When you consider education and healthcare from an investment perspective, many things become completely different.

Spending tens of thousands on tutoring for children, hundreds of thousands on studying abroad, and millions on buying a house in a good school district, how much can the salary increase each month, and how long until it pays off? The return on investment just doesn't add up.

Everyone has the same medical costs, but work efficiency varies. If you're doing ordinary work, don't exhaust yourself. The consequence of many people burning their lives working is spending all their life savings in just a few days in the ICU.