Whenever it comes to wealth accumulation, many people fall into two extremes: either going all in on a certain coin to bet on the future, or keeping everything in the bank watching it depreciate. In fact, there is a third way, and it is the most friendly to working professionals.

Fiat currency quietly depreciates every year, and this is an undisputed fact. As a fixed-supply, decentralized asset, BTC has experienced significant volatility over the past decade, but its long-term return outperforms traditional savings by a wide margin. The key is not to guess the highs and lows, but to set aside some idle funds and invest a fixed amount every month.

Why is dollar-cost averaging more elegant? First, it smooths out costs, so you don’t have to watch the market every day and torment yourself; second, it diversifies risk, allowing you to continue accumulating even during short-term dips; third, it stabilizes your mindset—essentially, converting depreciating cash into an inflation-resistant alternative asset. This is called rational allocation, not speculative gambling.

To be blunt: social stratification has become the norm, don’t let short videos and celebrity gossip consume your growth time. The real hard currency is self-improvement; social interaction is value exchange. Relying on yourself is better than relying on anyone else. Start allocating and investing in BTC now, and your returns in ten years will exceed your expectations—this moment is already the youngest you can be.

By 2026, replace blind faith with rational asset allocation, and let time and compound interest work for you.