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’m thinking about investing in building a thriving restaurant storefront, then recruiting paying students — that’s the business model. What’s your take on it? Is it still worth pursuing?
Some friends around me who are doing well have already brought on dozens of franchisees. My own early-stage losses have been quite significant, and I’m losing confidence. Should I hold onto what I’ve already built, or look for an investor to partner with?
【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?
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.
Student Question
I’m currently in Suzhou and in the process of a home exchange (my current home has already been sold). I’m looking for a property in the 4–5 million RMB range that can serve three purposes: personal residence, supporting my child’s education (currently in kindergarten), and investment (hoping the value holds so it’s easy to sell later). I’m currently comparing three options: Suzhou Science and Technology City, Wuzhong Taihu New Town, and older/smaller units in Shishan — though my husband may not accept the last option, as we have differing opinions on it.
I know full well that neither my destiny chart (命盘) readings nor my knowledge community are accessible to young people from ordinary families. The consultation fee speaks for itself — the vast majority of people who seek me out are adults who have already achieved some measure of success in life. But this also means I’ve been unable to help the many readers still mired in mediocrity.
Well then. Let me write something that distills everything I know.
Student Question
Hello, Master Chi. There’s a beautiful female PhD in someone’s circle. She has modest career success, comes from a good family, and achieved basic financial independence in her thirties. She knows it’s hard to find a partner who meets all her standards — and she has no interest in legally registering a marriage with a man and sharing her wealth. After all, for wealthy people, marriage is the most expensive thing. It’s an investment, and if it goes wrong, it shrinks your assets.
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.
When I was just starting out, I had none of the experience I carry today. I hadn’t sought out masters at the heights of their fields, hadn’t yet served the elite households of true wealth and influence. And so, like many, I mistakenly believed that breaking through in life came down to one word: hustle.
But after reading an enormous volume of destiny charts (命盘) at the highest levels, I came to a sobering realization: grinding blindly, fighting stupidly, charging ahead without direction — these don’t just accomplish nothing. They drain you of the very energy you can least afford to waste. In the end, all you’ve done is moved yourself emotionally. No real progress. Nothing of substance. Truly absurd.