Making money is not the goal, but accumulating wealth is. Accumulate wealth and make friends with compound interest. In order to enjoy the changes by wealth, we need to work hard to do two things: start early and advance early.

Start early. In fact, lack of money is the best time to start to manage money. College is a key point of starting money management. But don't lose heart if you miss it. It's never too late to manage money. The best time is yesterday, and then is today.

Advance early. You will learn a lot by losing some money in the stock market. But if you don't lose money, you may learn nothing. Reading is really important, but don't always think that get ready before you start. Losing money is the premise of learning, and we should formulate different strategies at different cognitive stages.

In terms of accumulating wealth, we should learn from financial leaders we admire. Study ideas of making money. Sometimes making money and accumulating wealth are really different.

For salaryman like us who take investment a part-time job, the best financial strategy is to "earn money while lying down". It is not difficult to establish an investment system of "earn money while lying down" without paying too much attention. Work less and make more money. It is not difficult to achieve 10% annualized yield on long-term investment.

At the same time, do a good job in your main job and do the right thing at the right time, which can obtain cash flow and accumulate wealth, and finally get away from the anxiety of salary.

It is not difficult to accumulate wealth. We can start early, choose the right way and follow the right people, and then we can get benefits. However, not everyone is willing to give up the illusion of getting rich just one night and become rich slowly. However, I believe that slow is fast. And steady accumulation is really rich.

Wealth is not the goal, freedom is. We desire for wealth, but what we really want is freedom and options. Wealth does not mean freedom automatically. Having a lot of money is different from being able to live like a millionaire. We need to turn wealth into financial freedom so that money can never be run out.

The logic of obtaining financial freedom is actually very simple. Work hard, save and transform income into wealth. When wealth accumulation exceeds a certain threshold and cooperate with investment, we can obtain stable cash flow and realize freedom.

It may take 5 to 10 years to achieve financial freedom through financial management, but this road is not as long as it seems.

On the one hand, when we start our own financial freedom plan, changes have begun. After solving financial freedom, many problems and anxieties will fade away on the way; On the other hand, we can also speed up the process of financial freedom through some methods, such as avoiding waste and improving the sense of control life.

（Writer：Tick）