She is a good wife, although she never buys vegetables and cooks, but I will, but she will clean up the housework and clean up, although she has the control of the family's economic power, but she is definitely the kind of woman who is very good at living, never willing to spend money to buy expensive clothes for herself, but often buy me nearly thousands of clothes, and her clothes and skirts are basically selected for her when I accompany her shopping, she is very thrifty, has been trying to save money, which is really similar to her father-in-law: save money, save money。 Until one day she excitedly said to me: "Husband, I am now a gold VIP of the Bank of Communications, and the Bank of Communications has also opened a bank card with our names printed on it for me and you?"

"What gold VIP, what bank card, what's going on, start from the beginning!", I was dealing with things, confused, looking at her with a confused look and a little excited.

"I deposited 1 million yuan in the Bank of Communications, and the branch president of the Bank of Communications pulled me and said, help me immediately apply for the gold medal VIP and the bank card engraved with our names, and just sit in their VIP private room for any business in the future, and their staff will send it to the private room after it is done, how about it, cow?", she said to me eloquently.

"Do we have so many deposits now?", I don't know the exact number of money.

"Yes, yes!"

"Take it out immediately, and prepare to buy a storefront house for retirement in the future!", I immediately told her categorically, "You fool, you keep this money in the bank, and the bank also takes our deposit and lends it to those who want to take out a loan to buy a house, and earn the difference in interest!"

"But......" she hesitated.

"What's the point? This money is not enough to cover inflation with annual interest! Do as I say, and on weekends we will go and see if there are any suitable shops worth investing in, and buy a set to supplement our pension after retirement. ”

So when I have time, I will start to look at some suitable shops on the Internet to prepare for investment, and when I take her to see the house, I have repeatedly taught her how to analyze and judge that this is a shop with investment value: first of all, we have to consider that the shop should be on the main road or in a residential area, or near the factory building, there is sufficient passenger flow, so the shop has the ability to resist the fall and risk in any case; 。 Pick and choose to take a fancy to a new community on Tongfeng East Road a pure first-floor storefront room (77.77 square meters, 1.28 million yuan, annual rent of 60,000 yuan, return on investment of 4.69%), the original landlord to do business capital chain broken, in urgent need of capital turnover, I think this house meets all my expectations and assumptions, so I went through the intermediary to negotiate and sign the contract, loan 300,000 yuan.

After telling her, her face was full of displeasure: "Husband, we just paid off the loan of the townhouse, and now we have to bear the loan of this shop, and we have been repaying the loan since we followed you, when will it be the head?!", she expressed complaints and dissatisfaction.

I patiently analyzed it to her, although I knew that she might not be able to listen or understand:" I have analyzed and summarized that our parents and our generation will encounter economic difficulties in three periods of their lives in the future: first, if we do not have the support and help of our parents when we get married and start a family, it is indeed quite hard and difficult for us to start a self-made family, and we have already passed the first difficult period; second, when our children enter the study stage of high school and college, and when both parents begin to grow old and sick, they will enter a relatively tight period of economic difficulties, the so-called mid-life crisis; and the other is that in the future, after we retire, you will find that your pension is completely beyond your means。 Therefore, we should take advantage of the time when we can make money, and try to plan and plan for the crisis situation that may arise in the future, because we are still young and it is not yet time to enjoy pleasures; In fact, there is a coefficient ratio relationship between people's income and housing prices, I believe that my ability to analyze and judge the future, absolutely will not be wrong, although there is a loan in front of me, but the rent can fully pay the loan, with the growth of inflation, the rent will also increase year by year, and the house itself will be in the appreciation every year, the so-called rich people loans, no money people deposits, to fully realize the expected effect of inflation, so we only need to prepare about 6-80,000 yuan of current reserve for emergency！”。

Although she has the power of the economy at home, but the major investment decisions and analysis are made by me, I analyzed with her for a long time, and she finally nodded in agreement with this decision, in fact, this loan did not take two years to pay off.

On the National Day of 2011, when my father learned about our investment decision, he was very happy and happy, and after taking him to see the location and location of the shop, he gave me a thumbs up and said, "Son, you have far surpassed my father back then!"

Since the future we can see is bound to come, why don't we prepare in advance?!