对理财人来说震荡行情才是最舒服的，小资金的概念（几万 u 以内），不加太大杠杆对冲。最近除了放在交易所里摆烂的资金之外，小资金在 perpdex 互相对冲的部分展开说说，用 5000u 月化 20% 是不可能的，最多有个年化 20% 已经不错了 😅费率方面 @StandX_Official 的见 P1，而 @grvt_io 的见 P2，通常来说都是对 maker 比较友好持仓方面 StandX 出了个 SIP-2 也就是持仓收益，简单来说就是用开仓的仓位拿利息，见 P3 澳洲杰尼龟有介绍，在 Grvt 上收益相对比较小，资金放在 trading 账户就有利息，刷交易量可以提高利息比例，最高可以到 11%，额度最高只有 10 万，见 P4如此双边对冲可以叠加收益，比较香，但考虑资金放在链上的安全性有限确实不要放太多钱比较好Yuyue (@yuyue_chris):目前小资金在几个 perpdex 放着，年化在 10-18% 不等，不敢多放，控制敞口，大资金在 USD1 和交易所里躺着。考虑到目前币圈散户有生力量里最爱做的事就是躺平理财，WLFI 确实是给了我等躺平人士一个很好的摆烂去处了刚才 USD1 又上线了 ...

最近的稳定币理财也不稳定了，坚持一项原则，就是天下没有免费的午餐，所以反而有门槛的理财 / 利息没那么高 / 限额的情况稍微放心一些。利息是要靠业务模式来出的，本金的安全是要靠 “项目方后面还能继续靠维持业务赚钱” 来保障的而且也别埋汰 perpdex 赛道了，尽管 perpdex 的撸毛模式肯定是不那么稳健了，但看下 DefiLlama 显示的前 20 费用收入的协议，前列的除了 稳定币、meme、头部借贷协议之外，就是 perpdex。这个费用收入排名说明两件事：1. 现在圈内仅有的几个还能有长期运营驱动的只有这几类项目2. 现在圈内最活跃的玩家除了 meme 玩家，就是理财玩家最好的方案，是把本来在 cex 的交易量搬到 perpdex 上，这也是我一直以来的理念。与其把手续费交给 cex，不如获得点积分，亏钱还有机会回本，这也是我之前 Lighter 拿到空投比较多的原因，都是真实亏了钱的交易量也没法女巫 🤣另外不限额理财里，现在基本上只有 WLFI 的 USD1 还能无限续杯了。他们能续杯的核心原因还是 WLFI 盘子摆在那里，大总统背书能有的未来收入预期也比较高；限额的存款倒是还有不少可以存比如前 ...

行情烂到爆炸，我只剩理财了每周靠USD1 每周给发的几百刀 $WLFI 空投了年化差不多十个点，够我家的生活费了USD1也不用担心跑路啥的熊市安安心心理财了WLFI (@worldlibertyfi):ICYMI: Hold USD1 on @binance. Share WLFI. No cap. Airdrop every Friday.MORE: Use USD1 as collateral in Margin & Futures for a 1.2x multiplier.This is just the beginning. 🦅 ...

观察下来最近币安几个新币，低开在 100-200M（ESP）左右，高开在 500-700M（OPN）左右，ROBO 稳定在 300-500M 这个区间十分钟前新上的盘前项目 Katana 开盘开在 300M，挺尴尬的，不高也不低，感觉没有太大操作空间。有想参与的朋友们可以去币安钱包的理财活动冲一下，明天活动开始，分 0.5% 的代币不过年化是按 1B 估值计算的。目测最后利息大概率约等于 OKX 闪赚，正好这一期闪赚也快结束了，这行情能有个 10% 我也满足了，换个地方继续理财 ...

最近又在 BTC 上亏了 50k，只能说感觉这种反复震荡 + 阴跌的走势最容易让人亏钱了，管住手不要瞎开单了家人们。现在就是非常后悔为什么要赌春节行情！还好年前追高的 MiniMax 赚了点回血。目前在币圈圈内还是尽可能以理财为主吧WLFI 的理财活动续杯，这才是真的新年红包。群友算了算大概收益应该有 7% 左右吧目前在杠杆 / 合约账户持有 USD1 的活动延续到了 3 月 20 日，又多了一个月可以稳稳理财，要是美股大回调的话 BTC 再跌一波到多头投降我再入场了WLFI (@worldlibertyfi):THE MOMENTUM CONTINUES. ➡️ ☝️@Binance USD1 campaign is extended! 235M $WLFI to be distributed to USD1 holders from Feb 20 – Mar 20 (UTC).Thanks to everyone who joined Month 1. For Month 2, we’re stepping it up to ensure our early adopters are continuous ...

Core Viewpoint - The article discusses the financial struggles faced by individuals in the current economic climate, highlighting the risks of investment and the erosion of purchasing power due to inflation and market volatility [1][12][21]. Group 1: Market Volatility and Investment Risks - The recent sharp decline in gold and silver prices has led to significant losses for retail investors, who are often left vulnerable in a volatile market [1][5]. - Historical events, such as the 2018 P2P industry collapse and the 2015 stock market crash, illustrate the recurring nature of financial crises that disproportionately affect individual investors [3][5]. - The shift in financial policies, including the end of guaranteed returns on investments, has left many investors exposed to market fluctuations [11][12]. Group 2: Psychological and Behavioral Factors - Many individuals fall into a "trap of identity," becoming complacent with their financial status and making poor investment decisions based on perceived wealth [14][16]. - The desire for social status can lead to overspending and increased financial risk, further diminishing individuals' ability to withstand economic downturns [16][19]. Group 3: Inflation and Erosion of Wealth - The article emphasizes the impact of inflation on purchasing power, noting that stagnant interest rates on savings accounts fail to keep pace with rising living costs [21][22]. - The hidden nature of inflation acts as a "silent thief," gradually reducing the value of money over time, making it difficult for individuals to achieve financial growth [24][36]. Group 4: Investment Strategies and Financial Health - The article advocates for a diversified investment approach, suggesting that individuals should maintain a safety net of liquid funds while cautiously exploring other investment opportunities [31][34]. - Emphasis is placed on investing in personal skills and health as core assets that cannot be taken away, highlighting the importance of self-improvement over speculative financial ventures [36][41]. - The concept of "anti-fragility" is introduced, suggesting that building a resilient financial system is crucial for navigating uncertain economic conditions [46].

Group 1 - The core idea of the article emphasizes that a fulfilling life is built on four essential pillars: earning money, managing finances, managing desires, and managing emotions [5][18]. Group 2 Earning Money - Earning money is considered the most important aspect of life, and it should ideally align with personal interests to transform work into a path of self-fulfillment [7][8]. - Diversifying income sources is crucial; having a side job can provide a safety net and opportunities for growth when primary income sources decline [8]. Managing Finances - Financial management is not just about investing but primarily about saving, especially during years of increased income [10][11]. - The first goal of financial management is to save money, as income distribution is often uneven throughout a person's life [10]. - Wealth preservation and growth come second, requiring a foundation of savings before considering investments [11]. Managing Desires - Managing desires is essential for happiness, as unchecked desires can lead to dissatisfaction [12][13]. - Distinguishing between needs and wants is critical; true happiness comes from balancing desires with one's financial capabilities [13][14]. Managing Emotions - Emotional management is vital for maintaining happiness, as it helps individuals recover from negative experiences [15][16]. - Key steps in emotional management include awareness, acceptance, and transformation of negative emotions into positive actions [17].

Core Viewpoint - The book "The Financial Course to Happiness" by Xiao Gang has been recognized as one of the top ten most popular financial books for 2025, following a competitive selection process involving expert reviews [1][3]. Group 1: Book Overview - "The Financial Course to Happiness" is authored by Xiao Gang and published by CITIC Publishing Group [2][4]. - The book addresses the lack of financial education in most people's upbringing, particularly highlighting the challenges faced by young individuals with limited capital [2][4]. - It aims to correct misconceptions and irrational financial behaviors such as "no money, no management," "addictive saving," and "high-risk investing" [2][4]. Group 2: Content Focus - The book is structured around five key dimensions: understanding wealth, utilizing wealth, wealth appreciation, wealth management, and risk management [2][4]. - It provides insights into establishing a positive wealth mindset and practical methods for accumulating and managing wealth [2][4].

Core Viewpoint - The article highlights the financial risks faced by individuals who have savings between 200,000 to 500,000, emphasizing that reaching this savings milestone can lead to a false sense of security and subsequent financial mismanagement [1][3][28] Group 1: Financial Behavior Changes - Many individuals experience significant asset depreciation within three years after reaching the 200,000 to 500,000 savings mark, often due to cognitive biases and impulsive decisions [3][19] - Upon reaching this savings threshold, individuals often relax their financial discipline, leading to poor investment choices and increased vulnerability to financial traps [5][7] - The transition from saving to spending or investing can lead to a dangerous mindset where individuals view their savings as disposable income rather than a safety net [19][28] Group 2: Investment Risks - Individuals often lack the necessary financial knowledge and may impulsively invest their savings in high-risk ventures, such as stocks or entrepreneurial endeavors, without proper research [15][17] - The article cites examples of individuals who have lost significant portions of their savings due to poor investment decisions, highlighting the risks of treating savings as investment capital [11][17] - The current market conditions, characterized by economic downturns, make it particularly challenging for inexperienced investors to succeed, leading to potential financial ruin [13][19] Group 3: Social Pressures and Lifestyle Inflation - Social pressures can lead individuals to lend money to friends and family, resulting in strained relationships and financial losses [21] - The desire to upgrade lifestyle, such as purchasing luxury items or larger homes, can lead to unsustainable debt levels, transforming savings into liabilities [24][26] - The article warns that lifestyle inflation, driven by newfound wealth, can significantly increase living costs and financial stress, especially if income does not keep pace [26][28]

为什么机会还是会出现在链上？因为流动性太差了。只要上限不断降低，链上就总还有人玩，这也是为什么现在只有 meme 能玩了的原因。除了玩 meme 之外，就是理财目前除了 OKX 的 USDG 比较香之外，就是前两天的 WLFI 活动了。今天 WLFI 的 USD1 奖励发了，看了下各路博主测算下来的年化在 10-15% 左右，溢价买的 USD1 也不亏财富效应和理财的上限都在逐渐降低，蛰伏并等待一个好的时机再出手吧Yuyue (@yuyue_chris):整体上我认为目前链上的流动性并不好，但是大机会还是会出现在链上。跟 @lanaaielsa 交流了一下，他有个观点我很认同，那就是目前 base 的热钱明显比其他地方多这一点我觉得除了这两天 AI 龙虾火热之外，可能还和 base https://t.co/OzOCslMfjK ...