2026-01-18 11:20:20

Having $1M sitting in your account? That's often the ceiling for people who've never really learned how money works. They think a million is 'rich'—end game, done. But anyone who's actually studied finance, markets, or wealth building knows better. A million today barely covers basic security. It's not about the number itself; it's about understanding what that number can actually do. Real wealth isn't measured by your bank account balance. It's measured by cash flow, asset allocation, and how well you've optimized your financial structure. The gap between someone with $1M and someone with real wealth knowledge? Sometimes it's not even close. One has money. The other has systems.

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DefiPlaybook

· 3h ago

According to data, most individuals holding assets worth millions are actually trapped in a "wealth illusion"—based on Vanguard's 2023 report, approximately 78% of millionaires cannot accurately assess their true cash flow generation capability. This directly validates the core point of the article: balance ≠ wealth. It is worth noting that the true wealth structure should be analyzed from three dimensions: first, cash flow optimization (annual APY coverage); second, risk adjustment coefficient of asset allocation; third, yield cycle design at the smart contract layer. As a risk warning, simply stacking fiat currency balances while neglecting TVL and liquidity allocation results in an actual purchasing power decline of about 3.2% per year during high inflation cycles.

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