Chapter 55 Not everyone can control money

Most people in their twenties think that putting some of their monthly salary into time deposits and buying clothes when prices are marked down is what money management is all about.Boys can at least take a second look at the stock market, while girls completely treat stocks or real estate investments as things that have nothing to do with them.If you put a little thought into learning about financial management, you won't have such superficial cognition.Some people think that the salary is not much anyway, and all the calculations are just asking for trouble for themselves, which is of no help.If you do a simple calculation, even if you earn a million dollars a year and save a penny for ten years without wasting a penny, it will be difficult to earn 100 million yuan.However, those who are relatively rich do not only become rich because of their high salaries, but more importantly, they have a rational concept of financial management and investment.Due to the good business in the jewelry store, Ting Fang is considered the highest earner among her friends.On the contrary, Shanshan is just an ordinary office worker, but after five years, the situation of the two is completely different.Shanshan bought an apartment in Seoul, and Ting Fang only had a passbook with a balance of 60,000 yuan and a credit card with a debt of 150,000 yuan.It turned out that under the influence of her brother, Shanshan had acquired a certain knowledge of financial management and investment. She bought an apartment in Seoul with the money she had saved for three years and a part of the loan. Within two years, the apartment continued to appreciate in value. .Hearing Shanshan's explanation, Ting Fang opened her eyes wide. "You are really capable!" Looking at Ting Fang's envious eyes, Shanshan advised her to start learning about financial management and investment now.However, Ting Fang said in an inconceivable tone: "That's too embarrassing for me, I can't do it. Can everyone learn that?" The answer to Ting Fang's question should be "yes".Financial investment is a course that everyone can learn, and everyone should learn.It is a wrong perception to think that investment is only a subject that financial practitioners and financial minded people can learn.If you've ever cared about investing before, you should have a deposit in your hands by now and probably be looking at ways to multiply it several times over the next year.If you start investing when you don’t need much living expenses, then you will be at least ten years ahead of those who start investing after marriage.