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Talk about how I became financially free

What is financial freedom?

In layman’s terms, financial freedom means being able to choose freely without considering the price when going out to eat, shopping in the mall, or traveling. The relatively scientific explanation is: when your passive income is greater than your active income. Specifically, passive income is the income you can get from your equity investment, financial management, copyright, rent, intellectual property, etc., without having to continuously invest a lot of time. When passive income meets your daily expenses, you will be financially free. .

How far away are we from financial freedom?

Don’t worry, let me tell you two true stories to see how they achieved financial freedom.

Protagonist 1: Internet anchor, Xiaobei, born in the 1990s.

It took one year and one month to earn 20,000 yuan a month; two years after graduation, I became a freelancer - no matter whether I was lying at home or traveling to the ends of the world, I could make a living by my interests. Own.

This is what she wrote in her article: After entering college in 2010, she discovered that she particularly liked radio. She learned Mandarin, post-editing, and radio pronunciation, starting from scratch.

In 2011, I founded a radio station on an online platform with no income. At that time, online anchors were still a rare term, and radio APPs had not yet been born.

After graduating from college in 2014, with four years of experience as an online anchor, I came to Kuwo Music Box to host an emotional column. I kept working hard and my reputation got better and better. Then, I tried more part-time jobs with my voice, giving full play to my strengths and making money with my voice. Others do one issue a day, but I do two, three, or even more issues a day. At this time, the monthly income was close to 20,000.

Starting in July 2014, I insisted on recording programs during the day and tried writing at night with the help of the materials accumulated through the radio columns. Every night, read a book for half an hour and then write.

In January 2015, my first new book "It's rare to have you in this fickle world" was released; in January 2016, my second book "Meeting Every You with a Story" was released. The royalties from this book helped me buy a house in the imperial capital.

Now I have created my own WeChat public account: Xiaobei, which is updated every day. The profits from online anchoring and self-media gave me the courage to become an independent worker.

I have a literary but not far-off dream. Before I turn 30, I will open an inn called "All the Way North" in Erhai, Dali.

Protagonist 2: Financial expert, Third Young Master, born in the 1980s.

I entered the workplace in October 2009 and started as a moonlight earner. One step, two steps, three steps, starting from saving money, insisting on keeping accounts, learning and researching various financial products and financial tools, and accumulating money for the first time in life. With a deposit of 30,000 yuan, 300,000 yuan was withdrawn in 3 years, and 500,000 yuan was withdrawn in 5 years. Now he has a net worth of more than one million yuan.

In the process, she continued to share her reflections and experiences on personal finance and growth on Douban, Zhihu and various financial management communities, with more than 100,000 fans.

“My financial management started to increase in value from 100,000 yuan, and it will exceed seven figures this year. From trying to write the first word on Douban in 2011 to completing the publication of the second single book in early 2016, 5 She wrote 1 million words in one year.” This series of achievements, in her opinion, “life becomes interesting through various attempts on one’s own.”

In July 2015, a personal WeChat account was opened: the third son’s life recorder. At present, a single article on the platform has been read 300,000 times. It has published "The first five years of work will determine your life's wealth" and "How you will live tomorrow depends on what you do today".

In 2016, the reading plan she set for herself was "6.6 million words of reading", about 13 sets of books, and 137,500 words per week.

How to achieve financial freedom?

I scratched my head and thought seriously, hoping to find a path to follow from these "successful people". I found that they have basically the same success model - find interest, establish advantages, cross-border monetization, snowball effect.

First of all, let’s talk about interest. To find interest, we must first understand what interest is? Luo Ji said it very well in his thinking: Interest is not something that makes you feel comfortable and successfully get results; interest is something that makes you think painfully during the day, make you sleep poorly at night, and get up at five in the morning. Smiling and cursing while doing things with a grin on your face is the true nature of interest. Find that one thing that makes you excited when you think about it. Interest encourages us to step out of our safety zone and make us stronger.

I have seen this picture in my circle of friends: Nothing is difficult in the world, as long as you are willing to give up. That's very well said, isn't it? "Persistence" itself is something that goes against human nature. Doing the same thing day after day is either a last resort or you are really not an "ordinary person". Persistence is really not easy. In order to insist on defending rights, wasn't even the "fierce" Lao Luo forced to pick up a hammer and smash a refrigerator?

However,

This fucking world does not work like this. Only those stubborn and paranoid people who endure the humiliation and insist on not letting go can succeed. Only by persisting, persisting, persisting, repeating, repeating and repeating can you build a solid personal advantage. Achieving financial freedom requires persistence.

Then let’s talk about monetization. Realization means converting abilities and advantages into money, and then using this money to enrich your ideals and life. Xiaobei realized the advantage of "I have a nice voice", and Sangongzi realized the advantage of "I know how to manage money". In the Internet era, slogans such as "social economy", "self-media economy" and "craftsman spirit" are shouted Today is booming, look at Papi Jiang, look at Luo Zhenyu, look at Mi Meng, realization and cross-border are basically a matter of seconds, a large number of investors, a large number of advertisers are waiting for you, what you want is : Your strengths and talents.

Not much to say about the snowball effect. The power of snowballs is terrifying and unpredictable. Buffett said: "Life is like a snowball. The most important thing is to discover wet snow and long hillsides."

Find interests, build advantages, and say the important things again. Regarding persistence, I am on the road. Persistence requires the courage to move forward resolutely even though the road ahead is bumpy. Persistence requires a small amount of self-motivation to achieve phased goals. Persistence requires your participation and constant immediate feedback. Regarding persistence, we are on the road together. .