心想事橙y

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

“If I had invested $10,000 in Ethereum in 2015, I would now have $200 million.”

No.

If you had bought $10,000 worth of ETH in 2015 and just watched it rise to:

$10,000 → $1 million → $14 million

Then did nothing

And watched $14 million turn into $390,000.

Still did nothing

And watched $390,000 turn into $30 million.

Still did nothing

And watched $30 million shrink to $1.2 million.

Still did nothing

And watched $1.2 million soar to $93 million.

Still did nothing

And watched $93 million shrink to $5.3 million.

Then watched $5.3 million soar to $323 million.

Still did nothing

And watched $323 million shrink to $54 million.
Still did nothing

And watched $54 million soar to $200 million.

Then somehow, he finally decided to do something...

So, the $10,000 from 2015 is equivalent to $200 million today.

Only one type of person can have today: bought it, then forgot the password, or went to jail.

Trading is not a math problem; it is a trial of human nature.

$ETH

Will there be accurate liquidation this time? $BTC

This wave is a waterfall, it's so terrifying $SOL

The central government definitely has experts guiding retail investors in cryptocurrency trading, can't you see that? Every time at the peak of a bull market, the People's Bank will come out and sternly announce a crackdown. During the last bull market peak, they shut down exchanges, and old Huobi cleared out users; how tragic was the drop in the following months? It cycles every 4 years, with announcements made each time at relative highs. It's a reminder for retail investors: it's time to sell, don't just give away your money. When the bear market hits the bottom, they will release some signals of easing, meaning you can start buying. If you don't believe it, go check the news…$BTC

Snack an empty order of meat$BTC

Breaking 93000 will allow for a stop loss...$ETH

Everyone says that Bitcoin no longer has a four-year cycle, and that it will keep rising while Trump is in power. But this time it was 13 ministries that cracked down.
In 2011, the lowest btc was 2 dollars (the trading platforms weren't open at that time according to overseas pricing)
In early 2013, it was 100 yuan, and in November 2013 it reached 8000
In January 2015, it dropped to a low of 900 yuan
In November 2017, it was 19,666 dollars (priced in dollars after 1994)
In December 2018, it reached a low of 3,200 dollars (in January 2019 it was 3,350)
In November 2021, it hit 69,000 dollars
In November 2022, it fell to 15,500 dollars (after the FTX incident, it was 16,500 in January 2023)
In October 2025, it will be 126,200 dollars
Approximately once every four years there is a peak, and once every four years there is a trough, perhaps related to the halving that occurs every four years.
Similarly, it is very coincidental that there is a document every four years.

On December 5, 2013, a document was issued by five ministries. The People's Bank of China, Ministry of Industry and Information Technology, China Banking Regulatory Commission, China Securities Regulatory Commission, and China Insurance Regulatory Commission.
They determined that Bitcoin is not currency.
On September 4, 2017, a document was issued by seven ministries. The People's Bank of China, Central Cyberspace Affairs Commission, Ministry of Industry and Information Technology, State Administration for Industry and Commerce, Banking Regulatory Commission, Securities Regulatory Commission, and Insurance Regulatory Commission. The theme was to prevent ICOs.
On September 24, 2021, a document was issued by ten ministries. The People's Bank of China, Central Cyberspace Affairs Commission, Supreme People's Court, Supreme People's Procuratorate, Ministry of Industry and Information Technology, Ministry of Public Security, State Administration for Market Regulation, Banking and Insurance Regulatory Commission, Securities Regulatory Commission, and State Administration of Foreign Exchange jointly issued it.
On the same day, the National Development and Reform Commission and 11 other ministries also jointly issued the notice on "Regulating Virtual Currency Mining Activities."
In November 2025, it was expanded to 13 ministries, and according to this list order, this time the Ministry of Public Security led, marking the first time that the Ministry of Public Security took the lead. $ETH

6

How important is money?

1. One dollar can make online shopping customers open their eyes and say nonsense in reviews with pictures.

2. Ten dollars can allow a delivery person to deliver food in a level 16 typhoon.

3. One hundred dollars can make a big man carry a refrigerator up to the 6th floor for you.

4. One thousand dollars can make someone’s daughter, raised for 20 years, bend to your will.

5. Five thousand dollars can make an idealistic college student attend a class they don’t want to.

6. Ten thousand dollars can make you see human nature clearly, as friends and family turn cold.

7. One hundred thousand dollars can make a person head west; they absolutely wouldn’t dare go east.

8. Five hundred thousand in betrothal gifts can end a decade-long relationship between a couple.

While still young, take the time to earn more money; don’t be overly sentimental because living is really expensive, and the dignity and confidence of adulthood ultimately come from money. $ETH