Friends with a monthly salary or income below 10,000 yuan actually have no need to mention gold or stocks. It’s meaningless. The best way to manage your finances at this stage is to skip dinner. Skipping dinner for a day, calculated at 20 yuan, amounts to over 7,000 yuan a year. Based on the current bank fixed deposit interest rate, you would need to deposit over 700,000 yuan to earn this kind of return. Starting today, skipping dinner is equivalent to depositing 700,000 yuan in the bank.

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