Can I just lie down with 10 million in cash?

1. You can lie down, but first you have to avoid the five fast lanes of the middle class returning to poverty:

First: Lending money to unreliable relatives and friends because you can't afford to lose face. Time to return to poverty: Immediately

Second: Starting a business as a middle class, that is, you can't bear the hardship of being a proletarian, and you don't have the background of assets, and you are not familiar with the industry you are in, so you can only end up in a mess. Time to return to poverty: Half a year to a year

Third: Investing in multiple industries, including stocks. If you are not too unlucky, at least you can have some left, and you won't lose all your money. Time to return to poverty: 1 year at the fastest and 3 years at the slowest.

Fourth: Children's education and studying abroad. Most people know whether their children are good enough, but they are unwilling to admit it, so they spend money and console themselves with "broadening their horizons". Time to return to Taiwan: More than four years

Fifth: Returning to poverty due to serious illness, including the cost of treatment and subsequent continuous recuperation expenses. Those with commercial insurance are fine, as they can cover part of the medical expenses. Those without insurance can only spend half of their life savings. Return time: 1-5 years

Conclusion: You are not young anymore, so appease your unruly heart, take good care of your body, and hold on to your wallet. The more you fight inflation, the faster you will return.

Second, most of the middle class do not understand life. He does not understand what the rules of the world are. Most of their income and achievements are due to the dividends of the times, but they mistakenly believe that they are all obtained by their own strength.

In a society, as long as you do not control production resources, as long as you survive by selling your intelligence and physical strength. No matter what class you are in, you are just an object that can be harvested at any time.

As long as you have a wrong judgment, a wrong investment, and find the wrong partner, they will bring you countless problems, and eventually consume all the accumulated dividends of your times. So why do many middle class people return? Because they don’t know what their positioning is at all. In fact, you can observe Japan. Although Japan is very rigid, it has a group that is very conservative. People in small villages and towns mostly have their own shops or fields. Unlike here in Japan, these people control small-scale production resources.

Many young people who can't make it in Tokyo go back home to inherit their ancestral businesses. These ancestral businesses are actually the basis for a stable social status. As long as they have these ancestral businesses, they can generate cash flow continuously.

Do you understand?

The most important thing is the ability to generate cash flow continuously, and the cash flow generated must be greater than your monthly investment, and finally form an ancestral business that can be passed down from generation to generation.

If you look at the big families in the United States, the first batch of people, they can actually survive to this day by relying on the first ancestral business. You can go all over the country to see that as long as there is a "ancestral business", no matter what, it will not collapse there. You can go to the streets and alleys of the city, sometimes you will see some small shops that have been opened for a long time.

The characteristics of this kind of small shop are that the shop is their own, the business is their own, no matter how the world changes, they always have cash flow, because they can wait.

When the world is prosperous, their business will be relatively good, and the money earned can provide their family with a better life. When the world is difficult, their business will definitely decline, but the money earned can still support the family. The existence of ancestral business maintains the lower limit.

If your lower limit can reach the middle class level, then you are a difficult target to be harvested. Most of the harvested are the middle class who rely on labor and intelligence. All ancestral inheritance that cannot be inherited cannot maintain the family class.

If you live long enough, you will find that nothing is truly safe. Everything you claim to have may disappear due to some unpredictable random reasons.

Money is just a symbol. It is only effective when there is a violent endorsement. This violent endorsement is yours when it protects you. When this violent endorsement protects others, yours is no longer yours.

There are even extreme cases, that is, when the violent endorsement itself is finished, the symbol disappears.

The same is true for real estate. Although it seems that you have the right to control it by living in it, do you have the ability to keep it yourself? Not to mention keeping its value. Real estate that cannot be taken away at the slightest sign of trouble is the most worthless.

Things like gold, jewelry, and antiques actually have no practical value. At a critical moment, they are not as good as a steamed bun. The so-called high value is only under the recognized system, and these things are particularly prone to disasters. Without military protection, the more they are, the more dangerous they are.

As for the establishment, it is often regarded as a long-term meal ticket9. With this identity, you can enjoy the corresponding treatment forever. But the price paid is the loss of the ability to produce, and you cannot survive when you return to normal. Once you encounter those things that have happened many times before, you will instantly fall into the passive situation of the sky falling and the earth collapsing.

As for the saying that personal ability can maintain its value, it is even more chicken soup. Without corresponding supporting guarantees, any ability is a dragon-slaying technique9. "If you say you can do it, you can do it, and if you say you can't do it, you can't do it, and if you can't do it, you can't do it either." This is not a fabrication.

In fact, the most valuable thing is the organization that truly belongs to you, so all the mentors have always emphasized that workers should organize themselves. Only by having an organization that truly belongs to you can you resist risks and have independent security. With the security of your own pots and pans, you can resist external turmoil and always maintain your value.

4. Stay away from the trap of consumerism. There is a consumerism trap that is very difficult to detect, because its bait is nothing else but "using consumption instead of what you should pay", and then you succeed easily.

Capitalists use consumption to create many beautiful illusions, making people feel that "as long as I buy xxx, I can xxx". However--If you want to have a good skin, you don't need a table of light luxury lady cosmetics, but a good work and rest schedule, a healthy diet, and regular exercise. (And the most important genetic inheritance)

If you want to have a good handwriting, you don't need an iPad, Pencil, or a paper-like film pen tip cover, but day-to-day copying and writing

If you want to have strong professional skills, you don't need to blindly sign up for classes and pay for materials, but hard study, accumulation, summary and reflection.

If you want excellent test scores, you don't need to "buy a tablet for the postgraduate entrance examination", but to listen to classes attentively and practice a lot of questions.

Consumption can't make people better, only your own efforts can