2026-01-11 12:23:23

Friends earning less than 10,000 yuan a month, take my advice—don't casually talk about gold, stocks, or BTC.

The reality is, the most cost-effective "investment" right now is in your own daily life.

Skipping dinner? Saving 20 yuan a day adds up to 7,300 yuan a year. If you put this money in a fixed deposit at the current interest rate, you'd need to deposit over 700,000 yuan to earn that much interest annually. In other words, skipping dinner for a year has the same financial effect as depositing a principal of 700,000 yuan in the bank.

This is the power of incremental gains.

For low-income groups, cutting expenses often yields a return that outperforms any investment. Instead of obsessing over the ups and downs of the crypto market, it's better to first plug the leaks in your daily expenses. Managing every small amount well is the first step toward financial freedom.

BTC0,62%

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

20 Likes

Reward
20
7
Repost
Share

Comment

0/400

failed_dev_successful_ape

· 16h ago

Ha, you're saying that earning less than 10,000 yuan a month and still preaching about BTC... That's really ridiculous. --- Saving money without eating = saving 700,000? I truly can't believe this logic. --- The crypto world is shouting HODL every day, but maybe first you should figure out what your 20 yuan really is. --- Want to beat inflation with low income? First, plug the daily leaks. --- Wait a minute, if I calculate it this way, how much principal could I have accumulated from three years of free delivery... --- Honestly, I've seen too many people earning 9k a month dreaming of turning things around with crypto. It's hilarious. --- Cutting expenses beats investing? Is that right? The problem is, how many people can really hold back? --- Never thought that not eating could be considered an investment return. What a crazy idea... --- Instead of studying candlestick charts, why not first study your own spending list?

View OriginalReply0

BearMarketLightning

· 18h ago

The idea that not eating can make you rich, I really can't believe it. And now you're talking to me about cost-cutting and return rates? If I had known, I wouldn't have bothered with the crypto world. Wait, wait, is this logic reversed? Are there really people earning less than 10,000 yuan a month still researching BTC? This guy is right. Instead of researching different coins, it's better to just protect your wallet. If you really think not eating dinner is an investment, then this batch of retail investors is truly intense. Cutting costs for a lifetime of returns sounds a bit harsh, but honestly, it's better than blindly trading coins. What’s the point? Encouraging us poor folks to keep pinching pennies—that's the first step to financial freedom? The first half is fine, but that whole idealistic approach in the second part is too unrealistic. People earning less than 10,000 yuan a month still have the mindset of investing—that's the real root of the problem. It turns out the only way for ordinary people is to go hungry and save money. This way of thinking is a bit extreme.

View OriginalReply0

PhantomMiner

· 01-11 12:50

There's nothing wrong with what you said, but not eating is a brilliant move... If it were me, I'd get sick from hunger.

View OriginalReply0

OnlyUpOnly

· 01-11 12:50

Throttling is much more useful than just trading coins; this is true high yield. Every penny must be accounted for. --- Can you earn 700,000 without eating? It sounds exaggerated but the logic checks out; it's just too extreme. --- Those people in the crypto circle who HODL every day, might as well manage their wallets properly. --- That's right, most retail traders lose money trading coins, and saving money is actually the safest. --- I just want to know how many people still go all-in on BTC after hearing this. --- If you have low income, don't expect to get rich overnight. Build a solid foundation first. --- I agree with the idea of the power of incremental growth, but don't starve yourself either; that's going too far.

View OriginalReply0

GamefiEscapeArtist

· 01-11 12:36

Uh... Saving money by not eating equals saving 700,000? I really can't hold back my laughter at this logic. Are you joking, or do you really believe that cutting costs can turn things around? You should have taken the advice earlier; saving money is indeed much more reliable than gambling on coins. But honestly, earning less than 10,000 a month and still dreaming of financial freedom—aren't you a bit delusional? Cutting costs can only help you survive; to get rich quickly, you still need luck, brother.

View OriginalReply0

MoonlightGamer

· 01-11 12:36

Haha, alright, not eating equals a 700,000 fixed deposit. I really respect this logic. --- That's right, first close the loopholes, then talk about the crypto dream. --- Really, earning less than 10,000 a month and still watching K-lines is a bit ridiculous. --- The ROI of cutting costs is indeed maximized, no problem with that. --- I'm just asking, who can go a year without dinner? That’s the real challenge. --- Although the crypto world is tempting, this old guy’s point isn’t without reason. --- Laughing to death, open source is hard, but saving costs is even harder. Most people are stuck here. --- Instead of trading crypto, it’s better to keep good records, really. --- What’s 7300 a month? Only after laying a solid foundation is the way to go. --- Low income and investing? First, live a clear life before talking.

View OriginalReply0

MEVHunterWang

· 01-11 12:35

Well said, really. Too many people earning only 8,000 a month are still dreaming about tenfold coins or hundredfold air projects. They're just dreaming here. It's better to focus on your own wallet and not miss out.

View OriginalReply0