According to a report by Lianhe Zaobao, the average age of Hong Kong's millionaire population is 55 years old, and they typically accumulated their first million at the age of 34. Seeing this data, my first feeling is one of reassurance—even in a place like Hong Kong with relatively high salaries, the wealthy need to wait until 34 to own their first million in assets. Those who have worked hard to build their wealth are undoubtedly outstanding and worthy of admiration. If someone can surpass this achievement, it’s even more remarkable. Therefore, we really don’t need to feel anxious every time we see flashy wealth videos in the crypto space.

Let’s look at another set of thought-provoking data: the proportion of Hong Kong’s millionaire population in the local population is as high as 7%. Considering Hong Kong’s extremely limited land area, the high cost of living is understandable. However, what’s more worth paying attention to is the astonishing speed of capital appreciation. The report mentions that these wealthy individuals’ wealth accumulation is largely due to investments in stocks or funds. Based on my personal observations over the past five years, whether it’s the rapid rise of cryptocurrencies, the emergence of new energy sectors, or the booming development of artificial intelligence, investors who dare to take risks and have keen insights often achieve returns of 5 to 10 times. The rapid appreciation of capital and the bursting of bubbles undoubtedly widen the wealth gap in society.

This phenomenon, to some extent, intensifies overall human risk appetite. When investing becomes a shortcut to making money, not participating means risking being left behind by the times. This pressure forces people to join the wave of investment. However, from a psychological perspective, truly high-risk-tolerant individuals are only a minority. This means that as most people are forced to increase their risk tolerance, the overall risk faced by society is quietly rising.

As a result, people begin to look forward to and seek the next capital opportunity, hoping to catch the next wave of wealth. After all, who wouldn’t want to make another profit in the next five years?