Recently, people often ask me: If you don't have children and spend very little, why do you save so much money? For whom to leave flowers? Let me know your thoughts in the comments!
I actually envy the people who ask these questions.
This indicates——
Either the economic downturn in the past two years has had little impact on his income;
Either he doesn't have much debt and doesn't have to carry heavy burdens to move forward;
Either someone can help him find a way out, it doesn't matter if he runs out of money.
I am exactly the opposite.
There are several mountains of different sizes in front of me, one for mortgage, another for future house decoration, and another for elderly care and medical treatment. Let me know your thoughts in the comments!
I haven't even climbed over the first mountain yet, and I'm still working hard to pay off my mortgage.
You see, the problems facing us ordinary people who have no one to rely on and whose income is affected by the overall environment are very practical. Don't forget to share your experience!
And the answers to these questions are also very consistent: having money is enough.
So, how much money is enough to save?
People often ask online: How much deposI've found that it's considered qualified for xx years old?
I can't answer this question either.
However, we can change our approach.
Actually, whether we save money or spend money, it's all for a happy life!
The happy life in the eyes of children is - no homework, games to play, food and drink, and... a loving family. Let me know your thoughts in the comments!
What is your perception of a happy life? Have you tried to think about it?
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1) Will you be happy if you can't guarantee food and clothing?
I will definitely feel unhappy.
It is difficult for people to have the mood to experience what happiness is once they have to worry about three meals a day and rent and housing loans. What do you think about this?
So, after solving the current problem of food and clothing, I also hope to ensure the future of food and clothing. Let me know your thoughts in the comments!
How much is the appropriate amount for this security deposit?
Some people say the living expenses for six months to a year.
Having experienced the economic downturn in the past two years, there is currently no sign of takeoff. I believe that a six-month to one-year living allowance is not enough. Have you tried this before? Share your story!
I prefer to have a living allowance of about 3 years.
In this way, even if the situation doesn't get better for a while, we don't have to panic so much.
The book 'Millionaire Next Door' states that wealthy people will have at least 10 years of living security in their hands, and even in a state of no income, their lives for the next 10 years will not be affected. Let me know your thoughts in the comments!
It sounds very reassuring. Indeed, when an accident occurs, those who are least affected are those who are prepared.
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2) Will you be happy without health?
I can't.
I still can't forget the discomfort I felt when I got sick and hospitalized more than a decade ago, and I deeply understand what "no zuo no die" means. Let me know your thoughts in the comments!
So I value everything related to health very much.
Even willing to sacrifice a little bit of happiness in the present, such as eating less delicious processed foods, or staying up late to read novels no matter how good or fun the phone is Let me know your thoughts in the comments!
In exchange, it brings a long-lasting and sustainable happy and healthy life.
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3) Will you be happy without leisure time?
I can't!
2018 was the year I earned the most money and also the year I was most anxious about.
That year, I had almost no leisure time.
Whether it's at night, on weekends, or while traveling, I'm always thinking and dealing with work-related matters.
I can feel like I'm almost being drained.
I used to love writing very much, but I also started to dislike it.
The author of the book "The Poverty of Time" said that if the daily disposable time is less than 2 hours, the sense of happiness will be greatly reduced. Don't forget to share your experience!
The so-called disposable time refers to the time spent on what one wants to do.
For example, watching a TV drama to relax; Do some exercise and stretch your muscles and bones; Take a walk and chat with family and friends to soothe your heart Let me know your thoughts in the comments!
We need leisure time to do things we enjoy in order to feel happiness in life.
And saving money can bring us leisure time.
This is also one of the reasons why I enjoy saving money. I want to buy myself more free time and not be forced to work hard for a living. Let me know your thoughts in the comments!
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4) Will you be happy without respect?
I can't.
My friend stayed at home full-time for several years because there was no one to help take care of the children. Have you tried this before? Share your story!
She said that every time she reaches out for money, she feels like it depends on the person's expression.
Full time housewives contribute no less than those who work outside, but their efforts are often overlooked.
Since we can't change others' thoughts, we can only compete for some energy ourselves.
Don't give up your job casually, or we can have no job, but we cannot have no income.
I also worked full-time at home for a few years, but because I didn't have a job and had income, my husband would greet me with a smiling face every day when he came home: Are you tired? You rest, I'll do the housework. Have you tried this before? Share your story!
This is the reality of the world, if you have the financial ability, you will be more respected.
Just keep asking yourself and make your own happiness list, starting from the most important ones.
How much savings are needed to be a happy person, and you will have the answer in your heart.
