Do you remember that moment in 2017 when I drove out of the 4S shop in my newly acquired Porsche, thinking to myself that I was a walking investment legend? Starting as an office worker with just a few thousand yuan to test the waters, my account eventually received nearly 10 million, and I felt like I was floating.

Until the night of March 12, 2020, everything changed. Watching the screen as my account plummeted from nearly 10 million to almost zero, my hands shook so much that I couldn't even light a cigarette. In that moment, I understood that the market never goes easy on you just because you had made money before.

After ten years rolling in this circle, falling from the peak to the bottom, and then getting back up to stabilize profits, I have summarized a few life rules at the cost of my blood.

**Rule 1: Only play with money you can afford to lose; eating and sleeping are more important than watching the market**

In the past, someone came to me asking to borrow money at high interest rates to gamble on altcoins, claiming that it could double. I hesitated for a long time but ultimately didn't lend. When he sold his house to pay off his debts, at least I could ensure that I had rent covered every month. It's not about being smart, just living a bit longer.

The most heartbreaking truth is: how long your funds can last determines how long you can survive in this market. My current strategy is very simple - only use spare money that I won't need for more than three years. Assuming I can save 3000 a month, the initial investment is at most 3 months of living expenses (9000). I won't touch my mortgage, betrothal gifts, or retirement funds.

Look at those players around you, who put all their assets on the line during the end of the bull market and even leveraged their bets. As a result, when the AI bubble burst in February 2025, 710,000 people were liquidated overnight. The root cause is that they gambled with money they needed in the short term.

**Article 2: FOMO is the biggest killer; the more popular the place, the greater the risk.**

The most effective rule of thumb I've used is to see when the community security starts recommending.