Xiao Xia, the matter that my mother wants to talk about is a field where my mother is very confused until she is in her thirties. But my mother wants to tell you that it is very necessary to understand the field of investment and finance. Not only that, but I hope you can also have some idea of the day-to-day legal terms, basic financial knowledge, and general psychology. This is the basic operating rules of the world and society, and we are deep in it, just like the villains in the game, if we don't even know half of the rules, how can we master our own direction and control our own lives.

Many people think that women are not good at this field, but my mother wants to tell you that this view is a wrong influence of society on women, and the knowledge of these fields is not difficult in itself, or in other words, knowledge in any field is not difficult. As long as we are quiet and use logical thinking to understand, we can understand and comprehend. So Natsu-chan, you can do very well.

For many reasons, my mother didn't integrate these things in my heart early, so when life pushed my mother to the cusp, she would suddenly have to passively accept the impact of this knowledge just like now. This feeling was very painful, and my mother once felt that she had no way out, like a puppet, passively accepting the abnormalities of life and the consequences of her own ignorance.

Therefore, ignorance of these common senses can give us a sense of desperation at critical moments.

Why is my mother desperate because she doesn't know this? The story has to start before Mom and Dad get married.

At that time, my mother didn't make a lot of money in the company, but my mother was a veritable moonlight family. Your grandfather always likes to compare your mother's income with the average of all the people in the city, although your mother thinks that it is not reasonable to use such macro data to compare the actual life of micro people, but it is not impossible to use it as a reference. Mom was supposed to earn two to three times the average income in the city.

The young mom rented a big house with a bedroom, kitchen, a place for mom to exercise and a place to change clothes, and a storage room. Not only that, but my mother also has three kittens.

At the end of each month, my mother would take her salary to buy beautiful clothes, then cosmetics and skin care products, and then pay for some necessities, such as electricity, water, telephone, and rent. If you use your salary like this every month, your mother won't be able to make it to the end of the next month, and her bank account will be stretched.

Is there anything wrong with spending like this?

Have you ever noticed that moms put their own living necessities in the second place behind the cost of beautiful clothes and enjoying skin care? In this large pile of expenses, my mother did not mention the savings that need to be set aside for savings, studying, and traveling.

So naturally, mom's clothes and skin care products are very rich, mom has a lot of clothes, you can choose from a variety of combinations, skin care products have also begun to transition from European civilian series to some Japanese high-end series.

But the identity of the Moonlight Clan brought a feeling of insecurity to my mother. In many cases, there are very complicated and tangled feelings in the mother's consumption process. On the one hand, pleasure is ranked as a priority for consumption, and on the other hand, they dare not boldly buy really good products, because they know that the account will quickly bottom out and retreat to the second.

Not only that, but there is no way for my mother to keep shopping and at the same time prudently invest in her studies while trying to shrink her expenses at the end of the month.

All this made my mother stop in the consumption cycle at that time, and the whole person had no way to progress in both knowledge and consumption.

At this time, this is the time oh, Mom met Dad. His step-by-step financial management concept still admires his mother very much.

When Mom first met Dad, Dad was already a diligent little rich man who worked hard to save money silently from junior high school to adulthood.

Compared with my mother and other peers, my father is very purposeful in saving money, and he has a very correct concept, that is, money is a combination of saving and reasonable consumption, so that it can be slowly accumulated.

This point has always given my mother the feeling of empowerment. My mother used to think that money needed to make a lot of money and then spend it slowly, but in fact, once we started a normal life, we found that we need to consciously save money.

In fact, many consumption processes are promoted as if they have been hypnotized. In the process of consumption, if you can add a sense of consciousness and ask yourself, this matter, whether I need this thing, whether its cost performance is reasonable, whether I have this part of the budget, whether it will make me deviate from my short-term, medium-term and long-term financial goals, can help us wake up from the chaos of hypnosis. And the more times we wake up, the more we can use our money more wisely and keep it with us.

After mom and dad are together, they know that dad is a conscious consumer and will consider value for money in countless small things. At the same time, Dad can grasp the degree of storage and saving very well, and will not stride into the extreme of stinginess because of the consciousness of saving money. He is a very relaxed and good person who is good at managing money.

Under such worship, my mother made a very big mistake in her life, that is, when the opportunity to learn was in front of her, she completely gave it up and chose to rely comfortably.

Mom gave her salary card and all the savings to Dad. And with a great sense of trust, he indirectly gave up the right to know about family finances. The psychology behind this is very complex. If you understand this matter from the perspective of my mother alone, my mother thought like this: my mother once thought that my father was a person who cared about money very much, and accumulating wealth was his life's big goal. Mom earns more than Dad, and is willing to give it all to Dad, and gives him everything without reservation or prying eyes. In that case, my mother thought at the time, I should get a lot of love like this.

It is important to mention here the waiver of the right to know, which almost single-handedly caused the separation of parents and parents. The honey that my mother once thought was actually a sword that cut the relationship between my father and mother.

Mom thought that not regularly knowing the total family income could give Dad a complete sense of trust and freedom, and make him feel that he was alone because of my existence, and the income of these two people could bring him more overlapping interest and investment possibilities. All because I want him to be happy and that he reaches what he calls "financial freedom" as soon as possible.

However, in the end, my mother never saw the total family income until she broke up with my father, and gave up the right to know, which directly led to my mother being like a blind person, in the dark breakup entanglement, without direction.

During the breakup between Dad and Mom, he suddenly changed from a millionaire in Mom's imagination to a poor man in debt, and Mom didn't know where to find the savings that Mom should have. Everything is unthinkable. At the same time, because my mother did not learn financial knowledge but blindly relied on my father, in the end, my mother could not tell the ins and outs of money.

The loss of money is not the most sad thing for Mom, what really makes Mom see that she is wrong is Dad's feedback on all this. It turns out that a piece of my mother's heart is a drag in my father's life. Dad thinks Mom hasn't paid for this family. When the conflict was at its most intense, my father asked my mother, do you know how much electricity and water are at home? At that moment, my mother understood that what she gave up was not only money, but also life itself, as well as the family role itself. Their own dedication, their laziness. The truth is like drinking water, cold and warm do not have to be exchanged.

Back to Mom's unexpected drama. The mother on the stage is a child who was covered by herself and gave up studying, crying and bumping into each other, while the most eye-catching audience in the audience also said, you don't perform well when you have the opportunity.

Xiao Xia, this headless fly-like performance was created by her mother. A sense of control and dependence, Mom now understands that there is a balance between the two ends.