Most of my life has passed, and looking back at the road I've traveled, I genuinely sigh that for an ordinary person with mediocre talents and poor luck, making money is truly a difficult spiritual practice. Ten or twenty years pass in the blink of an eye, hair turns gray at the temples, yet enlightenment remains elusive. Perhaps this is what the Buddhist scriptures mean—unless one's karma is exhausted, one cannot be reborn. The debts that must be repaid cannot be cleared, and in the end, there is no way around it.