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                            <li><i class="fa fa-clock-o fa-fw"></i>2025-05-01T20:00</li>
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                        <strong>How to make the middle class fall back into poverty and give the rich a headache</strong>
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How to make the previously poor people, who have now become somewhat wealthy, return to poverty is one of the biggest concerns for the rich today. I used to be poor, and now my conditions are slightly better. With my current status, especially with a net worth of around 5 million, I have become a target for the rich to "snipe."

What is the wealth of the rich? I used to think it was luxury homes, cars, and real estate. But after truly interacting with them, I realized that in their eyes, these are all dead assets; they can't serve the rich by making tea, doing laundry, or cooking. The real wealth of the rich is the poor, who need money to survive and can cater to their needs. Isn't that残酷 (cruel)?

First, we need to understand a concept: in this world, no matter how many poor people there are, their total number is always limited. Even though the rich compete to attract the poor, if one poor person escapes poverty and becomes rich, the total number of poor people in the rich's wealth pool decreases. If everyone were to escape poverty, what would being rich mean? Would you, as a rich person, be willing to serve other rich people? Therefore, keeping the poor poor has become a common goal among the rich.

During the Qing Dynasty, there was a dedicated department that spent the whole year calculating how much an average person needed to earn to meet basic living needs. For example, they calculated that a person needed to earn 33 taels of silver a year to support a family. They would then use various means to ensure that most people earned just 30 taels, known as "missing three taels." This made people easier to manage.

Now, if you try to use this method, it's clearly not practical. Some people have indeed worked hard, saved money, and accumulated enough to become wealthy, like me. Once you have some money, you tend to get lazy and stop working as hard. The rich and powerful wouldn't agree to this, so they introduced commercial housing. The price of these houses is set to match the 30-year salary of an average couple, depleting their savings just right. They also provide an irrefutable reason: essential needs, such as marriage, children's education, and healthcare.

They use marketing to promote modern, decorated apartments as a new lifestyle. They buy houses at low prices first and then encourage the poor with some savings to buy them. If you don't buy, they will artificially inflate the housing prices, creating a myth of wealth through property. The poor with some savings will then promote this idea within their community, bringing more poor people into the market. Once the prices reach a peak, those without savings will watch helplessly as this happens.

At this point, the "kind" banks appear, offering free loan services. They help you deplete your savings over decades to buy high-value houses. In the end, to further deplete the savings of the poor, they reduce down payments to zero, offering free entry and other incentives.

When almost everyone has emptied their pockets to buy these houses, the rich will suddenly sell off their properties, causing a sharp drop in housing prices. This makes it impossible for the poor to resell their houses at the original prices. Commercial housing then becomes truly essential housing.

You might wonder, don't the rich fear that the poor won't pay back their loans? The rich don't care. They only care that the poor and their descendants remain poor for generations.

So, do you understand why there are so many people teaching you how to spend money but not how to earn it? Of course, those who teach you to earn money are also doing it to make money from you. It's up to you to decide if it's worth it. If you spend money to gain experience, buy learning materials, and improve your skills, I fully support it. But if you spend money on vanity, buying luxury cars and homes beyond your means, rather than investing in yourself to become better and wealthier, you will surely regret it later.

I've been through this. If I hadn't been so extravagant in the past, I would probably be retired now.
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