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I recently heard a friend's savings story that really opened my eyes. He earns over $10,000 a month and has been working for over a decade, but hasn't saved a single penny. He spends whatever he earns. I was curious to know how he manages, and it turns out he uses a bank loan to save money. He borrowed $200,000 from the bank at a very low interest rate and immediately deposited the money into a fixed-term account that can't be withdrawn for three years. Each month, he uses the interest earned from the deposit, plus a little extra, to repay the loan. After three years, the loan will be repaid, the fixed-term deposit will mature, and he'll have saved $200,000. He said, 'I could never save $100,000, but I can definitely repay $100,000.' This reverse savings method is really interesting. Many of his friends have started using this approach, taking out loans to save money. The advantage of this method is that it allows you to take advantage of low-interest bank loans to save a sum of money. The downside is that you need to have a good credit record, otherwise the loan interest will be high. Additionally, you need to have sufficient repayment ability, otherwise you'll fall into debt crisis. In short, this debt-based savings method is indeed a new approach. For those who don't have a savings habit, it might be worth a try.