The most difficult part is going from zero to the first pot of gold; this is a process of breaking out of the cocoon and becoming a butterfly. Many people will remain stagnant in the first round, mainly due to various factors, such as coming from a non-wealthy family, the need for significant expenses when getting married and having children, spending money extravagantly without understanding planning, failed entrepreneurship, lack of a social circle, and having no time to think while hustling for a living. There is also a lack of financial knowledge. Even if one enters the third stage where money makes money, there will still be many cognitive pitfalls to face, requiring one to confront and overcome human nature. Continuous learning, learning correctly, engaging in upward social interactions, reading, having role models, and character are all summaries of the results.