Why does everyone feel that it's getting harder to make money? Because the degree of wealth concentration far exceeds our imagination, and it will become even more concentrated in the future, with opportunities for ordinary people continuing to decrease. If you want to make money, you must firmly remember these 12 points: First, an ordinary person's life should focus on just one thing, which is crypto assets or Bitcoin. Second, delve deeply into a niche field and become an expert in that industry. Regardless of the size of the industry, being at the top can yield high returns. Scarce professional skills will always have market demand, and clients will generously pay for expertise and services, and any niche market has huge potential. Third, learn to harness the power of compound interest and start saving and investing early, even if the initial amount is small. Through long-term compounding, assets can achieve remarkable growth. Invest a portion of your monthly income into stable financial products and let time work for your wealth. Fourth, always keep a reserve of risk funds, converting at least 30% of your assets into cash or highly liquid products. When the market crashes, those who hold cash can buy the dip and seize opportunities, while those fully invested can only be played people for suckers. Liquidity is the lifeblood. Fifth, invest in reverse; when everyone is panicking and dumping, you must have the courage to buy quality assets, and when the public is frantically chasing the price, you should decisively exit. Emotion is the enemy of retail investors but a cash machine for experts. Sixth, establish post-tax income streams, such as rent, royalties, and dividends. Automated businesses and passive income are the keys to financial freedom. Active income exchanges for money, while passive income exchanges for time; time is the ultimate currency. Seventh, only collaborate with those who are willing to pay. Free consultations and favors will only drain you. Truly valuable relationships must be built on mutual benefit; the more willingly clients pay, the longer the collaboration lasts. Free often turns out to be the most expensive; you just haven't seen its cost yet. Eighth, regularly declutter; dispose of ineffective assets, stocks that are tied up, and losses that are sunk costs. Cut loss when necessary; holding on stubbornly will only increase your burden. Timely stop loss is an art; daring to lose can lead to winning. Ninth, think like a boss even when you’re working for a fixed salary. Treat yourself as the company's operator; improving skills is like developing a product, and building networks is like expanding clientele. Your value is determined by the market, not by your boss's charity. The only purpose of working is to learn skills; when the time comes, exit quickly. Don't think of working for life; for the vast majority, being unemployed at 35 is inevitable, and bosses won't show mercy during layoffs. Tenth, information disparity equals money. Policy benefits, industry insider information, and technological breakthroughs—obtaining key information and acting on it at the first opportunity can leave most people behind. Information warfare has no smoke but is crueler than real weapons. Eleventh, leverage must be used correctly. Local housing loans are the best leverage most ordinary people can access, but don’t use consumer loans for gambling. Companies use debt to expand production, while individuals use credit to consolidate resources. Leverage is a double-edged sword; used correctly, it amplifies; used incorrectly, it leads to ruin. Twelfth, health is the ultimate compound interest. Money earned from late-night socializing will ultimately go to the hospital. Money earned at the expense of health cannot buy back youth, and no matter how high the curve of wealth growth, it cannot compete with high blood pressure and other health issues.