Going home for the Chinese New Year with a year-end bonus of 100 million

Der listened, his previous teasing expression softening somewhat. He stroked his chin, not immediately offering advice, but instead asking a seemingly unrelated question:

"Hey bro, how old are you this year?"

"I'm almost 26," Yang Fan replied.

"Twenty-six, ten million in savings." Brother Der nodded and gave a thumbs up.

"No matter where you got this money, brother, at your age, you're definitely one of the best."

He changed the subject, his tone becoming serious:

"But brother, I have to ask you one more question: how much do you earn in a month right now?"

"Of course, it's not convenient to give a specific number, but a range will do."

Yang Fan quickly made a mental calculation.

His current "monthly income" is actually zero; the system reward is a one-time thing.

But he couldn't say that.

So he made up a number:

"Right now... I make about 30,000 a month."

"Thirty thousand a month, that's about thirty-six thousand a year. Add in the year-end bonus and stuff, let's say forty thousand." Brother Der picked up a calculator that had somehow appeared beside him and started typing as he spoke:

"Brother, I don't know how you saved up that ten million. Did you get a house demolished? Did you win the lottery? Or did you catch some trend and make money? I won't ask too much about that. Everyone has their own opportunities."

He put down the calculator, looked at the camera, and his eyes were very serious.

"But I want to tell you a very realistic truth—having money in your pocket is more important than anything else."

"Seriously, brother, feel your pocket. That ten million is real. It gives you confidence."

"If you have ten million in savings, you can easily buy a car worth three or four hundred thousand or four or five hundred thousand without any pressure."

"Driving it back to your village will be a real status symbol! A Mercedes, a BMW, an Audi—you can pick any one. Who among the villagers wouldn't think you've made something of yourself?"

"But—" Der emphasized.

"I don't recommend you get a car that's too expensive. Like one or two million, or even more. Why?"

He asked and answered his own question, speaking at a faster pace:

"Dude, just imagine, you drive back in a luxury car worth a million or two, wouldn't that be eye-catching? Absolutely eye-catching!"

"Do you have any relatives or friends in your village? Are there any distant cousins ​​you're not even remotely related to?"

"They see you driving such a nice car, they know you've made a fortune, what will they do next? Will they come to ask you for money?"

"When the time comes, will you lend it or not?"

Der's words struck Yang Fan's heart like a hammer.

He was so focused on the glory that he hadn't really thought about this aspect.

Now that Der had pointed it out, he could almost see those familiar yet unfamiliar faces surrounding him.

However, before he could react, Der continued speaking:

"Now that the money has been lent out, how much do you think you can get back?"

"Or rather, would you even dare to ask for it?"

"These days, how many people turn against each other over money?"

"A small favor is appreciated, but a large favor breeds resentment, brother!"

The chat room comments echoed this sentiment:

"Der is absolutely right!"

"Seriously! My cousin bought an Audi A6 the year before last, and he didn't dare go home for Chinese New Year last year because his phone was ringing off the hook."

"I experienced it firsthand. I lent out 50,000 yuan, and now we're enemies."

"Listen to my advice, bro! Der is teaching you a lesson!"

"The most important thing is to hold onto your money tightly!"

"..."

Yang Fan felt a chill run down his spine.

He had indeed gotten a bit carried away before, and had thought about whether he should just buy a flashy sports car, like a Porsche 911 or something, and drive it back to make a splash in the surrounding area.

Now, after being doused with a bucket of "cold water" from Der, he instantly sobered up considerably.

Yes, he has a hundred million now, but the "Roulette of Fortune" won't restart for another month.

What will be the next system?

Is it still possible to make money?

are all unknowns.

If you can't make money in the future, and you spend a lot of money on excessive consumption now, or even cause a lot of trouble by showing off your wealth, wouldn't that be asking for trouble?

It's easy to go from frugality to extravagance, but difficult to go from extravagance to frugality. He never wanted to go back to the days of struggling to make ends meet in his rented room in the urban village.

Seeing that he was thinking in silence, Der knew he had taken it to heart, so his tone softened a bit:

"Life goes on, and so does appearances, but living your life well is more important than temporary glory."

"If you have ten million today, can you guarantee that you'll have a continuous stream of income to support that kind of high-end consumption tomorrow and the day after?"

"Brother, think about this carefully. Cars are consumer goods; their value depreciates as soon as you buy them."

"And savings are your confidence, your fallback plan."

Yang Fan let out a heavy breath and said:

"Brother Der, I think... you're right."

"I was oversimplifying things. So, given my situation, what kind of car would be suitable for me? I'll listen to you."

"Hey! That's right!" Der slapped the table, a smile spreading across his face.

"Listen to my advice! Brother, you're destined for great things! I love chatting with insightful people like you!"

"At 27, young and promising, with substantial savings, wanting to buy a nice car to take care of my parents and to impress them is a perfectly reasonable request! Absolutely no problem!"

Der counted on his fingers and said:

"Let's look at the price range of four or five hundred thousand, that's definitely enough! It meets the standard of a 'good car' without being too flashy, falling into the category of reasonable wealth."

"If you drive it back, people will think you're doing well, but they won't think you have too much money to spend and will try to take advantage of you."

"So, bro, gas car or electric car? Any preference?"

Yang Fan thought for a moment.

The charging facilities in his hometown village were definitely not perfect, and subconsciously he felt that his first car would be a traditional gasoline car, which would have a greater "ceremonial feel".

He replied, "Brother Der, I think I should consider a gasoline car. It's more reliable."

"Okay! A gas-powered car, around 400,000 to 500,000 yuan." Brother Der listed them off as if they were his own treasures:

"At this price point, you're basically choosing from the BBA (BMW, Audi, Mercedes-Benz) brands: the 5 Series, Audi A6L, and Mercedes-Benz E-Class. They're all good cars; you could buy one without much trouble."

He paused for a moment, then continued:

"However, given your situation, brother, I personally prefer to recommend the Mercedes-Benz E-Class."

"Why? First of all, among these three cars, the E-Class's price is currently relatively stable, and the discounts may not be as large as the other two, so it will be slightly more expensive on the road."

"But you have the spending power, so this little bit won't make a difference."

"More importantly, in China, especially in many non-first-tier cities and towns, the brand recognition of Mercedes-Benz, its 'luxury' and 'prestige' are indeed slightly more prominent."

"If you drive an E-Class home, and you put that hood ornament there, your parents won't know much about cars, but they'll recognize the emblem. They'll be happy, thinking their son is really driving a Mercedes-Benz, that he's successful! The money was well spent!"

"Of course," Der added:

"The 5 Series and A6L are also very good, each with its own advantages in handling or technological features."

"But I'm not a salesperson today. I'm giving you advice based on your specific needs—going back to the village, wanting to save face, wanting your parents to be happy, and wanting to be discreet and not showy."

"I think the E-Class might best suit your needs. I often say 'buy something,' but that's usually to discourage people from overspending. But if you have the purchasing power and your needs are clear and reasonable, then go for it!"

The public chat is also scrolling:

"An E-class car is fine; once the emblem is hung, the aura is completely different."

"5 Series owners agree; the Mercedes emblem definitely carries more weight back in the village."

"The A6L is too official-looking; young people should drive an E-Class."

"Der's analysis is spot on!"

"..."

As he spoke, Der grabbed a calculator from the side and started typing away:

"Come on, buddy, let me give you a rough estimate of the final price, so you have a general idea."

「咱们就说E300L豪华型，现在指导价是52.98万吧，终端优惠我了解的大概能有9万左右，裸车价就43万9千8。」

「购置税，大概3万9左右。保险第一年贵点，算1万2。这就差不多49万了。」

"Adding the registration fee and possibly some decorations (window tinting, floor mats, etc.), the final price will be between 493,000 and 500,000."

"We can definitely get it for under 500,000!"

He looked up at Jin Gou: "How's it going, bro? This budget is easy and enjoyable for you, isn't it?"

"No need to overthink it, just go for it! Buy it and drive it home, it'll definitely be classy and practical, suitable for both home and business use!"