Not buying a house, not buying a car, not getting married—on the surface, it appears to be "lying flat," but in reality, it is an extreme rational resource reallocation strategy.
In the current environment in China:
Buying a house is equivalent to mortgaging your cash flow for the next 20-30 years to the bank in exchange for an asset (most likely diluted in the future by inflation and policies). Buying a car requires considering that it is a depreciating consumption asset, as well as the time cost involved. Getting married requires a certain economic foundation, especially in an environment with high divorce rates and unfavorable property division.
Save these money and energy, and invest in:
Self-education (skills, cognition) High-risk, high-reward assets (stocks, cryptocurrencies, startups) Experiences and relationships (travel, deep interests, quality social interactions)
This approach indeed makes nonlinear breakthroughs easier to achieve. But it’s also important to see the other side:
This is a "minority route." Most people who follow the "Three No's" ultimately only reduce living costs but do not transform the saved resources into productivity, and end up still feeling anxious. In the long run, completely detaching from the traditional system (property, family) may also bring new risks: weakened ability to resist macro risks (inflation, healthcare, retirement), and a lack of emotional support.
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Not buying a house, not buying a car, not getting married—on the surface, it appears to be "lying flat," but in reality, it is an extreme rational resource reallocation strategy.
In the current environment in China:
Buying a house is equivalent to mortgaging your cash flow for the next 20-30 years to the bank in exchange for an asset (most likely diluted in the future by inflation and policies).
Buying a car requires considering that it is a depreciating consumption asset, as well as the time cost involved.
Getting married requires a certain economic foundation, especially in an environment with high divorce rates and unfavorable property division.
Save these money and energy, and invest in:
Self-education (skills, cognition)
High-risk, high-reward assets (stocks, cryptocurrencies, startups)
Experiences and relationships (travel, deep interests, quality social interactions)
This approach indeed makes nonlinear breakthroughs easier to achieve.
But it’s also important to see the other side:
This is a "minority route." Most people who follow the "Three No's" ultimately only reduce living costs but do not transform the saved resources into productivity, and end up still feeling anxious.
In the long run, completely detaching from the traditional system (property, family) may also bring new risks: weakened ability to resist macro risks (inflation, healthcare, retirement), and a lack of emotional support.