The so-called view on money is the view on wealth. This is also the key point that Jing Gao wants to ask.
Since he got the Shenhao Card, he has actually been very restrained. He always reminds himself of people and things on the Internet who suddenly became rich but ended badly. He saves money three times a day, so that he can finally control the power of money.
As the saying goes: A gentleman who is knowledgeable and examines himself every day will know clearly and act without fault.
So, Duan Yongping and other trend-setters who have made money in the tide of the times by relying on their own abilities, how do they view "money"?
“Mr. Jing, this is a good question!” Duan Yongping looked at Jing Gao with interest, and was very satisfied with Jing Gao’s question. This was not something ordinary people could ask.
Most people who are willing to think about this problem may not have money, or enough money. Among those who are capable of thinking about this problem, few will think about it.
The problem that most of the first generation of self-made rich face every day is business pressure. The second generation of rich people are born with good food and clothing and take everything for granted. They will not think about this essential issue at all.
"Mr. Jing, I still have a normal mind as I just said. I have seen too many examples where many people become unhappy because they have money. And I personally think it is stupid for a person to become unhappy because of money.
of.
I have actually gone through this stage. As I see more and more money on my books, I feel that it is a disaster and a trouble no matter how I think about it.”
As Jing Gao drank tea, a collection of Ma Yun's pretentious sayings naturally came to mind: "It's painful to make billions a month." It was actually difficult for him to understand Mr. Ma's thoughts. But for Mr. Duan, it was so
I mean, it feels a little vague.
“Is it because of California’s tax system?”
Many bosses in the country frequently announce in the media in a high-profile manner: Until the company's X goal is achieved, labor and management will not receive wages. Or they will only receive a symbolic salary of 1 yuan.
In those years when the Internet was in its ascendant, ordinary netizens were really moved to death. But the real reason is now known to all netizens on the Internet, because China’s tax rate is very high for the rich.
As long as those bosses dare to take wages, almost half of a month's salary must be paid to the state as personal income tax. And if the bosses only take dividends, according to the law, they pay 20% directly. Anyone would be willing to take only 1 yuan or not take it at all.
Money!
(Note: This is the standard before the implementation of the new tax law in 2019. The current personal income tax is comprehensive withholding.)
Duan Yongping smiled calmly and said: "There is a factor in this aspect. The personal income tax system here in California, based on my income, the federal tax and California state tax add up to about 45%. If it is long-term capital gains, that is, more than one year
The total of investment income, federal tax and state tax is 25%.
However, if you donate stocks directly to a charitable foundation or other public welfare organization, you only need to pay a maximum of 2%.”
Jing Gao just wanted to say one thing in his heart: Damn it! The capitalist world is just for fun!
The most direct way for the poor to avoid taxes is to use cash transactions. How much money can be avoided? The rich directly donate capital to charitable organizations and only pay a 2% tax. Sure enough, the law serves capital!
No wonder, when he communicated with Professor Jin and Professor Zhai, he got this information: The U.S. government’s tax reduction plans usually reduce the taxes paid by the rich. The truly inclusive policy for the poor and the people at the bottom is very
Less.
Judging from his experience half a month ago, Bill Gates donated all the Microsoft stocks he held to his "Gates Foundation". How much tax can this "reasonably" save?
Let me go!
"My wife and I have similar views. We can't leave all the money to the child. The greatest support for the child is to give him the best education. Leave him some money as a backup so that he will not be impoverished. In my life, I have worked in business
I have grown up and enjoyed a lot of fun in the investment process. Leaving a pile of money to children will only deprive them of future fun. The most important thing is to let them earn it themselves.”
Duan Yongping ate Cantonese food and rice with a smile, waiting for Jing Gao to think. He believed that with Jing Gao’s understanding and wealth, he could understand his journey, and there was no need to say more.
For a while, the dining table was a little quiet. The four of them were eating separately.
Jing Gao pondered.
He roughly understood why Duan Yongping had such thoughts and views on wealth.
…
…
The rich's view of money is completely different from the ordinary people's view of money. For example, most of the daily expenses of the rich are held in the company's accounts, which is a reasonable means of tax avoidance.
Like Ma Yun’s car before retiring, the nationally famous Maybach. It is actually the property of Alibaba. For the daily expenses of ordinary people, we spend as much as we earn!
This will of course bring about a completely different view of money: the rich will focus on the funds of companies, funds and other entities. What they focus on is the funds they can control! But we can only focus on our own pockets and bank cards!
This is the essence of the different views on wealth!
The first point, Duan Yongping said, looking at the increasing amount of money on the books, no matter how much I think about it, I feel that it is a scourge and a trouble.
This is called, the troubles in life are different.
For ordinary people, the only thing they hate in life is not having enough money! The house is too small, the car is not luxurious enough, the school the children attend is not good enough, the wife is not beautiful enough, there is not enough money...etc.
For wealthy people, what are their first problems?
Tax avoidance!
Who is willing to pay taxes on their hard-earned money? Or leave a sum of money to their children, only to have to pay a huge inheritance tax? Everyone wants to avoid taxes reasonably!
Of course, the saying that money is a scourge can only be said after you have enjoyed everything. Because money has magic power, and you will get lost in it accidentally and eventually be drowned by "money".
Second point, don’t leave too much money to your children.
This "not much" is relative to Duan Yongping's net worth. If a person does not mess around and just enjoys a life of fine clothing and fine food, it is estimated that one or two hundred million US dollars is about the same.
From the perspective of educating children, giving too much money is destroying them. The right one is the best.
…
…
Jing Gao's understanding of this concept of wealth is not deep enough. Because he is still in a high-consumption age! How can anyone under the age of thirty have such an awareness? If he didn't have an unlimited card, he would
Most of his companies are losing money! He still has to worry about not having enough money to spend.
Duan Yongping is in a low consumption stage of life. He is 57 years old this year and belongs to what Professor Zhai said: a low consumption group.
"Mr. Duan, I agree with your point of view on children's education. As for how much money to leave for him, I will think about it later! However, I have an idea. If you have any charity projects, Mr. Duan, I am willing to donate a little.
Come to realize it slowly!"
Jing Gao had done some homework before coming here. Ding Sanshi followed Duan Yongping to do charity. It was inappropriate to directly invest money in Duan Yongping's family fund. However, they both graduated from Zhejiang University. They have this relationship.
exist.
It was worthwhile for him to invest some money in charity and maintain contact with Duan Yongping, the godfather of business.
Duan Yongping smiled and said, “Okay!”
He is a veteran, and what Jing Gao said is very clear. He is willing to follow his business and wealth concepts and slowly understand them. Personally, he does not lack money for charity. But he does have a heart for charity.
.He would be happy to have more funds come in.
In any case, Jing Gao did not leave any money for him to manage, but after he found a suitable project, Jing Gao followed up and invested a little.
Jing Gao raised his tea cup and said, "Mr. Duan, here's to you. As a parting message, I wonder if you have anything you can say to me?"
Duan Yongping smiled slightly and said: "If I must say it, it would be: enjoy life. This is the purpose of people coming to this world."
After the meal, Jing Gao and Duan Yongping took a group photo together. Dong Youwei exchanged contact information with Duan Yongping’s assistant and said goodbye at the door of the Chinese restaurant.
…
…
The black Cadillac moved forward slowly and returned to the four-star hotel in downtown Palo Alto.
The car is a bit quiet.
Dr. Song drove the car, and Dong Youwei sat in the passenger seat. Jing Gao asked: "Youwei, what do you think of Mr. Duan's point of view?"
Dong Youwei was taciturn and did a very good job of figuring out "Shangyi". He knew that Jing Gaowen's view on wealth was not about business, so he smiled and said: "Mr. Jing, I don't have that much money. I want to
I can’t learn from you.”
Jing Gao leaned on the car seat in the back and said with a smile: "Youwei, are you married?"
“I’m married. I haven’t had any children yet.”
“Dr. Song, what about you?” Jing Gao asked again.
Dr. Song, who was driving, smiled a little cautiously and said, "Mr. Jing, I'm still talking to my girlfriend. We have to wait two years for marriage."
In fact, as the general manager of the Phoenix Fund's Silicon Valley team, of course he had heard of Duan Yongping, a well-known investment tycoon in the Chinese American community. But he just had something to deal with and couldn't eat at the same table.
I can take a bite and listen to it next to me.
What he does is venture capital, which is completely different from Duan Yongping’s value investment philosophy.
Jing Gao nodded, said nothing, and pondered slightly.
In terms of business, he still admires Duan Yongping's ideas, and he indeed explains many things thoroughly. In terms of wealth, he does not fully agree with it and only has partial answers. After all, he is not yet thirty years old!
But Duan Yongping’s last words, he agrees with: enjoy life.
Duan Yongping enjoys life by playing golf, meeting friends at home and abroad, educating children, investing in his spare time, and managing accounts for his friends. His main job is charity.
What is his enjoyment of life?
The stimulation of hedonic pleasure is only temporary happiness. After passing that stage, you will not be particularly nostalgic. Only by maintaining your own interests and hobbies and arranging your own life can you enjoy life!
Although he did not get a consistent answer to Duan Yongping’s “view on wealth” and his views on money, it was still quite inspiring to him.
He still has a long way to go!
…
…
Back at the hotel, Weiwei and Chen Yujie had not returned from their visit to Stanford University. Jing Gao sent them a WeChat message, took a shower, and checked the time difference online. He would definitely not be able to remember the time difference between the two places.
The time in China is 16 hours ahead of the time here in California. It is now around two o'clock in the afternoon. It is around ten o'clock in the evening in China.
Jing Gao thought about it for a while, sat on the sofa in the hotel living room, and called Zhang Li, "Xiao Li, do you have Liu Ziyu's phone number?"
At the beginning of August, Zhang Li was a junior at Fudan University this year. She was still in the summer vacation. However, she did not go back during the summer vacation. Instead, she worked in the Magic City Branch of Taichu Group. That is, she worked for Nie Yunxi and Chen Qingshuang.
Zhang Li is currently studying seriously in the rented dormitory on campus. Her study task is very heavy, not only the university courses, but also various study materials in the company. "Mr. Jing..., Liu Ziyu and Song Yan
Already broken up."
To be honest, Zhang Li was shocked. Liu Ziyu is Song Yan's ex-girlfriend. She thought that Jing Gao asked her for Liu Ziyu's mobile phone number because he was preparing to cause trouble for Liu Ziyu.
She is a college student who has not yet left school, and she has conscience and justice in her heart! And she dares to talk to Jing Gao like this because she once accompanied Wang Hanjun to Shencheng, saw Jing Gao under heavy pressure, and knew that he was a
what kind of person.
Jing Gao couldn't laugh or cry, "Xiao Li, where did you want to go? I have something to do with her, uh... I told you, please keep it a secret! I made Gu Xixi angry before I went abroad. I'm going to bring a gift to her
She apologized. I can't ask Han Jun about this, right? Although you know Gu Xixi, I guess you don't know what Gu Xixi really likes. Liu Ziyu must know!"
Only then did Zhang Li feel relieved. She patted her chest gently and breathed a sigh of relief. She had just finished taking a shower. Her breasts under her T-shirt were round, tall and straight, as fair as jade, with graceful curves. They swayed slightly with her movements. Her apologetic little
He said: "Mr. Jing, I'm sorry! I'll send it to you via WeChat. Do you want me to say hello to Liu Ziyu first?"
"No. I'll just call you! Xiao Li, please keep it a secret for me!" Jing Gao refused Zhang Li's proposal. With his status, he could just call Liu Ziyu directly. She couldn't refuse.
Zhang Li couldn't help but smile. Under the lamp, the girl's face was flawless and very beautiful. Her slightly thick lips gave her an unspeakable sexy taste, and she also had the youthfulness of a 20-year-old girl, "I know, Mr. Jing!"
"
In fact, Mr. Jing's request seemed quite scummy to her. Sister Xixi was so beautiful, and it was obvious what he wanted to do by buying gifts to coax Sister Xixi. But, wasn't Mr. Jing just such a romantic person? She didn't even think about it in her heart.
He is sorry for Sister Hanjun.
Keeping a secret with him made her feel a little strange. With her intelligence, she couldn't help but think about it, Mr. Jing wasn't using this phone call to trick me, was he?
…
…
Liu Ziyu is a student of the School of Journalism. During the summer vacation of her junior year, according to the school's arrangements, she is interning at a new media company in Shanghai. At around 10 o'clock in the evening, she was tired from the company all day and was in the school dormitory.
I was about to fall asleep when I received a call from Jing Gao. I was so excited that I almost fell off the bed when I heard Jing Gao announcing his home address.
The layout of their dormitory was with a bed at the top and a desk at the bottom. She couldn't answer the phone in the dormitory in the middle of the night. She was going to answer the phone in the bathroom. When she climbed down, her legs felt a little weak. After finally getting to the bathroom, she said anxiously
: "Mr. Jing, what's going on?" His voice was trembling.
“Liu Ziyu, don’t be afraid, you and Song Yan are over. I won’t trouble you. That’s it. I want to ask about Gu Xixi’s hobbies?”
