Simple rules, repeat actions, making money is really not that complicated
In the blink of an eye, I have been in this circle for ten years. I still remember entering the market with a trembling heart, holding the 180,000 yuan I earned from working. Now my assets have slowly accumulated to 80 million. All this way, I have always done just one thing: spot trading, keeping a distance from those flashy contracts.
Although my story is not as legendary as some, going from one hundred thousand to one hundred million, I am very content. After all, only by moving steadily forward can one go far. Let me quietly tell everyone, my small goal this year is to break nine digits in my account, laying a better foundation for next year.
Today, I want to talk to you about how ordinary people should hold virtual currencies. This is not some profound tutorial, just my real experiences over the years.
First, understand what you are playing with.
Many people rush in asking, 'What can make me rich quickly?' without even understanding the basic concepts of Bitcoin and Ethereum. My advice is to first understand the four pillars of the market:
Bitcoin is digital gold. It doesn't have the complex functions of those altcoins; its core advantage is its scarcity with a total supply of 21 million coins. This 'unchanging' characteristic makes it a stabilizing force in the market. Why are institutions eager to buy? Because it is an inflation-resistant asset allocation tool.
Ethereum is the foundation of ecological innovation. 90% of applications like NFTs and DeFi are built on Ethereum. If Bitcoin is a safe deposit box for savings, then Ethereum is a production line for making money.
Stablecoins are the bridge to enter and exit the market. The first step in buying and selling virtual currencies is often to exchange fiat currency for USDT or USDC. They also serve as a safe haven during market crashes, preventing panic selling.
RWA (Real World Assets on the blockchain) is the gateway to the future. US Treasury bonds, gold, and even real estate are being 'tokenized.' This means that the crypto market is no longer just a small circle playing with itself, but is beginning to connect with the massive assets in the traditional financial world.
What should ordinary people do?
First, dollar-cost averaging into Bitcoin is an old-school but the most reliable choice.
By 2025, Bitcoin has reached $100,000. Although there are fluctuations, in the long run, dollar-cost averaging is the best strategy for ordinary people. Set aside 5%-10% of your income every month, choose a reliable platform like Coinbase or Binance, and buy at regular intervals. Don’t always think about chasing highs and lows; data doesn’t lie: the average annualized return of Bitcoin dollar-cost averaging over the past five years has exceeded 50%, outperforming most assets.
I tend to add a small amount when the market crashes. Remember, a crash is a gift, an opportunity to enter at a discount.
Secondly, stablecoin mining can provide stable 'passive income.'
If you invest most of your funds in Bitcoin and Ethereum, you can keep some stablecoins on DeFi platforms like Aave or Curve for staking. The current annualized yield is around 5%-15%, which is much better than banks. This is like building a stabilizer for yourself in a highly volatile market.
But you must choose reliable platforms. Don’t chase high returns to unknown projects; my principle is: safety is always more important than returns.
Third, mindset determines success or failure.
When I first started trading, I was so anxious that I couldn't sleep, and I would wake up at midnight to check the prices. But now, I can calmly watch the market fluctuations. How much money you make depends on your skills, but keeping your money safe relies on your mindset.
Don't panic during crashes, and don't be greedy during surges—understand the importance of taking profits. Just relying on this principle, I have surpassed 70% of the players around me. Many people don't lack technical knowledge, but they lose to their emotions.
Remind yourself of a few common pitfalls.
Don't let FOMO emotions lead you by the nose. When the market heats up, all kinds of 'picks' will come in the groups. Many people rush in at high points out of fear of missing out, only to get stuck for years. My strategy is to only add positions during a 10%-20% pullback, strictly executed.
Beware of black swan events. Policy changes and hacker attacks are always swords hanging over your head. My asset allocation is: 60% in Bitcoin and Ethereum, 30% in stablecoin mining, and 10% in trying new emerging projects. Important assets must be stored in cold wallets, leaving only a small amount of trading funds on exchanges.
Don't get addicted to Meme coins. Especially now that AI can generate Meme coins in bulk, 99% of projects don’t last a month. If you want to play, just use a little pocket money, take profits when you can, and don’t fantasize about being that lucky one.
My real experience.
After years of trading, my biggest realization is: do simple things repeatedly. Find a few strategies that suit you and stick to them; it’s much more reliable than chasing trends every day.
The market always has opportunities, but not every opportunity belongs to you. Understanding your own abilities and risk tolerance is ten times more important than studying some mysterious indicators.
In the crypto market of 2025, institutional funds are entering on a large scale, and technology is becoming more mature. For ordinary people, a long-term layout is more valuable than short-term speculation. Treat virtual currencies as part of your asset allocation, rather than a shortcut to overnight wealth, and you can truly seize the dividends of this era.
Remember, in this market, survival is the hard truth. First seek not to lose, then seek to win.
This is my heartfelt advice after ten years of trading. I hope my experience can help you avoid detours. If you have any questions, feel free to communicate—after all, in this market, sharing and learning are the ways to survive.
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