We've all probably heard of the concept “financial freedom”. Most people assume that the point of financial freedom is to earn a lot of money, then take early retirement at 40 and freely go out and enjoy life without thinking of money.
In fact, the goal of financial freedom is to have a free life. If you can do what you love, you’ll never work a day in your life. Thus, the “freedom” in “financial freedom” means being free to do what you like and are passionate about without having to worry too much about money. If you live a happy life without any debt, you’ll always feel excited when you wake up and get ready for work. Receive the value commensurate with your efforts, then you are financially free. Those who are rich with assets worth trillions of VND but are still working hard and pursuing their goals, have they not achieved the financial freedom to retire and enjoy life?
The concept of enjoyment doesn’t have to be luxurious, either, like staying in a villa, driving a luxury car, or dining at the fanciest restaurants. Enjoyment is simply being comfortable with life and loving what we have. Of course, when we have a sound financial plan, we will get what we really need.
In July 2020, Home Credit conducted a survey of consumers in Ho Chi Minh City and Hanoi between the ages of 20-40 and with an average income of VND 5-10 million/month. According to those consumers, consumer financial services help them and their families enjoy a more comfortable and convenient life without waiting too long or resorting to using their personal savings. As a result, customers feel happier and more optimistic about life. This is also what customers expect when they look for a reliable financial service.