Why do some people learn a lot of financial management skills, but still feel that they have not managed their money well? According to my years of practical experience in investment and financial management, I have summarized the following seven reasons:
1 just can't move, lack of actual combat.
Learning financial management is not just about learning knowledge. From the word "financial management" alone, we can see that the so-called "reason" means care and management. This is a verb, so financial management pays great attention to practicality. Just like learning to swim, if you just learn all kinds of swimming postures and swimming skills on the shore, you can't swim when you jump into the water.
Learning financial management must be a combination of theory and practice. While learning financial management knowledge, we should also actively apply financial management thinking to real life. For example, bookkeeping is the basic skill of financial management, but how many people insist on bookkeeping? A family without bookkeeping is like a company without financial personnel. It's just a bunch of bad debts taking jujube pills.
I often tell you that I am a practitioner of financial thinking. I insist on bookkeeping, fixed investment, exercise, going to bed early and getting up early, and integrating financial thinking into my life. I am using my actions to influence every member of the financial bus.
2 only learn technology, not pay attention to mental methods.
The so-called skills are all kinds of investment and financial management skills; The so-called mental method is the principle behind financial management. The skills and methods of financial management are equivalent to the moves and internal skills in Kung Fu. If you only practice all kinds of moves and don't practice internal skills, you can only practice gestures and gestures, and you are not a real martial arts expert. In terms of investment and financial management, take the investment master Buffett as an example. Many people want to study his investment methods, but in fact, his best is his mental method. Buffett was thrifty since he was a child, spending every penny he saved on investment. At the same time, his investment strategy is also very stable. He doesn't know technology, so he doesn't touch technology stocks. These are his financial management methods and the real secret to making him a billionaire.
Of course, you can't just know the mind. Knowing may not be able to do it. It needs to be improved every day and constantly remind itself. Therefore, my membership course incorporates many financial management methods. I use various practical cases to remind members and help them cultivate a strong heart.
3 exclusive, do not want to share
It is the habit of many people to keep good things and enjoy them slowly. Someone even told me bluntly that he studied financial management because he wanted to get rich faster than the people around him, so he didn't want to tell the people around him the secret of financial management. But on the contrary, financial knowledge is being shared more and more. Only by sharing can we further consolidate what we have learned and attract more like-minded people to communicate with you and make progress together.
When I first started to learn financial management, I liked to share it with people around me. At the same time, I will find my own shortcomings and continue to study. Later, I even organized my colleagues to go to the company for a financial management class. At that time, I was a financial management lecturer. Although my colleagues welcomed me, I was criticized by the leaders for not doing my job well. Looking back today, it is precisely because I am willing to share that I have the foundation and confidence to do financial education now.
4 self-study, no tutor.
When I first started to learn financial management, I really wanted someone to guide me, so I kept asking those who knew how to invest and manage money. But at that time, most of my teachers were folk stock gods or financial practitioners, and most of them talked about stock investment knowledge. Because I can't find a real financial adviser around me, I can only find it from books. At that time, I eagerly read a lot of books about financial investment. Buffett, Robert Toru Kiyosaki and other investment and financial experts were all my financial advisers.
But then again, self-study requires self-discipline and is easy to take detours. I believe that not everyone has my self-discipline and willpower. In this case, financial consultant is particularly important, which will directly affect your financial learning efficiency. Of course, the role of tutor is not to teach you by hand, but to wake you up when you feel confused.
I began to study and study investment and financial management in 2005, and have more than ten years of practical experience in investment and financial management. At the same time, I successfully achieved financial freedom on 20 15. Although I dare not claim to be an expert in financial management, teaching financial management should be more than enough. Of course, I think my biggest feature should be that I can explain complex financial management concepts and investment skills in easy-to-understand language, which is also conducive to financial management to understand and absorb relevant financial management knowledge faster.
5 No good financial atmosphere
Who would you consult if you want to buy wealth management products? According to the survey, most people will consult their relatives and friends, but in fact, these relatives and friends don't have much experience in investment and financial management, so the result is often that at the end of the bull market, they advise you to enter the stock market; At the end of the bear market, they advised you to cut your meat and leave. As the saying goes, three people make a tiger, and there are more people gossiping around you, which will inevitably affect your investment decision. Therefore, for people who are beginners in financial management and have insufficient determination, they need to have a good atmosphere.
If you can't find this atmosphere around you, we can join the financial community through the internet. This is also the reason why I want to build a financial bus community, so that more like-minded financial enthusiasts can get together, make progress together and run towards financial freedom together.
6 only read free information and don't want to pay.
In the Internet age, free information is everywhere. Today, some people say that they want to invest in index funds, and tomorrow, some people say that index funds are not in line with China's national conditions. Who do you trust? Although free things are easy to get, the content is often too fragmented for you to learn systematically, and you will not cherish what you get for free. People are such strange animals. Ready-made ones will be put aside to watch and learn, and those spent will watch and learn carefully, because if they don't learn, they will be wasted.
In fact, there is no difference between financial management methods and investment strategies. The key depends on how you use them. It's like practicing China's calligraphy. If we practice Liu Ti today, Yan Ti tomorrow and European Ti the day after tomorrow, it will definitely be chaotic in the end. It doesn't really matter which font is better. You only need to practice with reference to a font, master the mystery, and then gradually form your own style. The same is true of learning to manage money. It is best to study systematically according to certain theories and methods, and then sum up your own financial management methods and investment strategies after mastering the essence. This is the best policy.
7 Stay in the comfort zone to avoid difficulties.
There are three psychological areas for people to do things. Only by doing what you can, this is the comfort zone; Doing things that are slightly beyond the scope of ability is the learning area; And what is far beyond your ability is the panic zone. Real learning is not so-called easy and interesting. Be sure to keep yourself as far away from the comfort zone as possible and stay in the study area for a long time. We must find ways to improve the existing learning difficulty and practice deliberately in order to keep growing.
That's why I set up the operating system and curriculum sentiment for the member courses. Homework is actually the consolidation of financial knowledge points, and course perception is the summary after triggering members' thinking and practice. Some members say that I am not good at writing articles. My answer is that only by doing what you are not good at can you learn and grow. In addition, the ability of written expression is one of the necessary abilities in the Internet age. I don't think the article I wrote is very good-looking, but I just wrote my thoughts directly. You know, sincere content will always be liked by readers.
Finally, I want to sum up with the metaphor of losing weight. In fact, everyone who wants to lose weight knows that if you want to lose weight successfully, it is nothing more than one sentence: shut up, spread your legs, or you can say: eat less and exercise more. Although the reason is simple, it is difficult to do, so many people are trying to find a shortcut: what diet pills are the most effective? What kind of exercise can reduce fat the fastest?
What should I do if I am really determined to lose weight? Find a teacher who has lost weight successfully, join a special weight-loss class, lose weight with a group of people who also want to lose weight, support and encourage each other, and then follow the daily diet and exercise plan.
In fact, financial management is also very simple: make more money in your career, spend less money in your life, and then use the saved money for steady investment, that's all. Although the reason is simple, it is difficult to do. Many people start to look for shortcuts: Are there any investment projects with higher returns? Do you have any good investment skills? Any financial planner looking for a shortcut will eventually be cheated or give up halfway.
What should I do to learn how to manage my money? Find a mentor who has achieved financial freedom, join a financial community, encourage each other with a group of financial enthusiasts, and then study and practice according to the course. In terms of investment, you can configure an asset portfolio and then continue to invest. Or, let a professional financial planner help you tailor a financial planning report suitable for your family's financial situation, and then strictly implement it, that's all.