Before commenting, let's take a look at this article, which is less than 1,000 words, but integrates a number of hot topics in the media, such as the mid-life crisis, high real estate prices, the class leap, the two-child policy, and housewives, and is able to catch fire for a reason.
The original article is as follows, I marked some key points, we pay attention to it:
After reading the article, I think he has been considered a very good seniors, but a and the popular saying is very applicable to him: Tactical diligence, lost to strategic laziness.
What is strategic laziness? Not taking into account the risk of stacking, the delusion that this speculation can realize the class leap. I'd like to take this opportunity to talk about some of my thoughts on where he's going with this.
① The pressure of the leverage of the second suite of financial risks
The author of the article pointed out that the two sets of mortgage plus mortgage loans on 30,000, their salaries to pay the mortgage, bonuses to subsidize the family has actually been almost the same. Yes, buy a house when the math is good, but this has been considered a family forced to the last line, if any one of the crisis in life, the whole family will bear a huge pressure.
② two children and his wife is a housewife to bring financial pressure
First of all, training children is a long-term investment process, the child on the elementary school, secondary school is also a great expense, and even will not consider studying abroad, so the first baby future has not been thought through clearly under the birth of a second child, in fact, this is their own double pressure on themselves.
The wife is a housewife, then the only source of economic resources at home is the husband, I admire the husband's sense of responsibility for the family, if you live in the three or four lines of the small city wife as a housewife will be a very moist life, but in the north of the three cities, such a high cost of living, a middle-class family, if both parents do not have a solid savings before, then the two little couple must be Struggle together to have a relatively high quality of life, if you just rely on the income of one party, nowadays society is changing so fast, it is easy to cut off the whole family economic source at once.
③ not taking into account the potential dangers of national policy
In the buy two suites, but also Shenzhen real estate hot time, this time last year, your real estate appreciation sell, takeover countless, but who knows that this is a pit of fire, this is a deformed market, but in order to make money are jumping in, the state out of the control policy, the real estate cooled down, no door to sell, and finally can only be their own! The first thing you need to do is to get rid of it.
④ did not take into account other potential family risks
Of course, there are many factors have not been taken into account, such as the child is sick, above the four old people sick problem, their own possible accidents and so on, these are to be the two core family backbone to bear, these for the middle-class families, there may be a devastating blow. In the current family conditions, you can not tolerate a little accident, can only ask for a good year.
⑤ In the final analysis, the loss of their own
Look at the PO main this person, PO main in a large company to work, 10 years + experience, was fired surprisingly can not find a monthly salary of more than 20,000 jobs? This is Shenzhen hey, not three or four cities ah.
And then look at the PO said that the main out of the executives, interviews are relatively few, in the company never dare to slack off, can work overtime, can go early to go early, the leadership of a little dissatisfaction, on the tension for many days, for fear of losing their jobs. This has shown that the PO master has been seriously dependent on such a platform, there is not much of their own career planning or the ability to look at the big picture, struggling for 10 years +, but also did not do in the company's senior positions, otherwise it will not be so wretched, so in the work of the ability to also want to put a question mark, the so-called effort in your mouth is really just tactical diligence.
From the above financial risk, policy risk, family potential risk, personal risk, multiple risks superimposed, crushed the family, the outbreak of this risk fully reflects the PO master of the family has been the depth of their own future thinking is not enough, the risk of hedging, the risk of preventing the awareness is not strong, as long as he is able to think a little bit more in a certain area, their own good work, be able to raise their heads to look at the sky, may not appear in this situation. The first thing I'd like to say is that I don't think it's a good idea for me to be a part of this.
The same tragedy could happen all around us? Some people do.
Too many people around us, their own family conditions are not solid, after graduation, work, in the parents of the ear under the order to buy a house, buy a car, get married and give birth to children, mortgage pressure, family pressure, child pressure, the elderly pressure pressure to pressure to gasp, never think about the current economic level, the future planning can not hold up such a family, once encountered the risk of what should be done? Not to mention some of the Chinese idyllic feminism, buy a house to buy a car man single-handedly bear, do not share the pressure not to say but also to live a noblewoman like life.
If you find a girl you love also love you, you are struggling in a first-tier city, the family conditions are not very solid, the two best to be able to bear the family pressure together, together to spread the risk. There is a little girl flirting with a sentence I very much appreciate: even if the male income is high, if I do not earn money, and later even the capital of the fight is not.
If you are a boy, you should tell yourself that you can rely on your own hands, not the platform, their hands are the most reliable iron rice bowl, you can work very hard every day, but must work hard on the right direction, try to think about their own future planning, so that they become more excellent, more market value, so that a sense of security, rather than the simple pursue the so-called stability. When you try to walk the road under your feet, you may want to take a moment to look up at the sky.
Life is risky everywhere, the risk will be superimposed, so more to think about the things behind the risk, can not find risk hedging or diversification of risk, do not put everything to the bottom line, if you are not good at high-risk and high-yield people, it is also wise to always be prepared for the worst.
Of course, every generation has its own pressures, and our generation may have high house prices and class solidification, but that's no excuse for us to run away. When we are young, we will be helpless, uncertain, confused, anxious, and it is because of these that we have youth, and if these are gone, perhaps youth is gone.
Big City Fatty, senior product manager of Internet finance, everyone is a product manager columnist, insisting on business, human nature, data from the three-dimensional review of the Internet.