Rui Dalio, the author of Principles, the chairman and co-chief investment officer of Bridgewater Investment Company in the United States, divides life into three stages:

The first stage is experience and learning. For example, people need to rely on the help of others from small to large, and constantly absorb nutrition to stand on the society.

The second stage is adulthood. At this time, many people need to rely on your work, and you also need to rely on people around you to form a team and share the same mission and responsibility.

In the third stage, you need to make a transition. Help others succeed without you. This is a natural process.

In fact, that is to say, the first stage is the stage that you do well alone, and it is 1.0 of life.

The second stage is the stage where you can lead a group of people to do a good job. This is Life 2.0.

The third stage is the stage where you can guide a group of people to work correctly, which is 3.0 in life.

Dario believes that he is in the 3.0 life. He believes that "the moment when others put their tasks above their own interests is the moment when they become heroes." 」

In other words, when you start to enter the stage of life 2.0, it is the beginning of your becoming a hero, which is the three stages of life. Ordinary people are more likely to become ordinary people and enter the three stages of ordinary people's lives: knowing that their parents are ordinary people, knowing that they are ordinary people, and knowing that their children are ordinary people.

What's the difference between a heroic journey and the life of ordinary people?

Dario's philosophy of life is very much like a man, Confucius.

Confucius once said, "Stand at thirty, be puzzled at forty, know your destiny at fifty, listen at sixty, and be yourself at seventy.". 」

Someone asked me why I stood at thirty. There was a joke in ancient times that a military commander was arty and learned to read. He saw "standing at thirty" in the Analects of Confucius and showed it off to others. "I didn't know today that ancient people were born weak and could only stand up at the age of 30. 」

I have read the Analects of Confucius many times, but to be honest, I don't understand it after thinking for a long time. Because Confucius lived in an era with an average age of 30 years, to say that this is the life span of a normal person, many people simply do not live to 40 years old, or even 30 years old. In other words, if you think of 30 as self-reliance, it will not work.

Recently, I want to write this article about the counter-attack of ordinary people. After consulting many cases, I suddenly understood the meaning of this sentence. Confucius said this because he was a diaosi, and this sentence of Confucius outlined the basic path of an ordinary diaosi counterattack.

Confucius was a declining aristocrat in the Spring and Autumn Period. His father was Lux, a famous warrior in Lu, who died in the war by guarding the city gate. Confucius was only two or three years old at that time. When Confucius was in his twenties, he took charge of the warehouse first, then the animal husbandry, and did all the work of small officials. After Confucius became famous, he proudly said that when I was a warehouse accountant, the accounts were clear (Confucius tried to be an official of the commission bureau and said, "Accounting is just enough." When I graze cattle and sheep, they are fat and strong. 」)

It was not until Confucius was 30 years old that he began to have some fame and set up a school. Some people began to become his disciples and learn from him.

Why are you standing at the age of thirty? This means independence. This is the life of an ordinary person. When he was in his twenties, he had been working. Generally, I didn't start my own career until I was 30 years old, and began to lead students to do their careers. By the age of 40, he was no longer confused and could guide others to do things correctly without working.

This coincides with Dalio's life 3.0 concept. Of course, Confucius is old enough to have his own philosophical thinking and realm. He still has a life 4.0, 5.0, 6.0.

2.？ Hero's journey

Philosophers and businessmen are both successful people and heroes. However, there are more people who can only live the lives of ordinary people, or even live the bad lives of ordinary people.

What the hell went wrong?

Looking back at Dario's plan and Confucius' case, we will find a problem, which is too common.

When people reach the age of 20, the best way is to enrich their skills and have their own professional qualities. At this time, the most important thing is "skills" and the core ability is "learning";

When a person reaches the age of 30, the best way is to be a manager. The most important thing is not his major. At this time, the most important thing is "connections" and the core competence is "leadership".

When people reach 40 years old, the best way is to start thinking and get their career on the right track gradually. At this time, the most important thing is "system", and the core ability is "thinking", thinking with a frame system.

There is a concept called "plain wind" in Historical Records and Biography of Huo Zhi. What does Su Feng mean? Tai Shigong means that you don't need a king to support you, and you don't have an official salary, but you are as rich as a prince with a fief, so you are called Su Xi. In our words today, this is called financial freedom.

How to realize plain seal? Tai Shigong studied many rich people with financial freedom and gave a basic principle, that is, "no money for strength, no cleverness, no time for struggle." What do you mean? When you have no money, you should work hard and sell your physical strength and brain power to make money; When you have accumulated some money through your work, you must rely on your own wisdom to run your business; When you have more wealth, you have to wait for the cycle and get income through investment.

These twelve words can be described as truth, and it is such a process that we compare Confucius' life.

Lack of financial resources:

When I was 20 years young, I could only find a job in a down-to-earth manner, and then work conscientiously, such as Mr. Kong, and honestly take charge of accounts; If you are in charge of animal husbandry, you will fatten cattle and sheep with your heart. At this time, the highest quality is reliable.

In the past, nobles, officials, business owners and today's leaders did not need your advice or planning. You have 1000 discontent and 10000 thoughts in your heart. Stick to it honestly and do your job well. No one believes in your ability, so you must prove yourself first.

The sign of ordinary people in their twenties is to work hard to earn money, and the most feared thing is not to be convinced. How important is IQ to people's success? Huawei, an intern at Peking University, mentioned in the book, gave advice to Ren, and with tens of thousands of words, Ren directly replied eight words: treating diseases and not getting sick. This is the result of all ordinary people trying to reach the sky in one step. Before you have enough qualifications and reputation, your words will be ignored, that is, your efforts are not worthy of your ambition.

At this time, no matter what you do, whether it's finance, internet, sales specialist or civil engineer, you are either a clerk, a teacher, or a nice title such as "account manager" and "xx manager", but in the final analysis, what you do is hard work. Some young people refused to accept it and ran to start a business, but when they started their business, they found that only they could be squeezed, and their men were unreliable and had to work hard.

The same is true for freelancers. Remember, freelancer is the least free profession in the world, and not all idlers can be called writers. When Mo Yan was young, he had a meeting with other writers. Several young writers lived together, others came to visit, everyone in the same room was smoking and chatting, and Mo Yan was the only one writing. This is a sign that you can make a difference.

This time is when ordinary people accumulate capital. Whoever is reliable can stand out, whoever works hard can stand out, and whoever can stand loneliness can stand out. This time it is four words, work hard. Reliable means, one is to work hard, and the other is to restrain desire. Restraining desire has two meanings. One is not to wander around, keep your mouth shut and control your desire for expression. The other is not to overspend, not to be brainwashed by consumerism, and start saving. Pay attention. It's savings, not financial management, not investment. Why not talk about it later?

A few wisdom:

When you are in your thirties, you will "stand in your thirties" like Confucius. 30 is not a hard standard. Doesn't mean you were 29 years old and 364 days old yesterday. After 30, you must be independent. It doesn't make sense. Whether you can be independent depends on your background and your accumulation in your twenties. Some people may be in their twenties, while others may be in their thirties. But in short, at this stage of life, you have accumulated a certain amount, so you can't work as hard as before.

When people are in their twenties and have no money, they need migrant workers to think. But in the "rare" stage, after the previous struggle, you began to take care of one or two people, big and small. If you have a position, you must "use your wits and courage" and use your brains. Because your position and savings are your advantages, you will starve to death if you don't work hard. It's also your trap. When I was in my thirties, my physical strength and energy had already begun to beat young people, and it was useless to try again. The ancients began to look old at the age of 30, and even began to live and die. There is modern medical care today, but the 35-year-old workplace will inevitably have a crisis. Therefore, after accumulation, we should bravely enter the stage of "making money with our brains".

This mind does not mean "mental work". Programmers are also mental workers, but they are still in the stage of "exerting strength". This is not a battle of wits. What is "wits and wits"? It is based on the word of mouth, experience and customer resources accumulated in the previous ten years that you began to have your own lifelong career. For Confucius, he chose education and founded a private school. The thinking mode at this time should be, boss thinking.

Either you should start a business, or you should have a part-time job, or you should learn to manage money. In short, you should have cash flow other than salary, and don't stay in the stagnant stage. If the most important virtue of ordinary people in their twenties is reliable, then the most important thing in their thirties is integration, that is, the ability to integrate resources. If you work, you should also use your own experience and ability to expand your right to speak and strive for a high position. At this time, you are no longer a teenager. You can express some opinions and someone will start listening to your voice.

Why don't you manage money in your twenties, but only let you save it, because there was no accumulation at that time. For example, if you are in your twenties and have 654.38+ten thousand yuan, how many years will it take you to double it? 65438+ 10 million yuan, you will only encounter 4%-5% financial opportunities. If it is higher, you need your principal. So it will take you about 14- 18 years to double it, because there is a "72 law" in investment. Divide 72 by your interest rate, which is the number of years you have doubled. This still takes into account the situation of compound interest,100000 yuan. At this time, you should put your energy into your work. Just a promotion and salary increase will earn 65438+ million in a few years. So when you are in your twenties, the best strategy is to sell your strength. Don't work hard when you are in your thirties. The ceiling of your workplace is likely to come. If you work hard, there will be no marginal benefit.

What I am most afraid of at this time is lack of courage, because many people have entered the middle class with great probability, and it is easy to enter the comfort zone, creating an illusion that I am living well now. Especially ordinary people who have suffered, I know the psychology of us ordinary people too well. After ten years of hard work and starting from scratch, with a world, a happy family and lovely children, it is easy to feel that you can enjoy it. At this time, some middle-aged men began to learn to smoke cigars, learn tables, learn cars and learn wine tasting. If you use these things as an aid to talk about business, it is ok to expand your communication, but it is not good to indulge. Of course, the worst thing about being in your thirties is not playing these games. What's the worst thing? The worst thing is to buy debt. This debt may be the wrong target, it may be a property with excessive loans, or it may be a second child. Almost all engineers who jumped off a building a few years ago were like this.

Middle-aged people can't enjoy it All you have now is a mirage. I'm sorry I used that word. But that's the truth, because these are based on the resources you have at present, and you can't just maximize these resources at work, but once the new people start to grow, you can be replaced, and everything will be very dangerous.

The middle-aged strategy is eight words, reducing debt to buy assets, and the principle is to expand cash flow. Confucius' assets are 72 disciples and 3,000 disciples, which are the assets of educators. What ordinary people need to do is to have a stable channel for money besides wages. Whether it is real estate allocation, copyright of works or consulting services, in short, there must be a sideline, even a sideline beyond the main business.

When you argue:

People accumulate to a certain stage, and assets are increasing. When they are spared, they cannot compete for wisdom. This time is a word, "wait". Wait for what? Waiting for the opportunity, waiting for the arrival of the cycle.

Tai Shigong once said in the Biography of Huo Zhi, "Six years old is bitter, six years old is hungry, and twelve years old is hungry." What do you mean? In fact, it is the economic cycle of the agricultural era. Six years of good weather, bumper harvest every year, six years of drought and poor harvest, there must be a great famine around 12 years. This is the economic law of the agricultural era, the law of good harvest and poor harvest, and a number of monopolies will arise if we seize it once.

Zhou Jintao once said that life depends on Kangbo to make a fortune, and the opportunity of life is basically given by Kangbo Movement. Campo refers to the Kondratiev cycle. Russian economist Kondratiev proposed in 1926 that after analyzing a large number of statistical data, he found a long period of 60 years. Each cycle has four stages, namely prosperity, recession, depression and recovery, with a cycle of 60 years. The wealth of life depends not on wages, but on your investment in asset prices. It makes sense to buy assets at a low point. When will assets be low? That is, when the economy is in recession and depression.

In Tai Shigong's words, drought is a boat and water is a car. Buy a boat in a drought year, and store a car in a flood year. A long period of 60 years, specific to a stage, each small period is about 10- 15 years, which is an opportunity to make a fortune. Therefore, there are about 4-5 chances to change your destiny in your life. People born in ordinary families, it's a pity that you didn't have the opportunity to participate in this opportunity in the first 30 or even 40 years of your life, because there is no money, or the money is not enough. You can only watch the opportunity slip away, so the only chance left for you is 1-2.

At that time, you are 40-50 years old, and all you have to do is wait until this period, and you can get 10 times or even hundreds of times the income. The richest people we see have caught up with this cycle. Zong Houqing was because of the prosperity of FMCG, and the rich in that era were all in the FMCG industry; Wang Jianlin is catching up with the rapid development of real estate; Ma Yun and Ma Hua Teng are the spring of the Internet. No one earns money by working honestly and doing small business. number

So at this stage, you should eat and drink, study red wine if you like it, and study cigars if you like it, which will not prevent you from getting rich. The virtues of thrift, diligence and even cleverness in the past are useless. This stage is to wait+take risks, wait for opportunities, and devote yourself wholeheartedly. At this time, the most important quality is "not confused", and even higher quality is "knowing destiny"

Tai Shigong also said in the Biography of Historical Records and Huo Zhi that "if you are rich without business, the goods will be impermanent, the talented will converge, and the unscrupulous will collapse." Wealth is fluid and will not be occupied by certain industries, nor will it be naturally occupied by someone. Capable people will quickly gather around him, and incompetent people will quickly collapse.

We talked about the way ordinary people fight back. To complete this road, you need the ultimate cultivation of ability and mind. At any stage, without strong self-control and tough mentality, they will all fall down, just like Bai Gui, a wealthy businessman in the Warring States period mentioned by Tai Shigong, said, "I rule production, and I also think of the tricks of Yi Yin and Lu merchants. Sun Wu used soldiers, and Shang Yang's method was also used. Therefore, his wisdom and adaptability are insufficient, his courage is not enough to make decisions, his benevolence is not enough to take, and his strength is not enough to keep. Although he wants to learn my skills, he won't tell him. 」

For ordinary people, the pursuit of wealth is not only means and skills, but also mental pain. Only if you are strong enough to persist and have enough willpower can you go on.

So the heroic journey is actually very ordinary and boring.

1.0 life stage, learning;

The stage of life 2.0, cooperation;

The stage of life 3.0, investment.

This is a guide to success in life, but most ordinary people can't do it.

3.？ The depravity of ordinary people

However, the sadness of ordinary people is that they usually fall down at the first step, or most ordinary people can't stand the long and boring first stage. Modern people, in particular, are bombarded by all kinds of media, all kinds of comparisons and contrasts, so many people have long been psychologically unbalanced.

They entered a period ahead of time, dismissing those successful people who need 20 or even 30 years to become.

Right here?

Right here!

However, successful people don't fall from the sky. Even people like Dario and Confucius have to practice for decades to succeed. The process of success is a process of "getting rich". The original meaning of money is more. This wealth is not more money, but more information, the expansion of information bandwidth and the increase of information processing ability.

This is destined to be a long-term process, a slow process.

Mao Zedong published an article in Changsha Ta Kung Pao on September 3rd 19 19, advocating Hunan independence and calling for "Hunan affairs should be decided by all Hunan people". At that time, Mao Zedong was only 26 years old, that is to say, even a great man, when he was young, his ideological system and the richness of his information were not enough for him to make a correct decision.

And ordinary people, what confidence can surpass these successful people in history?

But the reality is that ordinary people are the easiest to get quick success and instant benefit. What they expect is a surge, an increase in value, and earth-shaking changes in their wealth and social status. But it often backfires. They can only step into a pit step by step, and sometimes they jump into several pits. The life of ordinary people, from the successful experience, is often ordinary, but from the failed experience, it is often extraordinary. Most people are still doing nothing at the age of 50, at least to catch up with the wave of several failures in life once or twice.

These people, who bought stamps in the 1980s, bought ancient coins in the 1990s and invested in P2P today, always failed twice.

It's not that ordinary people don't work hard, but that ordinary people often jump into the quagmire before they accumulate. These people and bad things around him trapped him like a swamp and let him continue to sink.

Dario said that this is not what people do today. "The only change in history is that we changed our clothes and changed the technology we used. But throughout history? Basically, these people with different personality types constantly interact and experience the same type of things again and again. "

History will not repeat itself, but it will rhyme, and these failed people have stepped into the wrong river again and again. In ancient times, people who fought back successfully were called "extricating themselves from difficulties", which was very vivid, that is, pulling their feet out of the mire. What is this quagmire? This quagmire is custom.

Liang Qichao commented on Zeng Guofan, saying that his ability is nothing special, just an ordinary person, but how can an ordinary person achieve great things? The strength of his life lies in his determination to get rid of customs.

Zeng Guofan can pull himself out of the quagmire of vulgarity. Simply put, it is something that ordinary people don't do. Ordinary people like to follow their own humanity and get rich, but often this kind of life is repeatedly mired in quagmire.

A hero's life is a slow J-curve and a process of slowly accumulating advantages.

J curve first comes from economics and is applied in your life. That is, when you do something or learn something, your initial income will gradually decrease. When you cross a threshold, your efficiency will soar. If expressed by a function, you will find that this graph looks like the letter J, so everyone calls this effect the J-curve effect.

Our previous 20 years (10) were in the gentle rising part of the slow J curve. Only with enough accumulation will there be explosive growth and you will become a hero from now on.

If we want to imagine a hero's life, we should accumulate enough.

4.？ label

There are three kinds of chivalrous men in Gu Long's novels. The first one is called punk; The second type is called Chu Liuxiang type; The third type is called Li Xunhuan type.

Young knights are all punks, and they all want to become famous and get married soon. They hope that the most beautiful woman in the Jianghu can attract their attention and get the greatest appreciation.

The 30-year-old stars are all Chu Liuxiang. They have 2-3 close comrades-in-arms, including Hu Tiehua. They are full of flowers and can fight side by side to solve all problems.

The final form of all chivalrous men is Li Xunhuan. There is no me in the Jianghu, but my legends are everywhere in the Jianghu.

Gu Long's writing is very accurate. He wrote the hero's 1.0, 2.0 and 3.0, which cannot be crossed. Even teddy boy had the fastest sword at that time, and most ordinary people were ordinary because he didn't even have a fast sword.

Therefore, at the age of 20, at the life stage of 1.0, the most important thing is to have a "quick sword" to improve your professional ability, and to have the strength of professional division of labor first, and to eat all over the world with one stroke;

People are 30 years old and have a life of 2.0. The most important thing is to have a few reliable "teammates", have their own "partners", improve their contacts and have the ability to connect.

Life is 40 years old, life is 3.0. The most important thing is to have your own "martial arts" and be able to deal with all kinds of unknown worlds with your own understanding and thinking.

This kind of life is the real nonlinear growth, and this kind of life is the life of a hero.