未來幾年中產返貧真相揭秘:全球貿易萎縮、房市崩盤危機

edward

未來幾年中產返貧真相揭秘！


全球貿易萎縮、房市崩盤、服務業危機，如何破局？


https://www.youtube.com/watch?v=zw0e58OHAvo


Date: 2025/04/17

edward

1# edward

[size=1.2]Imagine the past 40 years
[size=1.2]The economy is like a speeding train
[size=1.2]Ordinary people just jump on it
[size=1.2]You will be taken to the next stop of wealth
[size=1.2]House, car, money, life is getting better and better
[size=1.2]Many people become middle class without knowing it.
[size=1.2]But have you ever stopped to think about
[size=1.2]Where does this money come from?
[size=1.2]What's even more terrifying is when the train slows down or even derails
[size=1.2]What else can you hold on to?
[size=1.2]This video
[size=1.2]We want to uncover the truth about the middle class
[size=1.2]A person who is lifted to the top by the times
[size=1.2]A group that may also be smashed to pieces
[size=1.2]A lot of information and full of useful information
[size=1.2]Watch it slowly and you will definitely be enlightened
[size=1.2]Let me first tell you a heartbreaking fact: the wealth of the middle class
[size=1.2]Most of it is not earned by your hard work or intelligence.
[size=1.2]It's the bonus given to you by the times
[size=1.2]Over the past few decades
[size=1.2]Three waves of great opportunities created the glory of the middle class
[size=1.2]Since the early 2000s
[size=1.2]Global trade is like opening Pandora's box
[size=1.2]Opportunities are pouring out
[size=1.2]Relying on a large population and low labor costs
[size=1.2]Manufacturing has become a money printing machine
[size=1.2]The factory assembly line roars 24 hours a day
[size=1.2]Production of clothing, electronic products, toys
[size=1.2]These goods
[size=1.2]Crossing the ocean and getting real money
[size=1.2]The factory owner made a lot of money
[size=1.2]Ordinary workers can also get a good salary
[size=1.2]Many people rely on this wave of dividends
[size=1.2]Saved the first pot of gold
[size=1.2]For example, foundries in coastal areas
[size=1.2]Employs thousands of people, an ordinary worker
[size=1.2]If you work hard for a few years, you can save money to build a house back home.
[size=1.2]This wave of manufacturing
[size=1.2]Not only does it feed countless families
[size=1.2]It also boosted numerous upstream and downstream industries
[size=1.2]Logistics, packaging, raw materials
[size=1.2]Which one doesn’t make money?
[size=1.2]But don’t forget the nature of this wave of dividends
[size=1.2]It is the dividend of globalization
[size=1.2]Developed countries need cheap goods
[size=1.2]Developing countries offer cheap labor
[size=1.2]The two sides hit it off
[size=1.2]But this good day
[size=1.2]It's never pie in the sky.
[size=1.2]It is conditional
[size=1.2]Let's talk about real estate
[size=1.2]Since the late 1990s
[size=1.2]Urbanization is like pressing the fast-forward button
[size=1.2]Rural people flock to cities, and urban people are busy buying bigger houses
[size=1.2]The house has become a magic wand of wealth
[size=1.2]Developers are making a lot of money
[size=1.2]House speculators become rich overnight and even ordinary people can afford to buy houses
[size=1.2]You can see the house prices rising
[size=1.2]For example
[size=1.2]In 2000, a house in the city center might only cost a few hundred thousand yuan.
[size=1.2]By 2015, it had more than doubled.
[size=1.2]A house is not only a place to live but also an asset
[size=1.2]It is the entry ticket for the middle class
[size=1.2]Many people rely on buying houses in their early years
[size=1.2]Assets have doubled
[size=1.2]Transformed into the middle class
[size=1.2]The magic of real estate
[size=1.2]It is not only a wealth amplifier
[size=1.2]It has also driven countless industries
[size=1.2]Building a house requires cement and steel bars
[size=1.2]Renovation requires home appliances and furniture
[size=1.2]Banks lend money
[size=1.2]Which link in the insurance company's product sales process does not make money?
[size=1.2]Not to mention local government
[size=1.2]The income from land sales poured in like water.
[size=1.2]Supporting all aspects of urban construction
[size=1.2]This wave of dividends created countless middle-class families
[size=1.2]It also makes buying a house a national belief
[size=1.2]Don't think that only factories and houses make money
[size=1.2]The service industry is also making a lot of money
[size=1.2]The service industry is a big basket
[size=1.2]It contains countless opportunities to make a fortune
[size=1.2]For example, banks rely on mortgage business
[size=1.2]Profits hit new highs every year
[size=1.2]Electricity, tobacco, and alcohol companies
[size=1.2]Relying on the consumption of those who got rich first
[size=1.2]Make a fortune
[size=1.2]There are also government departments, hospitals, and schools within the system.
[size=1.2]The salary is as stable as an iron rice bowl
[size=1.2]The benefits are so good that it makes people jealous
[size=1.2]These jobs look glamorous.
[size=1.2]In fact, the essence is to divide the cake
[size=1.2]Where does the cake come from?
[size=1.2]Or is it the wealth created by manufacturing and real estate?
[size=1.2]In addition to these, there is also a service industry
[size=1.2]Closer to ordinary people
[size=1.2]For example, the Internet, catering, medical beauty, education and training
[size=1.2]Although the competition is fierce, it also creates many myths
[size=1.2]Think about the early Internet companies.
[size=1.2]Which one is not glorious?
[size=1.2]A programmer enters a big factory
[size=1.2]Annual salary starts from hundreds of thousands
[size=1.2]Cashing out your options will lead to immediate financial freedom
[size=1.2]The catering industry also opens a chain store
[size=1.2]Choose the right track and you can drive a luxury car in a few years
[size=1.2]Not to mention medical beauty and education and training
[size=1.2]Capturing the anxiety and consumption desire of the middle class
[size=1.2]Money is coming
[size=1.2]Ordinary people just need to take advantage of these industries
[size=1.2]Even if it's just a small role
[size=1.2]Can also get a share of the pie
[size=1.2]To sum up, the wealth formula of the middle class is:
[size=1.2]Manufacturing + Real Estate + Dependent Service Industries
[size=1.2]What are the specific manifestations?
[size=1.2]Either you are in a good company with a high salary
[size=1.2]For example, programmers in the system and large companies
[size=1.2]Or hold a few houses and double your assets
[size=1.2]Or both
[size=1.2]Income rises, assets rise
[size=1.2]Wealth expands like a balloon
[size=1.2]Many people became middle class without knowing it.
[size=1.2]But is this balloon really strong?
[size=1.2]The good times are over
[size=1.2]If time could be frozen 20 years ago
[size=1.2]How beautiful would life be?
[size=1.2]Unfortunately, reality is like a cold-faced killer
[size=1.2]Pick on sweet dreams
[size=1.2]The changes of the past few years have been like a heavy punch
[size=1.2]Shattered the fantasy of the middle class
[size=1.2]1
[size=1.2]Global demand shrinks and jobs are unstable
[size=1.2]In the past, the manufacturing industry made a lot of money from exports.
[size=1.2]The factory has too many orders to fulfill
[size=1.2]Workers work overtime until late at night, boss counts money until his hands are tired
[size=1.2]But now the wind has changed.
[size=1.2]European and American countries begin to reduce demand for cheap goods
[size=1.2]The reasons are complicated and there are geopolitical games
[size=1.2]Developed countries want to move the industrial chain back to their home countries
[size=1.2]There are economic considerations and high inflation
[size=1.2]Consumers tighten their wallets
[size=1.2]There are also technological advances
[size=1.2]Automation makes labor costs no longer a core competitive advantage
[size=1.2]What's the result?
[size=1.2]With fewer orders, factories closed and workers lost their jobs
[size=1.2]Small and medium-sized enterprises are having a harder time trying to grab orders
[size=1.2]The price war was bloody
[size=1.2]For example
[size=1.2]In the past, a T-shirt sold for $10 and still made a profit.
[size=1.2]Now it's down to $5 and I'm still losing money
[size=1.2]at the same time
[size=1.2]Imported raw materials and agricultural products are due to global inflation
[size=1.2]Soaring prices
[size=1.2]For example, soybean and oil prices doubled
[size=1.2]Costs snowball
[size=1.2]Simply put, the products produced are becoming cheaper and cheaper.
[size=1.2]But shopping is getting more expensive
[size=1.2]Income shrinks, expenses soar
[size=1.2]How can ordinary people not panic?
[size=1.2]2
[size=1.2]Real estate crash
[size=1.2]Real estate used to be the lifeblood of the middle class, but now
[size=1.2]The property market is completely cold
[size=1.2]Why?
[size=1.2]Two reasons
[size=1.2]The demographic dividend is disappearing and there are fewer and fewer young people
[size=1.2]Birth rate plummets
[size=1.2]In the past, the city had an influx of new citizens every year.
[size=1.2]Strong demand for housing
[size=1.2]Now that the population is declining, who should we sell the houses to?
[size=1.2]For example, many second- and third-tier cities
[size=1.2]The vacancy rate of real estate is as high as 30%
[size=1.2]Ghost town is not a joke, it is a reality
[size=1.2]Purchasing power shrinks and income decreases
[size=1.2]Many people can't even pay their mortgages.
[size=1.2]Where is the money to buy a house?
[size=1.2]In the past, I earned 10,000 yuan a month and dared to borrow 1 million yuan
[size=1.2]Now banks are afraid to approve loans for people with a monthly income of 5,000
[size=1.2]Without a buyer, the housing price will not hold up.
[size=1.2]The myth that buying a house can make money has been shattered
[size=1.2]Many people find that the value of their houses is not only not rising, but also
[size=1.2]It may also become a negative asset
[size=1.2]For example, a house in the suburbs
[size=1.2]2 million when purchased in 2018
[size=1.2]Now it's listed at 1.5 million and no one asks
[size=1.2]Both income and assets have shrunk
[size=1.2]The wealth of the middle class is like a deflated balloon
[size=1.2]It's so depressing that it makes people panic
[size=1.2]3
[size=1.2]The service industry suffered
[size=1.2]Manufacturing and real estate collapsed
[size=1.2]The service industry is also cooling down
[size=1.2]The bank cannot collect the mortgage loan it has issued.
[size=1.2]Bad debts pile up
[size=1.2]In the past, units within the system used to pay bonuses based on income from land sales.
[size=1.2]The land is not for sale now.
[size=1.2]Financial constraints and welfare cuts
[size=1.2]Internet, catering, education and training industries
[size=1.2]There is even more grief
[size=1.2]Before we explore further
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[size=1.2]Layoffs in big companies have become a daily occurrence
[size=1.2]Programmers go from earning millions a year to working 996 hours a week to make ends meet
[size=1.2]Restaurant closures continue
[size=1.2]Education and training are put on hold by policy
[size=1.2]For example, a training institution
[size=1.2]You can easily earn a million dollars a year by teaching English classes
[size=1.2]Now the policy has changed
[size=1.2]The institution closed down and the teacher switched to delivering food
[size=1.2]The middle class in the service industry used to rely on high salaries and bonuses
[size=1.2]Life is comfortable
[size=1.2]Salary cuts and unemployment have become commonplace now
[size=1.2]Even the word stability has become a luxury
[size=1.2]Economic downturn is the general environment, but there are some choices
[size=1.2]It's a pit that the middle class dug for themselves.
[size=1.2]The following three things can be called the three-piece set for the middle class to return to poverty
[size=1.2]Look at how many mines you stepped on.
[size=1.2]1
[size=1.2]Full-time household income is zero
[size=1.2]Full-time housewife/husband or full-time babysitter
[size=1.2]Sounding warm may be the Waterloo of wealth
[size=1.2]There are two situations
[size=1.2]Some people are forced to work full-time and are laid off in middle age
[size=1.2]Became a workplace consumable
[size=1.2]Finding a job at a certain age is a hurdle
[size=1.2]Some young people just graduated and the market is as cold as an ice cellar
[size=1.2]No chance at all, just stay at home
[size=1.2]The family lost an income
[size=1.2]Life immediately became difficult
[size=1.2]For example, a family with two working parents earning 20,000 yuan a month
[size=1.2]Now there is only one person making money
[size=1.2]Monthly income 10,000
[size=1.2]The mortgage and children's expenses are overwhelming
[size=1.2]what to do?
[size=1.2]Try every possible way to increase income
[size=1.2]Even if you set up a stall, work part-time, or open an online store
[size=1.2]It's better than living off the land.
[size=1.2]Active full-time
[size=1.2]Some people take care of their families or children.
[size=1.2]Resign voluntarily
[size=1.2]That's fine, but be careful.
[size=1.2]Working full-time doesn't mean saving money
[size=1.2]Many people have found themselves spending more time at home.
[size=1.2]Spend more money on shopping, online shopping, and enrolling children in interest classes
[size=1.2]Consumption is like running water
[size=1.2]For example, I used to be busy at work and had no time to spend money.
[size=1.2]Now when I have free time, I can spend thousands of dollars on online shopping every month
[size=1.2]The solution?
[size=1.2]Learn to cut unnecessary expenses
[size=1.2]For example, babysitting fees, training fees
[size=1.2]Do what you can do yourself
[size=1.2]If you have more time, you can also learn some skills
[size=1.2]For example, start your own media, get a certificate, and pave the way for the future
[size=1.2]2
[size=1.2]Leveraged home purchases crush cash flow
[size=1.2]In the past, buying a house was a necessity.
[size=1.2]If you don't buy, you'll be left behind. The rising house prices are exciting.
[size=1.2]Now what?
[size=1.2]Those who take over at high prices are like walking a tightrope.
[size=1.2]Housing loans are like a mountain that makes people breathless
[size=1.2]Especially those who have added leverage (borrowed money to buy a house)
[size=1.2]Once income drops
[size=1.2]The risk of supply interruption is approaching every minute
[size=1.2]For example, in 2019, a young couple earns 30,000 yuan a month
[size=1.2]I bought a house worth 5 million yuan with a loan
[size=1.2]I can still afford the monthly payment of 15,000 yuan if I grit my teeth
[size=1.2]Now my husband was laid off and his monthly income is only 10,000
[size=1.2]Mortgage, car loan, living expenses, which one doesn’t cost money?
[size=1.2]The house can't be sold, so I have to endure it
[size=1.2]My suggestion is that if you haven't bought a house yet, don't rush.
[size=1.2]It is not shameful to rent a house within your means
[size=1.2]Those who have already bought houses at high prices grit their teeth and persevere
[size=1.2]Get through these years
[size=1.2]Maybe the policy will be relaxed and the economy will pick up
[size=1.2]The most important thing is not to hold on for the sake of face
[size=1.2]Learn to accept that you can survive by eating less
[size=1.2]Selling a house is really not possible
[size=1.2]The most important thing is to exchange cash flow to survive
[size=1.2]3
[size=1.2]The money spent on education has little effect
[size=1.2]The area where the middle class is most willing to spend money is probably education
[size=1.2]International schools, math Olympiad classes, piano lessons, art classes
[size=1.2]Money is spent like water
[size=1.2]The annual education cost for a child starts at 100,000 yuan
[size=1.2]But what is the reality?
[size=1.2]The returns to education are declining
[size=1.2]In the past, exams were the path for carp to leap over the dragon gate.
[size=1.2]If you get into a good university, you can get into a good company.
[size=1.2]A stable job
[size=1.2]That's because society is expanding and wealth is growing.
[size=1.2]There is a pie to be shared within the system
[size=1.2]For example, in the 1990s
[size=1.2]An ordinary university graduate
[size=1.2]You can enter the bank and get salary and benefits that beat your peers
[size=1.2]But now the wealth has shrunk
[size=1.2]The cost-effectiveness of the system has plummeted due to the tight financial situation
[size=1.2]Not to mention ordinary universities, even if you graduate from a top university
[size=1.2]If you want to get into a good company, you have to work hard.
[size=1.2]211 is enough in the past
[size=1.2]Now I don't look at non-top schools
[size=1.2]The threshold is ridiculously high
[size=1.2]Not to mention international schools
[size=1.2]Spend millions to send children abroad
[size=1.2]Tuition and living expenses are like a bottomless pit
[size=1.2]What's the result?
[size=1.2]The child still wants to find a stable job after returning
[size=1.2]The problem is that the system values ​​obedience the most.
[size=1.2]International education cultivates individuality and freedom.
[size=1.2]It's like letting a sea fish live in fresh water
[size=1.2]The child can't adapt
[size=1.2]Parents' money is wasted
[size=1.2]Take for example a family
[size=1.2]Spent 2 million to send my child to an international school
[size=1.2]Studying abroad results in children returning home
[size=1.2]Can't get into the system
[size=1.2]I don't want to work 996, so I can only be a freelancer
[size=1.2]The income is not as good as the starting point of my parents.
[size=1.2]The biggest misunderstanding in education is to think that you can win by just taking the test
[size=1.2]The current volume investment and return are completely disproportionate
[size=1.2]Spending hundreds of thousands of dollars on piano lessons may not necessarily make a child a successful one
[size=1.2]You may also be tired of studying
[size=1.2]Spend millions on international schools
[size=1.2]Children may not adapt to the rules of the system
[size=1.2]Instead of spending money on anxiety
[size=1.2]It's better to let the children learn some real skills
[size=1.2]For example, physical exercise is capital
[size=1.2]A healthy child means less medical expenses in the future
[size=1.2]Another example is communication skills in the workplace
[size=1.2]EQ is more valuable than IQ
[size=1.2]There is also financial intelligence to teach children how to manage money
[size=1.2]More important than giving him money
[size=1.2]These are much more useful than Olympiad mathematics and piano.
[size=1.2]After saying so much, you may be a little panicked
[size=1.2]Even a little sad
[size=1.2]Don't worry, there is no way
[size=1.2]Just need a change of mindset
[size=1.2]The following points may be the key to the middle class's turnaround
[size=1.2]1
[size=1.2]Recognize the truth and break the path dependence
[size=1.2]The wealth of the middle class is essentially a bonus given by the times
[size=1.2]Now the bonus is gone
[size=1.2]Rely on the old ways to get education, buy a house for investment, and find a stable job
[size=1.2]It doesn't work anymore
[size=1.2]Stop dreaming about stable jobs or skyrocketing housing prices
[size=1.2]Accept the reality
[size=1.2]To find a new direction
[size=1.2]Let me give you an example.
[size=1.2]Everyone thinks that working in the system is a golden rice bowl
[size=1.2]Finances are tight now
[size=1.2]The system is also cutting salaries and laying off employees
[size=1.2]The price/performance ratio is not as good as before
[size=1.2]Instead of sticking to the old ways, look up and see new opportunities
[size=1.2]2
[size=1.2]Improve the ability to call resources
[size=1.2]What is class?
[size=1.2]It's not how much money you have.
[size=1.2]How many resources can you mobilize?
[size=1.2]The real upper class
[size=1.2]Relying on being liked and influencing others
[size=1.2]They have many friends and benefactors who can take advantage of them.
[size=1.2]For example, an entrepreneur has no money and no background
[size=1.2]But because I can speak and do things
[size=1.2]Attract a lot of investment and finally make it a big business
[size=1.2]And what about the middle class?
[size=1.2]Often trapped by involution and obedience
[size=1.2]Used to being a tool
[size=1.2]Forgot how to actively connect to resources
[size=1.2]How to break it?
[size=1.2]Learn to manage relationships from now on
[size=1.2]Make more friends and help others solve problems
[size=1.2]Even a little effort can help you build connections
[size=1.2]Give an example to help a colleague revise his resume
[size=1.2]Maybe he will introduce clients to you in the future.
[size=1.2]Invite a friend to dinner and he may show you the way
[size=1.2]It's been a long time
[size=1.2]These relationships will become your leverage
[size=1.2]Help you open up new opportunities
[size=1.2]Don’t underestimate the critical moment of networking
[size=1.2]It might save your life
[size=1.2]3
[size=1.2]Invest in yourself to change the underlying logic
[size=1.2]The basic characteristics of the middle class are obedience and involution.
[size=1.2]But the underlying tone of the upper layer is initiative and creativity
[size=1.2]If you want to move forward, you have to change your mindset
[size=1.2]Stop waiting for your boss to give you opportunities and take the initiative to find them
[size=1.2]for example
[size=1.2]Learn a new skill: programming, short video editing, cross-border e-commerce
[size=1.2]There are many free tutorials online now.
[size=1.2]Also, don’t be afraid of failure when starting a business. Start small.
[size=1.2]For example, setting up a street stall to sell snacks to gain experience
[size=1.2]4
[size=1.2]Lower your expectations and live in the present
[size=1.2]Economic downturn
[size=1.2]Maintaining cash flow is more important than anything else
[size=1.2]Stop pursuing middle-class prestige and cut down on ineffective consumption
[size=1.2]For example, the price of luxury goods cannot increase after you buy them.
[size=1.2]The piano lessons my child learned in a training class may not be useful to him
[size=1.2]And there are meaningless social events and drinks that cost thousands of dollars
[size=1.2]Better save it for emergency
[size=1.2]Learn to live a simple life and have fewer desires
[size=1.2]More sense of security
[size=1.2]5
[size=1.2]Learn to think in reverse: crises are also opportunities
[size=1.2]Everyone is complaining about the economic downturn
[size=1.2]But in crisis lies opportunity
[size=1.2]You dare to take a step when others dare not do it
[size=1.2]Maybe it's a breakthrough
[size=1.2]for example
[size=1.2]Invest in emerging industries such as green energy and artificial intelligence
[size=1.2]Now the threshold is not so high
[size=1.2]Another example is seizing the business opportunities of consumption downgrade
[size=1.2]There is always a market for affordable products. Open an affordable snack bar
[size=1.2]Probably more profitable than a high-end restaurant
[size=1.2]The key is to dare to think and act, and not be kidnapped by fear
[size=1.2]6
[size=1.2]Redefine success and live your life to the fullest
[size=1.2]Anxiety of the middle class
[size=1.2]From the obsession with success
[size=1.2]Good job, multiple apartments, and prestigious schools for children
[size=1.2]But are these really what you want?
[size=1.2]Maybe
[size=1.2]Healthy body, harmonious family, free time
[size=1.2]The real wealth
[size=1.2]Rethinking life goals
[size=1.2]Don't be led by social standards
[size=1.2]The middle class is like duckweed on the water
[size=1.2]What the times give you, the times can also take away
[size=1.2]past
[size=1.2]Global trade, real estate, services
[size=1.2]Created the glory of the middle class
[size=1.2]Now
[size=1.2]Shrinking demand, property market collapse, economic downturn
[size=1.2]The wealth of the middle class is like the sand in an hourglass
[size=1.2]Flowing away quietly
[size=1.2]A double whammy of income and assets
[size=1.2]Caught many people off guard
[size=1.2]Full-time families, leveraged home purchases, and education involution
[size=1.2]These options
[size=1.2]It may accelerate the return to poverty.
[size=1.2]But this is not the end
[size=1.2]Recognize the truth and actively seek change
[size=1.2]You still have a chance to turn things around
[size=1.2]Stop being a tool and learn how to use resources
[size=1.2]Invest in yourself and change your mindset
[size=1.2]Times have changed, and the way of life must also change
[size=1.2]Lower your expectations and live in the present
[size=1.2]Reverse thinking to seize opportunities
[size=1.2]Redefine success and regain inner peace
[size=1.2]The most important thing is to live at your own pace
[size=1.2]Don't be kidnapped by anxiety
[size=1.2]What do you think?
[size=1.2]What do you think about the future of the middle class?
[size=1.2]Welcome to leave a message and chat together!
[size=1.2]Maybe your experience can light the way for others.
[size=1.2]Follow me I am the way to wealth, unlock more truths about money