Don't think you have enough money now and can relax. In today's world of global debt monetization and rapid currency devaluation, the speed at which your wealth shrinks will exceed your imagination. Back in 1979, when China's reform and opening up had just begun, my family exchanged tens of thousands of US dollars in Hong Kong. In the late 1970s, the interest income alone was several thousand US dollars a year. At the time, we thought we could live comfortably in China for the rest of our lives. Back then, there weren't many people with tens of thousands of dollars in their workplace. A full professor's salary in a university was less than 200 yuan a month. Only couples who were both professors, artists, or high-ranking officials could save tens of thousands of dollars. The richest were artists. At that time, a famous Cantonese opera performer in Guangzhou earned 60 yuan for a single performance, which could earn several hundred yuan a month. Back then, this seemed like an astronomical figure, but now several hundred yuan a month isn't even enough for basic welfare. My family exchanged our money in Hong Kong, where the exchange rate was just over 1.5%. Back then, the Federal Reserve aggressively raised interest rates, and in the late 1970s, the interest rate on US dollar deposits in Hong Kong was over 10%. My family thought that with those tens of thousands of dollars and such high interest rates, we could live comfortably for the rest of our lives. In 1979, the annual interest income was several thousand US dollars, exceeding the lifetime earnings of most Chinese families. However, money became increasingly worthless and simply wasn't enough. If one had bought Berkshire Hathaway stock in 1979, it would be worth tens of millions of US dollars today. Therefore, financial management is crucial; merely preserving wealth will cause your fortune to decline significantly. Furthermore, many people never accumulate their first pot of gold for investment. There's a saying that the first million in life is earned through hard work, while many subsequent million-dollar sums are earned through investment. Therefore, the faster you earn your first million, the sooner you're halfway to success. However, too many young people only know how to consume, not save, living paycheck to paycheck, and never earning their first pot of gold. Therefore, there are two hurdles to wealth: earning your first pot of gold and knowing how to invest.