Want to get rich? Remember these 10 top rules:

• The 72 Rule: 72 divided by the annual return rate = years to double your assets (e.g., 8% takes 9 years).
• The 4% Rule: Withdraw only 4% of your total assets each year after retirement; history proves this is sustainable for over 30 years.
• The 50/30/20 Rule: 50% essential expenses, 30% discretionary spending, 20% mandatory savings — the simplest budgeting method.
• The 100 Minus Age Rule: 100 minus your current age = percentage of stocks in your portfolio (70% stocks at age 30).
• The 10x Salary Rule: By age 60, your retirement savings should be 10 times your annual salary.
• The 3x Emergency Fund Rule: Keep 3 to 6 months’ worth of living expenses in your account; it can save your life in critical moments.
• The 1% Home Maintenance Rule: Save 1% of your home’s value annually for repairs and maintenance.
• The 28% Mortgage Rule: Your monthly mortgage payment should never exceed 28% of your total income; don’t be tempted by the bank’s maximum limit.
• The 1000 Rule: With a 4% return rate, to earn 1,000 yuan passive income per month, you need to save 300,000 yuan principal.
• Pay Yourself First: Make savings a priority on payday before spending the rest; reversing this order will never help you save enough.
Save these rules and share them with friends who need them.