The current yield situation of low-risk assets in RMB is indeed worrying, with risk assets hovering around 1.5%. I have done the math, and to achieve financial freedom solely through passive income, at least 50 million in principal is needed to live relatively comfortably. This means that for most young people, completely lying flat is a false proposition.

Rather than fantasizing about getting rich overnight, it's better to be practical. While you're young, convert your time into cash flow and use continuous income accumulation to make up for the low returns on individual capital. This is the realistic path.

Of course, there is a heartbreaking fact that must be stated here: investing is essentially a zero-sum game. Other people's gains are your losses; the faster others earn, the faster you lose. If you frequently incur losses in the market, rather than continuing to participate, it would be better to admit early that you are not suited for this game. Persisting in the competition will only accelerate the shrinkage of your wealth.