面对现实吧 - 2024年是一个奇怪的一年

尤其是一种趋势，一遍又一遍地成为头条新闻：与名人，病毒时刻和互联网炒作相关的模因硬币的上升（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.

让我们面对现实吧 - 2024年是一个奇怪的一年。在试图弄清Tiktok的算法是否正在控制我们的一举一动，处理永无止境的学生贷款戏剧，以及看着新的加密骗局像发条一样弹出时，感觉就像宇宙只是在向我们摇头。

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.

尤其是一种趋势，一遍又一遍地成为头条新闻：与名人，病毒时刻和互联网炒作相关的模因硬币的上升（和不可避免的跌倒）。从海莉·韦尔奇（Hailey Welch）的加密戏剧到特朗普和梅拉尼亚模因硬币的迅速崛起和下降，很明显，缺乏金融教育正在损害人们的损失 - 时间。

The problem: Hype-driven crypto and financial illiteracy

问题：炒作驱动的加密和财务文盲

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.

让我们放大一秒钟。这些模因硬币虽然娱乐观看，但却是更大模式的一部分。如今，年轻人（通常是在社交媒体和FOMO的推动下）潜入加密货币，几乎不了解所涉及的风险。一分钟，他们发表了有关最新的“挑选”的信息，而接下来，他们正在看他们的投资蒸发速度比趋向的Tiktok声音更快。

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.

以特朗普的模因硬币为例。它在推出后的48小时内飙升至一个惊人的140亿美元市值，仅第一天就赚了5000万美元的交易费用。但是，就像许多炒作驱动的投资一样，坠机事故也很快出现。硬币暴跌了50％以上，消除了数十亿美元的市场价值。

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.

梅拉尼亚模因硬币遭受了更苛刻的命运。在达到13.05美元的峰值之后，它损失了其价值的80％，而后来者却遭受了巨大的损失。

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.

然后是狗狗（Dogecoin） - 模因硬币的OG。在开玩笑的时候，由于名人的代言和病毒性的炒作，它获得了真正的牵引力。但是，如果没有明确的用例或长期稳定性，对于经常在不真正了解自己购买的东西而跳入的投资者来说，它仍然是过山车。

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

这是一个像时代一样古老的故事 - 类型吸引了人们，缺乏财务知识使他们容易受到重大损失的影响。

Moving forward: 2025 financial focus

前进：2025财务重点

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.

这是新的一年，尽管垄断生活委员会仍然没有提供200美元，但金融教育仍然是驾驶游戏的最佳方式。

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.

因为尽管其他所有人都在试图快速赚钱，但那些花时间了解金钱工作方式的人实际上是赢得了胜利。

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.

金融素养不是奢侈品，这是必要的。在一个充满炒作驱动的投资和过于良好的真实承诺的世界中，这是我们必须保护自己的最佳工具。

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.

这就是为什么信用合作社在弥合这一知识差距中发挥至关重要的作用的原因。通过为人们配备正确的教育和工具，我们可以帮助防止另一轮富裕的心碎。

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是信用合作社这样做的一种方式。这是一个由研究支持的互动平台，可简化个人理财，并使用专家驱动的无行话内容进行投资。与社交媒体Hot不同，Zogo提供了事实，可靠的教育，而没有猜测，只是真正的金融知识。因为任何人都能进行的最好的投资是根据自己的财务知识。

Request a demo for your community today.

今天向您的社区索取演示。