# 2025 The traps for Americans to make money, will you follow?

According to a survey by Charles Schwab, Americans believe that a net worth of $2.3 million is considered wealthy. But with skyrocketing housing prices, high interest rates, and technology changing everything, how can one quickly accumulate wealth?

**Traditional trap: Buy a house + Pension + High-yield savings**
- 36% of Americans are still relying on buying houses to get rich; experts suggest not to treat a house as the entire asset and keep it within 25-30% of net worth.
- 401(k) and IRA remain mainstream, and experts unanimously advocate the "lazy investment method"—regularly investing in index funds, stick to it and you will win.
- A high-yield savings account is worth considering only if the interest rate is above 3%; otherwise, don't waste interest.

**New Trend: AI and Crypto**
- 39% of men believe AI can help them get rich, while only 22% of women do.
- Cryptocurrency? Experts say this is not an investment, but gambling. Don't be brainwashed by FOMO and follow the crowd.

**Expert's one-sentence conclusion:** True wealth is built slowly through compound interest; no one wants to become rich slowly, so most people will never make money. Warren Buffett has long said - the power of consistency is the strongest.