Working for 20 years and saving 100,000 yuan, why is it so difficult for ordinary people to make money?

As a lot of ordinary people in this world, there are only two ways for us to make money. One is to work for others and get some meager wages every month in exchange for our own time and energy. The other is to be your own boss to do business, suffer hardships every day, and mediate between countless customers.

But no matter what kind of money it is, making money seems to be a very difficult thing. We are also in the process of constant struggle, and we find that instead of more money, we have less money, and our life is not easy. So rich.

So why is it that society is developing and we seem to be making progress, but we have never been able to make money?

01 After working in the company for 20 years, the deposit is only 100,000

For the convenience of going to work, I found a rental building close to the company, and I usually go to work on foot. Although it sounds close, it still takes 20 minutes to walk on the road. Once, my boss bumped into me on the way to work, so he kindly took me to the company.

In fact, the situation of my boss is not much better than mine. Although he has a car to commute to get off work, it is only an electric car. He can only carry one person in the car, and he can't even take his family out for a picnic.

The boss is in his 40s and almost 50s this year. He has a happy family and his wife has her own job. It seems that the pressure is not too great. But on the way to work, my boss told me that his life was actually very stressful.

Although he does not worry about food and clothing now, he has worked in the company for more than 20 years and currently only has a deposit of 100,000 yuan. This amount of money is enough to support the family's livelihood, but once the children start a family and start a business, they will be too stretched. .

I was very surprised, because my boss is usually a very kind and honest person. Basically, he doesn't go to any banquets and has no bad habits. It looks like ordinary people, who only need to bear the daily expenses such as firewood, rice, oil, salt, etc., how can they only save 100,000 yuan in savings after 20 years?

Besides, I worked so hard in the company just to be able to climb to the position of supervisor. If I do climb to his position, will I be in the same situation when I get to this age?

02 Ordinary people, it is difficult to make money

1. Don't have the courage to make a move

For ordinary people, making money seems to be really a very difficult thing. Although it seems that we work every day, and every hour of work has a lot of hourly wages, but after those expenses every month, In fact, there is not much left, and there are only a handful of money that can be saved. But the more this is the case, we do not have the courage to make a foray, because we have no capital, and the money we have accumulated today may be spent in a short time. But if there is no such money, what kind of emergency happens in the family in the future, how will the family tide over the difficulties? Therefore, the poorer we are, the more we don't have the guts to go ahead and waste all our time and energy.

2. No capital to seize opportunities

It is said that in today's society, there are various ways to make money. As long as the opportunity comes, we firmly grasp it, then we also have the possibility of making money. But what opportunity does not require principal? What opportunity does not require us to toss with capital? In today's society, material desires are rampant, and most people act on the basis of interests. Without sufficient capital, even if the opportunity is in front of us, we may not be able to seize it. Even if we seize it, we may not be able to make some successes without capital, but may reserve our original The meager funds are tossed clean.

3. The character is too good, I don't know how to bargain with the boss for myself

There is another great reason why ordinary people can't make money. It seems that wages haven't changed much in decades. Even if they seem to have changed, the whole society is inflationary. It is also soaring, and perhaps the increase in wages may not keep up with prices. And most people are too weak in character, they dare not bargain with the boss, and they dare not fight for the interests that originally belonged to us. This situation will cause us to be more timid in doing things, and the funds in our hands will become thinner and thinner, and there is almost no possibility of making money.

03 Ordinary people have to do this if they want to make money

1. Save more money to have the capital to toss

After all, if we want to make money and seize the opportunity to make money, we must have the capital that can be tossed. So saving money becomes very important. Of course, saving money is a long process, because we have fixed expenses every month, after deducting these expenses, we should not have much money left. But it is precisely because of this situation that we have to work hard to save a little money from our meager monthly salary and make a fixed deposit. Saving a little bit every month, 1 year, 5 years, 10 years, this amount of money will continue to increase, and eventually it will become the capital for us to seize opportunities.

2. Improve your judgment, seize the opportunity when it comes

When we have capital, we need an opportunity. But opportunities don’t come as they say, not to mention that there are so many false information in the world today, and it is difficult for us to guarantee whether those so-called money-making opportunities are deceptive. Therefore, in the process of accumulating funds, we also need to learn to improve our judgment, look at how the people around us start a business and do business, and seek some experience from our predecessors, although these experiences may not necessarily be able to It can come in handy, but it can also lay a better foundation for us, so that we don't just watch opportunities slip by.

3. When you encounter something related to your own interests, you must strive for more

Of course, if you want to accumulate funds, the most important thing is to grasp your own interests at all times, and never give up what you originally deserve because of weakness. Especially in the face of those unscrupulous bosses, you must be tougher, resolutely safeguard your own interests, and don’t endure their exploitation all the time because you are afraid of the bosses. You must know that all the benefits are earned by our blood and sweat, and we deserve it. What's more, only when we win enough interests and save enough funds for ourselves, can we continue to fight for the capital.

It seems very difficult for ordinary people to make money. Even if we work for 10 or 20 years, there is still very little money in our hands. But at this time, the more we can't give up, we must save some money from our monthly salary as the principal of our own venture. When the opportunity comes, use these capital to seize the opportunity and fight hard. Don't settle for the status quo and let yourself lose the motivation to fight.