Don't Lose Yourself in Love and Marriage
Love is beautiful, and marriage is one of the most important parts of life. Everyone hopes to find someone they truly love, someone who loves them in return, and build a happy and fulfilling family together. However, I believe that no matter how sweet love may be or how happy a marriage seems, a person should never completely lose themselves in a relationship. Loving someone should never mean giving up independent thinking, financial management skills, or control over one's family's financial affairs.
Love requires trust, but trust does not mean blind faith. Marriage requires commitment, but commitment does not mean losing yourself.
The experiences of several well-known figures in the entertainment industry offer some valuable lessons for us to consider.
1. Kenny Bee: The Ability to Make Money Does Not Guarantee Financial Management Skills
Kenny Bee (钟镇涛) was once a very popular singer and actor in Hong Kong and a member of the famous music group The Wynners. At the height of his career, he had accumulated considerable wealth.
However, after marrying his former wife, Zhang Xiaohui (章小蕙), he encountered serious financial difficulties involving family finances and real estate investments.
According to accounts he shared in past media interviews, he did not have sufficient knowledge of financial management at the time. He trusted his wife deeply and left the handling of their finances largely to her. Later, the couple invested in real estate, purchasing multiple properties and taking on substantial mortgage debt.
When the Asian financial crisis hit in 1997, Hong Kong's property market experienced a dramatic decline, eventually leaving him burdened with enormous debt.
In 2002, Kenny Bee filed for bankruptcy. Much of the wealth he had accumulated over the years was wiped out, marking a major turning point in his life.
What lessons can we learn from this experience?
Kenny Bee had a strong ability to earn money and had built a successful career. However, he was not sufficiently involved in managing the family's finances and did not fully understand the investment risks and debt obligations.
I am not trying to judge the relationship between him and his former wife. Rather, I want to emphasize an important principle: No matter how strong the relationship between husband and wife may be, both partners should understand their family's financial situation. Trusting your spouse should not mean completely ignoring where the money goes, what investments are being made, or how much debt the family has accumulated.
A husband and wife may divide financial responsibilities, but both should understand how much the family owns, how much it owes, and the risks associated with every major investment.
2. Wang Baoqiang: Marriage Involves More Than Love; It Also Involves Property and Legal Responsibilities
Wang Baoqiang is a well-known Chinese actor. Coming from an ordinary family, he worked hard to build his career and eventually became a successful actor, accumulating considerable wealth along the way.
In 2016, his marital problems with his wife, Ma Rong, became public and attracted widespread attention. The couple subsequently entered divorce proceedings involving child custody, real estate, company ownership, bank deposits, and other marital assets.
In 2018, the court granted their divorce and, based on the evidence, determined that Ma Rong had engaged in an extramarital relationship. The division of marital property was addressed through subsequent legal proceedings.
This case reminds us that marriage is not simply a matter of emotions between two people. It also involves complicated family assets, financial interests, and legal responsibilities.
A person may be very successful at earning money, but if they have little understanding of family assets, company shares, bank accounts, and other important property, they may face significant difficulties when a marriage breaks down.
I believe that both men and women should maintain a certain degree of financial independence during marriage, understand important family financial information, and keep proper records of relevant documents.
This is not about distrusting one's spouse. It is about taking responsibility for oneself, one's family, and one's children.
3. Zhao Qing: Never Let Love Override Your Rational Judgment
The experiences of Taiwanese actor Zhao Qing (赵擎) have also attracted media attention.
According to media reports in 2009 and 2016, Zhao Qing stated that he had suffered substantial financial losses during a previous marriage, including the loss of real estate and years of personal savings. Reports indicated that he experienced serious financial difficulties and eventually had to relocate to Beijing to rebuild his career.
Of course, what the public knows about his situation comes primarily from media reports. There is no need for us to make excessive judgments about the private details of his marriage.
Nevertheless, his experience offers another important lesson.
When people fall in love or get married, they may trust their partners unconditionally because of their feelings. Some may even hand over all their assets and financial affairs to their partners.
Without sufficient knowledge, oversight, and awareness of financial risks, a change in the relationship could seriously affect the wealth accumulated through years of hard work.
Love should never cause someone to lose basic judgment. No matter how deeply you love another person, you should always maintain your ability to think independently.
4. It Is Not Enough to Know How to Make Money; You Must Also Know How to Manage It
Many years ago, one of my neighbors told me something that has stayed with me ever since.
He was running a very small company at the time, and he told me:
"You don't necessarily need to understand all the technical aspects of the business, but you absolutely must know how to manage the company's money. You must know exactly how much money the company has, how much it earns and spends each month, how the business is performing, whether it is making a profit or suffering a loss, and how much debt it owes. You must have a clear understanding of all these things."
I thought this was excellent advice.
Even if a business owner or manager does not understand every technical aspect of the company, they cannot afford to be ignorant of its financial condition. The survival and growth of a business ultimately depend on sound financial management.
I believe the same principle applies to a family.
A family is essentially a small economic unit. A husband and wife may have different responsibilities. One may focus on earning money while the other manages household affairs. However, both should understand the family's overall financial situation.
For example:
How much cash, savings, and investment money does the family currently have?
How much real estate, stocks, and other assets does the family own?
How much income does the family earn and how much does it spend each month?
How much remains on the mortgage, car loans, and other debts?
How much risk is involved in the family's investments?
If one spouse loses a job or experiences an unexpected emergency, can the family maintain its normal lifestyle?
Both spouses should have a basic understanding of these matters.
I have always believed that a person needs not only the ability to earn money but also the ability to manage wealth.
Making money is important. However, if someone earns a great deal but does not know where the money is, has no idea how much the family owns or owes, or cannot even tell whether their investments are making or losing money, then the value of all that hard work is greatly diminished.
5. Love Can Be Romantic, but You Must Maintain Your Independence in Life
I am not suggesting that married couples should be overly concerned with every little financial detail, nor am I saying that spouses should not trust each other.
On the contrary, I believe a good marriage should be built on trust, respect, understanding, and shared responsibility.
However, trust does not mean that you should remain uninformed about everything. Loving someone does not mean giving up your career, financial capabilities, or independent identity.
Both men and women should strive to maintain the following five things:
First, maintain your ability to earn money.
Do not assume that once you get married, you can rely entirely on your spouse for all future financial needs. Whenever possible, maintain your professional skills and your own source of income. This is not only a form of financial security but also an expression of personal value and independence.
Second, maintain your financial management skills.
Do not hand over all financial responsibilities to your spouse while remaining completely unaware of what is happening. Couples can divide responsibilities, but both should understand the family's income, expenses, assets, and liabilities.
Third, discuss major investments together.
Major financial decisions, such as purchasing real estate, investing in stocks, starting a business, borrowing money, or guaranteeing someone else's loan, should always be discussed thoroughly by both spouses.
Do not sign documents you do not understand simply because you have a good relationship with your spouse. Never take on enormous financial obligations without understanding the risks involved.
Fourth, preserve your ability to think independently.
Do not assume that your partner is always right simply because you love them. A mature relationship should allow both people to have different opinions and discuss important matters rationally.
Fifth, never give up personal growth because of marriage.
No matter how many years you have been married, continue learning, working, and developing your interests and abilities. A person with independent thinking, professional ambitions, and financial capabilities is often more likely to earn their partner's respect.
Conclusion: Love Someone, but Remember to Protect Yourself
Life is long, and love is an important part of life, but it is not everything.
We all hope that love will last, that marriage will be happy, and that couples will grow old together. However, life is full of uncertainties. The love you experience when you are young may not necessarily last a lifetime, and today's happiness does not guarantee that nothing will ever change in the future.
Therefore, I would like to share a few thoughts with everyone:
Never give up your career because of love. Never give up understanding your family's finances because of trust. And never lose your ability to think independently because of marriage.
A mature person should know how to love others while also loving themselves. They should have the ability to earn money as well as the ability to manage wealth. They should cherish their marriage while maintaining their own independent identity.
A truly healthy relationship is not one in which one person becomes completely dependent on the other. It is a partnership between two independent individuals who respect each other, support each other, and grow together.
You can give everything to someone you love, but never lose yourself. You can trust someone wholeheartedly and give them all your affection, but never abandon your reason and judgment.
That, in my opinion, is the wisdom we should maintain in love and marriage.
Gang Chen, Publisher/Bestselling Author (GreenExamEducation.com)
Architect, LEED AP BD+C, Real Estate Broker (BRE# 01232392)