To turn things around in the "Red Horse and Red Sheep Disaster" years of 2026–2027, just do these three things

The most practical wealth accumulation formula for ordinary people:

1. Practice strict frugality and save the first pot of gold (especially the first $100,000)

Spend less than you earn, live simply, avoid debt and consumption traps.

2. Lifelong learning, improve skills, and seize a few opportunities

Learn a little more every day, build a "capability circle," so opportunities will naturally come to you.

Munger said: "Grasping a few good opportunities in a lifetime is enough." Don’t rush to act; wait for truly good opportunities to make heavy investments.

3. Be patient and hold, use compound interest and time to wait

Find good assets, position in the bear market $btc , avoid frequent trading. Avoid leverage, gambling, and hot trends.

"Big money is not made through buying and selling, but through waiting."