Later, an investment and financial management website in the United States passed a survey and found that 76% of Americans rely on weekly wages to live, about 22% of Americans save less than $100 and cannot cope with any urgent need for money, and 46% of people save less than $800.

Isabel Walton, who graduated from the Annapolis Naval Academy, can be said to be completely out of these three types of Americans. First of all, after going through a brutal screening, they entered the cradle of the country's most core elite officers. After enrollment, the school will give her a stipend according to the treatment of a non-commissioned officer (E-5), and the most important point is that the tuition fee is free! It can be said that she has no job and does not need to rely on her weekly salary, she only needs to rely on the non-commissioned officer allowance to live.

Secondly, needless to say, she didn't have $100 or $800 in savings, not even $10 in savings. In her words: "Life experience from childhood has taught her that it is not a matter of saving, because the government has various programs in place to help citizens save money. The United States has focused on producing material goods from 1930 until 2017, when she graduated, and their culture has become very commercial. ”

"After 2000, the United States gradually invented a lot of technology and adopted more convenient ways to make the lives of citizens easier and simpler. Therefore, she will feel that she can easily forget the most important things such as buying a house, buying a car, etc. If you really want to save money, don't buy too often, and think carefully about every item you buy. ”

In this way, Isabel's lack of saving money is mainly reflected in the fact that she likes to overdraft and pay in installments like most Americans. Compared with ordinary people in East Asian countries with Confucian culture, who are good at saving, she is the kind of person who does not have the concept of "accumulating grain to prevent hunger", and spends as much money as she wants, and borrows money to spend if she has no money.

Of course, her preference for overdrafts and installments is the well-established social security system established by the government after World War II. In the event of an accident, there is social security. Got sick and had Medicare. Can't find a job or be laid off, there is unemployment insurance. However, behind the social security system is a high level of taxation and a high level of daily consumption.

Let's assume that Isabel graduated from small-town Dallas high school and was not recommended for admission to the Naval Academy, nor was she admitted to any private or public university in Texas or on the East and West Coasts. Then, her future fate will only be, and can only be, a cashier at KFC, McDonald's, or Walmart, and a supermarket cashier earns up to $30,000 a year.

It looks like she has an annual salary of $30,000, but her life is very hard. After deducting various taxes such as state taxes, federal taxes, Social Security taxes, excise taxes, etc., she could only get $20,000. It's a measly $20,000, which she has to use to pay for all kinds of daily expenses.

For example, the cost of going to a better restaurant starts at $40, the cost of a cell phone starts at $40, the mineral water sold by vending machines starts at $2.5, and the rent for a single apartment is $800-$1,200 a month. Oh, the damn car is a must-buy. After an afternoon of picking and choosing between the used car market, Isabel fell in love with a 2008 Ford Exciator XLT.

The black Ford Exator XLT has already run 96,212 miles, with more than 3,700 miles to go before it reaches 100,000 miles. With a displacement of 3.0 liters, a V6 engine and a 4-speed automatic transmission, the performance of the vehicle is still good. The most important thing is the selling price, which the dealer quoted at $6,099, which she is very happy with. Still, she liked the second-hand 2017 silver Ford Espa SE next to her, but the offer was so expensive that she had to pay $18,500.

Now, the car is bought in installments, but I don't dare to crash easily. Because, the labor cost of repairing the car can easily cost her thousands of dollars. There are also medical insurance and car insurance, a month's living expenses, meals plus eating out, Internet and TV expenses, clothes and cosmetics, electricity and gas money, and so on. All of these expenses had to be paid for from her $20,000.

Such an assumption is likely to come true. Therefore, Isabel wisely chose the path of joining the army. The benefits of being among the ranks of military personnel, who account for only 1% of the country's total population, are self-evident. The Naval Academy is a state school with free tuition and a stipend. All in all, she thinks she is more comfortable than the typical middle class, and when she has money, she spends it, and she spends it hard.

With this kind of life experience in later generations, her consumption habits still cannot be completely changed after crossing time and space. After a long period of poverty and wealth, Isabel was faced with a large amount of land, estate, and gold and silver treasures of her own, and she really did not know what to do with the real estate and cash. In the end, she had no choice but to spend the wealth according to her old spending habits.

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After becoming the lord of the Church Hill Manor and the owners of the nearby farms, ranches, and handicraft farms, Isabel was still so "poor". So much so that Matthew, the father of the valet Anne, a chef who cooked in the kitchen of the Duke's Palace, saw this.

"Mademoiselle, you are kind, merciful, and sweet......" said the cook, and Isabel almost burst out laughing.

Perhaps in the eyes of the Cook family, she has become the representative of the Virgin Mary in the world. In fact, she is a dueling arena master who kills people without blinking an eye and is known for her fastness and ruthlessness. Perhaps she was really looked down upon and pitied by the Virgin Mary, and was not killed by others during her years in Richmondshire.

The cook looked at her respectfully, "However, you are now a woolen merchant, and the commercial trade you engage in does not allow you to be so generous and benevolent. The expenses are too large and the income has been decreasing, which is not what a successful wool merchant wants. ”

Isabel nodded, she knew what her problem was. She was so kind to the vagrant hire-workers, monks, and nuns she had recruited, and spent all the money she could have saved on them. Negative reinforcement of employees' behavior is not carried out in a timely manner, and some coercive and threatening methods are used to increase the sense of urgency of employees, so as to create more surplus value.

Staring at the rather anxious cook, Isabel's face looked solemn, "Matthew, I'm grateful that you told me about the bad things you saw. I feel that these people are pitiful, so I want to do my best to help them. ”

Supervisor George Field nodded, but explained his thoughts from another angle, "Miss, these homeless hired workers do deserve sympathy. But what is your purpose in setting up a workshop? Isn't it for the sake of gaining wealth from the industry? ”