This theory is truly rotten to the core!

Deliberately distorting long-termism into a high-level game only for those qualified, while ordinary people can only focus on survivalism,

this nonsensical viewpoint that pits survival against long-termism, I don't know if it's intentional or unintentional, is far too terrible.

If ordinary retail investors were to express such statements, it could just be disregarded, but as an opinion leader with nearly one hundred thousand followers, to actually use this worldview to influence others is detrimental.

1️⃣ For ordinary people, waiting for opportunities to leap across classes is virtually zero!

The premise here is ordinary people!

I ask you, what opportunities do ordinary people have when they enter the market?

What do people think of? Spot trading? Contracts? Stocks? Actively managed funds? Index funds? Various derivatives? Memes? And so on, a whole range of financial products.

According to your statements, is it just to directly speculate?

In other words, wait for the opportunity and then give it a hard go?

This statement is absolutely absurd.

This sentence sounds easy to say, but let's discuss in the comments, how many people have really waited for such an opportunity? Are we not just watching movies and dreaming that everyone is a superhero? One general's success comes at the cost of countless bones, you know?

If everyone could wait for an opportunity to achieve results, could we still call it a market? The market is inherently uneven; the opportunities to make a lot of money are scarce resources, and scarce resources can only be obtained by a very small number of people, who are certainly not ordinary people.

How difficult it is for ordinary people to achieve results, let's not even discuss the cryptocurrency space, even in the long-term stable rising US stock market, only a minority attain results, as this data shows:

Among the 6,000 companies listed in the US stock market, more than 180 companies are delisted every year, which means that 3% of companies' stocks will disappear each year. If we extend the time window to 40 years, half of the companies will go bankrupt. Therefore, in the long run, the probability of bankruptcy for the stocks you hold is very high.

How many periods in the crypto space have seen losses without me needing to say it?

Based on the data, if you research it yourself, you will know that the concept of ordinary people waiting for opportunities to leap across classes tends to zero.

2️⃣ Ordinary people are the ones who should practice long-termism the most.

The statement that you must survive first before discussing long-termism is not incorrect, but the conclusion is wrong, as the underlying reasoning is fundamentally flawed because he has not considered what true long-termism is.

Long-termism has always included: cash flow, insurance, low leverage, diversification, minimal hassle, long-term learning, health management, and relationship maintenance.

It’s not just cash flow that qualifies as long-termism.

So long-termism is not exclusive to the wealthy or those with accumulated assets; rather, it is precisely what ordinary people need the most.

If a rich person misjudges once, they still have assets, resources, relationships, and information channels to fall back on; ordinary people entrust their lives to short-term fluctuations and uncertainty; a single failure in short-term speculation could take years to recover from or even lead to a situation where they can never bounce back, and this kind of case is everywhere.

Think about whether you know many such people around you.

On the contrary, if an ordinary person saves 20% of their salary each month, without affecting their own life, and finds assets to invest in regularly.

Choosing the right assets isn't that difficult, as everyone knows what good assets are; they just refuse to accept becoming wealthy gradually, whether it's Bitcoin, the Nasdaq index, or the SP500; the returns over ten or twenty years are astonishing when you let AI calculate this compounding for you.

For example, as shown in the image: If you had started investing 100 yuan every day 15 years ago, you would have 804 million now. If you had invested 100 yuan daily in the Nasdaq 20 years ago, you would have over 6 million in assets now.

Moreover, time and energy are limited; with extra time, you can strengthen your body, date more, accumulate network connections, enhance your knowledge, and enjoy life.

It seems very simple and also easy to do; it’s just that human nature seeks quick profits and does not accept becoming rich slowly.

I have shared that my wife’s investments have tripled over the past few years through regular contributions, outperforming 90% of people in the field, and my wife hardly understands what the Nasdaq or Bitcoin is; she just executed what I told her to do steadfastly.

3️⃣ So, what should be done?

Short-term gaming relies on information, speed, capital, emotion, and trading systems, none of which are advantages for ordinary people.

The truly replicable path for ordinary people is not to catch every opportunity but to increase earning capacity over the long term, control liabilities, maintain cash flow, allocate quality assets, and reduce erroneous decisions.

Thus, the more ordinary you are, the more you need long-termism.

It's not that long-termism is sophisticated; investment is not about what is sophisticated. It’s because short-termism is ridiculously costly, and the success rate is too low.

Furthermore, survivalism is not the opposite of long-termism; survivalism is inherently part of long-termism.

Dreaming of turning your situation around a few times while carrying a mortgage, isn’t that just insane?

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