The stock market soared before the National Day, and a lot of people around me became excited again. Even several young people born in the 2000s in my unit were watching the stock market on their mobile phones. I seemed to see myself 10 years ago, and I couldn’t help but feel sad.
In 2013, I graduated from university and took the civil service exam. Luckily, I passed the exam and became a township civil servant in a county in Zhejiang. In the same year, I was introduced to a primary school teacher in the county and got married. In 2014, we had a daughter. Everything went smoothly. The accident happened in the second half of 2014. At that time, A shares were also rising wildly. The market index was close to 5,000 points. Many people around me talked about the stock market after dinner.
Even the aunties at the market were talking about the stock market, and there were legends of how to get rich everywhere. I couldn't resist the temptation and secretly tried to open an account on Tonghuashun. I didn't expect to be accepted in one try. I put the salary I saved in those two years and the gift money from my parents for my wedding, totaling about 160,000 yuan, into the stock market. I remember that year, after the National Day, my colleague Lao Wang enthusiastically recommended CRRC to me. The stock price was very cheap at the time, and I bought about 60,000 yuan. It was my first time to buy, and I didn't dare to put it all in. Unexpectedly, the stock was suspended after two weeks. The announcement said that CRRC
It will merge and reorganize with CSR. Lao Wang said excitedly that he had made a fortune.
Sure enough, after a period of time, CRRC continued to rise in price. I regretted not buying all of it. After that wave of price rise, my 60,000 yuan directly became more than 240,000 yuan, which was 4 times higher. I was so excited that I felt like a stock god. Later, I bought several more stocks, and they basically all rose. During the Spring Festival of 2014, I spent the whole time in a dream of financial freedom, visiting relatives and friends, and feeling very strong. Unexpectedly, that was the only happy Spring Festival in the next 10 years.
By April 2015, my account had accumulated more than 400,000 yuan. My parents urged us to buy a house as soon as possible. The town where I worked was just outside the provincial capital. Although the housing price had not risen sharply at that time, it was almost 20,000 yuan per square meter. My wife wanted to buy a large square meter. The nightmare started from that moment. A terrible idea suddenly emerged in my mind. If I gambled all my money in the stock market, I could buy a house in full without having to take out a mortgage. The smooth sailing in the past year made me completely forget my awe of the market. I immediately put all the more than 400,000 yuan, and 300,000 yuan each from my parents and in-laws, a total of more than 1 million yuan, into the stock market.
Around June, the stock market suddenly changed direction. All my stocks fell, and then they hit the limit down continuously. The market value of my stocks was almost halved. I panicked at the time. My parents urged me to go to the market and asked me how the house I saw was going. I didn't dare to answer. I accompanied my wife to look at houses on weekends and slept with my daughter as usual. In fact, I was very anxious inside. I prayed every day that my stocks would pull back. In late June, the stock market temporarily stopped falling for a few days. I thought it had stabilized. I was unwilling to admit defeat, so I did another stupid thing. I swiped several credit cards and overdrew more than 200,000 yuan. I borrowed more than 200,000 yuan from various online loans. I borrowed 500,000 yuan from relatives and friends on the pretext of buying a house. Anyway, I was like crazy at the time. I put all the borrowed money into the stock market, just to get my money back quickly.
Finally, the stock market collapsed, and then it triggered a circuit breaker. My stock account was cut in half and cut in half again. Later, the debt collection calls went to my parents' house and my mother-in-law's house. I was completely ruined. I could only clear my positions and pay off part of my credit card, but I couldn't repay the money I borrowed online and from relatives and friends.
My wife divorced me a month later, and my daughter was awarded to her. I took on nearly a million in debts by myself... Fortunately, my stable job was still there, and I lived frugally for 8 years. It was not until the year before last that I paid off the last debt. During this period, I was sued by the bank and became a deadbeat. My future was ruined. No one around me looked at me straight in the eye, and my leaders and colleagues did not trust me. History always repeats itself, and everything seems to have come to the starting point again. Although I am unwilling, I dare not step into it again.
