一位 Reddit 用户的深夜帖子让人们重新思考自己的财务选择

发帖者在同一份工作上工作了十年，他分享了一个原始且让人产生共鸣的自白：“我希望过去 10 年我都投资于 BTC，而不是 401(k)。”

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

一位 Reddit 用户的深夜帖子让人们重新思考自己的财务选择。

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)."

发帖者在同一份工作上工作了十年，他分享了一个原始且让人产生共鸣的自白：“我希望过去 10 年我都投资于 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:

他们接着解释了自己的情况。虽然他们的工作报酬丰厚并且有福利，但这对身体造成了伤害。面对不确定的未来——可能会陷入短期残疾——他们有了一个清醒的认识：

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

“如果我以 1 美元的价格投资 1 美元到 BTC，而不是 401(k)，我今年就会退休。”

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%.

为了了解上下文，让我们分解一下数学。 2014 年 12 月，比特币交易价格略高于 320 美元。快进到今天，比特币的价值已经飙升，徘徊在 10 万美元左右。增幅超过 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) 平均每年以约 5-8% 的稳定速度增长，虽然稳定，但远不及过去十年比特币的爆炸性增长。更诱人的是，2014 年投资于比特币的 1,000 美元现在价值超过 312,000 美元。 10,000 美元的投资现在价值 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 帖子上的一位评论者完美地表达了这一点：“10 年后这篇文章，比特币价值 1000 万美元；每个人都会说，‘我希望在比特币低于 10 万美元的时候投入更多。历史重演。’”更保守的猜测是，“肯定会是 100 万左右，而不是 1000 万。”

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.

当然，事后看来是20/20。比特币的成功故事令人印象深刻，但过程并不顺利。它的价格剧烈波动，让许多投资者在崩盘时屏住呼吸。

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 帖子中的一位评论者提出了一个重要的提醒：“除非您有几千比特币，否则您可能会丢失硬盘、帐户被盗或丢失到 FTX 等投资网站。或者您可能在达到 2,000 美元的峰值或投资劣币。”

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.

尽管如此，这篇 Reddit 帖子还是触及了一种更广泛的情绪：传统的“安全”投资与承担可能改变生活的风险的诱惑之间的紧张关系。

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.

随着最初的帖子受到关注，它引起了很多人的共鸣。也许是因为这不仅仅是金钱的问题，而是我们在思考未来时所面临的梦想和遗憾。

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

虽然很容易陷入“应该”和“我希望”的心态，但重要的是你下一步做什么。

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.

如果这篇文章触动了你的神经，请考虑一下现在如何采取更明智的财务举措。分散您的投资，从小规模做起，并注重长期的一致性。最重要的是，只投资你能承受损失的部分——无论是股票、加密货币还是任何其他资产。

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，在做出重大财务决策之前，请咨询财务顾问。他们可以帮助您平衡您的目标、风险承受能力和当前资源，以制定适合您的计划。毕竟，最好的投资策略不是追寻过去，而是建立一个让您充满信心的未来。