My Fintech Empire

What does it mean to get rich overnight?

At this time, this guy finally experienced the feeling of getting rich overnight. How do you feel about that? The rhythm is so exciting!

How to relieve worries? Only get rich suddenly.

When he was excited, he quickly took a screenshot and opened the friends and family group in a hurry to send it. But just when he put the screenshot in the chat window, he quickly canceled it, "Damn, it was so dangerous. I almost made a mistake. I sent it." When you go out, you will be like Shabi. If you are wise, your wealth should not be exposed..."

If he posted it among relatives and friends, he could imagine that it wouldn't be long before relatives from nowhere would come to borrow money.

Will you borrow it or not when the time comes?

But he really wanted to spread the word. Why didn't he go home for the New Year? Because he is a typical incompetent person in the eyes of his relatives. He is still single in his twenties, has not saved much money, and is disliked by his blind date partners, so he does not want to go home.

At this moment, he was favored by the goddess of luck and received a windfall from the sky. He really wanted to show it off to his friends and relatives and feel proud.

But in the end, it was clear that reason was better, and he decided to keep a low profile.

"This time, I feel like all my luck in this life has been used up..." He looked at the shining seven-digit number happily. After collecting the screenshot, his whole body was refreshed at this moment.

In an instant, he felt ten times more confident than before. How much wealth he has in his pocket is really directly proportional to his confidence. That is where a man's confidence lies.

"Let me think about how to arrange this million. First go back to your hometown and buy a house in the county. You can buy one for more than 200,000. Then you can use more than 100,000 to build a house on your hometown site and buy a car." Car, and deposit the rest in the bank, well, that’s it!” He quickly made these decisions in his mind. He didn’t have any big ideals at first, and he was already very satisfied with this kind of life.

"No, it's better not to buy a car yet. I haven't taken the driver's license test anyway, so I'm not in a hurry. Don't deposit the 500,000 in the bank. When Qunxing's wealth fund raises funds again, buy the wealth management products of the wealth fund!" He He said and nodded to himself: "That's it."

The wealth fund thing was very popular last year, and he had seen the news, but he didn't think about it at all at that time. He felt that it had nothing to do with him, because he couldn't even come up with 50,000 yuan.

But it's different now.

This windfall made him almost free of charge and completed the initial accumulation of his first million in capital. He had begun to think about things that he had never thought about before. The most important thing was that not only could he think about it, but he could also do it accurately. Entry qualifications.

"Wait a minute, no!" He thought about it and then said to himself: "I almost forgot, it is impossible to get all of the 1 million, and you have to pay 20% tax. Only 800,000 is actually received."

This money is considered incidental income and is subject to tax.

According to the current "Personal Income Tax Law", there is no threshold for occasional income tax. Personal income tax is calculated and paid according to the amount of income obtained at a tax rate of 20%, and is withheld and paid by the paying unit and the individual. Individuals purchasing "welfare lottery" and "sports lottery" will be temporarily exempted from personal income tax if their one-time winning income does not exceed 10,000 yuan; if it exceeds 10,000 yuan, the amount of income should be calculated and paid at a tax rate of 20%. Income Tax.

Therefore, in this tens of billions of red envelope carnival activities, anyone who grabs a red envelope worth 10,000 yuan or more will need to pay 20% personal income tax in accordance with the law.

"Damn, I have to hand over 200,000 yuan all at once, it hurts my heart!" He couldn't help but complain, and in an instant he came up with the idea of ​​tax evasion. After this idea flashed through his mind, his heart also moved.

"No, no, no, no, no." He suddenly shook his head to himself, but still denied the idea of ​​tax evasion, mainly because he was afraid. After grabbing such a large red envelope, and there were only 2,015 people, it must be easy to find out. .

200,000 yuan for tax evasion is not a small amount. If you really want to be sentenced, you may face a fixed-term prison sentence of less than three years.

After much thought, he decided to pay the 200,000 yuan in taxes so that he could feel more at ease.

Then he re-planned. At first he decided to buy a whole car, but he cut it. Now because he had to reduce the tax of 200,000, and only 800,000 was left, he decided to build a house on his hometown site. The idea was also cut off.

He did not consider buying a house in a big city. Even if he could make a down payment, the monthly payment would not be enough.

Just buy a house in the county first, then set aside 500,000 yuan to buy financial products from the wealth fund, and use the remaining money for daily expenses.

As for the issue of buying a house in a big city, he doesn't consider whether he can buy a house in a big city at all now. He thinks it depends on whether he can buy wealth management products from wealth funds and make money with the 500,000 yuan in the future.

All in all, he is very satisfied with the current arrangement. He can accept it even if he cannot buy the wealth management products of the wealth fund for the next 500,000 yuan, or if he does buy it, he still loses money.

Because he was lucky enough to grab this one million, he had already ensured his most basic livelihood. A fully paid house in the county town guaranteed him a place to establish himself, and there was no pressure to repay the monthly payment, so he had more than enough room to move forward.

"Thank you God K for giving to the world, thank God K for changing my destiny..." At this moment, after planning, he thanked him from the bottom of his heart. The next second he suddenly slapped his thigh and said: "Fuck, how dare I not pay attention God K’s Weibo? I don’t have a Weibo? It’s a shame, please click and follow it!”

So he immediately registered a Weibo account, then found Fang Hong's personal Weibo account and decisively clicked to follow it. After he was done, he opened his phone again, clicked on the photo album, and looked at the golden million-digit figure in the screenshot.

"Tsk, tsk, tsk, the feeling of getting rich overnight is incredible!" He looked at the screenshot with a happy face. He didn't know why he always wanted to do something, otherwise he would feel uncomfortable all over.

Well, it’s just that I feel more uncomfortable than if I didn’t pretend to go out.

But he didn't plan to make a high-profile announcement at home, and he felt so uncomfortable. After a long time, his eyes lit up: "If your relatives at home don't find out, why don't you just pretend to be a fake on the Internet?"

So, he immediately clicked on QQ and found a QQ group. The people in it were all friends he met while playing games online. They had no intersection in real life, so he could pretend to be casual without worrying.

It is already 00:42 in the morning. The fourth round of the WeChat red envelope event has ended two minutes ago, and the last two rounds will be over.

The group is extremely lively now. No one is sleepy at all. Many people are posting screenshots of WeChat red envelopes in the group. So far, the highest denomination in this group is only 1,000 yuan.

At the same time, he immediately sent the screenshot to the group and edited a text message with a funny emoticon of a sideways smile: [How to unlock the first million in life? The answer is, just tap on the phone screen (funny.jpg)]

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