The topic of “how ordinary people can accumulate tens of millions in assets” has been blazing hot lately. Open any platform and you’ll find crowds frantically debating it.
To stay current, I spent last night reading through the top takes on this topic — and the more I read, the more my brow furrowed.
The reason is simple: nearly every one of those seemingly well-reasoned articles was written by people who neither possess tens of millions in assets themselves, nor have any real experience operating in capital circles.
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?
I like to get straight to the point. This article is written specifically for women who started with nothing — women poised to rise against the odds.
The more ordinary your birth, the more impoverished your family of origin, the more this article can do for you.
Those of you who have followed me for a while know the depth of my work in destiny reading (命理), so when I say this, I have my reasons.
【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
Master, I want to make money through self-media as a side hustle, but I never know what to write about. Do you need a massive following to monetize? What are the key things to watch out for?
Master Chi’s Response
Part One
Most people dream of becoming a top influencer — a massive following, more influence, easier money. What they don’t realize is that platforms are quietly working against those very people. They deliberately fragment the traffic.
I can say this with full responsibility: the vast majority of mediocre and poor people have no concept of a force that exists in this world called “accumulation.”
And precisely because they don’t understand it, they spend their entire lives chasing fleeting opportunities.
The result? They don’t catch a single one — and they’ve wasted the best years of their life in the process.
A truly smart person, even starting from absolute zero with nothing to their name, will from the very beginning choose a city that suits them — and commit to that city as their primary battleground for the next decade without wavering.
Student Question
Hello, Master Chi. I’ve partnered with others to run a group-buying platform. External competition is fierce, and we have no significant edge in product selection, pricing, or operations. I also feel that what we’re doing doesn’t offer much real value — it’s essentially profiting from information asymmetry, plus we run a three-tier distribution system. Operating costs are high on top of that.
I’m wondering whether, in the long run, I should abandon the current platform and instead build a personal brand — selling products from other platforms myself. I feel my judgment and sales ability are decent enough to make that work.
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.
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.”