Chapter 408: Hae Won's Financial Philosophy
“Hae Won, are you still chugging coffee lately?” Jiang Shu asked Wu Haiyuan.
“Uh… it’s already down to five packs a day,” Wu Haiyuan said when she heard Jiang Shu bring up the old topic.
“I can’t reduce it any further; I’d really lose energy if I did,” Wu Haiyuan quickly added.
Jiang Shu raised his eyebrows at her words.
“You haven’t developed a caffeine dependency, have you?”
“No… right?” Wu Haiyuan wasn’t sure. Anyway, if she didn’t drink a few packs a day, she would genuinely feel sleepy and have no energy for anything.
Jiang Shu sized Wu Haiyuan up and down, looking at her fair and tender face, then suddenly stood up.
Wu Haiyuan was puzzled but impressed, and seeing Jiang Shu stand up, she also hastily followed suit.
But then she saw Jiang Shu wave his hand at her.
“Sit down, I’m getting my phone.” Hearing this, Wu Haiyuan sat back down.
Jiang Shu picked up his phone and dialed a number.
“Come to the company.”
“Yes, my office.”
After two brief sentences, Jiang Shu hung up the phone.
“Do I need to step out?” Wu Haiyuan asked when she saw Jiang Shu put down his phone.
“No need, I called him for you.”
Wu Haiyuan’s eyes widened slightly. Could it be…?
“A check-up?”
“You got it,” Jiang Shu said with a snap of his fingers and a smile.
Wu Haiyuan’s throat bobbed up and down.
It really is?
Chairman, do you really need to care for your subordinates this much?
Her initial familiarity with the Chairman began at the hospital, and now the Chairman was calling a doctor for her again.
What was this for?
Were they inseparable from hospitals whenever they were together?
It couldn't be that bad...
“Don’t worry, it’s just a simple consultation. After all, caffeine dependency isn’t a small issue; you still need to pay attention to it.”
Since that time he was hospitalized after drinking too much, Jiang Shu also began to prioritize health issues, realizing he couldn't just keep pushing himself because he was young.
“Understood.”
With the Chairman saying so much, what else could she do but comply?
However… Wu Haiyuan was actually quite curious to know if she truly had a caffeine addiction.
This time, Jiang Shu called a private doctor, recommended to him by Li Xiuman when he was still “alive.” It was a private hospital founded by Korea’s top medical team, specializing in the health of the wealthy.
The annual fee was hundreds of millions of korean won, not including the cost of various equipment during surgeries.
Last time, Jiang Shu was directly admitted upon arrival, and his condition wasn’t difficult to treat, so he didn’t bother going to a private hospital.
“Besides the company-arranged physicals, do you usually check anything yourselves?” Jiang Shu asked Wu Haiyuan while they waited for the doctor.
“I’m not sure about others, but for me… if the company arranges a physical, I won’t go for another check-up.”
“Every bit saved is a bit,” Wu Haiyuan said with a smile.
“You’re quite good at managing money,” Jiang Shu said, laughing. Rationally utilizing company benefits and converting them into personal resources was also a form of financial management.
“My father told me that wealth earned at a young age, exceeding the average income of peers, is easily lost. So, I should treat myself as an ordinary person and only manage these assets after my experience gradually increases.”
Hearing Wu Haiyuan’s words, a look of surprise appeared on Jiang Shu’s face.
“What does your father do?”
The consumption habits of ordinary Koreans are not like those in China, where a considerable amount of money is reserved for emergencies. Koreans primarily embrace a “life is short, enjoy it while you can” philosophy. They are not merely spendthrifts who blow money when they have it; they are believers in advance consumption, even taking out loans to spend.
Korea has the highest per capita debt ratio in all of Asia. For Wu Haiyuan’s father to say something like that…
“What does your father do?”
The company conducts background checks on every artist, trainee, and employee, but as a Chairman, Jiang Shu would look at the artists’ background checks. However, after so long, only Bae Joo-hyun’s parents were seen daily in the cafeteria, so he knew what they did. As for the others… he had long forgotten.
“My father works at the Seoul District Court,” Wu Haiyuan replied.
“A judge?”
“No, he’s just a regular office worker,” Wu Haiyuan quickly shook her head. Judges were the top tier in the court, and her old father was not one of them.
Jiang Shu nodded at her words. He felt that he hadn’t seen any family members serving as judges in the background checks of his artists.
“What your father said is very true, and it’s excellent that you can understand and implement it.”
Receiving the Chairman’s approval, Wu Haiyuan immediately smiled happily. No matter how mature she seemed, she was still just a twenty-year-old girl at her core, still very much in a phase where she needed others’ affirmation.
“Every time there’s a settlement, I immediately put the money into a fixed account to save it, then set aside three months’ worth of expenses and only spend from that amount,” Wu Haiyuan elaborated, encouraged by Jiang Shu’s praise.
“Why haven’t you given any to your parents?” Jiang Shu asked curiously.
He heard from Liu Zhimin that after every company settlement, Kim Minjeong would immediately give the money to her father, keeping only a little for herself, and would ask her father for money when she needed it.
“My mom and dad don’t agree to me giving them money. They say it’s my own money, and I should just keep it myself. This way, it can also train my money management skills and my willpower to resist temptation.”
“However, to prevent me from impulsively spending the money, that fixed account has a limit. I can spend a maximum of one hundred million korean won per day, and if I spend one hundred million korean won from it, the bank will immediately contact me and my father. For anything more, I have to apply with the bank.”
Jiang Shu listened, utterly stunned.
Don’t tell me, that really is a method.
Although such a restriction sounds absurd, the bank is happy for you to keep your money with them; they would rather you impose more limits on yourself.
And with this restriction, Wu Haiyuan can truly and effectively curb her high spending.
At most, she would be scammed out of one hundred million, which is a lot, but it would only sting a bit, not ruin her financially.
“Your financial philosophy is excellent,” Jiang Shu couldn’t help but praise her again.
“Hehe, it’s all thanks to my dad’s good teaching,” Wu Haiyuan said gleefully.
“Your father indeed teaches very well,” Jiang Shu agreed, nodding. “Is the money you usually set aside enough?”
“Yes, it’s enough,” Wu Haiyuan immediately nodded. “After each settlement, I set aside one hundred million as expenses for the next three months. Each month, major expenses include beauty salon visits and purchases of some luxury goods, which is completely sufficient.”
One hundred million for three months?
This Wu Haiyuan lives a more “frugal” life than the average second-generation rich kid.
Tsk, she really knows how to manage her finances.
