Investing in Life: The Power of Accumulation and Compound Interest

The Concept of Life Investment

Before, we've talked about saving money several times. One view is that no matter how much you earn each month, you should save a bit. Don't wait until you're rich to start.

If you earn 3000 yuan a month, save 300; if you earn 9000 yuan, save 900. This is the logic of regular savings, or a form of fixed - amount investment.

Fixed - amount investment can be applied not only to saving and investing money but also to health, exercise, learning, and socializing.

For example, you can invest in your health by going to bed early and getting up early. You can invest in exercise by running a certain number of kilometers or going to the gym a certain number of times. You can invest in socializing by making a certain number of new friends and chatting with them.

The logic behind fixed - amount investment is the power of accumulation.

Many people don't take small things, small achievements, actions, and behaviors seriously. For instance, they think saving 300 or 600 yuan a month is too little and that this money can't do much, so they'd rather spend it now.

Doing 10 push - ups a day may seem useless, but what if you坚持 it for a year?

Moreover, if you can坚持 for a year, it's very likely that you won't just do 10 push - ups a day anymore. Maybe you'll be doing 50 or 100.

The same goes for saving money. After saving for one or three years, starting with 300 yuan a month, it may gradually increase to 600. When your salary goes up, you may save 3000 yuan a month. That's over 10,000 yuan a year, and after 10 years, it'll be a significant sum.

Fixed - amount investment is not about one or three years; it starts from 5 to 10 years.

If you坚持 doing a small thing for 10 years, as long as it's accumulative, it'll have amazing results.

Writing 300 words a day means 100,000 words a year and 300,000 words in three years. This is accumulation, your digital asset. That's how I've come this far.

The difference is that I've evolved from writing 300 words a day to 1000, then 2000, then 3000, and finally close to 10,000 words a day, which means 3 million words a year.

My Health Investment Goals

I have a health investment plan: Running: 87/1500 kilometers (+0) Tennis: 32/1500 hours (+0) Going to bed early: 50/1500 days (+1) Meditation: 10/5000 minutes (+0) Dumbbell exercises: 2760/10,000 (+40) Squats: 2960/10,000 (+40)

You can use this as a reference.

Set goals, record your progress, note down your daily situation, and keep going, keep going, keep going.

Prerequisites for Life Investment

It's important to emphasize one thing: The prerequisite for fixed - amount investment is that the thing can be accumulated, has compound interest, and has growth potential.

For example, if you do the same job day after day in the workplace, it's hard to accumulate experience. And if what you do can't help you accumulate assets, doing more of it won't be useful.

All you can take away from your job are your experience and professional skills, which must have growth potential to be worth investing in.

In reality, for most people in the workplace, they only accumulate some work experience in the first 1 - 3 years or 3 - 5 years, and there's little accumulation later.

There are two types of fixed - amount investment: growth and assets.

Money, writing, these are assets that can grow.

Health can be considered both growth and an asset.

Connections and social networks are assets.

Various abilities, such as communication skills, programming skills, design skills, and management skills, are forms of growth.

For office workers to break through the bottleneck, just accumulating in terms of growth is not enough. They also need to accumulate assets to achieve different results.

Summary

The logic of investing in life is the power of accumulation.

The prerequisite for investing in something is that it can be accumulated, has compound interest, and has growth potential or is an asset.

We should not only invest in our abilities but also in assets, such as digital assets.

Daily Reading & Writing by Xiaolu 2025.06.27 [Day 662]