不敢投资的人，注定一辈子打工

Group 1 - The core argument is that individuals who do not invest are destined to work for others their entire lives, as relying solely on salary does not lead to financial freedom [1][5] - High salaries are insufficient for achieving wealth, as expenses such as mortgages, education, and elder care consume earnings, leaving little for savings or investment [1][3] - Savings in traditional accounts yield low interest rates (2%) while inflation rates (3%-5%) erode purchasing power, making saving a losing strategy over time [1][3] Group 2 - The real estate market has become unpredictable, with high entry barriers in first-tier cities and oversupply in second and third-tier cities, making property investment less reliable for wealth generation [3] - The investment market shows that those who invest in index funds have seen significantly higher returns compared to savings, with long-term holders achieving wealth doubling [3][5] - The narrative emphasizes that the fear of investment losses is less dangerous than the fear of not investing at all, which limits opportunities for financial growth [5] Group 3 - A recommended investment strategy includes diversifying funds: keeping some in banks for safety, investing in stable assets like real estate, and allocating a portion to long-term stock market investments, with a small amount for high-risk assets like cryptocurrencies [5]