Listen to my advice: If you have the conditions and ability, you must apply for a US card now - without flying to the United States or leaving the country, you can directly open it in mainland China. This is the ultimate gateway for ordinary people to embrace the global capital market. You can understand by looking at this picture. From Citibank and BOA to HSBC and Huamei, there are 6 mainstream American banks for you to choose from, and the threshold is much lower than you think: Account Opening Information: Passport and ID card are the basic documents, plus a KYC form/address proof. The US phone number can be obtained in advance (Universal Idle Fish), so there is no need to tinker with overseas materials; Account opening efficiency: The fastest time to open an account is 2 days (CBI bank can directly fill up the efficiency), and the slowest time is only 6-8 weeks. The entire process is reviewed online and witnessed by video in mainland China, without the need to visit branches or sign in person; Financial Security: Protected by US regulatory compliance, multi currency accounts can freely enter and exit, which is 100 times more reliable than those unscrupulous cross-border platforms. It's that simple: prepare the documents → submit for review → online video/witness → close the account, and you have a real US bank card, a strictly regulated 'global wallet'. Then you can freely invest in the US stock market—— Optimistic about the future of AI, with a buying index of 100 (code QQQM); Optimistic about the global economy, buy the S&P 500 (code VOO); Then invest a little BTC and gold and retire!