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The balance of time: past, present and future

The balance of time in personal wealth is simply summed up in the present and future stages of wealth.

This "balance of time" can be said to be the foundation of personal financial management. Only by grasping the time balance of wealth can we ensure the continuity and growth of wealth.

There was once a cartoon, the general content is that people in the world are walking on the same cross. Some people are too tired and too tired, so they cut off the cross.

But when it came to the end and across the valley, everyone crossed the bridge and passed by, and only the man, because the cross was short, did not last.

From the point of view of financial management, if you do not have a long-term goal and do not consider the continuity of wealth, premature excessive consumption will eventually lead to the loss of time and balance of wealth.

Therefore, in our daily financial life, we should set our consumption goals and investment objectives into short term, medium term and long term.

Then, step by step, we can finally achieve the time balance of wealth.

Structural balance: building a stable "Pyramid"

Everyone's understanding of "financial management" is actually different.

Some people focus on the stability of wealth, so they think that "money management means simply saving money instead of wasting it".

Some people focus on the value added of wealth, and invest heavily in the process of managing finances.

In fact, whether it is prudent savings or radical investment, in fact, in terms of the concept of financial management, they are all out of balance, which is the imbalance of financial structure.

To achieve

Balance of content: one must not be less.

To achieve the structural balance of personal wealth, we should improve the content of wealth and achieve the enrichment and balance of content.

Just like building the building, the main structure of the building has been built. Next, we must improve the whole building according to the actual needs.

In daily life, our financial planning content usually includes buying a house, buying a car, children's education, family security, parents' pension, income and expenditure of assets, and estate planning.

The ultimate goal of financial management is not simply to increase wealth, but to achieve full freedom and balance of personal financial content.

In fact, the wealth of every one of us is changing at any time.

Some people can do that, increasing wealth; others can not stop the decline of wealth.

How to ensure more personal wealth?

Then we must ensure the balance of personal wealth through reasonable means.

To put it simply, in the process of personal financial management, the economic environment around us is also changing all the time. According to the capital market environment and national economic policy, we should adjust our financial situation at any time, and finally keep wealth in a dynamic equilibrium. This is also the highest state of financial management.