Here's a simplified version:

I have a classmate who five years ago earned over 10 million yuan. Instead of buying a house or investing in stocks, he deposited all the money in a bank, living off the interest each year. Although this is a safe approach, it may struggle to keep up with inflation. Even with a 3% annual return, he only earns 300,000 yuan in interest annually. I suggested he consider investing some of the money in stocks or funds for higher returns, but he felt unsure due to lack of experience and fear of losing money. He prefers to stick with his safe but low-growth strategy. I think diversifying investments could potentially grow his wealth more effectively in the long run, but it's ultimately his choice whether to explore new opportunities or stay conservative.