Bear market 3-year warning: 10 things to remember! 1/ Don’t start a business 2/ Don’t invest in things you don’t understand 3/ Don’t quit your job easily 4/ Don’t switch industries randomly 5/ Tough it out for these 3 years 6/ Don’t guarantee loans for others 7/ Save cash, gold, and Bitcoin 8/ Exercise and stay healthy—health is everything 9/ Use credit cards less, don’t overspend on investments 10/ Stay low-key, avoid trouble caused by money Extra reminder: Cut off ineffective social connections, spend less time on binge-worthy dramas and live streams, and focus more on educational content and credible news. Keep learning. Women: learn to spend wisely. Men: learn to protect your money. Stay strong, endure, and embrace a better future!