Grandpa told Dad, “Be thrifty and run the household well. Don’t take on debt.” As a result, the neighbor Uncle just bought a house and now collects rent every day. Dad told his son, “If you want to get married, you need to buy a house—stay away from the stock market.” As a result, classmate Xiao Ming’s U.S. stocks rose tenfold, and his crypto rose a hundredfold. The son is already past forty and still has nothing to show for it—what should he say to his 20-year-old child? After turning around through 60 cycles, his own experience may be wrong, and Dad’s experience may also be wrong—so he should think more about Grandpa’s words.