They save the money they earn for a rainy day. Therefore, for every 1000 rupees, they will take out 300 rupees for food and life, 250 rupees for children's education, 250 rupees for medicine, and the rest for savings. They retained this formula. When they have saved enough money, they still adhere to the same formula. They still won't buy a big car, luxury clothes, etc. If they can invest, they will invest in houses and provide education for children. They will not spend their money on luxury goods. They will consider every expenditure and consider it as an investment.
他们赚的那点钱，他们存起来以备不时之需。因此，在每1000卢比中，他们会拿出300卢比用于食物和生活，250卢比用于儿童教育，250卢比预留用于医药，其余用于储蓄。他们保留了这个公式。当他们攒够了钱，他们仍然坚持同样的公式，他们仍然不会买一辆大汽车、豪华衣服等。如果他们可以投资，他们会在房子里投资，并为孩子们提供教育。他们不会把钱挥霍在奢侈品上，他们会考虑每一笔开支，并将其作为一项投资。
Their food is still the same, without luxuries. Their clothes are decent enough, and they won't spend more on them! When they can invest in business, they will only invest in projects with strong reliability and profitability. This is why they finally have large enterprises. In the end, they only make money because of money. They are also very clever in taking advantage of the greed of others. They "purchase" the indispensable things of the local people, let them rely on them, and let them become their facade. These Indonesian Chinese do not like to be conspicuous, and they are fully aware that this may cause jealousy.
他们的食物仍然是一样的，没有奢侈品。他们的衣服就够像样了，不会在上面多花钱！当他们可以投资于业务时，他们只会投资于可靠性和盈利能力强的项目。这就是他们最终拥有大型企业的原因。最终，他们只是因为有钱而赚钱。他们也非常聪明地利用他人的贪婪。他们“采购”当地人不可或缺的东西，让他们依赖他们，也让他们成为他们的门面。这些印尼华人不喜欢引人注目，他们充分意识到这可能会引起嫉妒。
Then I began to look around and found a lot of evidence about this theory around me. I have an Internet development office in Jakarta. I rented an office in a three-storey building. There is a dirty shop on the first floor, where the owner has his own shop. He sells gold and silver ornaments. He is an Indonesian Chinese. I often chat with him. He is a simple man who wears basic clothes and has nothing fancy. He drove a pickup truck to his shop. One day, I asked him about his children. He said they were studying in Canada. He complained that the cost was too high, but later I heard that they were excellent students and lived in a good housing area there. He said, "This is an investment in their future.".