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                            <li><i class="fa fa-clock-o fa-fw"></i>2025-03-13T10:16:05</li>
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                        <strong>Bro, if you can't even come up with 50k in savings, this one's gonna hit you hard again.</strong>
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Here’s a painful truth.

If you can’t even come up with 50,000 RMB right now, then you need to listen carefully to what I’m about to say.

Is life tough or not? You can only truly understand when you’re short on money. If you still think money is earned rather than saved, then you should be prepared for a lifetime of hardship.

The pandemic has made many people realize that having no money in your pocket means you have no security in your heart. Spending money too quickly, and not knowing which will come first, an accident or tomorrow, can leave you vulnerable. Every penny you save will give you the confidence to say "no" when you encounter unexpected events or jobs you don’t like.

My wife has a friend who is a housewife and always lives by the motto of enjoying life to the fullest. She has to get a new phone and computer every year, and she’s currently using an Apple 14 Pro Max in Midnight Purple with 1TB storage. I wouldn’t even dare to use such a phone. She drinks coffee every morning and every evening, buys clothes and shoes at will, all of which are designer brands. You’d think her family owns a gold mine, but in fact, her father is just an ordinary migrant worker. No matter how much money you give her to spend, without a plan, she’ll still end up broke at the end of the month.

At the beginning of 2020, her husband died from COVID-19, and the family suddenly lost its source of income. At 28, she wanted to remarry, but others saw that she had a child and was still a big spender, so they kept their distance. She tried to find a job, but she either thought the salary was too low or that the work was too exhausting. Honestly, I’d rather hire a fresh college graduate who earns just 3,000 RMB a month than someone like her, who no one even cares about.

Life was already tough enough, but then her parents were involved in a car accident and rear-ended a luxury car, taking full responsibility. Her father suffered severe head injuries and needed an additional 100,000 RMB for surgery. Without the money, they had to compensate for the car damage as well. Every day, she posts on her social media, trying to raise money through crowdfunding. After more than half a month, she only managed to raise a few thousand RMB, which is just a drop in the bucket. Many people are now mocking her, and she cries every day.

Life is tough, and you can only truly understand it when you’re short on money. That’s why I say you must save money.

First, this year is the worst in the past decade. But to be honest, this year is the best you’ll have in the next decade. You can see that the future will be a time when earning money becomes even harder. The structures in every industry have already been established, and the leaders have already emerged. Giant corporations and disrupted industries are everywhere. Small startups like ours will eventually die out. All the benefits have been exhausted, making it increasingly difficult to start a business or find a job. In the workplace, it’s common knowledge that you’re often out of a job by 35. People need to be mentally prepared for a tough decade ahead.

Second, everyone’s time to earn money is limited. Many young people think they can earn money all their lives. In reality, the time you can earn money might not exceed 30 years. And for most company employees, after 35, their earning potential starts to decline, and the actual time they can earn money from working might not exceed 20 years.

Third, don’t fall for consumerism. Do you know what the biggest advantage of the rich over the poor is? A higher tolerance for mistakes. No matter what mistake you make, you need money to fix it. Unlike ordinary people, even a small mistake can leave you struggling to pay next month’s rent or car loan. So if you can’t rely on your parents, spouse, or children, and you still want to turn things around, you need to save up some starting capital. Don’t fall for consumerism, where one thing is useless and another is pointless, and you think you need to enjoy life immediately. This is all just water in the brain, the kind of thinking that gets you kicked by a donkey. Remember to cancel your Huabei and Jiebei accounts so you don’t overextend your future. Be a bit more careful with your money, use your brain, take responsibility, and be worthy of your parents. The days ahead will be harder, so don’t spend like you did in the past.

Everyone has heard this saying: people rush around just for a few pieces of silver. But these few pieces of silver can make a young person age prematurely, bend their back, turn their hair white, and make the world a place of endless worry.

In the adult world, holding onto your money means holding onto your dignity, your confidence, and your responsibilities.

Come on, you got this, stranger! Give a thumbs up to your future self who will have money.
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