On the day of the blind date, I got my certificate from the paranoid richest man.

Chapter 280
Seeing that Du Shengsheng's expression was wrong, Gu Yanbai asked with concern, "What's wrong? Don't you like Cayenne?"

Hearing this, Du Shengsheng glanced at Gu Yanbai faintly: "Mr. Gu, does your family have a mine?"

Gu Yanbai: "...No."

The main industries of their Gu family are real estate and high-tech chip design. Although his aunt also runs a jewelry industry, in general, his family does not mine, they are just very rich.

"You're still so arrogant when you don't have a mine!" Du Shengsheng clenched her fist and hit Gu Yanbai's head hard: "I originally thought that it would be an exaggeration for you to buy a car worth 60 yuan, but in the end It's better for you. After entering the store, you don't even look at the cars under 100 million... What's going on with you? Did you win the lottery? Why are you so arrogant today? "

Gu Yanbai: "..." I have always been arrogant without winning the lottery.

But being arrogant means being arrogant in front of outsiders. It’s better not to be arrogant in front of your wife.

Lest you become extremely happy and become sad, or get too arrogant and go home and kneel on the washboard.

"Isn't it the end of the year soon? Will the company give us bonuses? So be arrogant." Gu Yanbai explained.

"But your bonus is only two to three hundred thousand, isn't it?" Du Shengsheng frowned, with a confused expression: "You only got a bonus of two to three hundred thousand, how dare you look at a car worth two hundred thousand? Are all you men so arrogant?"

Only then did Gu Yanbai remember that he had told Du Shengsheng before that his year-end bonus was about 30 to [-] yuan.

Du Shengsheng's memory is not very good. I didn't expect to remember this incident, but I remembered it very clearly.

Gu Yanbai had a headache: If he had known it, he would have had a year-end bonus of 100 million.

It’s not like buying a mere Cayenne is so laborious now.

"It's okay." After a short silence, Gu Yanbai found a new excuse. He comforted Du Shengsheng and said: "I still have savings, and my credit card can also withdraw hundreds of thousands, so you don't have to worry, let's buy Worthy of BMW and Cayenne.”

Originally, Gu Yanbai wanted to appease Du Shengsheng.Unexpectedly, when Du Shengsheng heard the word "credit card", she immediately exploded: "Credit card? You still want to swipe a credit card? No! Absolutely not!"

"Huabei, borrowing, and credit cards are all traps of capitalists. Those capitalists just want us to develop the habit of excessive consumption, and then owe them money and pay them interest." Du Shengsheng said excitedly: "We give the capitalists It’s already miserable to work part-time, but you still owe money and interest to the capitalists...can you still live like this?”

Du Shengsheng is very disgusted with Huabei borrowing these things. In her opinion, spend as much as you have and never borrow money.

Borrowing money to spend may feel good when you spend it, but when it's time to pay it back, it's your turn to cry.

Why bother if you pay back the principal with interest?Isn’t it a loss to pay so much more interest?
It's better not to borrow it.

"If you want to get a loan to buy a car, then we might as well not buy this car." Du Shengsheng clapped her fingers and began to settle accounts with Gu Yanbai: "The current car loan interest rate seems to be around 180% within five years, so let's just Calculated at 100%, if you buy a car worth 30 yuan and get a loan of [-] million, at [-]% a year, that’s [-] yuan, and in five years it’s [-] yuan!”

"You didn't buy anything for these 30, you gave it to the bank for free! The Cayenne is 180, do you think it's quite cheap? That's because you didn't add interest. If you add interest, is it still cheap?"

"And if you repay 100 million in five years, you will have to repay 20 in an average year. This is just the principal, plus the interest of 30, you will have to repay 26 every year! More than 2 a month! How stressful it is."

Du Shengsheng held her cell phone and was calculating the interest on the car loan, and then using her computer to calculate the accounts for Gu Yanbai, very carefully.

Gu Yanbai watched from the side, feeling very tempted to laugh.

He didn't know why, but he thought Du Shengsheng's fussy little look was quite cute.

"You have a car yourself, but it's not like you don't have a car." After doing the calculation, Du Shengsheng put away the phone and began to educate Gu Yanbai in earnest: "So you don't need to take out a loan to buy a car. If you want to drive a BMW, then let's start from next year. From the beginning, I will live frugally, reduce expenses, save money, and when I have enough, I will buy you a BMW."

"You should be able to save 80 million a year, right? Including your savings, it will be almost 150 million, right? I will add some to you when the time comes, and we will buy the car with full payment. Then you can drive As for the new car, I took your old car, isn't that great? Why are you in such a hurry and have to take out a loan to buy it this year? It's only one year later. One year later, we will spend 30 less."

(End of this chapter)