5 million yen with 16,000 yen monthly interest? That's hilarious. What will we be able to buy in ten years?
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Stories of demolition compensation recipients squandering their money in three years—I'm curious about the details
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Inflation makes regular deposit savings sound like a joke
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Without assets or passive income, what's there to talk about regarding lying flat—that's just daydreaming
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People still believe bank interest can fund retirement? Wake up, everyone
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Multi-dimensional asset allocation—everyone knows about it, but the real issue is not having money
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Crypto assets for hedging risk? Sounds impressive, but you really do need to diversify
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That part about unemployment at 35 hit hard. Savings can't withstand unexpected changes
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Rental income, cross-border e-commerce, crypto assets—now that's what real freedom looks like
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A bowl of noodles went from 5 yen to 15 yen, but my salary? How come it hasn't increased that fast
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WenMoon42
· 01-10 05:50
5 million with 16,000 monthly interest? LOL, the 16,000 from ten years ago and the 16,000 now are completely different concepts. No one can relax in the face of inflation.
最近刷到個熱貼，討論攒够500万是不是就能安心退休。評論區直接炸了。
有人認真算過賬：按年化4%的利率，500万每月能拿1.6万，粗看不錯。可轉頭就有人說"十年後，這錢可能就不值錢了"。還有哥們月薪才5000，住家裡省房租，反而調侃"2万利息哪如我省錢舒坦"——這段子聽著挺扎心。
說實話，單純靠銀行存款利息根本撐不起"躺平"夢。十年前一碗牛肉麵5塊錢，現在15塊起步，錢放銀行裡就像慢性貶值。見過不少拆遷戶一夜暴富百万，結果三年不到就敗光；也聽說過碼農到了35歲失業，才明白這點積蓄根本抗不了一場大病。
真正實現財務自由的人早就玩出花樣了。深圳那邊的房東，一邊收房租一邊做跨境電商；還有退休教授拿養老金去布局加密資產。他們早就懂了，單一資產太脆弱。
通脹吃掉利息，風險吃掉本金——這才是普通人的困局。與其守著那點死錢，還不如學學多維度配置。比特幣這東西的本質，也不是什麼暴富工具，而是給有資本的人一個對沖風險的選項。市場在變，思路也得跟著轉。要不然，光靠定期存款那點利息，怎麼跑得過時間？