1. Two Worlds: Delivery Boxes and Underlying Logic
Two years ago, my world was torn apart.
At that time, driven by desire, I fantasized about getting rich overnight and became completely lost in the digital fluctuations of contract leverage. When the liquidation notification shattered my phone screen in the early morning, I not only lost all my savings at that time but also incurred a substantial debt that was very significant to me then.
During the day, I am a computer science student, sitting in a bright classroom watching the people in the circle show off their earnings pictures. At night, I am a delivery rider weaving through the shadows of the city.
I clearly remember that stormy night when I stood downstairs with two takeout orders, stopped by security, unable to reach the customer. Since I didn’t have a raincoat, I was drenched. At that moment, my classmates were probably gaming in the dorm, while I was anxiously waiting in the rain.
But I am an extremely calm person. I have never regretted or hated myself like most people do. I never speak of regret in my actions, but I reflect deeply.
During those days of running trades to pay off debts, I experienced the greatest mindset transformation of my life. What once felt like a heavy mountain of debt, suffocating me, was gradually filled in with every takeout order and every bit of sweat money I earned.
I suddenly realized that as long as you can stick to the most tedious right thing, many seemingly unsolvable issues aren’t that hard.
At that moment, the once restless urge to chase highs and sell lows in my mind was completely extinguished, replaced by an extremely calm compounding mindset. I not only resolved to stick it out in this space but also to reconstruct my trading system with a whole new operational logic.
In that lifetime, I was too greedy and too proud, and I was mercilessly 'buried' by the market in that storm. But just like a reset in code, in this life, I cleared my debts, wiped my face, and returned with a max-level mindset and a determination to stick it out.
Don’t ask me why my gaze is so steady now; just know that it was during that storm that I thoroughly reflected.
You might ask why I don't invest in the Nasdaq or S&P 500 for compounding. First, living in the Northwest, opening an account is a big issue; I’m just a college student and don’t have the capacity for that in the short term. I’m unsure of other methods, and part of the reason is my obsession with blockchain. Since I'm back in the game, I won’t gamble; I want to try compounding.
2. My Compounding 2.0 Plan: Execute investments like writing code.
As a computer science student, I see investing as a fundamental system restructuring. In this life, I will strictly follow the logic below and never step over the line:
Core holdings (80%): All in on $BTC / $ETH / $SOL. This portion of assets I will lock directly in a wallet, and of course, I can use a cold wallet if conditions allow.
Tactical play (20%): This portion of money is used to capture high-growth sectors like AI and Meme coins. If I make a profit, it's a bonus; if I lose, it’s just paying the internet bill, but I won’t shake the foundation of my 80% core holdings.
Emotional suppression: Completely abandon the fantasy of swing trading. No longer seeking to become a legend in one battle, but aiming for the asset snowball effect after riding out the cycles.
3. Why do I believe in compounding?
Compounding often comes with a long and tedious wait before it bursts forth.
Look at the 'Oracle of Omaha' Buffett’s most insane decade: his net worth skyrocketed from $250 million to $3.7 billion, a whopping 15x! He didn’t invent any mysticism; he simply held onto his bottom line while others panicked. Bezos once asked him, 'Your strategy is so simple, why doesn’t anyone learn it?' Buffett replied, 'Because no one wants to get rich slowly.'
For students like me, let me lay out the most solid calculation:
If 5 years ago, you saved $5 (around ¥35) daily to dollar-cost average into Bitcoin, and stuck with it until today:
Total investment: approximately $9,125 (around ¥65,000)
Current asset value: approximately $21,000 (around ¥150,000)
Net profit: approximately $11,875 (around ¥85,000)
(The above are AI-calculated results)
I believe that for students, this is not only about accumulating the first pot of gold in life but also about training ironclad willpower and mindset. For many students, not to mention the compounding returns, just the accumulated principal and the mindset developed in this process is a considerable asset.
In the beginning, you might feel that saving $5 a day is slow, but as the principal accumulates, the compounding effect will explode exponentially. The larger the principal, the scarier the speed at which money makes money. Every bit accumulated in the early stage is adding weight to your future wealth snowball.
When you want more stable options, you can also invest in other more stable indices, not limited to any one market, with many varieties to choose from.
4. Conclusion: Stick to your bottom line.
Compounding never favors speculators; it only blesses those patient, logical long-distance runners. I've buried my past self who got wrecked, and in the code and storms, I’ve rebuilt a clear-headed soul.
In the end, I know my understanding is limited. This plan is my current thinking. But I really want to ask the veterans in the space, how feasible is this method for someone who hasn’t graduated yet as a computer science student? Are there any logical blind spots I haven’t considered? Or do you have more hardcore advice?