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Have you ever thought that the appreciation potential of today's smartphones is more attractive than going to college?
Think about it, a flagship phone with powerful performance, long battery life, and incredible camera capabilities can still hold its value quite well when resold. If you understand market trends and chase popular new models, the resale price difference can cover your initial investment. In contrast, spending four years and hundreds of thousands on tuition to graduate and then compete with thousands of others for the same job.
Of course, this is an extreme comparison and not meant to suggest abandoning degrees to speculate on phones. But it does reflect a phenomenon: the return on traditional education is decreasing, while the iteration speed and value retention of tech products are becoming more stable. Especially in certain emerging fields, skills and practical experience are worth much more than diplomas.
This also inspires us to rethink asset allocation—not just financial assets, but also the value comparison of human capital and tangible assets.