Currently, individual private assets have entered a phase of stock preservation, with the growth of capital inflows essentially stagnating, and personal financial income and expenditure ratios out of balance. The overall asset activity level continues to decline, and the flexible disposable funds are approaching saturation and a low point. All entertainment, improvement, and experiential consumption have been put on hold. The current core development strategy is: prioritize saving, delay income generation. Passively practice a low-material-desire lifestyle, temporarily distancing from various refined consumptions. Focus on accumulating strength and quietly wait for the asset market to bottom out and rebound.