Everyone should have at least some concept of money. The reality is that earning more than 10,000 yuan per month already puts you ahead of most people across the country. A dowry of 100,000 yuan is a huge sum—enough to crush an ordinary family. A mortgage of 1,000,000 yuan may require you to spend most of your life bearing it—without getting sick, without quitting your job, and just hardening through it to the end. Online loans of 200,000 to 300,000 yuan can also drain your future; once they start rolling over and compounding, ordinary people may never be able to turn their lives around in an entire lifetime.