The traveling frog is living a carefree life in the Marvel universe.

"So, as long as you serve me well, you've completed your task, and even exceeded it!"

Shelley's not-so-bright mind seemed to have short-circuited, and he looked completely bewildered.

"Don't overthink it, just listen to me, you won't go wrong!"

Bai Ye patted Shelley on the shoulder and said.

Since Bai Ye has said so, Shelley will not leave—Mr. Bai Ye is an important person, he shouldn't lie to her, right?

"Shelley, what brings you to work as a waitress here?"

Bai Ye asked curiously.

Given Shelley's status, it seems more reasonable for her to be one of those models outside.

“Because you told me before, Mr. Baiye, that if you serve someone with your looks, their love will fade when their looks fade, and their affection will end; but if you serve someone with virtue, their love will last forever… I think that makes a lot of sense,” Shelley said. “So I stopped doing that kind of work. But I maxed out my credit cards and needed to pay them back, so I tried doing some waitress work. Although it was tiring and undignified, and I earned less money, the money I earned this way felt very secure, and it was enough to pay off my credit card debt.”

Bai Ye asked, "So, you're giving up your job as a dormitory supervisor?"

Shelley: "Of course not. Being a dormitory supervisor is my job. I get along very well with those female college students; we're best friends! It's just that the salary for a dormitory supervisor is a bit low, so I work part-time as a waitress to earn some money to supplement my family's income."

She became a little embarrassed as she said this:

"After all, I do enjoy spending money!"

"What's wrong with that? Everyone likes to spend money, as long as it's not excessive!" Bai Ye: "You're fine the way you are now, walking on two legs, that's very stable!"

Americans are all the same; they like to overspend and live beyond their means.

This is not just about individual hedonism, but also related to America's political and financial systems. It's a country built on finance, after all... The culprit is Wall Street. Only when the entire population is in debt can Wall Street make money.

Various financial innovations are all aimed at tapping into people's potential for overspending.

"However, you should still learn to save up an emergency fund for yourself, otherwise, if something unexpected happens, you can easily go bankrupt."

Bai Ye reminded him.

Millions of Americans go bankrupt every year, and the main reason for their bankruptcy is excessive credit card spending.

Many of these bankrupt individuals fall to the very bottom of society, becoming homeless and finding it very difficult to climb back up.

There are approximately 55.3 homeless people in the United States, which is 1.7 out of every 1000 people.

The seemingly glamorous middle class may not be able to withstand a month of unemployment.

Many people who were living in luxury homes, driving luxury cars, wearing fine clothes and enjoying delicious food one day may end up homeless and destitute the next.

Because they love to max out their credit cards and buy things without saving any money. From houses and cars to lipsticks and perfumes, they can pay for everything in installments with their credit cards.

Statistics show that Americans spend an average of $1.8 per year on non-essential goods.

According to data released by the Federal Reserve:

Nearly 40% of Americans cannot come up with $400 in emergency cash.

Those who live paycheck to paycheck are considered thrifty. However, Americans who are truly willing to spend money can spend $2000 on limited-edition sneakers even if they only earn $1000 a month.

Overspending is like walking a tightrope; if you slip, you'll fall into an abyss.

Their houses were seized by the bank, and they had no extra savings to rent a place. The once glamorous middle class ended up homeless.

Many people may wonder, even if the house is confiscated, there should still be affordable housing available, so they won't end up homeless, right?

However, it's important to know that in the United States, due to strict legal regulations, people who cannot repay their credit loans or tenants who have been evicted by their landlords will be recorded by the judicial authorities.

These records can still be found in the federal government's system even after 10 years.

People with bad records live in their past and find it difficult to find a new place to settle down.

In fact, whether you're looking for a job, renting an apartment, buying a car, buying a house, taking out a loan, or applying for a credit card, you need to check your credit history.

If you have a bad credit record, you will be ostracized by society.

This is a net from which there is no escape.

"Uh-huh!"

Shelley listened intently.

Because Bai Ye is a very wealthy and knowledgeable man, just like Tony, listening to him is definitely the right thing to do.

……

The beauties who had been surrounding Bai Ye soon discovered that the incredibly handsome man had vanished.

They all hurriedly searched around.

But where can you find it now?

Thus, the beauties could only leave with regret.

Their time is very precious!

So many billionaires and social celebrities are now targets for hunting.

However, Bai Ye must be very rich, and with such a high level of attractiveness, she is the best value for money.

Audrey went with Billings for the time being.

However, he also kept an eye on Bai Ye's side of information.

Then I heard that Bai Ye had disappeared.

Audrey nodded in satisfaction.

That's right, Bai Ye is a person of integrity, how could she possibly be fooling around with that bunch of bitches?

After spending a short while socializing with Billings, Audrey was too lazy to continue with such formalities. She made up an excuse and left Billings' sight.

Audrey took out her phone and sent a message to Bai Ye:

"Bai Ye, where are you?"

Bai Ye: "The situation up ahead was too crazy, so I found a quiet place to play games! Do you want to come?"

Audrey: "Playing games? No way..."

Bai Ye: "I didn't want to come to this kind of party in the first place, it's so boring, but that bastard Tony kept inviting me, so I couldn't refuse. Now I see, I'm definitely not suited for this kind of environment!"

Audrey: "That's right, where are you? I'll come find you!"

Bai Ye: "Ah... okay!"

By the Three Pure Ones Buddha, you all heard this: Audrey asked to come herself, so I let her come!

[Bai Ye: I've never seen a request like this in my entire life!]

Audrey saw Bai Ye's message that he was in the bathroom and happily went there.

We had only just reached the bathroom door when we arrived.

She could vaguely hear some sound effects from video games.

"What's going on!?"

Audrey felt a strange unease.

Didn't Bai Ye say he was in the bathroom? Why can I hear other people playing video games here?

It couldn't possibly be Bai Ye playing games with someone else, could it?

Impossible, absolutely impossible!

"Shouldn't someone else have just happened to run here?"

Audrey comforted herself with these thoughts.

The facts also make sense.

After all, Tony's party was so grand and crowded that it was perfectly reasonable for others, like Bai Ye, to run to the bathroom to play games.

And so.

Audrey mustered her courage and went into the restroom.

He called Bai Ye's name softly.

then.

And that was the end of it.

Just moments later, the electronic sound effects of Audrey playing games could be heard in the bathroom.

Yes, Bai Ye is playing a large-scale online game with Audrey and Shelley.

The more people there are, the more fun it is, and the more enjoyable it is.

Otherwise, if no one plays, the server will be dead!

……

Billings had a good chat with some of his financial backers and friends for a while.

They didn't even realize that Audrey had been missing for a long time.

He drank quite a bit of alcohol for social occasions, and his cheeks were flushed.

Just as they were having a good time, Billings frowned, looking like he was about to go easy on them.

no way.

He had no choice but to bid farewell, walking slowly while maintaining his demeanor as a member of high society.

Along the way, he also saw many couples hugging and kissing each other.

They don't even know how to cover it up.

Seeing that made him hard, and his fists hardened.

As a legislator who speaks out for the people, I really want to punch them a few times and teach them what shame is!

—Billionaires can fit into this kind of atmosphere and have fun, but a politician like him definitely can't play along, otherwise he might accidentally turn it into a scandal.

Billings found the restroom.

He had just stood outside the restroom when he heard the sound effects of a video game.

"Fuck!"