What is the memory dividend? It is a compound interest algorithm related to life experiences. We try to be in our most perceptive and physically vigorous twenties, crossing the boundaries of mediocrity as much as possible, and personally experiencing those peaks and distant places that others dare not easily venture into. The significance of this "early experience" is not only in the immediate pleasure but also in storing a rich emotional asset for your future self. Because a profound experience will be repeatedly retrieved, reminisced, and shared over the next few decades, becoming a psychological anchor to withstand the wear of time. Rather than saying we are spending time, it’s more like investing for the rest of our lives—those courage and insights accumulated in youth will eventually transform into inexhaustible dividends, enabling you to always have the ability to reignite your passion during the long years ahead.