How can ordinary people have the chance to own assets worth tens of millions?

Let me share a fact that many are reluctant to admit:
The vast majority of ordinary people, relying on salary, effort, and diligence, will find it difficult to cross the threshold of ten million in assets in their lifetime.
But if you look back at those who have truly achieved a social leap, you'll notice they share a highly consistent trait—
They are not necessarily working harder, but they are better at “leveraging the situation.”
The era is a trend,
The city is a trend,
The industry is a trend,
The platform is a trend,
And cycles are the greatest trend of all.
1. There is actually only one true path
For ordinary people aiming for asset growth, the path isn’t complicated, and can be abstracted into four steps:
Step one: Wait for a crisis
Step two: Leverage during the crisis to buy core assets
Step three: De-leverage and realize profits during recovery and prosperity
Step four: Repeat this process
It sounds simple, but the challenges are:
Are you willing to wait?
Can you understand what’s happening?
Can you withstand the pressure?
2. Why must you wait for a “crisis”?
Because crises are not accidental—they are inevitable.
In a credit currency system, the economy is like the human body:
Overeating (debt expansion) will inevitably cause indigestion (crisis).
Financial crises are fundamentally debt crises.
In an economy where:
Debt levels continue to expand,
Cash flow and profitability cannot cover interest,
Large-scale defaults begin to occur,
Asset prices will fall,
Stock markets, real estate, and corporate balance sheets shrink simultaneously,
Credit tightens, demand drops,
And a typical “credit-asset price” spiral downward occurs.
The 2008 US subprime mortgage crisis is the most textbook example.
3. Two types of financial crises determine different outcomes
Type one: Primarily driven by domestic factors
Characteristics:
Rapid domestic debt accumulation,
Profitability cannot keep pace,
Intrinsic collapse of the credit system.
This type of crisis will inevitably force monetary easing,
It’s just a matter of time.
Type two: Caused by both internal and external factors
When:
Serious domestic asset bubbles,
Sudden tightening of credit,
Short-term interest rate spikes,
Leverage hits the ceiling, triggering sell-offs,
And combined with financial liberalization, foreign capital withdrawals, and short-selling, the crisis can escalate rapidly.
The outcome depends on two factors:
Is the population structure still young?
Is urbanization still expanding?
Southeast Asia’s crisis after 1997 was recoverable,
Japan, however, fell into a long-term balance sheet recession.
Thanks to capital controls, China’s extreme scenarios are greatly mitigated,
But the cycle still exists.
4. How can ordinary people proactively position themselves?
1️⃣ External monitoring: Keep a close eye on the Federal Reserve
A recurring pattern in history is:
When the Fed raises interest rates to a high level and maintains them,
Some highly indebted region in the world will inevitably face problems.
At this point:
Global demand declines,
Asset prices come under pressure,
Risk assets generally fall,
Smart ordinary people don’t bet on the market during this stage,
But instead:
Maintain stable cash flow,
Clear high-valued assets,
Accumulate cash.
If you are sufficiently sensitive,
You should start gradually retreating during the Fed’s most aggressive rate hikes.
2️⃣ Wait for confirmation: Look for signals of “liquidity easing”
After a crisis, the key is not to buy the dip,
But to wait for policy shifts.
In a credit currency system, countries’ responses to crises are almost always:
Print money, loosen liquidity, cut rates, expand balance sheets.
Since the collapse of Bretton Woods in 1971,
the world entered an era of debt-driven growth.
The logic is very clear:
Crisis → Liquidity easing → Asset prices rise.
This is not faith; it’s structure.
5. Why must you buy “core assets”?
Because long-term money supply will inevitably be excessive, and wealth inequality will worsen.
During crises, almost all assets decline,
But for entirely different reasons:
Some are high-quality assets unfairly punished,
Some are simply bubbles bursting.
The key difference:
Who will buy your assets in the future?
Remember a very harsh but very true phrase:
Asset prices are ultimately determined by “future buyers.”
If future buyers are the wealthy,
Prices will definitely rise.
And against the backdrop of long-term monetary oversupply and the Matthew effect intensifying,
The purchasing power of the rich will only grow stronger.
6. The core strategy for ordinary people is actually just one sentence
During a crisis, use your cognition and courage to buy undervalued core assets;
During prosperity, use rationality and discipline to sell to the wealthier.
Then:
De-leverage,
Realize profits,
Retain some assets,
Return to daily life and work,
Wait for the next cycle.
7. Conclusion: This is a slow path, but the real one
To be honest, this path:
Is not exciting,
Not lively,
Not suitable for most people,
Because it demands you to:
Stay calm during the most panicked moments,
Exercise restraint during the craziest times,
Remain steadfast during long waits.
But based on history and reality,
It’s the highest-probability route for ordinary people to reach millions in assets.
Not to get rich overnight,
But to align with cycles again and again,
Transforming the “trend” of the times into your own assets.
Slow, but deadly.