The collapse of middle-aged people:

My boss, who was in the engineering and decoration company, bought a house in Nanjing, took out a loan, and also speculated on buying villas in Baohua and Anhui. The common feature is that they are close to Nanjing.

Now the house in Baohua can't be sold, and no one is interested in the house in Anhui. The house bought with a loan in Nanjing is not enough to pay off the loan, and it can't be sold. It's very difficult. This time when I went to visit, the air conditioner at home was not turned on. I bought breakfast for our guests, but didn't buy anything for myself. I was very shocked that it was so difficult.

I also lent a lot of money to my elder. Last year, it became a big stone in my heart. I lent too much money and couldn't get it back. He invested all the money he lent to the elder in the project. The big boss in charge of the project beat someone and went to jail. The elder's millions of yuan were all used. At present, the elder's life has reached a low point. His bank card has been frozen by the court. When we went there, workers came to collect debts. My relatives and friends around me were also implicated.

My reflection:

No matter what you do, you must not touch the family savings. At that time, the elder said that if you take on this big project and succeed, your life will step into a new level, but I didn't expect it to be an abyss.

Secondly, don't estimate how good your future income will be, and then use leverage. Many people take out loans to buy houses by taking into account their future income. As a result, the overall environment is not good, personal fortune is not good, and they work hard, and the people around them are also dragged down. What you need to prepare is if my income is this much, can I still buy a house? If there is a crisis, do I have reserve funds to resist the risk? Ask yourself and make the worst plan.

Most of my fans are speculators. My advice is not to touch contracts, not to increase leverage, and not to borrow money to invest. You have the fate of making a fortune, so you don't need to borrow money. When wealth comes, money chases you. I have experienced money chasing me. The probability of picking up money in the currency circle is also very high.

If you don't have that wealth, forcing yourself to get rich is very hard, and you may even drag yourself into the abyss. Especially if you have a family, you must be cautious.

It's best to be rich and wealthy. If you can't, then live a good life.