Chapter 67 - The Empress Wants to Lie Flat

“Demon Sovereign, is there any way in this world to not have to do anything and just have your money continuously increase on its own?”

That evening, after finishing her stream, Long Yue leaned back in her chair, staring blankly at the ceiling, and suddenly asked a question out of the blue.

Ever since seeing Lin Fan effortlessly earn a million yuan, she suddenly felt that her own salary of just a few tens of thousands a month, earned through diligent streaming every day, was a bit too little.

Compared to the Demon Sovereign's efficiency, hers was completely inadequate…

And so, while she was streaming, she had a flash of inspiration and thought of this question.

If only she could lie in bed every day, do nothing at all, binge dramas when she's bored, play some games, order some takeout, and just watch her account balance increase on its own every day!

Lin Fan shot the daydreaming Long Yue a speechless glance.

She had only been streaming for a little over a month, and the Empress already wanted to 'lie flat'...

“Empress, could you please be a bit more down-to-earth? Don't always be thinking of some unorthodox ways to make money. Diligently doing your own job to earn money is the proper path.”

With that, he got up and walked to the balcony.

Long Yue rolled her eyes at him irritably, giving him a look that said, 'How dare you say that to me'.

He extorted a million from someone, and yet he has the nerve to tell her to work diligently to earn money...

Anyone in the world can say that to her, but you, Demon Sovereign, have no right!

“Sigh...”

Long Yue let out a light sigh and slumped dejectedly in her chair, her face full of disappointment.

But the Demon Sovereign was right. If such a method really existed in the world, then no one would need to work for a living.

As expected, were her ideas a bit too unrealistic...?

Just then, Lin Fan returned from collecting the laundry on the balcony. He suddenly thought of something and changed his tune:

“I just remembered. The method you're talking about... it seems it actually does exist!”

“Really? What is it?!”

Hearing this, Long Yue excitedly flipped over into a kneeling position on her chair, leaning over the backrest and staring at him with eyes full of anticipation.

Lin Fan smiled slightly and said:

“Depositing money in a bank!”

“Depositing in a bank?”

Long Yue blinked, her face full of confusion.

Lin Fan put down the clothes in his hands and opened the deposit rules section in his mobile banking app, holding it out to her.

“Here, these are the bank's deposit rules.”

“As long as you deposit money in the bank as a fixed-term deposit, the money in there will grow every year according to a certain annual interest rate.”

“Hmm…”

Long Yue was completely lost. She pointed a finger at the phone screen and asked: “And what is this 'annual interest rate'?”

“It's the interest income generated within one year.”

Seeing that Long Yue still had a look of "I kind of get it but not really," Lin Fan simply grabbed a pen and paper to demonstrate with an example:

“For example, Empress, you now have forty thousand yuan in your bank account. This is the principal. If you deposit all forty thousand in the bank as a fixed-term deposit for five years, and the annual interest rate is 1.3%.”

“Forty thousand multiplied by the 1.3% annual interest rate is the interest you gain in one year. Then multiply that by 5, and that's how much money you've gained in total over five years.”

“Ooh, so that's how it works…!”

Long Yue leaned in close to Lin Fan, staring intently at the numbers and formula on the paper like a student.

After she gradually came to understand, her brows furrowed slightly. She took out her own phone and opened the calculator.

“Forty thousand times 1.3%... times 5… is only 2600 yuan?!”

“Deposited for five years, and it only grew by this little?!”

Long Yue had a look of disbelief on her face.

An increase of 2600 yuan over five years is only 520 yuan a year, which is less than one and a half yuan a day. Forget takeout, you can't even buy a cup of milk tea with that!

How long would she have to save to achieve financial freedom?

At this rate, by the time she finds a way back, the money in her savings might have grown moldy!

Lin Fan nodded slightly and explained:

“The more you deposit and the longer you leave it, the higher the interest will be.”

“Then the money This Empress deposits, can I still take it out and use it anytime?” Long Yue asked with confusion.

“No!”

Lin Fan replied instantly.

Hearing this, Long Yue put down her phone, discouraged. She flopped sideways and collapsed onto the sofa, her face full of disappointment.

“Then what's the use…”

“This Empress works so hard to earn money, only to deposit it somewhere I can't even use it, and it only grows by a tiny little bit each year.”

“Of course. Banks aren't charities. If they doubled your deposit every day, they'd go bankrupt by the next.”

“Then are there any other similar methods?”

Long Yue asked, lying on the sofa and looking at Lin Fan, unwilling to give up.

“There are!”

Lin Fan thought for a moment, then opened Yu'e Bao and Lingqiantong on his phone.

“These two are like a bank; after you put money in, you can see it increase every day. However, the interest is similar to a bank, or even lower than a fixed-term deposit. The advantage is that while it's in there, you can also withdraw it to spend at any time.”

Long Yue followed Lin Fan's lead and opened Yu'e Bao and Lingqiantong on her phone. After carefully looking at the annual interest rate income, her brows furrowed again in disgust.

“If This Empress puts in forty thousand, it will only increase by a little over one yuan a day!”

“Be content, Empress. A bank's fixed-term deposit, Yu'e Bao, or Lingqiantong—they're just ways for you to use your spare cash to earn a little extra pocket money.”

“If you're counting on this to make a fortune, you'd better give up on that idea now.”

“If you want the kind of explosive, daily increase in your balance that's visible to the naked eye, then you'd probably have to play the stock market.”

“Play the stock market? What's that?”

Hearing this, Long Yue quickly sat up and asked curiously.

“Hmm… how should I explain this to you.”

Lin Fan became pensive and explained in a way that was simple and easy to understand:

“A publicly listed company's stock will fluctuate. The so-called 'playing the stock market' is profiting by earning the price difference from buying or selling that company's stock.”

“For example, if you buy forty thousand yuan worth of this company's stock, and the next day the company's stock price rises, that increase is your profit.”

“Conversely, if the stock price falls, you will lose money.”

“Playing the stock market is a double-edged sword. The waters of the market run very deep, and there aren't many people in the world who can make money from it. You shouldn't enter the market lightly, or it will be difficult to get out.”

“I advise you, Empress, to give up this unrealistic idea and just focus on streaming. In any case, isn't the number of viewers for your daily stream increasing?”

“Before long, you might even be able to earn several hundred thousand a month.”

With that, Lin Fan picked up his clothes, got up, and walked straight into the bathroom.

The speaker may have been casual, but the listener took it to heart.

Long Yue grew pensive and, looking thoughtful, opened her phone and started searching for information about playing the stock market.

Playing the stock market doesn't sound that difficult. If other people can make money from it, then with her wisdom as the Empress, wouldn't it be a piece of cake?

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