These past few years, we have truly experienced more than our share of upheaval.
What comes next? Though we hold onto optimism, the path forward remains a mystery.
And so, I’m often asked by friends: should we seize this moment and take a bold plunge — in investments, startups, or business ventures?
My answer is unequivocal: when the weather keeps shifting between sun and storm, stay away from the open sea.
Never make the mistake of believing you are somehow special, somehow above it all. You must hold the forces of the broader environment — and the cyclical power of the age — in deep respect.
For the next few years, holding steady, adjusting gradually, and advancing with patience — this is the true “wealthy mindset” that reflects genuine wisdom.
I also have a handful of real, practical golden rules I’d like to share with you:
1. Discipline yourself to follow the principle of “saving gold and guarding wealth.” Hold tightly to every coin you’ve earned through hard work — don’t give free rein to compulsive spending that carves financial holes in your life.
I often remind those closest to me: “The next few years will be the best time to accumulate quality domestic assets — so never waste your wealth on consumer goods that offer no return.”
2. Never, under any circumstances, take on borrowed money, offer guarantees, pledge collateral, or make any high-risk investments. The ending will always, without exception, be a complete tragedy.
In bitter cold, there are far too many people whose only strategy is to trick you into handing over the firewood you’ve stored — just so they can heat their own home.
When you’ve saved money, guard it with the most basic, old-fashioned methods — like legitimate wealth management at a state-owned bank. Right now, simply not losing is what positions you to win later.
3. Hold onto your job. Even if it exhausts you, even if it disappoints you — as long as it puts food on your table right now, it qualifies as a good job in today’s environment.
If you want to change positions, be 100% certain the new opportunity will genuinely deliver better pay, resources, benefits, and treatment.
Otherwise, don’t make unnecessary moves. Staying steady is victory.
4. These days, temperatures have been dropping sharply, and many friends around me have come down with the flu. The shared sentiment is: “The body feels so much weaker than before — like your vital energy has taken a real hit.”
I feel this deeply myself, which is why we must take extra care to protect our own health and that of our families.
Remember this: a poor but healthy beggar is happier than a wealthy but gravely ill tycoon.
Let me reinforce a core truth: at our level of understanding, physical health is the “primary asset” that supersedes everything else.
Only a healthy, strong body provides the energy reserves needed to create greater wealth and resources. Conversely, once your health collapses, no matter how formidable your abilities, you won’t be able to deploy them.
5. Don’t let the “extreme pessimism and negativity” of year-end infect you and trap you in a prolonged state of dejection and listlessness.
Remember: there are always tragedies playing out in this world — and the sun always rises the next morning. Learn to keep your own Chi field (energy aura) warm and bright at all times.
I’m not asking you to pump yourself up with forced enthusiasm all day. But no matter how difficult yesterday was, when you wake up tomorrow, simply go back to doing what’s in front of you — with care and focus.
Fill your life with the things that matter: reading, exercise, your work, your family.
6. Treat your family relationships as your most important network — something to be actively maintained and nurtured.
There’s a line from The Godfather that I’ve always admired: A man who doesn’t spend time with his family can never be a real man.
In my view: an adult who neglects their family is simply not a fully realized adult.
A warm family environment is, without question, the most powerful source of happiness in this world. Your stress, your exhaustion, your setbacks — all of it can be dissolved at home, and you emerge recharged.
So in this era when no one has it easy, take the initiative to show your family you care. Laugh a little, find the small joys of daily life. Watch your words — never speak harshly — and offer your family encouragement and genuine recognition.
7. My own daily schedule is remarkably clean and simple.
From the moment I wake: four hours of deep work — a simple lunch and a brief social media check — another four hours of deep work — exercise — dinner — time with family — two hours of reading — sleep.
Day after day, the same cycle. And within each time block, complete focus — never divided.
The results speak for themselves. No matter how difficult the problem, this way of living chips away at it, steadily and relentlessly.
Over the years, as I’ve analyzed people’s life patterns (格局), I’ve noticed that many readers share one common, fatal flaw: a disordered life state.
They live in constant anxiety, yet cope with it through avoidance and aimlessness. The result? Root problems go unresolved, and their emotional state continues to deteriorate.
Here’s a personal conviction I want to leave with you: every challenge in human existence will eventually be resolved — if you direct your full, sustained attention toward it.
What’s truly dangerous is fearing the problem while being unable to concentrate your mental energy on it. That combination is devastating.
Especially in today’s world, your capacity for deep, unwavering focus is more important than almost anything else.
8. Over the years, I’m sure you’ve witnessed many people around you fall apart.
But if you observe carefully, you’ll find that every tragedy is simply a rerun of the same script:
It begins with years of complacency and comfort-seeking — the slow erosion of capability and patience, and the quiet germination of delusion.
Then comes temptation — the overreach, the reckless gamble.
Then the first failure triggers emotional collapse, and one misstep leads to another.
Until finally, everything is consumed — wealth gone, family broken.
This script is being replayed on every street and at every level of society, and the trend is only accelerating.
So let me close with this:
Living a life that prospers and rises was never complicated.
All it requires is that you take your work seriously, continuously deepen your expertise and expand your skills, refuse to be led astray by temptation, accumulate patiently and steadily, build your wealth layer by layer — and never squander it.
Beyond that: treat a good-hearted partner with genuine warmth. Work together. Build your home gradually, through effort and understanding.
A few years from now, when you look back, you’ll find that you’ve quietly built something genuinely substantial — a real foundation.
From there, as long as you keep greed and desire from pulling you off course, the road ahead is open.
Now, that’s the broader picture. When I conduct a formal destiny framework (格局) analysis, what I focus on are the critical hidden details.
Many readers, for instance, have no idea what their actual life pattern is — or which career path is truly suited to them.
They don’t know where their wealth fortune (财运) lies, or who their noble benefactors (贵人, Gui Ren) are. They don’t know which petty adversaries and troubles to avoid.
But once you can see these things clearly, life naturally becomes far smoother and more comfortable. Wealth, career, and marriage all fall into place with much less friction.
There is, however, one prerequisite: I have never been particularly encouraging of readers whose character is too fragile to hear straight talk.
I speak directly. I never soften my words simply because you are a reader.
What I care about is simple: How should your life actually unfold? What fatal mistakes have you been making? What wealth fortune and noble benefactors can you still capture going forward?
And what must you change about yourself? I will tell you directly, clearly, with concrete solutions.
I don’t care whether it’s comfortable to hear. What I care about is that years from now, you’ll be grateful for the decision you made tonight.
That is my responsibility.