In the animation “Finding Nemo,” the main character, Nemo, asks questions about the sea and where he lives. “What is the sea?” Hearing this, the dolphin puts Nemo on its back and jumps over the water to reveal her world. When you are in the sea, you do not know what the sea is. However, when you rise above the surface, you can see that the sea is a place where water gathers at a low level, and above it are air and land. She eventually realizes that she is also on the ground with water. If you want to understand the essence and grasp the reality, you must step out of the place you belong to for a while. Further development and reform can be expected. - Joseph’s “just my thoughts”
The most common excuse for people who can’t save money is that they don’t have enough to spend. This is true, but it is also unacceptable. You don’t have enough to spend because you’ve pulled your future income into the present and spent it in advance. Taking a loan , getting an investment , and using a credit card all share one thing in common: they move future time into the present. There can be no investment that ignores the effect of time and no money management that does not consider time. Discounting the future means that there is no present income; instead, future income is drawn into the present and used. There is only one way out of this trap. Currently, the only way to reduce expenditure is through frugality . After that, you can only increase your income . - Joseph’s “just my thoughts”