I see many big players interacting on this 2,100,000 financial topic.
First, I won't comment on other people's plans; I'll share my views.
I've seen people around me lose everything in the crypto world and lose money in physical stores.
My plan doesn't require hoarding coins with all my funds, nor does it involve pouring all my money into stable financial products. I can earn some small money while observing the market, allowing me to live without pressure.
My allocation strategy is quite practical, with one principle: don't heavily bet on market trends. In the crypto world, only earn stable money and side income, keeping most of the money for flexible circulation.
Only invest 700,000 in the crypto world, not much more; this part is purely a 'small value-added fund'.
Half is placed in leading platforms for stable USDT investments, choosing those that guarantee principal with flexible and short-term options, avoiding flashy high-risk activities, with an annualized return of about 6%, steadily earning interest, and the principal is absolutely safe.
The remaining small portion is used for low-risk platform arbitrage and price difference arbitrage, which are light operations that don’t require market watching. When the platform has promotions, I can take advantage of them; when there are no promotions, I just let it sit steadily. After a year, this 700,000 can easily earn 50,000 to 60,000, becoming extra pocket money, without expecting to get rich quickly.
I keep 1,000,000 as flexible capital, not investing in any heavy assets.
I previously considered opening a convenience store or driving for a ride-hailing service, but then I thought it would be too much hassle and I would have to deal with others' moods, so I simply gave up on brick-and-mortar. Most of this 1,000,000 is kept in a bank for easy access, using a small portion for online side gigs, sharing practical insights from the crypto world and financial tips, gradually building an account without investing too much effort, earning whatever I can, just to pass the time and stay engaged with society.
Keep 400,000 as living and emergency funds, not touching it for investment.
For daily expenses, social interactions, or urgent family matters like medical issues, I rely on this money, without touching a single cent of the crypto principal or flexible reserve funds. With this capital preservation, I won't panic during investments and won't be forced to sell at a loss due to urgent cash needs.
To be honest, this plan doesn’t require watching the market every day or staying up all night, nor does it involve worrying about market fluctuations. I won’t be trapped in the crypto world, with earnings from crypto as subsidies and side earnings as pure pocket money, keeping flexible funds on hand, so no matter how the market changes, there’s always an exit strategy.
After a year, the crypto world can easily net a few tens of thousands, combined with some income from side gigs, allowing for a comfortable life in a small city, without taking risks or dealing with others' moods.