These days, life is really tough for many middle-class families. People who once worried about which luxury car to buy are now concerned about mortgage defaults. This stark contrast reflects a harsh reality: the proportion of middle-class assets has been continuously shrinking, dropping from over 25% more than ten years ago to around 13.7% now, essentially halved. The seemingly glamorous "middle-class identity" is actually just a piece of paper. When the overall environment fluctuates, it immediately reverts to its true form.



Why should we pay attention to crypto assets? Simply put, the core pain point for the middle class is—having houses, cars, and savings on paper, but lacking any productive assets. Essentially, they are "high-level workers" within the capital system. When the economy tightens, layoffs and salary cuts follow one after another. What about their assets? Either real estate, which has terrible liquidity; or funds and stocks, which are tightly controlled by others. Want to quickly liquidate to hedge risks? No way.

To truly avoid falling back into poverty, two things must be done. First, break the single income structure. Use fragmented time to learn the basic logic of the crypto field—what is the core value of decentralization and blockchain. Don’t be misled by the phrase "all crypto is scams"; genuine crypto assets are supported by technology, not pyramid schemes. Second, diversify assets. The saying "don’t put all eggs in one basket" is correct, but don’t put eggs in too many baskets either. A reasonable approach is to allocate 20%-25% of total assets into crypto assets with growth potential, which can hedge risks without causing too much pressure. Only then can you truly protect yourself during market fluctuations.
View Original
This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.
  • Reward
  • 3
  • Repost
  • Share
Comment
0/400
GasGuzzlervip
· 3h ago
The middle class overnight returned to the pre-liberation era, still thinking about diversified allocation? First, you need to have something to allocate, haha. The house has dropped in value and you still have to keep paying the mortgage, now that's the ultimate. There are indeed many scammers in the crypto world, but avoiding it completely would mean starving to death. The key is to have a keen eye. The data showing assets halved is really heartbreaking, no wonder everyone in the group is now discussing crypto. Poor liquidity is a very accurate point; a house is truly a deadly trap. The term "high-level worker" gives me a cold shiver. What sounds good is diversification, but essentially it's still gambling on something that might go up. As a middle-class person, when the economy tightens, the true nature is exposed in minutes. 20% allocation to crypto sounds okay, but only if you understand it; don't follow the trend and buy in blindly. Now I realize how dangerous a single income is—feels like it's already too late.
View OriginalReply0
GasFeeAssassinvip
· 3h ago
The middle class has really become the upgraded version of the working class, this statement hit home for me. Houses have instead become tools for speculation, thinking of selling whenever you want? That's hilarious. We really should look at on-chain opportunities; at least decentralization can give us some control, rather than feeling like we're being managed. Allocating 20% to crypto is a good ratio, it gives some hope.
View OriginalReply0
LiquidatedAgainvip
· 3h ago
Are you trying to scam me into adding 20-25% into crypto again? Bro, I thought the same when I went all in last time. It's really tough when you can't sell your house, but in the crypto world, those with good liquidity are all lying at liquidation prices, daring to go all in. The real situation is: middle class without productive assets can't change their fate just by swapping to coins with no collateralization rate.
View OriginalReply0
Trade Crypto Anywhere Anytime
qrCode
Scan to download Gate App
Community
English
  • 简体中文
  • English
  • Tiếng Việt
  • 繁體中文
  • Español
  • Русский
  • Français (Afrique)
  • Português (Portugal)
  • Bahasa Indonesia
  • 日本語
  • بالعربية
  • Українська
  • Português (Brasil)