In the face of ordinary Chinese people who are uncertain about the future, there are six principles of survival: First, what to do is to reduce desire and risk exposure. We must take the initiative to downgrade consumption and give up our obsession with fame and fortune, because many things that look glamorous are essentially burdens. Don't invest, don't manage money, don't take out loans, don't guarantee, don't buy a house, start a business or change jobs frequently. If you can borrow less money, borrow less, if you can't show off, don't show off, and try to stay away from famous brands, luxury cars, villas, and high-rise residences. For ordinary people, debt, exposure, and unnecessary expansion are often more dangerous than poverty itself. Second, self-protection and emotional management. Taking care of yourself and your family is the first principle that you cannot give way at any time. Don't intensify conflicts, don't fall into antagonistic emotions, try to maintain a state of "light balance", and stay rational and calm. We must really learn to think, not to judge emotionally or go with the flow, to have our own opinions, and to deal with risks in advance, rather than waiting until the last moment to regret "what did you do earlier". When survival itself cannot be guaranteed, self-cultivation, face, concerns, and even so-called cowardice become meaningless. At the same time, adhere to a bottom line: do not participate, do not do evil. Third, it is to establish a "scorched earth mountain warehouse" survival structure. In the city, it is enough to keep a house for self-occupation, and there is no need to continue building unless there are too many assets to be used. At the same time, the houses and farmland in their hometowns should be packed up to ensure that they can be lived in and used at any time, because the countryside has the maximum self-sufficiency. Ideally, there should be a second foothold in different villages or areas, so that even if the external environment changes drastically, there is always a way out. Fourth, it is to diversify resources and reduce single-point risks. The logic is simple, don't put the eggs in the same basket. Cash, foreign currency, cryptocurrency, and gold can all be appropriately allocated, and the cash in the bank is mainly cash exchange. It is non-negotiable that deposits should be prioritized in large banks and the systemic risks of small institutions should be avoided as much as possible. At this stage, instead of maximizing returns, prioritize security and liquidity. Fifth, be prepared and prepare for extreme situations in advance. If conditions permit, try to prepare multiple long-term visas or PRs, provided that the passport is valid, the status is activated, and there is really the possibility of "just saying and going". At the same time, adjust your living status to "factory slow mode", keep medicines, cash and emergency equipment in the refrigerator and reserve system, and be prepared for no water, no electricity, no net, and no gas at the psychological and physical levels. Preparation itself is a hedge against uncertainty. Sixth, be cautious and promising, and improve yourself in the crisis. Not wasting any crisis is the only possible initiative for ordinary people. for individuals, it is to continuously improve their abilities; For enterprises, improving organizational capabilities is the greatest capital to combat uncertainty. In this case, we must learn to look for opportunities in the crisis, achieve growth in the adverse trend, create increments in the stock, and remain calm in the dazed. The above is just a personal way of thinking, without any reference basis, and does not constitute advice. You don't have to take it seriously, understanding this thinking path itself may be more important than the conclusion.
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In the face of ordinary Chinese people who are uncertain about the future, there are six principles of survival: First, what to do is to reduce desire and risk exposure. We must take the initiative to downgrade consumption and give up our obsession with fame and fortune, because many things that look glamorous are essentially burdens. Don't invest, don't manage money, don't take out loans, don't guarantee, don't buy a house, start a business or change jobs frequently. If you can borrow less money, borrow less, if you can't show off, don't show off, and try to stay away from famous brands, luxury cars, villas, and high-rise residences. For ordinary people, debt, exposure, and unnecessary expansion are often more dangerous than poverty itself. Second, self-protection and emotional management. Taking care of yourself and your family is the first principle that you cannot give way at any time. Don't intensify conflicts, don't fall into antagonistic emotions, try to maintain a state of "light balance", and stay rational and calm. We must really learn to think, not to judge emotionally or go with the flow, to have our own opinions, and to deal with risks in advance, rather than waiting until the last moment to regret "what did you do earlier". When survival itself cannot be guaranteed, self-cultivation, face, concerns, and even so-called cowardice become meaningless. At the same time, adhere to a bottom line: do not participate, do not do evil. Third, it is to establish a "scorched earth mountain warehouse" survival structure. In the city, it is enough to keep a house for self-occupation, and there is no need to continue building unless there are too many assets to be used. At the same time, the houses and farmland in their hometowns should be packed up to ensure that they can be lived in and used at any time, because the countryside has the maximum self-sufficiency. Ideally, there should be a second foothold in different villages or areas, so that even if the external environment changes drastically, there is always a way out. Fourth, it is to diversify resources and reduce single-point risks. The logic is simple, don't put the eggs in the same basket. Cash, foreign currency, cryptocurrency, and gold can all be appropriately allocated, and the cash in the bank is mainly cash exchange. It is non-negotiable that deposits should be prioritized in large banks and the systemic risks of small institutions should be avoided as much as possible. At this stage, instead of maximizing returns, prioritize security and liquidity. Fifth, be prepared and prepare for extreme situations in advance. If conditions permit, try to prepare multiple long-term visas or PRs, provided that the passport is valid, the status is activated, and there is really the possibility of "just saying and going". At the same time, adjust your living status to "factory slow mode", keep medicines, cash and emergency equipment in the refrigerator and reserve system, and be prepared for no water, no electricity, no net, and no gas at the psychological and physical levels. Preparation itself is a hedge against uncertainty. Sixth, be cautious and promising, and improve yourself in the crisis. Not wasting any crisis is the only possible initiative for ordinary people. for individuals, it is to continuously improve their abilities; For enterprises, improving organizational capabilities is the greatest capital to combat uncertainty. In this case, we must learn to look for opportunities in the crisis, achieve growth in the adverse trend, create increments in the stock, and remain calm in the dazed. The above is just a personal way of thinking, without any reference basis, and does not constitute advice. You don't have to take it seriously, understanding this thinking path itself may be more important than the conclusion.