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 […]

Everyone may encounter adversity, because “good times don’t last forever, and good scenery isn’t always there”. Adversity comes in different sizes, but to each person who experiences it, it feels significant. The adversity faced by prominent figures is often of great magnitude, otherwise it would be resolved in an instant. While the adversity faced by […]

In most cases, when trouble arises, just one word is sufficient: Acceptance. Although natural disasters sometimes occur, most of the troubles people face are actually their responsibility. In this regard, most people cannot “acknowledge the troubles they have created” let alone “solve the troubles they have created”… 在大多数情况下，当麻烦出现时，只需一个词就足够了：接受。虽然自然灾害有时会发生，但人们面临的大多数麻烦实际上是他们的责任。在这方面，大多数人都无法“承认他们制造的麻烦”，更不用说“解决他们制造的麻烦”…… When I was young, my father deliberately […]

First, let me give you an example. A few years ago, I met a young man who had graduated from a top university in China with a degree in foreign languages. He had been working for two or three years and had been working part-time at an English training program for college entrance exams. He […]