Chapter 995

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

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

"A few people may also have a villa dream, a luxury car dream, a yacht dream and a dream of traveling around the world, but these are all bonus items. Some are the best and none are OK. In short, they can get rid of work and make themselves comfortable with food and clothing, which is the most core requirement.

In fact, I thought about this problem after I graduated. "

Hearing the speech, many students smiled knowingly and felt that the bright student Chen Liang on the stage was more cordial.

No matter how arrogant people are now, a few years ago, they were not as worried about their work and future after graduation.

"If you want to achieve financial freedom, needless to say, you must at least have a three bedroom apartment of more than 100 square meters and a decent car with a market value of more than 200000 in your city, but this set of configuration is slightly compact. It is better to upgrade it to more than 150 square meters and add 300000 cars. The next step is the key to lie flat.

Not going to work means that you have to rely on asset income to cover your daily expenses. Take the first tier cities and the third tier cities as a reference. The annual expenses of middle-class families in the first tier cities are in the range of 300000 to 400000, and the annual expenses of decent families in the third tier cities are in the range of 100000 to 150000. Since we are already discussing financial freedom, we are going to go online , take 400000 and 150000 respectively.

Middle class families in first tier cities generally have housing loans, and the monthly supply is in the range of 15000 to 30000. I assume that the annual housing loan is 300000. In third tier cities, many families do not have housing loans. Even if they do, it is basically 5000 to 8000 per month. Even if it is 80000 a year, roughly speaking, the annual expenditure of first tier cities is 700000 and that of third tier cities is 230000.

Let me first state that we are talking about financial freedom, so the cost is higher than the standard of ordinary people. As long as you know some financial investment, the annual income can be maintained at least about 6% - 7%, that is, you have about 10-11 million cash in the first tier cities and 3.5-3.8 million cash in the third tier cities, you can almost feed yourself on income, but that's the math problem It's not over. In this way, there's no problem next year, no problem the next year, and the next year should be OK. However, if you still want to use income to cover expenses in ten or 20 years, your quality of life may decline, because money will lose its comprehensive purchasing power due to inflation. Therefore, all students here should be clear about the standard of financial freedom? "

After Chen Liang finished, the male classmate who asked the question subconsciously helped his glasses and showed a bitter face.

He came out of a small city, but he didn't plan to go back to a small city. He wanted to settle down in a big city and realize financial freedom. He actually needed a huge sum of money of more than 10 million!

Is that too hard?

"Few people in the country have achieved financial freedom, and the meaning of life is not content with the status quo, but struggle."

A girl stood up with a serious expression and neat short hair. At first glance, she belonged to the kind of Xueba who always sat in the first row in class.

She took the microphone, looked straight at Chen Liang on the stage, and asked in a loud voice, "senior Chen Liang, what I want to ask is, why are the rich ruthless?"

Chen Liang raised his eyebrows.

The question of the last male classmate was very realistic and in line with the most real thoughts of most people, while the girl's question was a little tricky and sharp.

Everyone was focused on Chen Liang.

As a member of the "rich", such a question is really hard to answer from the perspective of Chen Liang.

Chen Liang was silent for a moment. He didn't know whether he was in trouble or raising words. When the host sister wanted to save the scene again, he opened his mouth lukewarm.

"For the rich, the rich are ruthless. Although this statement is absolute, it also conforms to most of the reality."

There was an uproar before the voice fell.

The ass determines the head.

Everyone thought that as a rich class, Chen Liang would certainly whitewash his words and defend against injustice for the rich, but he didn't expect that he seemed to agree with this view.

Even the very assertive female student was stunned involuntarily.

Then she clenched the microphone and was aggressive.

"So, Mr. Chen Liang, do you think you are a cold-blooded and ruthless person now?"

Many students looked sideways and wondered if the girl was too brave.

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

Chen Liang didn't change his face. He looked at the schoolgirl and smiled gently.

"It depends on how you understand the meaning of 'cold-blooded and ruthless'. Shopping malls are like battlefields. If you want to start a career in shopping malls, it's actually the same as the college entrance examination. If you win, it means that those losers fail. This is the inevitable result of competition. You can sit here because you have defeated countless people. Will you sympathize with those who are not as good as you?"

Chen Liang paused.

"It's too far. Now let's get down to business. Since I stand on this podium, I must be responsible for you. Society is not an ivory tower, and I won't tell fairy tales of truth, goodness and beauty. Emphasizing emotion has never been the quality of capitalists, and even being eliminated by capital."

Jiang Xin's face changed slightly, and she thought that although this remark was realistic, it was still too much in front of these students, but the school leaders next to her didn't mean anything unhappy. On the contrary, she listened with interest.

Chen Liang continued: "The essence of capital is to pursue profits. Students studying economics should have heard Marx's famous saying that when the profit reaches 10%, they will be ready to move. When the profit reaches 50%, they will take risks. When the profit reaches 100%, they dare to trample all the laws in the world. When the profit reaches 300%, they dare to risk hanging. Capital is not A concrete existence must have a host to live forever, and the capitalist can be selected as the host.

I have dealt with many rich people who hold wealth and the rich second generation who are of extraordinary origin. I found that there are many good people. They are graceful and gentle. Maybe many people will think that money will be kind. Later, after some things, I found that this is not an illusion, but it is not the truth.

The successful rich generation will often teach their nephews to be honest with others and keep their promises. The excellent rich second generation will listen to their teachings, be sincere with others and abide by their promises. But remember, these are only means, not ends. Their modesty is the rules to be observed after reaching a certain level. It is the etiquette for dealing with people. The rules and etiquette are in the face of sufficient interests Can be overthrown.