Having less principal is really not the problem; the problem lies in the investment logic stored in your mind.

My friend Xiao Li didn't have much money when he first entered the crypto world. Like all beginners, he was fixated on one thing: how to leverage small amounts of money for big returns. As a result, he focused entirely on those astonishingly cheap altcoins, hoping to hit a hundredfold coin someday and turn his life around overnight.

What was the reality? After more than half a year of chasing, he either got caught in deep traps or made a little profit only to be harvested, with his principal shrinking more and more. Later, he calmed down and reflected, realizing he had fallen into the common beginner trap: thinking that because his principal was small, Bitcoin was "too expensive" and unaffordable.

This made me think of the consumption habits of the wealthy. Why do people always buy only cheap goods and look down on expensive ones? In fact, conversely, truly wealthy people tend to choose only the most expensive items—because they understand that there is a reason why they are costly. When the real estate market fluctuates, properties in core locations remain resilient; a watch costing 500 yuan might not be wanted, but a Rolex can even be more valuable on the secondhand market than a new one.

Bitcoin is such a "hard asset" in the crypto world.

Many beginners get stuck in a dead end: thinking that since they don't have much money, buying Bitcoin isn't meaningful, and they'd rather gamble on altcoins. This is completely wrong.

The data is there. In the long run, Bitcoin's appreciation potential far surpasses most altcoins. Research shows that even if you buy Bitcoin at a relatively high point, as long as you hold on, the final returns are still considerable. A ten-year model from some researchers indicates that Bitcoin's long-term growth trajectory is the true engine of returns.

The less principal you have, the more you should choose "hard assets." Because you don't have the capital to afford mistakes, every penny must be spent in the most certain places.