The ultimate answer for ordinary people to wealth management is only one: keep buying regularly.

Not timing the market. Not bottom fishing. Not stock picking.
Just foolishly, periodically, buying index funds. Like paying rent.
Why?
1/ "Buying on dips" is an illusion. Historical data has slapped your face—over 70% of 40-year cycles, even with perfect hindsight and perfect timing, can’t beat a simple dollar-cost averaging strategy.
Waiting for a crash, while compound interest is mocking you.
2/ Stock picking is self-torture. 75% of professional fund managers can’t beat the market in 5 years. Why do you think you’re in the 25%?
And you can never tell if your success is due to skill or luck—this uncertainty is the biggest emotional cost.
3/ When your principal is only a few thousand dollars, spending hundreds of hours watching the market is putting the cart before the horse.
The most reliable path to wealth for ordinary people: increase income → buy income-generating assets → let your money work for you.
Your energy should be spent on earning more principal, not studying candlestick charts.
4/ Not investing cash = slow suicide.
Inflation won’t be polite—you’re losing purchasing power every year.
Consistently buying assets is the only reliable shield against inflation.
5/ Now is the best time in history to implement this strategy.
Zero commissions, fractional shares, global diversification—so accessible there’s no excuse.
Stop guessing. Stop waiting.
Treat dollar-cost averaging as a monthly bill you must pay.
Buy when the time comes.
Don’t watch the ups and downs.
Don’t ask about bull or bear markets.
Looking back after thirty years, you’ll realize:
The dumbest method beat the smartest people.