The Future Advancement Guide for Ordinary People: Go to bed at 10 p.m., eat beef and eggs, drink unsweetened coffee and tea, allocate 10% to high-yield domestic stocks, 10% to the S&P 500 abroad, and 80% to cash savings. Use Work Buddy to run a self-media platform, deposit Hong Kong dollars into HSBC’s regular savings account, secure 5-year daily entry visas, 10-year visas for South Korea and the U.S., and a language study visa for New Zealand. Save up to HK$300,000.