Before commenting, let's take a look at this article. Less than 1000 words, but it combines many media hot topics such as middle-aged crisis, high housing prices, class transformation, second child policy, housewives and so on. There is a reason why it is popular.
The original text is as follows. I have marked some important points. Please note:
After reading the article, I think he is already an excellent senior, but there is a popular saying that applies to him: tactical diligence lost to strategic laziness.
What is strategic laziness? Without considering the superposition of risks, it is impossible to achieve class leap by speculation. Just take this opportunity to talk about some of my thoughts. Where did he do it?
① The leverage pressure of the second suite brings financial risks.
The author of this paper points out that two sets of mortgages plus mortgage loans will be 30 thousand, and paying back the mortgage is similar to subsidizing families with bonuses. Yes, it was fine when buying a house, but it has pushed a family to the last bottom line. If there is any crisis in life, the whole family will bear great pressure.
(2) The second child, whose wife is a housewife, brings economic pressure.
First of all, raising children is a long-term investment process. When children go to primary school, it will be a big expense after they go to middle school, and they will even consider studying abroad. So the first baby gave birth to the second baby before thinking clearly. This actually puts double pressure on yourself.
The wife is a housewife, so the only source of income in the family is her husband. I admire her husband's sense of family responsibility. If you live in a small city in the third and fourth tier, your wife will have a good life as a housewife However, in these three cities, the cost of living is so high. For a middle-class family, if both parents have no solid savings before, then the young couple must work together to have a relatively high quality of life. If they only rely on one person's income, the society is changing so fast now.
③ Failing to consider the potential dangers of national policies.
When I bought the second suite, it was also the time when the real estate in Shenzhen was booming. At this time last year, your property appreciated and sold, and there were countless takers, but everyone knew that it was a fire pit and a deformed market, but in order to make money, everyone jumped into it. The state has introduced regulatory policies, and the real estate has cooled down, so there is no way to sell it. In the end, I can only swallow the bitter fruit myself.
④ Do not consider other potential family risks.
Of course, there are still many factors that have not been taken into account, such as the illness of children, the illness of the above four elderly people, their possible accidents and so on. , all borne by two nuclear families, may have a devastating impact on middle-class families. Under the current family conditions, we can't tolerate any accidents, we can only seek peace.
After all, I lost to myself.
Let's take a look at 10 years+people who work in big companies with experience. After being fired, he couldn't find a job with a monthly salary of more than 20 thousand. This is Shenzhen, not a third-and fourth-tier city.
Let's take a look at the fact that the PO owner said that he couldn't go out to be an executive, so there were fewer interviews. He never dares to slack off in the company. He works overtime if he can. If he can go early, he will be nervous for many days, afraid of losing his job. This has shown that PO owners have relied heavily on such a platform, and have not had much ability to plan their career or look at the overall situation. He has struggled for 10 years, and he has never served as a senior in the company, otherwise he would not be in such a mess. Therefore, he also has to question his ability to work. What you call hard work is actually just tactical diligence.
Judging from the above financial risks, policy risks, family potential risks and personal risks, multiple risks are superimposed, crushing families. The outbreak of this risk fully shows that PO owners have not thought deeply about the future of their families, and their awareness of risk hedging and risk prevention is not strong. As long as he can think more about one aspect and look up at the sky when he is working, this situation may not happen now.
Will the same tragedy happen to us? Some people do.
There are too many people around us who are not well-off in family conditions. After graduation, they work, buy a house and a car at the suggestion of their parents, get married and have children, mortgage pressure, family pressure, children pressure and old people pressure, and they are overwhelmed. They never think about the current economic level, whether the future plan can support such a family, and what if they encounter risks? Not to mention some rural feminism in China, the man who buys a house and a car bears it alone, lives like a lady and does not share the pressure.
If you find a girl who loves you, you are struggling in a first-tier city and your family conditions are not very solid. It is best for two people to bear the family pressure together and spread the risks together. I appreciate a little girl's teasing remarks: even if the man's income is higher, if I don't make money, I won't even have the capital to quarrel in the future.
If you are a boy, you should tell yourself that you can rely on your own hands instead of this platform. Your own hands are the most reliable iron rice bowl. You can work hard every day, but you must work hard in the right direction and think about your future plan to make yourself better and more marketable. This is a sense of security, not simply the pursuit of so-called stability. When trying to walk well, you might as well take time to look up at the sky.
There are risks everywhere in life, and the risks will be superimposed. Therefore, it is wise to think more about what is behind the risk and find ways to hedge or spread the risk. Don't push everything to your bottom line If you are not good at high risk and high return, it is wise to prepare for the worst at all times.
Of course, every generation has the pressure of every generation. Our generation may have high housing prices and class solidification, but this is not an excuse for us to escape. When we are young, we will be helpless, confused and anxious. It is because of these that we have youth. If all this is gone, maybe youth will be gone.
Dacheng Xiaopang is a senior product manager of Internet finance. Everyone is a product manager columnist, insisting on examining the Internet from the perspectives of business, humanity and data.