I understand the theory, but the key question is how to start?

Thanks for asking!

I really appreciate your thoughtful and accurate analysis of your current financial situation and goals.

I'd love to share some thoughts on how you can achieve financial freedom!

I'm so happy you asked this question! I really appreciate your accurate analysis of your current financial situation and goals. I'd love to share some thoughts on how to achieve financial freedom with you. The first reason I'll mention is this: "Wealth freedom = passive income > all expenses." This formula tells us that when a person has achieved financial freedom, their passive income can cover all expenses. In other words, when a person achieves financial freedom, they can freely dispose of their time and money without having

This formula is really helpful because it shows us that when a person has achieved financial freedom, their passive income can cover all their expenses.

In other words, when you achieve financial freedom, you'll be free to enjoy your time and money without having to work for a living.

Passive income is income that doesn't require any direct work or active participation. It's the opposite of active income!

It's usually a sustainable source of income, obtained through things like investment, real estate, stock dividends, royalties, and so on.

I'll leave you with one last thought: to achieve financial freedom, you've got to increase your passive income and reduce your active income.

But don't worry! Even if you don't have any passive income right now, you can still make it happen. The more active income you have, the more potential you have for passive income in the future.

I totally get it. Based on your current situation, it's not really possible to reduce your active income at the moment because you don't have any passive income yet.

So, the best way to boost your income is to be as proactive as you can be! For instance, taking a 15-day vacation doesn't mean you'll miss out on income for half a month. You can find ways to boost your passive income during those 15 days!

Reason 2: "Every penny you earn is the realization of your knowledge, and every penny you lose is a flaw in your knowledge. You can never earn money beyond your knowledge, and even if you earn it by luck, you will lose it by strength. There are countless ways in this world to harvest your wealth until your wealth matches your knowledge perfectly." I know it can be tough to make money, but remember that every penny you earn is the realization of your knowledge. Every penny you lose is a flaw in your knowledge. You can never earn money beyond your knowledge, and even if you earn it by luck, you will lose it by strength. There are countless ways in this world to harvest your wealth until your wealth matches your knowledge perfectly. You've got this!

This long passage implies that there's a very important relationship between what you know and what you do. It also implies that what you know affects what you do and what happens to you.

If you only know a little bit about something, it's only natural that you'll only be able to do a little bit about it.

If you're looking to gain more wealth, it's important to keep learning and growing! Expand your thinking, soak up new knowledge, and embrace new skills to adapt to changing environments and needs.

As it happens, the idea of "unity of knowledge and action" of Wang Yangming, a famous philosopher, thinker, and politician in the Ming Dynasty, also coincides with this passage.

The unity of knowledge and action is all about bringing together understanding and practice. Wang Yangming believed that people should combine knowledge with practice and embody theory through practical actions.

You know, it's only by putting what you've learned into practice that you can truly understand and appreciate the true meaning of knowledge.

This is what it really means when they say "knowledge is action, action is knowledge." It's all connected! Knowledge is the spark that gets you started, and action is how you make it happen.

Knowledge is the foundation for taking action. It's through learning and gathering knowledge that we can establish a solid foundation and direction for our practice.

Practice is the absolute best way to understand, consolidate, and develop knowledge!

It's only by putting knowledge into practice that we can truly understand and appreciate its deeper meaning, and then we can work on improving our abilities and qualities little by little.

The second truth gives us a helpful insight: often, the truth we understand only stays at the level of "knowledge" because without action and practice, this "knowledge" is also powerless.

For example, even though you know that "spending money is like running water, and earning money is like drawing silk," it can still be tough to figure out the best way to increase your income and reduce your spending.

Let's take another example. We all know that "active income > expenses, assets are currently greater than liabilities, savings are not large, less than 10,000 yuan." But how can we increase our assets as soon as possible in practice?

So, the truth is, it's not about understanding it, but about practicing it better. And the goal isn't to think about it, but to achieve it little by little.

I'm here to help you understand this truth so you can get started on your journey.

I really hope this helps!

Hi. The character is coming soon. I hope you're well.

It's been a while since we've connected. When you feel anxious, you need to motivate yourself and find ways to comfort yourself. Hugs. You're putting in a lot of effort, but have you seen any change?

You need to explore and see the concrete facts to know what can be changed.

I want to know what the first step is to "getting started."

"You understand the reasoning, but how do you get started?" I'd like to know exactly what you mean by "start." Is your goal clear enough?

The action plan needs to be more specific. What is the specific goal of taking a small step?

If you want a job in accounting, you need to stop hitting a wall when you look for a new job. Take a different path.

Let's be real about your financial problems.

You don't have much in savings, but you can still cope with the shortfall in income during this long holiday. Your anxiety is not short-term, but medium to long-term. With a current monthly salary of 2,350 and savings-type insurance premiums of 1,100, this configuration may already be stressful, but it's still reasonable.

The fastest way to boost your income or enhance your earning potential is to take on a part-time job. Alongside this low-paying but stable position, you need to focus on generating income.

I am confident that the above will be of help to you.

I am a potato farmer, and I know you. Thanks for your attention.

Hello! I can see you're feeling anxious.

Facing life's challenges, changes at work, and financial constraints, it seems like a sudden storm, leaving you feeling a little at a loss. But every predicament is an opportunity to grow, and you are ready to take on this challenge.

I admire your courage and resilience. It's rare to stay calm and plan when faced with a change.

Your plan can change as needed. This will help you stay calm.

Insurance is an asset.

It protects you against risks and is a long-term investment. You studied accounting and love learning about financial literacy, so you understand the importance of insurance.

It will be useful when you need it.

I have some suggestions for you. I hope they help you cope with the difficulties you are facing.

Plan your finances for the next half-month of vacation. See which expenses are necessary and which can be cut.

Make a long-term financial plan to ensure your assets grow.

2. Use your vacation to learn. You have a half-month vacation. Use this time to learn new skills or knowledge. Take courses related to finance or investment.

This will increase your income and make you more competitive in your future career.

3. Stay positive: When facing difficulties, try to stay positive. You can try to remind yourself that you can get through this and that you are capable of dealing with everything.

Also, try relaxation and stress-reduction methods like meditation, yoga, or reading.

4. Seek support. If you feel overwhelmed, talk to your family, friends, or colleagues. They can help.

You can also join communities or organizations to exchange ideas and learn from others.

5. Find extra income. You can work part-time or take on extra projects.

This will also give you more fun and a sense of achievement outside of work.

Life is like a marathon. We'll face difficulties, but if we believe and work hard, we'll reach the end.

You can do it! Go for it!

Good morning, my name is Coach Fei Yang. I believe that life is a beautiful journey, not for appreciation, but for growth and development.

I can sense your concern about financial matters. You are aware that your income is limited, and you are seeking ways to increase it while reducing your expenses. I am grateful for the opportunity to share insights as a financial planner.

?1. It would be beneficial to manage your wealth if you don't already do so.

Many people seem to believe that only those who have money need to manage their finances. In reality, however, it is important to manage your finances, regardless of your financial situation. This requires developing a scientific and accurate understanding of wealth management.

Firstly, it is important to consider what wealth encompasses. While tangible assets are undoubtedly valuable, it is also essential to recognise the significance of intangible assets, such as our bodies and health.

Some people may say that I am poor and have no wealth at all. They may be overlooking the value of their health, which is one of our most precious assets.

If we were to value a pair of eyes that see the light at 1 million, we would immediately have 1 million. Similarly, if we were to value a heart that beats normally and strongly at 50 million, we would immediately have 50 million.

It could be said that everyone is born wealthy. There is no need to envy others; we should cherish what we have.

Naturally, our focus here is on sharing and discussing tangible wealth.

It is often said that money cannot take care of you if you do not take care of it. If you do not manage and administer your money wisely, it may not bring you the financial security you desire.

2. Some suggestions for managing money

It is possible to manage money in different ways, depending on your circumstances. Even if you earn 2,000 yuan a month and have less than 10,000 yuan in savings, there are still ways you can manage your money.

It is worth noting that you have a sense of saving, which is a commendable financial management habit, particularly given your modest income. As the old saying goes, "You will never be poor if you don't count."

It might also be helpful to consider some tips for saving money. One approach could be to diversify your savings by placing them in different banks, with varying terms and at different interest rates.

It might also be helpful to divide your money into several parts, with the aim of aligning your financial decisions with the Standard & Poor's Family Asset Allocation Quadrant. This could involve allocating funds to different categories, such as: money to spend (living expenses), money to protect your life (insurance), money to make money (focus on returns such as funds and stocks), and money to preserve and increase your capital (safe and stable investments).

If you aspire to become wealthy, it would be wise to first focus on enhancing your value. When it comes to investing, it might be beneficial to consider investing in yourself. This could include activities such as reading a few books a month, learning a new skill, and consciously building a supportive network of friends.

You might consider starting a side business and exploring ways to monetize your skills. This could potentially lead to an increase in income and a reduction in expenses.

If you find that you are spending money unwisely, you might consider keeping a record of your spending. Over time, you may be able to identify areas where you are spending money, such as food, clothing, cosmetics/tobacco and alcohol, social activities, and so on.

It may be helpful to consider your spending habits and distinguish between necessary, needed, and desired purchases. This can provide insight into potential areas for change.

I would like to suggest that you read the book Rich People Are Not What You Think by Huang Qituan, who is the head of investor relations at Yiyi Psychology. I think you will find it very helpful.

I hope the above is helpful to you. I wish you well.

Should you wish to continue the conversation, you are most welcome to follow my personal homepage, "Heart Exploration Service."

In the course of one's professional life, one encounters a variety of challenges and decisions, particularly in the realm of financial planning and management. It is essential to possess the wisdom and fortitude to navigate sudden changes, such as alterations to work schedules, fluctuations in income, and even the realignment of personal financial objectives.

In view of the circumstances you have outlined and the concerns you have expressed, I would like to offer some advice from a new perspective.

First, let's examine the relationship between "plan" and "change." A plan is the path and steps we set to achieve a goal, which provides direction and motivation.

However, it is important to recognise that life is full of uncertainties, which may be external or internal. When plans encounter changes, it is crucial not to feel frustrated or discouraged, but to view it as an opportunity to review and adjust accordingly.

In light of the upcoming extended vacation period and reduced income, I suggest the following strategies:

1. Adjust the budget and optimize spending.

In the event of a reduction in income, it is essential to re-examine spending and identify areas where optimization is possible. For example, unnecessary expenses such as entertainment and shopping should be reduced.

It may also be beneficial to renegotiate with suppliers or service providers to obtain more favorable prices or conditions. By adjusting your budget and optimizing your spending, you can ensure that you can still maintain your basic living needs despite a decrease in income.

2. Conduct a review of insurance planning.

You have correctly identified insurance as an asset. In financial planning, insurance is not only about risk management but also a long-term investment and accumulation.

While insurance premiums may appear burdensome in the short term, they will ultimately become assets and a source of protection. It is therefore advisable to avoid reducing or cancelling your insurance plan, but rather to review your insurance needs to ensure that your plan provides adequate protection and returns.

3. Identify a source of passive income.

As you have already stated, the foundation of wealth freedom is that passive income exceeds all expenses. Given the current circumstances, while your active income may be impacted, you may wish to explore passive income sources to offset this shortfall.

For instance, you may wish to consider investing in financial products such as stocks, bonds, and funds, or obtaining passive income by providing consulting, education, and other services through online platforms. These sources of passive income can not only increase your income, but also help you diversify and stabilize your finances.

4. Enhance personal abilities and skills

While financial planning is underway, it is important not to neglect the improvement of personal abilities and skills. In your case, although you are already studying accounting, you can still continue to learn and improve your professional abilities.

Furthermore, you may wish to consider taking additional courses or reading further books on financial planning and investment to expand your knowledge and expertise. By enhancing your personal abilities and skills, you can better navigate future challenges and seize new opportunities.

5. Maintain a positive attitude and an optimistic outlook.

Finally, maintain a positive mindset and optimistic emotions. Financial planning and management is a long-term process that requires patience and perseverance in order to deal with various challenges and difficulties.

In the event of a reduction in income and an increase in expenditure, it is important to remain calm and rational, avoiding any tendency to give up or become discouraged. Instead, these challenges should be viewed as an opportunity for personal growth and development.

In short, financial planning and management is not only about the strategic use of money, but also a profound reflection of self-awareness and attitude towards life. In the context of ongoing change, it is essential to adopt an open and tolerant attitude and respond with flexible and innovative thinking.

Every adjustment and transformation represents an important opportunity for personal and financial growth. Through continuous learning and practice, we can gradually grasp the core essence of financial planning, achieve personal financial freedom and stability, and lay a solid foundation for the future.

Hello.

Your description made it clear to me how you feel.

You wrote in your description, "Don't change your mind too often, okay? Since the plan is already set, don't change it casually." This is reminiscent of the other sentence, "Obedience to military orders is not subject to circumstances." Think about this together and you may gain unexpected insights.

In the military and in business, plans are indispensable. What is needed now is an understanding of the meaning of the plan itself: why a plan is needed.

Planning is crucial for organization. This is a fundamental principle in military strategy, as evidenced by the ancient adage: "Before the troops move, provisions and fodder go first." This is, in fact, planning, but in the military it has become a textbook example of early publicity.

Furthermore, the success or failure of a job can be viewed as a strategic deployment or siege. As the saying goes, the best strategy is to attack the enemy's strategy. Strategy is also a kind of plan. This makes planning a crucial element.

Plans are confined to books or imagination. They change due to time and place. The initial change is due to weather, which is unpredictable. This is the easiest time to change the plan. As time goes by, there will be many differences in the plan.

Second, you wrote in your description: "Next month, I really won't have any money for half the month. The Internet cafe is going to be renovated, which is equivalent to taking a 15-day long vacation, so I won't have any money for half the month! I've tallied up the insurance premiums for each month, and it comes to 1,100 yuan (including the savings-type insurance). And my monthly salary is only 2,350 yuan. Next month, I'll be taking a long vacation, so it feels like money is flowing out like water, and earning money is like pulling silk!

I need to think differently. Insurance is not a consumer product. It is not something that is spent and then gone. It should be an asset. It just hasn't been put to use yet. You should trust yourself! You studied accounting, and you learn about financial literacy every day. You know that wealth freedom = passive income > all expenses. Right now, I should still be in the realm of active income > expenses. My assets are currently greater than my liabilities, but I don't have much in the bank. Less than 10,000 yuan. "Every penny you earn is the realization of your knowledge, and every penny you lose is the flaw in your knowledge." From your description, I can feel that there is not a compelling reason to change your plan. Rather, from the perspective of the plan itself, what you have described is just a plan that is nominally called a plan.

This is why it's crucial to regularly update the plan's conditions.

Finally, Socrates said, "A life without review is not worth living." People must focus on reflection and examining themselves. I will apply this to the quote by saying, "A life without planning is also not worth living." Every day, I will make a list of plans, categorize and prioritize things according to their importance using the 80/20 principle, and give priority to completing challenging or important tasks.

Every plan seems perfect, but when it comes to implementation, it's clear that they're not. There are too many unplanned events, resulting in a poor completion rate of the plan.

I have some suggestions:

1. Learn about planning topics in a targeted manner to better understand and develop plans.

2. Plans are similar in written form, but in reality, they are field-specific. The content implemented in different fields will be different. This means there is another issue to consider: specialization.

This is for reference only.

Dear Question Asker, Thank you for your trust and for posing your question. I appreciate your willingness to share your problem. Based on my experience, I believe the following are key considerations:

It appears that you are currently experiencing some financial difficulties and are attempting to alter your perception and attitude. Please find below some suggestions to assist you in getting started:

It is crucial to create a detailed budget given the limitations of your income. Begin by listing your fixed monthly expenses, such as insurance premiums, rent, and utilities. Then, allocate funds for daily living expenses and emergencies.

This will assist you in more effectively managing your limited funds.

It would be advisable to consider additional sources of income. During periods of extended leave, it may be possible to secure temporary work or a part-time position to boost your income. This will not only alleviate financial pressure but also provide a productive outlet and prevent excessive anxiety.

If you believe the insurance premiums are excessive, you may wish to discuss this with your insurance company to ascertain whether there are more affordable insurance plans available. Alternatively, you could consider temporarily reducing some unnecessary insurance items to reduce premium expenses.

It is beneficial to enhance your financial literacy. You have indicated that you are currently engaged in learning about financial literacy, which is a commendable pursuit. By continuing to expand your knowledge in this area, you can refine your financial management abilities and more effectively navigate your assets and liabilities.

Additionally, you may wish to consider applying the knowledge gained in real-life scenarios, such as increasing passive income through investment.

It is crucial to establish an emergency reserve given the current level of savings. A recommended approach is to set a goal to save a specific amount each month as an emergency reserve to address potential financial challenges.

Maintain an optimistic outlook. It is crucial to remain optimistic when confronted with financial challenges. Believe in your ability to navigate through difficult periods and proactively seek solutions to problems.

Additionally, it is essential to learn to accept the current situation and avoid excessive demands for perfection.

The quote you cited is indeed accurate: "Every penny you earn is the realization of your knowledge, and every penny you lose is a flaw in your knowledge." This underscores the importance of continuously enhancing our knowledge and expertise to better manage our financial resources and overall well-being.

Hello. I can tell you're stressed about money because of work. First, I want to give you a hug and hope my answer helps.

You understand your finances well. You know the importance of financial freedom and how to achieve it through passive income. This shows that the questioner has a clear financial goal and vision.

You don't have much in savings now, but you can gradually accumulate it. Every penny you have is the result of your hard work.

Every bit of knowledge you gain could lead to a bigger return in the future.

Let's look at some of your questions and see if I can help.

I want to hug you again for feeling uneasy and anxious about money, especially when you don't have an income. It's normal to feel this way, especially when unexpected things happen.

You've done a good job. You know the problem and are looking for a solution. This self-reflection and willingness to change is a strength.

Insurance is a protection that gives you security. It's an asset, not an expense.

It's a kind of preparation for the future. As an accounting professional, you can feel your professionalism because investment and insurance are important for long-term planning.

Financial freedom is a gradual process. You can already feel like you're on the right path, learning and practicing more about finance.

This helps you make smarter decisions and achieve your financial goals.

This is a tough time, but if we stay positive, accept reality, rethink our plans, and adapt, we can get through this. We can look at the budget to see where we can cut costs or make more money.

It's also a chance to think about our long-term goals and how we can achieve them.

I understand your problems. I hope the strategies I've given will help.

1. Budget planning: You will have no income for half of next month, so plan your budget in advance. List your necessary expenses, such as rent, food, utilities, and other necessities. Then, try to minimize non-essential expenses.

Try making a detailed monthly budget.

2. Emergency fund: Build an emergency fund! Even if you can only save a little each month, you should persevere so you will have sufficient funds to deal with similar situations in the future.

3. Insurance planning: Insurance protects you against future risks. It's an investment in your future security.

As an accounting student, you should know how to assess risk and return. Insurance is one way to diversify risk. You can adjust your insurance policy to alleviate current financial pressures.

4. Get more income: Look for other ways to make money. You can work part-time or look for online jobs. These can all become sources of passive income.

5. Learn more: Your knowledge affects your earning potential. Learning and improving your financial management skills can help you do better at work and get more career development opportunities.

You can also take training courses or get certificates to help you compete in the job market.

6. Learn about money. Study financial intelligence and literacy. Learn about different investments, such as stocks, bonds, and funds. This will help you manage your money and find new ways to make money.

7. Increase income and reduce spending. When income is limited, spend less and look for ways to make more money. For example, if you have some unused items, you can sell them to make extra money.

8. Online resources: Use online resources to improve your skills and knowledge, which can help you earn more.

9. Stay positive. Everyone has financial challenges, but they're part of growing up. Don't give up long-term planning because of short-term difficulties.

Everyone's financial situation is unique. My suggestions are just a reference. Make decisions based on your circumstances. If you need help, a financial advisor can help.

I hope these tips help.

Everyone has ups and downs, but you've shown hard work. You're anxious, but you have resources. I hope my answer is helpful. I love you!

Hello. I am honored to answer your question and I am confident that my suggestions will be helpful to you.

From your description, I can tell that you are a very independent person who likes to plan ahead. You know exactly what you want and what your goals are. We just need to figure out where and how to start.

You can't get more accurate advice than this.

The "doing" in this area requires a combination of our personality and the vocational skills we possess. This includes a combination of related content such as our current job, financial situation, career development, life development, etc. Everyone can have their own answer. The key is to find a way of dealing with it that suits you through continuous trial and error.

The first step is to understand this matter. It is not an easy task, but it is necessary. Many people are groping for a way to start, so we need to be patient with this matter, give ourselves some freedom, and not be under too much pressure. We must not find the answer today or tomorrow.

Second, during this process, you must adjust your emotional state in a timely manner. It's easy to act or make decisions impulsively, but the result may not be suitable for your long-term planning. When making each plan or trying to achieve each goal, maintain a relatively stable state. This may be slower than impulsively making decisions, but it's not a disadvantage for long-term future planning.

Finally, we must improve our ability to act.

Knowing what you want and knowing your current situation, including your skills, provides a knowledge base for financial or money management. You need to know how to do it.

We can use financial planning as a foundation and create a behavioral plan or a simple career or life plan to achieve the desired outcome.

Ask family members or friends for their opinions. They know you best and are likely to offer suggestions that are more applicable to you than those of strangers. However, remember that everyone's opinion is different, so it's important to judge whether their suggestions are suitable for you through self-reflection and simple assumptions.

You will find your own way of dealing with things through self-reflection and careful consideration.

The world and I love you!

It is evident that the forthcoming month will present significant financial challenges. Your income is already constrained, with insurance payments accounting for nearly half of it. Furthermore, you will be compelled to undertake a half-month vacation, which will necessitate the expenditure of another half-month's income.

Such circumstances may be perceived as a form of misfortune.

The experience of feeling "poor" is particularly detrimental, particularly when this "passivity" results in a reduction in income. Financial pressure can lead to feelings of anxiety, helplessness, and irritability.

Your emotions and state of mind are significantly influenced. However, based on your description, you are also proactively attempting to regulate and alter your perception, aiming to eliminate this adverse emotional state.

First and foremost, it is commendable that you have taken the initiative to effect change. It is evident that a considerable proportion of individuals in similar circumstances would not have the fortitude to persevere.

Anxiety about low income is a typical emotional response, and it is not something that can be addressed rationally. In fact, it is precisely in this state that it is easier to make sudden changes in an effort to improve the situation.

Firstly, it is important to accept the reality of the situation and to understand the emotions that you are experiencing. It is not helpful to be overly critical of yourself or to become excessively frustrated. It is important to understand that a low income does not reflect negatively on your value or ability.

In the event of experiencing feelings of anxiety, it is recommended to first adjust one's emotional state.

1. Breathe deeply and relax: When experiencing anxiety, it is recommended to take a few deep breaths to induce relaxation. This can be achieved by closing the eyes and feeling the air entering and leaving the body. This technique has been shown to be an effective method for reducing anxiety.

2. Distraction is an effective method of coping with anxiety. It involves leaving the situation that is causing distress and engaging in an activity that is enjoyable, such as listening to music, watching a movie, painting, or exercising. This shifts one's focus away from the source of anxiety, thereby reducing its intensity.

Once emotional equilibrium is achieved, individuals are better equipped to handle situations with greater objectivity, assess the current circumstances with greater clarity, and leverage their strengths to their fullest potential.

First, identify your own areas of strength and determine how you can leverage them to generate income.

Consequently, the situation of insufficient income can be altered.

Secondly, it is recommended that individuals set small, incremental goals for themselves. These goals should be derived from long-term objectives and broken down into smaller, more manageable steps. Upon achieving each of these smaller goals, individuals will experience a sense of accomplishment and motivation, which can help to alleviate anxiety.

Third, it is advisable to seek external support. This may be in the form of a discussion with a friend, family member, or counselor, who can provide guidance and advice.

At times, discussing and sharing one's feelings can facilitate relaxation and comfort. Additionally, integrating one's strengths and resources can provide a foundation for effecting change in one's current situation.

4. Be proactive in the face of challenges. While a low income may present certain difficulties, it is important to recognize the opportunities and possibilities that exist. It is essential to identify strategies for enhancing one's financial situation and to implement them effectively.

It is important to remember that difficulties are only temporary and that, with perseverance, a brighter future is always within reach.

It is our sincere hope that these suggestions will prove beneficial to you. We are confident that you possess the capacity to regulate your anxiety and embrace a more fulfilling existence.

Hello, question asker. Reading your words is like meeting someone face to face.

From what I can gather from reading your description, you seem to have a good grasp on your current financial situation, including where your money has gone and how you might be able to earn it back. You have considered a lot of different options, but it seems that you are currently facing a challenge when it comes to the practical implementation of your plan. Is that right?

Perhaps we could try to sort out the process together?

You have said, "Since the plan is already set, don't change it casually." I would like to understand more about what you mean by this.

1. Could you please tell me a bit more about the plan you set?

2. If there are plans to make changes to the current plan, what do you think might be the reasons for these changes?

3. Could I inquire as to whether you have the ability to decide the magnitude of the plan change?

4. If you are unable to control the magnitude of the changes in the plan, could I ask what part of the whole thing you are able to control?

The above four points are to illustrate that when working in a place, the income and expenditure situation at each node in the end is not something we can predict with certainty, especially in service industries. If salaries are paid strictly according to the number of hours worked, a few days of less productive work in a month could potentially impact the overall salary for the month.

You then go on to say, "Wealth freedom = passive income > all expenses." I should still be in the position of active income > expenses. My assets are now greater than my liabilities, and I don't have much in the way of savings, less than 10,000 yuan." You then say, "Every penny earned is a realization of your own perception." And so on. When I read these theories, I would like to understand more about:

1. If you were to put them into practice, how would you envision using them?

2. Could I ask you to consider how much wealth you would consider to be in line with your own perception?

3. Could I ask you to think about the kind of person you would like to become?

I hope it is helpful to note that it can be challenging for each of us to define a line of "how much money is considered a lot." When most people set their goal of "making money," they often set it at an amount that is close to their respective abilities, and they may not get too detailed about every penny. Being too detailed can sometimes add pressure to the process of achieving our goals.

I believe that it is often beneficial to divide a large goal into smaller, more manageable steps. While there is no ideal time to make adjustments, it is important to consider your personal motivation and readiness to start.

Perhaps the most important thing to consider is when you feel ready to start.

I hope these thoughts have been helpful and inspiring.

I would like to suggest that you take care of yourself.

Hello! I'm so happy you reached out for help. I really hope that what I share can give you a little boost and support.

First of all, I just want to say that no matter how old you are or how much you earn, if you have this awareness and concept of investment and financial management, your life will be just fine. I truly believe that the financial crisis you're facing is only temporary.

Let's say you've realized you need passive income, but right now you're still focused on active income. Passive income is partly the property income we get from investing and managing our finances. The other part is the side income we make through learning and growing to boost our active income and improve our abilities. Many people now have more than one job. They have a main job and a side job, which is called "slash youth." If you do the side job because you love it and you're good at it, it can also help you avoid being laid off from your main job because of market changes and the overall economy.

The past three years have taught us so much, including the incredible value of having an online side business. What do you think?

For instance, while you're fixing up your home, you can focus on what you love and are good at. Work hard to improve yourself, grow yourself, and make this part of your ability get a greater improvement. You should also work hard to improve yourself and grow yourself in your love and strengths outside of work. When your ability in this area is strong enough, you can start a side business while keeping your normal job. This side business you love will not only bring you more financial income, but also nourish the sense of depletion you feel at work.

So, you might be feeling worried that you'll have to pay more than a thousand yuan in premiums next month because you can't go to work. But, deep down, you're longing for a higher income! To get there, you'll need to improve in all areas, like your knowledge, abilities, and experience.

And these changes might not happen right away, which can make us feel a bit confused, helpless, and even doubt ourselves. But remember, your learning and growth don't happen overnight. They take time and dedication, but they're worth it! With consistent effort, you'll see positive changes in your abilities, especially in your financial skills. So, give yourself the space to learn and grow. You've got this!

I'd love to know your thoughts on this!

I'd highly recommend reading "Leapfrog Growth" and "Navarre's Treasure Book" if you get a chance!

The present is good! Be grateful to have met you.

Your description shows you're unhappy with your situation and unsure of how to change it. Hugs!

Let's talk.

1. Look at the situation now.

I don't know your plans, if they're feasible, or how you assess them. What kind of work do you do now? Are you satisfied with it? Can you change jobs?

What else can you do outside of work to improve your knowledge and earn extra income?

Insurance costs are fixed. Is now the right time to renovate? Are you prepared?

What can you do during your long vacation next month to make money and balance your budget?

I'll give you a general overview and analyze the situation to see if there are still good plans and possibilities.

2. Be more aware.

You're right about the link between knowledge and wealth. If you want to increase your wealth, you need to improve your knowledge.

There are many ways to improve your knowledge. If you want to and are determined to improve yourself, you will find ways to do so. You can learn to cook, for example. There are many free ways to learn. Setting up a stall at night to increase your income is one way.

Learn what you're good at, study it, make yourself more professional, and then improve yourself to achieve the corresponding ability and apply for a job that suits you. Or learn what else you're suited to doing and what you can do, and learn the corresponding skills.

Or you can set a goal to become more aware of yourself, improve yourself, and change your situation. As long as you want to change and are willing to take action, there are many ways to do it.

3. How to get started

Start with self-discipline, practical goals, and small tasks. Find time to do something positive and meaningful. When you accomplish it, you will feel better and more motivated.

Today I spent half an hour less on my phone and learned a new skill. You can achieve your goals little by little by starting with a regular daily routine, appropriate exercise, and self-discipline.

I hope this helps! Best wishes!