#比特币价格预测 Seeing CZ's suggestion, I was reminded of a often overlooked issue—after receiving a large sum of money, many people's first reaction is "all in on a certain asset."

The story of this lucky lady is quite interesting. CZ's math is correct; a $1 million investment in BTC could indeed yield long-term returns far exceeding 5.2 million in annuities. But there's a hidden premise here: you need to live long enough, the market needs to be stable enough, and your mindset needs to be strong enough.

I've seen too many people who, upon receiving an unexpected windfall, rush to gamble everything. The result is often regret at the first price correction, and wanting to cut losses at the second fluctuation. An emotional decision like that can ruin the entire plan.

Rather than obsessing over how high Bitcoin will rise, it's better to ask yourself three questions: Can this money withstand a 50% drawdown? Can you psychologically handle 3-5 years of volatility? Are your living expenses and emergency funds fully independent?

The truly prudent approach is to layer your funds—emergency reserves, living security, and long-term appreciation—each in its place. Only the portion beyond daily needs is worth risking higher volatility and potential higher returns.

High returns always require high patience. This is a game of time and mindset; there's no rush.