I’ll offer one piece of advice: don’t easily borrow money you can’t repay, and you must never use borrowed funds in a gambling-style way to make investments (whether in the real economy or the financial markets), especially when opening a shop—because you can’t afford to lose. And you really can’t afford to lose.

Don’t say “ordinary people.” Many people around me who became rich in their first 30 years are now also left with nothing. There are two core reasons: first, they believe they can predict the future and control everything (often caused by not being able to distinguish the difference between luck and ability); second, they use leverage. But how many people actually admit they’re ordinary? Being able to see that you’re ordinary, and realizing that luck is the fundamental reason for getting rich—just that already isn’t simple. Life and death are decreed; wealth and honor are in the hands of Heaven.