Musk said in an interview not to save money for retirement, but it was spread as saying that money is useless in the future and saving money is a fool. The original words are not so absolute, what he meant was: AI and robots will reduce the cost of goods and services to an extremely low level, greatly enriching material resources, and diluting the meaning of money. But even if something becomes extremely cheap, it doesn't mean it's free. The rich part is the automated part, while the scarce things are more valuable, such as energy, computing power, land, and services provided by real people. So he literally means not saving money, and I don't think ordinary people can completely follow it At least the following amount of money and ability should be prepared for oneself. The first layer of life-saving money. The living expenses for 6 to 12 months are not intended to increase in value, but rather to be saved as so-called 'fuck u money' for emergency situations or when facing economic crises or layoffs, so that one can stay stable. The speed of job changes caused by AI will only be faster, and the thicker this layer, the more confident it will be. I have always had a portion of stable income that does not move, and now I am receiving weekly interest payments in the USDG of @ wallet okx pay. Second layer wide base fixed investment. S&P 500 or VTI, with automatic monthly deductions, regardless of market position. The majority of AI dividends are in top companies, taking advantage of index dividends. Don't think about timing, automatic fixed investment is to fight against your own low hand, and cryptocurrency exchanges can also directly set up intelligent fixed investment. The bottleneck basket of third tier energy and computing power. The premise for Musk's establishment is sufficient electricity and computing power, and now it is precisely the bottleneck. The IEA says that data centers will double their power consumption by 2030, putting pressure on the US power grid. Bet along this chain: power grid equipment, uranium and nuclear power, chip manufacturing equipment, storage and heat dissipation. It's not Suoha either, just betting a small portion of the position on the deterministic event of AI needing electricity. The fourth level high-risk experimental warehouse. Coin, early-stage projects, and promising web3 projects, try to use the money you can afford. BTC has halved from its peak, and optimistic assets are suitable for picking up bargains at the bottom of the cycle. Now it is the appropriate time to pick up bargains, and the historical cycle pattern is unlikely to be broken, which can be followed. Speaking of work. My suggestion is to create a personal IP and self media as soon as possible. AI has smashed the threshold for creating content to the floor, as anyone can produce a bunch of things in a second. Information itself is not valuable, and what is valuable becomes you. Each person's unique perspective, the losses they have suffered, the beautiful events they have experienced, the ups and downs of life, these AI cannot replace. Personal taste and feelings cannot be copied by others. Make yourself a well-known account early on, and readers will recognize you. The later you go, the more valuable this one will be. The last thing I recommend is to become a porter. Moving other people's news data to a different location is much easier for AI than for you. You can stay up all night and AI can move it faster in just a few minutes. To improve one's output ability, anyone can handle it, so anyone can be replaced. Only those who can consistently output their own judgments cannot be replaced.