Quản Lý Tài Chính: Bao Nhiêu Tiền Mua Được Hạnh Phúc?

Money, can you buy happiness or not? A topic that has opened up a lot of unresolved disputes between not only economists, but also scientists around the world. If you have ever read books about wealth or self-help, you can see very clearly about the power and influence of money on all aspects of life. From politics, when Donald Trump was elected president of the United States, to health, and the drug trafficking cases to get rid of the economy. Everything has and is showing a strong influence of money in recent years. But can money really buy happiness or not? In the book Your Money or Your Life, the author Vicky Robin mentions a connection between wealth and happiness, which is the Fulfillment Curve. Specifically, there are 4 special points on this curve that we need to pay attention to. The first is Survival. If your assets fall into this position of the curve, just a little increase in income can also make a big difference in the satisfaction of life. The second is Comfort. This point is used to emphasize that you have enough income to meet essential needs such as food or rent. With this group, spending more money still gives them a sense of happiness, but it cannot be compared to the level of satisfaction of those who are at the point of existence. Next is Factories. When it comes to this point, it also means that we are able to invest in more expensive things and pursue far-fetched hobbies, such as... And finally, it's Overconsumption. This is when the phrase More is less starts to take effect. In this part of the curve, with each amount of money spent on shopping, it will not only not satisfy the current needs of ourselves, but also make us feel extremely burdened and empty. Through the above curve, you can clearly see one thing, that is, money is actually just a tool for us to exist in today's world, just like water and air. But for humans, existence is not enough, but we need other things to be able to have a full and happy life. That's why, in a research on happiness, scientists have pointed out three main elements of happiness, which are physical and mental health, up to 50%. Next is being able to do activities that you are passionate about or love, up to 40%. And the remaining 10% are other tasks, including finance, money, etc. The fact that we focus too much energy into a group only creates a maximum of 10% value. If you look at it from an economic point of view, it's really not a very good investment. And in today's modern life, when all basic needs are guaranteed, then overconsumption or over-emphasizing the value of money will only make you feel empty and lose motivation to live. As a result, according to scientists, when fully met with basic needs, people will focus more on relationships, passions, hobbies, and the feeling of being connected or attached to something bigger than yourself, such as religion and politics. That's why she said money can buy happiness, it's only right when we're in a state of survival. But like many other tools, if you don't know how to manage or use money reasonably, this medium can cause a lot of difficulties or even turn us into a tool to make money. That's why in recent years, there have been many mobile application developers around the world focusing on building financial management apps with the aim of helping users not only balance, but also establish a more effective spending plan. And I am very proud when I was first introduced to Money Lover, an app that was invested very skillfully and seriously by a Vietnamese studio. This is the first Vietnamese app to be listed in the top 5 best apps in 2017 at the Google I.O. event. This app will help you keep track of your daily income and expenses by clicking on the plus sign at the bottom of the screen. Enter the amount of money, choose the type of money in the categories with 3 main tabs, which are debt to pay, spending, and income. We can also add an account, or take a picture, add a location, or add an ad to maximize your financial balance. The best thing about Money Lover is that it is a smart and scientific system that allows you to determine how much money you are spending as well as set up a budget to limit unworthy expenses. All data of Money Lover is stored in all devices and is completely free, so you can rest assured about the quality and reliability when using it. In addition to Money Lover, we also have many other similar options from international regulators such as Spendy or Mint. I will leave a link to these apps in the description for anyone who is interested. In conclusion, money can buy happiness, but with one condition, that is, we must understand the nature and know how to use this tool reasonably. Just like water or air, if we lack them, we cannot exist. But even water can turn into a killing tool if boiled at a high temperature. That's why you should spend some time to learn about the principles of money, as well as how to use them more effectively. Because money, although it is not a word that means happiness, but life will become very tough and difficult if we lack money. And if you find my information useful, don't forget to like, subscribe and comment on the tips you often use to manage your finances. And I will see you next Friday. I'm Minh and this is Draw Your Brain.