一位 Reddit 用戶的深夜貼文讓人們重新思考自己的財務選擇

發文者在同一份工作上工作了十年，他分享了一個原始且讓人產生共鳴的自白：“我希望過去 10 年我都投資於 BTC，而不是 401(k)。”

A Reddit user's late-night post has people thinking twice about their financial choices.

一位 Reddit 用戶的深夜貼文讓人們重新思考自己的財務選擇。

The poster, who's been at the same job for a decade, shared a raw and relatable confession: "I wish I had spent the past 10 years investing in BTC instead of 401(k)."

發文者在同一份工作上工作了十年，他分享了一個原始且讓人產生共鳴的自白：“我希望過去 10 年我都投資於 BTC，而不是 401(k)。”

They went on to explain their situation. While their job pays well and comes with perks, it's physically taking a toll. Facing an uncertain future – possibly heading into short-term disability – they had a sobering realization:

他們接著解釋了自己的情況。雖然他們的工作報酬豐厚並且有福利，但這對身體造成了傷害。面對不確定的未來——可能會陷入短期殘疾——他們有了一個清醒的認知：

"I would be retiring this year if I had invested $1 for $1 into BTC vs. my 401(k)."

“如果我以 1 美元的價格投資 1 美元到 BTC，而不是 401(k)，我今年就會退休。”

For context, let's break down the math. In December 2014, Bitcoin was trading at just over $320. Fast-forward to today and Bitcoin's value has skyrocketed, hovering around $100,000. That's an increase of over 31,200%.

為了了解上下文，讓我們分解一下數學。 2014 年 12 月，比特幣交易價格略高於 320 美元。快進到今天，比特幣的價值已經飆升，徘徊在 10 萬美元左右。增幅超過 31,200%。

On the other hand, the average 401(k) grows at a steady rate of about 5-8% annually, which is solid but nowhere near the explosive gains of Bitcoin during the past decade. To make things even more tempting, $1,000 invested in Bitcoin in 2014 would now be worth over $312,000. A $10,000 investment would now be worth $3,125,000.

另一方面，401(k) 平均每年以約 5-8% 的穩定速度成長，雖然穩定，但遠不及過去十年比特幣的爆炸性成長。更誘人的是，2014 年投資於比特幣的 1,000 美元現在價值超過 31.2 萬美元。 10,000 美元的投資現在價值 3,125,000 美元。

One commenter on the Reddit thread put it perfectly: "This post in 10 years and Bitcoin is $10 million; everyone will be saying, ‘I wish I put more in when it was under 100k. History repeats.'" Another chimed in with a more conservative guess, saying, "Surely it's gonna be more like 1mil, not 10mil."

Reddit 貼文上的一位評論者完美地表達了這一點：「10 年後這篇文章，比特幣價值1000 萬美元；每個人都會說，『我希望在比特幣低於10 萬美元的時候投入更多。

Of course, hindsight is 20/20. Bitcoin's success story is impressive but it hasn't been a smooth ride. Its price has swung wildly, leaving many investors holding their breath during crashes.

當然，事後看來是20/20。比特幣的成功故事令人印象深刻，但過程並不順利。它的價格劇烈波動，讓許多投資者在崩盤時屏住呼吸。

One commenter in the Reddit thread dropped an important reminder: "Unless you had a few thousand Bitcoin, you'd have probably lost your hard drive, had your account stolen or lost it to investment sites like FTX. Or maybe you sold it at the peak of $2,000 or invested in a bad coin."

Reddit 貼文中的一位評論者提出了一個重要的提醒：「除非您有數千比特幣，否則您可能會丟失硬碟、帳戶被盜或遺失到 FTX 等投資網站。或者您可能在達到2,000 美元的高峰或投資劣幣。

Still, this Reddit post taps into a broader sentiment: the tension between traditional, "safe" investing and the allure of taking risks that might pay off in life-changing ways.

儘管如此，這篇 Reddit 貼文還是觸及了一種更廣泛的情緒：傳統的「安全」投資與承擔可能改變生活的風險的誘惑之間的緊張關係。

As the original post gained traction, it resonated with many people. Maybe it's because it's not just about money – it's about the dreams and regrets we all wrestle with when thinking about our futures.

隨著最初的帖子受到關注，它引起了很多人的共鳴。也許是因為這不只是金錢的問題，而是我們在思考未來時所面臨的夢想和遺憾。

While it's easy to get caught up in the "should have" and "I wish" mindset, what matters is what you do next.

雖然很容易陷入「應該」和「我希望」的心態，但重要的是你下一步要做什麼。

If this post hit a nerve, consider how you can make smarter financial moves now. Diversify your investments, start small and focus on consistency over time. Above all, only invest what you can afford to lose – whether in stocks, crypto or any other asset.

如果這篇文章觸動了你的神經，請考慮一下現在如何採取更明智的財務舉措。分散您的投資，從小規模做起，並專注於長期的一致性。最重要的是，只投資你能承受損失的部分——無論是股票、加密貨幣或任何其他資產。

Most importantly, before making major financial decisions, consult a financial advisor. They can help you balance your goals, risk tolerance and current resources to create a plan that works for you. After all, the best investment strategy isn't about chasing the past – it's about building a future you can feel confident in.

最重要的是，在做出重大財務決策之前，請諮詢財務顧問。他們可以幫助您平衡您的目標、風險承受能力和當前資源，以製定適合您的計劃。畢竟，最好的投資策略不是追尋過去，而是建立一個讓您充滿信心的未來。