歲月靜好

中國式「成功」故事 背後代價高昂

表面上中國科技突飛猛進，電動車（EV）、光伏器材、智能手機，甚至半導體也似有急起直追之勢，但其實這種計劃經濟下，舉國式培植幾個所謂「成功」故事，背後都有極龐大代價，犧牲了無數中小企的貸款和集資機會，和整個經濟的效率。企業層面也一樣，過去十多年，中國上市企業的平均ROE（股本回報率），也從2007的16.7%高峰，跌至現在的只約10%。有專家指出，另一中國經濟，與眾不同的奇怪現象是，外國尤其美國企業，呈現「規模經濟」效應（economy of scale），平均大企業的ROE和效率都比平均小企業高，但中國企業的效率，反而愈大愈差。

2023年中美GDP都公布了，两国表现都不错，中国GDP同比增长5.2%，美国同比增长2.5%，中国增速是美国的2倍多。但美国GDP总量达到27.73万亿美元，中国GDP总量换算成美元后，只有17.89万亿，只相当于美国的65%左右，相比之前70%的比例，差距又扩大了。

两国GDP差距扩大的原因，主要是人民币贬值，降低了换算成美元后的GDP。还有就是美国高通胀，推高了它的GDP。

元兄，

「想像拿矽谷人工，百多万楼／二千租／人才房，大把人材会扑入来。」

小弟實在想不出世界上哪裡可以搵到這個桃花源， 所以我問了AI. AI 給出了如下答案， 大意是在發達的地方搵食，去窮地方退休， 或者是嫁給有錢佬。

You

is there a place in the world where on average a person can make over 1 million dollars and at the same time he/she just pays 2000 dollars per month for rents?

Copilot

Certainly! While it’s challenging to find a place where the average person can both earn over $1 million and pay only $2,000 per month in rent, there are some strategies you can consider:

1. Work in a Developed Country: Aim to work in developed countries like the United States, Norway, Switzerland, Australia, Denmark, or Canada. Despite higher living costs, these countries offer better earning potential. Once you’ve accumulated savings, consider relocating to a more affordable country for retirement, such as Mexico, Turkey, or Romania¹.
2. Choose Wealthier Areas: Within developed countries, focus on regions with higher income potential. For instance, the Northeastern U.S., Virginia, North Dakota, Texas, Wyoming, and California tend to have higher earning opportunities¹.
3. Avoid Certain Countries: Some countries have significantly lower income levels. Living in Chile, Turkey, Bulgaria, Mexico, or Romania may make it challenging to earn $1 million in your lifetime due to lower wages¹.
4. Consider Marriage to a Foreigner: Strategically target foreigners from wealthier nations. While not everyone from a top 10 country is rich, the average income tends to be higher than in other countries¹.

Remember that becoming a millionaire takes time, and factors like taxes and spending habits play a significant role. However, with the right approach, you can work toward financial success!