Is it difficult to make money? Questions like this often appear on social media forums. According to a recent online survey with 1000 participants, about 80% believe that making money is difficult, 15% think it's normal, and only 5% think it's not too difficult. Among those who answered that making money is difficult, the majority are young people who have to borrow money from friends, banks to cover their living expenses, study costs. About 80% of these people are carrying a large debt burden. The reality shows that those struggling with financial debts are also the ones feeling insecure about their future.

However, those who boast about being wealthy may not actually be rich. On the contrary, some people who occasionally complain about being poor may not be as poor as they claim. Andrew Hallam, a Canadian teacher working at an international school in Singapore, is a typical example. In the early years of his career, he was almost asked by colleagues to contribute to charity because they thought he was living in poverty, but by the age of 30, Andrew had become a millionaire through wise investments. He shared his story in a best-selling book, revealing the secrets to getting rich and experiences with people pretending to be wealthy. When he was a student, Andrew worked as a tutor for a wealthy family in Singapore. The couple lived in a luxurious mansion, owning expensive sports cars.

After a month of tutoring, Andrew noticed the wife was adorned with jewelry while talking about a trip to Hawaii, and then handed Andrew a check as payment. However, Andrew was not interested in listening to those boastful stories; what mattered to him was the check. After finishing work, he immediately rode his bike to the bank to cash the check but was extremely disappointed to find out that the check couldn't be cashed because the couple's account balance was zero. When he angrily called to inquire, the wife apologized to Andrew, explaining that they still had a large debt unpaid and asked for his understanding. Living a lavish life to cover up financial shortcomings may satisfy their vanity, but it deceives themselves and those around them. Typically, the more someone lacks something, the more they tend to show off to compensate. Pretending to be wealthy not only deceives others but also harms oneself. The wise are those who know how to live within their means.

Life requires balance

Life requires balance; if you don't save, you will worry about not having enough money to deal with unexpected risks. In the famous Chinese TV series "A Year Without a Job," the main character Jeju is a young woman who resigned from a stable job to pursue her own dreams. After losing her job, she had just paid off a car loan when her mother was diagnosed with breast cancer. The surgery cost more than 100,000 RMB, equivalent to about 343 million VND, which was clearly too difficult for Jeju. Being unemployed at the time, the balance in her account was not enough to pay for her mother's life-saving surgery. When the father learned about the high cost, he suggested that the mother leave the hospital because he didn't want to burden his daughter, but Jeju firmly refused. She said she would sell the new car she had just bought to raise money for her mother's treatment. This tragic story is perhaps not uncommon in real life. When we are working and have money, we often think about shopping and enjoying life. It's only when faced with urgent difficulties that we regret not saving. The mental breakdown of adults often starts with financial shortages. Those who don't have enough money to deal with health risks or accidents are more likely to fall into despair.

If you walk around hospitals, you will see how many families have to give up treatment because they can't afford the medical expenses. In remote poor villages in the mountains, you will see how many young children have to drop out of school because their families are too poor. Therefore, the small amounts of money you save every day will be the best protection against risks. Don't think that saving money is shameful; it's the lack of money that truly causes human suffering. Writer Oscar Wilde once famously said, "When I was young, I thought that money was not important, but when I grew old, I realized that I was wrong, money is indeed very important." In fact, a person who knows how to save is investing in their future. On the other hand, a person without saving discipline is borrowing from the future. A truly capable person not only knows how to make money but also knows how to save money. The famous book "The Millionaire Next Door" by American author Stanley recounts an interview with a millionaire businessman.

After the interview, the wealthy millionaire invited Stanley to dinner. Instead of taking everyone to a luxurious restaurant, this wealthy man chose a budget-friendly eatery. This surprised Stanley greatly; why would such a successful wealthy person choose to eat at a cheap place? The millionaire explained that both he and his wife graduated from the top 20 universities, but they didn't need to show off their status through extravagant dining and living. Like many other wealthy people, they live simply, frugally, and save money patiently. They don't care what others think of them; true wealth is not about extravagance and waste but about the ability to accumulate every penny persistently. It's easy to go from saving to spending, but it's extremely difficult to go from spending back to saving. Those who spend excessively will eventually be enslaved by money; only those who save continuously can achieve financial freedom. Life is impermanent, and saving is a living skill that needs to be cultivated. There is a saying that money is a good servant but a bad master. Therefore, you need to apply three methods to keep your money in your pocket.

Live minimally and spend wisely

Desire for spending is like the sea; the more you spend, the more you crave to spend more. To save more money than adults, you need to learn to control and reduce excessive consumer desires. Those who don't worry about finances are those who know how to plan their spending wisely. In the famous book "The Secret of the Millionaire Mind," the author shared the view that to control your cash flow, you must know how to manage it scientifically. In life, it's important to cut unnecessary expenses, only buy what you really need, and save the rest. If you know how to spend reasonably, you will surely have financial stability and feel safer in the future.

Reduce low-quality social interactions and improve yourself

There is a saying that you should work hard to earn a living for yourself, don't let your emotions and life depend on other people's money. Increasing income is the most direct and effective way to improve your life. Instead of spending time on social relationships to feel socially positioned, you should focus more on self-improvement and self-improvement. Spending on useless entertainment or for people who are not really important will not bring any real benefits to you. Only by diligently striving to improve and enhance your skills can your income increase. For example, instead of spending 3 million VND each month on unnecessary drinking sessions with friends, you can use that time to learn a new skill, enroll in an advanced course to increase your qualifications. As a result, your income can increase by an additional 5 to 10 million VND per month, so you are both diligently striving, saving costs, increasing income, that is the smart way of living for adults.

Learn to save regularly

Someone asked on the internet, "How can an ordinary person survive in today's fiercely competitive society?" The answer that received the most likes was to learn how to save money and continue to work diligently. With just a few short words, it clearly expresses the anguish of many adults. The key is to keep track of your own expenses to determine what your real needs are. Then, regularly set aside a small amount of money in a savings account; after a while, you will see that amount gradually accumulate, helping to dispel financial worries. Without careful financial planning, you will find it difficult to have enough money to deal with risks. Therefore, learn how to save money; the money you save is the shield that protects you. Learning how to save will help you avoid financial risks; no one will laugh at you for living frugally and cautiously; they will respect you for planning your financial future. Don't let difficult days come and make you passive; having money in hand but little desire to spend wastefully is the noble quality of adults. I hope you know how to spend money wisely, save discreetly. You will surely be surprised by the effectiveness that the habit of saving brings.

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