For the year 2026 (Bing Wu Year), I will give some practical and down-to-earth advice. Please ignore those overly optimistic "bullish" big brothers.

For ordinary working-class friends, whether your monthly income is 10,000, 30,000, or even 50,000, the first priority is to protect your money. Avoid large expenditures, such as buying a house or switching to a car worth hundreds of thousands—these are liabilities that will drain your cash. Given the poor macroeconomic environment, it’s best to stay low-key and cautious. You may have sufficient cash flow now, but you never know what might happen tomorrow. A single policy change could cause your company’s business to collapse entirely. Also, don’t lend money out casually.

Second, maintain your health. Exercise, sleep early—your body is your only asset. Once you lose your health and fall ill, forget about enjoying life or even physical pleasures; all you’ll experience is pain, and you’ll have to spend money on medical treatment. As long as you stay healthy, you can earn money and have a chance to turn things around.

Third, know yourself and make good use of the resources around you to stabilize your situation. Earn what you can, bit by bit—don’t get carried away. Don’t quit your job impulsively to invest or start a business. Most people exhaust themselves and lose all their savings—this is the reality for 90% of entrepreneurs. The success stories you see are exceptions, not the norm, and they’re not replicable. Don’t imagine yourself as the protagonist of a wish-fulfillment novel. If you really want to invest or start a business, go get your fortune told first. Earning money isn’t easy.

Fourth, be kind to others and watch your words and actions. Society is full of hostility these days. Don’t flaunt your wealth or act superior—it only increases your risk. Young people do need to "flex" a little, but flexing is an art. It should be subtle, like "moistening things silently." Only those who can gain benefits at low cost are truly smart.

Fifth, keep learning. Expand your knowledge and skills—don’t waste time. Even if you can’t make money, at least gain some knowledge. Stay low-key, live well, and wait for the next upward cycle.