1 — Don’t be afraid to start from scratch.
Don’t be afraid to begin from zero. And don’t tell yourself that since you’ll never earn nine or ten figures anyway, you might as well give up and coast. That mindset will only push your wealth fortune into steady decline — until by middle and late age, you’ve lost your chance to command real wealth entirely.
Tell yourself this: the truly great wealth-builders all rose from nothing. Most of them didn’t break through until their thirties or forties. You still have plenty of time.
From there, learn to dedicate yourself completely to your own development. Eliminate every negative distraction you can. Take meticulous care of every single cent you earn.
Don’t fear losing money. Don’t fear mistakes. But absolutely fear laziness and carelessness. As long as you can turn every few-hundred or few-thousand yuan loss into a real lesson, you will naturally build stronger and stronger money-making ability over time.
2 — Making money is a craft unlike any other.
It has nothing to do with everything you learned in school. Even if you scored perfect marks in every subject and aced every university course, none of that has any bearing on your ability to earn. This is exactly why some self-made tycoons and nouveau riche with little formal education can still completely out-earn you.
The first and most essential foundation for building greater wealth is one word: dare.
Dare to try. Dare to fail. Dare to review. Dare to start over. Dare to focus.
Remember this: real wealth is always buried in filthy, grimy mud. Those who are willing to bend down and dig for it have already surpassed countless people in this world.
3 — I, Master Chi, have read the destiny charts (BaZi) of countless people.
And what I’ve found is this: the core condition for building great wealth is experience first, clarity second.
What this means is — you must first go through certain experiences that drive this truth home: “In this world, I truly cannot survive without money. I must push hard to earn it, within legal and ethical bounds. This is the absolute priority of my youth and middle years.”
Only once that truth has landed will you begin to rack your brain, turning every situation and every relationship in your life into an opportunity for mutual benefit and shared gain.
At first you will be clumsy, and you will fail. But gradually you become more seasoned, more practical, more precise — and the path to wealth opens up.
4 — Preserving wealth, on the other hand, is simple.
Take one line from me, Master Chi: never take on leverage, debt, or guarantees. Always use only the money you’ve already earned, and build it up brick by brick, cent by cent.
Going slowly, it turns out, is the most stable, the most grounded, and ultimately the fastest approach.
Slowly build your holdings in companies with strong moats, high profitability, and market leadership.
Slowly acquire property in cities that are commercially vibrant, geographically well-positioned, and stably developing.
Don’t listen to the schemes of those with nothing to show. Just keep accumulating, steadily.
After five years, the difference begins to show. After ten, the gap opens wide. After fifteen, the divide is complete. After twenty years, you will be the dream they spend their whole lives chasing — and never catch.
In the quiet of the night, they will curse themselves bitterly for not having built steadily, the way you did.
May you take this to heart.