The financial ladder for achieving 'lying flat freedom', with different deposit levels corresponding to differentiated life possibilities. Here is a practical financial security reference table:

1. Thousand Level (1000 yuan) - Weak emergency capacity

2. Ten Thousand Level (7000-15,000) - Basic living buffer

3. Fifty Thousand Level - Able to cope with small emergencies

4. One Hundred Thousand Level - Obtaining short-term life choice rights

5. Three Hundred Thousand Level - Basic living for 1-2 years in low-cost areas

6. Five Hundred Thousand Level - Comfortable life in lower-tier cities for 2-3 years

7. Million Level - Obtaining 3-5 years of living security through financial management

8. Two Hundred Thousand Level - Possibility of asset allocation

9. Five Million Level - Achieve life freedom in most cities

10. Ten Million Level - Achieve complete financial freedom

This ladder reveals a reality: true 'lying flat' freedom is not about stopping work, but about gaining life choices through financial planning. Each level represents different risk tolerance and quality of life.

It is worth noting that:

Regional differences are significant (cost differences between first-tier and third- or fourth-tier cities can reach 3-5 times)

Financial management ability significantly affects the efficiency of fund usage

Medical insurance is an important variable

Passive income channels are more important than the absolute value of savings

What stage is your current financial situation in? To achieve the ideal 'selective lying flat', are you more focused on asset accumulation or consumption downgrade? Feel free to share your financial freedom plan.