How can the average salaried person achieve financial freedom?

I am an ordinary salaryman, and I have created a method of financial freedom.

In the first few years, try to save a little, let yourself have some savings, and then set up two bank accounts, one as savings and one as financial leisure, the savings account will not be touched when it is not necessary, and 30% of the salary will be put into the savings account every month.

70% of the monthly funds will be used as discretionary funds, which can be used for financial management or other consumption, and financial freedom will be achieved slowly.

The simple ones can be summarized as open source, throttling, and compound interest! Open source is to find a way to increase your income, such as adding a side hustle based on your strengths! Throttling is saving, don't spend impulsively, buy something that is not very useful, if you have to buy it, you can buy it again in two days.

Compound interest is to let the money roll over and learn more about financial management. It is not a dream to persevere in the long term and achieve financial freedom! <>

1. Work hard when you are young and constantly improve your work income.

2. Delay enjoyment, the growth of consumption level is lower than the growth of income level, so that the balance rate can continue to increase. Then use the balance ratio** for assets that can bring positive returns: such as a house with rental income; P2P income, interest on treasury bonds, dividends and income, income from **, etc.

3. Continue to work hard to ensure the balance rate (at this time, the balance rate is guaranteed on the premise of ensuring the quality of life); Continuing to return on assets that can bring positive returns.

The power of compound interest is huge, according to the above three cycles, as long as you ensure a certain amount of material desires, you can also be financially free!!

Financial freedom is really too difficult for an ordinary salaryman, the current salary level is average, but the expenses of various lives are too large, food, clothing, housing, transportation, and family, etc., so it can only be said that it is unrealistic to rely only on normal salaries to achieve financial freedom.

Perhaps proper open-source throttling can make the financial aspect a little easier. In addition to the normal eight-hour workday, you also need to think about how to earn more money.

Give up your ordinary job to start a business.

How can you achieve financial freedom without starting a business, heroes don't earn a lot of money, their wages are just a little, they pay their mortgages and car loans, and they can provide for their children to go to school, how much is left?

Even selling lamb skewers on the roadside is more profitable than part-time work, and the most important thing is that it is not capped and full of infinite possibilities.

Spending money is a technology", and this skill needs to be cultivated. The monthly salary can be divided into two parts, expenses and savings. It is recommended to save the money you want to save this month every month, do not move, and the rest of the money is used to spend expenses, so that you can simply realize financial planning, and the rest is only used to spend reasonably.

Then I am an ordinary salaryman, in addition to work, I have opened my own shop to sell clothes, business is still very good, I can earn extra money, yes, I don't delay work, and I can be financially free.

The practical approach is to learn to manage money and divide the salary into fixed expenses and financial income; Then work hard and strive for the opportunity to appreciate and get a raise.

It is impossible, for example, getting a monthly salary of 10,000 yuan is already the limit of ordinary working people, and it is impossible to achieve financial freedom by labor. For the vast majority of people, this is the case, and you will also find that even in first-tier cities such as Beijing and Shanghai, the annual income of one million is more than 90% of the workers. Because think about it, if we were the boss!

Your employees, management. If you give him a salary of thirty or fifty thousand a month, the requirements for him must be very high! He has to be a talented man in every way to be worthy of this salary.

Or a talent who can do all aspects of management, he can earn 50,000 yuan a month in a city like Beijing. What is the concept of a worker earning millions a year? It is a monthly income of 80,000 yuan, which is actually the top income for the working class.

But even so, even if you can make a million a year. Maybe it's just a down payment of 100 square meters for a house in Beijing in five years, and it's a house outside the Third Ring Road. You must know that this is the limit of working people, and it is impossible to achieve the freedom of wealth by labor.

Of course, this is also very reasonable, because migrant workers do not take the risk of the company, and that's why. Many entrepreneurs can't make money in the early stage, or even lose money, but are willing to spend more time and ability than workers and managers to continue to do it. Because as entrepreneurs, we clearly know that as long as we are willing to take this risk, once we make money, the money we make in a year will be the same as the money that others earn in ten years or even a lifetime.

For example, I lost millions in the first two years of my business, but in 2020, I did well, and the company's profit could reach 10 million in one year. Completely flattened the losses of the first two years, this is the wealth of insurance, I also call this risk compensation premium, because I have experienced the pressure, difficulty, and high intensity that migrant workers have not experienced at all, so once I succeed, this is what I deserve! Therefore, whether a simple person can make a lot of money sometimes has nothing to do with your ability, but depends on whether you are willing to take greater risks.

I think it's achievable, but it's hard. Everyone's definition of financial freedom is different.

In my opinion, financial freedom is not that you have tens of billions, or hundreds of billions, or even more, is not an exact number. Rather, your passive income will cover your daily living expensesI think it's about achieving financial freedom.

It was warm and comfortable. There's also a lot of gimmick stuff. See you in 2022, I'll be better in 2023.

Eat plenty of protein and get some rest. The best way to do it is to enjoy your youth. Unacceptable, marriage is only once in a lifetime.

Unacceptable. Life goes on, work hard, work hard like a trip. As a man, he was able to support his family and get home from work with a hot meal.

The wife is gentle and virtuous, the children are motivated and sensible, do something they like in their spare time, play games and see**. If you have money, of course, you can also travel, which is a man's happiness. As a woman, it is a woman's happiness to have a stable job of her own, so that she has the confidence not to reach out for money, her husband is considerate to her family, her children are filial, her family is harmonious, she is young and beautiful; Every type of person has their own sense of happiness, and I think this kind of happiness is not the same, just like Mr. Lu Xun said

The joys and sorrows of human beings are not the same, I just think they are noisy. Nowadays, people like to stand on the moral high ground to evaluate others. However, it is impossible for human individuals to empathize with these four words emotionally, because this sentence itself will be interpreted in the following way when understood in the current society:

1. Most of the time we don't care about the feelings of strangers at all, because this society makes everyone feel tired, and even if we want to care, it may be misunderstood as caring with other colors; 2. When we care about others, we don't actually understand the development of things, but we just try to understand from our own perspective, so we are undoubtedly creating a fake intimate relationship and trying to pull in the relationship with each other in this way; 3. If you connect everything with yourself, the weight you feel in your heart is indescribable.

For the vast majority of ordinary people, it is obviously impossible to achieve financial freedom by working, so it is an extravagant hope to achieve financial freedom through part-time work, mainly due to the following reasons.

First of all, the total wealth of society is relatively limited, if everyone can make a fortune and financial freedom through part-time work, then it is impossible for so many people to want to be the boss, after all, let themselves achieve financial freedom through part-time work, why let yourself worry about that, run your own business and bear so many risks and pressures In our current conditions, if you want everyone to achieve financial freedom, it is difficult to achieve it in any region and any country with only part-time jobs and labor. What we can achieve is to survive normally through part-time work and ensure that we have no worries about three meals a day.

In order to truly achieve financial freedom, in addition to self-agitation, it is necessary to have certain investment ability and professional skills, although we cannot deny that there are a small number of workers who have also made themselves financially free, but these workers often have skills that the vast majority of people do not have or are engaged in the industry, which is in the development of the times, which is not an opportunity that the vast majority of people can get, so for the vast majority of our ordinary workers, We should still adjust our mentality as much as possible and accept the facts as much as possible, only in this way can we continue to defend our lives in a good state.

To improve your financial literacy and achieve financial freedom, you need to allocate your salary wisely, and here are some tips that I hope will help you:

1.Make a budget: The first thing you need to do is make a reasonable budget to make sure you balance your income and expenditure each month.

You can divide your income into a certain percentage, for example, 50% for necessary expenses (rent, food, transportation, etc.), 30% for entertainment and other expenses, and 20% for savings and investments. This will ensure that your basic needs are met and that you have enough money to manage your finances.

2.Build an emergency reserve: Before you start investing, it's a good idea to set aside a certain amount of cash for emergencies, such as sudden illness or job loss. It is advisable to save 3-6 months of living expenses as an emergency reserve.

3.Diversified investment: When making investments, it is recommended to diversify funds into different fields and different investment varieties to reduce risks. You can consider investing in the fields of **, **, real estate, etc.

4.Learn about financial literacy: Learning and understanding financial literacy is very important and can be done by reading books, attending courses, and listening to advice from professionals. Understanding the trends and patterns of the market can help you make more informed decisions.

5.Determine your financial goals: Before investing, you need to be clear about your financial goals, such as buying a house, retirement, and educating your children. Having clear financial goals can help you be more targeted in your investments and planning.

6.Review and adjust your investment plan regularly: Managing your money is a long-term process that requires constant review and adjustment. According to market changes and changes in your own situation, adjust your investment plan and asset allocation in a timely manner to achieve the goal of financial freedom.

The above suggestions are only some basic ideas and methods, and the specific practice needs to be adjusted and planned according to the individual's situation.

The concept of "financial freedom" is basically bluffing.

People who can really achieve this level of income, such as hundreds of millions of assets, often already have a large industrial group, and they have been deeply cultivated in a certain industry for many years, and they have a large group of people to feed under their hands, and it is impossible to stop immediately. You made Fan Bingbing suddenly stop acting, singing, or variety shows; It is basically unrealistic for you to ask Wang Jianlin not to engage in the Wanda project and not to set big and small goals.

Even people like me who earn millions a year can't stop, and I'm afraid that if I stop, I miss the outlet, and I can't regret it in the future, let alone how they can stop making more money. If you don't stop, you'll never be free.

And people who can't do this level of income want financial freedom, and they can't think about it in vain, and they can't be free, it's purely YY.

In fact, people can never achieve absolute freedom, we will encounter a lot of is, a lot of troubles, a lot of struggles, some related to money, some have nothing to do with money, only part of the troubles can be solved by the so-called financial freedom. In addition, people always have to do something in their lives. It's like playing a game, without a goal, without a mission, the game will become boring.

So, choosing what you like to do as much as possible, and choosing to be with the people you like as much as possible, is already the greatest freedom you can strive for. When you really do this, you will enter the fast lane of life, and not only will your happiness in life increase a lot, but your earning potential will also increase a lot.

So instead of expecting financial freedom, it's time to find your interests and career orientation.

Here's how to gain financial freedom:

1. Have investment income, including dividends, bond interest and other market income; or by acquiring and renting out a property for rental income;

2. Maintain a certain amount of net assets, retain a certain amount of liquidity, and maintain its own liabilities at a low level.

3. Avoid blind investment.

Financial freedom refers to the state in which a person does not have to work hard for money for living expenses. In addition to meeting the normal daily living expenses, the passive income of the party can achieve most of the material goals of the person, and if the person enters this state, the party can be said to have completed financial freedom.