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                            <li><i class="fa fa-clock-o fa-fw"></i>2025-04-26T20:00</li>
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If you deposit 10 million in the bank, do you know how magical your life would become? I won't go into other details, but with a deposit of 10 million, 99% of your life's troubles can be cut off by the bank. 10 million puts you at the very top in the country. So, how much interest can you get from 10 million?

The first option is a current account. If you leave 10 million in the bank for a year, you'll earn 35,000 in interest. Earning 35,000 from 10 million, you're definitely a spendthrift.

The second option is a one-year fixed deposit, with the highest interest rate of 2.25%, earning 225,000, which is seven times that of a current account, or 18,000 per month. Even in Beijing, that's a high income, and in second or third-tier cities, you can live comfortably.

The third option is a two-year fixed deposit, with an annual interest rate of 3%, earning 600,000 over two years, or 25,000 per month. You can travel domestically whenever you want.

The fourth option is a three-year fixed deposit, with an annual interest rate of 3.5%, earning 1,010,000 per year, or an average of 29,800 per month. Others work hard all their lives, but you only need to play for three years.

The fifth option is buying government bonds, with a maximum interest rate of 4% for a five-year bond, earning 400,000 per year, or 20 million over five years, averaging 33,000 per month. The money is practically endless.

The sixth option is a large-denomination certificate of deposit, with an annual interest rate of 4.55%, earning 2,250,000 per year, or an average of 37,500 per month. Spending money becomes a burden.

I won't consider other risky options for now. In short, if you save 10 million, you're a winner in life. If your current monthly salary is 10,000 and you save 5,000, it will take 167 years to save 10 million, which is about four lifetimes. Saving 10 million can ensure a comfortable life.

I don't know how long it will take me to save 10 million doing e-commerce and internet business. I only know that at the end of each month, the rent and salaries for my company and staff require me to transfer 20,000 from the company account. I won't know how much I can save until the end of the year, and it might even be a negative number. But I do know that if you, an ordinary person, deposit 10 million in the bank, you will definitely be invited for a chat. Come on, you got this, stranger!

Stranger in front of the screen, 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, before they get married and have kids at 30, live very freely, right? They don't realize the importance of saving money.

As someone who has been through it, I kindly remind everyone: if you have the ability, you should start saving money early. Money allows you to say no to things you dislike; it gives you more choices; it makes you more confident, respectable, secure, and self-assured. So, start saving money early, delay gratification, and don't let your future self hate your present self for not saving.
Come on, you got this, stranger!
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