Recently, I've seen people watching large on-chain transfers and hot/cold wallets on exchanges, shouting "Smart money is coming" whenever there's movement. I just hold back... Sometimes these signals are just moving, risk control, or bookkeeping; don’t let your emotions take over completely.

For ordinary people, I think there are only two things: mainnet as a "bank counter," and L2 as a "convenience store." Small transactions, clock-ins, minting, etc., are better on L2, with low gas fees and fast confirmations, providing a comfortable experience; if it's a large amount, long-term storage, or signing particularly sensitive things (like authorizing a bunch of stuff), I still prefer to do it on the mainnet, it's more expensive but more reassuring. When it comes to cross-chain, don’t be greedy for saving a few transaction fees; I always test small amounts on bridges first, see the confirmation time and how failures are handled, then decide whether to add more. That’s it for now—taking it slow is better than being clueless.