2020年2月14日 星期五

節儉存錢是為了有選擇


有個年輕朋友想換工作,新工作薪水比目前低兩成但比較有未來性,朋友苦惱來問尼莫怎麼選?
其實有點疑惑,因為低兩三成也就每月差個幾千塊,考慮未來性犧牲一兩年的每月幾千元也就十幾萬,用十幾萬換更寬廣的未來有什麼好遲疑的呢?

深入聊才知道原來這個年輕朋友是月光族,工作幾年一點存款都沒有,且習慣每月花那麼多錢了也擔心收入少了支出少不了會透支變卡奴

講到這邊就沒什麼好講了,沒有扛學貸的人,工作幾年了還沒有存款,又不願調整生活模式減少花費,這樣還談什麼想選擇更好的發展?

選擇的前提是你要有本錢選,本錢就是靠降低物慾(這不等於降低生活品質)和減少不必要開支存下來的,沒有前面的節儉存錢,就沒有之後的選擇本錢

這也是尼莫每次講座都會提醒年輕朋友要多存錢的原因,一方面這樣才會有足夠本金開始滾雪球,另一方面有點錢在手上人生的選擇權才會寬廣

書到用時方恨少,錢也是,所以能存時就要多存

2 則留言:

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