With 200,000 yuan in hand, should one choose to become a "mortgage slave" or a "entrepreneurial wolf"?!
As the saying goes: "No matter how luxurious a golden nest or silver nest may be, none can compare with one's humble doghouse!" I believe most people aspire to have a home of their own. The house doesn't need to be too big as long as it is sufficient for living, and the decoration doesn't have to be extravagant—moderate quality would suffice! Especially for us post-80s generation, we face pressure from potential mother-in-laws who might say, "Without a house, don't even think about marrying our precious daughter!" As a result, many friends have successively become "mortgage slaves." Meanwhile, there is also a popular saying in society: "It's better to be an entrepreneurial wolf than a working dog." Of course, this statement is rather radical, and personally, I do not entirely agree with it because being employed is also a form of entrepreneurship. Who dares to say that our "Emperor of Employment," Mr. Tang Jun, isn't striving and fighting for his own career?!
200,000 yuan, a moderate sum, is an amount that many friends can accumulate through several years of effort, possibly with some financial assistance from their families. In the face of the ever-rising housing prices and the potential risks of "inflation," coupled with family urging, "Get married, have grandchildren!" I imagine many friends cannot help but plunge all 200,000 yuan into buying a house, then work hard every month to support the mortgage while practicing frugality to maintain the household.
In fact, according to my understanding, many friends harbor entrepreneurial aspirations. For instance, they could specialize in technical positions and become the technical backbone of their organizations, or excel in marketing and become the market manager of their companies, or even go solo and establish their own companies and brands, among other possibilities. But let me ask: when a person is crushed under the weight of life's pressures, how much energy and time do they have left to strive for these goals?
On the contrary, if we don't buy a house with the 200,000 yuan but instead use it as start-up capital for entrepreneurship, for those who prefer not to go solo, they could use the 200,000 yuan to open a store, hire staff to run it, and the annual income from this venture will likely exceed the income derived from property appreciation. For those who wish to strike out on their own, the 200,000 yuan could at least serve as start-up capital to launch a small business!
Houses should not become stumbling blocks to starting a career! Those familiar with economics know that the faster capital turns over, the better. However, houses fall under fixed assets!
Everyone is welcome to join the discussion...