I didn't say that ordinary people don't want long termism, nor did I say that ordinary people should focus on speculation. What I said is that 'long termism has a threshold', including the example of investing in BTC and Nasdaq, which precisely proves my point of view Can a person with moonlight make a reservation? Can a person with broken cash flow make a regular investment? This is exactly the dilemma of ordinary people, and there is a common premise for sustained investment: Continuous cash flow stable income Has the ability to resist risks Is this TM an ordinary person? This is exactly what I mean by 'long termism is the threshold'. Don't use a bunch of examples of ticket owners to prove that tickets don't exist The whole circle, including the Internet, has completely deified the long-term doctrine. If you lose money, you are not long-term enough; Your cash flow has been cut off, you're not being long-term minded enough But in the real world, the opposite is true. Many people are not losing in the long run, but simply not qualified for the long run Your wife has made a regular investment in BTC, but the key is that she has not been unemployed in recent years, has not encountered any cash flow difficulties, and has not been forced to sell due to reality. Additionally, your wife has an amazing husband. What if she were an ordinary person's wife This is the survivorship bias of long termism, where those who survive talk about long termism while those who die have no say. You say that ordinary people should be the most long-term oriented, but you also say that controlling debt, maintaining cash flow, and improving income capacity are what I call survivalism. Use my premise to oppose my conclusion I have never opposed long termism. What I oppose is packaging it as a moral superiority that everyone can obtain, because for many ordinary people, long termism is not a cognitive issue, but a survival issue One person is discussing compound interest in 10 years, while the other is thinking about next month's rent. These two people are not facing the same world at all