The myth of getting rich in crypto is too common. Many people fantasize about putting 10,000 into altcoins and turning it into 10 times overnight. But the question is, is the crypto space really suitable for ordinary people for financial management? With a monthly salary of 10,000, how should one allocate funds reasonably to achieve steady growth instead of being cut off?
Today, we will break down how ordinary people can use a monthly salary of 10,000 to achieve wealth growth in crypto!
📊 1. In crypto finance, first clarify three major principles.
🔹 **❌ Don't go all in!** The risk in crypto is extremely high; reasonable capital allocation is more important than betting on the right direction.
🔹 **✅ Only invest money you can afford to lose!** Crypto can double your investment or wipe it out overnight; don’t risk your living expenses.
🔹 📌 Diversify investments and avoid the FOMO (fear of missing out) trap! Blindly chasing prices will only make you a retail investor.
📌 Conclusion: Don’t think about getting rich overnight in crypto; instead, aim for long-term steady growth to weather bull and bear markets.
📈 2. With a monthly salary of 10,000, the most reasonable financial plan in crypto.
✅ 【Conservative】Invest 10-20% (1,000-2,000 yuan) in BTC/ETH monthly.
• Suitable for most people, no need to watch the market closely, just be consistent.
• Historical data shows that long-term investment in Bitcoin/Ethereum outperforms traditional financial management.
📌 Practical plan:
• After receiving your salary each month, spend 1,000-2,000 yuan to buy BTC/ETH, regardless of price fluctuations.
• Sell in batches when the bull market exceeds 5 times, and continue to invest in the bear market.
• Goal: Earn 5-10 times in 5 years, achieving long-term wealth growth.
🔥 【Advanced】30% in spot trading, 20% in DeFi mining, 50% in USDT to prepare for a bull market.
• Suitable for investors willing to study crypto strategies and improve yields.
• Hold mainstream coins for the long term and earn passive income through DeFi mining.
📌 Practical plan:
🔹 30% in spot trading (BTC/ETH/SOL and other mainstream assets) → Long-term holding, not influenced by market emotions.
🔹 20% DeFi (staking and mining, annual yield 10-30%) → Let funds continuously roll and appreciate.
🔹 50% USDT waiting to buy at a dip in the bull market → Prepare enough ammunition to enter when the market drops.
💰 Goal: Achieve 3-5 times returns in 3 years, significantly profiting in a bull market.
⚡ 【Aggressive】20% in spot trading, 30% in swing trading, 50% in small-cap coins during a bull market.
• Suitable for investors willing to spend time researching market trends and with certain trading abilities.
• Utilize market cycles for swing trading and seize bull market opportunities.
📌 Practical plan:
🔹 20% in long-term spot holdings (BTC/ETH, steadily increasing in value).
🔹 30% in swing trading (based on market trends, capturing a 30%-50% increase).
🔹 50% capital to lay out small-cap potential coins in a bull market (possible 10x, but extremely high risk).
🚨 Note: This strategy has the highest risk; it is recommended to only use 'loss-acceptable funds' for trading!
📉 3. With a monthly salary of 10,000, which financial management methods must be avoided?
❌ Blindly going all in on leveraged contracts: 90% of people end up liquidated, losing everything.
❌ High APY (Annual Percentage Yield) scams: If DeFi mining yields are too high, they are likely scams (LUNA, FTX are cautionary tales).
❌ Trusting KOLs for trading altcoins: 99% of 'millionaire' screenshots are just traps for retail investors.
📌 Conclusion: In the crypto space, preserving your principal is more important than making quick money!
📢 What do you think is the best way for someone with a monthly salary of 10,000 to manage finances in crypto?
🔥 Are you a long-term BTC investor or a swing trader?
💬 Do you have successful experiences or pitfalls in crypto finance? Feel free to share!
📌 Follow me to master the most practical financial strategies in the crypto space and truly increase your wealth! 🚀
