Every time the festival ends, some critical voices will inevitably appear on the Internet: “impulse consumption”, “moonlight”, “gnashing of teeth”…
These seem to be the labels of modern youth, but are they really the case?
It was not until I looked at the 2020 edition of the Post-90s Generation’s Savings Report released by the China New Economic Research Institute that I realized that this generation of young people is far from the “prodigal family” that people imagine.
On the contrary, they are financially conscious.
The report shows that 92% of the post-90s generation have a balance every month, and 80% of them manage their money with the balance!
Especially in this year’s special situation, they are more sensitive to “money” :
Have you found that when you think that everyone is the same “exquisite poor”, your peers have already passed you by financial management and lived a truly exquisite life.
If you keep your nose to the grindstone, he or she may earn a week’s worth of food in a day with the proceeds of the fund.
You may be afraid of “going bankrupt” when you go home during the Spring Festival. He or she may buy a new car for less than two years, relying on asset allocation.
You usually have to budget carefully when you buy a dish. He/she may take the high rate of return for years of financial management, and he/she will not hesitate to sign up for international kindergarten or interest classes for children…
I have to say, financial management, is the management of life.
When money is straightened out, life will follow.
But financial management, for some ordinary spark global limited people, there is indeed a threshold.
No principal, afraid of stepping on the pit
Does break-even finance really exist?
I’ve interviewed people around me who don’t have financial habits, and these are typical situations:
My 24-year-old cousin smiled. She had just worked for more than a year and wanted to try financial management, but her monthly income was just enough for her daily expenses, so she felt that she had no extra money for financial management.
Two years ago, xiaomei, a 29-year-old classmate, was recommended by her relatives to take part in P2P lending. As a result, the platform was blocked. She only got back 30,000 yuan of principal and lost 40,000 yuan.
Lin Jie, a 42-year-old colleague, keeps money in the bank all year round. Although she earns little, she feels that the bank is safe at least…
In fact, behind this group of people, explains a common problem:
It’s not that I don’t want money to grow. It’s just that I don’t know how to manage my money and I’m afraid of being cheated.
I would understand that, but it would be a pity.
Reprint indicated source：Shine Trader Limited Live information