What does 1M yuan in savings actually mean?
Saving $530/month = 21 years to hit 1M yuan.
Yet people take 1M yuan mortgages without blinking.
Flip the script:
DCA $530/month into $NDAQ
12% annualized (historical avg)
21 years = ~3M yuan in gains
Total bag: 4M yuan
Debt vs. compounding.
Which path you taking?
Saving $530/month = 21 years to hit 1M yuan.
Yet people take 1M yuan mortgages without blinking.
Flip the script:
DCA $530/month into $NDAQ
12% annualized (historical avg)
21 years = ~3M yuan in gains
Total bag: 4M yuan
Debt vs. compounding.
Which path you taking?