Everything is changing along the preset track, some customer changes and accidents, some customers suddenly went out of business, some personnel suddenly jumped ship, the number of customers maintained by the company is gradually declining, and their age is gradually entering middle age, maybe they should have everything, or maybe they are rich and peaceful, and suddenly found that they can no longer be as full of infinite passion and enthusiasm as fifteen years ago to devote themselves to the development of new customers, and now they are already the post-90s generation began to go to work, and they can't always run over with a bowl and basin to tell others: Little brother and sister, let's give me some food to eat!

There will always be ups and downs in life, ups and downs, I think the most important thing is to do the right thing at the right time, as I gradually passed the age of not confused, but also clearly realized that the future is full of too many uncertainties, just as my father told me before his death, you must work hard to manage your life before the age of forty-five, because this represents your life! So I was brewing my fourth five-year plan after coming to Kunshan, and began to discuss my ideas seriously with her.

"Dear, as we grow older, the ability to create wealth is declining, with the gradual increase in labor costs and the cost of means of production, more and more enterprises will gradually migrate to Vietnam, Thailand and other Southeast Asian countries, in fact, after the Second World War, it is such a migration process, after World War II, the United States' national strength expanded rapidly, and then quickly migrated to Europe, and then migrated to South Korea, Japan, a coastal country in Southeast Asia in the seventies,** , Taiwan, Singapore, China's reform and opening up, the low cost of labor has attracted the third wave of transfer and migration, and now it should be the fourth wave of migration. I was analyzing with her the formation of the post-World War II world pattern, and then I changed my conversation. The limitations of our industry are also showing more and more, the price of the service industry is relatively unchanged and even declining, and the increase in labor costs has accelerated to offset and compress profit margins, fortunately, we are an asset-light service industry, the pressure of assets and liabilities is not, but we should clearly understand the dilemma that will occur in the next five years and more long-term possibilities, and we should seriously formulate a plan for the next five years. ”

"Then how do you think the next five-year plan should be appropriate?", she has always been a little at a loss,

"In my opinion, we should still take economic indicators as the assessment parameters, we should settle the entire loan balance of this house within five years, because my son is about to graduate from college in five years, and after graduation, he may face the matter of getting married, and he has to prepare a large amount of money, the future has not yet come, but it will definitely be presented as I want, so we have to have a rainy day arrangement and planning for the future. I said what I thought and what I thought.

"Anyway, I followed you non-stop in repaying the loan, and I never stopped, I was speechless!", in addition to being at a loss, there was a consistent complaint in her words.

"You don't have to worry too much, I have carefully analyzed and studied, this mid-life crisis has always existed, from my father to middle age, he is facing the same old and young, and he has to scrape together to buy a wedding house for his son, and the economy has gradually entered a cramped and uneasy situation, and then go back half a year to those who are more than ten years older than us These old guys, there have always been similar problems, this has always existed; in fact, we have arranged very well, we only need to clear all the loans in the next five years, and there will be no problemAfter all, the father-in-law and mother-in-law have their own pension and medical insurance, and we don't need to bear too much, even if your mother-in-law has no retirement and medical care, only one urban resident insurance, but she also has 2600 pocket money every month, we only need to go to Huashan Hospital every year to hospitalize her to monitor the balance of hormone medication, so we still need to continue to work hard for five years, believe me, after we achieve the fourth five-year plan, we will not let you continue to repay the loan!".

"So what exactly?", she was still a little confused.

"It's very simple! The annual rental income must not be used for other purposes, and it is used to repay 200,000 yuan in advance every year, and the loan will be completely cleared in five years. I continued, "Don't speculate in the stock market after the money in the stock market is unbundled, all kinds of routines, we can't make money in it, facts speak louder than words, we do lose a lot of money in this, think about the past ten years have not made money in the stock market and have been cut in half, on the other hand, we still have to repay the high loan interest of the bank, this is really a loss-making business! Rather than this, it is better to clear out the loan in advance or change to a new car!".

"No, I won't touch the money in the stocks, I'm going to continue to play with the stocks!", she didn't seem to see the problem at all, but blindly immersed in her self-entertaining and self-righteous stock trading happiness.

"What do you want? What I have observed and learned before this is that after the stock has risen and made money, you do not sell it in time to become a ready-made profit, but are immersed in a kind of utopian happiness, cheering the fictitious profit on the paper every day, and then after the stock has fallen, you ignore it and ignore it, and fall into a negative and pessimistic mood, what is the purpose and significance of your doing? Not to mention the fact that it has been cut in half, even if it is to protect the capital, in the past ten years since entering the stock market, the purchasing power of these funds has been offset by inflation, why can't you see the problems in this?", I really can't understand her lack of intelligence.

"Anyway, I'm definitely not going to touch the money in the stock!", her self-righteousness reached the point of unreasonableness.

"Then this matter, let's use it as a spare tire first! When we need money urgently in the future, let's arrange adjustments! I'm afraid that when we need money urgently in the future, I'm afraid that this money can only buy a sheep, I still hope that you can seriously think about my opinion!", I repeatedly reminded and hoped that she could pay attention to my opinion, "In this case, we will follow the set strategy to repay the bank loan of 200,000 yuan in advance every year, and clear all the loans within five years!" I don't have the strength to argue with her anymore, God opened one door for her, but closed two windows, gave her a perfect face, but closed her EQ and IQ.

The crisis between me and her is not at all a crack in the relationship, and sometimes I am also very puzzled and depressed: why can the husband and wife achieve the effect of "1 + 1 is greater than 2", why am I "1 + 1 is less than 2", my heart is really tired, I know that I am angry with her to vomit blood on the way to run hard......