You never know what you will meet.
You will never guess what life will be like in the future.
-Benjamin Button's lines
A realistic problem that most people need to face is: how to balance the living expenses of the remaining two-thirds of the total income of13, and how to plan their lives based on this premise. This is a big framework we want to talk about and find the essence of life planning with this basic disk as the core.
0 1
Why do we work so hard and still can't live a good life?
When we were born, we lived in a family with different resources, and your starting line was virtually divided; When we first went to school, we were dealing with unfamiliar subjects, and your education determined your way of thinking. As soon as we graduated, we made a choice to adapt to this social change in industries and companies without concepts; At the beginning of our work, we have to work hard in unfamiliar company positions to get meager income; We have only been working for a few years, and we have to live together with little knowledge of the other half and deal with all kinds of inexperienced risks.
We all seem to have encountered such a universal problem:
When you don't have any experience and ability, you have to make various life choices to change your destiny. So how many pits will there be along the way and how many untimely bombs will be buried? Once life goes wrong, it is a high probability event.
If you make a wrong choice in life and want to do it right again, the energy cost and price are extremely high, so just solving these problems will make you exhausted, and many problems can't be solved by money. Because of the lack of cognition and coping plans, all kinds of illiberality are flooding your life, so it is enough to deal with these puzzles, not to mention wanting to live a high life.
So we have encountered such a very realistic problem: how to make our life gradually full of vitality based on everyone's current state and through what changes?
02
Chaos and blind efforts will make you poor.
In fact, I am disgusted that many official WeChat account media often write a general post represented by extreme cases in order to win the attention of the public, making others think that the income of a certain industry is the income of all industries, which makes readers panic and full of anxiety. In fact, the editors who write these marketing tweets may just be interns with a monthly income of several thousand yuan.
For example, I am a "post-00 generation" and have earned millions a year.
For example, I have been on the board of directors for two years.
For example, I am 40 years old and my income is not as good as that of an intern.
No matter what these headlines promote, they all imply: "You have been mixed up for so long, and your life is not as good as mine."
This kind of extreme "case" in the statistical sense is extremely misleading, which makes many people mistakenly think that everyone in a certain industry can earn so much money, so readers naturally think that they can learn from experience, thus improving their cognition, making their wealth leap by leaps and bounds, and naturally making their lives solid. It is logical to spend money on such excellent courses.
Therefore, when you are working very hard to learn advanced knowledge beyond your ability to execute and control, but you turn a deaf ear to the cultivation of your ability level, in the long run, you will lose your job security.
If you only earn 1 times, but you are taught to spend 3 times the income level, because you are looking at the management model of 9 times the income level and the business knowledge of leadership vision, then you are talking about the classic case of 27 times the income level and the benchmark model of successful people. Finally, you are dreaming of "financial freedom" with 865,438+0 times of passive income, and the whole person will enter a state of madness and excitement, which will expand to the point where you want yourself.
Many people seem to study hard, but in fact they are trying to learn all kinds of "get something for nothing" speculation skills, in order to finally achieve the goal of getting higher returns. Therefore, when many people begin to learn the knowledge system that their abilities cannot carry, the lie of "being lazy for learning" becomes blatant.
Once you enter this "psychedelic" state, how to increase your annual income by 20% to 50% is simply an insult to yourself, and you will not wake up until you lose your job security. But the most uncomfortable thing is that I have seen the world, but I have no ability to get it. Time is gone forever, and my head is white and sad.
Any investment in learning, if it can't change the value of your achievements in the transaction, or your social structure, or your income model and income model, will ultimately be an ineffective effort. You think you are studying hard, but you are wasting your youth.
Many people think that they work hard, but the result is that they study hard and irrelevant knowledge cannot be transformed. In the end, because they are getting poorer and poorer, the more they learn, the more confused they become. Many students who come to me for life planning consultation have encountered a thorny problem: because they are too eager to study, they have signed up for too many courses, which eventually leads to the embarrassing situation of "the harder they work, the more confused they become". So when I was "feeling their pulse", I came to such a conclusion without exception: it is because you have learned so much "useful" knowledge that you have become poor!
03
What is the "main task" of life planning?
Friends who often play fighting games and watch magic movies will be very familiar with such scenes. At the last moment of the general attack, the big villains poured in from various hills with small monsters, forming an overwhelming encirclement of the protagonist's troops. When the righteous army was almost overwhelmed, the protagonist tried his best to kill the villain. When the enemy lost its commander-in-chief, other little monsters lost their foothold and fled everywhere, so the protagonist won.
In fact, this kind of scene is very common in life. We will repeatedly encounter all kinds of particularly annoying things, which have been tormenting you like ghosts and driving you crazy. But once you grasp the main problem and attack it, or even just give an instruction, this trouble, other minor problems and new problems derived from it will eventually be automatically eliminated, but on the other hand, as long as the main problem remains unsolved, it is useless for you to solve more minor problems, which will be consumed alive by the secondary problems that are constantly derived.
In fact, there is a proper term in the computer called "cascade deletion". You can think of this as a trigger mechanism. As long as the related data in the key table is deleted, the corresponding related data in other related tables will also be automatically deleted.
This radical operation can quickly get all the relevant data. Compared with manual processing one by one, it can save a hundred times and a thousand times of time. When the amount of data is small, it has no effect, but once the amount of data is large enough, the effect will be remarkable.
I once met such a thing: an executive complained to me that he had two or three duplicate information data in a key customer information list of nearly a thousand people because of his negligence, but he didn't know which ones, so he couldn't tell his boss that he had made a mistake. Finally, he printed them on A3 paper and searched them one by one with a highlighter. It took 10 hours to find them, and the efficiency was particularly slow.
I smiled and showed her the on-site operation. There are at least three ways to quickly filter duplicate data in Excel, some of which can be done with just a few mouse clicks. The little girl collapsed after reading it, and then kept scolding herself for being so stupid. It turns out that as long as you master one or two formulas, you can "defeat the enemy with one stroke" and liberate yourself from the investigation task of inefficient manual labor for more than 10 hours. This time-consuming and laborious inefficiency still occurs from time to time in today's workplace.
In life, this kind of thing can be seen everywhere:
What will you do if you can't eat delicious food because of low income? Normal thinking is to work hard and earn more money on the basis of your original ability, and you can eat delicious food. This is a very reasonable thinking logic. Only by making yourself stronger and increasing your income can you buy more delicious food.
But some people are willing to focus on how to save money and how to eat the most with 10 yuan. An office area with delicious and cheap shops within a few kilometers from Fiona Fang; Which restaurant is on sale these days; How many kilowatt-hours do I use myself a day? How many tons of water must be used every month; How many napkins can I use at a time? Have you ever found that the more you focus on saving money instead of making yourself stronger, you will be consumed by yourself. Because of the long-term lack of food, I can't concentrate, my work efficiency is greatly reduced, and I often make mistakes.
In fact, it is very clear that as long as we do an important thing well, we can greatly improve the existing predicament and save a lot of time and energy. As a result, I still choose not to do it, and I am tired of dealing with all kinds of trivial things every day. Finally, I spend my precious time on meaningless things, and then I feel that I am working hard, but the results are few.
So our question is:
What can we do to prove that we are moving in the right direction?
What can I do to realize that my direction of action has deviated?
How to measure to know that you are growing step by step, instead of wasting precious time in circles?
Is there any "positioning reference tool" that is easy to understand and can be understood in one second?
The answer is: yes! Please look down carefully. Only by knowing your current position can you better move towards your goal. And all the knowledge points that this article and the follow-up have been talking about are all around the above problems and give feasible solutions.
04
The total income of your life determines your life direction.
If we are content with the status quo and don't work hard, can we? I believe some people will whisper, what are you working so hard for? I have a good income now, so let's have a try. Multiply your annual income by 30 years of work experience to see what your total income is in your life.
Suppose your annual income is 50,000 yuan. After 30 years, your lifetime wealth accumulation will be 6.5438+0.5 million yuan. The sum of the expenses includes supporting oneself and the other half, children and elderly elders. When we see this curve, do we realize that this curve can directly or indirectly determine our life's fate, and this curve represents the change of cash flow in your life.
Let's look at the horizontal axis and the vertical axis first. The vertical axis represents income and expenditure. The higher the income, the higher the expenditure. The horizontal axis represents a person's age, and the bigger it is to the right, the curve represents a person's life-long cash flow changes.
When you look at the income changes of a family for three generations from the perspective of "average monthly income of a family", you will deeply understand:
Your parents' income determines your starting line;
And your income also determines the starting line of your children and the ownership of your parents in their later years.
As a parent, you should know that earning money by yourself brings a decent life to your family. This kind of work experience, as well as the network of people you know because of work, will also bring strong network information to children. This is also an option that you can at least widen the gap of peers10 for 30 years. Because only hard work can teach children the skills of hard work. By the same token, you can't succeed on your own, and you can't teach your children the lessons. Therefore, the truth can be passed down from generation to generation through words and deeds.
Parents earned 6.5438+million, and the children knew how to spend 200,000 next. Only when parents earn 200,000 yuan can children know how to spend 400,000 yuan next; Only when parents earn 400,000 yuan can children know how to spend 800,000 yuan next; Parents earn 800,000 yuan, and children know how to spend it next 1.6 million yuan; Parents earned 6.5438+0.6 million, and the children knew how to spend 3.2 million next.
This is a process of personal experience and life experience accumulation, not a process of boasting and reasoning.
John adams, the second president of the United States, summed up his life mission by saying: "I need to study politics and war, and then my son can study geography, nature, shipbuilding, navigation, commerce and agriculture;" Only in this way can my son's son have the opportunity to learn painting, poetry, music, sculpture, tapestries and porcelain. "
This is the inheritance of recessive experience value between families. If your generation can do it, your children will be very happy. However, if your generation doesn't want to work hard, your children will work hard at this level. If your children can't do it, this problem will be left to their grandchildren. This is the reincarnation of the family and the curse of the family.
On the surface, life planning is a personal effort, but it is also a family effort, and it is also your attitude towards your family inheritance. When your child is running at the starting line, you can't give him "God's assistance". On the other hand, why don't you blame your child when he grows up? !
When I returned to Shanghai Pudong Airport from Sydney, Australia, I was deeply impressed by a child waiting in line next door. He may be a pupil with a six-or seven-page passport in his hand. Entering the global punching mode at such a young age, I have only been abroad twice, once for a trip and once for a business trip. I admire in my heart that this is not a contest of age, but a contest between families.
The more you understand the meaning of these three income curves, the more difficult it is to understand life. So to some extent, this curve is the lifeline of your destiny and has a strong connection with your life. So, what can I do to change my life from now on and stretch this curve to the limit as much as possible?
In the next article, I will tell readers how to prepare, how to prepare at each stage, and what professional knowledge they need to learn, including how to do practical training step by step, which will help you diagnose and analyze in all directions and help you grow rapidly.
Transferred from the official account of WeChat: you can enjoy foreign exchange if you have the materials.