2026-01-09 10:22:57

If you want to achieve wealth growth, many people's first reaction is to immediately look for investment opportunities. But in reality, there is an overlooked prerequisite—you need to first save up a sufficient amount of principal.

Let's look at the data. If you have 1 million yuan in principal and an annual return of 8%, it will double to 2 million in 9 years, and reach 10 million in 30 years. Sounds pretty dreamy? But the premise of this dream is that you must first have that 1 million.

The problem for many people is this: when the principal is too small, the power of compound interest is completely invisible. No matter how high the return rate, the absolute gains are still a small amount. At this point, the smartest approach is not to obsess over investment strategies, but to roll up your sleeves and earn money, save aggressively, and firmly hold onto that initial 1 million in savings.

Only when the principal has been accumulated enough can the 8% annual return truly unleash the power of compound interest—at this point, doubling in 9 years and tenfold in 30 years will turn from numbers on paper into real asset appreciation. As your asset scale continues to grow, you'll have the opportunity to make a qualitative leap in wealth through precise timing and strategic layout.

Looking at many people, they haven't saved enough before trying to flip their fortunes in one shot. Essentially, they haven't understood this step-by-step game rule, and as a result, they lose direction in the pursuit of high profits, ending up further from their goal.

Therefore, before reaching 1 million, instead of obsessing over investment techniques, it's better to focus on improving your earning ability. When the sequence is right, wealth accumulation can proceed steadily, ultimately achieving a transition from quantitative growth to qualitative change.

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GateUser-9f682d4c

· 01-12 09:50

That's right, you have to have money first to make money. The principle is simple, but few people follow it. If the principal isn't in place, any investment strategy is nonsense. A few crypto friends I know have been burned by this—spending every day analyzing technical and fundamental aspects, but their initial capital is only a few thousand yuan. Earning 50% would only be an extra two thousand yuan, and half of that is eaten up by trading fees. Now that I’ve done the math, I realize you still need to first build up your initial capital. Whether it's saving from your job or side income, you have to focus on the principal. Only when the scale is enough can compound interest really work.

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Frontrunner

· 01-11 23:55

That's so true. Principal is the key; without the principal, trading is pointless.

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MemeCoinSavant

· 01-11 16:43

nah the whole "grind first, leverage later" thesis is mathematically sound but nobody wants to hear it... we all want the one-shot pump

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LiquidationKing

· 01-09 10:52

That's right, but you need to have money first. --- Principal is the key, why bother with investment skills when you're just thinking about it? --- Even with 1 million, you still want to achieve compound growth, what are you thinking? --- That's the truth: earning ability > investment skills, you need to recognize that. --- Many people are putting the cart before the horse, thinking about racing before they've even gotten on the train. --- Save money, invest money, then compound—this order must be correct. --- Honestly, from the start, you need to save like crazy, don't mess around. --- The 1 million threshold blocks many people; you have to take it step by step.

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ProveMyZK

· 01-09 10:52

Well said, principal is the foundation. Without a solid base, reckless actions are just gambling.

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LadderToolGuy

· 01-09 10:46

That's very true, but I find that most people around me simply can't stick to saving money, and instead get cut by all kinds of stories about quick wealth. After reading it all at once, there's only one sentence: without principal, don't even think about 8%. First, improve your earning ability. This is the hard truth. Compound interest is indeed powerful, but you need bullets first; otherwise, even the best strategy is shooting blanks. Why do people always think about investing to turn things around? It's better to take a good look at whether your cash flow is stable—that's the real moat. Everyone chooses to avoid the painful period of principal accumulation, then complains about how there are no investment opportunities. The real problem is themselves. Don't worry about timing before you have 1 million; save money honestly. That's the simplest and most effective logic.

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ContractCollector

· 01-09 10:42

That's correct, but the problem is that most people can't even save their first 1 million.

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TokenSleuth

· 01-09 10:36

Alright, that's true, but the first one million is really the hardest part. The ability to make money is the foundation of everything.

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DegenWhisperer

· 01-09 10:35

Well said, principal is king. Without 1 million, there's no need to wander in dreams.