Now the market is already in a bear market rhythm, and many people leave their U still, thinking about waiting for the market to show signs before buying coins slowly. The problem is that if you put U on the exchange or in your wallet, there is almost no interest, so everyone starts thinking about various stablecoins for financial management.

In fact, most people who have just entered the circle do not have the concept of configuration at all, and they can stud as much money as they have, and it is easy to impulsively leverage them. Leverage is indeed risky, but to be honest, some people rely on this to turn around. It's not about betting on the kind of leverage without positive expectations in the contract, but daring to bet in the spot cycle, this kind of person can really change his life once the bull market comes.
But to be honest, most people don't need to talk about so many configurations at all. Because the money is too little, it is meaningless to match it. Let me give you an example of 1 million, no matter how you divide it: 30/30/40, 80/20, 50/50...... You can't change the direction of your destiny. You only have one million, and the essence is to seize the opportunity to multiply several times once. This is why I have always felt that instead of pretending to be allocated, it is better to directly invest money other than living expenses into BTC and ETH, and wait for the cycle to increase by 3-4 times. Wait for another 3-4 times in the next cycle, that's called financial improvement.
Someone told me that I made hundreds of thousands or millions of money in this wave, sold at a high point, and planned to buy it back when the bear market fell back. If you can really buy it back, this operation is valuable; But if people spend the money when they get it, it is meaningless. People with little money in the currency circle sometimes have to gamble and save more coins with large cycle fluctuations. Unsuccess is the norm, but as long as the goal is to improve life, then the direction is right.
Let's talk about reality: if you have 5 million assets, take 3 million to manage your finances, and the annualized rate of 6% is 180,000; If you buy coins with 4.5 million yuan and the increase of 10% is 450,000, you will have more than two years of financial income before it starts to rise. You are actually slowing down your success by spreading the allocation for those 180,000. And stablecoins are not completely risk-free, unpegging, wealth management pool thunderstorms, wallet security issues, all of which may cost you a huge price. People with less money are most afraid of not being able to afford to lose, and as a result, for that "professional-looking configuration", they make themselves timid.
If it were me, I would rather spend 400–4.5 million to buy BTC and throw it into my cold wallet, at least I can sleep peacefully and have hope every day. You know how much you can reach in the next cycle, and the psychological benefits are much greater than the so-called stable financial management.
But when you have a lot of money, say 50 million, it's a different story entirely. You have 30 million financial management, 1.8 million a year, and the absolute value is large enough, so it makes sense. If you take 20 million in the currency circle and run the cycle, it will double to 40 million. Their fault tolerance rate is ridiculously large, and they do it right: the configuration is right, the stud is right, the short position is right, the leverage is right, and it doesn't matter if you even bet 1% on air coins. Because of "a lot of money", it can easily create a lifetime of income for ordinary people, and earning it is as simple as breathing.
So the core is: don't play yourself too "exquisitely" when you have little money, that is self-consumption; Only when you have more money can you be qualified to allocate and be qualified to talk about risk control, which is meaningful.