This book is not a secret book to teach you how to get rich overnight, but a true record of an ordinary person's journey from pitfalls and losses to gradual enlightenment.
From the anxiety of chasing the rise and killing the fall, to the calmness of fixed investment and balanced investment; from the leek who blindly follows the trend, to the pitcher who builds his own system. I write here without reservation the tuition fees I have paid, the pitfalls I have encountered, and the methods I have verified.
There are no complicated formulas, no vain theories, only real position holding experience, operation review and mentality cultivation. If you are also a financial novice with an average monthly salary and a small capital, and want to slowly accumulate wealth through funds, this book may help you avoid three years of detours.
This chapter is the chapter in the whole book that I want everyone to remember the most and is the most heartwarming.
If the skills, pitfall avoidance, positions, and operations mentioned above are all "techniques", then compound interest is the only "way" for ordinary people to manage money.
I come from an ordinary background, have ordinary conditions, and have ordinary capital. I don't have any innate advantages. I once had low self-esteem. I felt that my capital was too small and financial management was meaningless. I felt that I couldn't make a splash by investing a few hundred dollars, and there was no hope.
But when I really persisted, I realized that the greatest thing about compound interest is never the explosion of large capital, but the accumulation of small capital over time.
Many people lose, not because of small capital or bad luck, but because they are too hasty, because they cannot persevere, and because they look down on small accumulations.
Financial management is not a sprint, it is a long marathon. There is no need to be anxious for the moment, and there is no need to envy other people's short-term profits. The money others make by luck will eventually be lost based on strength; but the profits we have saved by relying on time, patience, and discipline are stable and down-to-earth, and no one can take them away.
I hope that every reader who reads this can put down their anxiety and impetuosity.
Don't compare your progress with others, just compare yourself with who you were yesterday. Insist on fixed investment, insist on not operating randomly, and insist on guarding the bottom line of spare money management. Time will really give you the answer.
For ordinary people: patience is the cheapest asset; time is the fairest wealth.
Go slowly and earn steadily, and one day, compound interest will honor all your persistence.
When writing this chapter, I was actually having a conversation with my former self.
I understand very well the mentality of ordinary people when they first enter the market: they are unwilling to be stable, unwilling to make money slowly, and become jealous when they see others showing off their short-term profits. They always feel that others are getting rich suddenly, and they are the only ones who are running too slowly. So I wanted to gamble, take heavy positions, and seize the so-called "market opportunities" again and again, trying to make a comeback in the shortest time and with the least amount of principal.
But after several years of financial management, my most profound realization is: the easiest people to harvest in the market are always those who want to make quick money.
Slowness is not a shortcoming, it is the protective color of ordinary people; stability, not mediocrity, is the confidence for long-term profitability.
Many people lose money not because they don't understand the market or because they choose the wrong fund, but because of impetuous human nature. I always want to hit the mark in one step, always want to turn around overnight, so I chase the highs again and again, fill my position again and again, and are unwilling to stop the loss again and again. In the end, I lose less and less of my principal, and my mentality becomes worse the more I play.
When I wrote this book, I didn't want to fill you with chicken soup from beginning to end. I just wanted to tell the truest truth: There are no shortcuts to financial management. Behind all the short-term profits you covet are risk traps you can't see.
The most precious ability for ordinary people to manage money is not to be able to buy the bottom or escape from the top, but to know how to restrain, how to wait, and how not to be greedy.
Give up the fantasy of getting rich suddenly and let go of your impetuous mentality, and you will have already beaten 90% of the retail investors in the market.
It doesn't matter if it's slower, it doesn't matter if it's more steady. It's not easy for us ordinary people to make money, and the principal we have worked so hard to save deserves to be treated well.
Supplementary Chapter 3: The author has something to say
This chapter is the chapter in the whole book that I want everyone to remember the most and is the most heartwarming.
If the skills, pitfall avoidance, positions, and operations mentioned above are all "techniques", then compound interest is the only "way" for ordinary people to manage money.
I come from an ordinary background, have ordinary conditions, and have ordinary capital. I don't have any innate advantages. I once had low self-esteem. I felt that my capital was too small and financial management was meaningless. I felt that I couldn't make a splash by investing a few hundred dollars, and there was no hope.
But when I really persisted, I realized that the greatest thing about compound interest is never the explosion of large capital, but the accumulation of small capital over time.
Many people lose, not because of small capital or bad luck, but because they are too hasty, because they cannot persevere, and because they look down on small accumulations.
Financial management is not a sprint, it is a long marathon. There is no need to be anxious for the moment, and there is no need to envy other people's short-term profits. The money others make by luck will eventually be lost based on strength; but the profits we have saved by relying on time, patience, and discipline are stable and down-to-earth, and no one can take them away.
I hope that every reader who reads this can put down their anxiety and impetuosity.
Don't compare your progress with others, just compare yourself with who you were yesterday. Insist on fixed investment, insist on not operating randomly, and insist on guarding the bottom line of spare money management. Time will really give you the answer.
For ordinary people: patience is the cheapest asset; time is the fairest wealth.
Go slowly and earn steadily, and one day, compound interest will honor all your persistence.
When I wrote this chapter, I actually felt very deeply.
Looking back at the transaction records of the two years when I first learned financial management, to be honest, I felt sorry for myself back then. At that time, there was no one to teach or guide me, and the knowledge on the Internet was a mess. I believed whatever other people said. With the obsession of making money, I plunged into the fund market.
I am not a gifted investor, nor do I have extraordinary vision. I am exactly the same as every ordinary person in front of the screen: ordinary education, ordinary family, no side job with high salary, no capital support, I just want to rely on a little financial management to make life a little easier and give me more confidence in the future.
It is precisely because of this that almost all novices will step on the pits I stepped on again and again.
In the past, I always thought that losing money in financial management was a problem of the market, the market conditions, and luck. It wasn't until I settled, reviewed, and checked my transactions one by one that I fully understood: the vast majority of losses were not due to the market harvesting me, but my ignorance and impetuosity that took away the principal.
Frequent operations, chasing highs and following trends, anxious mentality, idle funds, and always wanting to make quick money... These invisible and hidden losses have worn away my profits, my patience, and my opportunities to make back my capital again and again.
In writing this book, I never wanted to teach you how to get rich overnight. I just wanted to show you all the tens of thousands of dollars in tuition fees I have paid, the detours I have taken, and the mistakes I have made.
Others will only teach you how to make money, but I just want to tell you how not to lose money.
For ordinary people, when managing money, no loss is the biggest profit; stability is the fastest way.
I hope that when you see you here, you no longer have to be as confused and anxious as I used to be, blindly tossing around, and getting more and more wrong the more you reason.
I hope you will stop being impetuous, respect the market, fear compound interest, and stabilize your mentality from today on.
Take your time, and the fund will not let down every ordinary person who persists patiently and settles seriously.
Time will definitely reward those who move forward steadily.
Dear readers, thank you for reading this.
Along the way, from the confusion when I first entered the market, the collapse of the pitfalls and losses, to the epiphany of cognitive awakening, the solidity of building a system, to the calmness of mental training, I have written all my real experiences and insights on financial management in the past few years into this book without reservation.
It is not a secret book that teaches you how to get rich quickly. It is just a growth note obtained by an ordinary working man with real money. I hope my story can help you avoid detours, gain more confidence, and no longer be alone and confused on the road to financial management.
If you have had a similar experience or have any insights after reading it, please feel free to chat with me in the comment area. Don't forget to like, collect, and follow. Every support from you is motivation for me to continue sharing.
May we all be able to stabilize our rhythm, slowly become rich, and meet a better version of ourselves in the compound interest of time✨
Chapter 8 is my final financial management answer for all ordinary people.
The whole book goes from stepping on pitfalls, losing money, and collapse, to cognitive awakening, building a system, and cultivating mentality, and finally comes to this chapter: Ordinary people do not need to get rich suddenly, but only seek to get rich steadily, grow rich, and get rich slowly.
There are no advanced skills, no myths of huge profits, just small funds, low monthly salaries, and practical plans that ordinary people can copy. Financial management is not about gambling or chasing hot spots. It is about slowly accumulating assets, slowly becoming calmer, and slowly turning your life around.
The book officially ends here. I hope that every reader who has read this can stop being impetuous, stabilize the rhythm, and let time help us stabilize compound interest and increase value year by year✨
Chapter 7 update completed!
It is difficult to make money through financial management, and it is even harder to keep money. In this chapter, I have sorted out the financial minefields that ordinary people must not touch. They are all real lessons that I have personally stepped on, seen, and suffered losses.
No leverage, no following the trend, no stud, no borrowing, no anxiety.
For novices, one less pitfall is equivalent to making more money. Keeping the principal is the number one way for ordinary people to manage their finances.
I hope this chapter can help you avoid most losses and stay on the road to becoming rich.
If you like it, give it a like and support, the final chapter will be more interesting!
Many people lose money in financial management, not because of technology, but because of their mentality.
In Chapter 6, I did not talk about complicated operations, only the most authentic inner practice. Stop staring at the market, accept the retracement, let go of your fantasy of getting rich, and stabilize your own rhythm. In the end, when it comes to financial management, the battle is never about who knows more, but who can be steady, endure, and remain calm.
If you are often anxious, impetuous, and unable to sleep because of the ups and downs, this chapter will definitely cure you.
May we all slowly cultivate our mentality, steadily compound interest, and become rich in the long run❤️
There are no beautified screenshots of profits, nor packaged operating techniques. There are only the whole process of holding positions, buying and selling, taking profits, and adjusting positions, and my true changes in mentality at that time. How to endure a bear market, how to place a fixed investment in a volatile market, how to cut profits in a bull market, the pitfalls I have stepped into, the mistakes I have made, and the experiences I have summarized are all written down without reservation.
If you are also confused in actual combat and don't know how to hold or operate it, reading this chapter may help you avoid many detours.
If you find it inspiring, please give it a like and leave a comment. Your support is the motivation for me to continue updating. Let's get rich steadily✨
Dear readers, Chapter 4 is the watershed for me from "stepping on traps" to "stable investors".
After countless times of chasing ups and downs, and being trapped in heavy positions, I finally built a financial management system of my own. From asset allocation, fixed investment rhythm, to position management, and fund screening, every method was tried out by me using real money. There is no metaphysics or empty talk, and it is all practical information that ordinary people can copy directly.
If you are tired of the anxiety of chasing ups and downs and want to find a stable way to make money, the content in this chapter may help you avoid many detours.
If you find it inspiring, please give it a like and leave a comment. Your support is the motivation for me to continue updating. Let's get rich steadily✨
Dear readers, Chapter 3 is the "turning point" in my financial management journey.
After going through countless pitfalls and losing a lot of money, I finally changed from a leek who "operates based on feeling" to an investor who "understands the underlying logic." In this chapter, I wrote down without reservation the process of my epiphany, the logic of fund making, and the weaknesses of human nature.
If you are also in the confusion of "the more you manage, the more you lose", reading this chapter may help you break your misunderstandings and find the right direction for financial management.
If you find it inspiring, please give it a like and leave a comment. Your support is my motivation to continue updating. Let's slowly become rich together✨
This chapter is the chapter in the whole book that I want everyone to remember the most and is the most heartwarming. If the skills, pitfall avoidance, positions, and operations mentioned above are all "techniques", then compound interest is the only "way" for ordinary people to manage money. I come from an ordinary background, have ordinary conditions, and have ordinary capital. I don't have any innate advantages. I once had low self-esteem. I felt that my capital was too small and financial management was meaningless. I felt that I couldn't make a splash by investing a few hundred dollars, and there was no hope. But when I really persisted, I realized that the greatest thing about compound interest is never the explosion of large capital, but the accumulation of small capital over time. Many people lose, not because of small capital or bad luck, but because they are too hasty, because they cannot persevere, and because they look down on small accumulations. Financial management is not a sprint, it is a long marathon. There is no need to be anxious for the moment, and there is no need to envy other people's short-term profits. The money others make by luck will eventually be lost based on strength; but the profits we have saved by relying on time, patience, and discipline are stable and down-to-earth, and no one can take them away. I hope that every reader who reads this can put down their anxiety and impetuosity. Don't compare your progress with others, just compare yourself with who you were yesterday. Insist on fixed investment, insist on not operating randomly, and insist on guarding the bottom line of spare money management. Time will really give you the answer. For ordinary people: patience is the cheapest asset; time is the fairest wealth. Go slowly and earn steadily, and one day, compound interest will honor all your persistence.
When writing this chapter, I was actually having a conversation with my former self. I understand very well the mentality of ordinary people when they first enter the market: they are unwilling to be stable, unwilling to make money slowly, and become jealous when they see others showing off their short-term profits. They always feel that others are getting rich suddenly, and they are the only ones who are running too slowly. So I wanted to gamble, take heavy positions, and seize the so-called "market opportunities" again and again, trying to make a comeback in the shortest time and with the least amount of principal. But after several years of financial management, my most profound realization is: the easiest people to harvest in the market are always those who want to make quick money. Slowness is not a shortcoming, it is the protective color of ordinary people; stability, not mediocrity, is the confidence for long-term profitability. Many people lose money not because they don't understand the market or because they choose the wrong fund, but because of impetuous human nature. I always want to hit the mark in one step, always want to turn around overnight, so I chase the highs again and again, fill my position again and again, and are unwilling to stop the loss again and again. In the end, I lose less and less of my principal, and my mentality becomes worse the more I play. When I wrote this book, I didn't want to fill you with chicken soup from beginning to end. I just wanted to tell the truest truth: There are no shortcuts to financial management. Behind all the short-term profits you covet are risk traps you can't see. The most precious ability for ordinary people to manage money is not to be able to buy the bottom or escape from the top, but to know how to restrain, how to wait, and how not to be greedy. Give up the fantasy of getting rich suddenly and let go of your impetuous mentality, and you will have already beaten 90% of the retail investors in the market. It doesn't matter if it's slower, it doesn't matter if it's more steady. It's not easy for us ordinary people to make money, and the principal we have worked so hard to save deserves to be treated well. Supplementary Chapter 3: The author has something to say This chapter is the chapter in the whole book that I want everyone to remember the most and is the most heartwarming. If the skills, pitfall avoidance, positions, and operations mentioned above are all "techniques", then compound interest is the only "way" for ordinary people to manage money. I come from an ordinary background, have ordinary conditions, and have ordinary capital. I don't have any innate advantages. I once had low self-esteem. I felt that my capital was too small and financial management was meaningless. I felt that I couldn't make a splash by investing a few hundred dollars, and there was no hope. But when I really persisted, I realized that the greatest thing about compound interest is never the explosion of large capital, but the accumulation of small capital over time. Many people lose, not because of small capital or bad luck, but because they are too hasty, because they cannot persevere, and because they look down on small accumulations. Financial management is not a sprint, it is a long marathon. There is no need to be anxious for the moment, and there is no need to envy other people's short-term profits. The money others make by luck will eventually be lost based on strength; but the profits we have saved by relying on time, patience, and discipline are stable and down-to-earth, and no one can take them away. I hope that every reader who reads this can put down their anxiety and impetuosity. Don't compare your progress with others, just compare yourself with who you were yesterday. Insist on fixed investment, insist on not operating randomly, and insist on guarding the bottom line of spare money management. Time will really give you the answer. For ordinary people: patience is the cheapest asset; time is the fairest wealth. Go slowly and earn steadily, and one day, compound interest will honor all your persistence.
When I wrote this chapter, I actually felt very deeply. Looking back at the transaction records of the two years when I first learned financial management, to be honest, I felt sorry for myself back then. At that time, there was no one to teach or guide me, and the knowledge on the Internet was a mess. I believed whatever other people said. With the obsession of making money, I plunged into the fund market. I am not a gifted investor, nor do I have extraordinary vision. I am exactly the same as every ordinary person in front of the screen: ordinary education, ordinary family, no side job with high salary, no capital support, I just want to rely on a little financial management to make life a little easier and give me more confidence in the future. It is precisely because of this that almost all novices will step on the pits I stepped on again and again. In the past, I always thought that losing money in financial management was a problem of the market, the market conditions, and luck. It wasn't until I settled, reviewed, and checked my transactions one by one that I fully understood: the vast majority of losses were not due to the market harvesting me, but my ignorance and impetuosity that took away the principal. Frequent operations, chasing highs and following trends, anxious mentality, idle funds, and always wanting to make quick money... These invisible and hidden losses have worn away my profits, my patience, and my opportunities to make back my capital again and again. In writing this book, I never wanted to teach you how to get rich overnight. I just wanted to show you all the tens of thousands of dollars in tuition fees I have paid, the detours I have taken, and the mistakes I have made. Others will only teach you how to make money, but I just want to tell you how not to lose money. For ordinary people, when managing money, no loss is the biggest profit; stability is the fastest way. I hope that when you see you here, you no longer have to be as confused and anxious as I used to be, blindly tossing around, and getting more and more wrong the more you reason. I hope you will stop being impetuous, respect the market, fear compound interest, and stabilize your mentality from today on. Take your time, and the fund will not let down every ordinary person who persists patiently and settles seriously. Time will definitely reward those who move forward steadily.
Dear readers, thank you for reading this. Along the way, from the confusion when I first entered the market, the collapse of the pitfalls and losses, to the epiphany of cognitive awakening, the solidity of building a system, to the calmness of mental training, I have written all my real experiences and insights on financial management in the past few years into this book without reservation. It is not a secret book that teaches you how to get rich quickly. It is just a growth note obtained by an ordinary working man with real money. I hope my story can help you avoid detours, gain more confidence, and no longer be alone and confused on the road to financial management. If you have had a similar experience or have any insights after reading it, please feel free to chat with me in the comment area. Don't forget to like, collect, and follow. Every support from you is motivation for me to continue sharing. May we all be able to stabilize our rhythm, slowly become rich, and meet a better version of ourselves in the compound interest of time✨
Chapter 8 is my final financial management answer for all ordinary people. The whole book goes from stepping on pitfalls, losing money, and collapse, to cognitive awakening, building a system, and cultivating mentality, and finally comes to this chapter: Ordinary people do not need to get rich suddenly, but only seek to get rich steadily, grow rich, and get rich slowly. There are no advanced skills, no myths of huge profits, just small funds, low monthly salaries, and practical plans that ordinary people can copy. Financial management is not about gambling or chasing hot spots. It is about slowly accumulating assets, slowly becoming calmer, and slowly turning your life around. The book officially ends here. I hope that every reader who has read this can stop being impetuous, stabilize the rhythm, and let time help us stabilize compound interest and increase value year by year✨
Chapter 7 update completed! It is difficult to make money through financial management, and it is even harder to keep money. In this chapter, I have sorted out the financial minefields that ordinary people must not touch. They are all real lessons that I have personally stepped on, seen, and suffered losses. No leverage, no following the trend, no stud, no borrowing, no anxiety. For novices, one less pitfall is equivalent to making more money. Keeping the principal is the number one way for ordinary people to manage their finances. I hope this chapter can help you avoid most losses and stay on the road to becoming rich. If you like it, give it a like and support, the final chapter will be more interesting!
Many people lose money in financial management, not because of technology, but because of their mentality. In Chapter 6, I did not talk about complicated operations, only the most authentic inner practice. Stop staring at the market, accept the retracement, let go of your fantasy of getting rich, and stabilize your own rhythm. In the end, when it comes to financial management, the battle is never about who knows more, but who can be steady, endure, and remain calm. If you are often anxious, impetuous, and unable to sleep because of the ups and downs, this chapter will definitely cure you. May we all slowly cultivate our mentality, steadily compound interest, and become rich in the long run❤️
There are no beautified screenshots of profits, nor packaged operating techniques. There are only the whole process of holding positions, buying and selling, taking profits, and adjusting positions, and my true changes in mentality at that time. How to endure a bear market, how to place a fixed investment in a volatile market, how to cut profits in a bull market, the pitfalls I have stepped into, the mistakes I have made, and the experiences I have summarized are all written down without reservation. If you are also confused in actual combat and don't know how to hold or operate it, reading this chapter may help you avoid many detours. If you find it inspiring, please give it a like and leave a comment. Your support is the motivation for me to continue updating. Let's get rich steadily✨
Dear readers, Chapter 4 is the watershed for me from "stepping on traps" to "stable investors". After countless times of chasing ups and downs, and being trapped in heavy positions, I finally built a financial management system of my own. From asset allocation, fixed investment rhythm, to position management, and fund screening, every method was tried out by me using real money. There is no metaphysics or empty talk, and it is all practical information that ordinary people can copy directly. If you are tired of the anxiety of chasing ups and downs and want to find a stable way to make money, the content in this chapter may help you avoid many detours. If you find it inspiring, please give it a like and leave a comment. Your support is the motivation for me to continue updating. Let's get rich steadily✨
Dear readers, Chapter 3 is the "turning point" in my financial management journey. After going through countless pitfalls and losing a lot of money, I finally changed from a leek who "operates based on feeling" to an investor who "understands the underlying logic." In this chapter, I wrote down without reservation the process of my epiphany, the logic of fund making, and the weaknesses of human nature. If you are also in the confusion of "the more you manage, the more you lose", reading this chapter may help you break your misunderstandings and find the right direction for financial management. If you find it inspiring, please give it a like and leave a comment. Your support is my motivation to continue updating. Let's slowly become rich together✨