Chapter 60 - 47: Test
Net worth increases by 10% every month!
Chen Lin didn’t even need to pull out his phone’s calculator. With his "Little Mathematician" title, his mental calculation speed for pure numerical operations was faster than any computer in the world.
His current net worth was just over thirty-two thousand.
If he didn’t spend anything and relied solely on the compound growth from this title, it would be thirty-six thousand in a month. After a year, it would more than triple, reaching just over one hundred thousand.
And after five years?
In Chen Lin’s mind, numbers flowed like a waterfall, and he instantly got the result—just over 3,100 short of 10 million.
Five years, nearly ten million!
This was already a figure that would drive any ordinary family crazy.
However, what if he used a Little Red Flower to double the effect of "Little Financial Planner," increasing the growth from 10% per month to 20% per month? What would the total be after five years?
His thoughts raced, and an even more terrifying number exploded in his mind!
Over one billion, eight hundred and fifty-three million!
From less than ten million to over one billion, eight hundred and fifty million!
That was a staggering difference of more than one hundred and eighty times!
Moreover, Chen Lin knew that as time went on and the snowball of compound interest grew larger, this gap would only widen exponentially.
But firstly, although Chen Lin had never been wealthy, he understood that beyond a certain point, money was just a number.
And secondly, he couldn’t possibly do nothing and just lie at home waiting for five years.
His original plan was to use his "Little Mathematician" ability to earn enough startup capital within three years to enter the field of artificial intelligence.
So, let’s calculate based on three years!
Chen Lin started calculating again. He assumed that for the next three years, after deducting daily expenses, he would have an average net earning of ten thousand per month in the first year. In the second year, as his reputation and channels expanded, he would earn an average of fifty thousand per month. In the third year, with his business on the right track, he would earn an average of one hundred thousand per month.
Under these circumstances, with the enhanced "Little Financial Planner" title increasing his net worth by 20% each month...
After three years, his net worth would exceed eight hundred million!
This figure was enough to meet the threshold for him to enter the field of large-scale AI models!
Having figured all this out, Chen Lin no longer had the slightest hesitation.
He silently called out in his mind, opening the system interface that only he could see.
The vibrant Little Red Flower was floating quietly above the list of titles.
’Use Little Red Flower to enhance "Little Financial Planner"!’
[Confirm enhancement of title: Little Financial Planner?]
’Confirm!’
The moment his thought concluded, the Little Red Flower transformed into a brilliant stream of light and precisely merged into the "Little Financial Planner" title.
The text on the system interface changed accordingly.
[Little Financial Planner (Enhanced): Your net worth increases by 20% each month! (Current Net Worth: 32,832.5) (Time until next net worth increase: 155:32:17)]
Looking at this new line of text, Chen Lin let out a long breath.
...
June 30th, 11:57 PM.
Chen Lin was alone in his bedroom. The lights were off, and only the glow from his phone screen illuminated his slightly excited face.
He held his phone in one hand, the screen displaying his banking app’s balance, while his other eye was glued to the system panel in his mind.
Two days ago, the email with his final exam results and semester GPA had arrived.
Thanks to a month of hellish review before the exams, he had done very well this time, with all his final scores for major courses above 80.
Especially in "Appreciation of Chinese and Western Literary Trends," Professor Wang had not only given him a high score on the paper but also an extremely high grade for his regular performance, resulting in his first major course grade over 90 since starting university.
When he showed his parents his report card, the couple couldn’t stop smiling.
First, the whole family went out to eat on Saturday, splurging at a famous high-end restaurant in the city.
Then, during the day today, his mom, Lin Xiaoqi, invited his older and younger maternal aunts’ families over. She personally cooked a sumptuous feast and spent the entire meal praising her son, which made Chen Lin a little embarrassed.
Now, the clamor had faded, and his parents were likely fast asleep.
His hearing, enhanced by "Little Champion," could clearly pick up two sets of steady, soft snores coming from the master bedroom next door.
All of Chen Lin’s attention was focused on the flickering countdown on his system panel.
[Little Financial Planner (Enhanced): Your net worth increases by 20% each month! (Current Net Worth: 31,961.36) (Time until next net worth increase: 00:02:13)]
00:02:12
00:02:11
...
00:02:00
00:01:59
Based on this countdown, Chen Lin had deduced that the settlement time must be 11:59:59 PM on the last day of each month.
He hadn’t been idle these past few days while waiting. Besides continuing to study how to write neural networks in Python, he had also made some small preparations to test the settlement mechanism of "Little Financial Planner."
At this thought, his gaze fell upon his desk.
There, a small, slender, gleaming gold bar reflected an alluring luster in the faint light of his phone screen.
This was an investment-grade gold bar he had secretly bought from the bank a few days ago, behind his parents’ backs. It was worth five thousand, and the processing fee had cost him one hundred and sixty.
Chen Lin discovered that after buying the gold bar, the "Net Worth" value on his system panel hadn’t decreased.
Instead, at midnight every day for the past few days, the "Net Worth" value on the system panel would fluctuate slightly based on the daily changes in the price of gold.
In contrast, for any other consumables he bought, whether food or daily necessities, the net worth value would decrease immediately after he paid.