I don't know if anyone has noticed a phenomenon, but the frequency of luxury cars and luxury homes appearing on social media is decreasing.

It can be seen that the lives of the middle class and petite bourgeoisie are also difficult. Although they seem to have unlimited glory, in fact, a slight mistake can completely eliminate them.

The boss living in a western-style building may have a problem with monthly payments, while the boss driving a luxury car only dares to add 100 when refueling. The Zhonghua box is not filled with Zhonghua.

A netizen said that their investment failed this year, and their child's tuition fees were borrowed from their father-in-law.

There are many opportunities for people to make money in their lifetime, but just one failure can make you fall from the cloud to the bottom.

It is said that ordinary people living at the bottom have a difficult time, and the middle class's life is even more difficult.

The middle class is like a high-speed train that starts without a brake button and can only move forward.

Because these riches are bestowed by the times and closely linked to real estate and the stock market, sudden wealth can make you forget yourself and mistakenly believe that you are a child of fate.
The hidden danger has already been buried

Some people say that since everyone is living a life of petty bourgeoisie, don't invest recklessly and save money in the bank to earn interest. Isn't it profitable to lie around and earn money?

This simple truth, you can understand, and others naturally understand, the key to the problem is that the money of the middle class is not their own money.

For example, buying a property worth one million yuan with a down payment of 300000 yuan and a remaining loan of 700000 yuan may appear to increase wealth, but in reality, it increases debt.

You not only need to pay the principal, but also the monthly payment, and many assets are based on the foam.

On the surface, having a car and a house makes life very comfortable, but only oneself knows that the true net worth is already negative.

Once there is a problem with the source of income, this illusory foam will soon become a cloud and disappear without a trace.

So we can only try our best to blow the foam bigger and bigger, even if we know that investment is risky, we can only fight for it.

Many times, the middle class's return to poverty is due to the urgent need to expand their surface assets, resulting in a high debt ratio, which by the time it is discovered, cannot be stopped.
When the tide recedes and consumption does not downgrade, those little brothers who used to surround themselves are all running as far as they can go.
Early recognition of reality

The current environment is like rowing against the current. When it's time to take a step back, do so. Don't foolishly touch a bag.

Smart people have been preparing for the future by replacing large houses with small ones and luxury cars with family cars.

Even if you have money, you still have to hide your shortcomings. In this current state, everyone's life is not easy, so don't be a rising star.

No matter how inflated the value is, exchanging it for tangible cash flow is the only safe way.

When buying something, first ask yourself if it is a necessity, and if not, postpone it.

Develop the habit of keeping accounts and stop using credit cards, which can effectively control consumption.

If possible, try to increase a side income without affecting your primary job.

Because the future is always full of uncertain factors, and the middle and small bourgeoisie are only one step away from bankruptcy.

Every additional source of income increases your ability to withstand risks.