In a private house in a community in Hangzhou, a man in his 20s sat in front of a computer, smoking a cigarette with one hand and scratching his head with the other. There was a document on the screen in front of him, and a few paragraphs of text showed his current state.
His name is Chen Xu, from Ningbo.
I graduated from Zhejiang University majoring in water conservancy engineering. I started writing online while I was in school. I resigned last year and became a full-time writer. I have published several works, but my grades are mediocre and I am not well-known.
His pen name is Zijin Chen, which means "Classmate Chen from Zijingang" because the school is on the Zijingang campus.
The work he is currently conceived is called "Bad Boy".
Unlike Internet writers who are good at writing about fantasy, fairy tales, and romance, Chen Xu loves crime themes. His wife just got pregnant, which made him pay attention to the world of children, so he wanted to write a novel about juvenile crime.
The protagonist of the novel is Zhang Dongsheng, the son-in-law who comes to live in the house. The prenuptial agreement stipulates that once divorced, he will leave the house. However, Zhang Dongsheng's wife happened to have an affair and filed for divorce.
In order not to get divorced, he pretended to take his parents-in-law on a mountain climbing trip. On the top of the mountain, he suddenly pushed the two of them down and fell to death. As a result, they were accidentally photographed by three children...
Later, this novel was adapted into a web drama called "The Hidden Corner".
There are a lot of reflections of Chen Xu’s real experiences in the work.
His parents divorced when he was young, and he lived in poverty with his mother. His father was very rich, but he married another wife and gave birth to a daughter. Every time he saw him, he could only secretly give him thousands of dollars at his grandparents' house.
During one meeting, the daughter happened to be there, so the father pulled him aside and said, "Don't call me daddy in front of my sister. She is still young and doesn't know that my divorce will have a bad impact on her."
This experience was written into his novel.
"Dong dong dong!"
While he was carving, his wife knocked on the door and walked in quietly carrying a bowl. She also spoke in a soft voice: "Are you bothering me?"
"No no!"
Chen Xu quickly put out his cigarette, took the bowl and looked at it. It was health tea brewed by himself, and said, "I asked you to have a good rest, why are you up again?"
"Oh, I'm bored lying down."
The wife looked at the screen and consoled her: "Writing is a job that uses your brain. Don't worry. If you get bored, just go out and walk around. Maybe you will get inspiration."
His wife has always supported his career, and she chose the title of the book "Bad Boy". But the more this happened, the more guilty Chen Xu felt, and sighed: "Thank you for your hard work, you are pregnant..."
"Don't say that, you are talented, this book will definitely become a hit!"
The wife didn't want to irritate him, so she changed the subject and said, "By the way, I deposited the 20,000 yuan in advance from you and the publishing house into that current card. The interest rate is really low now, only 0.36%!"
"0.36%... 20,000 yuan a year, uh, 72 yuan in interest?"
"Yeah, it's so low. But it doesn't matter. It's a demand deposit anyway. We just don't have to pay for it on a regular basis."
From graduation to now, with various incomes combined, the couple has about 300,000 in savings, most of which are deposited in fixed term.
300,000 is quite a lot these days, but they have to pay off the mortgage, live in Hangzhou, and save money for their children. It’s hard to rely solely on my wife’s salary. Especially if he writes full-time, this thing is risky and may be thrown away.
.
The two talked for a while, and then the wife went to bed.
Chen Xu locked himself in the room and continued to scratch his head, for the sake of poetry and the distance, and for the sake of life.
…………
In the blink of an eye, it was the next day, May 18th.
After breakfast, his wife went to work. Chen Xu continued to stay at home and wrote about two thousand words. Then he got up and moved around, lying down and playing with his mobile phone for a while, just to relax.
Check Weibo first, and there is a big hot search: Little Treasury!
There is the word "explosion" at the back.
"what?"
He clicked on it and saw that it was all about financial management and funds. He didn't have the patience to read it, so he closed it directly. After browsing Weibo for a while, he opened the Maiwo Community again.
College students of his generation basically cannot escape the clutches of the devil, and they all grew up in the community. It used to be really fun, and there were interesting posts every day, but now it’s no longer possible, and I can’t find a few good articles even if I’m tired of flipping through them.
"Maimai Pay has started paying interest. I just saved 100 yuan. I can't buy it and I will suffer a loss. I can't buy it and I can't be cheated!"
"You're dead! Commander Yao has sold his fund!"
"It's over, your reputation is ruined!"
"Hey, as long as you have something to do with finance, you can't have a good reputation - hell, I lost 500,000 in the past few years!"
Um?
He didn’t want to read the content on Weibo, but people in the community were patient and soon figured out the truth: it turned out that Maimai Pay had launched a product [Little Treasury].
"Well!"
"Isn't it a loan shark?"
Chen Xu is now very sensitive to the topic of funds and saving money, so he decided to take a look first. There was no MaiMai Pay on his mobile phone, so he downloaded one specially.
After tinkering for a long time, I finally figured it out.
I deposit money into [Little Treasury], which gives me interest every day. I can deposit and withdraw money at any time, with no handling fees. I can also directly use the money from [Little Treasury] to spend money in the mall.
And the interest is 4%!
"Yesterday my wife said what the current interest rate was? 0.36%?"
Chen Xu quickly made a calculation. If he saves 20,000 yuan, it will cost 800 yuan a year, which is 2 yuan a day. If he saves 300,000 yuan, it will cost 12,000 yuan a year, which is 32 yuan a day.
So here comes the question: Is [Little Treasury] reliable?
"..."
He thought about it and called his wife first: "How much is our regular interest rate?"
"I remember it was less than 3%!"
"You won't give it until it's due?"
"Isn't this nonsense?"
"Oh, I found something..."
Chen Xu told the story once, and his wife was worried: "Is it reliable? Don't you get banned or run away with the money?"
"This, this is what Commander Yao did."
"Commander Yao can't decide our hard-earned money. Who knows whether he will turn into a dragon? Well, you can save 100 yuan and see."
"Well, that's okay too!"
After hearing what his wife said, Chen Xu immediately bound his bank card and deposited 100 yuan.
When you're done, continue coding.
…
100 yuan is affordable for most people.
The couple was busy every day and forgot about this incident. After a few days, Chen Xu opened the small vault again and found a line of data:
“Tianzhi Fund wins money every day
Total amount: 100 yuan
Yesterday’s income was 0.01 yuan, and the cumulative income was 0.03 yuan!”
He clicked on Tiantianying again, and a fund trend chart appeared, from the time it was launched on the 18th to now, especially a reminder marked on it: [Low Risk]
Chen Xu thought for a while and tried to transfer the money to his bank card, and it really worked.
He immediately discussed with his wife: "If we save all 300,000 yuan, we will get at least more than 900 yuan in income every month, and we can withdraw it at any time, which is better than regular payment."
"I'm still worried, what if it disappears?"
"Then let's wait and see. How about saving 1,000 yuan?"
"1,000 is fine, give it a try!"
So I added more money this time and transferred 1,000 yuan.
Chen Xu added: "I decided to retreat and reduce my living standard to the lowest level. I will not consume or buy clothes. Of course, you should eat and use."
"What do you mean, you eat glutinous rice and I eat spicy food? If I really have more than 900 yuan a month, my salary can pay off the mortgage, and the rest is enough for the two of us."
"Wife!"
"husband!"
The two of them started to get tired of each other.