【Extra】

The system ran away as soon as it said so, and Feng Jinghua could only rely on herself.

She taped a note to her bedroom wall, with the words, "Study! Take a test! Get rich!!!" written on it in colored highlighter.

After that, I made a concerted effort and devoted all my spare time to endless learning.

With the change in his daily routine, Feng Jinghua gradually regained his good learning state.

By combining recitation and memorization with watching teaching videos, you can master the knowledge points quickly.

Even though this is the case, too much time was still wasted in the first half of the year.

Feng Jinghua only had time to read the book twice and watch the teaching video three times before the exam day arrived.

I actually know whether I am fully prepared or not.

Last year, Feng Jinghua walked out of the examination room with full confidence, thinking that she would pass the exam. This year, after finishing the examination paper, Feng Jinghua was restless and felt very uncertain.

She estimated the score and thought that the real score was probably between 57 and 63. However, the fluctuation of one or two points is the difference between passing and failing.

What's more, if you pass the CPA exam, you can get a promotion and a raise immediately. If you fail, everything will be put on hold.

It would have been better if I had started preparing for the exam in the first half of the year. Feng Jinghua sighed, feeling quite annoyed.

**

Autumn goes and winter comes, and in the blink of an eye it is the end of the year.

When the test results came out, Feng Jinghua held her breath and checked her scores online. Her fingers trembled and her heart beat wildly as she entered her identity information.

Information entry completed.

Sure.

Page jump.

I passed all three subjects! The lowest score was 61, just barely passing.

Feng Jinghua, "!!!"

Her face flushed and she almost screamed. Then she realized her daughter was still doing homework next door and hurriedly covered her mouth.

Great, great, I passed all six subjects!

For the first time, Feng Jinghua discovered that her luck was not bad.

But on second thought, she felt that it seemed a bit far-fetched to attribute everything to luck.

If you don't study hard before the exam, you will miss not two points, but twenty points. In this case, no matter how lucky you are, it will be useless.

I was not sure about some multiple-choice questions. Who can guarantee that the reason I was able to choose the right one was not because I had an impression of it during training, so my subconscious mind was able to make the correct choice?

"Who cares?" Feng Jinghua was thinking about it and felt a headache.

She simply put aside all distracting thoughts. She said happily, "It's OK as long as I pass the exam. The rest is not important!"

**

Obtaining a CPA professional certificate is not an easy task.

First, you need to pass all the subject exams at the professional stage.

Then pass the comprehensive stage subject examination.

After obtaining the full certificate, you can apply to become a non-professional CPA.

You must have been engaged in auditing work for more than 2 years before you can apply to become a CPA professional.

It took Feng Jinghua five years from the first time he started preparing for the exam before he obtained his CPA certificate.

While accumulating work experience, she also took the senior accountant qualification exam.

In a blink of an eye, Feng Jinghua is already 38 years old.

While her peers are beginning to experience a mid-life crisis, she is becoming more and more popular, with her income increasing year by year.

Every once in a while, she would receive calls from headhunters asking if she was willing to change jobs.

At this time, Feng Jinghua's annual income, including monthly salary and year-end bonus, was more than 300,000 yuan.

If the company's performance is good, the year-end bonus is large, and you can get 370,000 or 380,000 yuan a year. Sometimes the company's performance is not so good, and the bonus is reduced, but there is always 300,000 yuan.

In order to recruit her, the headhunter offered her a high salary of 500,000 yuan per year and even promised to give her equity rewards if she worked for him for 5 years.

Feng Jinghua was moved. She did not reject the idea outright, but only said that she needed time to think about it.

The headhunter agreed.

After the call, Feng Jinghua analyzed the pros and cons.

I have been working in this job for a few years. The income is relatively low, but the benefits are good and I don't have to work overtime. In my spare time, I can go out to travel or take exams to improve myself.

The headhunter invited her to change jobs to a new company that had been established for two or three years. Although the salary was high, the work was numerous and complicated, and she had to work overtime for at least three days a week, with no upper limit.

The only thing that made her hesitate was the stock reward. If she owned the company's stock, she could get a large dividend income at the end of the year even if she did nothing!

Taking another CPA colleague in the same company as an example, his salary plus year-end bonus is 360,000 yuan, which is similar to hers.

But just because he joined the company earlier than her and was a backbone of the company, he received equity rewards and could get an additional dividend income of 300,000 to 500,000 at the end of each year!

It's impossible not to be envious.

Feng Jinghua had long hoped that she could also receive equity rewards. Unfortunately, she waited and waited, but that day never came.

When she heard about the equity benefits after changing jobs, she was really troubled for a while.

Before they could figure out what to do, a major event happened in the company: the factional dispute intensified. One party succeeded in reaching the top, while the other party failed and left, saying that they wanted to set up another company.

There was nothing wrong with leaving, but the problem was that when he left, he took all the people from his faction (his confidants) with him.

For a time, elite backbones left the company and the company was in turmoil.

Feng Jinghua was thinking that she might as well just go along, but she was a beat too slow.

The new general manager found her first, said a lot of comforting words, and finally said that the company would never treat meritorious officials unfairly.

Considering her qualifications and her contribution to the company over the years, she is eligible for equity rewards.

In fact, I have already found a way out. I will submit my resignation application one day later. Feng Jinghua, "..."

After calming herself down, she said solemnly, "The company is in trouble. As an employee, I will never abandon the company at this time!"

The general manager admired the loyalty of old employees very much. Just as a large number of key personnel resigned and some senior positions became vacant, he decided to promote Feng Jinghua.

For a long time, Feng Jinghua thought she was dreaming after she got a promotion and salary increase for no apparent reason, obtained company shares, became a senior executive, and earned 600,000 to 800,000 yuan a year.

She thought she didn't do anything, so how come a pie fell from the sky and made her a winner in life?

Later, Feng Jinghua realized that this was the so-called "opportunity".

In one's life, there will always be a few opportunities, more or less.

Some have no threshold, while others require an entry qualification certificate.

For example, junior accountants in the same department were also very determined to stay and vowed to live and die with the company. However, apart from a 500 yuan salary increase per month, they got nothing else, let alone equity.

All senior talents who have obtained the senior accountant qualification certificate/certified public accountant professional certificate have been promoted and given salary increases and have been reused.

Among them, she and another person benefited the most.

Because she has both the Advanced Accounting Certificate and the Certified Public Accountant Certificate, while the other person has obtained the Certified Public Accountant Certificate and ACCA (International Certified Public Accountant).

Calculating her annual salary, she can buy a house in two years with full payment, and a small villa in the suburbs in three years. Feng Jinghua was filled with emotion, "The system is not a lie, the certification is really useful."

**

Ten years later.

Feng Jinghua, 48, owns multiple properties including apartment buildings, villas, and office buildings. Not counting the income from real estate rentals, the income plus equity dividends alone can earn him nearly one million yuan a year.

Looking back, she divides her life into three stages: the first stage is before the age of 33, the second stage is from 33 to 38, and the third stage is after 38.

Even if you work from 9 to 5, the results at each stage are different.

Before she was 33, she and her daughter almost starved to death.

When you are 33-38 years old, your income and expenditure are barely balanced and there is no hope of buying a house.

After the age of 38, working hours are significantly reduced, and spare time is gradually increased, and it is completely at my disposal. I can travel, go shopping, and watch TV series as I like. It's very comfortable.

More importantly, the increase in leisure and entertainment time does not lead to a sharp drop in income. On the contrary, as the company continues to develop, the dividends at the end of each year will increase.

In the past two years, even if Feng Jinghua quit his job, as long as he still held shares in the company, his annual income would be more than 500,000.

Standing by the window and looking far away, you can have a panoramic view of the entire city.

Feng Jinghua thought that she was tired after working hard for so many years, and maybe it was time to give herself a long vacation.

You know, her dream when she was in college was to travel around the world!

Now that I have money and free time, it's time to realize my dream.

While I was thinking, 23-year-old Feng Qiuting walked in. She bit her lip and called softly, "Mom."

Feng Jinghua gathered her thoughts. She smiled and asked, "Tingting, you are a senior this year. Have you decided what to do after graduation?"

Feng Qiuting: "I came here just to tell you about this."

Feng Jinghua didn't understand what her daughter was worried about, but she smiled and comforted her, "Mom is not a pedantic person. You can take the civil service exam, the postgraduate entrance exam, or go out to find a job. It's up to you."

Feng Qiuting lowered her head, not daring to look at her mother's face, "Mom, I want to learn comics."

Feng Jinghua, "???"

What the hell?

Feng Jinghua was stunned and couldn't react for a long time.

"I said, I want to be a cartoonist." Feng Qiuting spoke quickly. She was afraid that she would miss this opportunity and never have the courage to speak out again.

"To put it simply, I make a living by drawing comics. I can submit my work to magazines or serialize it online."

"I know that the comics industry in China is not well developed at present, and it is not easy to support oneself. But... our family is not short of money, right?!"

The amount of information was so large that it took Feng Jinghua a long time to digest it.

She was extremely puzzled. "Why do you suddenly have this idea? I've never heard you mention it before."

"My mother always tells me to study hard, get into a good university in the future, and then find a job with high salary and good benefits like you. Do I dare to ask for it?" Feng Qiuting said in a muffled voice.

"If my family hadn't bought a house and a building in the past two years, I would never have said it."

Feng Jinghua felt that this was unreliable. "Have you ever learned to draw? As a cartoonist, do you have a guaranteed income? Can you find a company to pay for the five insurances and one housing fund like other people?"

Feng Qiuting answered them one by one, "When I was in college, I signed up for a class and learned it secretly. I also joined a painting club in college, and I learned a lot from my seniors."

"Cartoonists are freelancers with no guaranteed income. They usually submit their work to magazines and are paid according to the number of submissions. Currently, because I am a newcomer, the price I am paid is low, and I can earn about 2,000-2,500 a month."

"Without a company, there are no five social insurances and one housing fund. If you want to pay, you need to go through the procedures yourself."

Feng Jinghua was even more opposed. She patiently reasoned, "2,500 yuan a month, is that enough for your degree from a key university? You studied accounting like your mother, and you can earn a lot if you study hard and pass the exam! There's no need to work in such a messy industry."

Feng Qiuting finally couldn't hold back any longer. She raised her head, her eyes red, and yelled hysterically, "From childhood to adulthood, it's always about exams and certifications. I'm almost sick of studying! Why do you always force me to do things I don't like?!"

As soon as she finished speaking, she ran away angrily.

Feng Jinghua has been a single mother for more than 20 years. This was the first time she quarreled with her daughter and she felt helpless.jpg.

**

After Feng Qiuting left, Feng Jinghua sat back on the sofa, speechless for a long time.

She wanted to tell her daughter that there were not many people in this world who really liked their jobs. They just did it out of necessity to make a living.

Beautiful clothes, delicious meals, comfortable living environment...these all require money.

She started taking exams when she was over 30, and it took her five years to complete the exams. During this time, she almost gave up all her leisure and entertainment. Isn't she tired? But for the sake of her daughter and the family, she had to force herself to do it no matter how tired she was!

If they hadn't been so ruthless back then, how could the mother and daughter be living the good life they have now?

Sometimes, until today, you are still forced to rent a dilapidated old house, unable to afford to get sick, buy the clothes you like, travel, and take leave!

When she graduated from a non-key university, she found a rather unreliable job with no social security and a stable salary of 2,500.

Now, more than 10 years have passed, prices have soared, and the average salary is twice as high as before. My daughter graduated from a key university and actually plans to become a freelancer!

There is no company to pay for social security, and the income is unstable. During the peak period, I can only get a monthly income of 2,500, and during the low period, I may not be able to support myself...

This is ridiculous!

Feng Jinghua even wondered that graduation season was coming soon, and was her daughter under too much pressure, which was why she was having so many wild thoughts?

However, her daughter's desperate eyes and collapsed expression lingered in her mind.

No matter how right she thought she was, she felt a pain in her heart every time she thought about it.

With thoughts flying around and distracting ideas piling up, Feng Jinghua became more and more confused.

What is the right thing to do?

What should she do?

Unfortunately, no one can answer.

Feng Jinghua held his forehead and sighed deeply, "If only the system was still there..."

**

The next day, Feng Qiuting appeared at the dining table with swollen eyes and looking haggard.

Before her mother could scold her, she spoke first, "It doesn't matter if you disagree. I will find another way."

"People who are not financially independent have no say, so after graduation I will look for a job and get all the necessary certificates."

"When I'm as rich as you, I'll quit my job and do what I want."

By then, no one could stop her from pursuing her dreams.

Feng Jinghua had a complicated expression, "So no matter what, you still want to draw comics?"

"Yes." Feng Qiuting said frankly, "This is a job I really like. Even if I don't make money, even if I remain unknown for the rest of my life, I still want to do it."

Feng Jinghua was in a heavy mood and sighed melancholy, "Have breakfast first, then bring your ID and go out with me later."

Feng Qiuting, "?"

She didn't understand and looked at her mother in confusion.

Feng Jinghua didn't say much, just ate breakfast in silence.

**

An hour later.

Feng Jinghua went to the notary office to notarize that she decided to give the office building and another newly renovated house under her name to her daughter free of charge.

Upon hearing this, Feng Qiuting was stunned.

She knew that the office building was the most valuable property under her mother's name.

At that time, my colleagues in the company swore that housing prices would rise and office buildings would become more and more valuable in the future. My mother was tempted by what she heard and happened to have some spare money, so she spent two million to buy a floor.

Who knew that the house price would fall after I bought it.

One year, two years, three years...house prices continued to fall.

My colleague couldn't bear it anymore and thought he was unlucky, so he sold the office building.

When my mother calculated the rental-to-sale ratio, she found it was 3%-4%, which was about the same as depositing money in a bank, so she took the money with peace of mind.

The housing market has picked up in the past two years, and office rents have been rising year by year. Last year, the tenant renewed the contract and paid a lump sum of 120,000 yuan, which was considered the rent for the next year.

As for the new house, it has a large area, a good location, a regular layout, and is also a school district house.

Feng Jinghua told her daughter, "With my own house and office space to rent out, I can always make ends meet no matter what happens in the future."

"You have been sensible since you were young, which makes people worry less. You can decide for yourself how to go in the future."

"Mom is old, and I don't understand a new industry like comics. There's only so much I can do to help you."

Before she finished speaking, Feng Qiuting hugged her mother and burst into tears, "Mom, you are the best mother in the world!"

Feng Jinghua patted her daughter's back gently, her face full of love.

Suddenly, she recalled what the system said before it left, "...even if the hobby cannot make money, or even requires losing money, as long as the person is willing, there is nothing wrong with it."

This, she thought, was probably the meaning of making money.

Work hard for money when you are young, so that when you get older, neither you nor your children will be bound by money.

**

Another ten years passed.

Emerging industries are booming.

Feng Qiuting has been honing her painting skills day after day for ten years, and her level is getting higher and higher.

It happened that a well-known domestic comic website was holding a competition, so she signed up and won the championship with her exquisite painting style and interesting storyline!

Feng Qiuting became famous overnight.

Her work is praised as a "masterpiece" and is loved by thousands of fans. Some people even plan to buy the copyright and make it into a live-action movie.

…

The reporter interviewed her and asked her how she could achieve such great success at such a young age.

Feng Qiuting had tears in her eyes, "I have to thank my mother for all this."

"In the past, many people advised me that the comics industry had no development prospects and was not worth working in. But my mother paved the way for me, allowing me to move forward without worries."

"Without her, there would be no me today."

“I’m so lucky to be her daughter.”

If her family doesn't support her, she can only work hard to obtain a certificate, and then pursue her dreams after she becomes financially independent.

But in this case, if the website holds a competition, she will definitely not be the winner.

One wrong step leads to all wrong.

No one knows whether she will still be as lively and energetic as she is today after experiencing the hardships of life.

Every time she thinks back on it, Feng Qiuting feels extremely fortunate to have an open-minded mother.

And what about Feng Jinghua?

She is extremely grateful to herself for gritting her teeth to take the exam between the ages of 33 and 38.

If she had given up at that time, not only would her life be affected, but her daughter's life would also be changed.

The author has something to say:

Author's Science

Living in a subdivided flat, the "neighbors" around are either drug addicts or gangsters. The former borrow money everywhere, and the latter carry knives as if they are going to chop people.

This kind of environment is not good for children. However, the family moved several times, and each time they could not escape the similar environment.

Because housing prices in Hong Kong are too high, poor people cannot afford to rent better rooms.

**

Regarding equity dividends, I will explain it in detail later.

I originally wanted to divide it into two chapters, but if I separated them, the second chapter would be too short, so I had to merge them...

**

Featured Reviews

At the age of twenty, I regretted not having started working hard at the age of ten, and ended up failing the college entrance examination.

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It would be so sad if only regrets were left in life!