I asked Grok today:

If you invest 2000 yuan into the Nasdaq every month, starting from age 20, using the money from your mortgage,
how much could you have after 30 years of regular investment?
Optimistically, it could reach 10 million RMB.
Each of us can become our own millionaire,
but many people can't bear the loneliness.
You are an ordinary person, so you should choose the simplest method.
This is the result ordinary people can achieve through systematic investing.
But 99.99% of people can't do it.
The so-called dollar-cost averaging (DCA) is a fixed amount invested regularly,
for example, buying 2000 yuan worth of assets on the 10th of every month without fail.
It sounds stupid, but it's the only wealth secret for ordinary people.
Because it avoids human nature's tendency to chase highs and sell lows,
and it also sidesteps the difficult timing problem that even experts often get wrong.
Ordinary investors tend to hold onto stocks when prices rise and hesitate to sell,
and sell at the top or buy at the bottom, ending up trapped at the peak or in a slump.
Dollar-cost averaging is passive and rational: when the market falls,
you can buy more shares with 2000 yuan,
and when the market rises, your shares appreciate.
The core of dollar-cost averaging isn't about what to invest in,
but about persistence and long-term commitment.
The Nasdaq has had an average annual return of over 10% in the past decades,
especially when combined with monthly reinvestment and fixed interest.
Accumulating a million-dollar asset in 30 years is not a problem.
Why do many people find it impossible to make money in the market?
Because these are counter-human operations.
You need to execute them like a robot.
Have you ever thought that I also use dollar-cost averaging to invest in Bitcoin for retirement?
Have you ever thought that I also use DEX trading the same way—ignoring the ups and downs?
Being able to ignore all the noise and stick to your plan,
whether there's a big drop or a big rise, and look at it over 30 years,
if you can do that, then you can get rich from any investment through systematic investing.
I am planning to start today, right now,
dollar-cost averaging into all the assets I like.
Of course, most of your assets should be kept for black swan dips.
A true leap to financial freedom is definitely a super black swan event.
Dollar-cost averaging can only be done with a small amount of money, and this should be separate from the money you use for black swan dips.
Of course, if you have no money, you should accumulate wealth.
No matter what, once you start earning,
set aside 2000 or 1000 yuan each month for future investments.
In 30 years, the market that might collapse is the seven sisters of the US stock market,
but the Nasdaq of the casino,
and the S&P 500, will definitely always be there.