The logic of making money has changed. How to achieve a monthly salary of 65438+ 10,000? (depth analysis)

There is a classic question on the internet-is it difficult to earn a monthly income100000? Many people find it harder to earn money than before, and traditional industries are even more miserable. In fact, the logic of making money has changed

Now China has entered a higher level of "capital economy" era.

What is the era of "capital economy"? In short, it adds a "lever" to the market economy. In physics, the role of "lever" is to use "arm of force" to amplify "force" and tilt the mass of the object. With this lever in the economy, its activity space and flexibility are greatly enhanced, which is the so-called "capital thinking". China people in the future must deeply understand and use the tool of "capital thinking".

Capital thinking

If you want to learn "capital thinking", you must first understand what "capital" is. Does "capital" only refer to money? No, capital is the "dominant power" over resources, and it brings more dominant power through resource domination, which is called "capital operation". Optimizing the allocation of social wealth and maximizing social efficiency through "capital operation" are the social values of "capital operation".

Because capital is profitable and value-added, it pursues profit maximization. This will promote the allocation of social resources in the direction of maximizing efficiency and benefit. Social resources will flow into the most efficient countries and regions, the most efficient industries, the most efficient enterprises, the most efficient projects and the most efficient individuals in turn. The profit-seeking of capital promotes the optimization of resources, and the optimization of resources produces new capital and new opportunities, so it expands in the cycle.

For example, in physics, graphite and diamond are both allotropes and simple substances formed by carbon, but their physical properties are very different and their values are very different, just because of their different compositions and structures.

Therefore, the essence of capital thinking is structural reorganization. That is, the adjustment of the time and space and structure of resource molecules, thus producing the value-added effect from graphite to diamond. Macro-capital operation is the resource reorganization of the whole society, such as the reorganization of state-owned enterprises in China, which will greatly change the economic structure of China and improve the operating efficiency of the whole society. When a social economy relies on "capital operation", it enters the era of "capital economy".

Economically speaking, there are only three kinds of people in the future society.

1, first, resources. They are the most direct owners of resources and make a living by selling their own resources, such as farmers relying on cultivated land, workers relying on physical strength, doctors relying on technology, writers relying on writing, and teachers and lawyers.

2. Second, configurator. It doesn't matter who owns the resources, the key is to have the distribution right of the resources. This kind of people make money by allocating resources and engage in the input-integration-operation-output of resources, mainly entrepreneurs, and entrepreneurs also belong to this category.

3. Third, capitalists/investors. They are farthest from the resources, but all the resources are under their control. They just hide behind the scenes and play operation games. Venture capitalists belong to this kind of people, such as Sun Zhengyi's investment in Ma Yun and the listing of Alibaba, which made him a great success. Capitalists have no national boundaries, and they can control the flow of global resources; You can control many other people's assets through the financial system.

So resources are nominally owned by resource owners, but in fact they are all owned by capitalists. The key to seeing how much energy a person has is how much resources he can allocate.

According to these three different role-playing, how can individuals gain wealth in the future? There are only three ways: selling resources, allocating resources and mastering capital.

1, resources (ordinary people)

"Resource people" live by selling their own resources, that is, the skills of resource people, that is, time+physical strength, which is also the most distributed group in society.

Therefore, ordinary people can only find jobs in the company and sell themselves for money. But ordinary people have similar time and physical strength, and the resources they can sell are similar. Therefore, if you want to sell your resources at a good price, you can only improve your skills and proficiency.

Reading is a common practice at this time, which is why parents want their children to study hard, and why graduates of Tsinghua Peking University generally have higher starting salaries than those without academic qualifications.

But now the skills gap brought by diplomas is getting smaller and smaller. There is no essential difference between an ordinary one-year-old student and a two-year-old student. On the contrary, the added value is not as high as that of a good man who studied excavators in Lan Xiang. This is because the former is more than the latter, and the latter pays more attention to practice. The relationship between supply and demand determines the price of resources, so the theory of reading uselessness has long been popular.

Therefore, if you are just an ordinary person, you can get higher and rarer skill values through reading; Or you can improve your practical ability by loving thinking, being a man and practicing a lot.

In addition, for "resources", there are natural rare resources, such as appearance. Ordinary people who are good-looking can get a lot of extra wealth in their daily marriage, work and life; If you are good-looking and lucky, you can enter the entertainment circle. After becoming a star, your own resources become scarce resources, and the price of resources is much higher than that of ordinary people!

However, in general, it is difficult to change the essential condition of "resource people" by appearance, and only a little improvement can be made. Wang can't surpass Andy Lau in appearance, even though he is a fitness+maintenance+professional styling design, so he is a fool and Andy Lau is a thief. Moreover, the appearance is not necessarily as beautiful as possible. Wang He's appearance is also an indispensable part of their success.

All ordinary workers, white-collar workers, professional managers, and even Tang Jun, the "working emperor" of that year, and major stars belong to "resource people". This kind of person is characterized by limited wealth.

Sometimes they work hard all their lives, but when they encounter a serious illness at home, they almost collapse. It is sad that some people need to work three jobs to support their children and patients. Professional managers earn a few dollars, and the dead stars are not as good as ordinary people.

Of course, some people are born with scarce resources. For example, the rich second generation can inherit a number of scarce resources such as inheritance at birth. Another example is the children of stars, who are born with scarce resources that the media pays attention to; For another example, some people live in a broken yard in the city center, and they can get a lot of wealth as long as they are demolished; You are born with scarce resources in your place, or you are particularly lucky and won the lottery, which is also a "lucky" scarce resource.

This kind of wealth, can be met but not sought, can only rely on luck. Moreover, these lucky "resource people" often don't know how to manage resources. Their wealth is unsustainable, unable to increase in value, and even often wasted. Stars and rich second generation will take drugs when they are lonely, their inheritance will be exhausted, and the grand prize will be squandered. Demolition money is often used for gambling. ...

Of course, there is the last one I didn't mention, which is the risk of selling. If I am willing to risk imprisonment and death, I will steal, rob and cheat. I once read a news that someone robbed a bank and got millions, then absconded and started a real estate business anonymously. A few years later, my family's property exceeded 100 million, and my colleagues were also arrested. Therefore, if you earn money like this, your wealth will increase, but the risks you take will also increase, and it is not worthwhile in the end.

2. Configurator (business owner)

Such people are not the direct owners of resources. They often design the allocation of resources through their brains and make money by optimizing resources. Entrepreneurs fall into this category.

The most important factor of production in slave society is "manpower" (that is, slaves); The most important factor of production in the feudal era is "land", and the most important factor of production in the capital era is "capital". The essence of capital is the allocation of resources.

According to the definition, an entrepreneur is a person who is engaged in organizing and managing resources and taking operational risks. The income of an entrepreneur is directly proportional to his allocation efficiency, and there is no upper limit. But at the same time, we have to take risks for our own resource allocation, and the lower limit is bankruptcy.

Why do many people want to start a business? Because they want to climb from the first type to the second type. Once you upgrade from "resource person" to "configuration person", it means that you don't have to sell your skills, but start to manage your thoughts and wisdom, and your personal and economic freedom can be realized, thus realizing your personality freedom.

But not all "resources" are suitable for starting a business. They should have certain culture, vision, courage, innovation, opportunities and capital. Distributors are the most important group in society. Their quality and quantity determine the efficiency of resource allocation in a society and represent the level of productivity. Configuration personnel are in great need of innovation. The so-called innovation is their control and deployment of new products, new markets, new production methods, new organizations and new sources of raw materials.

There is a need to mention the upgrading of entrepreneurs in China. More than 30 years ago, China began its first reform and opening up. At that time, the whole of China was in full swing. The environment was the best opportunity at that time. As long as people who boldly make a living, even if they have no education or knowledge, they have become entrepreneurs. This was caused by the environment at that time.

198 1 year, China merchants shekou issued this slogan, and a group of real businessmen appeared in China.

With the deepening of China's reform and opening up, great changes have taken place in China at this time, which also puts forward higher requirements for the quality of entrepreneurs. For example, in Europe, America and Japan, entrepreneurs are always the elite of society. China below, without certain cultural accomplishment, ideal pursuit and deep understanding of innovation, can hardly become a "configurator" of society. Therefore, the entrepreneurs in China are upgrading, some entrepreneurs born after 1990s come to our sight, and many old entrepreneurs voluntarily withdraw from the historical stage, which is the development of the times and inevitable!

Of course, these qualities can also be created the day after tomorrow. Bill Gates had been a programmer for seven years before he became rich. All the efforts made the day after tomorrow, "resource people" can be completely transformed into "configuration people" However, acquiring wealth is only one of the signs of their success. Loyalty to the cause and responsibility to the society are the "peak experience" and inexhaustible motivation of entrepreneurs.

3. Capitalists/investors (behind the scenes)

The wealth of this society seems to belong to scattered "resources", but in fact it belongs to "distributors" But in essence, it belongs more to capitalists!

The definition of a capitalist is: a person whose business is capital operation. After the second industrial revolution, entrepreneurs who master science and technology can quickly accumulate huge wealth, and their enterprises have great influence on a country. These enterprises constitute the economic lifeline of this country. In order to obtain high profits, enterprises manipulate and control the production, sales and price operation of one or several departments through mutual agreements or alliances, thus forming a monopoly. At this time, "entrepreneurs" began to sit behind the scenes and manipulate all this, evolving into.

The biggest difference between "capitalist" and "entrepreneur" is that capitalists do not directly participate in the operation and management of enterprises, but manipulate the macro-thinking of enterprises behind the scenes. The products of enterprises are all kinds of consumer goods, and the products of capitalists are enterprises. Through investment, shareholding, merger and reorganization, we will control the future of the enterprise in our own hands. Sun Zhengyi invested in Ma Yun and completed Alibaba. Ma Yun is an entrepreneur and Son Zheng is a capitalist. Masayoshi son has n Ma Yun in his hand, making him the richest man in Japan. Another example is Buffett, who is also a capitalist, sitting in his hometown to make investments and manipulate the layout.

The United States is a free market economy, but why is it called a "capitalist" society? Instead of a "self-marketism" society? Because in such a society, "capital" is the standard to measure and decide everything. In ancient China, it was useless for you to have money. Officials can copy your property at any time. If you have money, you should pay bribes to power, buy officials and sell them. And as long as you have the power, even if you have no money, you can live a rich life and eat and drink, so this was the official standard at that time.

A company once said that it never does research and development, let those small companies in the market do research and development. If they succeed, they will spend money to buy it. If they don't sell it, they will spend money to dig up several cores of this company. This is capitalism. Of course, ignoring intellectual property rights is problematic. The correct way is to spend money on it. )

If you have a capital of 654.38 billion, you can spend/kloc-0.0 million to hire the smartest people in this country, change your capital from 654.38 billion to 200 million, and you will earn 90 million in bed. And all this, just because you are engaged in capital operation, you only need to be smart and enterprising, do not need strength, do not need time, do not need beauty.

?

What we need to understand is that the third kind of people earn more money than the second kind, and the second kind of people earn more money than 1 kind of people. So 1 species is trying to evolve into a second species, and the second species is desperately evolving into a third species.

There are very few people born with capital in China, and most of the third people have evolved from 1 or the second people. Although this evolution is becoming more and more difficult now, it is not hopeless, because it will be more difficult in the future. This is the solidification of strata and the decrease of mobility between strata.

Everyone is trying to find a way. Some people succeeded, others failed. There are only two reasons: how smart is your mind? Or how much capital have you accumulated?

You come up with an idea to improve your mobile phone. You think this idea can make a lot of money, so you have to ask yourself, do you have the money to run this idea? In the same way, Samsung Huawei can control more funds, hire better engineers and promote it better. Are you sure you don't want to reward these capital owners? Or is it a dead end that countless people have gone through? For example, if you do software development, will angel investors ask you a word: "What will you do if a giant knockoff?"

The answer is: what can I do without work? You think you can make money by doing something else? A few years ago, I sneered at the crazy online delivery to make a lot of money. It is impossible to make much money in this industry without thresholds. You are willing to earn 1, 000 yuan to do it. Every minute, I'm looking for someone who earns 9000, and I'm looking for someone who earns 8000. Believe it or not. Finally, whether IT's delivery or stall, whether it's selling China buns or engaging in IT, it will be pulled to the threshold of average income. Because it needs to learn and earn more; Express delivery is harder, earning less than IT, but still more than cleaning, that's all.

So how did you evolve from 1 to a third person?

The first step is to run capital accumulation. Whether you are willing to work or make your own products (some people think it is entrepreneurship), you should complete capital accumulation first. This step is the most important. It is time to give full play to everyone's imagination and strength, such as setting up stalls, opening Taobao, making websites, making apps, speculating in stocks, purchasing overseas, opening design rooms, selling meat buns, shooting kindergartens, and so on. There is no best, only better. In short, this step is to sell your network resources and see if you sell them. Learn more, even if it's not for the diploma. How hard it is, as long as it's not selling health.

The second step is to make good use of capital and make money with it. How to make money with capital? Ask you a question and you will understand. If your family runs a small restaurant, you can earn 1 10,000 a month, but you need a chef. Your cooking level is very high. If you are a chef, the monthly net profit of the hotel is 1 ten thousand. If you hire a chef, it will cost 8 thousand yuan a month, and the hotel will make a net profit of 2 thousand yuan. How do you choose?

Answer: please cook! In this way, as long as you can use the monthly interest loan of 1000 yuan to buy another hotel, that hotel can also make a net profit of 1000 yuan. (Supplement: The income of this restaurant is 2000 yuan, the interest is 1000 yuan, and the net profit is 1000 yuan. Please don't leave me a message if you are not good at math, okay? Zhihu and Weibo are on the same level. As for you, you only need to set up 100 hotels in this way, and you can make a net profit of 65438+ 10,000 every month. At this time, you are traveling abroad and become the third kind of person.

Many people have been working, and it is easy to understand that they have not become the third kind of people. However, after the reform and opening up, many people still have no money, just because they are chefs, their sisters are waiters, and their mothers are in charge of cashier, that's all.

So, ask yourself how to become the third person in the future, that is, in a word: "Don't cook by yourself, hire a chef". If you can use capital to earn 1 yuan, it is more in line with financial thinking than selling your physical strength to earn 100 yuan.

In addition, intelligence and capital, if you only have one of them, remember, if you want to find someone who can cooperate with only the other, they are waiting for you!

In addition, even people with the same personality have different wealth. People who also sell their own labor or have the same capital have different mental and physical efforts and different gains. In other words, two identical wage earners or super rich second generation, one thinks hard and is willing to work hard, and the other plays games and sleeps all day. The former still has more wealth than the latter. However, compared with the super rich second generation who play games and sleep, smart and hardworking wage earners just add to their lives.

Rich man: I thought of one thing, set a goal and began to raise resources for it. Because of this kind of thinking, nothing can stop them from doing things, no money can be borrowed, no one can ask, no one can outsource, restrictions can be circumvented, enemies can make them up, and opponents can buy them off.

As the saying goes, sex is the same, and good is in personal leave.

Promotion of ordinary people

At the same time, once again, if you are an ordinary person, or think you are an ordinary person, but you are self-motivated, it is better to be pragmatic and move forward in a down-to-earth manner.

There was once a public relations manager of a company whose son was 5 years old. She has to go to work, do housework and take care of the children every day. However, she has a second-class interpreter certificate from the Ministry of Personnel and has the task of translating conferences around the world every month. She is also the tutor of this translation center.

After opening the blog, she updated more than 500 pages and had more than 2,000 posts, all of which were articles that she did her own interpretation practice every day, with an average of two long articles and one short article every day. She has been doing this for almost 10 years. As a non-professional girl, I have been working hard because I like English.

She said that 10 years ago, she once saw a survey report that a person needs to practice continuously 10000 hours if he wants to master a skill and become an expert. At that time, she calculated that if she practiced for five hours a day and 300 days a year, it would take seven years for a person to master this skill.

?

She said, "Fortunately, I know what skills I want to master. I just need to get into it right away. I don't have five hours. I can only study for three hours every day. It's almost 10 years now. I think I have almost mastered this skill. "

For another example, The Beatles had participated in 1200 performances before he became famous. But why have you been a civil servant for 10 years or just a small clerk? Why did you cook at home for seven years, but instead of becoming a super chef, you found your marriage itchy for seven years?

That's because you have no energy and enthusiasm to practice a skill. Going to work every day is just reading newspapers, surfing the internet and dealing with all kinds of trivial matters. Cooking every day is just to make the family run normally, so we don't have to watch it professionally.

Don't lament that you have no major after graduating from college. If you start from junior high school, 12 years of school education, even if you learn a skill for 2 hours a day and 300 days a year, there are only 7,200 hours, and there is still a gap of 2,800 hours; Even if you practice 1 hour every day after graduation, you still need 10 years.

Why are science and engineering people more likely to succeed? As long as they are professional counterparts, they are still doing something after graduation, and that is 1 8 hours a day. These 2800 hours can be filled in just over 1 year. But many of us, the content of work is not to practice skills, but mostly to deal with trivial people and things. In fact, we are wasting our lives.

Maybe you will say, I am an ordinary person, I don't want to be a family, I just want a quiet life. That's just your illusion. Time is running out. Your repeated actions every day are shaping you. You don't want to be anything, but you are destined to be something.

Five hours a day, if you spend it watching Korean dramas, turning over your mobile phone and playing games, you will become a bystander in life after seven years. What you are best at is telling other people's stories of success and failure, and you can't find anything to say about yourself.

Spend 1 minute thinking about what you want to do most, and then do it every day. After seven years, you will find that you can already make a living by doing this.

Even if you like shopping, is there a rule that you should try shopping for 3 hours every day? Maybe you feel happy at first, but every day, you will feel bored. If you persist, you will begin to doubt. What else can you find when shopping? What else can you do? Stick to it, after 7 years, you may become a fashionista, an image design expert, a street photographer and a clothing buyer. ...

How are you going to spend the next seven years, the next 10000 hours?