Li Yalin overheard the discussion about the 10 million and feltpelled to share his thoughts. “Originally, I intended to invest the money in a trust,” he exined. “However, the trusts I looked into didn’t offer the high annualized ie of 8%. I was estimating around 38%. Based on that annualized ie, after 18 years, the amount would grow to nearly 20 million. From the 19th year onward, we could withdraw interest annually, allocating some for the child’s education and living expenses. Once the child gets married, we could withdraw a lump sum of one million dors. If there are more than two children, we would divide two million dors equally among them, while the remainder stays in the trust…”
As Li Yalin shared his n, his daughter Be interjected, “Dad, we can’t put that money into a trust anymore! If we do, it will be 18 years before we can ess it. There’s so much uncertainty ahead. For instance, if you decide to move to Houston to live with us, we’ll need a bigger house since we’re expecting a child. Archer and I don’t want to stay in a city apartment; we’d prefer to live here and have you help with the kids. If we have more than one child, we might even need to hire extra help and purchase various necessities. We’ll need funds for a lot of things…” Li Yalin turned to Be and asked, “So, how do you propose we manage the 10 million?”
Be took a moment to think before responding, “Dad, here’s my idea: let’s allocate one million dors for a house. We could purchase a vi that’s closer to the city,rger, newer, and better. We should also upgrade other essentials like food, clothing, cars, and home appliances. The remaining funds could be ced in a more flexible financial management ount, allowing us to withdraw as needed.”
Archer chimed in, “Absolutely, Dad! This approach gives us more flexibility. With this financial support, we can ensure Be has afortable experience at a better private hospital for her pregnancy check-ups.”
Li Yalin hesitated, then sighed, “Alright, as you suggested, we’ll allocate one million for the house, half a million for family expenses, and another half million as a reserve for flexible withdrawals. As for the remaining eight million, I’ll entrust it all to your mother. She will have the final say on the specific arrangements.” <h3 style="background-color:DodgerBlue">
Be couldn’t help but question, “Dad, if I’m only taking out two million, doesn’t that seem a bit insufficient? Why don’t we take out three million initially?”
Li Yalin waved his hand dismissively, “I’ve made my decision on the allocations. If you need more funds, you can discuss it with your mother.”
Turning to his wife, Holly Chen, he asked, “What do you think, Holly?”
Holly Chen paused for a moment, then smiled, “Li, if you’re worried about giving me the money, remember it’s not just eight million altogether. Just ce it in a short-term trust, and we can withdraw one-eighteenth each year over the next 18 years. We’ll decide together how to manage the funds we take out.”
Li Yalin felt a bit surprised but soon realized that Holly understood their children were taking this financial matter quite seriously and didn’t want to directly manage the funds themselves.
With a soft sigh, he agreed, “Okay, let’s proceed with that n.”
He then added, “By the way, if we’re going to look for a house, let’s act quickly. I have to leave for another ce in a few days to assist an old friend with something rted to Miss Fei.”
Holly Chen quickly asked, “What’s the matter? Is it dangerous?”
Li Yalin smiled reassuringly, “Don’t worry; it’s just an investigation. There’s no danger involved. The old man is searching for his grandson, who has been missing. He just needs my help to locate him.”
Holly Chen breathed a sigh of relief. Looking at her daughter and son-inw, who were clearly excited and exchanging nces, she sighed softly and stood up. “Alright, Li, it’s gettingte. Let the kids head back now, and we should both get some rest.”
Be and Archer didn’t hesitate to agree, eager to continue their conversation. They quickly said their goodbyes and drove back to their apartment in the city.
Noticing Li Yalin’s distant expression, Holly Chen gently asked, “What’s on your mind? Are you feeling disappointed?”
Li Yalin responded with a bittersweet smile, “A little… I guess I am, but I understand their perspective, which makes it all the moreplicated.”
Holly Chen nodded with sincerity, “Li, remember not to challenge human nature. It’s as vast as the universe but can also be as minute as dust.” <fn0d98> Th? link to the orig?n of this information r?sts ?n F?ndNovel</fn0d98>
With that, she shifted the conversation. “But even the universe has its limits!”<h3 ss="has-text-align-center wp-block-heading" id="chapter-list"><strong></strong>