When uncertainty returns, many people start to think about how to keep their wealth alive amidst turbulence. Actually, the answer to this question is not as complicated as it seems.

The easiest way to ruin oneself is leverage. You might see it as wings, believing it can accelerate the gap between rich and poor. In reality? It’s more like a sword hanging overhead. Truly wise people don’t need it at all. Those who are not wise enough will only die faster and more thoroughly if they use it.

Looking at every market crash in history, who is the first to be buried? It’s always those who borrow money to overextend their future, borrowing from everywhere. Leverage amplifies not only profits but also your greed and fear. An unexpected market fluctuation can uproot your dreams and your roots in an instant.

Compared to relying on leverage, what we should learn is to grow like a tree. Not by soaring in the wind, but by planting roots deep into the soil. Stable assets and a steady stream of cash flow—this is the real hard-core moat. When the wind blows, you bend; when the wind passes, you remain. And the entire spring belongs to you.

Markets have cycles. Winter will come, and spring will come too. Those who truly respect this cycle will neither be blinded by bubbles nor perish in the cold winter. So what’s the key? Be cautious when others are greedy, and stay calm when others are fearful. Use reasonable asset allocation and stable cash flow to hedge against volatility.

Life is not a 100-meter dash; it’s a marathon. Your goal is not to get rich instantly, but to run the full course safely, healthily, and sustainably. That’s the true winning mindset.