A Clever man cannot make money

 

There are some people can make money but there is no one hire him. Finally, I know that not all university graduates cannot make money, whereas money is important for people. Paying college fee also need money too.

Some clever man cannot make money. I found a master’s degree lay the poster that is written he need money and he want just want food for jobs. It is difficult time to get job at the time. Today, the COVID 19 also make people poor because some office close.

A Master or doctor degree is not a guarantee. You must find other people or company who want to pay your services. It is not easy. Some employment only pays for right person. To be right person, you should have skill and knowledge. More experience, more money you get. The employment pays more than other people.

That is why, you should also find the suitable education. Most company seek the business graduate school because company need to operate the company. They need to manage the company to raise so many profits.

When they study in college, they can find jobs or open a business. They will need someday. They do not have to find job when they have a business. Some graduated can make money more than an officer in multi national cooperation officer.

How to use salary to reach financial freedom

Only few employee can reach financial freedom due they just have little salary. Sometimes the salary is not enough for them because the cost of living is higher than the salary. No matter how much your salary, you can use it to reach financial freedom.
Do not trust to people who say the employee cannot reach financial freedom. Create some action to use your salary.

1. Saving the part of salary
Even you just get hundreds dollar from your boss, you should save little money. Saving is important for emergency fund that you can use whenever you need.
Saving keeping the value of your money and keep pace with price of goods. Due the downturn economic, the goods price are increasing.
Some employee saves money for the business capital. Founding a business needs money to buy the material, to hire the employee, to market the business. 
2. Invest wisely
little money that you invest can grow to abundant money. The investment is very important for your future too. When you retire, you wan withdraw the money.
While you still receive the money from boss, you can invest it to risky investment. Despite the bad economic, little stock can generate more money. In China, the stock return has hit double digit return. You will never find the stock at other place. Seek out the investment at the new emerging country such as Brazil, Russia, and India.
3. Education
There are so many employee who enter the college or university or college. You should choose the marketable subject such as accounting, management, IT, nursery, and others. Those major can make more money than others subject.
After graduated from the college, you can ask the boss to increase your salary. The boss may consider your education to raise your salary. If your boss do not care to what your requirement, you may find other boss.
4. Setting the goal for future
What is goal for the short term, middle term and long term. The goal can encourage you to work more hard. The goal should be match with your salary.

Why you need to increase money when retire

When you retire, it does not mean you can feel free. Perhaps there are some money that may harm you. Here are the cost that may harm you:

1. Maintenance the house
After you stay for twenty or thirty years, your house may damage. Perhaps the rain has damage the roof. Surely, you have to improve it or your house will break. The maintenance is not cheap, you have to pay the roof and the repairman service.
Some house needs improvement in the wall, the window, or others. If the retire want the best material, they should dare to pay more.

2. Kid Education
If you have still young child, you should fund the kid. Your kid college fee may need your money. Surely, you cannot ignore your kid college or you will need money to care them. For example: If they do not pay the college, they will stop to study. If they stop study, they cannot graduate the college. If they cannot graduate the college, they will be difficult to find jobs. If they have no jobs, you must help your kids to fulfill the daily necessity. Surely, you have other option to expel your kid from your house. It is your choice .

3. Health
Some sick retire may spend so much money for medical expenses. The young who do not keep the health will get so many diseases in the old time.

Photo by : Philip Taylor PT


4. Hobby
After retirement, some worker focus on the hobby. They use the severance to buy collectibles such as coin, stamps, painting and statue. A piece collectible is hundred thousand dollars. The crazy collector may spend the money for it whereas the real value of the coin is just dozen thousands dollars. The are tempted to collect the coin that is not important. Perhaps they think that the collectibles will generate money from them.
The maintenance of hobby is usually expensive too. A collectible do not need expensive maintenance but caring pet needs high cost. Example: Cats need the expensive food. My brother has six cats (one mom and five kitten). He needs $200 a month for cat feed, not included cat sand and vitamin. My brother also do not bath the cat to pet salon. He can bath the cats alone. Fortunately, the cat is health. We do not have to ask veterinary to cure the cats. In my country, the veterinary cost is not expensive just $ 10-$20. I believe the cost of veterinary is more than $ 100 in United States.

5. Child trouble
Perhaps your child owe some money to mafia. Surely, you should pay the debt or Mafia will kill your child. As a parent, you will not let any people hurt your child.

How to make your child rich

Some lucky child could be rich whereas they still young. The child rich must get good education from the parents. The parent has success to make the child rich.
In my country, a kid could generate money from his father. The father has taught them investment lesson.
Certainly, you can also make your child rich. To make your children rich you can give them money or you can teach them about business. 
1. Teach them some education
You can direct them to love some science. Explore what your child's talent. Few kid can generate money from games, software, anti virus, and others. Some talented writer have written the book while they were child. The best seller book can generate million dollars. In my country, a pair kid build an English language games for kids. He won the prize. I believe the kids can gain so much money.
2. Buy the land for them
The land price is never go down. It is a good investment for your child future. You can make property or estate above the land. Building a farm crop is also good idea amid the house price is low. Farm crop can produce cereal, fruit, and vegetables that you can it to the market.
3. Buy antique things
Some people can generate million dollars from unique things. There are baseball or basketball that is very expensive. Be sure to buy the original. You can save for your kids now and your kids might sell it someday high price.  
4. School the child
Education is the important things for the kids. Most success people are graduated from university. The university and college does not guarantee you get the right and good jobs. However, the university teach you about how to make money and how to life in this world. Some university start the business rather than finding a job. They prefers to apply the business knowledge from the university. They are more wealth than their friend who work for the company. The university direct them become successful businessman.
5. Investment
Some parent buy blue chip stock for the children future. Those investment can pay dividend every year. Some parent may get spectacular benefit.
In past time. the parent save some precious metal or stone. The kids could be rich by inherit those things. The parent should save it at safest place.
Rich is a destiny according to my opinion. No matter how you try, you still be poor if your destiny is poor. How to make your child rich