Everything is moving forward and changing along the preset track. Some customers have changed and changed, some customers have suddenly gone bankrupt, some staff have suddenly changed jobs, and the number of customer bases maintained by the company has gradually declined.

Among them, in addition to the fact that I am gradually entering middle age, maybe I already have everything I should have, or maybe I have settled into a small life, and suddenly I find that I can no longer maintain the same body and mind as I did fifteen years ago.

Full of unlimited passion and enthusiasm, I have devoted myself to the development of new customers. Now that the post-90s generation has begun to work, I can't just run over with a bowl and basin and say to others: "Little brother, little sister,"

Give me some food for uncle to eat!

Life will always have ups and downs, ups and downs. I think the most important thing is to do the right thing at the right time. As I gradually pass my forties, I also clearly realize that the future is full of too many things.

uncertainty, just as my father told me before he was alive, you must work hard to manage your life before the age of forty-five, because it represents your life! So I am brewing my fourth one after coming to Kunshan.

Five-year plan, and began to seriously discuss my ideas with her,

"Dear, as we grow older, our ability to create wealth is declining. As labor costs and production material costs gradually increase, more and more companies will gradually migrate to Southeast Asian countries such as Vietnam and Thailand.

In fact, it was such a migration process after World War II. After World War II, the national strength of the United States expanded rapidly, and then quickly migrated to Europe, and then in the 1970s, it migrated to Southeast Asian coastal countries such as South Korea, Japan, etc.

, Taiwan, Singapore, and China’s low labor costs after the reform and opening up have attracted the third wave of transfers and migrations. Now it should be the fourth wave of migration.” I was analyzing the world pattern after World War II with her.

Formed, and then my words changed, "The limitations of our industry are becoming more and more apparent. Prices in the service industry have remained relatively unchanged or are even declining, while the increase in labor costs has accelerated.

has offset and compressed profit margins. Fortunately, we are an asset-light service industry and there is no pressure on assets and liabilities. However, we should clearly understand the difficulties that may arise in the next five years and beyond. We

It’s time to seriously formulate a plan for the next five years.”

"Then what do you think should be the next five-year plan?" She was always a little confused.

"In my opinion, we should still use economic indicators as the assessment parameters. We should settle the entire loan balance of this house within five years, because my son will graduate from college in five years, and he may face problems after graduation.

In order to get married, I need to prepare a large sum of money. The future has not yet arrived, but it will definitely appear as I want it to, so we need to make arrangements and plans for the future." I expressed my thoughts and plans.

view.

"Anyway, since I followed you, I have been repaying the loan non-stop. I have never stopped. I am speechless!" In addition to being confused, her words also contained the usual complaints.

"You don't have to worry too much. I have carefully analyzed and studied it. In fact, this mid-life crisis has always existed. From the time my father started to middle age, he was still faced with the situation where there are seniors and juniors, and they have to fight for it.

Xi Minato bought a wedding house for his son, and gradually entered an awkward situation financially. Then half a year later, the brothers who were more than ten years older than us also had similar problems. This is

It always exists; in fact, we have already made good arrangements. We only need to clear all the loans within the next five years, and there will be no problem! After all, my father-in-law and mother-in-law have their own pension and medical insurance, and we will not need to bear too much.

, even if your mother-in-law does not have retirement and medical care, and only has urban residents’ insurance, she still has 2,600 pocket money every month. We only need to go to Huashan Hospital every year to hospitalize her and monitor the balance of the dosage of hormone drugs; so

We still need to continue working hard for five years. Believe me, after we complete the fourth five-year plan, we will not let you continue to repay the loan!"

"What should we do specifically?" She was still a little confused.

"It's very simple! The annual rental income must not be used for other purposes. Use it to repay 200,000 yuan in advance every year. In five years, the loan will be completely cleared." I continued, "The solution to the money in the stock market is

Don’t trade in the stock market again after using these tricks. It’s impossible for us to make money through all kinds of tricks. Facts speak louder than words. We did lose a lot of money here. Think about it, we haven’t made any money in the stock market in the past ten years.

The money we got was cut in half, and on the other hand, we still have to pay back the bank's high loan interest. This is really a loss-making business! Instead of doing this, it is better to clear out the house and pay off the loan in advance or buy a new car!"

"No! I won't touch the money in the stocks. I want to continue playing stocks!" She seemed to not see the problem at all, but was blindly immersed in her self-entertaining and self-righteous stock trading.

In happiness.

"What do you want? What I have observed and learned before is this: after the stock rises and you make money, you don't sell it in time to turn into real and ready-made profits. Instead, you are immersed in a kind of utopian happiness.

Every day, you cheered for the fictitious profits on the books; then, after the stock fell, you ignored it and fell into a negative and pessimistic mood. What is the purpose and significance of your doing so?

What? Not to mention the fact that it has been cut in half, even if the capital is guaranteed in the past ten years since entering the stock market, more than half of the purchasing power of these funds has been offset by inflation. Why can't you see the problems here? ", I really can't.

Understand her lack of intelligence.

"I will definitely not touch the funds in the stock anyway!" Her self-righteousness reached the point of being unreasonable.

"Then let's use this matter as a spare tire first! When we need money urgently in the future, we can make adjustments! I'm afraid that when money is urgently needed in the future, I can only buy a sheep with this money. I

I still hope you can seriously consider my opinion!" I reminded her again and again and hoped that she would take my opinion seriously. "In this case, we will follow the established strategy and repay the bank loan of 200,000 yuan in advance every year for five years.

Clear all the loans within the time limit!" I no longer had the energy to argue with her anymore. God opened one door for her, but closed two windows, and gave her a perfect face, but closed it.

Her emotional intelligence and IQ.

The crisis between me and her is not at all due to a rift in our relationship. Sometimes I am also very confused and depressed: Why can a couple achieve the effect of "1+1 is greater than 2", but why can I be "1+1 is less than 2"?
Chapter completed!