During the process of world reset, here are five practical suggestions for ordinary people: 1. Reduce debt to a minimum, especially mortgage and business loans; 2. Keep enough cash for 3-5 years of living expenses (cash is king only during deflationary periods); 3. Learn a skill that AI cannot temporarily replace and will always be in demand (energy, healthcare, offline maintenance, community organization); 4. Convert some assets into portable, cross-border, and hidden hard currency; 5. Most importantly: establish a trust network in a small circle in the real world, as what will be most valuable in the future is not money, but "who is willing to live with you."