Million-Dollar Hell Once your net worth hits $1M to $3M, and you allocate it well, in most places, you can live pretty comfortably just off passive income. But that amount of money still can’t support the kind of life you and your family truly want. You’re stuck at that point: technically, you’ve made it, but you’re just one step short. The worst part? If your portfolio goes up 50%, your life barely changes; if it drops 50%, you’re back to square one. So logically, this is the stage where you should switch to wealth preservation mode. But sometimes I still think: screw it, why not go all in one last time? I know I’ve got what it takes to grow a low-seven-figure account into eight figures. But on the flip side, I’ve lived through the FTX collapse and survived the 10/11 crash—one black swan event could wipe me out completely. Here’s a way to break the cycle: just buy Bitcoin and hold it until it hits $200K. Then we’ll talk.