1 — Let me be clear upfront: I do not recommend that readers who have followed Master Chi for less than a year make any decisions based on this article.
Unless you already have substantial experience in wealth planning and capital management, you will almost certainly be unable to fully grasp what is written here — let alone translate it into effective action.
Don’t rush. Many things require a long process of learning before you can develop genuine real-world capability.
If your answer is invest and manage your money — sorry, wrong.
If your answer is treat yourself and spend freely — sorry, wrong again.
Let me be direct with you: after you earn your first pot of gold, the single most important thing you should do is hire a reliable, trustworthy domestic helper at a reasonable rate — someone you can fully entrust with your home.
When I say “domestic helper,” I don’t mean an occasional cleaner or hourly worker. I mean someone who takes over everything: all the household chores, caring for other family members, preparing meals, picking up the kids — a true “quasi-family member” who shoulders the full weight of daily life at home.
Note: Before reading further, take a moment to scroll through the wallpapers at the top of this post. If one of them catches your eye and resonates with you in an instant — trust that feeling. That is the image that fits where you are right now, and what your heart needs most.
You should know: in today’s world, choosing the right avatar and wallpaper for yourself matters far more than most people realize. It may seem like just a picture, but an image that truly matches your current state, your life pattern (格局), and your inner mindset can be a remarkably powerful catalyst for positive psychological suggestion and the gathering of positive energy.
Seeing a food influencer recently get scammed out of their investment money, I figured I’d share some street-level wisdom for everyone to learn from.
1 — In today’s world, never go into business with someone you don’t know inside and out. Anyone can craft a persona through careful social positioning in a short amount of time.
When I, Master Chi, do business, I only ever work with people I’ve genuinely known for at least three to five years — people whose business history I know clearly.
This afternoon, over tea with a friend, I arrived at this conclusion: In your lifetime, you must experience poverty at least once — because only when you’ve truly hit rock bottom, with nothing left, will you understand just how terrifying it is to have empty pockets.
The people around you will reveal their coldest, most unvarnished selves. You’ll discover that in their eyes, you are utterly worthless — and you’ll find yourself powerless to do anything about it, unable to move a single step forward.
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.
I have a deep aversion to shortcuts.
The reason is simple. From the time my father’s generation built their fortune, through every storm and reversal I’ve weathered in my own life, and having watched countless figures rise and fall across this world — my most profound conviction is this: real, lasting wealth is never built through cunning tricks or opportunistic schemes. It is built through the most literal meaning of returning to simplicity. The greatest path is always the plainest.
Today, two rather significant things happened — one concerning world affairs, the other concerning life itself.
The world affairs: Zelensky’s heated confrontation with Trump and his Vice President Vance during their White House meeting.
My own view? “Neither here nor there.”
Because from the highest macro perspective, human civilization has now entered a new phase of global realignment and consolidation.
Going forward, barring any dramatic wildcards, the world chessboard will have only two and a half players left who truly qualify as players.
Let me share a realization that came to Master Chi in a flash of insight at 30,000 feet in the air:
If a person reaches their thirties or forties, and neither their family of origin nor themselves has ever truly known real wealth — and yet they still fantasize that someday luck will hand them easy windfalls, freedom, comfort, ease, and the luxury of doing nothing — then that person’s life is destined to get worse and worse, until it completely collapses.
A brief essay, written on the way home after a dinner gathering. I hope you find something in it that resonates.
The core logic of getting rich is not hard work and exhaustion — it’s having your efforts seen and recognized, while connecting them to a venture that actually matters.
The core logic of a career is not clocking in and showing up — it’s building credentials and background, and integrating yourself as quickly as possible into the inner circle of reliable, influential figures.