心想事橙y

From now on, I will stock up on goods with this number @Hey小旭 🫡

In the past week, whales purchased 54,000 BTC worth approximately $4.66 billion, but the price of Bitcoin has not increased much. The reasons are:
1. The net outflow of Bitcoin ETFs is greater than the net inflow.
2. With interest rate hikes imminent in Japan, both institutions and retail investors are panic selling $BTC .

The Bank of Japan will raise interest rates by 0.25% on December 19, which is the day after tomorrow.

During the last three interest rate hikes by the Bank of Japan, the price of Bitcoin has decreased each time.
March 2024 → -24%
July 2024 → -30%
January 2025 → -32%
December 2025 → _____

The bonus of BTC is gradually disappearing

If you bought BTC at the peak in 2017 and held it until now, after 8 years, its return rate can only match that of Microsoft/Apple

If you bought BTC at the low point of the bear market, you could outperform 7 golden flowers, because BTC's decline was larger

But this volatility is shrinking year by year, becoming closer to tech stocks like Microsoft and Apple, making the chance of relying on hoarding BTC to get rich in a bear market increasingly small $BTC

Only 15 days left until the end of 2025. Looking back at this year's predictions from these old guys for Bitcoin by the end of the year.

100,000 - Standard Chartered
150,000 - Star Thompson
170,000 - JPMorgan
180,000 - VanEck
200,000 - Tom Lee
200,000 - Bernstein
250,000 - Old Black Arthur Hayes

Stuck - I$BTC

How do people gradually waste away, which ones have you experienced?
1. Lazy
2. Procrastination
3. Poor self-control
4. Constant mental exhaustion
5. Addicted to games
6. Stop thinking and learning
7. Pretending to be ambitious and hardworking
8. Always just talking and not doing
9. Often staying up late $BTC

Once called poor, now called consumption downgrade;
Once called pretending, now called establishing social connections;
Once called going with the flow, now called checking in;
Once called a big fool, now called family;
Once called unemployed drifter, now called freelancer;
Once called lazy and indulgent, now called lying flat;
Once called toadying, now called providing emotional value;
Once called introverted, now called social anxiety;
Once called sulking, now called internal friction.$BTC

To become a great expert in investment, the first rule is to dispel the illusion.
In any investment or even speculation, you can only believe in yourself, and you must believe in yourself.

Dispelling the illusion is the greatest independent thinking; the most dangerous thing is believing the judgment of big shots who seem much stronger than you, such as Buffett saying that Bitcoin is rubbish, which does not prevent another person from making a profit.

The essence of independent thinking is to trust yourself, of course, you should listen to others, but you can only trust yourself.

In case of time travel, please remember the following time points:

1. In 1977, you must take the college entrance examination

2. In 1982, go to Shenzhen to make a living

3. In 1993, use bank money to purchase a house in Shanghai Pudong

4. In 1995, buy several siheyuan in Beijing

5. In 2001, buy Moutai stocks

6. In 2009, go all out for BTC

7. In 2018, engage in self-media

8. In 2023, exchange excess money for gold $BTC

Duan Yongping said that if he could go back to graduation from university in a state of having nothing, he might have a few directions to strive for:

One is to teach others how to prepare for the college entrance examination. He said that he managed to pass despite his difficulties, so he would charge others for teaching, and if they failed, he would refund the money, believing that he could survive.

The second is to find a company he likes, with a boss he likes, and work hard, hoping to be valued. (This plan is excellent; it's enjoyable to work, and he can learn from strong individuals.)

He said that there are more opportunities now $BTC .

Charlie Munger on the Six Core Pseudo-Assets

1. Mansions Beyond One's Means: Vanity-Driven Home Purchases Become Lifelong Debt

2. Luxury Cars: A Car Loses 20% of its Value Upon Purchase, Annual Depreciation of 15%-20%, Should Be Limited to 10% of Annual Income

3. Complex Financial Products: High-Fee Actively Managed Funds Lose Over Half Their Returns in 30 Years

4. Non-Productive Assets: Gold and Bitcoin Lack Cash Flow, Essentially a Game of Fooling Each Other (This Point is Not Agreed Upon)

5. Frequent Trading: Disrupts Compounding, Incurs Fees, Leads to Emotional Decisions

6. Credit Debt: High-Interest Credit Cards are Wealth Vampires $BTC

Now we have come to a critical historical turning point, is it a bet that the US stock market will crash, or will it not crash $BTC

The most expensive consumption for an ordinary person in their lifetime is not buying a house or a car, but rather buying a lifetime of the illusion of feeling successful.

I have seen too many people online using loans at 30 to buy a car, having their assets reduced to zero at 40, and still paying interest on bags from 20 years ago at 50.

The most ironic thing is that those who truly rely on compound interest to turn their situation around never consume compound interest in advance.

What they do is always against human nature —
first, they compress spending below survival level,
throw every penny into assets that can generate income,
and then exchange time for space.

And 99% of people do the opposite of compound interest:
using future cash flow over 30 years,
to exchange for 3 seconds of likes on social media today.

The data doesn’t lie.
By 2024, the leverage ratio of residents has approached 140%,
with an average debt of over 40,000 for Huabei, Jiebei, and BaiTiao users,
90s average 3.5 credit cards,
yet 70% of people are living paycheck to paycheck, even with negative cash flow.

This is not consumption; this is chronic suicide.
It just happens too slowly to feel the pain.

Often, the harshest group of people,
a monthly salary of 10,000 is lived on with a monthly expenditure of 3,000,
and the remaining 7,000 is all invested in index funds, down payments on properties, or their own businesses.
Others laugh at them for being frugal, but they just smile in response.

Ten years later,
the ones who laughed at others are still paying off their mortgages,
while those who were laughed at have already reached a cash flow of over a million a year.

The real barrier to compound interest has never been money,
it is enduring what ordinary people cannot endure — the “poverty.”

The face you put on today,
you will have to pay interest on tomorrow.

Understanding this point,
you will no longer exchange tomorrow's freedom
for today's face-saving.

Finally:
everything that makes you consume in advance
is essentially charging you 100 years of interest,
giving you only 3 days of pleasure.

Don’t be fooled.

Leave your money to time,
not to desire.

That is what compound interest is. $BTC

The Chinese government is now trying every means to get you to withdraw your savings,

1. Crack down on virtual currencies.
2. Gold is at a high price, and you dare not invest.
3. Subsidies to encourage you to buy cars.
4. Subsidies to encourage you to have more children.
5. Creating hot stocks to encourage you to open accounts and increase your investments.
6. Interest subsidies to encourage you to buy houses.

Six aspects united, acting together, less money for cars and children, more money for stocks and houses, each finds its own positioning, welcome to add more! $ETH

Wow, this blue fighter being kidnapped is terrifying! $BTC

I finished reading Brother Sun's book in the past two days and summarized it for everyone. It's already 8 years of ideological speeches!

Don't play with Brother Sun's projects; listen to Brother Sun's words more!

1. Before 30, do not buy a house, do not buy a car, do not get married, invest all cash flow into self-improvement and high-growth tracks.

2. Marriage is the most tightly bound and most dangerous partnership system in human history; most people do not have the ability to be a good partner before 30.

3. Investing in yourself is not about signing up for a bunch of classes, but rather spending 20% of your time on trial and error, and 80% of your time on reviewing and iterating.

4. Spend money on the information density of first-tier cities, rather than on mortgage payments in county towns.

5. Treat your social media accounts as equity that can leverage infinitely; followers are future cash flow.

6. Earning money legally is the premise of caring for humanity and changing the world.

7. Financial freedom is not about how much money is in your account, but about not having to sacrifice emotions, dignity, and attention for money.

8. The sooner you admit your incompetence, the faster you can embark on the path to wealth; admission is the first step to change.

9. True high-level leverage is a combination of capital, traffic, and policy; missing one leg means you will never grow big.

10. Compound interest does not only belong to money; health, cognition, and brands also have compound curves, provided you live long enough. $BTC

【Why do we say that those who can hold more than 1 Bitcoin are the elite of humanity?】
1. Have a certain level of financial capacity to invest in purchasing 1 Bitcoin.
2. Able to understand modern mathematics, physics, computer science, and have basic knowledge required in the information age.
3. Have a basic understanding of financial investment, economic operation, currency, assets, prices, interest rates, and inflation. $BTC

Do you think Bitcoin will break $150,000 in 2026?

MicroStrategy has started advertising Bitcoin across the United States. This uncle remains firm, not looking at short-term bull and bear markets, but focusing on the future value of Bitcoin. If they get through this year and next, MicroStrategy's next bull market valuation is expected to break into the top 20 of global listed companies.

How can an ordinary person achieve a lifetime of spending without running out of 1 million?

Assuming you now have 1 million, with a fixed monthly expenditure of 3000 yuan

How long can you last? The answer is 20 years.

What if we change the game?

You still have 1 million, still spending 3000 yuan a month, with an annual inflation rate of 2.5%, but you haven't let your money sit idle; instead, you've made asset allocations.

With an annual return rate of 6.5%, how long can you last?

The answer is you can spend forever, that's right, forever without running out!

Because every year the money your money generates exceeds your expenditures, and it can even outpace inflation, so the key question changes.

It’s no longer about how much money I need in total, but rather how much I need to spend each month?

In a second-tier city, with a net monthly expenditure of 6000 yuan, without worrying about rent, it should be a relatively decent and comfortable living standard. How much principal do you need to support such a life?

Using the method above to calculate, it’s about 2 million. When you have this amount and the ability to generate returns, what you gain is definitely not just the ability to buy a car or a house, nor to buy luxury goods, but rather a freedom of choice, which is called financial freedom.

This confidence to say I quit anytime, the freedom of not being forced to do things you don't want to do, is your goal and the most expensive luxury item. At this point, work is not about making a living, but about entertainment!

You go to work just because you’re a bit bored at home.
In an uncomfortable environment, you just walk away.
Your salary is just an extra reward given by the system while you play games.

For most professions, if it’s not about making money, but just about experiencing things, it can still be quite interesting, such as taking photos of strangers on the street, acting as an NPC in an escape room, traveling as a hotel experience officer, or even doing the same things you did in your original company.

But once you are not controlled by anyone, all work becomes clear and enlightening.
When you do something purely for the joy of it, you have a greater chance of doing it better than everyone else.

So the endpoint of financial freedom is not how much fixed money you have,
but turning your entire life into your own amusement park, where others are NPCs.
Enjoy your own system! $BTC