The process of saving money may seem simple, but in reality, it is a tug-of-war between psychology and desires. Many people understand the importance of saving but suddenly give up on themselves at a certain stage.

When your savings reach 20,000, you might want to buy a new phone. Don't do it—this is the first hurdle.

At 100,000 in savings, advertisements for new cars flood the market. Some even borrow money to get one early. Hold on—that's the second hurdle.

By the time you have 300,000, investment opportunities seem to be everywhere. A friend mentions a project with a 30% annualized return, and you feel tempted. But taking the wrong step here could render all previous efforts useless. This is the third hurdle.

The real challenge begins at 1,000,000 in savings. This stage is the most dangerous. People's rationality starts to decline, and impulsive spending becomes commonplace. Buying a house, changing cars, opening a store, borrowing from friends—one temptation after another. Some people spend tens of thousands in a year at this stage and return to the starting point. Statistics show that the 1 million to 5 million range is the most prone to impulsive decisions.

When savings reach 10 million, the test becomes self-discipline. You need to learn to say "no"—no to reckless pursuits, no to blind expansion, no to being fooled by new trends.

Beyond 30 million, the final hurdle is humility. Revealing wealth often marks the beginning of danger.

Financial freedom is not just a numbers game; it is a battle with one's own desires. Each stage has its own traps. Some cross over, while others stumble at the closest point to success.