Imagine a company executive with an annual income of $160,000, a standard American middle class with a house, a car, a wife and two children, suddenly encountered company layoffs, and received the company's 3 months salary + 6 months of reemployment training severance Compensation, becoming an unemployed person in an economic downturn is like a dandelion blown down to most people, suddenly realizing that they are floating in a hurricane.
This is a situation that most middle-class Americans will encounter when they face unemployment. Mortgage, car loans, insurance, credit card bills, children's education expenditures, everything originally tied to this man, all become rootless because of his unemployment. Duckweed. This is the general consequences of every U.S. economic crisis, 1920, 1929, 1948, 1954, 1957, 1960, 1969, 1973, 1987, 2000, 2007, including the drastic downturn caused by the new crown pneumonia this time, as the backbone of the U.S. economy In the middle class, I don’t know how many people will be affected by suspension of pay and layoffs.
"Partner" is not a fictional story, but a reality that happened alive in the present. It is like the movie "Infectious Diseases", it seems to be a sensational story derived from the illusion of events that happened in the past. But it may make a comeback in a more realistic way than fantasy, switching from the plot of the movie to the news channel.
What kind of mentality does a man feel when facing such a crisis? For him, this may not have waited until the arrival of the "middle-age crisis" is a blow to the head. He is definitely not willing to be defeated by this blow. After all, he has been mixed from college to the middle class and entered the middle class, his dedication and his character He is also not allowed to easily fail, but the reality gives him the confidence that he may not be as good as the previous self who just came out of society and has nothing. Now he only has 3-6 months. Especially when there is no savings and no additional income, all the fixed expenditures that go with the flow will become a huge burden when the fixed income is about to cease, as if he has worked hard to build The beautiful life that comes out is like a castle in the sky built in illusion, everything will collapse when you wake up from a dream.
Walker, the male protagonist in the film, is not reconciled. He has a beautiful house, a beautiful wife, two cute children, and a cool Porsche sports car. He can go to the golf club and talk to the old man before going to work. We swung a few shots and then returned to the company to show off his achievements. He always spoke with confidence and humor, and his face was filled with two words: success. But the label will soon be torn from him at an unexpected speed.
When his wife knew that he was unemployed, she felt that everything in life might change accordingly. They hurriedly reduced all unnecessary expenses in life, stopped eating out, and all ate at home; after three months of paying back He didn’t find a satisfactory job. He wanted to swing a few shots to vent his emotions. His wife had helped him withdraw his membership; then he found out that even his son’s Xbox could not be afforded, so he unsubscribed; when they came down, they first sold a sports car. Then there is the unwillingness to sell the house and move back to live with my parents...
Walker kept lowering the starting salary for his new job. He used to earn 160,000 a year, but he accepted 120,000; he couldn't find 120,000, but he accepted 90,000, but he still couldn't settle down. His eldest brother-in-law was helping others repair the house and wanted to give him a job. He was very reluctant at first-I am a white-collar worker anyway, how can I become a brick mover? For you, you certainly don't want to, but if you have no income, you may not even be able to keep your wife. Fortunately, Walker's wife is a very reasonable woman. She didn't complain at all, but she let Walker know that they would be very difficult without a new income.
In the end, Walker worked with the older brother-in-law. If you want to move, you have to move, and if you do it slowly, you have to be disgusted. There will be extra rewards for doing well. Don’t even want to lie down and collect money if you don’t work. When the employment relationship returns to its original state, I believe that not everyone sits in the air-conditioned room and knocks on the computer every day to burn brain cells. White-collar workers can accept it-if the intellectual effort required for manual labor is simple and does not make your work too stressful, it will give you no less physical test.
This is the naked reality. If you lose on the battlefield of verbal and "talking on paper", you should move bricks or move bricks. Otherwise, let alone the house, the car, the wife, or the children, you may lose even your underwear. Light. The bottom line of compromise lies in the upper limit set by you to withstand loss at a certain node. Walker can no longer accept the loss of his entire family, so he chose a temporary compromise, but this does not mean that his professional ability and industry experience are useless from now on. Compromise is a temporary transition, not a surrender to life-this is replaced by A well-understood Chinese word is called: recognize counseling, or temporarily recognize counseling.
In fact, many people around us are also "confessing" to life. Some people are run by colleagues in the company and insulted by their bosses in the middle age, but they choose to smile hippies or swallow their voices. Some people drink more than two glasses, expressing a big deal. There are a lot of ideas about the future, but what should I do the next day; some have a lot of dissatisfaction with the company or even the profession, and a lot of dissatisfaction with the income, but they dare not just leave...
The recent epidemic in the United States has been raging and the economy has been extremely down. The Trump administration has been criticized in the left-wing media, but he still wants to hurriedly end such measures as lockdowns and home quarantine, and return the business operations to normal as soon as possible, because he knows the economy. The card is his biggest re-election card, and now this sudden storm wants him to lose everything; and the American middle class is even more afraid of unemployment than illness. There is an article saying that the homeless people on the streets of the United States who are not covered by tiles may have been middle-class people with great beauty before. Because of a crisis, they could not turn over, and they could not turn over. Their wives were scattered, they owed a debt, and even one. No place to live.
The current situation faced by the middle class in the United States is not far from China’s post-80s, post-90s and new generations of young people born after the 00s. As our entire economic policy increasingly encourages consumption to stimulate domestic demand, China is becoming more and more in line with the world. Economic fluctuations are increasingly linked to the world. In reality, there are fewer and fewer iron rice bowls in the workplace. Young people are becoming more and more concerned about the quality of life at the moment, and they are becoming more and more accustomed to spending ahead of time instead of saving. Sooner or later, this kind of crisis Will also come to us.
How to have a more lasting sense of security in a turbulent economic environment? I think there may be the following:
1. Constantly strengthen one's own hard power, such as professional ability, academic qualifications, etc.;
2. Maintain moderate consumption and ensure that there are 6-12 months of anti-risk funds when stable;
3. Cash flow is more important than fixed assets (houses/cars) that are not completely owned by oneself; always remember to deposit and to preserve the value of deposits;
4. Be prepared for danger in times of peace. When the situation and market are good, don't forget about it, make full preparations for possible future crises, and "prepare for a rainy day";
5. When time permits, develop dual income channels, and try to make the income of the two income channels equal; (difficult, but the safest);
6. Marry a reasonable woman who can advance and retreat with you as your wife.
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