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“你到上海了吗？开工了吗？”
“没有啊，我今年不出去了”
“为什么？怎么想的呀？”
“就是想安稳点。这三年，对于我来说简直要了半条命，房贷压力大，工资还降，孩子网课没有人看着，各种焦虑，感觉每天都在危机和焦虑中度过。就想在老家，自己干点事情，自己掌握主动权。”
——————————————————————————————————————————
“亲爱的 看你朋友圈 是还在家呢吗？”
“对呀！今年不出去了！”
“大厂工作都辞了？”
“辞了，我32了，职业发展感觉到了瓶颈期，然后我这刚结婚马上面临要孩子，一想现在还是租房，之后孩子出生没人带，上学还得折腾回老家，就不敢去了。今年准备在家创业，已经开始在选项目了。”
以上为记者和两个朋友的聊天，一个在上海，一个在北京。这也是大城市务工人员、毕业大学生返乡创业潮的缩影。
一、为什么是2023年？
返乡创业创新是繁荣乡镇产业的重要途径，也是近几年逐渐兴起的一波浪潮。据央视网消息：截止到2022年3月底，全国返乡创业人数累计达到1120多万。湖南省邵东市也统计了前三年共计2.6万多人返乡创业，创办各类经营主体2.5万多家，其中投资上亿元的企业52家，带动逾10万人就业。2023年将迎来更大一波的返乡创业潮，除了政策的利好，创业就业环境的改善，也有每个在外就业的人对回乡的渴望。
在经过了三年的焦灼，大多数人内心都在追求一种平稳、健康、安全的生活环境，所以也不再惧怕乡亲们质疑：返乡是不是说明自己不行、在大城市混不下去？反而会更关注自己返乡后的事业规划，用自己擅长的技能，结合本地化的产业，更好地实现自我价值。
二、为什么要做离钱近的生意？
2023年这一大波返乡创业潮，能用创新带动创业，以创业带动就业，对于乡镇振兴是极好的机会。同样，对于每一位返乡创业的人，他们如何尽快找到自己的事业方向？
1. 找离钱近的生意
离赚钱最近的生意，意味着最容易看清楚事情的进展，赚钱或者亏钱，什么时候可以达到赚钱，创业者对这些都应做到一目了然，利用自己已有经验，有方向有目标有玩法，每一步都是在向目标靠近，成功的几率就大大地提升了。
2. 切入最靠近钱的事
离钱近的那就是一个字：卖！卖产品、卖服务、卖咨询，能不能更好解决别人的问题？能不能提供更高价值的服务？能不能解决更多人的问题？只要成交立马就可以看到钱，这就是离钱近的事情。
三、2023年离钱最近的项目有哪些？
做离赚钱最近的生意，从安全与保险的角度，就是放大成功的几率。离钱近，需要离老百姓的支出大件、刚性需求近，常见的有哪些呢？
金融：金融是当之无愧的离钱近的一个领域，各大银行，上市的蚂蚁金服等都能佐证，以行业层面来讲它可能还是最赚钱的，所以大家都打破头皮往里面挤。
大健康医疗服务：对于健康保障的医疗服务，是刚需中的刚需，相对应的医疗服务提供方，医院或者诊所，也是离钱近的项目，当然投入也是巨大的。
自媒体：这是线上离赚钱最近的项目，门槛低，甚至一部手机就可以做，而且自媒体能变现的方式较多，比如做自媒体可以拍视频、录音频、写图文、写问答、写微头条、接广告单、文章或者视频里面插入广告、直播带货等等，我们只要专注做好一种，击穿一种就很好了。
脱发白发理疗：央视在2019年就报道有2.5亿脱发人群，白发人群更是远超脱发人群，三年的焦灼和压抑导致需求涨得非常快，也是离钱越来越近的项目。脱发白发理疗一般按理疗周期预付费，只要成交立马就可以看到钱，这就是离钱近的事情。在全国有1000多家门店的头发理疗品类开创者——黑奥秘，其创始人在一次大会上说：“我们顾客到店平均80次/年，比我和亲人见面的次数还多，所以我们也一直奉行‘顾客是亲人’的理念，把大量的物力财力投入到脱发白发的核心成分研发中，希望用科技的力量，真真切切去解决更多人的脱发白发问题。”够刚需、够高频，这也是让这个项目离钱近的一个原因之一。
（头发理疗品类开创者－黑奥秘门店日常）
四、返乡创业要注意什么？
2023年想开店的创业者，最好选连锁品牌，更有保障。在选择项目时可以从以下几个方面理性判断：
1. 选需求旺盛、持续增长的赛道，刚需高频，保障持续增收；
2. 选择离钱最近且符合自己投资能力匹配的项目；
3. 选择该细分品类的开创者，占住品类资源，流量入口大；
4. 选择疫情三年依旧保持增长、向上势头的品牌，这类品牌自带流量；
5. 需要有高壁垒的核心成分产品，真正解决民生问题，才能做持久生意；
6. 选择有活力认知高的团队，真正能为开店人提供当下可落地的复制方案。
这个万众期待的春天，也是返乡创业的春天，创业者要有辨别风险的能力，更要有抓住机遇的能力，用这6条准则，可以帮助创业者们筛选符合自己的、离钱最近的好项目，尽可能降低创业的风险。
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“别人卖菜，我卖花，可以饿死，浪漫不死。”大福在南京摆摊卖花，这是他花摊的标语，几乎每个过路人都会将他句话读一遍。 大福是90后，在摆摊之前，他做过三年摄影师、在义乌开过小商品网店…
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2022年衰哪些便宜饭筑虫嚼量泵陡膳急荐？（29豌100GB）
这个问题揖我算扑袁对萨享！！绪人资邢素斗创，之安锐淘夕引触湾搅核被尚了，充值99，公众电柿仿，淘宝也不差，卡就裂浪赂奖样 留兼枷乖，篓了大动年垄贰这湖面桨门泳降，富绊课张誊说，谴医…
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情人节期间，去做这6种生意，投入不大，赚钱却不少
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我做过不少生意，刚开始开的电脑店，维修，卖电脑，也算赚到了一点钱。 后来因为手机的普及，生意慢慢的淡了，只能解决温饱，想赚很多钱也不可能了。 其实，不管现在做什么生意，都有风险的，…
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未来5年，适合普通人赚钱的6个行业
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浮生六记里有这样一句话：“处家人情，非钱不行。” 家庭生活，人情往来无一不会用到钱。 人到中年，经历过生活的不堪，才知道钱能烫平人生一切褶皱的熨斗。 对咱们普通人来讲，跟对趋势，抓…
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拼多多的出海项目近期成跨境电商圈热点。8月19日，继媒体曝出拼多多正在筹备B2C跨境电商平台后，又有外贸商家在网上晒出《拼多多跨境电商招商指南》。南都湾财记者注意到，该指南显示，招…