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                            <a href="https://www.liuleinet.top/articles/detail/554"><i class="fa fa-check"></i>原創</a>
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                            <li><i class="fa fa-clock-o fa-fw"></i>2025-03-27T20:00</li>
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                        <strong>Saving money is what keeps you grounded in reality.</strong>
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Let's talk about a hard truth.

Here's another one to hit you where it hurts:

The people who save money and have savings are the ones who are truly awake in this world!

In recent years, we've seen too many accidents and hardships, especially on short video platforms. In fact, the emergence of short videos has boosted the awareness and intelligence of the underprivileged by at least 50 years, helping us understand more social truths. Back in the day, TV made us all live in a dream, self-anesthetized, thinking it was all real.

You can play games like everyone else, spending thousands or even tens of thousands on them. You can also pursue beauty, with high-end lipsticks, perfumes, and designer bags. You can frequently go to trendy restaurants with your partner, travel around, and live a refined life. But even if you earn over 10,000 a month, who can really afford to spend like that?

Now, the iPhone 15 is out, and the Huawei Mate 60 and 70 have also arrived. Are you starting to feel the urge to buy them? I advise you, if you come from an average family, we should save more for the future.

When you encounter a problem that can be solved with money but you don’t have it, or when you can’t even borrow 10,000 yuan from anyone, the embarrassment and humiliation you feel will only be known to you. If you don't believe me, try calling your friends now and asking to borrow some money. See if they answer? You might find that they block you on WeChat and stop answering your calls.

So, when you lack money once, you'll realize how helpless life can be. Money isn't everything, but without it, you'll find it hard to move forward.

These days, it’s getting harder and harder to earn money each year. Unemployment at 35 is becoming common, and being laid off because of pregnancy is also frequent. Even at 65, some people are still forced to work because they can’t afford to retire. Without savings, how will we handle emergencies in the future? Our prime earning years are short—only about 30 years—but we need to spend money for 70 years. So, you need to earn enough to cover your entire life, spending on your kids first and then on yourself in old age.

Here are a few tips, and I hope you’ll listen.

First, start saving immediately. The best time to save isn’t when you have extra money, but now. As long as you have an income, you should start saving, even if it’s just 300 yuan a month. It’s about forming a habit, not the amount. Don’t think, "I’ll save when I earn more." Do you really believe that? When you earn more, you’ll also spend more, and you still won’t save.

Don’t listen to the nonsense that "money is earned, not saved." How many people do you know who have truly made a fortune? Do you have such a person in your circle? Tag them for me, and tell me how much they earn. Who doesn’t start by being frugal and saving? Once you have enough, then you can invest, start a business, and enjoy your life.

If you’re in the prime of your life and just think about living in the moment, have you considered your future? When you should be enjoying your golden years, you’ll find yourself working hard like today’s young people because you don’t have money. Some people are still working at 65, struggling to make ends meet.

Second, avoid overspending and reduce your expenses. Don’t let consumerism brainwash you. Stay away from loans like Borrowing Balance, Hundred Paths, and credit cards. Don’t buy things just because you want them. These things only bring temporary happiness, followed by endless debt.

96G, 700,000 yuan—I was happy for a week when I bought a Mercedes, and only for a day when I bought a Maserati. Now, I buy cars based on need, not to satisfy my vanity or to keep up with others. My car just sits in the garage gathering dust.

After all, we don’t have a mine at home, and we can’t rely on our parents. Spending recklessly now is actually robbing our future.

Finally, don’t believe in financial management. By financial management, I mean investing in stocks, funds, and all sorts of other things. These are highly specialized topics, and unless you truly understand them, stay away. Invest in your brain instead. Finance is not something you or I can fully grasp. You won’t figure it out in your lifetime, just like the antiques industry, which requires at least three generations of experience.

I know some people will disagree, saying that so-and-so made a fortune with Bitcoin a few years ago. I don’t care. I just want to ask you: did they eventually convert their coins into RMB? Where did the money come from?

Money is never enough, but it can be lost. Think about it: you finally earn some money from your hard work, but because you don’t know what you’re doing, you dabble here and there, and end up losing a little here and there, eventually losing everything.

Investing in your brain is the most profitable investment. When it comes to paying for education, don’t hesitate: "Oh, he’s just trying to scam me." Buying a course or a book doesn’t make you a fool. But spending lavishly for the sake of showing off, becoming a top spender, buying a game skin, or taking photos to post online with the iPhone 15 watermark, and even paying in installments to see your favorite idol’s concert, using your dad’s hospital bills to pay for it—these are the real foolish acts.

Other people's lives are their own,
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