My opinion has always been that you don’t want to buy a car in full, you can get a loan if you can, and the cash in your hand is used for financial management to outperform the annual interest rate of consumer loans. Don’t make loans on the Internet. There are consumer loans in serious banks. Recently, the country has issued a document requiring that these loans must emphasize the annual interest rate. Therefore, if you have the financial management ability, it is recommended to borrow from the bank and calculate the annual interest rate by yourself. 2. Also, Unless you need to drive to meet customers at work, don’t spend your savings on the car. The first pot of gold is very important. When you have your first million, you don’t need to manage your own finances. There are many formal banks. There will be a dedicated financial manager to help you manage your finances, and it is also to buy funds. I made 80,000 yuan last week. Because my principal is more than 1 million yuan, my mother only bought more than 3,000 yuan of funds. After earning more than one hundred, she went to massage and acupuncture and it was gone. She couldn’t continue to invest money to make money. We will probably be the same as my mother when we get old. Lumbar muscle strain and cervical spine problems can be treated with acupuncture and moxibustion at any time, and the money will be used very quickly. The pension is not enough to spend. You must save more money. 3. When men and women mature, they must lose face. Face is really not important. The result is the most important. 4. For some cities with a lot of traffic, such as Chengdu Instead of having trouble with driving and parking by yourself, it’s really better to add Didi on the subway. My mother recently played Didi with discounted prices every day. More than ten years ago, we took a ride that cost more than ten yuan, often a few yuan. Successful carpooling is more worthwhile than buying a car and refueling to pay for the parking fee and insurance, and it is prone to problems if you don’t worry about working too tired or going home too late to drive by yourself. Why bother? So last time my relative’s neurotic wife insisted on letting us buy a car. I kept chasing me about buying a car. My mother and I didn’t want to bother with her. After all, her financial quotient was negative, and she once persuaded me to buy shops and keep them from selling old ones. A moonlight clan came to teach me how to spend Money, she treats her husband’s money as her own, and thinks she’s also a successful person. If she’s a girl, her native family is as unreliable as me. For this 150,000, I advise you to buy a house and have a nest at ease. You don’t need to rent a house to move. Those who are displaced, gradually start to purchase their own assets. Young people who have a deep sense of retirement and retirement do not need to put too much pressure on themselves when they graduate. They have to buy expensive houses, and they can replace them when they have money. The Wenjiang subway entrance I am concerned about still has a small apartment of 450,000. It has 70 years of property rights. There is not much room for appreciation in Wenjiang. However, if you live in the house, you can live by yourself. It must be sold. This type of house is in Chengdu. There are always those in the surrounding area, and some young people never really look at the house on the spot, so they like to go to the Internet without thinking about zf, asking the society to solve the house for them. This kind of psychology is the same as those in the village and let the state take care of them every day. They also allocated the poor old bachelor of the daughter-in-law to buy a car instead of 150,000 yuan. I might as well buy a house to live by myself. The mortgage is almost the same as the rent. The landlord might as well give the bank to show you a recent transaction. Shellnet.com There is no fake housing, and I dare not adjust the price. Anyone who has bought a house knows that some people say that I am talking about an apartment. I have bought and sold many times, but I still don’t know the apartment? You can see clearly that this is an ordinary residence. The biggest problem for many people is that they never really understand the local property market and post with imagination. This is an elevator apartment at the subway entrance of Wenjiang District. The surrounding facilities are very mature, small apartments, one bedroom and one living room. It’s okay to live alone. My mom and my friend sold an old house in Wenjiang only if they had to take care of the old age. The price is more funny, more than 300,000 and 460,000. If there is no loan record before, the down payment is only 138,000, and the monthly payment is estimated. More than one thousand, I am not an intermediary, so I don’t put the name of the real estate. Everyone searches in the surrounding areas of Chengdu. There are many such houses. As long as you don’t look at the houses in Nanmen, you can buy cheap houses in other directions. Don’t drag things into your thirties like I did. After graduation, you can set savings goals, go to the field to understand housing prices when you have time, work for a few years, if you have financial strength, you can buy a cheap transition. Let me tell you, there are plans and no The result of the plan is really very different. Now it’s not that I want to buy a house to double, but to avoid having no assets in the moonlight. It is impossible for house prices to plummet in a good city such as Chengdu. Moreover, if you buy it cheaply, the risk is not that much. Great, you are not enjoying it after living by yourself. Buying third-tier cities and county seats is a bit more risky, because the population is declining. Of course, young people with good finances or high wages should cherish the first loan if they buy a house in the purchase-restricted area. For the first time, they can try to buy good real estate. Can afford a wide range of loans, because in Chengdu, the second loan down payment ratio will increase, so you should try to use some of the policies of the first house, you need to ask yourself to think about your own decision or to persuade young friends to be more exposed to real life, don’t Indulging in the Internet, participating in all kinds of controversies on Zhihu all day long, what is the confrontation between men and women for a while, and what is the issue of pension for a while, why do you talk to strangers every day? Can you get a dime after you pull it? It is meaningful to live your life truly and down-to-earth. The young days are fleeting, and every day must be cherished. I set myself a goal after graduation, that is, to get rid of student thinking, not to be addicted to books and the Internet, to understand the real world around me, to integrate into this society, and to be grounded. Recently, I saw some people persuading students and friends not to make money with one heart. Well, I saw in the post yesterday that Stalin had a great ideal and loves his wife. I still said that, friends, you guys. Not a rich second-generation, single-minded money can prevent depression, I will not lie to you. Watch less of Stalin and Putin’s stuff, they can’t buy you a house and find a wife.