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A framework for evaluating and upgrading personal time operation models. Use it when you feel like "I work hard but my income doesn't increase" or "Others earn much more than me with the same workload". Core formula: Personal Gross Product = Hourly Rate × Value-Generating Time. Four models from low to high: Retail → Wholesale → Trading → Taxation. Not applicable to those who already have a platform-level business model. Key trigger signals: "I'm busy every day but my income doesn't grow", "Why do others earn more without working as hard?", "How to break through the income ceiling?"