I have witnessed too many scenes of breakdown in the dead of night:
• A university student used tuition fees to open 100x leverage, and woke up owing the platform.
• A delivery worker mortgaged their marital home to cover losses, only to find that a market tremor turned a down payment into a loan;
• A mother maxed out three credit cards and stubbornly held positions, only to find that interest outpaced the principal.
Debt itself is not scary; what is scary is trying to fill the hole with a gambler's mindset.
The following 'three axes of debt clearance' is the process I summarized through three years of blood and tears, not to teach you how to get rich overnight, but to teach you how to gradually flatten the debt curve.
The first key: Cut off the 'faucet' of funding sources
Immediately, right away, in one go:
1. Disable Huabei, automatic credit card installments, and all online loan app borrowing channels;
2. Uninstall or hide all 'borrow money' buttons on your phone;
3. Compress monthly fixed expenses to only living expenses + repayment amount.
Why?
Under high pressure, people tend to see 'recouping losses' as the only goal, which distorts their operations. Turn off the faucet to force yourself to calm down.
The second key: Establish a 'safe position' firewall
No matter how much principal you have left, forcibly split it according to the following ratio:
Transform 'gamble once' into 'three cash flows'—one for practice, one to resist inflation, and one to directly pay off debt.
The third key: Mechanical trading, locking emotions in a cage
Make only 1-3 trades a day, at 5-15 min intervals, with the following rules:
1. Choose currency: Volatility > 5% and sufficient depth;
2. Open position: Fixed 1-2% stop loss + 2-5% take profit;
3. End of the day: If profit ≥ 5%, shut down immediately; if loss ≥ 2%, also shut down.
Four additional locks:
• If the position exceeds 4 hours, close it unconditionally;
• 22:00-02:00 No new positions (liquidity trap + emotional trap);
• Hold no more than 2 types of currencies simultaneously;
• When emotions run high → run 5 kilometers before returning to review the market.
The real conclusion: In front of discipline, all beings are equal
• A single mother started with 2,000 USD and cleared 380,000 USD in credit card debt in 6 months—thanks to a daily 3% take-profit strategy.
• A wealthy second-generation exchanged a 911 key for a Meituan electric bike—because he always fantasizes about 'a big bet to recoup losses.'
Final statement:
The most extravagant during the debt period is not profit, but a sense of rhythm.
Write each trade as an SOP (Standard Operating Procedure) and treat each repayment as a task to check off.
When you break 'recouping losses' into 365 small goals, you will find:
The market is still the same market, but you are no longer the same you.
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