First, from the invisible poor to the income after sleep?
Recently, a group of people on the Internet are really angry. They are neither the post-90 s of Buddhism nor the post-80 s who are about to fall into greasy middle age, but a group of people called invisible poverty. The so-called invisible poverty refers to a group of people who seem to have food and drink every day, but in fact they are very poor. After everyone's imagination was limited by poverty, suddenly looking back, I found that the invisible poor were talking about themselves.
Many netizens said: Oh, that's me! I seem to have everything every day. Food and clothing, can always be extravagant. In fact, I am a poor man in my bones, not only moonlight, but also gnawing at my parents. Maybe if you buy something a little more expensive, you will go bankrupt and get into debt for minor illnesses. If I am accidentally fired, I will have to find a temple to give alms.
Of course, there is a more heartfelt saying. In fact, you are not the so-called invisible poor, because you are the visible poor. According to the theory of mind sulfuric acid, don't think too much, because you are poor and don't need to be invisible at all.
However, the most striking thing is that on the day of Youth Day, Fan Bingbing's younger brother Adam released a paid photo in the early hours of the morning, which showed that 60 yuan could see the photo clearly when pricing. As a result, when he woke up in the morning, 80,000 people had chosen to buy it, which means that he had 4.8 million yuan of after-sleep income after waking up.
Under the contrast between the invisible poor and the income after sleep, many people will feel that they are really poor. So, is there any way for us ordinary people to transition from invisible poverty to having income after sleep?
Second, why is it said that no income after sleeping is invisible poverty?
I remember last year when we were discussing the sidewalks, slow lanes and fast lanes of wealth, we specifically discussed similar issues. Why do we feel like invisible poor people? In fact, this is mainly because in this era of the Internet, we need to spend a lot of money. Any Internet e-commerce company such as Taobao and Tmall is trying to make you addicted to their products, while offline companies are trying their best to attract shopping. In addition, Internet apps such as Little Red Book are still teaching you how to buy luxury goods. You could say that. For most people, wages are the only source of income, and this situation is changing, so that almost everyone will feel that they are invisible poor.
We need to know what our salary is. The so-called salary is a salary that we work hard to get, which is the definition of salary by most of us. However, in Karl Marx's monograph Das Kapital, the great revolutionary mentor, there is actually another definition of wages. The so-called wage is a means for capitalists to buy workers' labor. For capitalists, wages are a kind of monetary distribution paid to maintain the basic survival of workers and their families. Therefore, if we only rely on wages, except for a few so-called high-paying people such as executives, most people's wages can only maintain basic survival. Therefore, wage income is what we often call "bedtime income", because you have to keep your eyes open and take the initiative to work to earn money. Once you stop working, your income will automatically stop, so the income from moving bricks at work is the income before going to bed.
So, besides the income before going to bed, do we have other income channels? Of course, this is "income after sleep". The so-called income after sleep actually had a name before. This is passive income, which we can get automatically without doing anything. For example, some people say that my balance treasure can contribute to me every day 10 yuan's income after sleep, which is enough for me to buy two steamed buns and a cup of soybean milk for breakfast. Indeed, this income is actually what we call financial income every day, and it is a standard type of income after sleep.
So, what are the common types of benefits after sleep? There are mainly the following aspects:
First, financial income. For most people, the most familiar financial management method is undoubtedly Yu 'ebao. Indeed, the income level of Yu 'ebao is much higher than that of all those who deposit money in the bank. Of course, if you have money, you can buy financial products such as funds, and some people can even trade stocks, futures and financial derivatives. These are all types of income from financial management.
The second is rental income, which is a common income type. For example, in a big city, if you own more than one house, you can rent it out. Of course, in the case of extremely low domestic rent-to-sale ratio, it is still difficult for rental income to supplement households, except for the second generation. Of course, in Beijing, Shanghai and other cities, there are also cases of issuing car number plates, and these incomes are called rental income.
Third, intellectual property income. The so-called intellectual property income, such as talking about records, writing plays, writing books and inventing patents, belongs to intellectual property income. In a sense, Adam mentioned above also belongs to the type of intellectual property income. He consumes his fans, and the fan economy also belongs to a wide range of intellectual property rights.
The fourth is investment income. The investment here is different from the financial management mentioned before. Financial management is to buy products in the secondary market. The investment here actually refers to the primary market, even equity investment. For example, the listing of Ali and Xiaomi will create many billionaires. These people are venture capital.
It can be said that if you don't have these after-school incomes, but only before going to bed, then the probability that you will become invisible poor will be extremely high.
Third, how should we ordinary people create income after sleep?
Marx said that there are only two sources of human wealth, one is living labor, which is what we pay in our daily work, and the other is dead labor, which is what we call capital. In fact, to create income after sleep, we must accumulate our own capital as much as possible.
There are various sources of human capital, such as a good-looking star, which belongs to natural capital. Of course, some people get several houses because of demolition, which belongs to natural capital. But for most people, we can't rely on natural capital, but on our own acquired capital. So how does a person create his own acquired capital?
First, open source and reduce expenditure to get your first bucket of gold. There is a very famous low-income trap in economics. The so-called low-income trap is that because you have no money, your income can't be accumulated at all, which will form a vicious circle and you will become poorer and poorer. We should try our best to save our income, so that every little makes a mickle. When we have the first money, we can use it for investment and financial management.
The second is to cultivate their own human capital. However, it is not enough to have your own capital, because financial management can only preserve your wealth at most. Relying on financial management is not only difficult to really add value, but also prone to risks. There are many people who lose money in stock trading, which is the result of mismatch between actual capital and human capital. Anyone who knows about investment knows that investment is a highly knowledge-intensive industry. You must learn to judge trends, identify risks, and learn to stop losses in time. So how to cultivate human capital? You should choose what you are good at. For example, if you are good at investing, you should study hard and learn to invest. If you are good at writing, you should constantly improve your writing ability. If you are good at a skill, you should constantly improve it.
When the skill level is perfect enough, you can combine capital and human capital to form your own after-school income.