A person who has a concept of money and understands investments usually has the following characteristics:

Emotionally stable

Not easily impulsive, panicked, or blindly following trends; under pressure and temptation, they can still make rational choices.

Understanding risk assessment

They don't just see the positive side but also think clearly about the worst-case scenario, knowing which risks are bearable and which are not.

Having a long-term vision

They care about future stability and accumulation rather than short-term stimulation or immediate returns.

Basic thinking and learning ability

They can distinguish trends and rhetoric, are willing to adjust after making mistakes rather than repeating them.

Clear awareness of responsibility

They understand that every decision comes with a cost and will not put themselves or those around them at unnecessary risk.