人人都能成为百万富翁（Every man can be a millionaire）.docVIP

人人都能成为百万富翁（Every man can be a millionaire） Smart money: everyone can be a millionaire Financial experts tell us that the best way to manage money is not to pursue superior financial investment skills, as long as you have the right sense of financial management, and persevere, after a few years - - Every man can be a millionaire The first concept of financial management: Distinguish between investment and consumption Distinguish between investment behavior and consumption behavior. Ordinary people before consumption, there is no such concept, economics students will consider before consumption, this consumption belongs to investment behavior, or consumer behavior. First look at an obvious example: 10 years ago, a and B are undergraduate students, after 5 years of social work, coincidentally savings of 300 thousand yuan. 5 years ago, they spent the 300 thousand yuan. A went to Tongzhou to buy a suite. B went to buy a Audi. 5 years later today: A house, the market value of 600 thousand yuan. B used car, the market value is only 50 thousand yuan. Two peoples current assets are obviously different, but their income is the same, but also the same educational background, and basically have the same social experience, why is everyones wealth different? A buy money to buy a house is investment behavior - Qian Qishi did not spend it, just transferred in the house, and later still all their own. B to spend money to buy a car is consumer behavior - Qian Shihua out, to others, used car after 10 years, almost no worth. The car is different from the house. The house may have turned several times in 10 years. Second more examples: One day, my secretary asked me a question: Chen, I think the customer is a little strange.. She said: a customer to buy a concert ticket, 300 yuan, he was too expensive, hesitated for a long time, never buy, but a customer is not short of money.. But once, there was a famous enterprise president published a set of teaching management CD-ROM, 6 discs sold