2026-01-08 18:20:17

Having navigated the crypto world for so many years, I've seen too many people get rich overnight and also witnessed many others wipe out instantly. Today, let's share some practical tips on how ordinary people can make a million dollars and avoid becoming just a "foil" in the market.

**Capital Difference Determines Strategy**

Honestly, holding 100,000 yuan and only 10,000 yuan are two completely different paths.

If you have 100,000 yuan in capital, a 10x increase means 1 million yuan. In this case, you can consider accumulating mainstream coins like Bitcoin and Ethereum. During a bear market, buy in stages; during a bull market, sell in stages. Extending this cycle over 1-2 complete market cycles, your success rate can be quite high.

What if your capital is only 10,000 yuan or less? Achieving a 100x increase becomes much more difficult. Some people bet on new tracks like AI and DePIN altcoins, others rely on airdrops and IPOs. But this path is basically a game of near-certain death—statistics show that 90% of altcoins eventually end up zero.

The core logic here is: the less capital you have, the less you should chase quick gains. Many people get wiped out by going all-in on altcoins or leveraging—simply put, they can't afford to lose but still insist on gambling it all.

**Steady Approach: Use Time to Gain Space**

If you have a regular job and don't have time to watch the market every day, why not try the "Lazy Dollar-Cost Averaging" method?

Set aside a fixed amount weekly to buy top coins like Bitcoin, Ethereum, BNB, and diversify your investments over 96 or more times. Then, turn off the app and don't check it casually. Stick with this for 4 to 8 years, and let the market cycles bring you gains.

Why does this method work? Data from the past decade shows that Bitcoin's annualized return from dollar-cost averaging has exceeded 100%. The key is that you can avoid the pitfalls of human nature—buying high, panic selling, or being driven by FOMO (Fear of Missing Out).

This approach may be slow, but it's especially reliable. Don't think it's boring—most of the people who make big money in crypto are actually those who "hold on."

BTC-0,68%

ETH-1,17%

BNB0,02%

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PanicSeller

· 01-11 18:17

That's right, the key is to hold on. I used to want to go all-in and aim for 100x, but in the end... my account was wiped out. DCA (Dollar-Cost Averaging) isn't as glamorous, but it's reliable. After four years, the returns are pretty good. If your principal is small, don't think about getting rich overnight—that's the gambler's mentality.

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DefiEngineerJack

· 01-11 00:59

well *actually*, the whole "time vs capital" framing here is fundamentally incomplete without discussing optimal rebalancing mechanics and portfolio correlation coefficients...

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VibesOverCharts

· 01-09 04:32

Dollar-cost averaging is truly a blessing for lazy people, but only if you can really close your eyes and not look at the market. Most people actually can't do this. That's right, if your capital is small, don't expect to go all-in; that's just giving away money. It's not an exaggeration that 90% of altcoins end up losing everything. Holding on is the key. Honestly, making money is a psychological game; technical analysis and other aspects are all虚的. The goal of 1 million depends on where you start. Turning 100,000 into 1 million is not the same as turning 10,000 into 100,000. Investing steadily for a few years is a hundred times more reliable than chasing hot topics every day, but how many can really stick for 4 years without losing heart?

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SelfRugger

· 01-08 18:50

Haha, dollar-cost averaging is really the best. That's exactly how I do it, and the key is that it can really help break the habit of constantly checking the market. You're right, going all-in with a small amount is just asking for trouble. I've seen too many people wipe out completely. I've been sticking to this dollar-cost averaging method for three years now, and I really have no regrets. The key is to be patient and not look at the market all the time. Holding steady is the way to go. Most people lose money because they trade too frequently. I agree, if your capital is small, you have to rely on time. There's no shortcut. Dollar-cost averaging may seem boring, but it really is the most profitable strategy. It just tests human nature too much. A 100x return isn't as good as steadily multiplying your investment by 10. That logic makes sense. The key is to have a job that provides steady income; otherwise, it's easy to break your discipline. I think the most important thing in the crypto world is just to stay alive, not to get rich overnight.

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SolidityNewbie

· 01-08 18:49

That's quite reasonable, but I still believe that 90% of people simply can't hold on, really. Going all-in in one shot is the usual move; who the hell can resist checking the market for 4 years? DCA sounds easy, but every time there's a dip, your mindset has to collapse—that's the hardest part.

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AirdropBuffet

· 01-08 18:45

Ten thousand and one thousand are truly two different worlds. I am the type of person with less principal, always trying to multiply by 100 times, but in the end, my account has long become a paper millionaire. I've heard this dollar-cost averaging argument many times, but the key is to resist the urge to check the market. For someone like me who checks ten times a day, that's simply impossible. The essence feels like: if you have no money, you can only gamble; if you have money, you can be stable. Is this fair? No. Friends who go all-in on altcoins are all silent now, and they no longer talk about the crypto circle. Four to eight years? I'm afraid I won't be able to wait until then and will be forced to liquidate.

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Ser_This_Is_A_Casino

· 01-08 18:44

Regular investing in this set really has no problem; it's a test of human nature... How many can truly stick to not checking the market? To put it nicely, most people will end up being tortured to death by FOMO. Want to multiply your principal by 100 with a small amount? Wake up, brother, that's gambling. I've seen people go all-in on altcoins, and now they don't say a word. The hardest step is turning off the app, honestly. Why does it feel like the final gains from regular investing aren't that much... In a bear market, keep buying; in a bull market, be reluctant to sell—that's the real secret to getting rich quickly.

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RektHunter

· 01-08 18:37

Hundred thousand times tenfold is indeed much more realistic than ten thousand times a hundredfold. Honestly, this is just probability theory. Dollar-cost averaging can indeed make money, but the key is that most people simply can't hold on. When FOMO hits, it's another all-in. Where do the statistics about 90% of altcoins going to zero come from? It feels like it's scaring people again. Lazy dollar-cost averaging sounds comfortable, but having to resist checking the market for four to eight years is even harder than making money in the crypto world. Holding on is the right point, but the premise is that the principal must be enough. No matter how much you dollar-cost average with 10,000 yuan, it won't reach 1 million. It's true that you can't go all-in, but you also can't be too conservative. Missing out on a wave of market movement and dollar-cost averaging for eight years could wipe out all the gains. So basically, it still depends on luck. Choosing the right track and catching the bull market is the real key.

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GasWaster

· 01-08 18:35

That's right, but most people just can't hold on. The ones around me who make money are all bored to death, while those who watch the market every day all lost money. --- 10,000 times 100? I haven't seen many who can come out alive; they all disappeared the moment their altcoins got liquidated. --- DCA (Dollar Cost Averaging) is really the simplest way to make money, but no one believes it. Everyone thinks they can catch the bottom. --- The most heartbreaking thing is the phrase "can't afford to lose but still want to gamble." Isn't that 95% of people in the crypto circle? --- Holding on is easy to say but hard to do. I’ve endured until now, but just a glance today makes me want to cut my losses. No one can get past this psychological barrier. --- Lazy DCA sounds super boring, but big players do it this way. We're still dreaming of a big gamble. --- Principal determines everything, and that's the cruel part. Someone with 10,000 and someone with 1 million are not even in the same game.

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