面對現實吧 - 2024年是一個奇怪的一年

尤其是一種趨勢，一遍又一遍地成為頭條新聞：與名人，病毒時刻和互聯網炒作相關的模因硬幣的上升（和不可避免的跌倒）。

Let’s face it—2024 was a weird year. Between trying to figure out whether TikTok’s algorithm is controlling our every move, dealing with the never-ending student loan drama, and watching as new crypto scams pop up like clockwork, it feels like the universe is just shaking its head at us.

讓我們面對現實吧 - 2024年是一個奇怪的一年。在試圖弄清Tiktok的算法是否正在控制我們的一舉一動，處理永無止境的學生貸款戲劇，以及看著新的加密騙局像發條一樣彈出時，感覺就像宇宙只是在向我們搖頭。

One trend, in particular, has made headlines over and over again: the rise (and inevitable fall) of meme coins tied to celebrities, viral moments, and internet hype. From Hailey Welch’s crypto drama to the meteoric rise and fall of TRUMP and MELANIA meme coins, it’s become painfully clear that the lack of financial education is costing people—big time.

尤其是一種趨勢，一遍又一遍地成為頭條新聞：與名人，病毒時刻和互聯網炒作相關的模因硬幣的上升（和不可避免的跌倒）。從海莉·韋爾奇（Hailey Welch）的加密戲劇到特朗普和梅拉尼亞模因硬幣的迅速崛起和下降，很明顯，缺乏金融教育正在損害人們的損失 - 時間。

The problem: Hype-driven crypto and financial illiteracy

問題：炒作驅動的加密和財務文盲

Let’s zoom out for a second. These meme coins, while entertaining to watch, are part of a much larger pattern. Young adults today—often fueled by social media and FOMO—are diving into crypto with little to no understanding of the risks involved. One minute, they’re posting about their latest “picks,” and the next, they’re watching their investments evaporate faster than a trending TikTok sound.

讓我們放大一秒鐘。這些模因硬幣雖然娛樂觀看，但卻是更大模式的一部分。如今，年輕人（通常是在社交媒體和FOMO的推動下）潛入加密貨幣，幾乎不了解所涉及的風險。一分鐘，他們發表了有關最新的“挑選”的信息，而接下來，他們正在看他們的投資蒸發速度比趨向的Tiktok聲音更快。

Take the TRUMP meme coin, for example. It skyrocketed to a staggering $14 billion market cap within 48 hours of its launch, raking in $50 million in trading fees on its first day alone. But like many hype-driven investments, the crash came just as quickly. The coin plummeted over 50%, wiping out billions in market value.

以特朗普的模因硬幣為例。它在推出後的48小時內飆升至一個驚人的140億美元市值，僅第一天就賺了5000萬美元的交易費用。但是，就像許多炒作驅動的投資一樣，墜機事故也很快出現。硬幣暴跌了50％以上，消除了數十億美元的市場價值。

The MELANIA meme coin suffered an even harsher fate. After reaching a peak of $13.05, it lost 80% of its value, leaving latecomers with massive losses.

梅拉尼亞模因硬幣遭受了更苛刻的命運。在達到13.05美元的峰值之後，它損失了其價值的80％，而後來者卻遭受了巨大的損失。

And then there’s Dogecoin (DOGE)—the OG of meme coins. While it started as a joke, it gained real traction thanks to celebrity endorsements and viral hype. But without a clear use case or long-term stability, it remains a rollercoaster ride for investors who often jump in without truly understanding what they’re buying into.

然後是狗狗（Dogecoin） - 模因硬幣的OG。在開玩笑的時候，由於名人的代言和病毒性的炒作，它獲得了真正的牽引力。但是，如果沒有明確的用例或長期穩定性，對於經常在不真正了解自己購買的東西而跳入的投資者來說，它仍然是過山車。

It’s a tale as old as time—hype lures people in, and a lack of financial knowledge leaves them vulnerable to significant losses.

這是一個像時代一樣古老的故事 - 類型吸引了人們，缺乏財務知識使他們容易受到重大損失的影響。

Moving forward: 2025 financial focus

前進：2025財務重點

It’s a new year, and although the Monopoly board of life still doesn’t offer $200 for passing Go, financial education is still the best way to navigate the game.

這是新的一年，儘管壟斷生活委員會仍然沒有提供200美元，但金融教育仍然是駕駛遊戲的最佳方式。

Because while everyone else is trying to make a quick buck on the next viral crypto coin, those who take the time to understand how money works are the ones actually winning.

因為儘管其他所有人都在試圖快速賺錢，但那些花時間了解金錢工作方式的人實際上是贏得了勝利。

Financial literacy isn’t a luxury—it’s a necessity. And in a world full of hype-driven investments and too-good-to-be-true promises, it’s the best tool we have to protect ourselves.

金融素養不是奢侈品，這是必要的。在一個充滿炒作驅動的投資和過於良好的真實承諾的世界中，這是我們必須保護自己的最佳工具。

That’s why credit unions play such a crucial role in bridging this knowledge gap. By equipping people with the right education and tools, we can help prevent another round of get-rich-quick heartbreaks.

這就是為什麼信用合作社在彌合這一知識差距中發揮至關重要的作用的原因。通過為人們配備正確的教育和工具，我們可以幫助防止另一輪富裕的心碎。

Zogo is one way credit unions are doing just that. It’s a research-backed, interactive platform that simplifies personal finance and investing with expert-driven, jargon-free content. Unlike social media hot takes, Zogo delivers factual, reliable education—no speculation, just real financial literacy. Because the best investment anyone can make is in their own financial knowledge.

Zogo是信用合作社這樣做的一種方式。這是一個由研究支持的互動平台，可簡化個人理財，並使用專家驅動的無行話內容進行投資。與社交媒體Hot不同，Zogo提供了事實，可靠的教育，而沒有猜測，只是真正的金融知識。因為任何人都能進行的最好的投資是根據自己的財務知識。

Request a demo for your community today.

今天向您的社區索取演示。