Friend Old A sent a 60-second voice message late last night, sounding anxious:

"Brother, life is short, spend the money as soon as you earn it! Look at that guy next door playing mahjong, he just won three thousand, and then he was gone. No one knows whether tomorrow or an accident will come first, so why save money?"

I asked him: "If you suddenly had a billion, how would you spend it?"

He blurted out: "Buy a house, buy a car, change wives, eat all over the world, and never work again in this life!"

I laughed, but my heart skipped a beat.

I told him: If you really do that, you will most likely face big troubles within three years.

He didn’t believe it and thought I was trying to scare him.

But today, I want to lay out my observations and hard-learned lessons from these years.

1. Why does 'sudden wealth' often lead to 'sudden death'?

I've seen too many people like this.

When I made my first bucket of gold back then, I also got lost. Buying cars, buying houses, treating others, and in the end? My girlfriend of many years suddenly broke up with me, and the dog I raised for five years also went missing unexpectedly.

At that time, I felt like my luck had run out.

But later I found out that this isn't luck; it's a pattern.

Look around you:

- Some people made money but became addicted to drinking and pleasure, their health suddenly collapsed, lying in ICU for half a year, and their family fortune was wiped out.

- Some people make money and then indulge in wine and pleasure, their bodies suddenly collapse, lying in ICU for half a year, and their family fortune is gone.

- Some people pour all their money into luxury goods and ostentatious consumption, leading to family breakdown, rebellious children, and wealth slipping away like sand.

This is not an exception; this is a certain 'invisible rule' at work.

Core truth: When you indiscriminately 'take' and 'cash out,' the system will randomly 'take' something from you.

You earn money and immediately go to buy cars, buy houses, and seek fun; this is called 'high-frequency cashing out.'

Every time you cash out, it triggers a 'loss' roulette.

Losing health, losing family, losing freedom... even losing life.

You don’t know what it will take away, but as long as you cash out frantically, it will definitely come.

2. Breaking the deadlock with 'anti-human' logic

Old A asked me, 'Based on what you said, if you earn money and don’t spend it, what’s the point of living?'

No, I'm not telling you not to spend. I'm telling you to 'spend wisely.'

Real experts understand 'delayed gratification' and 'asset replacement.'

- When you actively 'lose' (like giving discounts, yielding, not competing), you will instead randomly 'gain' (noble people, opportunities, turning points).

- I once voluntarily gave up 20% of the profits to my partner on a project. At the time, it looked like a loss, but in the end, he brought me into another bigger opportunity and I made ten times more.

- You were laid off? It may seem like you've lost your job, but perhaps it's your opportunity to start a business.

This is a subtle balance.

If you earn 1 million and immediately spend 500,000 on extravagance, this is 'large cashing out,' which is very likely to be unbalanced, and disaster often follows.

But if you only spend 50,000, or turn that 950,000 into things that are not easy to spend, the way of heaven might not even 'notice' you.

3. How to 'deceive the heavens' and rise steadily?

If you don’t want to become a case of 'sudden wealth leading to collapse,' please remember these four life-saving rules:

1. Extremely low proportion 'tasting the waters'

Make big money, spend little money.

Control the proportion of enjoyment within 5%-10% of your income.

If you have 100 million, spending a few hundred thousand to improve your life is subtle; if you spend it all on a yacht, that’s testing the edge of self-destruction.

2. Assets outweigh consumption

Turn money into 'invisible' assets rather than 'visible' show-offs.

Buy equity, buy properties in core locations, and make long-term investments.

These things cannot be directly used for drinking and boasting, but they can help you 'lock in' wealth and slow down your decline.

3. Actively 'losing' is a blessing

In cooperation, take a little less; in arguments, yield a bit more.

The 'profit' you voluntarily give up will turn into a 'momentum' that will return to you in another form at some point in the future.

This isn't called foolishness; it's called 'charging up.'

4. Absolute low profile

Showing off is a catalyst for accelerating death.

The more you flaunt, the easier it is to attract jealousy, trouble, and accidents.

Real wealthy people are all pretending to be poor; only newly rich people pretend to be wealthy.

In conclusion

Old A was silent for a long time after hearing what I said, and finally said, 'Your logic sounds a bit mysterious, even a bit scary.'

I told him: this isn’t scary; it’s reverence.

Once a person inflates and thinks, 'The money is mine; I can spend it however I want,' the laws will slap you hard.

What you spend is not money; it’s your future chips.

Every time you cash out without reverence, you are quietly marking an extremely expensive price.

True smart people never rush to press the 'cash out' button.

They tightly hold the chips in their hands; even if they spend, it’s a slow and steady stream.

Once your base is large enough, just using a little loose change will be enough for you and your family to live the life most people dream of.

Don't rush; take your time, but relatively quickly.

If you feel that this article hits your pain point or you happen to have that friend who is 'showing off because they have money,' be sure to share it with them.

Perhaps what you saved is not just money but a life.

Like and save this, may we all walk steadily and far on the path of wealth.