I saw an interesting question: What level is having a net asset of 50 million at the age of 38?

The wealthy people I know mainly fall into two categories: one category studies computer science, joins big companies to get stock options or successfully starts their own businesses; the other category consists of investment experts, who progress step by step through compound interest.

Excluding second-generation rich kids, among my real acquaintances, those who reply to WeChat messages and can be invited to dinner, there are probably only about 3 people who earned 50 million by the age of 38.

1. Joined a certain company early on, and achieved success after the company went public. 2. Extremely capable, became a senior executive at a major company by the age of 38. 3. Professional stock trader, should have reached A9 by the age of 38, but due to a habit of using several times leverage for short-term trading, currently may have negative assets.

However, after the age of 38, especially after 40, many have achieved this success, at least dozens. In other words, the probability of becoming wealthy after 38 is at least ten times greater than before.

Although I don't have 5000, my experience is similar. At 33, I was relatively successful academically, but almost completely failed financially, having little to my name besides a modest apartment. So if any readers are not yet 38 or 40, you can still look forward to the future.

The reason is quite simple: whether in investment or work accumulation, except for a few geniuses, most people essentially enter as negative assets, causing trouble without solving problems, and only gradually become positive assets to accumulate compound interest. For men, it typically takes until about 35 to achieve psychological maturity and start doing things with style. Youth and wealth are indeed hard to reconcile, so 'dashing in fine clothes on a spirited horse, with wealth in youth' is a very rare resource!

For most people, rather than pondering how to earn more when young, it's better to exercise and strive to maintain a relatively young physical state when wealthy.