As you enter middle age, what’s the most frightening thing? Of course, it’s poverty.
Most people start working and earning money in their twenties, and through hard work, they have their own homes, cars, families, and some savings, which can cover their daily expenses and provide for their retirement.
At least, you should have these things before middle age, because after this stage, our bodies start to decline, and we can’t work as hard as before. We can’t earn more money, so we can only manage our savings wisely.
So, in middle age, you can’t earn more money, and you can only allocate your savings reasonably. Apart from daily expenses, you should plan for other expenditures, and you can’t waste your money on these two things, or you’ll only get poorer.
As Bacon said, “Money is a good servant, but it can also become a bad master in certain situations.”
We often say that money isn’t everything, but without it, you’re in big trouble. Even if you have money, you can’t spend it recklessly on unnecessary things and people, like fair-weather friends.
There are friends who are genuine, and there are those who are only friends because of your money. When you have money, they’ll stick around, but when you’re broke, they’ll leave you without hesitation.
Naturally, everyone hopes to have genuine friends, but some people don’t pay attention to this and think that as long as they have money, they can spend it on friends without worrying.
However, you should know that your money is gone forever when you spend it on fair-weather friends, and your efforts are meaningless.
As Mark Twain said, “If you know how to use it, money is a good servant, but if you don’t, it becomes your master.”
In middle age, although you’ve accumulated a lot of experience and savings, you should understand that you must consume reasonably. You should be the master of your money, not the other way around.
Life is hard, and living is even harder.
As you live, you not only need to consider the present but also plan for your future. After middle age, if you don’t want your life to become poorer, don’t waste your money on unnecessary external things.
It’s not your wallet that decides what clothes you wear, but your body shape.
A person’s beauty comes from within, not from external things. No matter how well you dress or live, it doesn’t mean you’re happy. On the contrary, if your spiritual world is rich, you can live a happy and peaceful life, regardless of how you dress or live.
In middle age, you should spend your money on truly valuable and necessary things, and you can’t compare yourself to others or waste your money on unnecessary things to make others think you’re happy.
As Franklin said, “Money doesn’t belong to the person who owns it, but to the person who uses it.”
Smart people spend their money on themselves and on valuable things, making themselves happy and content. Foolish people, on the other hand, waste their money on unnecessary things and get nothing in return.
Middle age is a turning point, and after this stage, we should become more mature and stable. We should understand these principles. Life is for ourselves, not for others.
Saving is like building a dam, and wasting is like a broken dam.
In middle age, you should change your mindset and stop comparing yourself to others. Plan your life, think about your future, and want a rich life in the future, and you must have a planned consumption.
As Balzac said, “For the wasteful, money is round, but for the frugal, money is flat and can be piled up.”
In middle age, for yourself and your family, don’t waste your money on these two things, or you’ll only get poorer. When that day comes, regret will be useless.