If you suddenly have 111 million yuan, it will be a huge asset in RMB, which should be the income that a migrant worker like me can't get for a lifetime. With it, you can certainly improve your quality of life, but if you eat, drink and indulge in extravagance and extravagance from now on, then you can spend 1 billion yuan quickly. How can you use this money reasonably?

first of all, I will keep about 1/3 of it as a fixed asset for myself and my family in case of emergency. There are also tens of millions of 1/3, and some of them can be deposited in banks to buy regular and current wealth management products. Tens of millions is not a small sum, I will definitely put it in multiple? Basket? , avoid risks, and then put? Basket? Write down the name of, avoid too much and can't remember. The other part can be used to buy real estate fixed assets. Judging from the current housing price, it will not go up or down, so buying a house is still a relatively stable financial channel, provided that it is bought in a big city with development potential. I will choose a first-tier or second-tier city where I am qualified to buy a house, and buy a set of commercial housing in the central area. The area does not need to be too large, so it is easier to change hands. In short, this part of the funds must be firmly guaranteed not to be used for other purposes.

Secondly, I will invest 1/3 of my assets, which belongs to risky investment, to develop my current job or start a new business, such as opening a shop, provided that I know and are interested in the field. In order to avoid losses, we will do a good job in the preliminary work, including market research, industry knowledge reserve, store location and so on. In view of my sideline in English training at present, I will use this part of the funds to open a small training studio. At first, I don't need too much space, but I will definitely choose a good location, rent, decorate, and buy some equipment, books and so on. Looking at the development in the later stage, if the operation is good, we can expand the scale and recruit partners. However, the budget will be kept within this 1/3, and no matter whether the operation is good or not, the fixed reserve assets above will be resolutely not used.

At last, the remaining 1/3 assets are used to improve their quality of life, and do some things that they wanted to do before but didn't do because of economic constraints, such as traveling and vacationing, investing in themselves, etc. In view of the current epidemic situation, I can't go abroad. If time permits, I will travel all the places I want to go, surfing in Sanya and skiing in Northeast China ... With this money, I can choose some high-end hotels and restaurants, so that my trip can really become a holiday instead of a poor one. In addition, we will put money on self-management, including taking private classes for fitness, going to beauty salons for beauty and body care, and taking some high-end training courses to improve our knowledge and ability to ensure that we will not be eliminated by society.

after writing so much, I suddenly found that with 111 million yuan, I can live my ideal perfect life. But after all, life is not a fairy tale, or live every day in a down-to-earth way and narrow the gap between yourself and this billion.