What does it mean to be short of money all your life?

Economists in the United States have done such a social survey, and almost all of them answered a number far greater than the amount of deposits they accumulated in reality. If people really want to accumulate their own estimates, most people have to work until they are at least twenty years old. Obviously, this is impossible. Moreover, according to the results of the follow-up survey, the actual money spent by these people in their lifetime only accounts for one tenth of their estimated figure, that is to say, a person who thinks he needs to live all his life actually only spends 10 thousand. Some economists suggest to young people that as long as they maintain healthy consumption habits and good credit records, people only need to start saving money before retirement 10, which is enough to live a happy old age. When we want to know how much money we need in our life, we can really consider spending money. "Flower" or "save" is a question. If you start saving money at a young age, you won't earn much at that time, so in order to save money, you may only choose the cheapest combination at lunch. You may reduce your meeting with friends by avoiding going out to spend money; Maybe others will bear the pressure of life prematurely when they are enjoying their youth. What's the point of saving money if you die before you spend it? But on the other hand, if you want to have a wedding or suddenly get sick, and your account doesn't even have yuan, will you feel depressed and desperate at that time? Money is closely related to our psychological security. The question of "flower" or "save" depends on which way you need to get a sense of security. Because money means having more resources, money can be exchanged for food, clothing, housing and art, which can meet the needs from physical to spiritual levels. When our needs are fully met, we will feel at ease, feel that we are active and can control the world around us, and the sense of control brings us a sense of security. Psychologists have made investigations and comparisons, and it is true that children who are economically rich from childhood feel more secure than children from poor families. Because they never lost their sense of security. Because of the sense of security, people's attitudes towards money can be divided into two categories: one is to experience the sense of security of obtaining resources and enjoying happiness in the process of "consumption", which is more common in people with rich families in childhood; The other is to gain a sense of security in the process of "saving". Children from poor families or even starving in childhood usually choose this way. The psychological misunderstanding of spending money On the issue of spending money, people with mental health are often much more rational than those with psychological problems. In other words, it is not the economic concept that determines how we spend money, but the psychological misunderstanding that leads us to "not spend money". "Moonlight clan" is a "misunderstanding of spending money" that young people can easily walk into. They usually can't distinguish unnecessary consumer goods from daily necessities, and think that brand-name clothes are the same as rice oil, so "moonlight" is very helpless. The reason for this "confusion" psychological misunderstanding is firstly the limitation of age and experience, and secondly the problem of self-formation. They need more consumer goods with special functions, such as alternative clothes, to help them integrate into society without being buried. It takes some time for such young people to realize that self depends on the stability of personality, not consumer goods. When they realize this, they will naturally bid farewell to the status of "moonlight clan". Shopaholic is also a typical "psychological misunderstanding" which leads to "spending money misunderstanding". For example, women with problems in interpersonal communication and family relations are more likely to become "shopaholics" because women's emotional needs are very strong. When they can't establish more meaningful emotional communication with others, they will feel empty and meaningless. If they lack other hobbies, they can only communicate with materials. In fact, what they need is emotional care, not material care. "Miser" is a kind of "misunderstanding" that often happens to men. Saving money means a lot to them. They want to save money for tomorrow and hidden dangers. Because of their uncontrollable future, they have a strong anxiety, which needs to be gradually calmed down by "accumulating money". This is caused by psychological "excessive sense of responsibility". Some men, especially those who have taken on many family responsibilities since childhood, will have such psychological problems. They realized prematurely that they need "economic accumulation" to "take good responsibility", and only when they can "accumulate" will they be needed by others. So they often deduct their right to enjoy happiness to meet the requirements of "responsibility". In fact, moderate accumulation can already complete the responsibility. If the miser can feel that people around him care about him out of love rather than his responsibility, this state of "keeping money" will be much better. Psychologists have also found that sudden changes often bring psychological trauma to people, which will greatly affect a person's consumption health. For example, some women become "shopaholics" after the death of their loved ones. In other words, solving psychological problems will make up much less money. There must be psychological misunderstanding behind unhealthy consumption behavior. You can save your money if you find them. What is the purpose of spending money? In order to avoid the "misunderstanding of spending money", we need to understand our psychological problems and our intention to spend money. When you buy one, it seems that you have an advanced technology product, but in fact, you buy a smoother interpersonal relationship. Marriage, on the surface, has fixed assets. In fact, yours is a "warm home". In other words, we spend money on a product, not to get this item, but to get the psychological satisfaction it brings. The psychological explanation of shopping is that shopping is the desire for love. People have been looking for love, and shopping is the easiest and controllable way to find love. The formula of "buy → get" makes us feel that love can be fought for actively. In fact, everything we have is a substitute for love. Children's toys get partners, young people's digital products get individuality, women's clothes get superiority, men's stocks get a sense of accomplishment, the needs of middle-aged families, the health of the elderly ... We all take money out of our pockets in order to get a psychological necessity to replace love. This demand is exactly what we pay. Whether it is rational consumption or perceptual consumption, what you spend money on is your psychological needs. Obviously, if you want to know more about yourself, look at what you have learned. To use money healthily, we must first face our own psychological problems. If it can't be solved psychologically, it will often be made up by money, so the best premise of "healthy use of money" is to maintain mental health. Secondly, you need to find the direction of spending money according to your psychological needs. For example: if you need a happy family, you have to spend money on your family and living environment; If you need a successful career, you should spend money on improving your ability and investing in your own career. There was an old man who spent all his savings except the necessities of life and bought a bunch of flower seeds. When they bloom into a sea of flowers, she feels happy in blending with nature. Others spend a lot of money on books in order to run a private library. Although the money was gone, he realized his dream. Therefore, only you know which "spending method" suits you best. Then, when you figure out your "spending direction", you can clearly distinguish between what is your necessity and what is unnecessary luxury. Spend most of the money only on necessities, so it will be more reasonable and easy to save. You can also set up some "pre-consumption questions" to manage every money you spend. Please list three questions according to your psychological needs to help you consider the real meaning when spending money. You can extract the "pre-consumption questions" from your card and stuff them into your wallet. When you want to spend money, please take a look and answer these questions in your mind.