For ordinary people, there are six hurdles on the road to wealth accumulation: saving 10,000, 100,000, and 300,000 are three small hurdles, while 1,000,000, 3,000,000, and 30,000,000 are three big hurdles.

Very few people can manage to save 10,000 without changing their phone, 100,000 without buying a car, 300,000 without investing, 1,000,000 without lending money, 3,000,000 without getting into trouble, and not losing money when they have over 30,000,000. Especially in the current special economic period, many people become increasingly anxious when they earn less, and instead, they end up losing money faster.

Many people do not understand that the core of wealth is preservation, not speculation. You can win 100 times in gambling, but if you lose once, you will lose everything. Therefore, knowing how to preserve wealth is the first step in learning financial management.

Many people, when they have a little money, think about spending it. When they see something within their reach, they eagerly want to experience the joy of spending. Whether the item they are buying is necessary is no longer considered. They insist on spending spare money on trivial things.

When they save 10,000, they want to change their phone; when they save 100,000, they want to buy a spicy fish head to shield themselves from the wind and rain; when they save 300,000, they want to buy an entry-level BBA or invest in funds and stocks as assets. Once they save 1,000,000, people suddenly start asking to borrow money from them; when they save 3,000,000, they begin to indulge. They either get involved in matters of the lower body or engage in various social circles. When they save 30,000,000, a big brother will actively want to take them to make big money, with annual returns calculated in multiples, only to eventually discover it was a big pit.

Therefore, ordinary people must understand that it is not about not spending money or not investing, but about not spending when they can avoid it and not investing in what they do not understand. When they just begin to comprehend, they should hold back; money that is not spent is still money, and once money is spent, it may not be what it was before. Those who have the ability to make big money and those who have the chance to earn big money are in the minority; the probability of success relies more on interest rather than gambling. Thus, for most ordinary people, wealth accumulation relies on preservation, creating increments on the premise of safeguarding the existing amount.