Source: Zhihu.

When a person's non-wage income is greater than or equal to the total expenditure, he doesn't? No? Achieve financial freedom. Because I did this, but I didn't feel how free I was financially.

Mr. Robert Toru Kiyosaki, the author of Rich Dad series, said, "Saving is a loser's strategy. You should achieve financial freedom as soon as possible. " We are more concerned about how to achieve it. I gave my early plan-seven steps in financial management (the seventh step is to achieve the goal of financial freedom. I'm still in the fifth and sixth steps)

The first step (financial self-knowledge stage) is to list your monthly expenses (you can't say it, list it, write it on paper, or make an Excel form on the computer. )

Take myself for example when I was single before marriage (I can write now, but it takes a long time):

1, clothing: generally, you can buy large pieces and small pieces for up to three months, and it is enough to spread them to 100 yuan a month; This single man is more economical. After having a girl, he was forced to show off, and this one was ... (┬ _ ┬) ... full of tears. )

2, eat: three meals plus snacks (smokers can be put together, I don't smoke) spend 40 yuan every day, one month is 1200 yuan;

3, live: rent and roommate share a month in 400 yuan;

4, not bad: at that time, it was still a motorcycle family, and the monthly fuel cost was 100 yuan, the highest.

5. Miscellaneous: Entertainment is generally controlled within 500 yuan, plus telephone charges, utilities and other expenses ... 200 yuan.

So, my total living expenses for one month is 2500 yuan. This is a general idea, just to answer questions, I made a simple list from memory, but I made a detailed list for several months at that time, accurate to the corner. )

If you really want to be responsible for your own finances, please make a detailed list according to your current situation, accurate to the corner. (Don't say that there is no corner, Taobao spends money, there is still some)

The second step (financial survival stage) is to save emergency money.

How much is the emergency money? Save the living expenses for the second half of the year. (At least 4 months. Can't be less)

I live on 2500 yuan a month. The half-year living expenses are 2500 X 6 = 15000 yuan. This 1.5 million yuan is directly deposited in the bank for a fixed period, and it can be moved. (PS: I started to deposit this money in batches as soon as I started working, so there is a long list on the online banking: 1000 three-month term, 2000 one-year term, 5,000 six-month term, 1000 one-year term, .............................................................................

Why save emergency money?

Give you a sense of security. At that time, it was normal to wander outside, if you were unemployed, seriously ill and had other accidents (if you were not wandering outside, it was normal). In case of the above situation, I have half a year's living expenses, at least I can go home without worrying about eating every day. Give me six months to turn over for me. This sense of security is very important, really.

Personally, I used this money to get three better jobs in my spare time (friends, you left an old company and he gave you two months' salary. Are you familiar with this situation? )。 Card, I know you will. Give me the card. I'm leaving. Here, I want to thank a former boss, Manager Ashan, who not only didn't get caught up, but also gave me an extra half a month's salary. )

Some people may ask, now that the bank's fixed interest rate is not high, can I deposit Yu 'ebao? Well, actually, I forgot about "time deposit in the bank" myself. ............, this money has two characteristics: 1, safe and absolutely safe. 2. Try not to move (regularly).

Yu 'ebao, it's not that he's not safe. I'm afraid you didn't have enough money on Taobao Alipay that day ... Well, you can deposit it wherever you want. Anyway, you put it in a safe and stable place.

When you save the emergency money for half a year, we will start to move to a higher stage.

Step 3: Go home on time after work (of course not, but I really want to go home, to be continued ...)

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Go ahead. Before talking about the third step, it is very important to save the emergency money in the second step. Before this step is completed, all investment and financial management are extravagant, not to mention spending money and enjoying it. Also, as your situation changes and your monthly expenses increase, the emergency money will also increase in the past six months. What if it is reduced? No reduction! I can't help it. I'm so simple and rude.

Step 3: (financial security stage) Save your own financial security fund.

Dude, are you fucking kidding? You clearly said that "saving money is a loser strategy", why do you still let me save money?

All right, man, you're right. I also found that I was a little ... Please fold me mercilessly. ......

But please save your financial security first: your living expenses for one year. Plus the second step: emergency money for half a year's living expenses. That is, you have to save 18 months of living expenses. Continue the above example, 2500 per month. 18 months is 45,000 yuan.

This is a lesson from my own experience. My tears are pouring/(ㄒㄒ)/~/(ㄒㄒ)/~/(ㄒㄒ)/~ ~

When I was young, I just stepped into society. In fact, it took me less than 65,438+0 years to complete the second step, saving half a year's living expenses. Then he is proud of the spring breeze, and he is full of enthusiasm. Start managing your finances! Start investing! Let's study stocks and futures. My brother wants to open a shop. Let's share the stock market together. .......

Then ... just repeat the second step (┬ _ ┬) (I made a serious mistake here, and I took the emergency fund to invest).

You would say that's because you have no experience. We are all operatives, and we won't lose money! You're old-fashioned. Why aren't you financially free? Why do you look at this question?

Financial freedom has nothing to do with whether you will make money or lose money. More importantly, the ratio of your income to your expenditure.

Your monthly income 10W, you have spent it all. You have to borrow money from others before the end of the month ... which reminds me of Tai Sen, the champion of whispering. This guy used to make more than 80% of his friends (well, don't laugh, 90%...92% ...95% ... whatever). Is he financially free? Not to mention freedom, is there any financial guarantee in the third step? In fact, Tai Sen didn't even complete the first step of financial self-knowledge.

So I continued to save money honestly and tried my best to save it. Only 600 yuan was spent in the next few months, and everything else was saved. My roommate can't stand it. He said, brother, if you go on like this, don't move. I can't afford to rent this room for 800 yuan a month. I have several bags of unused instant noodle seasoning packets for mixing soup. Stop choking. ....

Please deposit 18 months' living expenses, that is, the financial security fund, in the bank. Do not use it. Not for your investment. Can give you greater security. In the case of any investment mistakes, it can make you start over easily. You can proudly say: I will drink instant noodle soup and put ham sausage in the future!

Or you are unemployed and can't go to work with a broken ball ... at least you can live a safe and stable life 18 months. You can sort out your thoughts, plan and choose what you want to do in the future, what you like to do and what you are suitable for. With this one-and-a-half-year buffer period, we will not lose our foothold.

Do you only save money and not live? Picking up other people's instant noodle seasoning packets, right? Of course not. I am punishing myself for the failure of my first investment. Don't be a miser. What we have to do is: manage our finances under the premise of not lowering the current living standard (of course, you are a moonlight family in arrears, should you reduce your capital or reduce your capital). You used to spend 2500 a month, but now you can spend 2500 a month to prevent mistakes and accidents.

So it is really enough to save money to complete the second and third steps: save money regularly. It shouldn't be difficult to save 20% of your income every month (well, reduce it to 10% and then spend it all, don't manage money). No, just set up a time deposit account. As soon as the salary arrives, the bank will automatically deduct some money for you to deposit in the time deposit.

Before saving your own financial security fund, please make sure that your monthly expenses are normal and fluctuate around 2500. I will give you more money this month. The price of vegetables has gone up ... This is normal. But don't suddenly say: I want to buy a car, and I have a crush on a LV bag ... well, I can buy it if I need it at work, and I can buy it casually without touching the money from the financial security fund.

In fact, what I want to say is that as a China person who has the habit of saving money, most people can easily complete the second step. In the older generation, it is normal to complete the third step. However, like the young people who can complete the third step before I am 26 (not the rich second generation), (I am not modest, how can you dump me) should be less than half. & lt(~▽~)& gt； Wow haha ...

There is a difference between completing a job change in step 3 and completing a job change in step 2. After finishing the second one, you can bravely tell the original unit: I quit. Completion 3: You can confront the applicants, and you can be picky and tell your conditions and prices. Sometimes money is really your confidence. How much money is there in the bank? The atmosphere you show is really different. The interviewer can tell. Trust me.

Step three is over.

To be continued, supplement: the primary goal of financial management is to have enough assets to maintain a leisurely life, not to become a rich man. _______________________________________________________________________________

Let's move on. The first answer above said: when a person's non-wage income is greater than or equal to his total expenditure, he is financially free.

In fact, in my plan, this only completes my fourth step-

Step 4: (financial self-sufficiency stage) Make your non-wage income ≥ total expenditure.

Is it difficult to achieve financial self-sufficiency?

Tell a story about my brother's economic self-sufficiency at the age of 25:

I have a brother who married the girl he hooked up with at school at the age of 23 as soon as he graduated from college. Two people in a second-tier city, a little mixed up, hard to find a job, depressed nest in the rental house to play WOW, it is rare that his sister did not abandon him, but accompanied him to play WOW at home and play in teams. In this way, at the age of 24, they mixed up the days of supporting their families and doing odd jobs from time to time. It's also frugal, two people pay 2000 yuan a month, and you have to charge some WOW cards.

Finally, this guy thought, we can't go on like this, we must solve the problem of survival and work hard! So, in the last month of the end of 24 years, their parents bought them a big house of 140 square meters in their city, and paid it in one lump sum. They rented out the house at the price of 3500 yuan per month, and they still rented the single room they used to live in. The couple continued to play WOW and stopped doing odd jobs. So my brother became financially self-sufficient at the age of 25.

Yes, this is not my brother's story, but it is really for couples who have reached the stage of economic self-sufficiency, as long as they don't buy equipment in WOW.

Forget the above story and look at most of us who are self-reliant.

After completing the third step, you can get in touch with some sound financial products. However, I still want to use the safest bank interest rate to explain:

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This is the deposit interest rate of state-owned banks, which was grabbed from the internet today.

This is the deposit interest rate of state-owned banks, which was grabbed from the internet today.

Please look at the first item. The current annual interest rate is 0.35.

Please do the following math problem. How much current do you want to deposit in the bank to ensure my monthly expenses of 2500 yuan by eating interest?

Beg?

solve

= 8571428.571428 571yuan.

In other words, you have to deposit 8.57 million yuan in the bank (of course, you can't touch this money). Even if you don't go to work, the bank can give you 2500 a month. It's spent this month, and I'll give you 2500 next month.

Although this figure is a bit deceptive, it is true that your money is already helping you raise money.

Well, 8.57 million is a deceptive figure, which is why we said earlier that "saving is a loser strategy" and the interest rate is too low.

Change to a softer one and look at the familiar Yu 'ebao.

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This is the annual interest rate of Yu 'ebao yesterday.

We repeat the above formula:

Beg?

solve

= 5600 14.9438+05662 yuan

Ok, 50,000 to 60,000, everyone is much more relaxed. It's not difficult to save 50 thousand or 60 thousand In fact, there are some wealth management products with higher income and relatively stable. In order not to be suspected of advertising, I will not say it here.

So I said that it is not my ultimate financial freedom to make my non-wage income ≥ total expenditure. Because I've finished it, it's nothing difficult.

As for how to deposit 560 thousand, that's your business. I'm not teaching you how to make money, as long as you don't break the law. You can rely on wages (this is slower), do business, and make low-risk investments (don't touch the money in the second and third steps), like the couple above who rely on their parents. ......

Financial self-sufficiency is not financial freedom, because this income is unstable. For example, the couple above suddenly have children, and 2000 yuan a month is not enough, so they can't continue WOW with the house given by their parents. Let's say goodbye to tribes and alliances as soon as possible. Prices will go up and interest rates will be adjusted (how long has the interest rate of Yu 'ebao been falling continuously? ), and that damn inflation! ! ! ! ! ! All these require you to constantly increase the principal. And 56W? How about buying two cars? Just hehe.

Although you have reached the stage of financial self-sufficiency, you can live more easily and comfortably than many people, even without looking for a job or looking at the faces of old and new customers. But please don't be satisfied with the stage of financial self-sufficiency, let's move on to the higher fifth step.

-To be continued, give a summary to be continued: financial self-sufficiency can only make your life safe and secure, but it can't make your life moist and wonderful. Therefore, where the money (that is, 56W) goes at this stage, please put it in a safe place (such as money funds), and never put it in high-risk places such as stock market and futures. You don't mind playing for a fixed amount.

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It's dawn Go ahead.

The process from financial security to financial self-sufficiency is also a process of constantly saving money. Of course, you can make the following arrangements for your monthly surplus:

1, save all;

2, part of the firm deposit, some other high-return investment, (investment is risky, you have to grasp and bear) the consequences are nothing more than two:

A. Investment will generate income and accelerate your completion of the fourth step (it originally took five years, but now it can be completed in two years); # _ # Strange, why should I blush? ...

B. Investment failed and financial self-sufficiency was delayed (now it will take eight years).

You can choose the above two ways according to your personal ability.

But don't choose option 3, it's all for investment.

We are now entering a higher stage.

Step 5: (financial comfort stage) Make your non-wage income ≥ 65438+ 0.20% of total expenditure.

As mentioned above, after completing financial self-sufficiency, you now have 560,000 yuan in Yu 'ebao, but you can't live a nourishing and wonderful life. Because there are too many uncertain factors, my parents are ill, the second child is popular, my wife gives birth to another child-_ ||||, major investment mistakes, rising vegetable prices, and the interest rate of Yu 'ebao has dropped to 4.5 ... So we hope it will get better and better.

According to the above calculation, we have 560,000 in Yu 'ebao. According to the annual interest rate of 5.357, we can generate interest of 2,500 yuan per month, which is 30,000 yuan per year. Then more than 30 thousand, 20% is 36 thousand How much money do I have to save at this time to give birth to this 36 thousand?

56 directly × 1.2, just ... um ... wait ... I'll find the calculator ... ah ... it's 672,000 yuan!

Ok, after completing the fourth step above, I am self-sufficient in economy, and I have always said that I should pay attention to consumption, and don't spend money indiscriminately, buy a car and so on ... I really hate it ... I am also very annoyed. ....

Now that our economy is well off, what can we do? (Of course, on the basis of maintaining the original living standard of 2,500 yuan per month)

We can already play without going out to work (theoretically, but playing every day is actually a very painful thing, really! Anyway, we can already say that we are working for spiritual prosperity and self-improvement, not just for money. We can still maintain your basic life. Moreover, there is an extra 20% money for consumption and enjoying a higher standard of living than before. Use this extra 20% money to make some risky investments.

From the first step to the fifth step, we didn't actually use any advanced financial skills. There is only one way: save money! Continue to be safe and save money! ..... and then what? Stop here? Peace of mind? Don't want to continue to peek at the realm of our original goal of "financial freedom"?

-To be continued, no summary.

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Come back from tomb sweeping in Qingming, and continue.

Because I have only finished step 5 at present, and my goals are still steps 6 and 7, so I dare not say too much.

Step 6: (financial unlocking stage) Make your non-wage income ≥ 10 times of total expenditure.

Let me talk about it first. After reaching this stage, I became interested in YY:

Don't do annoying things, don't look at your disgusting face every day; Spend less money all day and stay close to home, with high position and light responsibility; I have to sleep until I wake up naturally and eat like a bucket waist. ..................................................................................................................................................................

It seems that a rich second generation in TV series said, "This is not the day I want!" (voiceover (# ‵') highlights: "This TM is the day we want!" )

Don't worry, as long as you reach this stage by your own efforts, work will definitely become a habit you can't quit (whether it is working, starting a business or freelancing).

Look at the numbers first: you don't need a formula, just release the money at +00 in step 4. In other words, if you have 5.6 million RMB in Yu 'ebao, you can achieve this goal. You don't have to work one day a month, but there are still 25,000 yuan for you to spend, and next month.

But to reach this stage, just like the previous steps, you only need to save a few percent of your dead salary every month. Is this ... okay ... that is, time will be lost. .....

Start learning and get in touch with some investment tools. (The principle cannot be broken: 1. Don't make high-risk investment before completing the third step; 2. Appropriate investment can be made in the fourth and fifth stages; Don't touch the headmaster from the second step to the fifth step. )

There are many tools to choose from, with different rewards and risks. Because I am not at this stage, I am not qualified to recommend it. If you want to analyze and learn by yourself, you can also consult an expert (but first you must know whether he is a real expert).

In fact, at the financial comfort stage (that is, after 60,000 to 70,000 yuan), 20% of the money can be used to take higher risks in many places every month. Worst of all, all the money is gone. As long as the principal is 60,000 to 70,000, we will not lower our living standards.

Although I am stupid, I have paid the tuition for half a year and several months. Continue to sum up the failure experience, find an investment strategy that suits you, and implement it firmly, so you won't keep losing money (really keep losing money, keep saving).

I dare not introduce my experience in investment. In terms of consumption, it can be said that large-scale consumption (garage and the like) should never be paid in one lump sum. Please apply for a loan or installment payment. Put the principal in a fixed investment tool casually (there are many tools with higher interest than installment interest, so I don't know how to learn). Not to mention installment interest, you can earn a few more points.

There is also the necessity of interacting with friends at different levels, not to say that you just want to play with high-level people (offline, not online).

Although the network is developed now, it is developed again ... Last night, I had dinner with some friends, and a brother grabbed a project in a county below our city and gave us some meat. This small short-term investment project is right beside you and can't be found online. Even if we find it, it's useless. You can't come all the way from Beijing to invest in stocks in our second-and third-tier small places, and you won't give it if you come.

In addition, friends from other places will occasionally introduce some information when they come to play. Everyone has a lot of information, but many people don't care. For example, before last year, you could cash in your credit card with Alipay. I used to use this point, and the abortion earned hundreds to 1000+,but now it is gone.

And keep a low profile and don't fart (well, what I said before is a lie, I am poor).

Because when we learn to make money and increase our income, we should control our desires with great patience and continue to live a life of 2,500 yuan per month. It is always a prerequisite to realize financial freedom to increase revenue and reduce expenditure and ensure that our expenditure is lower than my asset income. As your expenses increase, the principal of your financial freedom will also increase. You really need to spend 25,000 yuan a month, and my principal in the financial unlocking stage is only enough for you to achieve financial self-sufficiency.

At least wait until the fifth step-financial comfort stage, and then begin to enjoy life slowly.

In the financial unlocking stage, 25,000 yuan per month and 300,000 yuan per year will give you excessive consumption and high-risk investment. At this point, we are only one step away from our original goal.

-the last step to be continued "financial freedom"

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I'm a little lazy recently. I can't go out when it rains. I finished updating.

Step 7: (financial freedom stage) Make your non-wage income ≥ 65438+ 02 times of total expenditure? Don't!

In fact, it's a bit far not to write the last step. It's still possible to unlock ..............................................................................................................................................................'s finance, and freedom is possible ... (Are you kidding? ! Didn't you say one step away? )

Ok, you can also set the standard of financial freedom as: make your non-wage income ≥ 12 times of total expenditure. If you achieve "financial unlocking", that is, 10 times, and then achieve the standard of 12 times, it is really a step away.

But it's too boring and easy, isn't it?

Rich dad also said that financial freedom is to make your non-wage income ≥ total expenditure. The definition of any word is given by people. If he can give it, why can't I? I don't want to get a degree in economics, nor do I want to recite standard answers.

Who is the person who has achieved financial freedom in my heart? Bill Gates, Li Ka-shing, Ma Yun ... all count. They have enough money to buy the goods, services, education they need freely, and even a promising enterprise ... If it is too far away, don't go to YY if you don't know.

When our non-wage income is 12 times of the total expenditure, let's relax and realize financial freedom.

—————————————— Summary:

The above seven steps didn't teach you how to make money. In fact, personally, managing money and realizing financial freedom (the easy kind) is more of a habit. If you earn 5000 yuan a month, it is not more difficult to achieve financial freedom than people who earn 50000 yuan a month. He earns 5W, spends 5W, and has no savings.

Make a statement: the specific figures, percentages, practices and regulations involved in the above seven steps are all suitable, only suitable for me (in fact, I have not fully implemented them according to the rules). I'm just showing you my humble financial ideas. You don't have to copy them. You still have to combine your own actual situation to find a suitable and suitable financial management method.

Tell me about some tools I have come into contact with:

A. Securities, such as funds, stocks, futures, and foreign exchange (the latter three are not suitable for me, but I just keep the money I put in before and look at it occasionally, but I haven't taken it out or continued to invest);

B, real estate, behind a few predecessors, there are mainly three ways to play:

1, directly invest in the new site, and the annual interest rate can even reach 50% in the early years. At that time, I was directly scared by such high interest rates. Dare not borrow money to invest, just move the savings. I don't regret it now, and the principle cannot be broken. ) Now this opportunity is gone.

2. I bought two single apartments with a loan in the early years and have been renting a house to support the loan. It was annoying to collect rent, so I left it to the intermediary. Now I have sold one set.

3. Investing in a house with a real estate license loan will definitely earn interest back. But for the sake of safety, you should invest more in places above 1 point and earn a few points every year.

C, companies (some are purely small)

First, lose everything (see step 3). Later, I was sharp-eyed, so I had to choose. If I didn't choose the achievement, I wouldn't vote.

Once, a very good brother couldn't get through. He knew he couldn't hold on, so he said, I won't vote, I'll lend it to you without interest, and I won't participate in management. It closed after half a year, but my brother still paid me back in full, and I had to choose someone to borrow money, really.

Once, a colleague and I voted for a hotel. Two years later, he went out of business, withdrew his shares, didn't receive dividends for two years, and lost 10 points. Some of them lived as minority shareholders for two days in vain. Fortunately, the risk was estimated from the beginning and was within the tolerable range.

Basically successful investment is generally around 10 to 20 points per year.

There are others, such as publishing, website, agency, joining and so on. These have to be put into management, but they have not been touched.

Finally, everyone's desire, earning ability and deposit consciousness are different, but they can make the same efforts in financial management, which can be summarized as an old saying-open source and reduce expenditure.