At the beginning of the year, we all made good wishes. This year, I will lose 20 Jin. I'm going diving this year; I'm going to save 50 thousand yuan this year ... suddenly looking back, 20 17 is over half. Is my wish within reach, or is it far away? In fact, the goals we set for ourselves are not things that need to be completed after 81 difficulties. On the contrary, we only need a little persistence and self-discipline to get what we want. But the truth is often, "I'll wait for tomorrow, and everything will be in vain." My friend Xiao Chen is such an example. Two years after graduation, I worked in Wuhan with a monthly salary of 5000 yuan. Long time no see, ask him how his work is. He said, "That's it. I want to jump ship. " "Why did you resign?" I asked. "There are too many rules and regulations, and the salary is not high. Not passionate at all, not boring. " "What about saving money for two years after graduation? After all, job-hopping should also consider reality? " "Thirty thousand." "Where did you put the money?" "Put it in the bank." "Isn't it a pity that the bank interest rate is low?" "But what can I do?" "There are so many ways to manage money now, how can there be no way?" After communicating with him, I summed up the views of many young people who are lazy in financial management: first, "money is earned, not managed"; Second, "high principal is necessary for financial management". For this view, which is very popular with young people, the person in charge of the rich made a profound analysis. Making money or managing money? Are young people nowadays subject to the principle of "you can't have both", so "making money" and "managing money" must be either one or the other? In fact, making money and managing money are like people's two legs. If you have to cut one, it will be difficult for you to achieve financial freedom. Therefore, we often see such a situation around us. Some people: with a monthly salary of 30 thousand, they are sad every day and have a hard life; And some people can manage their lives in order and enjoy every moment of their lives with a monthly salary of 5 thousand. That's because people with a monthly salary of 30 thousand can only walk on one leg, with only work income and no asset income. When you sweat like rain, other people's income is lying down. People who are not good at business, no matter how much money they earn, can't see the distance. How to "make money lying down"? There are many methods, such as stock trading in a bull market and real estate speculation when house prices soar. If you feel that there is not much money left in a month, you can also choose investment funds or internet finance, which are all good ways to make money. Is it necessary to manage money with high principal? There is some truth in this sentence. Driven by Matthew effect, the richer the rich, the poorer the poor. Millionaires manage their money several times as much as ordinary white-collar workers. But as an ordinary employee, you can only give up on yourself? No, we need financial management to complete "self-salvation". Let's feel through the data. Xiao Ming earns 5000 yuan a month, excluding the expenses of 3000 yuan a month. Assuming that the net assets for one year is 30,000 yuan, he will deposit the money in the bank regularly, and calculate it at the regular interest rate of 2% (the highest regular interest rate of state-owned banks is 1.95%), and count it into compound interest. 10 years later, his principal and interest is 36,634.7648 yuan. If Xiaoming insists on investing 30,000 yuan in bank 1 year wealth management products at the beginning of each year, his principal and interest will be 33,938+073 yuan after1year. Similarly, Xiaohua has a monthly salary of 3,000 yuan and also invested 30,000 yuan in the financial platform. Conservative calculation is based on 10% annualization (in fact, platforms are often introduced, and annualization of 12- 15% is not unusual), including compound interest. After he 10 years, the principal and interest will be 81144.4400. If Xiaohua insists on investing 30,000 yuan in the financial platform at the beginning of each year, his principal and interest will be 539,027.88 yuan after 10. The same income and investment, 10 years later, the difference actually reached more than 200,000 yuan, which means that if you change your financial management method, you will have an extra car. This is still the most conservative estimate. Take Juyou as an example, the annualized rate is 10.8%, and exciting activities are often launched, so it is easy to annualized 12- 15%. With the growth of one's income (the greater the principal, the greater the gap), it may not be a car, but a house. 20 years later, 30 years later? When Xiaoming was still wandering on the edge of the poverty line, Xiaohua had lived a life of financial freedom. So, you still think it is necessary to manage money only if the principal is more? Of course, in recent years, due to the difficulty in redemption of some platforms, investors have to keep their eyes open. Jucai knows this well. Therefore, after two years of operation, the troika of technology, risk control and compliance keeps pace and makes steady progress on the road of compliance. Technically, through Alibaba Group's "Cloud Shield" and "Cloud Computing", Juyou provides all-round security protection for platform data, such as DDoS protection, host intrusion protection, vulnerability detection and Trojan horse detection, to ensure the safety of users' information and funds. In terms of risk control, Juyou, on the basis of cross-regional verification, joined hands with a strong pre-trial team composed of banks, guarantee companies and law firms to conduct an all-round and multi-dimensional review of the borrower's loan information, personal credit standing and repayment ability, and required all borrowers to obtain loans with fixed assets such as real estate and vehicles as collateral. So far, only about 5% of borrowers have been able to complete online loans through auditing, and the platform has not generated a bad debt. In terms of compliance, gather money to hold hands with Pacific Insurance, and pay a maximum of 5 million in the case of stolen user funds; In official website and mobile APP, Juyou has fully disclosed investment projects, borrower information, investment records and investment contracts; In addition, Juyou officially signed a bank depository agreement with Xiamen International Bank, and the docking situation was tense. Juyou actively responded to the call of the regulatory authorities and made unremitting efforts to practice inclusive finance. Tagore said: We read the world wrong and said it deceived us. Life has not failed us anything, bit by bit, all in our own struggle and persistence. Therefore, I hope that after 10 years, you don't have to live like a mediocre person and complain about others. I hope you can support yourself, start a business and support your dreams.