Chatting with a few friends who play tennis, the consensus is that Chinese people, young people from small towns, and those in large first-tier companies can normally accumulate 10 to 20 million in net cash before the age of 35, as long as they're not slackers, have a skill, and avoid reckless investments and startups.

Fate will always favor you a few times; seizing one opportunity is at this level, including but not limited to starting several hundred businesses, having a ByteDance colleague who brought you along with stock options, Tencent shares, and receiving part of the money when the company was acquired by BAT. At the very least, working your way up could yield an annual salary of about 300,000, which adds up to over a million after so many years.

However, the path to rising beyond 10 to 20 million is heavily reliant on opportunities:

Some come from wealthy families, and their startups get acquired directly, holding NVDA for 7 years.

Some bought BTC at 4,000 and have never looked back.

Some bought BNB at 7 and cleared it out last year to buy a house.

To achieve significant results, it ultimately relies on buying high-quality assets and letting compound interest work over time.