What is the ceiling for an ordinary person's lifetime savings if they are not in the cryptocurrency industry? Let's start with a cold joke: fraud is a technical job. Regarding public deposits, fraud groups are the most aware of this matter, and their answer is: 300000. At the same time, as a financial practitioner in the opposite field, my wife also works in the banking system and is qualified to analyze and analyze. Simply put, hierarchical nodes: 30100600 Private banks above 600, collectively referred to as wealth managers below 600, too detailed classification is inconvenient to elaborate on Let's start with the conclusion, what is the ceiling for ordinary people, actually around 300, The average person who can store this number is between 50-60 years old, In addition, most ordinary individuals have a deposit limit between 300000 and 500000 yuan based on their own income. No investment, no borrowing, stable job, frugal lifestyle, open source and save money It's just that hardcore, it's against common sense, completely different from what's on the internet, Yes, the logic of making money in reality is opposite to that of the internet, and it is steadily accumulated step by step. The constant promotion on the internet is to beat inflation, money is earned, not saved. Does this make sense? That makes sense, because this is a perception of money liquidity. It's interesting that in reality, these private clients don't care at all, and even don't understand. Finally, as an investor, considering that it is difficult for ordinary people to save more than 3 million yuan in their lifetime and personal savings are susceptible to inflation erosion, it is a pragmatic choice for young people to invest in BTC and gold: gold has clear anti inflation properties and can hedge against currency purchasing power dilution; BTC, with a fixed scarcity of 21 million coins, is suitable for the wealth storage needs of the digital age, and regular investment can smoothly fluctuate. Allocate 10-30% of idle funds between the two, without deviating from the essence of "stable accumulation", while also building a protective net against inflation.