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                            <li><i class="fa fa-clock-o fa-fw"></i>2025-03-26T20:00</li>
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                        <strong>Saving money is the real wake-up call in life.</strong>
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Here's a hard truth to hit you where it hurts: those who save money and have savings are the most awake and aware in this world!

In recent years, we've witnessed too many accidents and hardships. Especially with the rise of short videos, the awareness and intelligence of the working class have advanced by at least 50 years, giving us more insights into the realities of society. Back then, TV shows kept us living in a dream and self-numbing, making us believe everything was real.

Sure, you can enjoy playing games and spend thousands or even tens of thousands on in-game purchases. You can also indulge in luxury beauty products like high-end lipsticks, perfumes, and designer bags. You might frequently visit trendy restaurants with your partner and travel to different places, living a refined life. But even with a monthly income of over 10,000, who can really afford such extravagant spending?

Now, the iPhone 15 is out, and Huawei Mate 60 and 70 are also available. Are you feeling the urge to buy them? I advise you, if you come from an ordinary family, we should still save more money and plan for the future.

When you encounter problems that can be solved with money but have none, or when you need to borrow 10,000 and can't get it, the embarrassment and humility will only be known to you. If you don't believe me, try calling someone right now to borrow some money. See if the person who promised to help you yesterday will suddenly become unreachable today, and if your WeChat will be blocked.

So, when you lack money, you'll realize how helpless life can be. Money isn't everything, but without it, you can't move an inch.

These days, it's getting harder to earn money each year. People who lose their jobs at 35 are common, and pregnant women being forced to quit is also a frequent occurrence. Even at 65, some people are still working hard and can't retire. Without savings, how can we handle emergencies? Our prime earning years are short—only about 30 years—but we need to spend money for 70 years. So, you need to earn and save enough money to cover your entire life, spending on the young and saving for the old.

Here are a few tips, I hope you'll take them to heart:

First, start saving immediately. The best time to save isn't when you have a lot of money, but right now. As long as you have an income, start forming the habit of saving, even if it's only 300 a month. It's about the habit, not the amount. Don't say, "I'll save when I earn more." Do you really believe that? When you earn more, you'll spend more, and you'll still end up with nothing saved.

Don't listen to the nonsense that "money is earned, not saved." How many people truly earn a lot these days? Do you know anyone like that? Tag them for me, and let me know how much they've made. Who doesn't start by being frugal and saving money, and then invest and start businesses once they have enough? Who doesn't enjoy life more after building a solid financial foundation?

If you think about having a good time and living for the moment when you should be working hard, have you thought about your future? When you should be enjoying life in your later years, you'll end up working hard like the young because you have no money. You see people who are 65 and still can't retire, still working hard.

Second, avoid overspending and reduce unnecessary expenses. Don't fall for consumerism, stay away from loans, credit cards, and blind shopping sprees. These only bring temporary happiness, followed by endless debt. When I bought a Mercedes, I was happy for a week. When I bought a Maserati, I was happy for a day. Now, I buy cars based on need, not vanity or competition. My car just sits in the garage, gathering dust, because, after all, my family isn't rich. Spending lavishly now is just robbing our future.

Lastly, don't believe in financial management. By financial management, I mean investing in stocks, funds, and other unpredictable things. These are highly specialized areas. Unless you have a deep understanding of them, don't touch them. Invest in your brain, not in financial products. Finance is something you'll never fully understand, no matter how long you live. Just like the antiques industry, if you don't have three generations of experience, stay away!

I know some people will disagree, saying someone made a fortune with Bitcoin a few years ago. I don't care. I just want to ask you: did they eventually convert their Bitcoin to RMB? Where did they get it from?

Money is never enough to earn, but it can be lost completely. Think about it: you worked hard to save a bit of money, but because you didn't understand it, you dabbled here and there, and ended up losing everything.

Investing in your brain is the best investment. When it comes to paying for education, don't be hesitant and say, "Oh, he's trying to fleece us." Buying a book or taking a course shouldn't make you feel like a fool. But for the sake of face, to be the top donor in a group, to spend a fortune on a game's skin, to get an iPhone 15 just for the watermark on your photos, or to use your dad's medical expenses to see your favorite idol's concert...

Other people's lives are their lives, but what is life without money?
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