In the journey of life, middle age is a stage full of challenges and opportunities.
However, after entering middle age, many families have encountered the dilemma of "returning to poverty", which has plunged their originally stable lives into turmoil.
Falling back into poverty in middle age is not only related to the economic situation of the individual, but also directly affects the happiness and future of the family.
First, the double blow of unemployment and debt
"Unemployment and debt are equal to lore."
This is the harsh reality that many middle-aged people face. Unemployment means the cutting off of sources of income, while debt acts as a heavy shackle that keeps families struggling to extricate themselves.
Once both happen at the same time, the family's financial situation will take a sharp turn for the worse and it will be difficult to recover.
Mr. Zhang used to be a middle-level manager of a company and unfortunately lost his job due to industry adjustment.
He was already burdened with a mortgage and car loan, but after losing his job, his income plummeted, and his debt pressure increased sharply.
After an unsuccessful attempt to re-enter the workforce, Mr. Zhang's family fell into an unprecedented predicament, with a significant decline in their quality of life, and even faced the risk of their property being repossessed by the bank.
Second, the heavy burden of health problems
"Health is a condition of wisdom and a sign of pleasure."
This quote from Senega profoundly reveals the importance of health for individuals and families.
However, midlife is often a period of high incidence of health problems, such as high blood pressure, diabetes, heart disease, etc., which not only affect the quality of life, but also bring high medical costs.
Ms. Li is a middle-aged working woman, and her long-term high-intensity work has made her neglect her health.
A sudden heart attack forced her to quit her work and enter the long-term treatment phase.
The high cost of medical care almost depleted the family's savings and interrupted her career.
The financial and psychological pressure on the family has increased dramatically, and the quality of life has plummeted.
3. Blind investment and financial traps
"The rich die from investment, the middle class dies from financial management, and the poor die from consumption."
This sentence is rough but reasonable. After accumulating a certain amount of wealth, middle-aged people often hope to achieve wealth appreciation through investment and financial management.
However, a lack of professional knowledge and rational judgment and blindly following the trend of investment can easily fall into the trap of financial management and lead to the loss of all capital.
Mr. Wang is a middle-aged entrepreneur who started to get involved in the stock market and real estate investment after a successful career.
Due to his lack of experience and accurate judgment of the market, his investments failed many times, not only losing a large amount of principal, but also saddled with heavy debts.
As a result, the family's financial situation was in crisis, and Mr. Wang's mental state was also severely affected.
Fourth, there is an imbalance between excessive investment in education and returns
"The purpose of education is to prepare young people for lifelong self-study."
However, in real life, many middle-aged people do not hesitate to invest huge sums of money in education in order to let their children win at the starting line, but ignore the essence of education and children's interests and talents.
This over-investment often leads to an imbalance in returns, or even a loss of money and money.
Ms. Zhao is a middle-class mother who spends a lot of money to send her children to study abroad in order to get a better education.
However, after returning to China, children face difficulties in finding employment and low salaries, and it is difficult for the high investment in education to pay for itself in the short term.
As a result, Ms. Zhao's family has been burdened with a heavy financial burden and their quality of life has also suffered.
Fifth, lack of planning and blind following
"Those who learn from me live, and those who resemble me die."
Qi Baishi's famous quote warns us that blindly following the trend and lacking assertiveness are one of the important reasons for returning to poverty in middle age.
In a rapidly changing society, if there is a lack of clear planning and independent judgment, it is easy to make wrong decisions in terms of consumption, investment, etc., resulting in family financial difficulties.
Mr. Liu is a middle-aged professional who sees that his friends around him are speculating in stocks and buying houses, and he also follows the trend.
However, due to a lack of expertise and market judgment, his investments failed several times
At the same time, in order to satisfy his vanity, he also bought a large number of luxury goods beyond his financial means.
These poor decisions plunged Mr. Liu's family into a serious financial crisis.
The five signs of returning to poverty in middle age are like five mantras, always reminding us to be vigilant against potential risks in life.
In the face of these challenges, we need to keep a clear head, rational judgment and positive action.
Rational family financial planning, health care, rational investment, moderate education, and maintaining independent opinions are the keys to avoiding poverty in middle age and protecting family happiness.
As Seneca put it, "Frugality is a great fortune in itself." "Let us take thrift as a virtue and wisdom as a guide, and jointly resist the risk of returning to poverty in middle age and welcome a better future."