As of August 13, 2026, my savings have already exceeded 1 million. From 2018, after graduating with a master’s degree, to now—I’ve been working for more than seven years. From 2018.7 to 2021.7, I worked in Beijing the whole time; I remember it very clearly. My first job paid 3,800 per month. Later I switched jobs and my salary rose to 6,500. Then I went to a listed company, and my salary increased to 8,000.
In August 2021, I left Beijing. At that time I only had 47,000 yuan in hand—pretty ridiculous, right? After working for so many years, I’d saved so little. My dad bought a car and my father-in-law put in 40,000; I ended up with just 7,000 yuan, and I boldly went to Shanghai.
From 2021.8 to now, it has been four years and nine months since I moved from Beijing to Shanghai. When I first came, my pre-tax salary was 12k. At the end of 2023, the healthcare industry as a whole cut salaries, and my salary dropped to 9,000. Over these years, I’ve been extremely frugal and saved more than 400,000. On top of that, I also invested along with a very good friend (US stocks, funds, government bonds, gold, and so on). My deposits finally broke 100.
Honestly, it’s been tough. How do I put it? Human desire is endless. Once you have one million, you want three hundred million, five hundred million. And who I am now is exactly that—especially, extremely stingy. I don’t want to spend a single cent.
I don’t drink milk tea anymore. Every day I just buy groceries and cook at home, and I don’t buy clothes. Even my previous clothes are still wearable. I’ve got more than 50 grams of gold saved. At first I even thought about buying a house, but now I don’t want to buy one. I’ll just rent and live.
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In August 2021, I left Beijing. At that time I only had 47,000 yuan in hand—pretty ridiculous, right? After working for so many years, I’d saved so little. My dad bought a car and my father-in-law put in 40,000; I ended up with just 7,000 yuan, and I boldly went to Shanghai.
From 2021.8 to now, it has been four years and nine months since I moved from Beijing to Shanghai. When I first came, my pre-tax salary was 12k. At the end of 2023, the healthcare industry as a whole cut salaries, and my salary dropped to 9,000. Over these years, I’ve been extremely frugal and saved more than 400,000. On top of that, I also invested along with a very good friend (US stocks, funds, government bonds, gold, and so on). My deposits finally broke 100.
Honestly, it’s been tough. How do I put it? Human desire is endless. Once you have one million, you want three hundred million, five hundred million. And who I am now is exactly that—especially, extremely stingy. I don’t want to spend a single cent.
I don’t drink milk tea anymore. Every day I just buy groceries and cook at home, and I don’t buy clothes. Even my previous clothes are still wearable. I’ve got more than 50 grams of gold saved. At first I even thought about buying a house, but now I don’t want to buy one. I’ll just rent and live.
$BTC $BTC
