Rural life in America

Chapter 73 Future spending plan

During dinner time, my father came back from herding cattle, and the whole family was in the restaurant. Zhang Hao can naturally discuss some things with his parents at this time, about making money and spending money.

Zhang Hao said, "Mom, we made a lot of money this year. I roughly calculated it. The money we made this year has exceeded 300 million U.S. dollars, but basically all of it was spent on investment. out on the ranch."

Zhang Jianye didn't understand what the youngest son meant by saying these things. He probably knew how much money the youngest son had made this year, but he was still shocked when he heard the youngest son say that.

Thinking about it, this is really the case. The youngest son has earned more than 2000 million yuan this year, which is not counting helping Zhang Lei earn more than 100 million US dollars!
Seeing his parents looking at him, Zhang Hao said, "Basically all the money we earned this year was spent on the ranch, buying land, buying horses, and doing construction. What did we add to our family? Two cars, A massage chair, home appliances and furniture are relatively average, neither high-end nor bad, basically that’s it.”

Yu Xiu asked strangely: "It's good like this, we don't need anything now. The money we earn is spent on the ranch, and we will earn more in the future. It is better than depositing in the bank. The bank interest is not high, and we are afraid that the money will depreciate. You can't spend money like crazy, no matter how much money you have, you can't afford to lose money. But you are a young man, you need to buy a better car to decorate the appearance; Phil and Barney don't drive as good a car as you make, I If your son is so promising, he still needs to buy a good car, not to mention you have a date."

Zhang Hao was embarrassed, and he said that these were really not for his own money.

So he continued to explain: "I thought about it for a while, the money we are earning is not bad, we have to start thinking about improving our lives. The house we live in is a bit old and small. If we have money, we will definitely change it. For a bigger house, it’s better to build a villa directly on the lake.”

Zhang Jianye agrees with this point, so he nodded and said: "This house is not bad, but if you have money, it is better to build a small villa. Our ranch has a good view, and it is comfortable to build a villa by the lake. This house, It’s too typical a farmer’s cabin, and no one can live in it.”

Zhang Hao nodded straight, and must agree, "Yes, let's build a better villa, and then we can have a recreation room, a home theater, or a swimming pool. Although we are in a ranch, it is better to have a real lawn at the door. It is suitable for Xixi to play with the white lions at the door."

Yu Xiu laughed and cursed and said, "I think you just made some money and don't know your last name, and you still have a swimming pool! I think a home theater and a lawn are almost enough. You really plan to make it a big mansion. You If it’s really expensive, it’s better to build a small dock and buy a yacht as soon as you leave the house.”

Zhang Hao nodded and said excitedly, "Yes, I have such an idea! Our house can be built bigger, and five bedrooms are not too many. Our family will be at least three. If I have children in the future There must be rooms, and of course there must be guest rooms. There must be a study room, a game room, plus a kitchen and a bathroom. It’s definitely not worth [-] square meters. It’s good for us to build a duplex villa.”

Yu Xiu frowned, and asked, "Then have you thought about how much it will cost you to do this calculation?"

Zhang Hao doesn't know how much he will spend, but it's definitely not cheap, "It's really hard to say, we are self-built houses, so it will definitely not be as expensive as some sea view villas or high-end communities, but it will definitely cost two to three million US dollars. more than."

Zhang Jianye immediately said, "There are too many, how can we spend so much money to build a house!"

Zhang Hao shook his head, he thought it was really not much, and he could afford it, "Dad, Mom, it's really not much. Think about it, our new house is built and we will live in it all the time. If you don’t move, you’ll be on the ranch. So prepare everything you need to think and prepare in advance, otherwise it will be troublesome to expand in the future. Money is not a big problem, horse racing can make a lot of money every year, and the ranch can also produce some output.”

Yu Xiu was still a little bit reluctant. It would cost millions of dollars to build a house, which was too scary, "That's too much. Even if our family has some money now, we can't spend it like this. Even if you make some money now Money, you can make money in the future, but our family’s investment should continue, we can’t spend a little money immediately, we have to save a little.”

Zhang Hao said very seriously, "Mom, I really don't worry about making money. We can make money. Making money is to enjoy life. We can't always have money and live a tight life. The shelf of the ranch and the horse farm is set up. Even if there is, there will not be too much investment in the future. Therefore, the next stage is to improve life."

Zhang Jianye thought for a while, and then said, "Everyone wants to live a better life, but I'm still not willing to spend so much money."

Sighing, Zhang Hao stared at his father and said, "Old man, my son is rich now! We are all rich now!"

Yu Xiu laughed and scolded, "Rich people don't spend money like that, and they don't use up all the money in the account when they buy a house. You can build a house if you want, when we have millions or thousands in the account It will be built when it costs [-] U.S. dollars. What I mean is to save some money for emergencies, or you will have no idea.”

Zhang Hao knows that even if the family has made some money now, there is no shortage of money. The consumption concept of his parents has changed a little.It's just that in the end, they haven't fully adapted to the things they have become rich people, and they are a little worried about their future income.

For further persuasion, we have to use a trump card: "Then what will Christina and I do? I will take Xixi to her house on Thanksgiving, just to meet the parents. According to the current development of Christina and I, maybe when we will Talk about marriage. Her family’s financial situation is also good, middle class. If her parents see our house like ours now, they will definitely have a problem in their hearts.”

This trump card is indeed effective, although Zhang Hao's parents also know that many young people in the United States may not necessarily ask to buy a house when they get married.However, as parents, they definitely hope that their children will have a more secure future. Having a good house is definitely not a bad thing. This is also a proof of appearance and strength.

Seeing that his parents were a little shaken, Zhang Hao said while the iron was hot, "I'm not saying that we will build a house right away, nor that we will spend the money we earn in the future to buy cars, build houses, and buy yachts."

Zhang Jianye put down his chopsticks and asked seriously, "Then tell me, how do you plan to spend the money."

Zhang Hao said, "More of our family's income next year will still be spent on the house. The investment in ranches and horse farms will definitely continue, but it will definitely not be as much as this year. In the future, [-]% of our family's income will be saved. , [-]% of expenses, and the rest can be invested.”

Although this is only a rough idea, Zhang Hao's parents seem to agree.

Now that the ranch has just been developed, there are indeed many places that need to spend money; the development of the ranch needs money, and the building of houses needs money, so it is normal that there is no money to save at all.

But in the future, this can no longer be the case. In the future, the money will have to be carefully calculated. It is absolutely impossible to basically spend as much as you earn like now.

Zhang Hao's parents have some confidence in Zhang Hao's ability to make money and the potential of the ranch. They all believe that the family's income will definitely increase in the future.

Now is a special period, so the strategy of spending money should be a little special.

But Yu Xiu is still a little strange, why did Zhang Hao mention this all of a sudden, the family probably doesn't have much savings now; even if there is a little, isn't the money said to be used to buy horses, is it said that the money is embezzled?

Seeing his parents' puzzled look, Zhang Hao explained, "We definitely won't be able to get the money right now, but we can take our time. We get the design drawings first, and then choose the site. Building a big mansion is not It’s normal for a day or two, and it’s normal for more than a year. So we can’t wait until all the money is in place before starting work, and we will take it step by step and pay the money in batches.”

Although Yu Xiu was still a little hesitant, she relaxed a lot. She asked, "Then you mean to start preparations now? You're paying in installments, right? It's good to pay according to the construction period. But you Be clear, in this way you will have to ensure a stable income, and if the capital chain is broken, it will be a big trouble."

The fact is that if you want to build a house in this way, you must ensure a stable income; Zhang Hao is very confident about this, and he doesn't worry about his ability to make money.

"Horse racing, horse racing can make a lot of money every year, and our ranch has also produced some output. The initial investment is basically in place, and there will be no pressure on the additional investment in the ranch in the future, so don't be afraid. I can also be a horse racing consultant. Another income. There must be more and more ways for me to make money, which is not a problem. I don’t waste time, and it would be comfortable to live in a big mansion earlier.”

Seeing that the youngest son was determined to build a big house, plus he had some confidence in his ability to make money, and of course it was also because he had some expectations for a big mansion, so Zhang Jianye and Yu Xiu didn't have much objection.

However, they still plan to persuade him, hoping that the youngest son will not exaggerate too much, and don't really build the new house into a super luxury house, and must do what he can!

Seeing that his parents were basically convinced, Zhang Hao was also happy.

Isn't making money just to improve life? Zhang Hao feels that he is moving on the right path now, and he knows that his decision is extremely correct!
(End of this chapter)