Не покупать дом, не покупать машину, не вступать в брак — на поверхности это выглядит как "лежание", но на самом деле это переразделение ресурсов под влиянием экстремальной рациональности.

In the current Chinese environment:

Purchasing a house is equivalent to mortgaging your cash flow for the next 20-30 years to a bank in exchange for an asset (with a high probability of being diluted by inflation and policy)
Buying a car requires you to consider that it is a depreciating consumption asset, as well as the time cost you need to invest
Marriage requires a certain economic foundation, especially in an environment with high divorce rates and unfavorable property division.

By saving this money and energy, invest it in:

Self-education (skills, cognition)
High-risk, high-return assets (stocks, cryptocurrency, entrepreneurship)
Experiences and relationships (travel, deep interests, quality social connections)

It is indeed easier to achieve non-linear breakthroughs.

But we should also see the other side:

This is a "minority route". Most people who execute the "three nos" ultimately just lower their cost of living, but fail to convert the saved resources into productivity, and remain anxious in the end.
In the long term, completely disconnecting from traditional systems (real estate, family) may also bring new risks: weakened ability to resist macroeconomic risks (inflation, healthcare, retirement), lack of emotional support.