Finance and commerce
“Eh, isn't it deceptive for you to give away a share of Apple for 10,000?”
“There's no free lunch in the world!”
“I don't have much time to invest in this right now. Recently, I've been busy with church activities”
“My mom is responsible for managing my finances and advises me not to participate in activities”
“It's a problem for my family to eat, big and small. Where is 500 yuan?”
“I can't do it, why don't you help me make a deposit”
Before I knew it, I had been a new MOOMOO user for a month and a half. During this time, I not only enjoyed many discounts, but also received a share of Apple as a reward. When I think back to when I first entered the investment world, my friends always left words like this: “You will develop well in the future, don't forget me, remember to fly with you.” However, when I shared the offer with friends around me, they didn't seem to care, and some even thought it was a scam.
This made me think about changes in people's attitudes towards investment and financial management. In the past, investing was seen as an “opportunity” and a shortcut to wealth, so friends were willing to encourage and support it. However, with the passage of time and changes in society, people's views on investment have gradually become more cautious. Especially when faced with all kinds of online scams and scams, people are more careful and don't want to easily trust so-called offers and events.
What is even more regrettable, however, is that many of our friends and compatriots are not healthy in terms of financial management. Even if they were to get a free Apple, they couldn't pay 10,000 yuan, and even 500 yuan was too much for them. However, they spend far more than this 500 dollars in their daily lives. For them, a 25 yuan meal of lamb briyani is already very cheap, and they even often satisfy their desire to spend by calling Zus coffee takeout. With this financial concept of “earn today, spend today”, how can they improve themselves and become a wealthy family?
This phenomenon reflects many people's biased perception of the value of money, putting consumption and pleasure at the top of their financial planning while ignoring the importance of long-term financial soundness. They are used to instantly satisfying their desires while ignoring the long-term benefits of accumulation and investment. Therefore, if you want to change this situation, you first need to review and adjust your consumption habits.
As a migrant worker, my income isn't high, but it's not low; basically, I can be considered a “moonlight person.” Every month, spending on necessities such as mortgages, household expenses, internet expenses, gasoline, utilities, etc., accounts for more than half of my salary. 80% of the remaining disposable income was invested in stocks and funds, especially dividend investments, which gave me additional passive income. Although many investors believe that dividend investing can't build up wealth quickly, I have a different opinion. For me, investing is a long journey, and I prefer a solid return on investment rather than risky speculation.
Wealth accumulation is not achieved overnight; it is through continuous investment behavior that stable and continuous returns can be obtained in the future. Therefore, I chose dividend investing as my main investment strategy. Although dividend investing may not accumulate wealth quickly, it can provide me with a continuous passive income and add a stable guarantee to my financial life.
Here, I would like to extend my sincere blessings and encouragement to all investors who choose to invest in dividends. We may not be on a path full of excitement and rapid prosperity, but we have chosen a steady and lasting way to invest. This is not alone; it is full of wisdom and persistence.
“There's no free lunch in the world!”
“I don't have much time to invest in this right now. Recently, I've been busy with church activities”
“My mom is responsible for managing my finances and advises me not to participate in activities”
“It's a problem for my family to eat, big and small. Where is 500 yuan?”
“I can't do it, why don't you help me make a deposit”
Before I knew it, I had been a new MOOMOO user for a month and a half. During this time, I not only enjoyed many discounts, but also received a share of Apple as a reward. When I think back to when I first entered the investment world, my friends always left words like this: “You will develop well in the future, don't forget me, remember to fly with you.” However, when I shared the offer with friends around me, they didn't seem to care, and some even thought it was a scam.
This made me think about changes in people's attitudes towards investment and financial management. In the past, investing was seen as an “opportunity” and a shortcut to wealth, so friends were willing to encourage and support it. However, with the passage of time and changes in society, people's views on investment have gradually become more cautious. Especially when faced with all kinds of online scams and scams, people are more careful and don't want to easily trust so-called offers and events.
What is even more regrettable, however, is that many of our friends and compatriots are not healthy in terms of financial management. Even if they were to get a free Apple, they couldn't pay 10,000 yuan, and even 500 yuan was too much for them. However, they spend far more than this 500 dollars in their daily lives. For them, a 25 yuan meal of lamb briyani is already very cheap, and they even often satisfy their desire to spend by calling Zus coffee takeout. With this financial concept of “earn today, spend today”, how can they improve themselves and become a wealthy family?
This phenomenon reflects many people's biased perception of the value of money, putting consumption and pleasure at the top of their financial planning while ignoring the importance of long-term financial soundness. They are used to instantly satisfying their desires while ignoring the long-term benefits of accumulation and investment. Therefore, if you want to change this situation, you first need to review and adjust your consumption habits.
As a migrant worker, my income isn't high, but it's not low; basically, I can be considered a “moonlight person.” Every month, spending on necessities such as mortgages, household expenses, internet expenses, gasoline, utilities, etc., accounts for more than half of my salary. 80% of the remaining disposable income was invested in stocks and funds, especially dividend investments, which gave me additional passive income. Although many investors believe that dividend investing can't build up wealth quickly, I have a different opinion. For me, investing is a long journey, and I prefer a solid return on investment rather than risky speculation.
Wealth accumulation is not achieved overnight; it is through continuous investment behavior that stable and continuous returns can be obtained in the future. Therefore, I chose dividend investing as my main investment strategy. Although dividend investing may not accumulate wealth quickly, it can provide me with a continuous passive income and add a stable guarantee to my financial life.
Here, I would like to extend my sincere blessings and encouragement to all investors who choose to invest in dividends. We may not be on a path full of excitement and rapid prosperity, but we have chosen a steady and lasting way to invest. This is not alone; it is full of wisdom and persistence.
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小孔雀 : Cheer together