2024-07-01 05:43:25
[돈의 심리] The tendency to proceed with what’s already acquainted… The rationale why Steve Jobs insisted on a black t-shirt
I do not costume properly. I often put on memento T-shirts that I purchased whereas touring. I do not know what is sweet or dangerous, what fashion fits me, or what it means to put on garments that match colours.
“Now, don’t fear about style.”
Mates I’ve identified for a very long time say issues like this. Folks I’ve met a couple of instances have a tendency to consider my style as “having cash however dwelling frugally,” “not spending cash on pointless issues,” and “having cash however not being extravagant.”
However once I hear that form of analysis, it feels a bit unusual. Am I sporting this as a result of I need to get monetary savings and never spend extravagantly? To be clear, that’s not the case. Nonetheless, I get a optimistic analysis that I don’t spend cash unnecessarily although I’ve cash and am frugal. Come to consider it, I’ve usually heard that humble wealthy individuals costume shabbily, don’t drive costly international vehicles, and principally take the subway, and attempt to discount a couple of hundred gained on the market. It’s additionally stated that good wealthy individuals don’t spend extravagantly even after turning into wealthy and that their earlier consumption patterns don’t change a lot. After all, there are such wealthy individuals. So does that imply that they’re actually frugal and don’t spend extravagantly? I don’t assume so.
Even after turning into wealthy, if you happen to nonetheless have the identical life sample as when you weren’t wealthy, what sort of life sample would that be? In case you put on the identical garments you wore when you weren’t wealthy, eat the identical meals, dwell in the identical home, and pursue the identical hobbies, does that imply you’re dwelling a frugal life and never extravagant simply since you are wealthy? Ought to I reward him as a constant individual as a result of he has the identical way of life sample earlier than and after turning into wealthy?
Wealthy individuals who dwell frugally
If an individual who was not wealthy turns into wealthy, it’s clear that the dwelling circumstances or setting have modified. Persons are beings who’re influenced by their setting, and subsequently, if the encompassing setting adjustments, they need to change as properly. Nonetheless, they don’t change. Is that this consistency an excellent factor?
It does not appear to be so. Let’s take into consideration why individuals present the identical consumption patterns as earlier than even after turning into wealthy. It may very well be as a result of they’ve ‘neophobic’ tendencies, although they’re wealthy. In psychology, there’s a idea referred to as neophilia and neophobia, which is about how individuals react to new issues. Neophilia is a optimistic tendency towards unfamiliar environments or new issues, and neophobia is a unfavorable tendency towards unfamiliar environments or new issues. A neophobic individual doesn’t like new issues and doesn’t need change. They only need to proceed to do what they’re used to. They need to proceed dwelling within the place they lived, consuming the identical meals they used to, and sporting the identical garments they used to put on. For my part, most wealthy individuals whose consumption patterns don’t change after turning into wealthy don’t achieve this as a result of they attempt to dwell frugally, however as a result of they’ve neophobic tendencies.
Some might surprise why there are neophobic individuals among the many wealthy. Aren’t wealthy individuals individuals who like and check out new issues? No. Some wealthy individuals turned wealthy by creating new issues, however many others turned wealthy by merely repeating the money-making rules they found way back with out altering them. Additionally, they might present neophilia in relation to making a living, however they might be neophobic in different areas. Steve Jobs was a consultant innovator who continued to create new merchandise, however he solely wore the identical denims and black T-shirt. He was neophobic when it got here to garments. He accepted new issues in areas he was excited by and the place he made cash, however when it got here to areas of life unrelated to making a living, he simply thoughtlessly did what he had at all times carried out.
There are wealthy individuals who do not have the funds for to dwell on
Way of life apart, why do wealthy individuals ask for a reduction of some hundred gained once they purchase meals on the market? People who find themselves poor and wish to avoid wasting a couple of thousand gained on dwelling bills can ask for a reduction, and it’s pure. That is why most individuals ask for a reduction. Nonetheless, wealthy individuals don’t ask for a reduction as a result of they don’t have a couple of hundred or thousand gained to spare. So why do wealthy individuals complain that issues are costly and ask for a reduction? There may very well be a number of causes.
First, the household is wealthy however the individual has no cash. The partner earns some huge cash and the household has numerous belongings. Nonetheless, the partner doesn’t give the individual a lot cash. They solely give the individual 2 to three million gained for dwelling bills. Then, the individual has to dwell with this cash. They will do issues like journey overseas, purchase house home equipment, or purchase luxurious luggage as a result of they provide them more money. Nonetheless, they don’t give them a lot for day by day dwelling bills. Then, the individual has to economize whereas spending cash. Even when they’re wealthy, their lives are the identical as strange individuals. They need to discount on the market. Surprisingly, there are lots of individuals like this. They’re the youngsters of well-known conglomerates in Korea, however their dad and mom hardly give them any allowance. Then, even when they’re the successor of a conglomerate, they haven’t any alternative however to avoid wasting 1,000 gained or 10,000 gained wherever they go. On this case, they don’t seem to be dwelling frugally regardless of being wealthy. The household is wealthy, however they haven’t any cash, in order that they haven’t any alternative however to dwell frugally.
Second, there are circumstances the place you assume the vendor is unfairly asking for a excessive value. You already know the worth of the merchandise properly, however the different celebration is asking for a better value. It was once 10,000 gained, however now they’re asking for 15,000 gained. The 5,000 gained shouldn’t be the issue. The opposite celebration is making an attempt to tear you off. Regardless of how a lot cash you might have, you may’t simply ignore somebody making an attempt to reap the benefits of you. The identical goes for inside design. 2 million gained appears sufficient, however they’re asking for two.5 million gained. There’s a cheap value, and they’re asking for a better value. You possibly can’t pay all that cash. It’s a must to decrease it. They’re making an attempt to barter the worth by saying, “It’s costly. Let’s make it 2 million gained.” On this case, you shouldn’t consider them as frugal wealthy people who find themselves making an attempt to decrease the worth to avoid wasting 500,000 gained, no matter whether or not they’re wealthy or not. They’re simply making an attempt to keep away from being handled unfairly by the opposite celebration and never being a rip-off. And personally, I don’t like negotiations which can be carried out because of this. That is based mostly on the concept that the opposite celebration is making an attempt to deceive or acquire unfair benefit. If the service provider thought he was getting a good value, there could be no such value negotiation. They assume that the service provider is asking a excessive value, not a good value, in order that they attempt to decrease the worth. The service provider asking a better value than the unique value is the issue, and the patron who thinks that the service provider is making an attempt to tear them off can also be the issue. It’s a unfavorable view of society and folks. That is why decreasing the worth of an merchandise can’t be seen solely as a optimistic phenomenon of making an attempt to economize.
Some individuals consider value haggling as a recreation.
Third, there are circumstances the place the worth of an merchandise is taken into account a course of. The purpose shouldn’t be to economize, however to assume that value negotiation is a pure a part of the transaction course of. When a service provider in a market says “It’s 10,000 gained,” there are nearly no individuals who purchase your complete merchandise for 10,000 gained. If they are saying 10,000 gained, individuals naturally say issues like “Please decrease it by 1,000 gained” or “Please decrease it a little bit.” Value negotiation is one thing that occurs naturally when making a transaction. The service provider anticipates that the opposite celebration will ask for a cheaper price, in order that they name for 10,000 gained although the merchandise is initially 8,000 gained. In the event that they name for 10,000 gained and the opposite celebration asks for a cheaper price, they faux to simply accept the request and obtain 8,000 gained. If the opposite celebration doesn’t ask for a cheaper price and simply desires to pay, they are saying “I’ll offer you a particular cheaper price” and obtain solely 8,000 gained. On this case, value negotiation is a form of recreation and leisure. It’s leisure the place they play tug-of-war to see who is healthier at bargaining. On this case, we should always not assume that the wealthy are attempting to avoid wasting 1,000 or 2,000 gained. The wealthy do that not to economize, however for enjoyable.
I believed that wealthy individuals who put on shabby garments and attempt to get a 1,000 gained low cost have been good wealthy individuals. However I do not assume so. I believe that people who find themselves wealthy however do not change, individuals who haven’t got peace of thoughts, individuals whose purpose is to not dwell properly however to build up cash are those who do not spend cash. From my perspective now, I do not like such wealthy individuals.
| Dr. Choi Seong-rak… |
| He graduated from Seoul Nationwide College’s Division of Worldwide Economics and earned a doctorate in public administration from Seoul Nationwide College’s Graduate College of Public Administration and a doctorate in enterprise administration from Seoul Nationwide College’s Graduate College of Science. He labored as a professor of enterprise administration at Dongyang Mirae College, however retired after making 5 billion gained in belongings by means of funding in 2021 and resides as a Fireplace member of the family. |
*In case you seek for ‘Journal Donga’ and ‘Twovengers’ on YouTube and portals respectively and comply with them, you’ll find quite a lot of funding info, together with movies along with articles.
2024-07-01 05:43:25