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富翁是我们的追求,但在达成这个目标之前首先需要解决“负翁”问题。我们许多人,包括为数众多的看起来光鲜的有钱人,他们的家庭财务其实也是一塌糊涂。网络上曾经有这样一个笑话,说你到北京或者是上海这些大城市随便找一个家庭,他们绝对都是百万富翁。没错,他们哪怕家徒四壁,但就一套房子那也绝对价值百万。也许造成家庭负债的原因众多,这里面有些是因为教育、医疗等问题造成的被动负债,但不可否认也有些是主动负债的,比如利用信用卡进行大件物品的分期消费,特别是后者更是日渐风行,有人因为过度消费,还成了卡奴、房奴。
Wealth is our pursuit, but first we need to solve the “negative” problem before we can reach this goal. Many of us, including a large number of seemingly wealthy people, are in a mess with their family finances. There was such a joke on the internet that when you go to a big city like Beijing or Shanghai to find a family, they are definitely millionaires. That’s right, they are worth four, but a house worth millions. There may be many reasons for the family’s debt. There are some passive liabilities caused by education, medical treatment and other issues. However, it is undeniable that some are active liabilities. For instance, the credit card is used for the amortization of large items, especially the latter Increasingly popular, some people because of over-consumption, but also became a card slave, room slave.