True freedom does not lie in spending recklessly at will, but in having the ability to control one's financial situation. And all of this often begins with keeping one's wallet secure.
Debt is the shackles of freedom.
Many people mistakenly believe that debt is a kind of "lever" that enables them to enjoy a better life earlier. But in fact, debt is more like an invisible chain, causing people to lose their choice options unconsciously.
Heavy psychological burden: Debt brings continuous psychological pressure. The fixed repayment date every month is like a sword hanging over one's head, preventing one from truly relaxing.
I have seen many clients who, despite having a decent income, have fallen into long-term anxiety due to mortgages, car loans, and consumer loans, and even suffered health problems as a result.
Once you get into debt, your income is no longer entirely yours. The first thing that happens when your salary is credited is to pay off the debt, rather than saving or investing.
In the event of unexpected situations such as unemployment or illness, it is very easy to fall into a financial crisis.
Saving money is the true source of confidence.
Contrary to debt, saving is the cornerstone of financial freedom. Even if you save just 1 yuan every day, you can accumulate 30 yuan in a month, and 360 yuan in a year. Although the amount seems small, the key lies in developing the habit.
Security comes from savings: When you have an emergency fund, you won't panic when facing unexpected situations (such as unemployment, illness). Savings are like a cushion in life, giving you the confidence to deal with risks.
Opportunities belong to those who are prepared: Many people complain about lacking investment or entrepreneurial opportunities, but in fact, when opportunities arise, they often require financial support.
If you always live on the edge or even go into debt, even when opportunities are right in front of you, you won't be able to seize them.
When we were young, we wasted our youth carelessly, caring about nothing. But when you enter the senior industry, you will increasingly realize how crucial a continuous stream of income is.
The pension system is the best proof. How content the elderly feel when they receive their pensions.
Cover your wallet, control your desires, learn to save, and only then will you have more choices in the future.
