America’s Big Hero

Reading, exercising, traveling, studying, internships, research certificates, etc. are all personal investments. From a business perspective, let’s first discuss the difficulty of monetization, that is, how much money you can make after doing this, and whether you can make money . A statement in advance, the following examples are all considered from the perspective of probability, do not talk about any examples.

Fitness: The benefits of fitness are healthier body, less illness, longer life, wider social network, more friends, regular life, diet control, good body shape, more self-confidence, good spirit, high efficiency, etc., which are most related to capital The most important thing is less illness, saving medical expenses, and less pain when you get old. From this perspective, fitness is a long-term investment in future injuries. This attribute is the same as insurance. If you start exercising now, it is equivalent to buying An insurance policy, so fitness is a capital investment that can be cashed in. In addition, fitness should be a long-term investment, not just a twitch, a fitness annual card, and then a total of two visits. For young people, fitness does not necessarily require money. Playing basketball, badminton, and running are all free investments. Let’s take a look at the return on investment. The return on investment of fitness is more difficult to estimate because it has multiple attributes and benefits. For obese women, fitness also comes with weight loss, beauty, self-confidence and personal charm to find the attributes of being rich and handsome. His overall rate of return should be higher than that of purchasing endowment insurance. The return on assets of insurance is generally 6%, so the return on assets we give to fitness is about 8%. This is really a high-return investment, so everyone must To keep exercising.

Reading: Many people can only vaguely feel that reading more books is always good, no matter what kind of book it is. In fact, reading is also divided into categories. I simply divide books into professional books and non-professional books. For a programmer, professional books are C language, C++, JAVA, etc. For financial dogs, professional books They are floating exchange rates, financial costs, risk management, etc. Non-professional books are literary novels, Tang poetry and Song Ci, and the easiest way to realize professional books is to help you find high-paying jobs, promotions and salary increases. It is easy, and the return on assets is extremely high. If you invest in this way, you should be able to keep up with Zhihu's average return on assets. There are 20% annualized return on assets with the worst qualifications. Another feature of reading professional books is that the rate of return is high in the early stage and low in the later stage. When you just graduated, your salary is only 5,000, and it may be 20,000 in two years, and it may double again in a year. After reaching a certain bottleneck, it will be difficult for the rate of return to increase. For non-professional books, it is extremely difficult to monetize. How many literature books do ordinary people have to read to be able to talk about fragrant orchids? From the perspective of capital, the return on investment of reading non-professional books is too low, and the annualized rate of return is only 2% at most, so you can't read books blindly. Of course, some friends regard reading as a hobby, and getting pleasure from it is another matter, at least they have gained entertainment returns.

Travel: Fortunately, in the past two years, when Dabing, Zhao Lei, Pu Shu and other singers became popular a few years ago, there was an atmosphere of traveling everywhere in the literary and art circles, making it seem that traveling once can cleanse the soul and empty everything. Since then, it has been sublimated, and all major mainstream groups have a feeling that if they don't travel, they are stupid, and they even want to leave everything behind and go out for a trip. In my opinion, if the soul has no home, it will be a wanderer wherever it goes; You must have your own cognition in everything you do, otherwise you will be the shadow of others all your life. The realization rate of travel is also extremely low, and the rate of return on assets is not easy to estimate. The biggest function of travel is to let go of the life around you for a short time, to be able to let go of yourself and enjoy the pleasures of the world. Strictly speaking, travel should be a spending activity, which is a negative ROI campaign. If you can hook up with a girlfriend while traveling, and have a relationship, brother, you will make a lot of money.

Falling in love: This is generally a loss-making business, but from individuals to families, it is a process of sacrificing each other in exchange for new dependence and joy. Now more and more people are unwilling to sacrifice their own character, economy and patience. There are more and more non-marriage doctrines. In addition, being able to fall in love and being willing to talk are really two different things. Don't classify being single as not wanting to talk, in case it is ugly.

Judging from the above, these hazy investments are not as good as imagined. Buying Yu’e Bao casually can earn a rate of return higher than that of reading non-professional books. If you work hard, the rate of return can exceed fitness. Choose the right stock Maybe it can surpass reading professional books. Therefore, most people underestimate the power of financial management and overestimate the rate of return on investing in themselves. In addition, learning how to manage financial management is not considered investing in yourself. This is also a kind of professional knowledge learning. If you increase your professional study in the early stage, you can quickly accumulate the principal, but when the principal is small, you can master the ability to manage money, and when the principal is large, you can clearly understand various investments. Wouldn’t it be better, especially for The class with spare money in the future is also the class that is most likely to be deceived. The middle class has lost the most in the 15-year bull market. No one can resist the temptation of the bull market. Learning risks early is the correct posture for financial management.