2026-01-15 11:40:43

People earning less than 10,000 yuan a month actually don't need to spend all day discussing gold and stocks—it's basically just armchair strategizing.

What is the most practical financial management method at this income level? Control expenses. For example, saving 20 yuan on dinner every night adds up to 7,000 yuan a year. Based on current bank fixed deposit rates, you'd need to deposit 700,000 yuan to generate the same annual income.

Looking at it from another perspective: sticking to the habit of skipping dinner is equivalent to having an additional 700,000 yuan in fixed deposits. This isn't some advanced financial technique; it's the simplest math—every penny saved is real, tangible income.

At low income levels, increasing income is difficult; cutting expenses is the key.

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ChainSpy

· 01-18 11:34

The logic of saving money by skipping dinner... sounds like self-torture finance haha

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AirdropCollector

· 01-18 05:48

The logic of saving money by skipping dinner is just ridiculous. Starving your body leads to skyrocketing medical expenses, which is the real loss.

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GateUser-2fce706c

· 01-17 00:59

There's a bit of a problem with this logic... Can a fixed deposit of 700,000 cover your meals? Saving money ≠ increasing value; these are two different things. The key is to find ways to increase income; stubbornly cutting costs will only keep you stagnant in the long run.

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FrogInTheWell

· 01-15 12:10

Skipping dinner? Bro, that's a toxic logic. Saving money shouldn't come at the expense of your health.

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LayerHopper

· 01-15 12:07

Skipping dinner to save money? Bro, I really can't buy into that logic. Starving your body for a few bucks—what's the point? Honestly, cutting expenses is important, but not to such an extreme. You gotta eat. Earning 10,000 a month doesn't necessarily mean you should invest in stocks, but you also don't have to see yourself as a monk. Saving money is fine, but there should be a limit. Don't risk your life for a few bucks. This is the classic "calculating accountant" mindset—numbers look good, but life is rotten. I think earning 10,000 a month, you should focus on working overtime or side jobs, which is much more reliable than skipping dinner. Controlling expenses is right, but the examples in this article are honestly a bit outrageous.

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SillyWhale

· 01-15 12:07

Skipping dinner? This guy probably wants to starve to death on the road to wealth management.

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StablecoinArbitrageur

· 01-15 12:07

actually the math here is missing the opportunity cost angle. if you're skipping dinner to save 20 rmb daily, you're also sacrificing productivity & health—which tanks your earning potential way harder than any spread you'd catch on stablecoin pairs. risk-adjusted, that's a terrible trade-off.

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BearMarketSurvivor

· 01-15 12:00

I'm convinced by this logic—cutting back on one meal a day is equivalent to having 700,000 in savings? Wake up! What about the interest on that 700,000? Do you really need to save up 700,000 to make it happen?

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Ser_APY_2000

· 01-15 11:52

Damn, saving 700,000 by skipping dinner? That logic is amazing, haha Saving 20 yuan every day really can change your fate? I think I need to stay alive first Cutting expenses is right, but don't ruin yourself, brother I've heard this set of theories so many times, but the real question is who can really stick to it It's easy to say but hard to do; low income and having to tighten your belt, I'm speechless Not eating can save money, but your stomach also saves blood

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