Money Secrets and Laws

   A young man in his early 20s came to a friend’s psychological counseling office, trying to cure his bad habit of lacking self-discipline. Young people keep saying that they want to change their behavior of not being able to save money and spending money without restraint, but they attribute the reason to the fact that there are too many temptations in this society and they are unable to discipline themselves. He has realized many times that if he spends more money, he will make ends meet and become destitute, but he has never made a reasonable plan to save money for himself.
   He thinks that he lacks self-discipline when he goes shopping, he always rushes to pay when he eats, and he can’t control the rewards while watching live broadcasts, but even if he controls himself not to do these things, he still spends money like water. So, the youth concluded by himself: I probably have a disease, such as a personality disorder or something. He especially wanted the consultant to give him a good medicine right away, and he would take the medicine until the disease was cured.
   A friend said: “After my diagnosis, I found that he is not sick, nor lacks self-discipline, but his understanding of money is almost zero. He only knows that he can’t make ends meet, but he doesn’t realize that his habit of spending money has not been cultivated since childhood. “It turned out that the young man grew up in a very wealthy family, and his parents were always there for him. After high school, he used as much money as his parents gave him, and there was no concept of savings. After going to college, his parents’ business failed and the family couldn’t make ends meet. When he could no longer satisfy him arbitrarily, his financial shortcomings were immediately exposed: he didn’t know how to save money or make money, but he developed the habit of spending lavishly.
   Thanks to the painstaking cultivation of his parents, he has excellent grades, outstanding talents, and excellent abilities. He graduated from a famous school and has a decent job. He could have lived a good life, but because of his bad habits of using money, no matter how much money he earns, it seems like a ghost. , the money will be spent as soon as it arrives, and if you have money in your hand, you will treat guests to dinner. After 3 years of graduation, you will still be a “moonlight family”. Because he didn’t know money when he was young and didn’t know how to spend money when he grew up, his money luck was extremely poor, and colleagues with the same ability were paid more than him, which made him feel isolated from the world. He was very distressed and attributed everything to his low psychological quality, but he never thought about it: his problem was not his lack of ability to make money, but his low financial quotient.
   I have a college classmate, and it’s a pleasure to watch her spend money. Going shopping together, I only had 30 yuan left on me, and I didn’t dare to use it after I bought two bowls of noodles. After the meal, she asked me if I wanted to sing KTV. I shook my purse to show that I was shy. She took out the card bag, shook it open, and handsomely dropped a long string of coupons, discount cards, and VIP cards. With one of the cards, she took me to sing on KTV all night for only 10 yuan.
   In the past two years when Wechat business was the most popular, I often saw her collecting likes in the circle of friends. What she shared in the group was either a coupon that you save by clicking on it, or a discount card for sending gifts. But everyone, including me, thought that her family was not in good condition, and they were more tolerant of her begging for praise.
   Until the Spring Festival of one year, when I sent New Year’s greetings on WeChat, I found that she was eating seafood in a star-rated hotel. I asked her excitedly: “Where did you get the coupon?” She said: “It’s not a coupon, I bought it. This year If you do a small business, you can get some dividends at the end of the year, and you can invite customers to have a meal.” A student who has not graduated from university learned to do business, and a year later, he actually paid dividends at the end of the year, if he hadn’t seen her art of spending money with his own eyes , I don’t believe it at all.
   When we met again, she took the initiative to chat with me. She is the daughter of a businessman. She opened a shop at home when she was a child. Every morning, her mother would ask her to walk around the nearby business district to see what everyone was selling and what the prices were like. Summarize it to my mother, and my mother will adjust her business according to the information she brings back, and will tell her the analysis process. “I grew up thinking that making money is fun, and the process of making money is fun. You guys are keen on shopping, I’m keen on counting money, we have the same mood, but the results are different.”
   I found that taking the opportunity Most of them are people who do not pay attention to the spirit but understand human nature; those who make easy money are mostly ignorant and fearless people. Why is this so? I didn’t understand the mystery until I saw this sentence in the parenting and financial management book “Puppy Money”: Money has its own secrets and laws. To understand these laws, the premise is that you must really have this desire.
   People who like money from the bottom of their hearts don’t necessarily rack their brains to pay attention to how to make money, but because they think making money is interesting from the bottom of their hearts, they can always follow the flow of money.