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                            <li><i class="fa fa-clock-o fa-fw"></i>2025-04-13T20:00</li>
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Now, who can't come up with 500,000 to 600,000 in savings at home? Today, I'll share a sad and harsh story with you. Hu Hansan wanted to buy a house for his wedding, but he didn't have that much money. He wanted to pay a smaller down payment and then pay off the mortgage slowly together with his partner when their lives got better. However, his girlfriend wanted him to pay a larger down payment. Because of the money issue, they are now breaking up. Then, his girlfriend said the first sentence, and also said that if he couldn't come up with the money, they wouldn't buy the house or get married. Sigh, do you have any idea how much 500,000 to 600,000 in savings is? I've sold insurance. Do you know why bank deposit insurance only covers up to 500,000? It's based on data. Even if you look at the whole country, only 0.37% of bank depositors have savings of 500,000. No way, my house isn't worth that much, are you mistaken? Actually, we need to understand that there's a big difference between savings and assets. Many families have properties or fixed assets worth 500,000 to 600,000. My two houses are worth 1,000,000, and my two cars are worth more than 1,000,000, but that doesn't mean I can take out 500,000 in cash all at once. Do you agree? So now, many young people who have just graduated and haven't really started working yet, talk about cars worth tens of thousands and houses worth millions. I don't know where your courage comes from. For example, if you earn 10,000 a month, and you live a simple life, saving 5,000 or 6,000 each month, it would take you about seven or eight years to save 500,000. How old would you be then? Probably around 35. Also, how many people can earn 10,000 a month, and how long can they maintain that? Actually, for these people, having 500,000 in assets isn't hard, but it's difficult to be able to take out 500,000 in cash all at once after paying off all the loans and handling all the major expenses. That's really tough. In reality, a family of three earning 10,000 a month, with no mortgage or car loan, can save 40,000 a year, which is pretty impressive. Because now we live in an era of universal debt, paying off loans is the main theme of our time. Many 80s and 90s generations buy houses and cars mostly through loans. Some salaried workers are almost retired by the time they finish paying off their loans, and their remaining income can barely cover daily expenses. Nowadays, too many people spend too much time online, seeing all the luxurious cars and mansions, and thinking that's what life should be like, which distorts your understanding of money. I suggest you visit a job market and see what you're worth. Too many families struggle to afford their children's college education. I relied on student loans to get through college. Some families can't even afford a few thousand for medical expenses. Of course, I admit that many people have made money, but often it's because they've benefited from decades of economic advantages, such as demolition, certain coincidences, certain policies, or internet short videos and live streaming. But that's not something you can achieve through personal effort alone. If I hadn't gotten into the internet business in 2019, I might just be a small bakery owner, still baking bread and making cakes, and wouldn't be where I am today. People have big dreams, but without luck, they can't come true on their own.
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