In 2014, I was exactly 30 years old and cashed close to 10 million in 360. I bought several houses in Beijing and saved several million. At present, I am working in a large factory. The annual salary + self-media + consulting income totals several million. I will start stock trading in 2020, and I will earn more than 2 million yuan in one year: the total income will be around 5 million yuan in one year. I don’t know if Can be regarded as financial freedom. Just brazenly share with you, how do we, as ordinary people, achieve financial freedom? In addition, I feel that trying to gain financial freedom through entrepreneurship is very undesirable. Just imagine if you start a business to make money, what should you do if you are not careful? So the focus of today’s discussion is how to obtain financial freedom through work and investment. Before the article officially starts, I will send you two pieces of information. If you are a programmer or plan to do the IT industry, the algorithm is very important. I will send you an algorithm note written by Ali P8, which is his experience summed up by Leetcode. This information helps many friends around to join the big factory: BAT boss’s brushing notes, a must-see when entering the big factory! Mp.weixin.qq.com In addition, the development of the workplace must require methodology. This pdf of workplace development I summarized is for everyone: I think there are four points: 1. Control the desire to consume in “Poor Dad and Rich Dad” In this book, there is a particularly classic sentence: Both the poor and the rich buy luxury goods, and the poor often use their monthly hard-earned money to buy them. That is the wealth that should be used for investment or left to their children. The rich use the capital they generate to buy. The poor did make them look rich after purchasing luxury goods, but they randomly entered into a debt crisis. The monthly salary is used to repay debts and continue to take out loans, and they enter a vicious circle. Ordinary people are better at spending money, while rich people are better at saving money and buying things that can add value. What can continue to increase in value is called an asset, while consumer goods are just a consumption. 2. Establishing the second type of income. The essence of the workplace is a tool person, and programmers are precisely the kind of tools that will depreciate in middle age. In particular, workers need to build a second income in their lives before the downturn in their careers. During the period of writing the official account, many programmer readers asked Yang Ge: Do you want to develop some sideline? How to develop sideline? Sideline business is indeed a very good way for us to obtain a second income. If you haven’t built enough core competence before, I don’t suggest to do other attempts, it will pick up the sesame seeds and lose the watermelon. If you already have a deep accumulation in the industry, you can do your job well and have core competitiveness. At this time, trying to do some exploration is completely feasible and necessary to some extent. There are two kinds of jobs in this world: predictable jobs and unpredictable jobs. What is predictable work? For example, part-time work, fixed and fixed wages, except for year-end bonuses and project awards, there is almost no disturbance. For example, you can be a part-time writer, write an article, and get a fixed salary after delivery. Predictable work is difficult to accumulate compound interest, but it is a means for many people to survive. What is unpredictable work? For example, starting a business, struggling arduously for many years, may have nothing, or may ring the bell when listed. For another example, if you write an article on a public account, you may not read thousands of words eloquently, or it may burst out a 100,000+. The most important suggestion for exploring side business: do predictive work for the main business, and unpredictable work for the sideline as much as possible. Taking the sideline type as an example, programmers can take over outsourcing, do company internal training, do APP, or write technical blog public accounts. Receiving outsourcing and doing corporate internal training are predictable tasks, while doing APP and blogging public accounts are unpredictable tasks. Unpredictable work contains a lot of uncertainty, and ordinary people must introduce uncertainty in countering life. Work that is too certain can at best sustain your livelihood, and it is difficult to make you rich or financially free. To quote a more classic sentence in “Rich Dad, Poor Dad”: Working to earn wages can only make you a little bit stronger than bankruptcy. Here is a copy of the hard-core information on career promotion and salary increase that I wrote: 3. Regarding work as an investment. Many people are looking for a job with a high salary, but the truth is that no matter how high your salary is, you won’t let it. You are rich. This assertion is cruel, and it takes many years for many people to understand. When I just graduated, I also struggled with the high salary. The company didn’t give the high salary OFFER, so I didn’t consider it. When I was working for two years, I met a senior Huake, and he woke me up. He is an early employee of Baidu. In 10 years, he cashed out tens of millions in Baidu. He told me that no matter how high your rank is and how high your salary is, the money you earn from working will not change your life in any qualitative way. Because as your salary increases slowly, your desire expenses will also increase, and eventually you will always be in a state of cessation. You need to find a reliable company that can give you stock options as soon as possible. The definition of a reliable company is rapid development and the integrity of the boss. Since then, I have established a basic principle for finding a job: I only find companies that can give option stocks, and salary is no longer my priority. I have also developed a habit. If I am in a company with stock options, I will never sell the shares of this company easily. My philosophy is: time and money are your greatest resources. If this is a good company, since you are willing to invest time in the company, why can’t you invest money to continue to hold the company’s stock. Based on the above knowledge, in the past few years of 360, almost no shares of 360 have been sold. When I decided to quit my job and start a business, I sold out 360 shares. In the past 5 years, 360’s stock price has risen 10 times, and I have also won the first pot of gold in my life. Many 360 colleagues did not enjoy the greatest dividends because they were not optimistic about the company, or were eager to consume, and kept cashing out. 4. Cognitive arbitrage The biggest weapon for ordinary people to counterattack: cognitive arbitrage. In work and life, you must not only immerse yourself in work, but also look up at the sky. Thinking and summarizing methodology is an indispensable way to improve cognition and a process of summarizing fragmented knowledge into dynamic wisdom. How important is cognition? There is a story saying that a group of people went to dig for gold and some people went to sell water. In the end, those who dig gold didn’t make money, but those who sold water were all prosperous. why? This is the difference in cognition. Hijackers are especially prone to get caught up in the details of their work. I don’t know if you have ever had the experience of not caring about people and things around you during a working day. Although this kind of addiction has allowed us to grow at a high speed in professional skills, it has affected the improvement of cognition to a certain extent. First of all, the lack of cognition will make us unconsciously become leeks under the sickle. There is essentially no difference between the various routines of cutting chives for young people in the sky today and various health products for cutting old people. The essence is to use your low cognition to reap you mercilessly. Just imagine, how does a person who is constantly harvested by sickles complete the accumulation of the first pot of gold? What’s more important is that through continuous improvement of awareness, we have core values. And value is a prerequisite for equivalent exchange between us and the big bosses who master social resources. The truth about the operation of this society is resources. Rich second-generation and successful bosses disdain to exchange resources with ordinary people, but they also need to obtain truly valuable output in other fields. What if you are an ordinary person with super cognitive ability? Then you have the ability to leverage resources. Even if you ultimately fail to leverage resources, you can let people who are better than you eat and chat with you, and learn how people think, thinking models, and business models. And how to make money, you will definitely benefit a lot. Pinduoduo Huang Zheng is an excellent example. Through his super professional ability and cognitive ability, Ding Lei and Duan Yongping have been inspired one after another. Even Duan Yongping took a picture of Buffett’s dinner at a high price and took Huang Zheng with him. It is conceivable how helpful Huang Zheng would be after a meal. Continuously improve cognition to leverage more resources and contacts. Learn more about the laws of the world and money movement through resources and connections. And then applied to investment, financial management and capturing opportunities, it will naturally get closer to financial freedom faster. To sum up: control the desire to consume, build a second income in life as soon as possible, treat work as an investment, and continuously improve cognition. This is the end of the above four suggestions. Beating workers is very hard and tiring. Beating workers is not easy to counterattack. Some people will complain about the cruel society and cold-blooded capitalists. But you will always be the only one you can rely on, and the change will begin from now on. Once we understand and master the laws of money operation, we can also control it instead of being enslaved by it.