Chen Liang looked around the audience with a peaceful smile on his face.

"If I'm not mistaken, what everyone wants to do the least is going to work, so your inner definition of financial freedom is nothing more than not going to work, but you can still live a comfortable life, right?"

"A few people may have dreams of villas, luxury cars, yachts, and traveling around the world, but these are all plus points. It's best to have it, and it's okay not to have it. In short, being able to get rid of work and keep yourself safe from food and clothing is the core requirement.

And I actually thought about this issue after I graduated."

Hearing this, many students smiled and felt that Senior Chen Liang, who was shining on the stage, felt more intimate.

No matter how awesome they are now, a few years ago, they were just like them, and they would worry about their job and future after graduation.

"If you want to achieve financial freedom, it goes without saying that the most basic thing is that you have at least a three-bedroom apartment of more than 100 square meters in your city and a decent car with a market value of more than 200,000 yuan. However, this configuration is a bit compact. If you upgrade it to more than 150 square meters, it will be even better to add a car of more than 300,000 yuan. The next step is the key to whether you can lie flat.

Not having to go to work means that you have to rely on asset income to cover your daily expenses. Just take first-tier cities and third-tier cities as a reference. The annual expenses of middle-class families in first-tier cities are in the range of 300,000 to 400,000, and the annual expenses of decent families in third-tier cities are in the range of 100,000 to 150,000. Since we are already discussing financial freedom, we will bet on the line and take two numbers: 400,000 and 150,000.

Middle-class families in first-tier cities generally have mortgage loans, with a monthly payment ranging from 15,000 to 30,000 yuan. I'll assume that the mortgage loan per year is 300,000 yuan. In third-tier cities, many families do not have mortgage loans. Even if there is one, it is basically only 5,000 to 8,000 yuan per month. Even if it is 80,000 yuan per year, roughly calculated that the annual expenses of first-tier cities are 700,000 yuan and 230,000 yuan per year.

Let me first state that we are discussing a life of financial freedom, so the expenses are higher than the standards of ordinary people. As long as you know some financial investment, the annualized income can be maintained at least 6%-7%. In other words, you have about 10 to 11 million cash in first-tier cities, and 3.5 to 3.8 million cash in third-tier cities, and you can almost rely on income to support yourself. However, this math problem has not been completed here. In this way, there will be no problem next year and the year after tomorrow. It should be OK. But ten years later, 20 years later, if you still want to cover your expenditures with income, your quality of life may decline, because currency will lose its comprehensive purchasing power due to inflation. Therefore, all the students here should be clear about the standard of wanting to achieve financial freedom, right?"

After Chen Liang finished speaking, the male classmate who asked the question subconsciously helped his glasses, showing a bitter look on his face.

He came from a small city, but he had no intention of returning to the small city. He wanted to settle down in a big city and realize financial freedom, but he actually needed more than 10 million yuan!

Is this too difficult?

"There are very few people in the country who have achieved financial freedom, and the meaning of life is not to be content with the status quo, but to work hard."

A girl stood up with a serious expression and neat short hair, and she looked like a student who was eager to be enterprising and would always sit in the first row in class.

She held the microphone and looked directly at Chen Liang on the stage with neither humility nor arrogantness, and asked with a loud voice: "Senior Chen Liang, what I want to ask is, why are rich people ruthless?"

Chen Liang raised his eyebrows.

The question from the last male classmate was very realistic and conformed to the most real thoughts in the hearts of most people, and the girl’s question was a bit tricky and sharp.

Everyone was staring at Chen Liang with all their attention.

As a member of the "rich people", such questions are actually hard to answer from Chen Liang's perspective.

Chen Liang was silent for a moment, not knowing whether he was in a dilemma or to raise words. Just when the host girl wanted to save the scene again, he spoke up lukewarmly.

"Although the saying that wealth is not kind and rich people are ruthless is somewhat absolute, it also conforms to most reality."

Before he finished speaking, the audience was in an uproar.

The butt determines the head.

Everyone thought that Chen Liang, who was a rich class, would definitely dress up for the rich and uphold the unfairness, but he never expected that he seemed to agree with this view.

Even the very opinionated female student couldn't help but be stunned.

Then, she clasped the microphone tightly and was aggressive.

"So, Senior Chen Liang, do you think you are a cold-blooded and ruthless person now?"

Many students looked at each other, thinking that this girl was too brave.

This is no longer a question, but almost a question or even a provocation.

Chen Liang did not change his face, looked at the female student and smiled gently.

"It depends on how you understand the meaning of 'cold-blooded and ruthless'. The mall is like a battlefield. If you want to start a career in the mall, it is actually the same as the college entrance examination. If you win, it means that those losers fail. This is the inevitable result of competition. You can sit here because you have defeated countless people. Will you sympathize with those who are not as good as you in the exam?"

Chen Liang paused.

"I'm going too far, now I'm back to the point. Since I'm standing on this podium, I must be responsible for you. Society is not an ivory tower, and I won't tell fairy tales about truth, goodness and beauty. Focusing on feelings is never a quality that capitalists have, and even focusing on feelings is a quality that is eliminated by capital."

Jiang Xin's face changed slightly, feeling that although these remarks were realistic, they were still a bit out of style in front of these students. However, the school leaders next to her had no intention of being unhappy, but instead listened with relish.

Chen Liang continued: "The essence of capital is profit-seeking. Students who study economics should have heard of Marx's words. When the profit reaches 10%, they will be ready to move. When the profit reaches 50%, they will take risks. When the profit reaches 100%, they dare to trample on all laws in the world. When the profit reaches 300%, they dare to risk hanging. Capital is not a specific existence. It must be boarded to survive, and the capitalist can be selected to become the host.

I have dealt with many rich generations who hold wealth and second-generation rich people of extraordinary origins. I found that there are many kind people among them. They are elegant and kind, and they make money. Perhaps many people will think that they will be kind when they are rich. Later, after some things, I realized that this is not an illusion, but it is not the truth.

Successful rich generations often teach their children and nephews to treat others sincerely and be trustworthy. Excellent rich second generations will obey their teachings, treat others sincerely, and keep their promises. But remember that these are just means, not goals. Their modesty is the rules that need to be followed after reaching a certain level. They are etiquette for dealing with people and things. Rules and etiquette can be overturned in the face of great enough interests.
Chapter completed!