In this game, I have some knowledge of participating in the sand table of wealth flow in the past
Ok, first let me review that I am participating in the decision of every cash flow game, and finally analyze the income of this deduction.
1 round, I chose to draw a big opportunity and got a car shop. Spending 35,000 yuan, loan 30,000 yuan, down payment 5,000 yuan, monthly cash flow 1500. I chose to give up. As a result, a player next door drew 10 mu of wasteland, and I spent 400 yuan to buy the opportunity. At that time, Chen Ben was 5000 yuan. I didn't have enough money at that time, so I chose a mortgage loan of 15000. Because of this decision, my monthly cash flow has decreased 1/3.
In the second round, I received the monthly cash flow after the settlement date and got a market card at the same time. I want to buy a house with three bedrooms and two living rooms, but no one owns it. Opportunity is invalid.
In the third round, you drew 0K4U shares? There was no bonus, and the price range was $5 to $40, while the price at that time was $30. I didn't think there was much room for growth, so I didn't buy it.
In the fourth round, the cash flow was settled after the settlement date, and the small probability was chosen at that time. This is my stock. At that time, the price rose by 5~30 yuan. I bought 200 shares with a cash flow of about 1/3.
In the fifth round, there happened to be an opportunity, and the same player drew a stock appreciation. As it happens, the stock in my hand has risen to the highest value of $30, and I decisively sold 200 shares and earned $2,000.
In the sixth round, I chose a small opportunity and drew a bank deposit slip. The interest is 5,000 yuan in 20 yuan today, which is within the price range. There is no room for growth in 5000~5000, so give up decisively.
In the seventh round, I bought an electric water heater, and I lost $450 for water leakage.
In the eighth round, I chose the big opportunity, which is a big opportunity to open a clinic. The monthly down payment of this card is 25,000 yuan, and the monthly cash flow is 1000 yuan. I want to do it myself and ask if I can borrow money from other players. The dealer said no, so I sold this opportunity to another rich player in the same field and got a cash flow of 6,543,800 yuan.
In the ninth round, I paid an extra $640 for accidentally giving birth to a child in the game. At this time, my cash flow has decreased from the initial 3,000 yuan to 640 yuan now, with a decrease of nearly 60%.
The game is over, and now it's the resumption session.
Analyze my performance in the whole game with the help of three questions raised by the wealth cash flow coach
Far-reaching is that in the first round, I boldly borrowed 1.5 million from the bank, which was nearly 1/2 of the loan amount at that time, to buy 10 mu of wasteland. From the card description, this 10 mu of land will not bring me any immediate passive income.
And at that time, I originally wanted to borrow the most money from the bank with all my loan lines. When the banker explained it to me, I asked if I was sure. I hesitated, considering the loan amount and the amount I can receive after the monthly settlement date. ? The available cash flow and loan amount are not much, but I am willing to invest 1/3 of my available funds to do this. Why would I do that?
I came to this game with the knowledge of the past games. In previous games, I saw other buyers seize market opportunities in the process of deducing sand table after buying assets, such as houses. Although they don't have much money, they also achieved their goal by borrowing. In the usual games, I often look at stock opportunities and find a sideline. So I gave myself the impression that I didn't dare to borrow it and wanted to try the leverage effect.
Coach Kitty asked me afterwards whether I was the second generation of officials or the second generation in real life, and I was so extravagant from the beginning. I said no, I just wanted to break through the previous game card point. She gave me an example, saying that I acted like a newly graduated college student, but she said that she would buy a house in Qianhai, Shenzhen, and had no savings. Invest without choosing the right investment target.
Looking back on my behavior at that time, I was reckless and didn't consider the whole situation. In fact, it is more important for me to accumulate my first bucket of gold.
The second investment was that I borrowed 10000 yuan from a banker at halftime. I hadn't started the game yet, but it was my turn soon. I wanted to prepare the cash flow to participate in the project investment at that time, but I didn't know that I had won the opportunity in the next round or two, but the participation threshold was too high, and borrowing was meaningless, which lost my monthly cash flow of nearly 1/3. ? Sure enough, there is a trade-off between opportunities and the pros and cons of decision-making. I am more radical, courageous and emotional in the game.
Let's start with a set of data. I am the player with the most monthly cash flow in the audience-doctor, and the original fee is also very large. Coupled with my two subsequent loans, I accidentally gave birth to a baby, which suddenly reduced my monthly cash flow by 78%.
What is the total cash around me after the game is set? 46,680 yuan? 25 thousand in debt The monthly cash flow is 4 10 yuan (compared with the original cash flow of 3,550 yuan)? Non-wage income (interest+dividends+real estate+corporate cash flow) is 0.
? According to the role setting, I live as a doctor and can save 27% of my salary every month. ? Ha ha ha ha ha ha. After my performance, the doctor went into bankruptcy.
In fact, this is also very similar to my real life. Three years after graduation, although the monthly income has tripled compared with that when I first started working, and the deposit is only 10000, I still have gratifying current liabilities of 0.
Coach Katie asked me where you used to spend all your income. I said that my previous income was more spent on knowledge payment. Fresh graduates are willing to use their savings 1/3 to pay for classes, and a very irrational investment in the near future is fitness expenditure.
Coach Kitty asked me, how can paying for your knowledge help you? I said it improved my cognition. I am willing to take the initiative to contact people to fight for the opportunities I want, but my wealth is not obvious.
Now that I think about it, as a person who never keeps accounts, I actually don't know where all my money is spent. The large expenses in daily life are visually focused on knowledge payment, but is this really the case? I tried to keep accounts on the evening of 25th, and I was surprised that my daily expenses could reach more than 200 yuan, including cash flow game tickets and bus card recharge.
In fact, when I first participated in the wealth sandbox on 20 19, I realized that I was insensitive to money but never took action. I feel very troublesome. After two years, my financial situation is really worrying. If I don't take action, it will be bad for my wealth to increase.
? This inspiration is also my biggest gain in this sand table week. Bookkeeping can help me improve my sensitivity to the amount of money.
Secondly, I don't understand all kinds of wealth management products. For example, I will use the opportunity cards of other players in the same field to study stock returns, and the real estate card to study down payment and loan interest. I don't understand. Now there are many wealth management products, one by one. Not greedy, it's faster to take your time.
The biggest gain is to clarify my blind spot, the risk control of investment income. You can borrow money by trial and error in the game, but in real life it depends on your repayment ability and possible risks. One thing I remembered recently was that I consulted Teacher Mulan, and I asked if you would advise me to borrow a credit card for investment. She said yes, the return on investment is a feasible investment strategy for her. ?
Secondly, I can refer to this financial statement to sort out my current financial situation and have a clear understanding of my finances. It's worth doing. I can even predict that the actual expenditure after completion is much larger than the approximate figure I remember.
Finally, I realized my flexibility. In the process of playing this game, five of the six players have played 1 times before, and 1 players have played twice, so coach kitty emphasized at the beginning that players should not whisper to each other and ask the coach for help if they have any questions.
Later, I was quiet in the game and didn't communicate with others too much. In my heart, I support the coach to take the plate, except asking other players for the chance to play cards. ? But fortunately, I sat next to the cold man who tidied up the sand table. She reminded me that I could pay the dealer for help, "touch porcelain" compensation and sell the opportunity to sell at a high price.
? Let me see flexible methods, so I still need to know more about flexible methods, think more and be more conscious.
I am grateful for this opportunity to meet people from different industries. Although the friendship in the sand table may not be particularly deep, I am glad to see the bright spot in everyone from these encounters.
Everyone will introduce themselves before the start of our sand table, and when the table is restored, Coach Kitty will ask about the reality and find the connection in the deduction. This will give me a chance to get to know other players.
The first player, who has been in Shenzhen for more than a year, is the boss of catering. At present, there are 7 stores, and his dream is to open 200 offline restaurants. His role in the game is the lowest income, but it is the fastest. His investment strategy in the game is to look at small opportunities and choose 1 1 yuan shares. He tried to choose a loan to buy a dollar share, but he didn't remember how much he earned, but in this way he accumulated the first bucket of gold.
After that, we will take advantage of other players' opportunities during the game and constantly increase the purchase opportunities. He and I went to get loans in previous rounds, and the target he chose was stocks, which is much more likely than I realized and sold them. But there are also shortcomings, which are also risk management and control.
The far-reaching reason for him is that the catering industry was hit hard during the epidemic. Their store has just been established, and it is a community store. When the offline business is not good, their team has invested a lot of marketing costs in online publicity. The epidemic situation improved, the early marketing investment played a role, the store business improved, and the first cash flow was obtained. When I was listening to his story, I personally felt very modest and objectively analyzed the factors of my success. For example, my own catering shops with relatively high rent and labor costs are low, and the reshuffle in the face of the epidemic is actually the same as the starting point of big catering.
So I feel that he is very clear about the status quo and has a business strategy. ? Moreover, during the whole game, he helped other players generously, and even offered to lend me money after successfully playing the game. With gratitude, everything goes well in life.
There are also two players who are a couple, the wife is a hospital doctor and the husband is a construction engineer. The couple came to Shenzhen from a stable small county with voices that people around them could not understand. It is very good to hear the description of their wife's new study in convertible bonds and Hong Kong stocks, and she will take the initiative to share it with people around her, but people around her don't understand and think that she has entered pyramid schemes. A lot of my husband's past salary was taken care of by his wife, which may be due to the limitation of working environment. Husband's social circle is not wide, and his wife often enlighten her. Her husband also actively participated in the sand table deduction this time.
Here, I really like these two couples. I believe their financial life will become more and more ordinary, and it also makes me realize the importance of partners' openness and mutual learning.
The other is that when my wife introduced convertible bonds to others, she mentioned that people around her didn't understand. In fact, I also have projections in real life. I used to doubt that my expression was wrong, but now I am more and more relieved. I am looking for people with the same frequency to communicate, which will affect my life. ? What is the breadth and depth of influence in personal achievements?
On the other hand, in the face of new things, we should have our own decision-making criteria, such as weighing the ratio of income and risk, learning with an open mind, never too old to learn, and embracing change.
? Another player used to work in the golf industry in Foshan, but now he is working as a foreign trade merchandiser in Shenzhen 2 1 day. I see my own shadow in her, I hope she has courage. She said that when she was in Foshan, she couldn't find any friends to go out to study with, and she felt very lonely. After coming to Shenzhen, she felt that things and people around her began to flourish. She studies and moves quickly. After seeing that I earned 6.5438+0 million yuan by selling big opportunities, she will sell big and small opportunities and even auction them. Praise her mobility and learning ability.
This can't help but lead me to think about the importance of the network? . If there are more role models with learning achievements around you, even if the imitation learning effect is only 7 points, the result will not be too bad.
The last contestant, two impressive points: smart, flexible and helpful. She will make some changes based on respecting the rules. It was mentioned in her counter-offer because she drew a card with an extra charge, which was 4000 yuan. At that time, this expenditure far exceeded her monthly cash flow expenditure, and even she needed a loan to pay for this expenditure.
So there will be some emotional factors in the subsequent decision. On the other hand, when something bad happens, something emotional will not get better, and there may be a new turn for the better. If you have a peaceful mind, maybe the bad things will still be like this, but the game experience will be smoother in the future. Realize the importance of mentality.
Thank you very much for this opportunity to participate in the deduction of cash flow game. Thank you, Miss Katie. Thanks to Mulan community organization. Thanks to all the contestants present? Awareness and reflection again and again? After that, it will get better and better, come into contact with different coping styles, and find social links more and more interesting.
Teacher ktty is very nice. She explains everyone's performance in detail and is good at asking questions. Through her questions, she also has the opportunity to observe the players in the same game and have more perception angles. If you are also in Shenzhen, you can also ask me for help in playing sand table ~ ~
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