| / | Financial Freedom | Health Strong Body | Travel Around the World | Do the Best at Work | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Year / Age | Income Growth | Large Expenses | Debt Ratio | Diseases | Weight | BFP | In Mainland | Oversea | Teams | Performance | Level |
| 2011 / 19 | / | / | 0% | / | / | / | / | ||||
| 2012 / 20 | 20% | / | 0% | / | 1 | / | / | / | |||
| 2013 / 21 | 33% | / | 0% | / | 5 | / | / | ||||
| 2014 / 22 | 50% | / | 0% | 0 | / | 2 | / | Top 40% | MOGU-A2 | ||
| 2015 / 23 | 50% | / | 0% | 1 | 147 | / | 1 | 🇸🇬 | 5 | Top 40% | A2 |
| 2016 / 24 | 33% | 🚗 🏠 | ≈70% | 2 | 141 | / | 2 | 🇻🇳🇯🇵TW | 5 | Top 30% | A2-A3 |
| 2017 / 25 | 108% | 🏠 | ≈90% | 2 | 145 | / | 🇯🇵 | 10 | Top 30% | A3-B1 | |
| 2018 / 26 | 10% | 🚧 | ≈80% | 2 | 146 | / | 8 | 20 | Top 40% | B1 | |
| 2019 / 27 | 7% | 🚧 🅿️ | ≈70% | 3 | 140 | / | 2 | 🇹🇭🇭🇰🇲🇾 | 10 | Top 40% | Mybank-P8 |
| 2020 / 28 | 26% | / | 43% | 3 | 155 | / | 6 | 🇹🇭 | 10 | Top 40% | P8 |
| 2021 / 29 | 26% | 🏠 | 40% | 3 | 160 | / | 1 | 15 | Top 30% | P8 | |
| 2022 / 30 | 35% | 🚗 🚗 | 36% | 3 | 150 | / | 5 | 0 | 30 | Top 30% | P8 |
| 2023 / 31 | 23% | 👫 | 20% | 3 | 156 | / | 4 | 🇰🇷 | 5 | Top 30% | Alipay-P8 |
| 2024 / 32 | 12% | 🏦 | 0% | 2 | 161 | / | 9 | 🇹🇭 | 10 | Top 40% | P8-P9 |
| 2025 / 33 | >24% | =/ | =0% | =0 | <140 | <20% | =3 | =🇯🇵🇰🇷🇺🇸 | =20 | P9 | |
| 2027 / 35 | / | / | 2000w | Perfect | 140 | 10% | China | / | / | / | CEO |
Invest your time, energy, and money for the long run. Keep reflecting, interacting, and improving. Focus on long-term progress — and you’ll gradually become the person you aspire to be.
💼 Do the Best at Work
Goal: Enhance professional skills, accumulate initial wealth, and prepare for your own business.
Principles:
- Choose growth opportunities: Join high-growth industries and strong teams (e.g., Rapid salary growth / IPO)
- Find long-term motivation: Align work with personal interests and passion (e.g., Burn the midnight oil 2Y)
- Build personal strengths: Leverage technical differentiators to stand out among peers (e.g., Developer)
- Be reliable and trustworthy: Be detail-oriented, accountable, and never make the same mistake twice
- Earn peer recognition: Proactively help colleagues (e.g., Peer → Subordinate)
- Earn manager recognition: Take initiative beyond your job scope; treat your boss as your client (e.g., 2 Boss)
- Solve pain points: Identify overlooked problems and commit to solving them (e.g., GSIL)
- Aim higher: Set ambitious goals–at worst, you’ll still hit average targets (e.g., RASP)
- Reflect and improve: Build a “digital knowledge garden” (e.g., SIG)
- Advance to the next stage: Evaluate role fit and growth (e.g., no promotion after 4ys)
- Choose early retirement: Life is more than work–you have the right to choose not to work
💰 Financial Freedom
Goal: Stop trading time for money. Gain freedom of time and choice. Live a rich and meaningful life.
Principles:
- Zero Debt-to-Asset Ratio
- Control spending: Spend based on real needs; limit large expenses; help in emergencies, not chronic struggles
- Distinguish needs from desires: Live for yourself. Avoid buying things to signal status (e.g., luxury goods, high-end consumption)
- Avoid major expenses at market peaks (e.g., overpriced real estate)
- Don’t lend money you can’t afford to lose–especially to those unlikely to repay (e.g., family)
- Invest for growth: [Stock Market] Use appropriate capital to buy great companies at low prices and hold long-term (e.g., HK IPOs, Tesla)
- Only use money you won’t need urgently (e.g., avoid forced sales)
- The world is not falling apart–and if it truly does, cash won’t help anyway (e.g., don’t panic sell during crashes)
- Invest for growth: [IPO Subscription] During IPO bull phases, use multiple accounts to go all-in on high-growth sector leaders; sell immediately in the grey market.
🏃 Health&Strong Body
Goal: Your body is the foundation of everything. Obesity is the root of many diseases. Losing weight is the best medicine. Don’t let your money outlive you.
Principles:
- Configure insurance: Combine public health insurance with private supplemental coverage to minimize out-of-pocket medical costs.
- Control intake: Strictly limit sugar, salt, and calories. No late-night snacks or binge eating. Wasting food is not saving money.
- Increase physical activity: Change daily routines. Avoid prolonged sitting. Do HIIT workouts regularly.