2026-01-01 15:22:12

Many people don't understand why some start thinking about investing at a young age. Actually, the logic behind it is simple—your background determines your starting point, but financial literacy determines your ceiling.

I come from the most ordinary family background. Most people around me live their financial lives like this—working, saving, spending, in a cycle. It wasn't until someone started to get involved with stocks, funds, futures, and other investment tools that things changed. It may seem like this person is "not focusing on their main job," but in reality? They are doing something crucial for the entire family—upgrading their financial literacy.

This is not gambling, nor is it speculation. True investing is choosing to become a participant in capital flow, rather than always standing outside looking in.

When I was in college, I gradually realized a harsh truth: labor can only guarantee your survival; only capital can give you the freedom to choose. But ironically, many people fear the uncertainties of investing, yet are willing to accept more certain risks like inflation, currency devaluation, accidents, and serious illnesses. How many are actually choosing a kind of "certain poverty" and dare not pursue "possible wealth"?

If you are the first in your family to take the plunge, that lonely exploration is actually a turning point—it breaks the traditional single-path model of wealth accumulation. You are not only building an investment record but also creating a legacy of thinking. Your understanding of compound interest and risk will serve as a reference for future generations when facing wealth.

The true value of this path is not in how much is in the first account, but in that from then on, the next generation in the family sees wealth with an added sense of possibility.

Warren Buffett is right: if you can't find a way to make money while sleeping, you'll have to work for your entire life. The step you take now is the gateway for your whole family to start on the path to financial freedom.

Mindful participation will always surpass pointless absence. Wishing everyone a smooth journey in investing in 2026.

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HalfPositionRunner

· 7h ago

Indeed, financial literacy really can change one's fate. My parents' generation was stuck in a cycle of working, saving, and spending. Now, I still don't fully understand investing... but I am determined, because this is the key to breaking the social class barrier.

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NFTregretter

· 7h ago

To be honest, the phrase "certain poverty" hit me. Sitting alone and fearing risk is actually the biggest risk.

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All-InQueen

· 7h ago

That's right, but I think the key is to find your own rhythm and not blindly follow the trend to work hard. It's a bit heartbreaking... Why are so many people choosing to lie flat, knowing that inflation is eating away at their savings? The part about the family being the first to try new things was really lonely, but looking back now, it was totally worth it. Compound interest sounds simple when you talk about it, but not many people truly understand it. The choice between working for a lifetime and earning while sleeping really woke me up. However, when it comes to investing, you need to have risk awareness and not just focus on returns. I agree that intellectual legacy is more valuable than the numbers in your account. 2026, charge ahead! But don’t go all in either. Seeing people around me still stuck with fixed salaries, I do feel a bit powerless.

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AirdropNinja

· 7h ago

That's true, but my family still says I "play with money," not realizing that they are the real gamblers.

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