Among the various YouTube channels I subscribe to, I found someone who invests using a strategy similar to mine. They invest in multiple coin projects, and once they achieve their target return rate, they realize some profits and then reinvest those funds into safer assets among their existing coin holdings. While everyone has their own preferred investment style, the method of building up multiple investment assets with compound interest over the long term is the safest and most enjoyable. Rather than having a sudden surge in an investment make other things seem trivial, or a crash cause distress, it’s about enjoying the happiness of gradually picking and eating the fruits, then using them as fertilizer to nurture other plants, ultimately cultivating your own ever-flowing garden.

Relying solely on a single salary is like planting just one apple tree and waiting for apples to fall. What if the tree unexpectedly gets sick or dies, leaving you with no fruit? That would be a disaster, right? Just as planting vegetables, sweet potatoes, and rice provides a diverse harvest for better health and security, diversifying investments creates multiple income streams through various channels. Even if you own a “smart” piece of real estate, property has a critical flaw: when the economy slows, transactions become difficult. Furthermore, if you take on too much bank debt relative to your income, rising interest rates increase your loan repayment burden, making life feel heavier. Just like the title of singer Stella Jang’s song, “My salary just skims past my bank account,” daily life is always tight, making it hard to enjoy any leisure. And to recover from a single failed real estate investment, you have to wait for the next 10-year cycle, feeling a sense of relative deprivation during that time and inevitably becoming more passive about investing. Stock investments also move based on quarterly earnings reports, meaning it inevitably takes a long time to recover from investment failures. Furthermore, due to the inherent gap and time lag between a company’s internal information and its disclosed information, stock prices can be influenced by reliance on stock analysts’ reports or rumors from private information sources, often called “chill-ja” (flyers). Damage caused by stock manipulation schemes or manipulative groups is frequently encountered in the news or among acquaintances.

However, cryptocurrency, as a digital asset, is traded on exchanges 24/7. Its value is determined by the law of supply and demand based on the performance of the underlying blockchain project and expectations surrounding it, not on quarterly earnings reports based on accounting standards. While the variety of coins—from the currently most debated security tokens to payment coins, utility coins, platform coins, and stablecoins—may seem complex, understanding them is straightforward if you know how to download an online shopping app on your smartphone, purchase items, make payments, and accumulate points. While most coins still lack robust legal protections for investors or a clear tax framework, they are gradually being adopted by governments and financial institutions, establishing themselves as part of the economy. The value of coins based on blockchain projects will only grow as long as the world’s computers and networks remain intact. Considering that Facebook or Amazon’s assets are essentially customer data stored in data centers, this makes perfect sense. If you question whether a project that doesn’t generate profits has value, consider Coupang: perpetually in the red, yet it went public on the US stock market. We must accept this new economy that defies traditional economic logic.

According to the book “Axis Shift 2030,” the silver generation will hold 50% of the world’s wealth in ten years.

This isn’t about grandparents; it’s about those in their 50s a decade from now. Watching my parents’ generation, I see people who unknowingly slipped into poverty in old age, regretting whether they should have bought or sold their apartments back then. Sadly, my own parents, financially illiterate, avoided money their whole lives and now struggle to live free from its grip. Thankfully, they’ve realized this late in life and have gradually become independent over the past year through a parcel delivery business. Seeing them slowly gain financial awareness and find vitality and freedom through economic activity, I’m investing on their behalf so they can repay their loans in a few years and move into a house through their own efforts. That’s why, even today, I collect and sell scrap paper at dawn and handle parcel collection and delivery by truck in the evening to secure cash for investing.