I recently came across a popular post discussing whether saving up 5 million can ensure a worry-free retirement. The comment section exploded.

Someone seriously calculated: at an annualized interest rate of 4%, 5 million can generate 16,000 yuan per month, which looks pretty good at first glance. But then someone said, "In ten years, this money might not be worth much anymore." There’s also a guy earning only 5,000 yuan a month, living at home to save on rent, and jokingly said, "2 million in interest can't compare to my savings and comfort"—that joke really hits home.

Honestly, relying solely on bank savings interest can't support the dream of "lying flat." Ten years ago, a bowl of beef noodles cost 5 yuan; now it starts at 15 yuan. Keeping money in the bank is like a slow depreciation. I've seen many relocated homeowners suddenly rich with a million overnight, only to blow it all in less than three years; I've also heard of programmers losing their jobs at 35, realizing that this little savings can't withstand a serious illness.

People who truly achieve financial freedom have long since diversified their strategies. Landlords in Shenzhen, for example, collect rent while doing cross-border e-commerce; there are retired professors using their pensions to invest in crypto assets. They understand that relying on a single asset is too fragile.

Inflation erodes interest, risks eat away at principal—that’s the dilemma ordinary people face. Instead of holding onto that dead money, it’s better to learn about multi-dimensional allocation. Bitcoin, by its nature, isn’t a get-rich-quick tool but an option for capital owners to hedge risks. The market is changing, and so should your thinking. Otherwise, how can a fixed deposit interest rate keep up with time?