterate.
Why did Ren do this?
Because, he hopes that Huawei's technology can continue to iterate, thus gaining technical advantages. At the same time, Huawei, which he founded, has mostly grown up in adversity since its establishment. With enough adversity and uncertainty, he will naturally have a strong sense of crisis. After a high sense of crisis, he will be more prepared for a rainy day.
Upgrade from one-dimensional financial quotient to three-dimensional financial quotient.
What is one-dimensional financial quotient?
Do you work for money? Or is money useful to you? Simply put, it is the habit of lifelong learning = money works for you. After graduating from college, stop studying = you work for money.
What is working for money?
I stopped studying after I graduated from college. Some people become schoolmasters because of their parents' coercion. This is why Xueba is excellent at school, but it is not necessarily the case after he comes out.
The common situation is that I have finished what I learned in school and entered the society as long as I make good money. I study too hard, and I don't want to suffer.
What does money do to you?
Is to form the habit of lifelong learning. Even though I have been studying in school for many years, I still have to continue to go to school to get a better future.
Which is more difficult, making money work for you or you working for money?
Is to make money work for you. Because forming the habit of lifelong learning requires self-discipline, desire and time accumulation.
Is there a two-dimensional financial quotient?
Yes Two-dimensional financial quotient means that you can overcome the emotional distress of fear and desire and learn to think independently. Simply put, you need to improve your self-discipline and don't let your emotions affect your decision.
Everyone has fears and desires, and they are constant. It's hard to overcome them. Overcoming them will bring self-discipline and a high sense of accomplishment.
So what is a three-dimensional financial quotient?
That is, you can have the opportunity to exchange resources and products to get everything you want. The key to the exchange of resources and products is your accumulation in a certain industry.
Of course, to see the opportunity of docking demand and resources, we need a certain pattern.
In society, most people exchange time and technology for money. Parents and teachers have taught us this since childhood. But in addition to the above two ways of communication, there is also a high-level communication. Is to exchange demand for resources.
Trading time for money, although it is hard every day, you don't have to use your head; Change technology, not only with your hands, but also with your brain. In order to earn more, it is worth it.
In exchange for resources and needs, you don't have to do it, but you need brains. Your brain consumes far more energy than your hands. Only a few people can reach this level. If you have upgraded to this level, congratulations, you are excellent.
In fact, the initial starting point of each of us is one-dimensional financial quotient. Even if you have the opportunity to study financial quotient education as a child, you have to go through the promotion process from one-dimensional financial quotient to two-dimensional financial quotient, and then from two-dimensional financial quotient to three-dimensional financial quotient.
Teacher Aruna's financial philosophy is that understanding is greater than combing and management. The top thinking of wealth = quotient+IQ+financial quotient+emotional quotient.
What's on the grid? It is the pattern, looking down at the world from top to bottom and looking down at yourself.
The reason why the rich become rich is because he has been buying assets all his life, which belongs to the financial and business thinking of the third dimension. The poor are poor because they have been buying debts all their lives.
In addition to upgrading from one-dimensional financial quotient to three-dimensional financial quotient, you can also improve your financial quotient ability by reading classic business cases. For example: Shi Yuzhu's comeback, Gome's 8.8 billion backdoor listing, you can read magazine business and 265438+20th century business report.
Look at the development cases of large enterprises and small enterprises, corporate culture, strategy, tactics, marketing methods, founder's personality, years of performance, financial situation and so on. , and gradually cultivate financial and business cognitive ability.
There is also a platform for learning financial and business knowledge. It's a snowball. On the snowball platform, we mainly look at today's topic of snowball's investor education and essence column. Look at today's topic to cultivate your logical analysis ability, which may not be completely correct or not.
EQ and IQ are concerned by many people, but it seems that only a few people will pay attention to financial quotient. In my impression, there is a woman with high IQ, high EQ and high financial quotient. She is the original wife of Yu Fengzhi and Zhang Xueliang.
1936 accompanied Zhang Xueliang after the "Xi incident", during which the breast ulcer became more and more serious. 1940 was diagnosed with breast cancer and went to the United States for medical treatment in the same year. After his illness, he struggled in the Wall Street stock market and made a lot of money. 1March 990 17 midnight 12: 30, in an elegant mansion on the top of Hollywood hill in Los Angeles, USA, Zhang Xueliang's original wife Yu Fengzhi died of a heart attack at the age of 93.
From 65438 to 0940, she went to the United States for medical treatment and spent 50 years in the United States. In these 50 years, she not only took care of three children alone, but also fought against illness and invested in real estate and stock market with strong will. She changed from the first lady in the Northeast of the Republic of China under the aura of her husband to an outstanding entrepreneur, and accumulated incredible possessions for her children and Zhang Xueliang.
I believe many people have read this basic introduction. She can have these experiences because Feng Zhi has high IQ, high EQ and high financial quotient at the same time, which gives her a chance to succeed in her career.
It is extremely scarce to say that a woman has high IQ, high EQ and excellent, if she has high IQ, high EQ and high financial quotient at the same time. If you are lucky enough to meet a woman with high IQ, high EQ and high financial quotient, try to find opportunities to become friends or mentors with each other.