Wanting to live a more decent life, relying solely on physical labor is far from enough. You need to learn how to make money work for you.

The key is to set a clear wealth roadmap for yourself while you're still young. For example, how much to save by age 30, what your asset goals are at 40, and what level you want to reach by 50. With these phased goals, you'll know what actions to take.

The critical turning point is to let passive income gradually cover your living expenses. It may be difficult at first, but as long as you persist in investing and asset allocation, you'll reach a critical point where your investment returns can sustain your entire lifestyle. At that time, work becomes a choice rather than a necessity.

Only then will you truly have the freedom to choose. Not working just to survive, but working for what you want. The quality of life naturally improves.