National Tide 1980.

Although unmarried people may worry about love, in fact, the stage of life without marriage is relatively easy and happy.

Because if you don’t get married, you only have one worry.

Once you get married, the worries become countless.

This is true even for a high-quality marriage like that between Ning Weimin and Matsumoto Keiko.

Even though Ning Weimin already has a wife and daughter, he has a very good relationship with his wife and children, and his career is also thriving. It can be said that a harmonious family brings prosperity.

But how to balance career and family, how to ensure his daughter's healthy growth, and how to meet the emotional needs of the elderly in both Tokyo and Beijing as much as possible are all things that have been bothering him for a long time.

Not to mention that as he becomes more and more successful, there will be more and more slutty women drooling over him around him.

It is possible that there will be more and more enemies who come into conflict with him due to commercial interests.

He will encounter many troubles and problems that need to be solved in the future.

Such potential risks and pressures are far beyond what ordinary people can imagine and bear.

Therefore, even the rich who can solve most problems with money have the same marital status.

Not to mention the worries that ordinary people who have to struggle for money and work hard for life every day will have.

As for this point, in fact, you only need to look at the young couple Yujiro Sakai and Midori to know.

This young couple has perfectly demonstrated the truth that "a poor couple has many sorrows" in real life.

This year, due to insufficient estimation of the risks of financial lending, the wrong approach of robbing Peter to pay Paul, and greed beyond his means, Zuo Hai Youjiro went further and further down the road of financial lending, and the economic deficit he caused became increasingly larger.

As a result, since he has been unable to pay the interest on his loan recently, he received calls from loan companies at home right after the New Year holiday.

When his wife, Miyoko, finally discovered that her husband had borrowed a lot of money from outside, she realized that Sakai Yujiro had taken out thirteen loans.
Including the overdraft limit on the credit card, the total amount has reached 7 million yen.

This number was enough to scare Midori to death.

However, even in the face of such a terrible situation, after learning the truth, Miyoko Kagawa still could not do anything. The most she could do was to lower her head and cry, and express her dissatisfaction to her husband with words.

"How could you do this? You borrowed so much money from outside without my knowledge? I didn't even know about it. If the debt company hadn't called me, how long would you have kept it from me?"

And Zuo Haiyoujiro's reasons are always the same.

"Is this my fault? I can only blame the fierce competition in Tokyo. It's not easy to become a branch manager. I had no choice but to borrow money from a financial company. Ah, just bear with it for a while. As long as you become a branch manager, you can pay off the foreign debt..."

"You always say that. Ever since we moved into this house, you always say that whenever I complain to you about our difficult life. But even though we work day and night, our life hasn't gotten better. Instead, it's gotten worse. Now we've even incurred such a huge debt deficit of 7 million yen! How can we pay it back?"

"I didn't want to be like this, but who knew I would borrow more and more. In the beginning, I only had a debt of several hundred thousand yen. I just wanted to get some money temporarily to make ends meet, and then fill it up when I had more money. But who knew that the people from the loan company would always give me more than I asked for. They always said to me, 'You can take a little more money and leave. It's okay. If you don't think you need it, just bring the money and pay it back. Tomorrow, the day after tomorrow, next week, anytime. As long as you pay the interest regularly, the principal can be paid back at your own pace.' That's why I borrowed more and more. It's all their fault! I was just careless for a moment..."

"Just a moment of carelessness? Stop kidding, you borrowed money but never paid it back on time. If you had paid it back on time, how could you have accumulated such a huge debt? What on earth were you thinking?"

"I want to pay it back, too. But the problem is that there are more and more places where I need to spend money. Insurance contracts are not easy to sign. If you want to win customers and create better performance, sometimes you have to pay out of your own pocket. For example, my salesmen sometimes come to ask for entertainment expenses to attract customers. I feel bad if I don't give them a penny, so I have to pay for it myself. Also, sometimes salesmen come to ask me, what should I do if the customer asks to sign the contract for two months of free premium? I have to pay for these two months of premium. Many companies in the same industry have launched cash rebates on the spot when signing the contract. Our company's preferential strength must not lag behind, otherwise we will not get any orders at all..."

"Then don't you think it's stupid for you to do this? You pay for the insurance premiums for your clients yourself, and you also pay for the entertainment expenses for others. Isn't this a loss-making business? Then what's the point of such performance?"

"It makes sense, of course it does. Did you know that the monthly salary of the branch director has been raised to 600,000 yen, with a bonus of 2.8 million yen, and the company also provides housing subsidies. You can live in a house with a rent of 100,000 yen on the market with just a little money. If you want to buy a house, you can easily take out 10 million yen from the company. If I really become the branch director, we can rent out our house for 250,000 yen, and then we can use the company's subsidies to rent a house. By then, the average monthly income will be close to 1 million yen, so this debt is nothing..."

"Please don't dream about this, okay? I just hope that we can live a peaceful and stable life. Even if it's a little dull. We do have problems now, but as long as we solve them now, there will be no problems in the future, and we can start our lives over again. I don't blame you, I only ask one thing of you, don't think about being the branch chief anymore, okay?"

"What did you say? Don't talk nonsense! Can't you think about it from my perspective? For a charcoal burner like me who finally got out of the mountain valley, if I have such an opportunity to make a name for myself, how can I bear to let it go? I won't give up..."

"Then what will happen to our lives? Now that our family has no money left, how can we repay the loan?"

"Don't worry about this. This is just because I have a temporary cash flow problem. I am just temporarily paying the client. Once the client gives me the money the day after tomorrow, everything will be fine. These are just a few calls to collect the money. Just ignore them. After a few days, when I pay the interest, the loan company will stop calling."

"That's easy for you to say. Even if we can find a way to get through this difficult time, what will happen in the future? We have to pay interest every month. I'm afraid that even the money I earn from working at the bookstore where my sister works won't be enough to pay your monthly interest. What about the living expenses at home? What about the mortgage we need to pay? What hope is there for a life like this?"

"How can there be no hope? Our house is very valuable now. How much did we buy it for? It has doubled in value now, okay? For this house worth hundreds of millions of yen, my debt is nothing. Besides, you don't think highly of me. Oh, women are so cowardly. I'm too lazy to talk to you. Anyway, I can solve these debt problems by myself. I also tell you that whether you believe it or not, our life will get better soon this year. Don't bother me anymore, it's so long-winded..."

Yes, that's right. It's not the first time we have had an argument like this, but it's useless to argue.

Don't underestimate the fact that Midori was once an excellent real estate agent and was extremely savvy when it came to houses.

Don't underestimate her because she helps out at Huibundang Bookstore and helps her sister Rinko Kagawa run the store's affairs. She is a perfectly qualified deputy store manager.

But perhaps because her mother was too kind and weak, Midori was extremely inexperienced in managing family finances, and was as naive as an innocent girl in handling household affairs.

As a housewife, she was seriously "biased" - she only knew how to do housework, but had no way to restrain her husband.

She had no idea what her husband, Yujiro Sakai, did outside the home, and even if she knew, she had no ability to intervene.

She believed whatever her husband said, and no matter how outrageous his actions were outside, she was helpless to do anything.

In the end, they always quarreled in vain, and then let Zuo Haiyoujiro continue to do whatever he wanted. To put it bluntly, she was completely the weaker party in her marriage.

In Zuo Hai Youjiro's eyes, his wife had no deterrent power at all and would only obey orders, so Zuo Hai Youjiro didn't care about her worries and anxieties at all.

Just like on this day, Yujiro Sakai didn't even tell Midori the whole story about the family's financial situation - he still had stocks worth 1.8 million yen in the stock market.

Yes, he borrowed money through various channels, part of which was invested in the stock market before "Black Monday", and part of it was used to buy at the bottom on "Black Monday". Later, he used the money borrowed from securities companies to continue buying at the bottom.

As the stock market situation improved this year, he finally made money on stocks, with a floating profit of about 800,000 yen.

Originally, if he sold the stocks, he could directly clear at least a quarter of his debt, but because the stock market is so good now and is rising every day, he is reluctant to do so.

Now in his mind, selling stocks to pay off debts was a stupid choice.

The profit of stocks can be at least two or three points a day, and as much as five or six points, which is much more than the three percent interest on a loan every month. Only a fool who thinks he has too much money would do this.

What he actually wanted to do was to borrow more money and invest in the stock market.

If he could deal with his current debts and get another 1.8 million yen, and if he was lucky, perhaps it wouldn't take more than a month or two, and he wouldn't even have to become a branch chief, to clear all his debts.

But the question is where to borrow it?

After much thought, Yujiro Sakai decided to go to Hideo Ninomiya and Yasuo Nagase to discuss and see if they had any good ideas.

"What's wrong with you? Why are you like this?"

In broad daylight, when Yasuo Nagase, who was having fun in the bar, saw Yujiro Sakai who came to see him, he said, "It's really unlike you. Your hair is messy. You don't look well."

The lighting here is very poor, making people feel as if there is no sunlight. It is clearly noon now, but it is so dim that it seems as if it has already reached evening.

Even the quality of the doors and windows is not very good. The wind is not too strong today, but the doors and windows still creak constantly.

"Don't mention it, it's urgent!"

"I think so. Huh, is it because of money?"

Yasuo Nagase stared at Yujiro Sakai's timid face and smiled.

Then he lit a cigarette and got straight to the point. "Tell me, what do you want to talk to me about?"

So Yujiro Sakai told his troubles to others, and as expected, Yasuo Nagase supported his idea.

"You're right to think so. In your current situation, it would be foolish to sell the stocks to pay off the debt. A debt of 5 million yen is also a lot of pressure for you. In my opinion, you might as well mortgage your house. Since you need to borrow money anyway, you might as well take advantage of the good market and borrow a large sum of money. Your house is worth 100 million, so you can get a loan of 50 million. If you invest in the stock market as you think, 10% is 5 million yen in profit. What's the big deal about that little debt?"

But the idea of ​​mortgaging the house is scary enough, because it is the entire livelihood foundation of Zuo Haiyoujiro.

Especially the number of 50 million yen.

Even Zuo Hai Youjiro, who had already asked for money, was frightened by the idea and hesitated.

"My property has a loan of over 30 million yen, so I can't borrow money..."

"What's the big deal? You can apply for an increase in loan amount for real estate now. It's very easy. Do you believe that I can help you get a new loan amount from your bank with just one phone call?"

"Then... isn't 50 million yen a bit too much? I don't think I can use that much."

"Well... of course it depends on your needs. What I mean is that I can lend you money within this amount. But considering your courage, why don't you lend me 10 million? 15 million yen is also fine..."

"Ten million yen?" Sakai Yujiro thought about it and felt that the number was acceptable. "Well, let's do it. If you really have a way. After it's done, I will definitely thank you."

"That's easy." Nagase Yasuo answered readily, "But will your wife agree to it? If she knows about this, she won't be even more angry with you, right? What if she doesn't let you get into her bed, what will you do?"

Looking at Nagase Yasuo's unbridled obscene grin, Sakai Yujiro waved his hands nonchalantly.

"Her? She has to do whatever I say. She's a housewife, what can she do if she knows? She still has to cook for me."

This can perhaps only be attributed to the fact that the male chauvinism in Japan is too serious.

In a family, even if a wife is smarter and more capable than her husband, she will not be valued or respected by her husband.

Of course, conversely, we might also say that people are complex and multifaceted.

No matter how capable a woman is at work, once she returns home to face her beloved husband and family, she may be influenced by emotional factors and become a simple-minded, restrained fool.

So Nagase Yasuo pushed even further. He rolled his eyes and said half-jokingly, half-probingly, "Okay, then it's done. I don't have any other requests. I'm tired of eating in restaurants outside. Just invite me to your house for a drink and try the dishes your wife cooks."

The stupid Zuo Hai Youjiro only had money in his eyes at this time and didn't notice anything wrong.

"Okay, then it's settled. You're such a good friend, thank you for your help..." (End of this chapter)