Six Stages of Financial Freedom

10,000, 100,000, 300,000 — these are three small hurdles
1,000,000, 3,000,000, 30,000,000 — these are three big hurdles

If you can achieve
10,000 without changing your phone, 100,000 without changing your car(, using a loan for the down payment), 300,000 without investing
1,000,000 not lending out, 3,000,000 not messing around, 30,000,000 not showing off wealth, then you can master money

When savings reach 300,000, IQ is at its lowest
This stage is most prone to impulsive consumption and investing in buying houses, cars, opening stores without listening to advice
Economics calls this the 300,000 "Stupidity Law," also known as the "Poverty Return Law"