As a female analyst who has been rolling around in the industry for many years, I have heard too many stories of people leaving the field sadly because they 'spent money incorrectly,' and I have seen more winners who have a steady income because they 'spent money correctly.' Today, I want to talk to you about what I believe is the most important yet easily overlooked first lesson in investing in cryptocurrency: What kind of money are you actually investing?
First, take care of your 'money bag'.
Do you remember when I just started in the industry, my mentor threw me a sentence that I still find useful today: 'Whether investment succeeds or fails, 80% is decided before entering the market; the deciding factors are the thickness of your wallet and the hardness of your mindset.'
What does this mean? It means that the type of money you use to invest directly determines how long you can play in the market and whether you leave with a smile or in tears.
I particularly agree with the insight you've gained: if the 'money' used to buy cryptocurrencies is wrong, it doesn't matter how much you earn afterwards. This is truly a painful lesson. Throwing 'urgent money' or 'survival money' for next month's rent and living expenses into the volatile crypto market is akin to walking a tightrope at a great height. A market downturn can cause your mindset to collapse, making it easy to make foolish decisions like cutting losses at the bottom. The truly smart approach is, like you later did, to only use 'spare money' that won't affect your normal life, even if you temporarily lose it all after deducting all necessary expenses each month.
This money is your ticket to financial freedom, not the last straw that breaks the camel's back.
Small funds can also dance: the 'dual-wheel drive' strategy.
Many people think that with just over a thousand yuan, they can't make any waves in the crypto world. This idea is completely wrong. The core goal of small funds is not to get rich overnight, but to accumulate experience, establish a stable profit model, and mindset.
When you have developed a stable 'market sense' with a small amount of money, only then can you seize big opportunities when your funds are ample.
I fully agree with the 'regular investment + lightly investing in hot spots' strategy you mentioned; this is simply a textbook approach for stable growth with small funds.
Regularly invest in mainstream coins (your 'ballast stone'): allocate most of your funds (like the 800 yuan you mentioned) to regularly invest in mainstream coins like BTC and ETH that have been tested countless times.
This method may seem clumsy, but it can dilute your costs amidst market fluctuations. You can make money in a bull market and accumulate coins in a bear market, keeping your mindset particularly stable. This is using time to exchange for space, betting on the long-term future of blockchain technology.
Lightly test the hot spots (your 'surfboard'): the remaining small amount of funds (for example, 200 yuan) can be used to track market hot spots. But the key is to set strict rules for profit-taking and stop-loss.
Making just enough for bubble tea makes me happy to pocket it, and losses are still within an acceptable range. This 200 yuan is not a ticket to wealth, but a 'pass' that keeps you sharp about the market, preventing you from losing interest in dull regular investments.
What is brilliant about this strategy? It forms a perfect risk hedge. If the hot spots lose, the mainstream coins with regular investments provide a safety net, not affecting the overall situation; if the hot spots gain, it can bring excess returns and continuous freshness.
Two 'money pits' to resolutely avoid.
From my observation, beginners (especially those with small funds) are most likely to stumble in two areas:
It always feels like 'you can't earn with little money,' just waiting: the market doesn't wait for anyone. Just like the ETH rise you missed, the opportunity cost is the biggest cost. The advantage of small funds lies in flexibility; a small boat can turn easily. Learning in real combat with small amounts of money, the 'tuition' paid is much cheaper than the tuition paid with large sums in the future.
Getting excited over making a little money and blindly adding 'urgent money': this is the most dangerous. Profits can cloud your judgment, leading you to mistakenly believe that you are exceptionally skilled, thereby ignoring market risks. Once you add in money that shouldn't be invested, your mindset immediately distorts, and your operations will go awry.
True stability is to take a portion of the profits as a reward after making money, rather than risking all your assets again.
My heartfelt words.
Sister, in this market, I've seen too many geniuses fall, but I've seen even more 'fools' succeed. Their secret is nothing more than having a clear and almost ruthless understanding of the source and nature of their invested funds.
Remember, every penny you invest in the market should be something you can afford to lose calmly. This is not pessimism, but rather the strongest armor that allows you to survive in this brutal market. When you use the right money, you'll find that your mindset becomes calm, your judgments become accurate, and it's easier to seize the opportunities that should belong to you.
I hope my sharing can bring you some inspiration. Feel free to chat about your investment insights and confusions in the comments. Follow Ake to learn more firsthand information and precise points in the crypto world, becoming your navigation in the crypto space; learning is your greatest wealth!
