I have really discussed this issue of Unicorn with many friends.

Regardless of whether they are traditional friends or those in the crypto circle, there is a similar tendency; most friends choose to be conservative after their cash flow exceeds 2 million dollars, while very few choose to be aggressive. In fact, the majority of those who choose to be aggressive either become exceptionally wealthy or end up with significant losses.

Traditional friends often invest around 1 million dollars in bonds or some fixed income, especially those who are still working rarely invest this money into physical industries or start a business. For most friends, a return of over 3% on 1 million dollars, which is about 30,000 dollars, would be considered a household risk investment, such as investing in stocks, etc.

Of the remaining 1 million dollars, about half will typically be allocated to some U.S. stock indices, like VOO and QQQ, or invest regularly in some assets, all of which are considered lower risk with decent long-term returns.

The remaining half is often used as liquid funds. This kind of life is actually similar to what Unicorn said, barely allowing one to live a laid-back life domestically, but crossing classes is still quite difficult, especially with dependents above and below. And to gamble again, there were indeed quite a few around me in the past few years, including many friends from big tech companies, and as a result, most went back to honest work, while a few did indeed fare better.

However, in the past two years, the number of people around me who dare to gamble has decreased significantly. The domestic economy is not very prosperous, with those employed worrying about unemployment and those starting businesses worrying about liquidation; being able to ensure normal income is already quite good.

Those with higher liquid funds will shift towards private banking and insurance; the former aims to let funds outpace inflation, while private banking doesn't require one to make a lot of money, as outpacing inflation is already satisfactory. The latter is aimed at minimizing the risk of a downgrade in living standards.

Friends at this stage are really seeing their pocket funds looking pretty good, but they still live cautiously. Of course, if they are young and single, it’s a different story.

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