Everyone is walking their own "life K-line," making different choices.

Some choose to take civil service exams or become public officials, essentially heavily investing in "system stability," using their best youthful years to buy long-term bullish options on the national governance system. The returns are stable but slow, with extremely low risk.

Some choose to buy a house, which is actually building their own city development fund. Through thirty years of long-term leverage, they deeply hold the economic growth dividends of a certain sector. The returns and risks are both higher, betting everything on one position.

There are no absolute right or wrongs, only different investment strategies and risk preferences. The key is to recognize your own chips and time cycle, then place your bets.