Reaching the age of thirty, my income randomly doubled

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Chen Pingsheng borrowed two hundred million from his wife for turnover.

He used it to accelerate the development of Tengsheng Fresh Produce.

Aside from the profits distributed on the 15th of each month, his wife's side also had fifteen days' worth of operational funds for Water Cloud Space as well as a 30% contingency fund.

The fifteen days' operational funds are easy to understand; it means that the money for the 1st to the 15th is not disbursed.

Only the dividends from the 1st to the 30th of the previous month are distributed.

All traditional stores retain at least ten days' worth of business funds.

As for the 30% contingency fund, it is something that is reserved every month.

Tengsheng Fruit does the same, such as if there's a hundred thousand in profit for the month.

Only seventy thousand would be distributed; the remaining thirty thousand would be regarded as a contingency fund.

This money is not typically used, but when there's a major market change or policy or something.

The contingency fund can ensure the enterprise weathers through a risky period.

The more contingency funds accumulated, the stronger the enterprise's ability to withstand risks.

After experiencing a slight shortage of funds,

the heads of three major banks came to him simultaneously.

"Mr. Chen, when will you take care of my business? With five to ten billion in funds, all you need to do is pledge Water Cloud Space's shares as collateral, and I guarantee I can give it to you within three days."

"My side can also provide you with five billion, you just need to mortgage Tengying's shares."

Many people think you have to please the bank to get a loan, but that's a mistake.

For truly high-quality enterprises, banks are the ones begging you to borrow money.

Forget about pleasing the bank president; it's actually the president who pleases him.

Chen Pingsheng cordially invited them to a meal before sending them off.

He himself wasn't really short of money; he could mobilize funds of no less than five hundred million at any time.

Water Cloud Space and Tengsheng Fruit both had substantial risk capital.

Borrow money from the bank?

When times are good, naturally there's no problem, but once they turn bad, that money becomes a deadly golden hoop.

He has always operated within his means.

He never leverages bank funds to speculate on real estate, storefronts, or to grow his company.

Though the pace of development might be slower, it is stable.

When the market tide rises, those bosses who developed their enterprises with high leverage certainly look glorious.

But once the market ebbs, these people run faster than anyone else.

If you don't run, you're waiting to die.

He doesn't need to worry; if the market really deteriorates to such an extent, let's see which enterprise can't hold up.

He doesn't believe that out of so many enterprises, not a single one can survive.

If such a day ever comes, it would only mean one thing: war has broken out.

Otherwise, he has always adopted a conservative approach to growth. Small risks are entirely negligible, while large risks can be weathered for a while with the contingency fund.

There will never come a day when everything can't hold up.

The market is unpredictable, and no one knows what will happen in the future.

What Chen Pingsheng can ensure is to remain prudent and not act blindly.

The money borrowed from his wife also needs to be repaid.

It's important not to affect the development of Water Cloud Space itself.

Before long, it was the end of May again.

Tong Zelan called him for a trip to Shanghai.

In Capital City, the officials are lesser; in Magic City, there's less money.

There, unless your net worth reaches ten billion, who dares to claim they're affluent?

Fei Yangyang's Series C funding round was starting, along with Bobo Milk Tea's IPO plans and Hua Qiangu's merchandise sales plan.

He had to make a personal visit.

From Capital City to Shanghai is a full 1200 kilometers, just about two hours by plane.

Chen Pingsheng brought two bodyguards and a lead attorney before setting off for Magic City.

Tong Zelan's Honglan Capital is located right by The Bund; a building with a majestic Republican Era architectural style.

Only when you reach The Bund can you truly understand what is meant by 'finance city of Ten Li Foreign Market.'

In this place, luxury is in the air.

If you're wealthy, it's paradise here.

If you're not, even the most remote hostels charge three hundred a night.

This starkly describes the extreme disparity between rich and poor.

Upon landing, the person who came to meet Chen Pingsheng was Tong Zelan herself.

She was in an extended Phantom driven by a chauffeur.

Following behind was an Alphard.

The bodyguards and attorney he had brought along occupied the vehicle behind.

The extended Phantom offers a high degree of privacy; sitting inside, one can barely hear noises from the outside.

It only feels as though the scenery is moving backwards as they move forward.

The journey from Hongqiao Airport to the renowned Nanjing Street exuded scents of perfume.
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Unlike the low-key Guangdong area, Magic City places a high value on the tastes of the bourgeoisie.

Termed as having a mood.

There, coffee shops are everywhere, on the sides of the road and in the heart of the streets.

Sitting there for a couple of drinks exudes ultimate bourgeois sentiment.

En route with Tong Zelan to Honglan Capital, her primary goal was to introduce him to a few individuals.

The middle-aged man wearing glasses and in a well-pressed suit was none other than Shen Nanpeng.

Known for investing in nearly half of the internet sector.

He managed investment funds on the scale of hundreds of billions.

To his left, the lady resplendent in jewelry was the investment queen Xu Xin, who had risen to fame by investing in JD.

Beside her were two others; one was the well-known descendant of the Guo Family from Xiangjiang.

A third-generation heir from a top-tier family.

The other was the local stock market legend, a financial magnate with the surname Xu.

All these magnates weren't there just to meet him.

Rather, they were waiting for an up-and-coming internet star, who specialized in content distribution and short video recommendations.

According to him, what he's doing perfectly caters to modern fragmented time usage.

With powerful computing capabilities for information, the goal is to let users encounter their favorite pieces of information or short video content effortlessly.

No matter how simple it sounds, the difficulty of actually achieving this is akin to reaching for the heavens.

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