Transmigrated into a farmer's lucky charm, all the villains in the family panicked.

When the year-end accounting season arrived, everyone in the Yun family, from the master to the accountant, had an abacus in front of them, and the clattering sound could lift the roof off.

The Yun family's open shops and businesses include: Ganyun Restaurant, several old shops in Taijing County, and Jinxiu Fenfang, Jinshanghua, and Jinxiu Pavilion, in which they have invested.

Behind the scenes, the Yun family also owns dividends from the Sihai Bafang Restaurant, shares in several outbound merchant caravans, and harvests from several large estates in the suburbs of Beijing.

The ledgers stacked up were taller than Yun Shengsheng herself. If she hadn't taught the whole family how to use Arabic numerals, the sheer number of Chinese characters alone would have been enough to blind anyone.

Although Yun Shengsheng was only five years old, she was still conscripted into the army because she was the fastest and most accurate accountant in the family. One person was worth three old accountants.

Moreover, she was in charge of the household's secret accounts, so naturally, she couldn't let outsiders see them.

She meticulously went through the accounts line by line with her pen, the abacus beads moving swiftly in her hands. In just one day, she had finished compiling the accounts for all the merchants from all over the world and several caravans.

The remaining accounts that were publicly disclosed were also settled within two days.

The whole family put the numbers together: on the surface, they earned 280,000 taels this year, and behind the scenes, they earned 230,000 taels, totaling a full 510,000 taels.

The family stared at the number, and no one uttered a sound for a long time.

Yun Huaikang's mouth was stretched almost to his ears.

Gan Yuwan swallowed hard: "Has our family struck it rich?"

Fan Sibo touched his nose: "It seems, it seems, that it's almost catching up with the money the richest man in Jiangnan earns in a year."

But their business has only been around for less than three years, and the speed at which they've made money is terrifying.

Yun Xiaoxiao tugged at his arm: "Husband, why do I feel a little scared even though we have so much money?"

Fan Sibo patted her hand: "Don't worry, this money is all legal and legitimate, there won't be any problems."

But he's worried that someone might be jealous and cause trouble, so he'll have to talk to his father-in-law about it later.

Yun Pianpian's eyes crinkled into a smile, because the Jinxiu Pavilion she was in charge of had only been open for two months, yet it had already earned more than 50,000 taels of silver—that was more than 50,000 taels!

Yun Ziyan was also beaming with joy, especially when he thought about the betrothal gifts his parents sent to the Wang family. There were 28,888 taels of silver in them alone, and the purchase of other items cost at least 20,000 taels. This was all because his parents and sisters valued him.

But he also had a worry in his heart: the bigger the tree, the more the wind will blow against it, and he was afraid that the family's ability to earn so much money would bring trouble.

Yun Shengsheng frowned: "Money is a double-edged sword. It can improve one's life, but it can also inflate one's appetite, making them vain and blind, and ultimately turning them into a deadly weapon."

I must remind my family not to let money cloud their judgment.

After hearing her heartfelt words, Yun Huaikang, Gan Yuwan, Yun Xiaoxiao, and Yun Pianpian gradually calmed down.

Yun Shengsheng carefully considered her words and looked at her family members with a serious expression.

"Father, Mother, Eldest Sister, Second Sister, Brother-in-law, Brother, I have a few words to say. Since everyone is here today, I'll say them all at once."

Seeing how serious she was, everyone sat up straight.

To put it bluntly, their family's success today is entirely due to Shengsheng, so they listen to her every word.

Yun Shengsheng said, "Firstly, our family earns money so that we can live a peaceful and comfortable life and no longer suffer from poverty, not so that we can wear gold and silver, put on a show, or flaunt our wealth."

"So from now on, we'll continue to live our lives as usual."

"The door to extravagant spending must never be opened, not even once. Once it's opened, it'll be impossible to stop."

Secondly, it is human nature to like to show off, but we must restrain this nature and understand that wealth should not be flaunted.

"We can't tell anyone about things like the turnover of our shop or the savings at home. If relatives ask, we won't tell them; if neighbors inquire, we'll just laugh it off. Even with the best of friends, we have to keep our mouths shut."

"In this world, it's not the thief you should fear, but the one who has his eye on you."

"Thirdly, we make money largely because of luck. We catch the right time, bet on the right thing, and encounter helpful people."

There are so many people in the world who get up earlier, go to bed later, and work harder than us. They work diligently all their lives, but in the end, they can't even afford a thin coffin.

"Are they not hardworking? No, they just lacked luck. So you must never look down on this or that just because you have a few more taels of silver in your pocket. Those who are arrogant and haughty in the end all die a miserable death."

"Fourth, great achievements can threaten the ruler, and so can great wealth. We ordinary people have no official background, and suddenly we have amassed such a large fortune. Sooner or later, people will be envious. At that time, this money will not be a blessing, but a death warrant."

"Therefore, you can't keep all the money you earn to yourself."

"But there are rules to giving out. You can't do it in a big way, like giving away porridge or rice, or you can do it with fanfare, like building bridges and roads. That's just trying to gain fame and reputation. In the eyes of those with ulterior motives, it's just trying to win people's hearts."

"The best way is to set aside a portion of the money each year and send it to the palace discreetly, so that the Emperor can make the final decision."

"With this money going into the palace, we've shown our true intentions, demonstrated our sense of propriety, and learned to know when to advance and retreat. We're not those arrogant nouveau riche types."

"Now that His Majesty has full authority to deal with things, he will remember our kindness and naturally become our support. If any villains try to do something bad, they will have to think twice."

Fifth, money is ultimately just a tool, like a kitchen knife, hoe, or pen. If you value it too much, treating it like a sacred object, you'll become its slave, hesitant and timid in everything you do, and afraid to make any decisions.

"If you take it too lightly, it's like water in your hand—no matter how much you have, it won't last long."

"So, don't be too heavy or too light. Have a scale in your heart and a limit in your actions. Spend what you should spend, save what you should save, and give up what you should give up. Remember, life and family are more important than money."

"Last and most importantly."

"Let's look at those aristocratic families that have been passed down for hundreds of years. Which one of them doesn't do business? Which one doesn't make money? But their roots aren't in business. Think about where their money goes."

"It's not about fine silks and satins, not about pavilions and towers, not about flaunting wealth and extravagance."

"They spent their money on educating their children."

"Have the best teachers, the most complete collection of books, and take the longest journeys to broaden your horizons, generation after generation, to cultivate your children in the direction of being reasonable, understanding, and knowledgeable."

"The scions of a large family are the true roots of that family."

"Money will run out, businesses will decline, and ancestral homes may be burned to the ground."

"But as long as the children stand firm, as long as each generation has ambition, knowledge, and skills, the family will not fall apart."

"Conversely, if you only have money but your children are all useless, even the largest family fortune will decline. This is the reason behind the saying 'wealth doesn't last three generations'..."

The candles burned quietly in the main hall, reflecting her words in everyone's hearts.

After a long while, Fan Sibo suddenly stood up with a flushed face and bowed deeply to Yun Shengsheng.

"My little sister is truly talented; her words have enlightened my brother-in-law..."