First, take out part of the quick money you’ve earned by riding the dividends of the times, lock it away, buy an insurance policy and keep it far out of reach—through forced isolation and compulsory segregation, removing all risks. No matter whether you’re Zou Shiming or “Wuwu,” no matter whether you invest in stocks or trade crypto, or whether your wife drags you into starting a business, you won’t end up killing yourself, you won’t get cheated out of everything; at the very least, you’ll still have insurance—offshore USD assets—as a backstop for life in the future.