Today’s consumption patterns are very different from those in the past. Many young people like to consume in advance. The income is not high, but I am not grubby at all when it comes to spending money. Everyone is different when it comes to spending money. Some people have been more generous since childhood and often invite friends to dinner. But there are times when it’s time to pay, and I hide behind me.

For people who are willing to spend money, some people think that such people are rich people, and daring to spend money means they can make more money. Many of the rich people we see are different from what we imagined. You owe the bank more money than you think. Why do many rich people owe a lot of money to banks? Let’s take a look at the reason.

First of all, for the rich. I will find ways to use more money to create value, and my savings may not be as large as ordinary people. With different money, you can choose different businesses. There is a big difference in profit between the business that can be done with 100 million and the business that can be done with 1 billion. There is a joke on the Internet that Wang Sicong asked his father how much money his family had. His father replied that he would not be able to spend it all in a lifetime, and Wang Sicong asked how much money he owed to the bank. His dad’s answer was that it would take eight lifetimes to finish, although this was a joke. But it can be seen that the money owed to the bank will not prevent them from becoming rich.

Secondly, you have the ability to borrow money from banks. Usually, if ordinary people want to borrow money from banks, they often use credit cards. For loans, the interest rates are relatively high. The amount is not very high, and the bank will assess your repayment ability before borrowing money. It is not that easy to owe a lot of money to the bank. For wealthy people, this is an advantage. You can borrow large amounts of money from banks, and the interest rates are relatively low. Banks also believe in their ability to repay, many just don't have that much money. But with a lot of assets in your name, the bank doesn’t have to worry.

Those who owe a lot of money to banks are not necessarily rich. If you borrow money just for consumption, even rich people will become poor. Rich people put borrowed money into the market, which can make money make money. Allow yourself to have a stable cash flow, but the money you owe the bank will usually not exceed your assets. Owing money to the bank will also put a certain amount of pressure on yourself, making you work harder to make money. You can also have a good relationship with the bank, and it will be more convenient when handling banking business in the future.

However, this situation will also have certain risks. Now many companies are accelerating the recovery of funds and reducing liabilities. It is safer to spend your own money. This is also because rich people have a relatively large demand for capital turnover. In addition to borrowing money from the bank, there are many other ways. Such as financing, listing, etc.

In short, rich people must first make money through hard work before they owe money to the bank. Once you have assets, you can borrow more money from the bank. Finally, use debt to make money make money. Some netizens also said that it is not necessarily the poor who owe money, and the rich may owe more than the poor. What do you think about this? Welcome to leave a message below to express your opinion.