Can you earn 30 million in your lifetime outside of the cryptocurrency world?

I want to ask everyone a question: what do you think is the line for financial freedom?

300,000? 500,000? 6 million? 30 million?

Do you feel guilty when you say it out loud?

Do you know that the standard for bank VIPs is mostly 200,000 for gold cards, 500,000 for VIP levels, and 6-8 million for private banking? The latest data shows that in the first half of this year, the number of private banking clients increased by 11%, reaching 864,000 households. Out of 0.06%, how many slots do my fans occupy? (I have had no less than 100 people who have spent over 100 with me.)

Let me tell you, if your family background has no accumulation, no support, and you start from scratch to achieve 30 million in assets, you will need to sacrifice your entire life to make this class leap. If you are a chosen one by God, your life will be lonely yet profound, thus rewriting your destiny, but the odds of that are less than one in a million.

One in a million sounds pretty good, right? Because there are only 864,000 households at the private banking level across China, and remember, that’s by household.

One in a million, this probability is actually much higher than winning 5 million in the lottery, and it’s also higher than the chance of earning 5 million by working hard.

Don’t tell me that my fate is in my own hands and not determined by heaven. If you are over 30, you wouldn’t say that. Outside of the cryptocurrency world and self-media, can you earn 30 million in your lifetime?

I think most people would probably say no. Again, don’t talk about your friends, colleagues, ex-husbands, or childhood friends; talk about yourself.

Do you know what it takes to earn 30 million from scratch? I’ll give you an article that clarifies the path.

What I’m talking about here is the underlying logic, which has nothing to do with the industry you are in, nor am I teaching you methods or trying to exploit you. This logic is something everyone can learn.

What you see on Douyin are young people in their twenties with net worths of tens of millions or even hundreds of millions. Let’s not discuss whether that’s true or not, as that’s not within our scope of discussion. You will find that this is often based on luck, and it’s hard to achieve step by step through hard work.

What I’m sharing with you is a reliable underlying logic for someone between 40-50 years old to gradually accumulate 30 million.

And this 30 million is not something once owned, but rather something secured.

Why 30 million? Because 30 million is the line for financial freedom. This freedom doesn’t mean you can do whatever you want, nor does it mean you can squander at will; it means you truly have the freedom to choose not to do anything.

The first stage is 0-1 million;

The second stage is 1-10 million;

The third stage is 10-30 million.

The fourth is something that can be encountered but not sought.

Which of these three stages do you think is the hardest?

It’s actually not the last one, but the stage from zero to 1 million that is the hardest, while progressing step by step is the easiest.

Most people get stuck at the first step and spend their entire lives unable to move past it.

It’s not just you; 90% of the people reading this article can’t come up with 1 million in cash.

So the first step is the hardest. If you want to go from zero to 1 million, you must possess many skills, human qualities, vision, planning, and a worldview that most people do not have. This stage is called the awakening period, and the goal is to save up 1 million in cash first.

You need to awaken and truly set 30 million as your life goal, and put in all the right efforts. This is called awakening. And for all of us, as long as you don’t have 1 million in your pocket, remember what I said: you must have made wrong judgments at all the turning points in your life. Yes, you made all the wrong judgments.

The second stage is difficult, but it’s easier than the first stage. You just need to do one correct thing and amplify it several times, and you can easily reach 10 million.

I have a friend online, Brother Huo, who also started from zero and reached the 1 million stage in two years through self-media. Then, on a certain day after March 12, he went all in on Ethereum and directly reached his second goal.

I also went all in and bought 700 Ethereum, but I didn’t hold on. I failed the first attempt to break through the 10 million wealth stage, then I held 2 Bitcoin for three years, and in 2023, I sold 7 Bitcoin at 16,000 dollars, planning to buy high and sell low. After selling, I didn’t buy back, and I failed the second attempt to break through the third stage of wealth. Later, I bought back 4 Bitcoin and sold them at 35,000 dollars, and again, I failed.

The third stage is actually the easiest. Once you have 10 million, it’s very easy to reach 30 million.

It’s easy as long as you don’t make mistakes and have enough time.

In fact, you haven’t treated 30 million as your goal, so all your decisions are wrong. You chose to drop out of school instead of continuing your education, you hesitated about which job to take, you made wrong investment choices, and you hesitated about whether to follow my advice when reading my articles online. Therefore, you didn’t make any correct decisions.

Your understanding is flawed, and your understanding hasn’t brought you any benefits. So how can you avoid making such wrong decisions?

That’s to do the opposite of what you understand. This is my path of insight. Of course, this is extremely painful. For example, if your bank card is frozen, your decision is to try to get something for free and not pay for consultations. This has been your understanding for many years, and this decision is your subconscious judgment.

Let’s review: if you want to earn 30 million as your life goal, the first step is to earn your first 1 million. This also requires three abilities.

In the awakening period, the first ability is to break through your understanding. You must accept all uncertainties. As long as you are unwilling to take any risks, it will be very difficult to break through this stage. When I had no money, I leveraged to buy a house, going into debt for 1.4 million. Looking back at the decision I made back then, my monthly salary was 7,000, and my mortgage was around 10,000. If I failed, it would be catastrophic.

In the process of making money, there will be many difficulties. We need to treat all setbacks as accumulations mentally. Back in the day when I wrote on WeChat, I had many accounts banned. I started from zero and accumulated tens of thousands of followers, only to have my account banned. This kind of overnight setback is something most people cannot bear.

You must start over. These all belong to the level of breaking through understanding. You need to be able to not get entangled, not waste energy, and not be weak.

Most of us are very fragile and cannot accept even a little failure. I have been operating self-media for over ten years and have actually taken in many apprentices. Those who have followed me for ten or eight years are only about 3-5 people. Most people give up; they can’t keep up with their WeChat accounts, or they give up when they don’t see results from making videos on Douyin. This is very common.

But those who survive have achieved results.

In the awakening period, the second ability is to have a sense of opportunity. When opportunities arise in e-commerce, WeChat, Douyin, Bitcoin, and the era of making money, you need to be able to recognize them. The simplest example is a group of people who bought a house to live in many years ago and did nothing, and then the house price rose to 10 million.

This is the benefit of urban development, but the asset growth of this group of people will come at the expense of another group’s assets. The money you earn is the money lost by others; this is true for real estate, stocks, and cryptocurrency.

In the awakening period, the third ability is to be extremely frugal. Don’t spend a penny on unnecessary expenses. You need to shorten the process of accumulating 1 million as quickly as possible. During this process, you must avoid making a fatal mistake, which is falling into the consumption trap. If you have 20,000, you want to buy a new phone; if you have over 100,000, you want to buy a car; if you have 300,000, you want to start a milk tea shop; if you have several hundred thousand, you want to use it as a down payment for a house.

At this stage, you must resist the urge to buy things that have no investment value.

Take my uncle Buffett as an example; 99% of his wealth was accumulated after he turned 50. The earlier years were all about laying the foundation.

When you can truly take out 1 million in cash, you have completed the first stage, and then you enter the second stage, called the leap period.

Your goal is to earn 10 million, which usually takes 7-10 years. At this point, you can’t continue saving money; the nature of your income must undergo a dramatic change for you to have the opportunity to achieve your second goal.

In the leap period, the first ability is to accumulate personal credit assets.

While you are saving up 1 million, you must be working or running a small business. During this process, you need to accumulate so that when others mention you, they know your capabilities.

When others mention you, they should know your capabilities. This is called accumulating your personal credit assets.

Got it? Understood?

In the past, when people in the cryptocurrency world mentioned me, they would label me as a cryptocurrency trader who guarantees full compensation for frozen cards without reason.

Now, in the circle of people involved in two card cases, they mention me: this fool dares to promise 100% delivery; he’s got some guts.

You need to let others know your capabilities, your value, and that you are reliable, even if it’s just within a small circle. What was this called in the past? The theory of 1,000 fans. As long as you have 1,000 fans in a certain industry, that’s enough for you to manage for a lifetime.

This ability will grow as you become more reliable in your work, and your clients will increase. For example, now that I’m doing bank card assistance for unfreezing appeals, every client I unfreeze becomes a friend. They come to me for issues related to cryptocurrency or legal problems, which gives me a chance for repeat business.

However, most of my peers charge clients 2,000 yuan and ultimately aim to block and delete them. You can only earn 2,000 yuan from that client in your lifetime, which doesn’t accumulate any credit assets. This is actually ineffective behavior.

In the leap period, the second ability is resource integration ability.

Once you have credit assets backing you, you need to integrate the people, money, and projects around you to amplify your returns.

For example, if you start a business, some people are willing to be your partners, some are willing to help you, and some are willing to invest in you.

Only then do you have the opportunity to leap from 1 million to 10 million in assets. Remember, never use your own money to start a business; one failure can lead to irreparable consequences.

Use your credit assets to start a business! Even if you fail, you can use your credit to compensate others. You can repay others, but don’t use your own money.

Last year, I wanted to start a law firm. An investor gave me 1 million in cash for a 5% stake. At that time, my company was valued at 20 million, and the core asset was a WeChat account (which got banned). Doesn’t that completely overturn your understanding?

But I spent about 300,000 and found out that starting a law firm is incredibly difficult. During the application process, I had to rely on connections; three lawyers cost 30,000 a month, and the office was over 10,000 a month. I spent a lot of money, and the WeChat account got banned. In the end, I failed to start the firm and realized I had spent over 300,000.

This was originally the risk the investor should have borne, but I took it on myself. I returned the 1 million to the investor, but not immediately; I took six months to use the money I earned to create a time difference. This is the accumulation of credit assets.

I could have not returned it because the business failed, and the investor was supposed to bear the loss.

This is the combination of credit assets and resource integration ability.

In the leap period, the third ability is the ability to layout counter-cyclically.

This ability is closely related to our fan base. For example, during an economic downturn, buy some quality assets; during a bear market, layout core digital assets and gold.

This stage also has a fatal error, which is pursuing quick money and accidentally entering a Ponzi scheme or investing all your money into a single project. We should do everything using other people’s money, and at the very least, keep two years’ worth of living expenses.

Even if this project fails, you can still make a comeback.

Many people fail at this stage because they leave no way out, or even leverage themselves, ultimately never being able to turn their lives around.

Alright, now we are going to aim for the 30 million target. Once you have a financial foundation of 10 million and the ability to earn 10 million, reaching 30 million is just a matter of time.

Don’t make mistakes; after 5-8 years, you should be close to it, and you should be under 50 years old by then.

Of course, this stage also requires three abilities: risk assessment ability, attention to current affairs, and cultivating intergenerational inheritance.

This intergenerational inheritance doesn’t necessarily mean your children; it could even be your wife. If your wife hasn’t experienced the accumulation stage with you, it’s easy for her to go bankrupt.

A person who has never owned wealth finds it hard to manage wealth. After I finish explaining these stages, don’t you find that 30 million isn’t too difficult? It’s not a daydream or a fantasy, right?

The path looks very clear. If the number 30 million sounds particularly fantastical to you, it basically means you haven’t completed the first stage. Many people who can’t complete the first stage lack the three abilities I mentioned!

I can write this out because I have gone through these stages. I spent ten years before successfully reaching the stage of having 300 million in assets, but yesterday I succeeded. When I saw that Trump wanted to raise tariffs, I opened a 50x short position on Dogecoin.

I directly went all in with 200,000 USDT, and then watched the account balance jump to over 10 million. At five o’clock, I tried to close the position but didn’t have a buy order. I struggled for a long time to close it. This process was really nerve-wracking. Everyone knows that when people are nervous, they want to urinate. At that critical moment, I was actually woken up by the urge to pee.

Ah, I really shouldn’t have drunk that glass of water before bed. I was only halfway through my dream when I wanted to pee. My experience tells everyone: don’t drink too much water before sleeping.

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