Some of you carry a misconception — that the lives of billionaires, celebrities, influencers, and the ultra-wealthy must be endlessly comfortable and carefree.
To be honest with you: of the wealthy and famous people Master Chi has personally known — and we’re talking 99.99% of them — the daily pressure they carry is sky-high. Every single day, every single hour, there are very specific problems that need to be handled and solved.
And alongside those problems comes a constant swirl of anxiety and restlessness. Genuine peace of mind — the kind that lets you sit back and simply enjoy your wealth — is almost nowhere to be found among them.
The ones whose quality of life is genuinely higher tend to be their family members. The spouse, the kids — their days are indeed comfortable. But perhaps because of the principle that what is full will overflow, things eventually unravel. Heaven has a way of arranging circumstances that make them pay a price.
The higher you climb, the more you come to believe in fate (命理). That’s because you start seeing karmic cause and effect, karmic retribution, and karmic obstacles (业障) play out right before your eyes — up close, in vivid, concrete detail.
So having reached the age and level of understanding I’m at now, I find myself more and more convinced that something Mr. Ma once said rings absolutely true: the person earning twenty to thirty thousand a month has the happiest life of all.
Think about that carefully, because it deserves nuance. For most ordinary people, a monthly income of twenty or thirty thousand yuan is not easy to reach — but it’s a number that’s at least within reach if you’re willing to put in the work.
Fall below that number, and you’ll naturally be anxious about money. But climb significantly above it, and the pressures and complications multiply in kind — until they spiral beyond your control.
Last year, due to something that happened with a friend, I had a chance to chat casually with several experts who have done serious research in the field of psychiatry. One striking pattern they described: the more ordinary and unremarkable a person’s life, the more psychologically healthy they tend to be. Yes, they have some stress — but their inner world doesn’t collapse or twist.
Once someone’s annual income crosses five hundred thousand yuan — or brushes up against a million — virtually none of them are in genuinely sound psychological health. Anxiety, depression, panic disorder — these symptoms are practically universal among that group.
Insomnia becomes common. Breathing feels labored. You get that sensation of something pressing down on your chest, squeezing your heart.
Now — Master Chi is not telling you to stop striving. We’re all in our prime, we’re all the backbone of our families, and not putting in effort simply isn’t realistic.
But let things unfold naturally. Don’t set yourself a distant, enormous goal and then sink into despair every time it feels out of reach.
Instead, set yourself several small, positive daily goals — reading, exercise, developing your professional skills, picking up a small craft or ability that genuinely interests you.
Stay consistent. Let it accumulate. After a year or two, you’ll naturally look back and see how far you’ve come.
At that point, with a stronger foundation beneath you, pursuing those bigger goals becomes far less of a struggle.
This is the same logic I’ve practiced when reading destiny frameworks (格局) over these past several years: I lay out the broad direction of your career, wealth fortune (财运), noble benefactors (贵人), and true romantic partnership from your destiny chart — but I also walk through the smaller milestones along the way, step by step.
That way, your mindset stays comfortable, your thinking stays clear, and your Chi fortune (气运) flows naturally well.