Why do you "the richer the more you are, the richer the richer you are" after the age of 40? Experts tell you 7 bad habits that will make you worse

I have observed a phenomenon, both of whom are from scratch, and after the age of forty, they began to appear in the two extreme phenomena of "the richer the richer the richer the richer".

A and B are friends I met when I was young. Neither of them have a family background or similar academic background. They both started working after serving the military service. They all have similar careers, positions and starting salaries. However, after being 40, the economic conditions of the two were far apart.

A bought his own house and his life was about to reach the stage of wealth and freedom; B was still renting a house, and the card fee must be paid with circular interest. When chatting, he often heard that he was worried about the food, rice, oil and salt of life.

results like this do not surprise our circle of friends.

Why do you "the richer the richer the richer the richer?"

Friend B:

B is a nightclub when you are young. You must drink every night and drink every night. As long as you have a party, he will definitely take a coffee. This has made me meet many friends with wine and meat. He is a typical little guy, his only interest is to play, and his biggest expert is to spend money.

"No way, no one can give face if they don't go."

"You must have a career when going out, otherwise it will be very miserable!"

This kind of people are unwilling to refuse and is responsible for the nature of material competition, so that his monthly entertainment and decoration costs account for most of his income, and he will be in a balanced state of profit and zero deposits for a long time.

Friend A:

A is a person who is happy to invest in himself. He often spends money to study and learns some professional courses, such as setting up websites, drawing software, and digital marketing, making him proficient in all kinds of martial arts.

Later, he began to accept cases by himself, and helped his clients with several good-performance cases. The number of cases was increasing, and his deputy income was no less than his regular income.

A did not have much desire, and he used most of his income to invest in financial investment. His mid-term goal was to save the final payment for the house. At the age of 35, he really bought his own house.

As the author of "Atomic Conscience" said, you will improve by 1% every day, and in a year, you will improve by 37 times; in a day, you will decline by 1% every day, and in a year, you will weaken to nearly zero.

A little change and a good habit will produce complex effects, like a snowball, bringing you rich life results! Over the long run, the wealth gap between my two friends is accumulated by Didi over the past 20 years, and the longer the time, the clearer the gap. Therefore, don't ignore the profit effects brought by these habits.

Before the age of forty, my parents decided her appearance; after the age of forty, my appearance was decided by myself. People should be responsible for their appearance after they are forty years old, and the same is true for managing money.

If you are jealous before you are forty, you can blame your background; if you are jealous after you are forty, you must have something wrong with yourself, and then pushing your responsibilities out will only make people laugh.

I have compiled seven habits that make people change. You can verify them with the "deep friends and rich friends" around you, or you can take advantage of the opportunity to evaluate yourself and see if you are a "high-risk group" that has changed.

Seven habits that make people change, see if they are a "high-risk group"

habit 1: Buying too many unrealistic clothes

Quick fashion is a trap for making people change.

Many people regard themselves as superstars and supermodels, and their inner small dramas will predetermine that they may appear in various scenes and situations, and then buy a bunch of clothes that can only be worn once, and even after buying them, there is no chance to wear them at all.

In fact, only some practical and practical clothes are needed in the locker. This will not only save you time in dressing, but also save unnecessary expenses.

Zukeber and Jabers are all wearing simple clothes, and the clothes in the cabinet may not be as much as you do. Think about it, if you are a "cafe", it really doesn't matter what you wear. My own dressing philosophy is very simple. The base of T-shirts and shirts are black and white. The pants are also versatile denim pants. As long as you keep yourself clean, you will be full.

Convention 2: Participating in too many social and parties

I really think that unintentional socializing is really a waste of money and time, especially dress code parties. For the dress code theme, spend time buying clothes that are usually impossible to wear. This is a waste of money, otherwise it is just drinking too much and playing too hard, making the next day unconscious. This is a waste of life. Is this really worth it?

Participating in social parties without any intentions is just gossip and vagueness. It is better to read a book at home, sleep well and eat well.

Carrying Three: There is a little habit of being a little lucky, sometimes it is the beginning of a great misfortune.

Many people have a hobby of sweets, drinks, chicken steaks, cigarettes and wine, and even collect small items. These small heads seem harmless, but over time, they are a big burden. You can do it occasionally, but don't become a habit.

Adha 4: Love to buy set discounts, course coupons

When you see cheap and big bowls, buy ten get one set discounts, courses, and SPA coupons, you can't help but want to continue to brush it. These are all manufacturers selling you a kind of "dream" and selling you a kind of "panic".

You thought you could urge yourself to improve every day, and finally realize that you were overestimating your abilities. In fact, you are not that diligent at all, so it is better to just use it and buy it..

Action 5: Being addicted to LeTok, lottery tickets, and gambling

Do you know what the chance of Zhongda LeTok is? Some netizens on the Internet calculated that the chance of Zhongle’s head reward is one in 1,398 million, and the chance is smaller than ○. ○○○○○○○○○1.

Experts point out that people who are addicted to buying LeTok are usually tyrants who cannot control the direction of their lives, because they believe that wealth is like drawing a tag, and one day it will fall on themselves. On the contrary, money-friendly dolls will buy LeTou, but they will not buy half of their work income to buy lottery tickets. ZhongleTou is not a strategy to get rich. What they believe is that only by working hard can they succeed.

The more you believe in the air, the more you will be the more important you will be to work hard. This kind of habit will definitely make your life "win the smallest".

Convention 6: Love to buy cheap and undustworthy things

Do you often buy too many things you don't need because of special prices, promotions, and cheapness? Some things are even given to others, and they still feel that they are in charge of their position.

Therefore, it is best to have the habit of establishing a "shopping list" and list the priority sequence of purchases to prevent your own "swer" purchase behavior.

Convention VII: Expenditures that often exceed their abilities

Buy cars, raise cars, and borrow credits, and spend more than one's own abilities when you are not rich. This behavior of "pre-supporting life" will only cause you to fall into a poor and unlimited rebirth in the future.

Please think twice before urging shopping. If what you buy only increases future expenditure, it is a "bond" of life.

The road to financial management is to go forward even when you are still unable to open up the source, so you must know how to avoid wasting money. These seven changing habits are easily overlooked. You must first develop the right consumption habits so that you can quickly help yourself accumulate your first pot of gold and create profits, and then you can have the key to break the door to wealth.

The road to financial management is going forward even when you are lying on your side. "Create complexity and extend enjoyment." Only ordinary young people can transform themselves after the age of forty!

※This article is excerpted from Boss Zhiku's "Don't be in the age of this financial management, choose to give up"