When the market is fluctuating, you should recharge yourself more. Recently, after watching Morgan Hauser's "The Psychology of Money," I realized that wealth management is more of a psychological game than just a technical job. ·Financial management is not related to intelligence, it only concerns behavior: your personal experience with money (such as growing up in an era of inflation or prosperity) determines your decision-making style. Therefore, financial success does not require a high level of education, it only requires controlling one's behavior. ·Luck and risk are two sides of the same coin: any outcome is a combination of ability and luck. Therefore, when judging one's own or others' failures, one should maintain humility and tolerance, and not overly deify successful cases. ·The magic of compound interest lies in time: Warren Buffett's true secret to his immense wealth lies in investing for over 70 years. Sustainable and long-term growth is far more important than pursuing high short-term returns. ·Wealth is invisible: driving a luxury car is often to earn respect (known as the 'luxury car paradox'). But true wealth is the part that has not been spent and can give you complete control over time, which is the greatest dividend that money can bring. ·Fault tolerance space is more important than high returns: true success is being able to "survive" in various unexpected situations. To leave enough financial buffer space, choose a financial plan that allows you to sleep at night. ·The savings rate is key: even if the income is not high, as long as one controls their desires and maintains frugality, they can accumulate wealth. Saving money for the sake of saving can give you more choices in the future.