If you have recently been anxious, stressed, or feeling that making money is difficult, why not spend a few minutes reading this article? It might help you clarify your thoughts and find some easy ways out.

A million yuan in cash spending 4,200 yuan per month would take 20 years to spend completely.
And a million yuan mortgage paying the same 4,200 yuan per month would take a full 30 years.
With a bank annual interest rate of 1.5%, a million yuan in savings earns 15k yuan in interest per year, totaling 450k yuan over 30 years.
Renting a house for 1,500 yuan per month, relying solely on interest from savings, can cover a lifetime of rent—free housing for life, and the original 1 million yuan principal still belongs entirely to you.
In contrast, buying a house with a 1 million yuan mortgage over 30 years, including principal and interest, would total 1.54 million yuan, with interest alone costing an extra 540k yuan.
Renovating a house worth 1.4 million yuan with over 200,000 yuan, and repaying 300k yuan over six years of hard mortgage payments, now you can only sell it for at most 700k yuan, owing the bank 1.2 million yuan—debt keeps growing.
At this point, someone might object: but your premise is that you must first have 1 million yuan in savings. The logic is simple: without the confidence of assets worth a million, don’t force yourself to overextend to match a million-level lifestyle.
Over-consuming beyond your means, pretending to be extravagant—such blind and foolish choices—gold can’t fill your stomach, no matter how expensive, jewelry is just decoration with no practical use, and a million-dollar mansion and a rent of 1,500 yuan per month in a rental house keep warm and shield from the wind in winter.
Luxury cars worth several million yuan still have to stop at red lights and wait.
A luxury watch worth hundreds of thousands of yuan is just 24 hours a day.
The most precious things in the world are often free: the sunlight shining equally on everyone, fresh and rushing air that costs nothing, nourishing grains and cereals that are affordable and simple to sustain the body and mind.
In fact, the cost of survival and living is inherently very low.
Many people live exhausted and heavily in debt not because the cost of life is high, but because they are hijacked by vanity, false pride, and blind comparisons.
Let go of unnecessary desires.
Refuse to overextend, and rationally view buying a house, consumption, and life itself.
Only then can you lighten your burdens and live steadily and easily.
Do you agree?