In this life, each stage has things to do and distances that can be calculated.
At this stage, you "have no money," but you have something that others can't buy.
It's not "I have no money," but "I don't know what is the most valuable in the things I have now."
Verification Signals (count two or more to be valid):
· Spend all your energy on "saving money"
· Never tried any form of output or monetization
· No transferable skills
Definition of Asset
You have three assets that others can't buy at this stage:
① Time——Your current hour is more valuable than an hour ten years later because it can compound
② Right to make mistakes——You can try again if you make a mistake, this right will disappear with age
③ Low burden——No mortgage, no children, can bear uncertainty
Therefore, the most inappropriate thing to do at this stage is "save money to the point of not daring to try," and the most appropriate thing to do is use low-cost high information: try several things, find out what you can do.
Find a path to walk
Have a skill that can make a living
Don't always rely on the family
Definition
Number of attempts · Skill accumulation · First independent income
How to calculate
Count how many things you have tried in the past year; have you earned money on your own
Healthy Range
One year ≥3 real attempts · 1 skill is accumulating · There has been independent income
Spend time saving money —— Save small money, waste the most valuable asset
Don't dare to make mistakes —— The right to make mistakes will expire
Take on a mortgage too early —— Lock liquidity, lose the right to choose
Only do "stable" things —— Stable is income, not ability
Invest with living expenses —— If you lose, you won't even have food to eat
At least try 3 things seriously in a year (side business/project/skill count)
Ask: What did I learn, what am I good at, after each try
Saving enough for 3 months of emergency funds (this is the bottom line, not the goal)
Invest a fixed percentage of your income into "ability," not consumption
Remember: The goal of this stage is not to make money, but to find out "what I can make money with"
This page does not collect any of your asset information. All indicators are proportions and multiples, you can calculate them in your heart, you don't need to input, and they will not be uploaded.