When the central bank opens the floodgates, interest rates fall, and the world seems to be soaked in a sea of cheap money. This is not an invitation to a wealth feast, but a silent encirclement of ordinary people's wealth. The decline in interest rates is not a clarion call, but a sign of reduced market vitality—the roar of the economic engine is gradually weakening. At this time, making money becomes increasingly difficult, and cash deposits are like a ballast in stormy seas; steady defense is the best strategy.
Unfortunately, too many people are lured into the wrong path by illusory brightness:
The 'lone warrior' of blind entrepreneurship: With low interest rates, borrowing costs are low, but the consumer market shrinks and demand is sluggish. At this time, rashly entering physical business is like walking in the wind while holding fragile porcelain. Countless small shops open under the illusion of 'low cost', only to eventually exit in silence due to the brutal reality of 'zero income'.
The 'gambler' of leveraged speculation: The decline in interest rates ignites the speculative flames of leveraging, and the paper wealth leveraged in the stock market, cryptocurrency, and real estate swells like a bubble. But when the market direction reverses, the hurricane of forced liquidation can easily sweep away years of accumulation, leaving only a wasteland of debt fragments.
The 'lemming' of trend investing: Lost in the torrent of information, chasing hotspots, believing in 'get rich quick' myths, and investing hard-earned money in fields they completely do not understand—results often lead to being harvested like chives.
The so-called 'once wealthy in a lifetime' is the ultimate wisdom that settles after weathering storms. In the complex maze of low interest rates, true heroes understand the philosophy of 'lying flat'—this is not passive escapism but a clear strategy of retreating to advance:
Cash is king, respect uncertainty: Maintain sufficient liquidity, enhance the ability to withstand risks, and wait quietly for truly high-quality opportunities to emerge.
Steady value increase within the capability circle: Deepen expertise in familiar fields and seek gentle asset accumulation under low-risk conditions.
Reject temptation, cultivate willpower: Stay alert to market noise and deeply understand the simple truth that 'not losing is winning'.
Countless historical lessons have long been etched: Humanity never easily absorbs the wisdom of the past, having to hit a wall before understanding to turn back. Hitting the wall in youth still allows for the possibility of getting up and re-organizing; hitting the wall in old age may lead to shattering bones, with no room for maneuver.
In the era of low interest rates, 'lying flat' is not cowardice but a kind of clear strategic steadiness. It requires us to see through the superficial temptations, resist inner greed, and with great patience and wisdom protect the hard-earned foundation of wealth. Being rich once in a lifetime is enough; sitting steadily in the boat against the current, quietly observing the rise and fall of tides may sometimes be the most astute journey. When the bubbles are punctured one by one by time, those who stay true to their roles and cherish their feathers will ultimately laugh last in the long run of wealth.$BTC
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