My consistent belief is that big money is not saved up, nor is it accumulated through stable annual income.

If you rely on saving, you can save tens of thousands a year; if you rely on salary savings, even if both partners are in stable jobs, and you bring home 300,000 a year with household expenses of 200,000, you can only save 100,000.

However, when the opportunity arises, you can make a lot; before 2021, flipping houses made it easy to earn hundreds of thousands or even millions in a year. In the past two years, investing in gold or Bitcoin, with a bit of courage, can also yield a million a year. Or you could start a small entrepreneurial project that happens to hit the right trend in a year or two, earning a million in two years would be quite comfortable.

Therefore, I still believe in that saying: small money is saved, big money is earned through risk.