Some say: “Character determines destiny.” How is personality formed? What factors determine it? Is it genetic or acquired? Anyway, personality should not be determined by blood type, zodiac sign, or fortune-telling. These are all superstitions, although it is said that superstitions also have their benefits. 有人说：“性格决定命运。人格是如何形成的？哪些因素决定了它？是遗传的还是后天的？无论如何，性格不应该由血型、星座或算命来决定。这些都是迷信，虽然据说迷信也有其好处。 In my opinion, a person’s character is determined by […]

The cycle is the most crucial consideration in financial investment activities, a concept and reality that must be learned, studied, mastered, and followed before starting practice, but unfortunately, it is often ignored. The cycle is also omitted in most financial books on the market or is simply brushed over, but it is actually the most […]

Previously it was mentioned that the most reliable way to increase income is to increase passive income, also known as “sleep income”. Here we discuss something unavoidable in life – passive expenses. 前面提到，增加收入最可靠的方法是增加被动收入，也称为“睡眠收入”。在这里，我们讨论生活中不可避免的事情——被动开支。 Passive expenses, colloquially speaking, refer to “you haven’t done anything, but your money has already been spent.” Huh? Is there such a […]

Some money really can’t be saved, otherwise, it’s destined for a “loser” life… 有些钱真的省不下来，否则，注定是“失败者”的人生…… Times are changing. Just 50 years ago, even “eating enough food for the whole family” was a luxury. There’s a novel called “The Chessmaster” by A Cheng which was later adapted into a movie by Tsui Hark, with award-winning actor Tony […]

Managing money or investing, abandoning courage and focusing on knowledge. 管理金钱或投资，放弃勇气，专注于知识。Courage has always been a quality universally encouraged in all societies and throughout history. Conversely, cowardice has always been widely despised. It seems that many major advances in history have been the result of taking risks. 勇气一直是所有社会和整个历史普遍鼓励的品质。相反，怯懦一直被广泛鄙视。历史上的许多重大进步似乎都是冒险的结果。 Imagine yourself in ancient times, struggling with malnutrition […]

What is a high-quality life? It is not a general question, but for many people, there is no answer and they have not thought carefully about it. For most people, a high-quality life is the life of others at present, occasionally what they hope for, or a life they haven’t experienced when looking back. 什么是高品质生活？这不是一个笼统的问题，但对于许多人来说，没有答案，他们没有仔细考虑过。对于大多数人来说，高质量的生活是别人当下的生活，偶尔是他们所希望的，或者是他们回首往事时没有经历过的生活。 […]

Do we really have a choice? 我们真的有选择吗？This is actually a big question. Because it involves a concept that is incredibly important to everyone – Free Will. Even at a philosophical level, this is still an ultimate question: does Free Will really exist? 这实际上是一个大问题。因为它涉及一个对每个人都非常重要的概念——自由意志。即使在哲学层面上，这仍然是一个终极问题：自由意志真的存在吗？It cannot be denied that for over 99% of human history, people lived […]

The best way to make money is lying down. 赚钱的最好方法就是躺着。In the article “The Earlier, The Better”, I mentioned why people today should pay more attention to financial management? The reason is simple: people’s average life expectancy has increased, and the amount of time people can earn income has also increased, so it doesn’t matter if […]

Starting financial management as early as possible is better, as mentioned. But how to start? Start saving money today. 如前所述，尽早开始财务管理更好。但是如何开始呢？今天就开始存钱吧。 How difficult is it to save money? Statistics show that 73% of Americans have less than $1,000 in “emergency money.” Historically, the highest savings rate globally was determined by the culture in China. However, with […]

There are very few things that are better to start early, and personal finance is at the top of the list. It is the most important skill in life— there is simply no other, yet the majority of people don’t know how to manage their finances. Many want to learn but fail to understand, and […]