do you feel that 'money is getting harder to earn'?

During this rapidly developing period, making money seems to be very easy, and

opening a small shop is also a good option.

But now it is different; it is hard to find a job, and business is difficult, even highly educated people may end up delivering takeout.

For those who have already seized the opportunity and made a big profit, the main task in the next five years is not to 'forge ahead bravely' but to 'retreat quickly'.

In one's life, you cannot eat poor, wear poor, but being calculated upon can lead to a lifetime of poverty.

Specifically, it is recommended to hold onto your savings, do not conform, and do not let the people around you take advantage of you.

First: Be a person who goes with the flow; don't worry about the 'hometown circle'. There is a saying: 'When a family is poor, they go to other places.'

Many people reach their forties or fifties with a certain amount of savings, not from farming in their hometown, but from working or starting a business in other places.

If you made money in another place and return to your hometown, showing off. It seems like a good idea, but you need to understand that returning in glory is not so easy.

When you decide to invest in your hometown, you need to rebuild your career path and social network. It's equivalent to starting a new business.

Moreover, people in the hometown often have a smallholder mentality. If you engage in farming, the land here belongs to the neighbor and cannot be touched; the land over there belongs to the village next door and cannot be moved.

Choosing to be rich without returning home is more rational than returning home in glory. The place where you have worked hard for a long time is actually your second hometown, and the environment is familiar, leaving a foundation for your descendants to start a business.

Be a person who goes with the flow; as long as you wait slowly for retirement, where you live doesn't make much difference.

Second: Be a low-profile person and gradually fade out of the 'face circle'.

When you have money, your wallet bulges, and you want the whole world to know.

Everyone has the nature of wanting to save face. Buying a car to show off in the hometown; building a villa and wearing gold and silver, etc.

When a person competes for face, money starts to slip away, and useless items accumulate at home.

To show off your elegant fitness, you buy a treadmill. To show you are wealthier than your neighbor, you install a luxurious door.

You might even take relatives and friends to very high-end hotels to let everyone have a broader perspective.

Any money spent to save face is merely for 'showing off to others'. Receiving a few insincere compliments means you have nothing left afterward.

Smart people with savings tend to be low-key and may even pretend to be poor. They dress simply, drive a practical car, and live in an ordinary house.

If you aim for practicality, your spending speed will slow down. Even if you get mocked for being too stingy, it doesn't matter. The happiness in life relies on substance.

Third: Be a person who is not greedy for wealth and withdraw from the 'wealth management circle' in time.

If many people know you have considerable savings, you will likely be invited to attend local investment promotion conferences and franchise meetings.

You have transformed into a local gentry. It seems you should become an industry leader and find a way to help everyone earn money.

Some large merchants want to help you get rich and also pave the way for your wealth.

For example, a certain brand opens a store in your hometown. If you have money, you are the best candidate.

Never be deceived. Remember a saying: 'Different fields are like different mountains.'

If you enter a business circle that you haven't deeply investigated, you will likely fail.

Many big merchants might just rely on earning franchise fees, thriving in business. The more subordinates they have, the happier they are.

It is important to be cautious with bank wealth management products. Having savings does not mean you have learned how to manage money. Some high-risk products may seem like a small investment for a big return, but in reality, they may jeopardize your principal.

One must learn to know when to stop and not reveal all their inner desires.

Especially after fifty, don't think you can achieve great things late; times are changing, and your wisdom reserve may not keep up with the era's trends. Past experiences may also become obsolete; don't overestimate yourself and underestimate the pace of change.

Fourth: Be a person who is not close to human feelings and dare to distance yourself from the 'relative circle'.

Once you have money, relatives will come sniffing around. Some want to learn how to make money from you, while others hope to borrow money to buy houses or cars.

Some relatives may ask you to borrow money for a wedding. As for when they will pay you back, who knows.

When relatives try every means to benefit from you, you should learn to refuse.

In the coming years, it will be difficult for everyone to make big money, which means that relatives who borrow money will repay very slowly. Some relatives who borrow money for investment directly pass the risk to you.

Some relatives may borrow money to invest but then directly say, 'The investment failed; I can't pay back the money. There's only one store; you can take over.' Leaving you with a mess is very helpless.

Stay away from the relative circle; you may lack warmth, but your life will be much easier. Really, don't lend money out; live every day in fear and lose sleep.

Fifth: Be a person who cherishes family and don't engage in the 'wine and women circle'.

When you have money, life is very lively. But have you ever thought about who accompanied you when you had no money? Most of them are family.

When you are drinking with others, everyone hopes you get drunk, but only your family wishes for your early return, worrying that drinking will harm your health.

And those who can love you for money. A moment of pleasure may ruin your marriage.

With more savings and better days, don't forget to bring your family along, and rely on their supervision to live a solid life with warmth.

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What will happen in the next five years? We can only walk and see, don't easily take big risks.

Learn to seek progress while maintaining stability, don't blindly invest, don't easily believe in opportunities for great wealth, and don't lend money to others for investment.

Always consider how to live the second half of your life.

If your savings are substantial and your spending speed is not fast, then you will have nothing to worry about in the second half of your life.

There is no banquet that does not end; even friends who have fought together will scatter once they reap their benefits. In the future, learn to walk alone and enjoy happiness by yourself.