How To Live Better Tiếng Việt

This book is written about mainland China. Where it says national, domestic or the state, it means China, not your country.

See NOTICE.md for attribution and what was changed.

A Guide to a High-Value Life (高性价比人生指南)

It covers how to live longer, how to fall ill less often, and how to save someone when an accident happens. It covers how to waste less money, and which things get people cheated or into lawsuits. It covers what you can claim when you have no job and no money, and what formalities you need to open a shop, set up a company or build a website. It also covers dating, marriage and having children, going abroad, and learning a trade. Content on systems such as law, medical insurance and social insurance follows the current rules of mainland China.
767 recommendations. Each one says what it costs, what you get back, and how firm the evidence is. Sources are only journal papers and official documents. In a few cases where officials do not publish the case, an original news report with the reporter's name is cited, with a web archive copy attached.

You do not have to do it all. This is a menu of options, not a task list. Picking one or two items up counts. The author has not done most of it either.

The contents of the book may be out of date, and may contain mistakes. Many policies are carried out differently from place to place. When you really go to handle a matter, see a doctor or go to court, follow what the local authority, the doctor and the lawyer say. If you find something written wrongly, you are welcome to open an issue.

The official version on e-book platforms is published exclusively by Guomai Culture (果麦文化), going on sale in October 2026. No other version is official. The web version, EPUB and PDF on this page remain free, and are updated fastest.

Open the online search page · Let AI answer from the book (skill)

The AI assistant skill supports Claude Code and Codex. Once installed, ask directly, for example "should I sign as guarantor for a friend". It first looks up the items in the book and then answers, and says which section and item the answer comes from.

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Contents · Glossary · Verification records

Self-check

Life self-check: answer a few dozen yes-or-no questions to see which things in the book you have not yet done, and which few to do first

Long essays

Is marriage worth it · Home emergency kit · Should you stop to help a stranger · What licenses a platform needs · Body clock and night shifts · What to do first after a layoff · Things to handle around childbirth · Right after a chronic disease diagnosis · Before changing jobs or cities

Discussion

QQ group 582670354 (click to join)

Other languages

English · Русский · Español · Português · العربية · Bahasa Indonesia, translations maintained by dlgrv (repository)

English (The Evidence-Based Life), another English translation maintained by parveen0029 (repository)

Tiếng Việt, the Vietnamese translation maintained by chuanman2707 (repository)

Derived tools

Websites, apps, mini programs, browser extensions and datasets made by readers, see derived projects

Other languages and derived tools are maintained by others and may lag behind. The Chinese original text in this repository prevails.


Questions this book tries to answer

QuestionWhere to look
What can you do for almost no money that clearly lowers the chance of dying early?1. Do not die early
How many years do smoking, drinking, sitting for long and staying up late really take off your life, how exactly do you quit smoking and drinking, and how do you choose and use household cooking oil?2. Do not die slowly
Your energy runs short every day and you are always interrupted: how do you change that?3. Do not waste energy
Where does the time go, how do you do fewer things that bring no return, and how do you treat procrastination?4. Do not waste time
How should the money you have saved be placed so that interest, fees and scams do not eat it, and how do you avoid being cheated when buying a car?5. Do not waste money
Which health products, checkup packages and IQ taxes can you simply not buy?6. The anti-list
You have lost your job, are owed wages, or have no money: what can you claim and where do you go for help?7. How to get by when you have no money
Whose are betrothal gifts, property owned before marriage, and large transfers made while dating? What is the first step when someone reports you to the police or files a false report against you? How much is a sentence reduced if you turn yourself in? Afterwards, can you hold anyone to account and claim compensation?8. Law and property safety
Which "side jobs" and casual small things turn an ordinary person into a criminal defendant?9. Legal red lines ordinary people often cross
Should you cast a wide net or fix on one person, can a long-distance relationship work, what do you bring to register a marriage, and does holding a banquet without registering make you a married couple?10. Is dating and marriage worth it
What code you write, and what jobs you take, can get you sentenced?11. Red lines for programmers and technical people
Before borrowing money to open a shop or a company, what should you think through first?12. Starting a business and doing trade
Someone is down and not breathing, severe bleeding, fire, being lost: what do you do first?13. Emergencies: what to do first
Your account is stolen or your phone is lost: what is the first step?14. Accounts and information security
What if a security deposit is withheld, a landlord throws you out, or a long-term-let apartment operator collapses? Where should money go when you buy an off-plan home, and what if delivery is late? Can the mortgage rate be negotiated down? If you want to move to the countryside, can you buy a rural house?15. Renting and buying a home
After a chronic disease is diagnosed, how should you manage it over the long term and spend less?16. How to live with a chronic disease
How should an older person's guardianship, will and money be arranged in advance?17. Older people at home
What can you claim when you have a child, and how much time and money does it take?18. Is raising a child worth it
How are overtime pay and annual leave calculated, how much severance should you get if laid off, and how is a work injury recognized and paid?19. Employment, leaving a job and work injury
The child has just been born: what are the most important things?20. How to care for a newborn
Which countries should you not go to now, and how far do embassies and consulates go when something happens?21. Going abroad, travel and safety overseas
How do you avoid traps at KTVs, internet cafes and escape rooms, and what helps most when you are under stress?22. How to relax: entertainment venues and stress relief
Learning welding, learning English, taking certificates: which really pay back, how do you learn in the way that saves time, where do you apply for a professional title and is it worth it, and should you go on to a master's or a doctorate?23. Which skills are worth learning
How much does the cost of the same illness differ between a community clinic and a tertiary hospital? When badly hurt, do you register and queue or go to the emergency triage desk? After treatment, do you need a disability assessment or a disability certificate? How much should a dental implant cost, and does medical insurance cover it?24. Seeing a doctor: how to spend less and avoid detours
A family member has died: what do you do first, which money can be taken back, and which fees need not be paid?25. What to do after someone dies
To build a website or platform that takes money, what licenses are needed and where should the server be?26. Building a website or platform
You are pregnant or about to give birth: what to do when, and which certificates to handle before leaving hospital?27. Pregnancy and childbirth
You want to lose weight, look better or straighten your teeth: which methods will ruin your body?28. Do not ruin your body for your looks
A family member has died, you have been laid off, or you have received a serious diagnosis: what matters most in the first few months?29. After a major blow
Once the child is in school, which physical and mental matters cannot wait until after the exams?30. Children after starting school
After eighteen, what other paths are there besides study and work, and what is the threshold for each?31. Paths after eighteen
Studying abroad: what counts as keeping visa status unbroken, and does the diploma count when you return?32. Studying abroad: status, work, insurance and recognition back home
You or a family member has become disabled: which complications to prevent first, which subsidies can be claimed, and what about school, work and guardianship?33. Living after disability
You buy cold, fever and stomach medicines yourself: which must not be taken together, and what must children, pregnant women and older people avoid?34. Do not let medicines kept at home cause harm

How to read it

Each recommendation looks like this:

### 5. Switch the table salt at home to low-sodium salt (potassium salt)
- Cost: a bag costs a few yuan more than ordinary salt. Switch it when you buy, and it takes no extra time. The taste is almost the same.
- In plain terms: for people who have had a stroke, or are 60 or over with high blood pressure, switching the salt at home to low-sodium salt makes the chance of dying within five years about 12% lower and stroke about 14% lower.
- Benefit: a trial that randomly divided people into two groups, done in rural China, 20995 people, all people who had had a stroke or were 60 or over with high blood pressure, followed for 4.74 years. Result: the group that used low-sodium salt had a death risk about 12% lower than the group that used ordinary salt (RR 0.88). Stroke was about 14% lower (RR 0.86). Major cardiovascular events were about 13% lower (RR 0.87).
- Evidence grade: A
- Sources: Neal B 等 (2021). Effect of Salt Substitution on Cardiovascular Events and Death. NEJM. https://doi.org/10.1056/NEJMoa2105675
- Notes: Disputed. The subjects of the trial were high-risk older people, and the benefit for healthy young people who switch salt is much smaller. People with impaired kidney function, or people taking potassium-sparing drugs, should ask a doctor before switching salt.

Run your own copy

Most people do not need to deploy it: the online search page is ready to use, and for offline use you download the offline single-file HTML and double-click to open it.

If you really want to run it on your own computer or server:

git clone https://github.com/eternity4719/HowToLiveBetter.git
cd HowToLiveBetter
python -m http.server 8000

Then open http://localhost:8000/ in a browser. The search page is purely static. README.md and book/ are its data, and there is no back end, no database and no dependency to install. Give the whole directory to any static server (Nginx, GitHub Pages, object storage) and the effect is the same. Note that index.html must be opened through http. Double-clicking the local file directly gives a blank page, because the browser does not let a web page read local files. In that situation use the offline single-file version above.

If you want to generate these four formats yourself (not usually needed, since the ones in the Release are generated automatically), run the commands below from the repository root (HowToLiveBetter/):

npm --prefix tools/epub ci                 # install the EPUB dependencies
npm --prefix tools/epub run build          # EPUB
node tools/offline/build.mjs               # offline single-file HTML
node tools/pdf/build.mjs                   # PDF, also needs pandoc >= 3.1 and typst >= 0.13
node tools/anki/build.mjs                  # Anki deck, needs Node >= 22.13 (uses the built-in node:sqlite)

The outputs are all in dist/.

Four resources

What this book wants to help you keep is not only lifespan. There are four things in all:

Every recommendation answers two questions: what you have to spend (money / time / energy / willpower), and what you get back (change in overall mortality / fall in a specific cause of death / time and energy saved / money saved / protection and personal freedom). The value-for-money tier of each item is worked out by the search page from the size of the benefit and the three costs, and if you want to pick the worthwhile ones, filter by it.

On whom the benefit of a recommendation falls is divided into tiers. From high to low by "how likely this benefit is to come back to you in the future": ① yourself; ② spouse and direct relatives (parents, children, grandparents on either side, grandchildren on either side); ③ friends, colleagues and other relatives: a reciprocal relationship, where what you help out may come back later; ④ strangers: the lowest tier, but not zero. The chance of a return is small, and you do not know the person's character, and there is also the side of being extorted, turned on or retaliated against. Different tiers are not combined in the calculation, and when a tier ④ case is written, the benefit and the risk are written together.

Read the first-aid section in this way: in China, of 38,227 cases of out-of-hospital cardiac arrest, 79.2% happened at home, so learning chest compressions is first of all to be able to press on one's own family members. Rules such as "if you see someone drowning, do not go into the water yourself" and "if you come across a fight, do not step in to pull people apart" are themselves self-protection rules, which guard against your turning from a bystander into a second injured person. Whether to step in for a stranger is your own weighing. The items write out the exemption clauses, the self-protection actions and the risks clearly, and do not work it out for you as a reason you must do it.

The numbers for mortality, the numbers for time and energy, the numbers for money and the legal consequences are each counted on their own, and are not converted into one another. These four correspond to the four "what you get back" options in the search page, and are not ranked against one another.

Evidence grades

Every recommendation is marked with an evidence grade:

GradeMeaning
AThere is a specific number that can be checked. The source is a meta-analysis that pools many studies, a large cohort that followed many people for many years, or a randomized controlled trial (RCT), and it can say by how much something fell (HR, RR, percentage decrease)
BThere is research support, but no exact number can be given; or only a small sample or a single study stands behind it
CThe author's own experience, or a practice everyone accepts, with no direct research literature

Of the 767 items in the book, 495 are grade A, 220 are grade B and 52 are grade C. In addition, 88 are marked as disputed, and 0 are marked TODO pending verification. Grade A and B items that are disputed are marked "disputed" and list the evidence on the other side. All sources cite only primary literature (journal papers with a DOI or PubMed link, or reports from official bodies such as WHO, CDC and the National Bureau of Statistics), and no second-hand retelling. For cases that officials do not publish, a few items cite original news reports with a reporter's name. These are used only to show that "this kind of thing has happened", the source field carries a web archive copy, and the notes state "media report only". Uncertain numbers are marked "pending verification".

Grade A says only that "there is a specific number and the source can be checked". It does not say that the number is necessarily causal. Grade A includes both randomized trials and studies that only follow and record without grouping, and in the latter you cannot tell whether the thing itself made the difference, or whether the people who do the thing were healthier to begin with. Which of the two applies, look at the benefit field: one that says people were randomly divided into two groups is the former, and one that says people were only recorded and not put into groups is the latter. For items on law and policy, grade A means that the original text of the statute or official document was cited.

The percentages in the benefit field and the plain-terms line are mostly a relative reduction compared with people who did not do it, not "so many fewer per hundred people". The same 12% lower means far more deaths avoided among older people whose risk was already high than among young people whose risk was already very low. So first look at which people the plain-terms line is about, and then at the percentage.

Value-for-money tier

The evidence grade answers only "can this number be trusted". It does not answer "is this worth doing". So every item is also marked with two other things: the size of the benefit (how large the good is) and the basis (what kind of thing is gained). The search page combines these two with the three costs into a value-for-money tier:

DimensionValuesHow it is set
BasisLifespan / money / time and energy / personal freedomLook at what the item mainly gets back. No comparison is made between different bases: "overall mortality down 12%" and "500 yuan saved a year" are not on the same ruler and cannot be ranked
Size of benefitLarge / medium / smallAs far as possible follow the item's own "benefit" field, and apply cut-offs fixed in advance, not by feel. For lifespan, look at the percentage drop (≥20% is large, 10% or more but under 20% is medium, <10%, or where only an intermediate measure and not the final outcome was measured, is small). For money, look at the amount (ten-thousand-yuan scale is large, hundreds to thousands is medium, tens of yuan is small). For personal freedom, look at the consequence (avoiding criminal liability is large, avoiding detention or administrative penalty is medium, avoiding a civil dispute is small). For time and energy, look at how much is saved (hours every day is large, hours every week is medium, saving only once is small)
Value for moneyVery high / high / averageLarge benefit with all three costs at the lowest level = very high; large benefit with costs not high, or medium benefit with all three costs at the lowest level = high; the rest = average

The lowest level of the three costs is "costs no money, takes little time, needs no willpower". "Takes little time" means a few minutes or less at one time, or something you can do in passing.

Of the 767 items in the book, 123 (16%) are very high value for money, 344 (45%) are high, and 300 (39%) are average. That the middle tier has many items is deliberate: the size of benefit underneath is divided into only three levels, large, medium and small, and cutting finer than that would be false precision.

This tier is the author's own judgment and not evidence. By this book's standard it counts only as grade C, and it is a separate matter from the evidence grade, with neither affecting the other. An item can have grade A evidence and only average value for money (the shingles vaccine has a phase III RCT with 97.2% efficacy, but two doses cost 3,000 to 4,000 yuan and shingles is rarely fatal), or it can have only grade C evidence and very high value for money (setting a lock-screen password on the phone and a PIN on the SIM card). "Average" does not mean you should not do it. Every item in the book is one recommended to do, and it is only that for this tier you have to weigh for yourself whether the spending is worth it.

Reading the numbers (glossary)

The text uses everyday language as far as it can, but a few statistical terms cannot be avoided when research is cited. If you cannot follow one, look it up in this table. In the online search page, hovering the mouse over a word with a dotted underline (tapping on a phone) also brings up an explanation.

Expand the 41 terms (overall mortality, HR, RR, 95% CI, meta-analysis, BMI, LPR, earnest money and deposit ...)
TermMeaning
Overall mortalityOver a period of time, what share of a group of people die, whatever the cause. The book uses it to measure "how long people live". Research papers call it all-cause mortality, abbreviated ACM
HRHazard ratio. It compares how fast those still unaffected during follow-up are affected at that moment. HR 0.87 means this risk is 13% lower. It does not mean the probability of the event over a period is 13% lower
RRRelative risk. The ratio of the probability of the event in two groups over the same observation period. RR 0.87 means 13% lower in relative terms. It does not mean 13 fewer events per hundred people
OROdds ratio. First work out, for each of the two groups, "probability of the event ÷ probability of no event", and then compare the two ratios. It is not the same as a ratio of probabilities. It approximates RR only when the outcome is rare, and it cannot always be converted into "so many tenths higher or lower in probability"
IRRIncidence rate ratio. The incidence rate is what share of people newly get the disease over a period of time. Divide one group's by the other's, and read it the same way as RR
RaRRate ratio of occurrences. It compares how many times something happens (for example how many falls), not how many people are affected, and is read the same way as RR
Standardized mortality ratioAbbreviated SMR. How many people in this group actually died, divided by "how many ordinary people of the same age should have died". 5.86 means 5.86 times as many deaths as people of the same age
Risk differenceSubtract the probability of the event in one group from the other's, which gives directly "how many more per thousand people". A multiple says only how many times larger, and the risk difference says how many more people there really are
95% CI95% confidence interval. The number a study calculates always has error, and this is the range in which the real situation probably falls. For ratio-type numbers, if the range crosses 1, or for difference-type numbers (those counted by subtraction), if the range crosses 0, the difference between the two groups may be just chance, and the text writes "not statistically significant"
RCTRandomized controlled trial. People are divided into two groups by something like drawing lots, one group does the thing and the other does not, and the results are compared afterwards. To prove that "it was this thing that made the difference", this approach is the most convincing
Meta-analysisPutting together the results of many studies and calculating again to get one overall number. Also called meta analysis
CohortCohort study. Pick a large group of people, follow them for many years, and record who is affected. It shows that two things often occur together, but is not enough to prove that the first caused the second
ObservationalObservational study. The researchers only record on the side, and do not arrange who does it and who does not. The results are easily biased by other factors (see the entries confounding and reverse causation in this table), and the numbers should be read with a discount
ConfoundingA third factor pulls on both the cause and the effect at the same time, so that two things look as if they have a causal link. For example, people who like eating vegetables often also like exercise more, and you cannot tell which of the two is doing the work
Reverse causationThe direction of cause is the wrong way round: it looks as if the first caused the second, but in fact the second caused the first. It is not that sleeping a lot makes people die early, but that seriously ill people sleep a lot
d, gEffect size, showing how large the gap between two groups is. The gap is converted into "how many times a usual fluctuation": 0.2 counts as small, 0.5 as medium, 0.8 as large
rCorrelation coefficient. How closely two things change together, with values from -1 to 1. 0.1 counts as weak, 0.3 as medium, 0.5 as strong
META unit of exercise intensity. Sitting quietly is 1 MET, and brisk walking is about 3 to 4 MET. Written as MET·h, it is the intensity times the number of hours done, and shows how much movement in total
GRADEA scoring method in common international use, which rates how reliable a piece of evidence is in four levels: high, moderate, low and very low
Intention-to-screen analysisThe effect is calculated by "who was notified to go for screening", not by "who really went for it". Among those notified there are always some who did not go, so this way of calculating makes the benefit of screening for those who really went look lower
Pack-yearA unit for counting how much a person has smoked in all. Packs a day times years smoked, so 30 pack-years is one pack a day for 30 years
BMIBody mass index, a number commonly used to see whether a person is fat or thin: weight in kilograms divided by the square of height in meters
LDLLow-density lipoprotein cholesterol, commonly called bad cholesterol
eGFREstimated glomerular filtration rate, an indicator of the kidneys' filtering ability, in mL/min/1.73 m². The lower the number, the worse the kidney function, and the stage of chronic kidney disease is set by it
HBsAgHepatitis B surface antigen, one item on a lab report. A positive result means the person is already infected with the hepatitis B virus
HPVHuman papillomavirus. It has many types, and long-term infection with some of them causes cervical cancer
LDCTLow-dose chest CT, with a radiation dose of about one fifth to one tenth of an ordinary CT
PM2.5Fine particulate matter floating in the air, with a diameter of 2.5 micrometers or less
NOVAA method of classifying food, dividing it into four groups by how heavily it is processed. "Ultra-processed food" is the fourth group
LPRLoan Prime Rate. The benchmark for lending rates in China, announced once a month on the 20th. Mortgage rates and the interest ceiling on private lending are both worked out from it
Final award on first arbitration (一裁终局)The result of a labor arbitration takes effect directly once it is issued, and the employer can no longer sue over the matter in court
Crude marriage rate, crude divorce rateThe number of couples who registered a marriage, and who registered a divorce, in that year per thousand people. There is also a number called the divorce-to-marriage ratio, which is the number of couples divorcing that year divided by the number marrying. It is not the same as these two, so do not mix them up
AEDAutomated external defibrillator. The red or yellow first-aid box often seen in public places. After it is switched on, just follow the voice prompts, and it decides by itself whether a shock is needed
CPRCardiopulmonary resuscitation. When the heart has stopped, press hard on the chest so that the blood keeps flowing
3C certificationChina Compulsory Certification. Products on the list may not leave the factory or be sold without this mark
ICP filing (ICP 备案)A formality of registering in the Ministry of Industry and Information Technology's system before a website or app formally goes online
Graded protection (等级保护)The cybersecurity graded protection system. A system is divided into levels by how important it is, and the higher the level, the more security measures must be taken
GPLAn open-source license. Something made with code of this kind must usually also have its own code made public when it is distributed
Non-compete (竞业限制)An agreement signed with a company: for a period after leaving, you will not work for a competitor in the same line. During this period the company must pay you compensation every month, for 2 years at most
Subscribed capital contribution (认缴出资)The money promised to be put in when a company is registered. Once promised, it must really be paid in within the period set by law, and it is not just a number written to look good
Earnest money (定金) and deposit (订金)The two words differ by one character, but their effect differs a great deal. Earnest money has a penalty rule: if the side that took the money backs out, it must return double, and the amount is at most 20% of the contract value. A deposit is only money paid in advance, and backing out carries no such penalty
First instance to be finished within 6 months under the rulesWhat the book says is the time limit that the law sets for courts, not how long you actually wait. For a civil case at first instance under the ordinary procedure, the court must finish within 6 months of accepting the case, and in special cases may extend it with approval. Under the summary procedure it is 3 months. The time for appraisal and for service by public notice is not counted in it, so the real time is often longer

Table of contents

  1. Do not die early: deaths from external causes, gas and poisoning, vaccines, screening, the time scale of a psychological crisis and suicidal thoughts, what remains after being brought back, the year after a serious fall injury, the account of the remaining kidney after selling one, the home emergency kit, signs that call for a check such as visible blood in the urine, bone density tests for women 65 and over and medicine if osteoporosis is found, measuring ice thickness before going onto ice in the wild, fitting the guard and wearing goggles with an angle grinder, asking the people around you directly whether they have thought of suicide, anticoagulants if atrial fibrillation is found, one hepatitis C antibody test, ventilating before going down into a septic tank or manhole, testing and putting protection and monitoring in place, gastroscopy screening for high-risk people, and not keeping soaked wood ear fungus overnight. Basis: overall mortality or a specific cause of death.
  2. Do not die slowly: tobacco and alcohol, exercise, sleep, diet (low-sodium salt, nuts, whole grains, processed meat, loose self-pressed peanut oil, vegetable oil in place of lard), prolonged sitting, and the concrete methods for quitting smoking and drinking (quit-smoking drugs, a quit day, quit-smoking clinics and hotlines, e-cigarettes, alcohol withdrawal that must not be toughed out alone), the length of a nap, how to make up for staying up late, the years account for night shift work, running the range hood when cooking, assessing hormone therapy for hot flashes around menopause, the account of keeping a dog and lifespan, regular lipid tests, if prediabetes is found, putting off diabetes by eating less and moving more, throwing away a whole pack of moldy peanuts, corn and nuts, and not eating raw fish slices made from freshwater fish. Basis: overall mortality or a specific cause of death. For the long essay see Body clock and night shifts.
  3. Do not waste energy: sleep, interruptions, multitasking, social debt, what to expect when dealing with institutions, not toughing out period pain, cognitive behavioral therapy first for long-term insomnia, getting checked for sleep apnea if you snore and stop breathing in your sleep. Basis: energy / time.
  4. Do not waste time: projects with no return, sunk costs, procrastination (the emotional explanation, changing the environment, commitment devices, how long a habit takes, self-help materials), meetings, commuting. Basis: time.
  5. Do not waste money: subscriptions, lotteries, converting interest and borrowing to an annualized rate first, insurance, fund fees, personal pensions, car insurance, prepayments, livestream selling, the medical insurance personal account, children being cheated and top-up refunds, beaded bracelets, luxury watches and designer toys not to be counted as investments, how to check the test report on jewelry and jade, blind boxes and gacha, which lawful channel to take if you want to buy overseas assets; at the end of the section six items on insurance: buy only for losses you cannot bear, earners buy term life insurance first, surrender during the cooling-off period, do not treat insurance as a deposit at a bank counter, do not use an agent to surrender, beneficiaries and the time limit for claims; then do not buy virtual currency (trades in coins are not protected by law, and losses cannot be recovered); then how to do the sums for a person with no employer who pays employee pension insurance themselves: pay at the lowest tier, and paying up the years first is the best value, and even at the lowest tier you must draw the pension for about 10 years to break even; the last three items on buying a car: when the new-car "three guarantees" allow a car exchange or refund, how to ask for a refund and triple compensation when a second-hand car bought from a dealer had an accident or flood damage concealed, 4S-shop finance service fees, bundled insurance and registration needing no payment, and when a tour group takes you into a shopping shop, asking the travel agency to take the goods back within 30 days. Basis: money.
  6. The anti-list: things that look high in value for money but are not, including the claim that "willpower gets used up", learning lifting postures to prevent back pain, taking a lot of calcium and drinking bone broth after a fracture, using an AI chatbot to judge your own illness and legal problems, and the claim that "people can die at any time, so spend all the money early", not having an arthroscopic cleanout for middle-aged and older knee degeneration pain, not treating long-term insomnia with melatonin, and not asking for an intravenous drip for a cold.
  7. How to get by when you have no money: relief, subsidies, finding work, lodging and food, medical care, claiming unpaid wages, avoiding traps, negotiating installments with the bank when you cannot repay credit cards and online loans, and not using the middlemen who promise to "stop interest and defer repayment". Basis: money / protection.
  8. Do not get yourself caught up: law and property safety: traffic accidents, stopping payment after being cheated, AI face swapping and voice cloning, how much a sentence is reduced by surrender and truthful confession and why the route of "outlasting the limitation period" does not work, the routes open after being accused and after a false report is made against you, the dividing line between using a report to extort money from someone and making a normal claim yourself, conflict and venting-style extreme violence, the impulse to hurt others and the right of people around you to send you for treatment, the four legal gates for attacking a family member after insuring them, going through the platform and an injunction after online abuse, betrothal gifts, property owned before marriage, guaranties, anti-fraud, acquaintances asking you to show your face on camera, AB loans where you read out a verification code to take a loan, the limitation period for lawsuits, enforcement and the dishonest debtor list, a dog owner's responsibility and rabies vaccine registration, the acceptance receipt after calling the police and remedies for a refusal to open a case, paying money to smooth things over being the crime of bribery, and door and window locks and sensor lights to prevent burglary. Basis: money / personal freedom.
  9. Legal red lines ordinary people often cross: rumors, insulting heroes and martyrs, viewing overseas content without reposting it, spreading pornography, money laundering as a side job, forging materials to cheat a loan, staging accidents to cheat insurance, throwing things from a height, imitation guns, drones, secret filming, the lawful route of adoption and the line from trafficking and abandonment when you cannot raise a child, gambling, wild game, selling organs and helping someone find a donor; items 24 and 25 are on copyright: fan translation, reposting and sharing cloud-drive resources infringe even if you charge nothing, and running ads and charging membership fees can lead to a sentence, and if you write fan fiction and take it to publication for sale, get a license first; the end of the section covers being punished for carrying a baton, stun device or dagger for self-defense, electrofishing and fishing in the closed season, lighting fires in forest or grassland areas when visiting graves or picnicking, and not getting someone to take an exam for you or buying and selling answers. Basis: personal freedom / money.
  10. Is dating and marriage worth it: partner-choice strategy, the red line of pestering, signals of interest, relationship quality, long-distance relationships, the registration procedure, premarital checkups, the health account, the time account, the money account, parents paying for a home and the couple's joint debts, the cost of exit, going together to couples therapy when the relationship is stuck, holding a banquet without registering not making you a married couple, what to do when a spouse spends joint money on tipping livestream hosts or transfers it to someone outside the marriage, and writing down child support and visitation clearly at divorce. For the long essay see Is marriage worth it.
  11. Red lines for programmers and technical people: game cheats, crawlers, ticket-grabbing scripts, deleting a database, taking source code, taking on development jobs, non-competes, open-source licenses, filing, tools that skip or block other people's ads, AI relay stations, cracking patches and key generators, DDoS traffic attacks. Basis: personal freedom / money.
  12. Starting a business and doing trade: do not lose the family savings: capital, guaranties, choosing the legal form, registration, licenses, tax filing, invoices, tax-related fraud, contracts, hiring, mass production, intellectual property red lines in sourcing goods and using images, and exit; at the end of the section, two items on start-up scams such as outsourced operation, shop-opening training and "no-inventory" selling, which first take small sums and then pile on more layer by layer, plus the annual report to file in the first half of each year, not openly recruiting people to put in money when you pool funds for a business, checking whether a unit can be used for a shop before renting it, and writing a written agreement first with partners. Basis: money / legal liability.
  13. Emergencies: what to do first: cardiac arrest, stroke and posterior circulation stroke, eye stroke, heart attack, aortic dissection, thunderclap headache, chronic subdural hematoma, pulmonary embolism, severe bleeding, bites, burns and scalds, anaphylaxis, epilepsy, low blood sugar, electric shock, carbon monoxide, accidental ingestion and chemical burns, objects stuck in the body, splinting a fracture, scams, privacy threats, heatstroke, fire, drowning, being lost, hypothermia, snake bite, earthquake, wild animals, lightning, altitude sickness, ticks, drinking water in the wild; also whether you can afford to rescue: how to help up an older person who has fallen, what to do when you come across a fight, whom to ask for money after being hurt while saving someone; the end of the section covers a baby under 1 year choking, infant CPR, a child swallowing a button battery or magnetic beads, looking after a drunk person, how to preserve a severed finger, and how to put back a permanent tooth knocked out. Basis: survival rate and money, and the last few items also personal freedom.
  14. Accounts and information security: two-factor verification, passwords, SIM cards, a lost phone, fraudulent charges on a bank card, login devices, app permissions, face recognition, rights of access and deletion, AI relay stations of unknown origin, checking the phone cards and bank cards under your name every year, and changing the linked accounts before changing your number. Basis: money / personal information.
  15. Renting and buying a home: security deposits, forced eviction, agents collecting money, fund supervision, "sale does not break the lease", checking title, the special transaction fund account, partitioned rooms, an urban hukou (户口, household registration) holder not buying homestead land and only renting a farmhouse; buying a home: the off-plan fund supervision account, subscription earnest money and refund when the loan is not approved, area errors and advertising promises, late delivery and title registration, advance notice registration, negotiating a lower rate on an existing mortgage, using a provident fund loan first, property management not being allowed to cut water and power to press for fees, inspecting a new home at handover and the warranty period. Basis: money.
  16. How to live with a chronic disease: taking medicine as prescribed, cross-province settlement for outpatient chronic and special diseases, follow-up records, not stopping medicine to try folk remedies, long-term prescriptions, family doctor contracts, screening for complications, preventing kidney stone recurrence, treat-to-target and attack prevention in gout, hepatitis B carriers having an ultrasound and an alpha-fetoprotein test every six months, inhalers and pulmonary rehabilitation in COPD, an annual kidney check for people with high blood pressure or diabetes, guided exercise after colon cancer surgery. Basis: overall mortality / money. For the long essay see Right after a chronic disease diagnosis.
  17. Older people at home: consensual guardianship, the form of a will, accounts and scam scripts, investment-for-retirement and reverse-mortgage scams, long-term care insurance, pressure sore prevention for the long-term bedridden, having cataract surgery assessed when it affects seeing the road, older people walking dogs without being pulled over, checking the filing and the security deposit ceiling before sending someone to a care home, children's nursing leave, going to a memory clinic when memory gets worse. Basis: money / personal freedom, and mortality for the three items on pressure sores, cataract and dog walking.
  18. Is raising a child worth it: childcare subsidy, maternity leave and maternity allowance, protection in the "three periods" (pregnancy, childbirth, breastfeeding), the time account, the money account, the age account of having a child a few years later, paternity leave and parenting leave. Basis: money / time.
  19. Employment, leaving a job and work injury: overtime pay, annual leave, probation; occupational disease hazard notification and the three examinations, protection against dust and noise; N, pay in lieu of notice, 2N, not signing a voluntary resignation, keeping evidence; the time limit for recognizing a work injury, an employer that has not enrolled you in insurance, assessment of work capacity, benefits for death from work; certificate of leaving, personal income tax on severance; transferring pension and medical insurance relationships when you change city for work, double wages when no contract was signed, how to make the employer pay social insurance and how to resign and get severance, only two kinds of liquidated damages for leaving that can be agreed, putting an objection in writing if you do not agree to a transfer or pay cut, equal pay for equal work and joint liability for labor dispatch. Basis: money. For the long essays see What to do first after a layoff and Before changing jobs or cities.
  20. How to care for a newborn: safe sleep, the first hepatitis B dose, national immunization program vaccines, breast milk and complementary food, formula water temperature, honey, vitamin K, the red line for seeking care with a fever, never shaking, diapers and big purchases, introducing peanut early to high-risk children to prevent allergy, signs for seeking care in newborn jaundice, vitamin B12 when the mother is vegetarian, not buying a walker with wheels, vitamin D for babies every day, running cold water first at bath time to prevent scalds. Basis: infant mortality / money.
  21. Going abroad, travel and safety overseas: travel advisory levels, 12308, the limits of consular protection, overseas medical insurance, overseas high-pay recruitment scams, the annual quota for cash withdrawal abroad, lost documents, overseas driving licenses, agency filing, checking the rules of the destination before taking medicine abroad, and not bringing meat products and fruit back into the country. Basis: money / personal freedom.
  22. How to relax: entertainment venues and stress relief: safety exits, clearly marked prices, red lines on drugs, things handed to you by others, where to hold a murder-mystery game; exercise, mindfulness, breathing, social contact, green space, not soaking in a hot spring or sauna after drinking, wearing a helmet for skiing and cycling. Basis: money / personal freedom, and also energy / overall mortality.
  23. Which skills are worth learning: study or work (the child labor age line, education and mortality, the national education structure, tuition waivers, grants and student loans, the route up from secondary vocational school, how to do this sum yourself), the return on education, knock-off certificates, training subsidies, which skills are hard for machines to replace, skill grades, how to check shortage occupations, and after you decide what to learn, how to learn it (self-testing, spaced practice, not relying on highlighting, interleaved practice, no evidence for learning styles), and finally professional titles (application channels, taking an exam in place of review, the consequences of faked substitute review, being awarded does not mean being hired), and whether to go on to a master's or a doctorate (tuition and grant levels, the income return after removing individual differences, the share of doctoral students with depression and anxiety). Basis: money / time, with one item on mortality.
  24. Seeing a doctor: how to spend less and avoid detours: graded care and referral, the deductible counted continuously, the difference in reimbursement rates, reserved appointment slots, assessing the need for care in another place, keeping and sealing medical records, the four-level order of emergency pre-triage, emergency disease relief when you cannot pay, the timing of a disability assessment, how to get a disability certificate, no need to give doctors red envelopes, the lump-sum price of dental implants and the scope of medical insurance, buying negotiated drugs at "dual channel" pharmacies, online follow-up at internet hospitals, checking the inpatient fee list item by item. Basis: money / time.
  25. What to do after someone dies: calling the police and the death certificate, transporting the body and cremation, objecting to the cause of death and autopsy, canceling the hukou, the list of basic funeral items, price violations, agency filing, the balance of the provident fund and social insurance benefits, the deceased's personal information rights, debts being paid only within the inherited estate and giving up the inheritance in writing, and not defaulting to a notary first when handling an inheritance. Basis: money.
  26. Building a website or platform: licenses, filing and servers: red lines on payment and settlement, ICP license and filing, livestreaming and audio-visual qualifications, platform verification and tax-related reporting, content governance, real-name registration, minors, notice and takedown, data leaving the country, choosing a server, apps and mini programs also needing filing, notifying users after a leak of their information, the duty to remind about automatic renewal. Basis: personal freedom / money. For the long essay see What licenses a platform needs.
  27. Pregnancy and childbirth: from confirming pregnancy to the paperwork on leaving hospital: folic acid, opening the handbook and free prenatal checkups, screening for the three infections and blocking mother-to-child transmission, tobacco and alcohol in pregnancy, aspirin and gestational diabetes, signs for going to hospital at once, handling a water break, painless labor, indications for cesarean section, maternity insurance, the birth medical certificate, newborn screening, insurance enrollment and hukou registration, the 42-day postpartum checkup, a cat needing no rehoming when you are pregnant, the inactivated flu vaccine in pregnancy, sleeping on your side in late pregnancy (disputed), postpartum contraception and birth spacing (disputed). Basis: mortality and money. For the long essay see Things to handle around childbirth.
  28. Do not ruin your body for your looks: extreme dieting and eating disorders, the two certificates for medical beauty clinics and attending doctors, the blindness-risk sites for facial fillers, weight-loss products illegally containing sibutramine, anabolic steroids, prescriptions and follow-up for weight-loss drugs and sex hormones, body image assessment, orthodontic braces needing a doctor's in-person check and follow-up, checking the 国妆特字 number on freckle-removing and whitening creams. Basis: mortality (health endpoint), and the two medical beauty items also personal freedom.
  29. After a major blow: the cardiovascular window in the first month of bereavement, the first week after a serious diagnosis, losing a job, the half year after losing a spouse, bereavement by suicide, how to find a substitute for a person when you have neither family nor friends, a child whose parent has died, where to register when grief is stuck, divorce, 12356 and 12355, not making irreversible decisions in a period of stress, why dying to pay off debts is no way out, psychological treatment after trauma and not doing a single debriefing session. Basis: overall mortality, and money for the four items on spending and entitlements.
  30. Children after starting school: acute conditions counted in hours, not delaying treatment for an exam, what to do when bullied, 2 hours outdoors every day, the student checkup report, screening for adolescent depression, products that claim to cure myopia, hard rules on sleep and homework, suspending studies while keeping the student status, cycloplegic refraction and follow-up, pit and fissure sealing, disciplining a child without hitting, shouting or scolding, classes for parents, not sending a child to an internet-addiction school, teaching a child to know the private parts to prevent sexual abuse, the age threshold for riding on the road, not returning to play on the day of a head knock in sport. Basis: mortality and health endpoints, plus one or two items each on money and time.
  31. Paths after eighteen: the legal thresholds of twelve paths; joining the army (military service registration, two years for conscripts, joint punishment for refusing service, tuition compensation and further study, resettlement and reporting within 30 days, retirement pay and years of service and tax); targeted recruitment exams for grassroots service projects; special-post teachers being given a permanent post at the end of the term; firefighters and military civilian staff; self-study exams, adult college entrance exams and the open university; the 6-year performance obligation of publicly funded normal-school students and targeted medical students; what kind of company to look for when working abroad; personal income tax and receiving foreign exchange when working remotely from home for an overseas company; start-up guaranteed loans; social insurance for flexible employment; occupational injury protection for delivery riders; checking fresh-graduate status before taking the civil service exam within two years of graduating. Basis: money / time, and the refusal-of-service item also personal freedom.
  32. Studying abroad: status, work, insurance and recognition back home: checking the list of accredited institutions before paying tuition; the new US F-1 rule of "four years at most, leave within 30 days of finishing" was suspended by a court, and for now it is still until the program ends with a 60-day grace period; the working-hour limits in the US, Canada, the UK and Australia; checking eligibility to work by country, type of work and enrollment status; reporting within 10 days of moving; the Ministry of Education's study abroad warnings; Australia's OSHC must not lapse; the UK health surcharge; 10 to 20 working days for CSCSE recognition; lists of institutions under enhanced scrutiny, the cap on days of unemployment on US OPT, Canadian provincial attestation letters. Basis: money / personal freedom.
  33. Living after disability: the three on-the-spot steps for autonomic dysreflexia, the suicide window in the ten years after becoming disabled, the voluntary principle and the two exceptions for psychiatric admission, the caregiver's own risk of death, wheelchair pressure-relief cushions, scams claiming a cure, the six benefits to ask about in full after getting the certificate, long-term care insurance not only for older people, rehabilitation relief for ages 0 to 6, the subsidy for barrier-free home modification, employment by quota and the disability employment security fund, personal income tax reduction, guide dogs and free travel, reasonable accommodations in the college entrance exam, schools not allowed to refuse and home teaching, the C5 driving license, how to choose a rehabilitation institution, hearing aids, assessment of capacity for conduct and guardianship, and not leaving a catheter in long term after spinal cord injury. Basis: mortality / money / time / personal freedom.
  34. Do not let medicines kept at home cause harm: not doubling up on paracetamol (acetaminophen), no aspirin, nimesulide or metamizole for a child's fever, high-risk people for stomach injury from ibuprofen, not giving compound cold medicine yourself to under-2s, not taking ibuprofen yourself after 20 weeks of pregnancy, omeprazole taken on your own for 7 days at most, no antibiotics for a cold, rehydrating first for diarrhea and no antidiarrheal for children, headaches from taking too many painkillers, putting expired and leftover medicine in harmful waste, no alcohol while taking a cephalosporin or metronidazole and for 7 days after stopping, not driving after cold medicine and antiallergy medicine that cause drowsiness, and reading the package leaflet and avoiding grapefruit and pomelo if you take lipid-lowering or blood pressure drugs. Basis: mortality.

Section titles such as "Do not die early" and "Do not waste time" state the result the section wants to prevent. Whether an item itself says to do or not to do something is governed by the item title. For long essays see also Home emergency kit, What licenses a platform needs, Is marriage worth it, Should you stop to help a stranger, Body clock and night shifts, and the four lists of scenarios in time order: What to do first after a layoff, Things to handle around childbirth, Right after a chronic disease diagnosis and Before changing jobs or cities. The record of how each source was verified is in verification records.

This book was written with the help of Claude Code: finding the primary literature, checking item by item that the numbers agree with the original text, and maintaining cross-references and build scripts. The choice of topics, the trade-offs and the final approval are the author's responsibility, and every number can be found in the original text in the source field.

index.html in the repository root is the online search page: it filters items by keyword, section, evidence grade and cost dimension (money, time, willpower), and reads the data directly from this file. After you turn on GitHub Pages in the repository settings (Deploy from a branch, branch main, directory /), it can be visited. tools/epub/ is the e-book build script. Run npm --prefix tools/epub ci && npm --prefix tools/epub run build in the repository root to produce an EPUB locally in dist/. GitHub Actions runs the same script automatically after the text changes and updates the Release.

Main text

The main text is split by section into 34 files in book/, and you enter by clicking the section name in the table of contents above. It was split because the single file already exceeded the 512 KB limit on GitHub's rendering of Markdown, and the later sections could not be displayed. The online search page reads these files together, and its usage is unchanged.

License

The text is released under CC BY 4.0, covering the writing in book/, docs/ and this README. You may reprint, adapt and use it commercially without asking the author, but you must do three things:

The code is under MIT, covering tools/, skills/, index.html and .github/.

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