I don't know if you have noticed that when you go to the bank to deposit money now, the interest rate is basically a downward trend.
In other words: if you put your money in the bank, it may become less and less valuable in the future, and even depreciate.
So, what should ordinary people do to appreciate their savings?
If you exchange your savings for these 4 things, in 10 years, you will definitely thank yourself now!
1. Replace it with health
Health is the first wealth in life, and without a healthy body, no matter how good it is in other aspects, it will not help.
For ordinary people, health is more important than a car or a house, and when one person gets sick, the whole family is worried.
If you accidentally get a serious illness, no matter how rich the family is, you can't afford it, not only will people suffer, but it will also cost a lot of money, and in the end, it may not be optimistic.
In life, we must develop good living habits, regular work and rest time, eat three meals a day on time, do not stay up late, eat less takeout, and exercise more.
Arrange a regular physical examination for yourself every year, once you feel uncomfortable, you must seek medical attention in time, and don't take minor illnesses seriously.
Only when you are healthy can you have the time and energy to do other things.
Second, replace it with children's education
As parents, they all want to give their children the best educational resources.
Instead of buying toys and electronics for your child, you should use the money to invest in your child's hobbies.
I have a colleague who never dotes on her daughter, but she is super attentive to her investment in her education, from interest classes to private schools, trying her best to create better learning conditions for her children.
Today, her daughter not only has excellent academic performance, but also shows extraordinary talent and strength in the field of hobbies, such as participating in provincial calligraphy competitions, piano competitions, etc.
Of course, all parents are not encouraged to do this, and if the economic conditions allow, provide students according to their aptitude, and it is not recommended to send their children to interest classes and private schools.
3. Replace it with a human circle
Warren Buffett once said: A person's best investment is to invest in himself.
The investment circle is to invest in our network resources, and the network is the bridge to success, and in this society, you have no connections, and it is more difficult to do anything.
When you're fine, don't stay at home to sleep and play games, and going out to see the outside world will bring you a lot of gains.
After I started self-media last year, I participated in offline industry exchanges, interest clubs, etc., which greatly improved my cognition and thinking.
The poor information in the communication has brought a lot of new ideas to my work and life, and also made me more and more comfortable on the road of self-media.
In addition, it is also necessary to learn to maintain and manage good relationships.
Fourth, replace it with investment and financial management
As the saying goes: if you don't manage your money, money won't take care of you.
Learning to invest wisely can make the savings in your hands play a greater value.
We can use a part of our savings to buy stocks, funds, real estate and other assets, which can increase our wealth. Of course, any investment involves risk, and we should choose carefully.
Moreover, investing is a long-term activity, so don't be deceived by short-term high returns.
When it comes to investment, I recommend a few financial books that I often read, hoping to help, "Rich Dad Poor Dad", "Rich People Are Different from What You Think", and "Slowly Get Rich".
Investing in health, children's education, networking, and financial management are four things that cannot be seen immediately, and we need to be patient.
All of the above.