I have really discussed this issue with many friends about Unicorn. Whether it's traditional buddies or those in the cryptocurrency industry, there is a similar similarity. Most buddies choose to be conservative after their cash flow exceeds $2 million, while there are very few who choose to be radical. In other words, most of the buddies who choose to be radical either become rich or lose money. Traditional buddies often have around $1 million to buy bonds or do some fixed income, especially those who are still working and rarely invest this money in physical industries or business. For most buddies, a return of over 3% on $1 million, which is about $30000, will be used as family venture capital, such as investing in stocks, etc. Of the remaining $1 million, about half will be allocated to some US stock indices, such as VOO and QQ, or fixed investments in some assets, which are considered low-risk and have good long-term returns. The remaining half is often used as living money. And this kind of life is actually what Unicorn said, barely able to live a peaceful life in China, but it is still difficult to cross social classes, especially when there are old people and young children. And once again, in the past few years, there were indeed many people around me, including many colleagues from big companies. As a result, most of them went back to work honestly, and a few did live better. But in the past two years, there have been fewer and fewer people around me who dare to gamble. The domestic economy is not very prosperous, and those who work worry about unemployment, while those who start businesses worry about liquidation. It's good to be able to ensure normal income. Those with higher working capital will allocate to private banks and insurance. The former aims to keep their funds ahead of inflation, while private banks are not prepared to make big money. Winning inflation is already good, and the latter is to avoid a downgrade in their living standards as much as possible. At this stage, my friends may have decent pocket funds, but they are still cautious and careful. Of course, if they are young and single, it's another matter.