From Signing In To Dominate The World

Chapter 995: Speech (2)

Chen Liang looked around the audience with a peaceful smile on his face.

“If I’m not wrong, the last thing you want to do is to go to work, so your inner definition of financial freedom is nothing more than not going to work, but you can still live comfortably, right?”

“A few people may still have a dream of a villa, a dream of a luxury car, a dream of a yacht, and a dream of traveling around the world, but these are all extra points. There is the best, or not. In short, they can get rid of work, and they can also make their own food and clothing Wu You. , That is the core requirement.

Regarding this issue, I actually thought about it after I graduated. ”

Hearing that, many students smiled and felt that the brilliant senior Chen Liang on the stage was more intimate.

No matter how awesome people are now, a few years ago, it was not the same as them, who would worry about their job and future after graduation.

“If you want to achieve financial freedom, it goes without saying that you have to have a three-bedroom apartment of more than 100 square meters in your city, a decent car, and a market value of more than 200,000 yuan, but this set of configuration is a bit more compact and upgradeable. If it becomes more than 150 square meters, it would be better to add 300,000 cars, and the next step is whether it can lie flat.

Not having to go to work means that you have to rely on asset income to cover your daily expenses. Take first-tier cities and third-tier cities as a reference. The annual expenditure of middle-class families in first-tier cities is in the range of 300,000 to 400,000. Third-tier cities are decent. Some families’ annual expenses are in the range of 100,000 to 150,000. Now that we are all discussing financial freedom, we will put them online and take the two figures of 400,000 and 150,000.

Middle-class families in first-tier cities generally have mortgages. The monthly payment is in the range of 15,000 to 30,000. I assume that a year’s mortgage is 300,000. In third-tier cities, many families do not have mortgages. Even if they do, they are basically 5,000 per month. At 8,000, even if 80,000 per year is good, a rough calculation would be 700,000 in first-tier cities and 230,000 in third-tier cities.

Let me first declare that we are discussing a life of financial freedom, so the cost is higher than the standard of ordinary people. As long as you know some financial investment, the annualized income can be maintained at least 6%-7%, that is to say, you are on the front line The city has about 10-11 million in cash. In a third-tier city, there are 3.5 to 3.8 million in cash. You can almost rely on income to support yourself, but this math problem is not finished here. If so, there will be no problem next year. The year after the new year should be OK, but ten or twenty years later, if you still want to use income to cover expenditures, your quality of life may decline, because currency will lose comprehensive purchasing power due to inflation. So, everyone here , It should be clear that you want to achieve financial freedom standards, right? ”

After Chen Liang finished speaking, the male student who asked the question subconsciously helped his glasses with a bitter expression on his face.

He came out of a small city, but he has no plans to return to a small city. He wants to settle down in a big city and achieve financial freedom. He actually needs a huge sum of more than 10 million!

Is this too difficult?

“There are very few people in the country who realize financial freedom, and the meaning of life is not to be content with the status quo, but to fight hard.”

A girl stood up, with a serious face, neat short hair and her ears. At first glance, she belonged to the kind of academic bully who always sits in the first row in class.

She took the microphone, looked directly at Chen Liang on the stage, neither humble nor arrogant, and asked in a loud voice: “Senior Chen Liang, what I want to ask is, why are rich people so ruthless?”

Chen Liang raised his eyebrows.

The question of the last male classmate was very realistic, in line with most people’s most true thoughts, but the girl’s question was a bit tricky and sharp.

Everyone stared at Chen Liang engrossly.

As a member of the “rich man”, such a question is really hard to answer from Chen Liang’s perspective.

Chen Liang was silent for a moment, not knowing whether he was embarrassed or trying to make words. Just when the host sister wanted to save the field again, he tepidly opened his mouth.

“Although the statement that rich people are ruthless for the rich and unkind is somewhat absolute, it also fits most of the reality.”

The audience was in an uproar before the words fell.

The ass decides the head.

Everyone thought that as a rich class, Chen Liang would definitely whitewash and fight injustices for the rich, but he never expected that he actually seemed to agree with this point of view.

Even the very assertive female student couldn’t help but froze.

Then, she squeezed the microphone tightly, aggressively.

“That said, Senior Chen Liang, do you think you are a cold-blooded person now?”

Many students looked sideways, wondering if this girl was too brave.

This is no longer a question, but almost a question or even a provocation.

Chen Liang didn’t change his face, looked at the girl student and smiled gently.

“Then it depends on how you understand the meaning of’cold-blooded and merciless’. A shopping mall is like a battlefield. If you want to start a business in a shopping mall, in fact, it is the same as the college entrance examination. If you win, it means those losers lose their names. This is competitive. The inevitable result is that you can sit here because you have defeated countless people. Will you sympathize with those who are not as good as you in the test?”

Chen Liang paused.

“It’s a long way off, now I’m back to the subject. Since I stand on this podium, I must be responsible for you. Society is not an ivory tower. Empathy will be the quality eliminated by capital.”

Jiang Xin’s face changed slightly, and she felt that these remarks were realistic, but they were still a bit out of place in front of these students, but the school leaders next to them didn’t mean anything unpleasant, on the contrary they listened with relish.

Chen Liang continued: “The essence of capital is profit-seeking. Students studying economics should have heard of Marx’s saying that when the profit reaches 10%, they will be ready to move, and when the profit reaches 50%, they will take risks. When the profit reaches 100%, they dare to trample on all the laws of the world, when the profit reaches 300%, they dare to risk hanging. Capital is not a concrete existence, it must have boarding to survive. And those who can be chosen as the host are the capitalists.

I have dealt with a lot of wealthy generations and rich second generations with extraordinary backgrounds. I found that many of them have good people. They are personable, they are friendly and rich. Maybe many people think that if they have money, they will be kind. I discovered that this is not an illusion, but it is also not the truth.

The rich generation who succeeds will often teach their nephews to be sincere and believe in what they say. The rich second generation will follow the teaching, treat people sincerely, and keep their promises, but remember that these are just means, not Purpose, their humility is a rule that needs to be followed after reaching a certain level. It’s the etiquette for others. The rules and etiquette can be overturned in the face of sufficiently large interests.