One hot topic in people’s daily life is about monthly salary, annual salary and your savings. This has intense nerves of young people nowadays. A chinese saying goes “a person shall be independent and establish home of his or her own at 30s”. Therefore, lots of people consider one’s 30s as a critical turning point of their life journey. How do you think about that one should achieve in their 30s. Some people in this age period may try their best, some may go with the flow and some may be just signing about hard life. How do you think about it?
One’s 30s is also considered as a turning point from young age to middle crisis period. Money you save can be capable enough to solve 90% of problems in our daily life therefore it has intensed nerves of people in their 30s. So how do you think about how much one should save in his or her 30s? Different people hold quite different opinions. Here some of different views are shared.
Financial management capability values most.
A: A is a manager in a financial instutition in a modern big city and his annual salary is about RMB 2 million per year. He values financial management capability more than one’s number in the saving accounts. He often doesn’t mention savings account but one’s capital instead. He strengthens that the capital he owns include two houses with a toal value of about RMB 10 million and some capital form in stocks. Meanwhile, he strenghtens that all those capitals he owns now are all gained just by himself rather than any help from his families. He values one’s financial management capability far more than one’s number in saving accounts.
One’s capability to increase value matters more than anything else
B: As a new entreprenur starter, B reveals that except for his own company and his wife, he has nothing. He considers one’s capability to increase value more than anything else. He started a new agency of providing service for education abroad last year with his friends. As the biggest shareholder, he owns 60% of the shares of the new company. He says his company hasn’t lost any cost and hasn’t earned too much nither. Still he embraces his new business with great passion and considers being young as his biggest advantages. “One’s capability to increase value matters more than anything else. Though I may fail in my new business but it doesn’t matter if it fails because this could help me increase my capability in bearing stress. Moreover, such a rich experience can help me consider problems more reasonably and completely. All those are intangible fortune that will distinguish me out from fierce compeition in the market.”
It’s normal to spend your money as much as possible before you are in your 30s.
C: In friends’ opinion, C likes playing very much and he is good at playing. He reveals that all he earned before his 30s has been spent out. He likes diving since his college life time. He always travels around in his spare time. “Most of my savings have been spent on my diving interest. I tried diving in South China first, and then I it in foreign countries such as Malaysia and Phillipine. I had already got my diving coach certificate at my 28.”
Your interest is more important than your savings before you are 30.
D: As a partnership in a law office, D can earn RMB 1 million as her annual income. But she reveals that she hardly saved money before she was 30. A little sum of money she saved before she was 30 was spent on her house because by then she was preparing for stepping into marriage with her boyfriend and they even had borrowed much money from their parents by then. Later she progressed swiftly in her business and could earn more. She considers one’s life period before their 30s is just beginning of their life. What’s most important is their future development route. You need to grope to explore answers for questions such as what you’re suitable for on earth, what would you like to do. All those are much more important than saving money blindly.
Comparing vertically, does what you have achieved meet what you epxect for yourself?
Comparing horizontally, do you have any advantages over people who have similar backgrounds as you do?
This may requires our thinking more?
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