There are essential differences between the economic models of China and the United States. China mainly relies on government-led investment and manufacturing to drive GDP growth. This model is prone to overcapacity and capital misallocation, leading to declining corporate profits and sluggish income growth for employees. Wealth is primarily concentrated in local governments, state-owned enterprises, and a few private giants, making it difficult for ordinary workers to share in the development dividends. The financial market primarily serves the financing needs of real enterprises, but there are characteristics of a policy-driven market and issues with major shareholders cashing out.

In contrast, the U.S. economy is driven by consumption, technological innovation, and financial hegemony. It allows the middle class to directly participate in capital appreciation through tools such as the stock market and property tax reductions, forming a virtuous cycle of "wealth effect - consumption - corporate profits." This enables residents' wealth to continue growing, and consumer demand remains robust.

Given these differences, it will become increasingly difficult to make money using traditional thinking in the next 3-5 years. China's old growth model is already facing diminishing marginal returns, and the internal competition in overcapacity industries makes it difficult for small and medium-sized enterprises to survive. While the U.S. has advantages, it also faces challenges such as widening wealth gaps and inflation due to industrial reshoring.

To seize future wealth opportunities, it is essential to focus on the development of the digital economy. In China, one can invest in areas such as AI + manufacturing, cross-border e-commerce, and the silver economy; in the global market, the AI Agent ecosystem, energy digitalization, and the intersection of biotechnology all contain enormous opportunities. Individuals should adjust their asset allocation, enhance their digital skills, and adeptly use the technological lag and regulatory differences between China and the U.S. to find arbitrage opportunities. Future wealth growth will increasingly depend on the ability to timely engage with emerging digital economic ecosystems.