2026-01-12 02:23:51

I recently came across an interesting wealth survey data, and a few numbers are worth pondering.

Let's start with the most eye-opening findings:

The surveyed high-net-worth individuals with assets in the tens of millions took an average of 43 years to accumulate nearly 9 million RMB in net worth. Don’t be fooled by this number—it may seem substantial, but when broken down, it reveals how much patience is required. Most people take nearly 10 years to grow their assets from millions to tens of millions. Ten years, this is not a get-rich-quick story.

What truly defines middle class? The report provides a reference line—about 7 million RMB in disposable liquid assets. Many people think they are wealthy, but once compared to this standard, they realize the truth.

There’s also a detail that’s easy to overlook: 34% of high-net-worth individuals explicitly state they have allocated a significant portion of their assets to high-return alternative investments, including cryptocurrencies. What does this indicate? It shows that whether traditional wealthy or emerging asset holders, diversified asset allocation has become standard thinking.

Seeing these data, what I want to say is quite simple—don’t let extreme cases of “overnight wealth” distort your mindset. In the real wealth world, money is earned slowly over time. Time is the cheapest cost; rushing is the most emotionally costly. Play the long game, and you’ll be able to catch the big fish.

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ProofOfNothing

· 6h ago

Only 9 million at age 43, I'm exhausted. I still have to wait another ten years to reach the 10 million level. Is 7 million considered true middle class? Then I might be a poor person for the rest of my life, haha. 34% of the wealthy invest in crypto; this number isn't as high as I imagined. Fish for big catches with a long-term line; that's right, you can't wait without food in hand. Slowly accumulating wealth indeed lacks excitement, but it's much more reliable than going bankrupt overnight. This survey data feels a bit optimistic. How many people can really endure ten years now? Diversified allocation is standard, but you need capital first, and that's the biggest gap.

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WhaleShadow

· 6h ago

At 43 years old with only 9 million, where's the promised wealth explosion? This reality is a bit hard to accept. Ten years from hundreds of thousands to tens of millions? Why do I feel like everyone around me is just bragging about how quickly they’re getting rich? Turns out, it's all a lie. 700 million is considered middle class? Then I guess I need to keep working hard; the gap is pretty big. Rich people with 34% of their portfolio in crypto are quite smart. It seems that not putting all your eggs in one basket is the winning mindset. Honestly, you still need patience. You can't rush it. I was too impatient, which is why I lost money. Don’t talk to me about getting rich overnight. Just hearing these stats should make you wake up. The threshold for liquid assets of 700 million feels like it’s still a galaxy away from me. Diversified asset allocation has indeed become standard, and I agree with that. The crypto space can also be considered part of a diversified portfolio. At 43, I need to hurry up, or I really might run out of time.

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SnapshotBot

· 6h ago

Only 9 million at age 43, how much patience does that take... I went all in directly.

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DaoGovernanceOfficer

· 6h ago

ngl the 34% crypto allocation stat is empirically what i expected, but the time horizon is wild — 10 years to cross that gap? that's basically governance cycles on steroids lol

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0xOverleveraged

· 6h ago

Only 9 million at age 43, this data is quite sobering haha 10 years from hundreds of thousands to tens of millions... Looks like I still need to keep being a salted fish 34% allocation to crypto, big players are all stacking coins, which indicates a significant issue Is time the cheapest? Then all these years I’ve wasted for nothing Fish for big catches with a long-term strategy, but first you need to have a line, brother But still, you need to diversify more; putting all your bets on one is too risky

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WhaleInTraining

· 6h ago

At 43 years old with only 9 million, I was completely overwhelmed. It will take another 10 years to level up? Cryptocurrency accounts for 34%, which is significant, indicating that real money is indeed in multi-chain deployment. Wait, 7 million is considered middle class? Then I need to redefine myself, haha. Playing the long game is definitely important, but the premise is to choose the right track; otherwise, no matter how long, it’s futile. The data is really eye-opening; most people are still dreaming. There’s no such thing as overnight wealth; it’s all compound interest working silently. Seeing through this is the key to living clearly. Diversified allocation has long been in the works; how else could it compare? So, stable growth is truly more realistic than going all-in and gambling. From a million to ten million in ten years may seem long, but it’s not impossible. The question is whether you can stick with it. The most eye-opening part of this data is that even rich people didn’t take any shortcuts.

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