別羨慕那些月入過萬的人

最近，朋友圈被一句話瘋狂刷屏：成年人的一切選擇，都是錢說了算。深以為然。特別是年齡越大，這種感覺就越來越強烈明顯——工資是唯一收入來源，每月生活開支所剩無幾，永遠也存不下來錢；看到同事朋友，買大牌衣服化妝品，只能背後偷偷羨慕；上有老下有小，根本不敢換工作，不敢生病，害怕山窮水盡……你看，無論何時何地何種情況，無論你面臨什麼樣的選擇，到頭來，都跟錢有關。

很多時候，錢是我們選擇的關鍵。你有沒有計算過，要想賺到人生中第一個100萬，需要打工多久？按照我們普通人的月薪來算，少則十幾年，多則三十年，甚至一輩子也賺不到。如今，身邊越來越多的人在拿命博這些錢，然而我們越努力，越被社會啪啪打臉——即使加班到凌晨，也面臨著35歲被裁員的危險；

即使努力到年薪30萬，卻依舊付不起一個50平的首付；

即使吃再多苦，經濟寒冬依然有1/3的人面臨著失業，被房車貸壓得喘不過氣來；

即使省吃儉用多年，家人生一場病，不僅全家積蓄瞬間清空，還身負貸款....

經濟好的時候，你是拿命換錢也換不到錢。

經濟差的時候，你又擔心自己拼命的機會都沒有。

很多時候，我們總是寄希望於努力工作掙錢、攢錢，寄希望於未來。卻忘記瞭如果不改變當下，未來等待我們的將會更貧窮、更艱難。

真正決定收入水平的

不是勤奮，而是思維我見過很多朋友——有的人人到中年還在為生計奔波，有的人年紀輕輕卻已經年入百萬;有的人為2000元的雙飛旅行心疼不已，有的人卻去過許多個國家；有的人省吃儉用大半年卻捨不得買四位數的包包，有人買個上萬的包都隨隨便便...

產生如此差距最根本的原因是什麼？諾貝爾專家研究表明：拉開差距的不是學歷，不是閱歷，而是複利思維。相比於窮人努力掙錢+攢錢的思維模式，富人更喜歡投資利用錢生錢。

同樣是賺錢，有人工作10年依舊還是負債，有人工作3年就賺到了人生的第一個100萬。這就是窮人思維和富人思維的差別。可以說，一個人越來越值錢的跡象，就是通過複利理財思維，更好地掌控自己的生活。

理財思維和能力是拉開貧富的關鍵提起理財，生活中大多數人都知道非常重要，但卻在潛意識裡認為只有擁有很多的錢後才配理財。這其實是非常錯誤的想法。

因為哪怕每個月只有幾百、幾千，都可以用來理財投資，不過是少買一件衣服、少下一頓館子的事。後續待寫

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