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                        <strong>When will I have ten million</strong>
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If you have 10 million, and you put it in the bank, do you know how magical your life would be? I'm not talking about anything else, but with a savings of 10 million, 99% of the hardships in your life could be cut off by the bank. 10 million puts you at the top in the country. So, if you put 10 million in the bank, how much interest can you earn?

The first option is a demand deposit. If you put 10 million in the bank for a year, the interest would be 35,000. Getting 35,000 from 10 million, you'd be a real spendthrift.

The second option is a one-year term deposit. The highest interest rate can reach 2.25%, so the interest for one year would be 225,000, which is seven times that of a demand deposit. That's 18,000 every month, which would be considered a high income even in Beijing. In second- or third-tier cities, you'd live worry-free.

The third option is a two-year term deposit, with an annual interest rate of 3%. The total interest over two years would be 600,000, or 25,000 every month. You could go on domestic trips whenever you want.

The fourth option is a three-year term deposit, with an interest rate of 3.5%. If you deposit 10 million for three years, you'd get 1,010,000 in interest, averaging 29,800 per month. What others strive for their whole life, you can achieve in just three years.

The fifth option is to buy government bonds. A five-year government bond has a maximum interest rate of 4%, with interest paid annually, totaling 400,000 per year. Over five years, that's 2 million, or 33,000 per month. You'd have more money than you could spend.

The sixth option is a large-denomination deposit. A five-year deposit with an annual interest rate of 4.5% would earn you 2.25 million at maturity, or 37,500 per month. Spending money would become a pain.

I'm not considering other risky options right now. In general, having 10 million in savings makes you a definite winner in life. If you earn 10,000 a month and save 5,000, it would take 167 years to save 10 million, or roughly four lifetimes. This would ensure a worry-free life.

I don't know how long it will take me to save 10 million doing e-commerce and playing the internet. I only know that by the end of each month, I have to transfer 200,000 from my company account to cover rent and employee salaries. I won't know how much I can save until the end of each year, and it might even be a negative number. But I do know that if you, a regular person, save 10 million, you'll definitely be invited for tea.

Listen up and give a thumbs up, come on, you got this, stranger! Life is tough now, and the risks of starting a business are high. How much you earn isn't as important as how much you can save. I'm 30 this year, and I used to be like you, not realizing the importance of saving money. Many people don't get married, have kids, or face pressure before 30, leading a carefree life and never realizing the importance of saving. As someone who has been through it, I kindly remind everyone that if you have the ability, you should start saving early. Money gives you the power to say no to things you don't like. It gives you more choices, makes you more confident, dignified, secure, and grounded. So, save early, delay gratification, and don't let your future self regret it.
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