Core Insights - The article emphasizes the importance of not only earning wealth but also the ability to preserve it, highlighting that the true turning point in life is the capacity to maintain financial stability rather than merely accumulating money [3][19] Group 1: Principles of Wealth Preservation - First Principle: Avoid rushing into investments; prioritize preserving the principal amount. It is advised to save six months to a year’s worth of living expenses in low-risk options like fixed deposits or money market funds [5][9] - Second Principle: Maintain a low profile regarding wealth. Displaying wealth can lead to risks, as it reflects short-sightedness and vanity. True financial wisdom lies in keeping wealth discreet [7][9] - Third Principle: Diversify funds into three parts: 40% in a safety fund, 40% in stable investments like government bonds or money market funds, and 20% in personal development [9][11] Group 2: Mindset and Behavioral Aspects - Fourth Principle: Avoid the mindset of wanting to get rich quickly. Greed can lead to significant losses, and it is more beneficial to earn steady returns over time rather than seeking rapid wealth [13][15] - Fifth Principle: Practice delayed gratification. Controlling spending urges and prioritizing investments in personal growth and family security over immediate pleasures is crucial for long-term wealth preservation [17][19]