They're already in university, and the primary school system is only just starting out?

Net worth is growing at 10% per month!

Chen Lin doesn't even need to take out his phone calculator. With the title of "Little Mathematician," he can perform mental calculations faster than any computer in the world when it comes to pure numerical operations.

His current net worth is over 32,000.

If no expenses are made and the growth is solely based on the compound interest of this title, it will be 36,000 after one month and more than triple to over 100,000 after one year.

What about five years from now?

In Chen Lin's mind, numbers flowed like a waterfall, and he instantly arrived at the result—1000 million short by more than 3100 yuan.

Five years, nearly ten million!

This is a number that would drive any ordinary family crazy.

However, if we use the little red flower to double the effect of the "little financial advisor", increasing it from 10% to 20% per month, what will it be after five years?

In a flash, an even more terrifying number exploded in his mind!

1.853 billion!

From less than ten million to more than 1.85 billion!

This is a staggering difference of over 180 times!

Moreover, Chen Lin knew that as time went on, the snowball of compound interest would grow bigger and bigger, and the gap would only widen exponentially.

However, although Chen Lin had never been a rich man, he roughly knew that money, once it reaches a certain level, is just a number.

Secondly, he couldn't possibly do nothing and just lie at home waiting for five years.

His original plan was to use his "little mathematician" abilities to earn enough start-up capital within three years to allow him to enter the field of artificial intelligence.

Then let's calculate it as three years!

Chen Lin started mentally calculating again. He assumed that over the next three years, in the first year, after deducting daily expenses, he would earn an average net profit of 10,000 yuan per month; in the second year, with the expansion of his reputation and channels, he would earn an average net profit of 50,000 yuan per month; and in the third year, with his business on track, he would earn an average net profit of 100,000 yuan per month.

In this scenario, the enhanced "Little Financial Advisor" title can increase net worth by 20% each month...

Three years later, his net worth will exceed 800 million!

This number is already high enough to qualify him for entry into the field of large-scale artificial intelligence models!

Having figured all this out, Chen Lin no longer hesitated in the slightest.

He silently recited the command and opened the system interface that only he could see.

That bright red flower was quietly floating above the title list.

"Use the little red flower to enhance your 'Little Financial Planner'!"

[Confirmed enhanced title: Little Financial Planner?]

"confirm!"

The moment the words left her lips, the little red flower transformed into a dazzling stream of light, perfectly merging into the title "Little Financial Planner."

The text on the system interface changed accordingly.

【小小理财师（已加强）：你的净资产每个月增长20%！（当前净资产：32832.5)(距离下次净资产增长： 155：32：17）】

Looking at the new text, Chen Lin let out a long breath.

……

June 30th, evening, 11:57 PM.

Chen Lin was alone in his bedroom. The room lights were off, and only the light from his phone screen illuminated his slightly excited face.

He held his phone in one hand, displaying the bank app's balance screen, while his other eye was fixed on the system panel in his mind.

Two days ago, the emails containing my final grades and GPA were sent out.

Thanks to the intensive review in the month before the exam, he did very well this time, with all his professional courses scoring above 80 points on the final exam.

In particular, Professor Wang not only gave him a high score on the exam paper for "Appreciation of Chinese and Foreign Literary Trends," but also gave him extremely high marks for his regular grades, allowing him to achieve his first professional course score of over 90 points since starting university.

When he showed his report card to his parents, the couple were overjoyed.

First, on Saturday, the whole family went out to eat at a famous high-end restaurant in the city and splurged a little.

Today, Lin Xiaoqi, Chen Lin's mother, invited both her aunts' families to her home and personally cooked a sumptuous meal. At the dinner table, she praised her son extensively, making Chen Lin a little embarrassed.

Now that the noise has subsided, the parents should be fast asleep.

With its enhanced hearing, the "Little Champion" could clearly detect two steady, soft snores coming from the master bedroom next door.

Chen Lin's attention was focused entirely on the constantly ticking countdown on the system panel.

【小小理财师（已加强）：你的净资产每个月增长20%！（当前净资产：31961.36)(距离下次净资产增长： 00：02：13）】

00: 02: 12

00: 02: 11

……

00: 02: 00

00: 01: 59

Based on this countdown, Chen Lin has deduced that the settlement time should be 23:59:59 on the last day of each month.

During the waiting days, he didn't sit idle. In addition to continuing his research on writing neural networks in Python, he also made some small preparations for testing the settlement mechanism of "Little Financial Planner".

Thinking of this, his gaze fell on the desk.

There, a small, bright yellow gold bar reflected an alluring luster under the dim light of the phone screen.

This is an investment gold bar that he secretly bought from the bank a few days ago without telling his parents. It is worth five thousand yuan and cost Chen Lin one hundred and sixty yuan in processing fees.

Chen Lin discovered that after purchasing gold bars, the "net assets" value on the system panel did not decrease.

On the contrary, at 00:00 every day these past few days, the "net assets" value on the system panel will change slightly according to the daily fluctuation of gold prices.

In contrast, any other consumables he purchases, whether food or daily necessities, will immediately reduce his net worth once the payment is made.

This shows that hard currencies like gold are recognized as "assets" by the system.

I just don't know what other assets besides gold can be included in asset value. I'll have to figure that out slowly when I have more money.

Now, only one last item needs to be tested.

The countdown has entered its final three seconds.

00: 00: 03

00: 00: 02

00: 00: 01

The moment time jumped, the system notification sounded in my mind right on time!

[Note: This month's net asset settlement has been completed! Net assets increased by 20%]

【小小理财师（已加强）：你的净资产每个月增长20%！（当前净资产：38353.632)(距离下次净资产增长： 743：59：59）】

Chen Lin immediately turned his gaze to his phone screen!

The balance on the bank's app has increased from over 26,000 yuan to a new number, an increase of 6392.272 yuan!

The gold bar on the desk remained unchanged.

"Just as I thought."

Chen Lin understood. No matter how much gold or other physical assets he held, the system would only increase the cash balance in his bank account during settlement.

That's good, it's actually more convenient for him.

He opened the account details on the bank's app and examined them carefully.

There are no transfer records or incoming payment information.

The six thousand yuan seemed to appear out of thin air, directly changing the total balance of the account.

Although Chen Lin is a liberal arts student, he has basic financial knowledge and knows that the basic principle of accounting is "for every debit there must be a credit, and the total debits and credits must equal the total credits".

Chen Lin guessed that the system's ability could directly modify the balance of a personal account and prevent any person or organization from noticing the anomaly in his personal account.

He felt this aligned with his understanding of the system's capabilities; the "little mathematician's" abilities were even more outrageous than simply altering bank balances.

After figuring out all the mechanisms of the "Little Financial Planner," Chen Lin happily hid the gold bars and went to bed.

……

……

July 2nd, 3:13 PM.

In the capital city, on the campus of Tsinghua University, in an office building nestled among green trees.

In a spacious and bright office, Academician Liang Tianshi picked up his teacup, took a sip, and had just seen off an old friend who was still holding a leadership position at the Chinese Academy of Sciences.

He had just sat down when his secretary knocked on the door and came in.

"Mr. Liang, you have a phone call."

"Who is it?" Liang Tianshi asked.

"It's Chang Kai, the president of Yannan University."

Upon hearing this, Liang Tianshi raised an eyebrow slightly, recalling the favor he had asked the other party some time ago. He took the phone from his secretary.

"Hello, Mr. Liang! I hope I'm not disturbing your work?" Chang Kai's warm yet respectful voice immediately came through the receiver.

"Oh, it's Principal Chang. Hello, hello," Liang Tianshi smiled. "What can I do for you?"

"Professor Liang, it's like this," Chang Kai said politely, "You called me before and asked me to keep an eye out for any exceptionally talented math geniuses in the first or second year of university. I've looked into the situation and came to report back to you."

Upon hearing this, Liang Tianshi immediately became interested and sat up straighter.

Chang Kai continued on the other end of the phone, "In our school's mathematics department, there's a sophomore girl named Shen Yan. According to the mathematics professors, she's incredibly focused and dedicated to mathematics, and her talent is exceptional. Her grades in her major courses are almost always perfect. Gu Ming, a young professor at our school who recently returned from abroad, values ​​her highly and has even given her special guidance to participate in research projects ahead of schedule."

Liang Tianshi listened and nodded to himself.

Highly talented and a sophomore in college—these characteristics seem to match the mysterious person who did Liang Xiaodong's exam papers.

"Oh? Is there anything else?" he asked casually.

"Furthermore," Chang Kai's voice carried a hint of pride, "Shen Yan not only excels in theory, but also possesses strong practical skills. The mathematical modeling competition team she leads submitted a very high-quality paper recently, and they have successfully entered the regional defense stage on July 7th. According to their instructor, securing a first-class national award is practically guaranteed, and they have a very good chance of competing for the final national award."

"Oh?" Liang Tianshi pressed, "So they'll be attending the final offline exchange and awards ceremony?"

Chang Kai immediately replied, "Yes, it will be held in Beijing on July 14th at Tsinghua University, with an offline exchange and awards ceremony."

At this point, Chang Kai changed the subject and asked in a tentative yet respectful tone, "Professor Liang, I wonder if you will have time? Our Yannan University, I wonder if we have the honor of having you as a special guest to attend this offline exchange, so that Shen Yan may have the opportunity to receive a word or two of guidance from a mathematical giant like you."

Upon hearing this, Liang Tianshi couldn't help but burst into laughter.

"Principal Chang, your news is a step too late."

Chang Kai on the other end of the phone was clearly taken aback.

Liang Tianshi laughed and said, "I was originally invited by the organizing committee to be one of the judges for this offline exchange. I will be there to select the final awards for the children."

Chang Kai, true to his reputation as a shrewd and diplomatic person, reacted quickly. After a brief moment of surprise, he immediately seized the opportunity, saying with delight, "Oh my! What a coincidence! This shows that Shen Yan and you are destined to be together!"

"Haha, Principal Chang, you're in a good mood," Liang Tianshi said. "But I still want to thank you for providing this information. If you ever need my help in the future, feel free to contact me anytime."

"Not at all, Mr. Liang, you're too kind!"

After exchanging a few more polite words, the two hung up the phone.

Liang Tianshi put down his phone, leaned back in his chair, tapped his fingers lightly on the table, and murmured to himself, "Shen Yan..."

After thinking for a moment, I picked up my phone again and started searching through my contacts. Soon, I found a familiar number.

The note reads: Xiaodong.

He dialed it directly.

.....

At the same time, in Jiangsu Province, in the city of Shuixiang.

In an internet cafe, Liang Xiaodong was playing a MOBA game.

"Nice!"

"Wow! Dong Ge's move was amazing!"

"They've really shown off! They've really gotten going!"

"Where's your neck?! Help me!"

"Neck, where are you every time we team fight?! Stop greedy for minions, damn it!"

The sounds of mechanical keyboards clattering, mice clicking wildly, and teenagers shouting excitedly filled the air.

The intense and exciting battle allowed Liang Xiaodong to temporarily forget the pain of being chased and scolded by his mother for half an hour yesterday because his final grades were too bad. He was completely immersed in the thrill of the game.

Half an hour later.

"DEFEAT!"

As their own crystal base exploded, a huge crimson "Defeat" message filled the entire screen.

Looking at the gray screen, and then at his own impressive 11-2-7 score in the upper right corner, and his teammates' dismal negative scores, Liang Xiaodong was so angry that he almost smashed the mouse.

"How could they lose like that?"

Liang Xiaodong was practically spitting blood. He had been on fire this game, dominating and having an incredibly smooth run, but then in the mid-game, he noticed his teammates were taking turns feeding, like the Calabash Brothers saving their grandfather. They lost a crucial team fight late game, and the enemy team completely pushed down their base.

He irritably took off his headphones and leaned back in his chair.

Just then, the screen of his phone, which he had casually tossed on the table, suddenly lit up.

Caller ID: Grandpa.

Liang Xiaodong jolted awake and sat up straight instantly.

Grandpa? Isn't he attending some important meeting in the capital?

Why would they suddenly call me?

An ominous premonition came over me.

He looked around cautiously, making sure there was no danger.

He immediately grabbed his phone, crouched down, and left his seat. He quickly walked to a relatively quiet corner of the fire escape at the back door of the internet cafe before pressing the answer button.

"Hello, Grandpa? You were looking for me?" Liang Xiaodong's voice unconsciously carried a hint of guilt. "Weren't you in the capital?"

On the other end of the phone came Liang Tianshi's usual calm voice, with a touch of kindness that he showed to Liang Xiaodong.

"Xiaodong, Grandpa has a question for you. The person who helped you with that test paper, whom you mentioned last month, has been in contact with you since?"

Liang Xiaodong's mind went blank for a moment, and the hairs on his body almost stood on end.

"Holy crap?" he blurted out, his voice trembling. "Grandpa, you wouldn't be... monitoring my phone, would you?!"

There was a two-second silence on the other end of the phone.

"What do you mean?" Liang Tianshi's voice carried a clear hint of confusion.

Upon hearing this reaction, Liang Xiaodong immediately realized that he had misunderstood.

He quickly explained, "No, it's nothing."

He cleared his throat and quickly recounted the whole story.

"Well, the other day, my good buddy, Han Sibo, was preparing for the 'Strong Foundation Program' selection, and he got stuck on a problem from their training course. He spent all day thinking about a proof problem and still couldn't figure it out. Seeing how worried he looked, I... so I asked that salted fish seller from last time for help again."

"Oh?" Liang Tianshi's tone revealed a hint of interest.

"That guy is really something," Liang Xiaodong said, his tone filled with admiration. "He sent over the solution in less than twenty minutes, a full two pages. Han Sibo studied that answer for over an hour, and after reading it, he was dumbfounded, saying that the solution was absolutely brilliant."

On the other end of the phone, Liang Tianshi fell into a brief silence, seemingly processing the information.

A moment later, his voice rang out again.

"Xiaodong, you haven't deleted the photo of that question, or that person's answer, from your phone, have you?"

"No, they're all in the WeChat chat history."

Liang Tianshi: "Okay, send me the original question and that person's complete solution process right away."