#Liquidity Trap
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The Vanlife FIRE Delusion: Auditing Depreciation, Off-Grid TCO, and Liquidity Traps
While mobile early retirement is sold as cheap freedom, an RV is a rapidly depreciating liability. With a 60% value loss over five years and monthly TCO topping 7,000 RMB, uncalculated Vanlife FIRE easily shatters off-grid financial security.
The Geometry of Chinese Household Wealth: Medians, Upper Deciles, and the Liquidity Trap
Drawing on authoritative surveys from the PBOC, CHFS, Hurun, and UBS, this essay deconstructs the wealth pyramid of China's 494 million households. Behind the statistical illusion of property-driven net worth lies a profound structural divide: a national median of 500,000 RMB, an urban median of 1.2 million RMB, and a paralyzing liquidity freeze.