Student Question: Master, I’d like to understand how to grow personal wealth from an economics perspective.
Master Chi’s Response: Personal wealth primarily comes from two sources: wages and investment returns.
Wage income is determined by one’s output. A PhD, for example, might generate 100,000 yuan in output per year, while a programmer might generate 300,000. It naturally follows that the programmer earns several times more — and that is entirely as it should be.
【Student Question】 Hello Master. I have a question about investing in commercial storefronts in a newly developed community in Henan. These are standalone commercial units. Because the investment risk is high, the developer has opened up the storefronts and divided them into multiple small shares for sale — each unit priced at around 100,000 to 200,000 yuan. They come with a managed lease-back arrangement. Is this worth investing in?
Would converting one into a supermarket selling fresh produce and agricultural products reduce the risk?
Life is very much like sitting for an exam. Mediocre students rely on grinding through massive volumes of practice questions, building up a numb muscle memory, only to barely scrape by with a passable score.
But top students always pursue the one master trick that solves everything.
With the right master trick, you can tackle any difficult problem the way a hot knife cuts through lard — every challenge simply falls apart before you.
Student Question: Hello Master Chi, I currently own no property and carry no mortgage. I’m looking to buy my first home with a budget of around 5 million RMB, and I want to stay in Shenzhen. How should I approach this? Any advice?
Master Chi’s Response: Hello. In Shenzhen, 5 million can get you a first-home unit in the 70–90 square meter range, priced between 50,000 and 70,000 RMB per square meter.
The double-standards incident involving a certain auto brand has completely dominated the headlines these past few days — and everyone has seen the full story play out.
Honestly, I think this is a good thing. On one hand, it proves that our self-confidence and self-respect are gradually taking root. On the other hand, it shows that our sense of equality is slowly awakening.
Think about it: if this had happened ten years ago, it most likely would have barely caused a ripple. Back then, most people still tended to see preferential treatment for high-nosed, Western-looking foreigners as “not particularly strange.”
Today’s article — I sincerely hope that if you’re a parent, you’ll read it through to the end.
Not for your sake, but for your child’s.
Yesterday, a reader came to see me consumed with anxiety, specifically to have me read her child’s destiny chart (命盘).
Parents worrying about their children’s future is the most natural thing in the world — every parent wants their child to grow up safe and happy. But this particular mother left a deep impression on me.
Student Question: Master, hello. Many cities have introduced talent housing purchase policies for new residents — protecting genuine buyers, suppressing speculation, and ensuring that talented people have a place to live. But within roughly a year, these policies have already exited the stage of history. Why did the talent housing policy fail?
Master Chi’s Response: Shenzhen, as an innovation and reform pilot zone, was the first to launch an initial batch of talent housing priced at 60% of market value.
Student Question: Hello, Master. Does the Baihua district in Shenzhen still have investment value?
Master Chi’s Response: Hello. The Baihua district is quite small, and most buildings there are already 20 to 30 years old. Residential compounds in the area have virtually no parking — some high-rise buildings don’t even have underground garages. The properties are genuinely old, worn down, and irregularly shaped, with no bonus floor area included. That said, Baihua is home to several of Shenzhen’s well-known schools, including some excellent primary schools. And the area has subway station entrances practically everywhere you turn.
Student Question: Hello Master, I’m 32 years old. I have a journalism degree and work in real estate copywriting. Eight years in, my salary has grown from 3,000 to 15,000 RMB. But I’m unhappy at work, and the overtime is relentless.
I want to quit and go freelance — no more nine-to-five. My time would be entirely my own.
But I’m a little worried about what life will look like after that. I’d appreciate your guidance, Master.
I once said that by late March this year, a concentrated wave of favorable developments would arrive — but I truly didn’t expect this many significant events at once.
Let me string together a few examples. Those with sharp intuition will taste what’s beneath the surface.
Teacher Wu, after more than three years of wandering, has returned. Hainan has moved boldly to protect and nurture the private economy — the principle being: if arrest and prosecution can be avoided, avoid them. There are now harsh measures targeting those who maliciously damage business reputations and the public image of entrepreneurs.