Seeing the vivid cases of classic teachers and chicken blood on the bus to work every day seems to encourage us to get rid of ease and boredom and be a positive energy young man with dreams, life, love and being loved. At that time, I was secretly attracted: I also wanted to be the person mentioned in the classical teacher's book.
But ~ ~
2065438+May 2007, because of teacher Peng Xiaoliu's dream, I went to class early again and found it out from the accumulated books. After reading two chapters, I found myself feeling different. Book, or that book; But I've changed. Become less convinced of the contents of the book.
Just say the first chapter: Are you a slave to security?
The first one tells us the difference between buying a house and investing in your future. The article uses many examples and many comparison charts, all of which want to tell us a truth: buying a house consumes the cost of pursuing dreams.
Of course, everyone has dreams, but some people forget them or life erases them. What we need to pay attention to is that classical teachers encourage people to make long-term investments and invest in their own ability to create wealth, which is more rewarding than buying a house and living a stable life. The development of real estate is accompanied by inflation. Many economists, such as Lang Xianping, predict that house prices will only rise and not fall (see the first issue of Finance and Economics in April 20 17). Buying a house will consume your property in advance and make most people become so-called "house slaves". So why are there so many people speculating in real estate and so many policies to restrict purchases? After all, the current investment (speculation) is very unstable, but the house as real estate is always popular with many investors. Many people will say: I just have to work hard, not to mention real estate speculation. Only with timely information and strong determination can the investment succeed, but it should be noted that the above two conditions are necessary conditions, not necessary and sufficient conditions. Have you ever thought that I will buy a house that can appreciate in value now and sell it in five or ten years? Then the appreciation part can be used as the fund for the next property or as the principal for investing in yourself. Generally speaking, you can't kill with a stick. There are many ways and means.
Let's talk about the method of renting a house and investing in yourself advocated by classical teachers. First of all, there is an objective condition: everything has a cost. It is mentioned in the book that "a house ruined a dream", and the life experiments of Xiaoming and Xiao Qiang are used to compare the development and changes of Xiao Qiang who bought a house and Xiaoming who invested in himself in 10. Obviously, the result in the book is affirmative. Xiaoming overtakes Xiao Qiang by overwhelming advantage and becomes the winner in life, with an annual salary of 680,000. Of course, in the absence of other comparative dimensions, he can only compare his own advantages and disadvantages with his ability to make money for the time being. Although Xiao Qiang works hard and saves money, he earns 200,000 pounds a year. But it is far less than Xiao Ming whose income is 3.5 times. Why is this the result? According to the book, because Xiao Qiang pays the mortgage every month, some of them have little cash flow, while Xiaoming who rents a house is much more chic. He can use a large part of his labor to recharge his batteries, attend classes and take various certificates. Such Xiao Ming was soon promoted. So my question is: what class did he take? What kind of high-end paid lectures? What kind of certificate? Someone will definitely answer, of course, it is work-related. What does Xiaoming do? What occupation? His learning ability and vision are so high that he can be promoted successfully if he knows how to develop himself. That shows that Xiao Ming's judgment and learning ability are still quite strong.
Of course, we know that success cannot be replicated. Is it possible to give you 500 thousand to become the second Ma Yun? Many studies show that those who copy successful learning and imitate successful people may not succeed. This sentence makes no sense, because a person's success must have many external factors besides his own. Therefore, it is important to learn from others' methods, but the most important thing is to be able to combine your own abilities.
Back to that topic, making any choice costs money. Well said in economics, there will be choice if there is scarcity, and there will be discrimination if there is choice. Discrimination here is not a derogatory term, discrimination is differential treatment. Then, when young people are faced with buying a house to make a mortgage or renting a house to invest in themselves first. We need to treat the possible consequences of these two options differently. For some people, he doesn't like challenges. He doesn't want to be competitive. Just like Miss Duan in a Chinese Odyssey, find a desirable bride, get married, have children and live simply. The option of buying a house first may be more suitable for him. He may have seen clearly that his ability is limited and his personality is not suitable for galloping in the workplace. Buying a house mortgage may be his right choice. ? The second kind of person, let's call it a strong person without any primitive accumulation (family conditions are average, parents don't have much savings), such as Xiao Ming mentioned above. He is a strong man with excellent leadership, determination, self-control, intelligence and emotional intelligence. This kind of Sao year decided to live in a rental house because of its clear goal and purpose, and invested itself with hundreds of thousands of down payment. Such a person is very much in favor of him to create his own brilliant life according to the living method in the book.
For Xiao Ming, what he consumes is his own time cost and the cash cost of buying a house. If he succeeds, he is a hot winner in the workplace. If he fails, he will continue to invest time and money to enrich himself and prepare for the next Jedi counterattack in the workplace. However, his marriage may come late, and there are not many girls who really understand him and her, and they may not meet in this life. In this society, the most important thing is talent. For individuals, when can many emotional needs be realized by blindly pursuing material appreciation?
The ending logic is a bit confusing, because there are too many critical and dialectical things. But I always feel that the author of this book is the kind of virtuous gold collar who works in a large enterprise with a sound system and can get a promotion and salary increase as long as he studies. Isn't there a book called Office Storm? Office philosophy is very profound, and it is not enough to take a few more exams to get the upper position. Besides, even if the workplace is smooth, who wants to marry a person who has rented a house for 10 years? Even if I meet a kind girl like Buffett's wife. Have you calculated the rent?
Say so much, not to deny the article in this book. Because now I am used to questioning and thinking about special cases. Write this article, even if it is the first essay record since joining.