If you hold 10 million in cash and aim for a 10% return goal

I will directly treat it as 1.4 million

In my view, the first thing is to control spending to ensure you don't fall into poverty, which will surpass a lot of people. So don't spend too much energy on daily PVP; it doesn't make much sense.

1. First, take 1 million as a part that you won't touch and invest it for stable returns of 2-5% annually.

400,000 to Binance

300,000 to OKEx

200,000 to Kraken

100,000 in stablecoins on-chain for some liquid interest. Overall, this part can yield between 2%-5%.

These exchanges can't just run away, right? The 10% on-chain can be invested or not; I believe it exists as a safety net on-chain and should not be easily touched.

2. 100,000 to wait for a bigger opportunity, investing 10,000 each time.

First, be clear that investing 10,000 in small altcoins is quite risky. Most small altcoins on the market will mean you are withdrawing liquidity if you put in 10,000.

What is a relatively big opportunity? I think just follow the leading figures in the space.

For example, @0xSunNFT and @EnHeng456 are at a stage where they disdain putting out trash. If it's not something particularly good, they generally don't mention it; otherwise, it would be very damaging to their reputation. So we just wait for their tweets to see.

If you can't find who the leaders are, go to Kaito or Cookie's lists to find the top projects and sift through their past tweets.

If it’s reasonable and persuasive, then you can add a little bell. For those who constantly reverse directions, just hide or block them to avoid affecting your timeline.

Of course, it doesn't mean that what they say will definitely make you money. I think for retail investors to make money from what they post, two points must be satisfied:

① The concept is relatively new

② There is also expected growth potential.

This kind of investment could yield between 2-20 times; when things are good, it could even be over 100x.

3. 100,000 to find newer fields for investment, putting in 5,000 to 20,000 each time.

Earning money in this way actually tests the choice of assets quite a bit.

Of course, it needs to meet several characteristics:

① I can understand it

② Good backing; the team is willing to work and spend money

③ Others have not fully discovered its value yet.

It feels like it’s not too easy to lose; if you earn, it could be quite a lot. Like when I just returned in April, I bought all sorts of things and got cut by a few; the reason was that the backing was poor, and I didn’t strictly follow the standards for selection.

In the end, I managed to profit from Virtual and Telegram NFTs.

But I’ve been very lazy recently. If you ask me, I don’t even know what to look for now; I can only say to continue observing similar opportunities.

4. 100,000 to gradually buy the dip on mainstream coins. This part may not necessarily earn, but I think there’s no need to trade frequently. Just keep an eye on BTC and ETH. Every time there’s FUD news coming out and the market keeps dropping, just buy the dip between 5,000 to 20,000 and take a long-term approach.

5. 100,000 to spend, spend, spend, spend, spend!

10,000 to upgrade my notebook to the latest MacBook and my desktop to a newer configuration; use the Mac for crypto trading and the desktop for gaming.

10,000 to top up 648; whatever game I want to play, just top up 648. I can top up a hundred times and still not finish. I can’t be a giant spender, but it’s enough to play comfortably. Once I get tired of a game, I can just switch; it hardly costs much. For single-player games, it costs even less.

30,000 just to buy things. If I want a bag, I buy a bag; if I want a watch, I buy a watch. No need to buy a lot. After spending, I’ll just get more money next year.

20,000 to go out and have fun; whatever coin I trade, just buy it and leave it there. I should go on a road trip, fly abroad to eat, rest, and play. Go skydiving, paragliding, snorkeling, and skiing; experience everything I haven’t tried. I won’t even be able to use it all up.

20,000 to reconnect with old friends over meals; what we eat isn’t important. It’s mainly about emotional exchange. When eating, don’t talk about trading. After dinner, do whatever you like. It’s also hard to spend all of it.

The remaining 10,000, I can’t think of anything. I think if you can’t spend it all, you can give it to me; I’ll help you spend it. As the saying goes, giving someone a rose leaves a fragrance in your hand. If you give me money, I gain happiness, and you get the joy of giving.

When can’t money be made? Life is just a year less each year.

Life is like a dream; how much joy can there be?

I advise you not to cherish your golden silk clothes; cherish your youth instead.

Want to buy osmanthus flowers and drink wine together; it’s never the same as the joys of youth.