Group 1 - The difficulty for ordinary families to save significant amounts of money, such as 400,000 to 500,000, is highlighted, requiring a long-term commitment and stability in life circumstances [1] - The phenomenon of "human relations" leading to difficulties in refusing loan requests from relatives is discussed, with a high default rate of 78% on loans among relatives [4] - Over 60% of families experience significant asset depreciation within three years after reaching savings of 500,000, often due to entering traps set by others [5] Group 2 - Case study of a couple, Zheng Bin and his wife, who faced financial strain after taking loans for a house and car, leading to a significant drop in asset value due to market conditions [7] - Another case involves Pan Liang, who lost over 20% of his inherited 500,000 through poor investment choices in stocks and mixed funds, driven by greed [9] - The challenges faced by entrepreneurs like Yang Liang, who invested 500,000 in a restaurant that ultimately failed, illustrate the risks of blind entrepreneurship in a competitive market [12]