Just like this epidemic, after the epidemic, many people have tight money bags and can't resist risks without jobs!
How do ordinary people improve their ability to resist risks?
1. Open source and reduce expenditure, and put aside identity, status and face for the time being.
2. Do subtraction and do more things that are closest to income.
3. Create a back road for yourself. The sideline may sometimes earn more than the main business.
4. Purify your circle of contacts, discard all things that waste energy, and focus on one thing.
Ten times the energy to improve their professional learning ability, including eight hours or more of spare time, to make themselves more substantial and valuable is the king of life.
How do ordinary people improve their ability to resist risks?
We can start from several aspects. What is family economic reserve? What is your business ability? The most important thing is how is your physical condition?
1. Prepare sufficient emergency and living funds.
Many people think that financial management means buying stocks and funds. Personally, I don't think it is necessary to do this at all, although the method they adopted when they first entered the financial management was more radical, and they took the measure of fixed investment in the selected fund as a means of saving. Looking back now, I feel that I was very lucky at that time, and the time period I chose was acceptable. After work in 2065438+2009, it was found that this operation mode had low anti-risk ability. Therefore, in the process of operation, it can be said that it is a conscious clearance, and it is invested in the term, bonds and money funds.
When I was isolated at home at the beginning of the year, I didn't panic at all, because I knew very well that even if I lost my job, I could spend at least three months safely.
Generally speaking, it is recommended to keep the emergency and living expenses for about 3-6 months. After this real risk, my personal emergency fund reserve will increase from 3 months to about 12 months. This is why you don't panic when you have surplus food at home.
2. Improve your business ability.
Many people feel that the economy is not good, and they start to panic and feel that life is hopeless. Instead of spending time worrying, think about the skills they are good at. I really don't have any specialties. Think about what can be improved in your current job.
Every position can be replaced, which is good, but the cost of replacement in every position is different. It is very low to find someone casually in some positions, and the probability of being replaced is very low. If your position is ordinary and you have no skills, what can you do in the company? Even if the boss wants to change people, he has to consider the labor cost, right?
Every era has a crisis. Is it a crisis? Or a machine? It depends on our own choice!
Health is the capital of revolution.
A good figure can ensure that you have an advantage in the competition. All financial management, investment and income are based on the need to have a healthy body to enjoy, except health, nothing else.
Like this epidemic, the best medicine is our own resistance!
Three points:
First, improve learning ability.
The future will be a more changeable era, the speed of knowledge depreciation is constantly improving, and the content being studied at the moment may soon depreciate. Therefore, having a certain learning ability so that you can quickly acquire new content to cope with sudden changes in the environment is the basis for improving your ability to cope with risks;
Second, increase income channels.
In the days when the novel coronavirus epidemic was raging, the fragile cash flow made more people see that it was really a very unreliable thing to make a living only by the salary of a job, with a very high risk factor. If we don't face this problem directly, we will have to do something we don't want to do under the sudden change of economic environment. Regarding income channels, I would like to make the following three suggestions:
1. Increase the income from your work as much as possible (for now);
2. Find a hobby you like and develop it into a sideline (to cope with the sudden future);
3. Learn to manage money and use Qian Shengqian (for the long-term future);
Third, buy an insurance policy.
To be honest, I used to be quite averse to insurance. But during the epidemic, I really had the idea of buying insurance: during that time, I was worried about what I would do if I was unfortunately infected with the virus, and something worse happened during that time. My eyes fell badly for no reason. I was thinking, God, I shouldn't die like this in 2020, right? So, if you have similar concerns, I suggest you buy an insurance!
Save money.
Money is king, and only when you have money can you feel safe. Epidemics, economic crisis, unemployment, diseases, and most natural and man-made disasters need money to carry them through.
It is necessary to completely change the consumption concept of contemporary young people. Don't think that spending money on brand-name luxury goods is investing in yourself, mostly just to satisfy your vanity, without appreciating yourself, which has higher market value. Of course, if you spend money to study, it is ok to learn a major or improve your professional ability. If you are strong enough, you won't lose your income completely even in an epidemic. However, I believe that such a strong person will definitely not be a moonlight family, and there will definitely be some savings in his hand.
Don't be jealous, don't complain, don't spend too much; In the face of any difficulties, we should keep an optimistic attitude, make friends with reliable people, and do our duty ... these are simple truths, and they are commonplace truths. If we do, we will benefit for life.
I didn't say that. Charlie munger said.
But I like this sentence very much You can see it every day when you turn on your mobile phone.
In fact, regardless of good times and bad times, there will always be opportunities to do what you should do. Do things seriously and do things practically. However, many people don't understand.
Don't try to take shortcuts, slow is fast.
We are ordinary people, as long as we don't cause trouble, the risk is small. Those who have great careers and property are also at risk. Ancient emperors were more risky. Think like this: I am so ordinary, how much risk can I have? As a result, the mentality is peaceful and the ability to resist risks is improved.
Talk less and do more, you will get something for nothing, and there will be no pie in the sky. There are good things that others have already met, and it will be your turn?
Your question is too vague. What the hell do you mean? Do you mean viruses or high-altitude sex work? If it is a virus, then we ordinary people may not know and can only see a doctor. If it is a high-risk job, it must be completed. Just try to be careful at work to avoid accidents.